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Bike Accidents in Hyderabad and Insurance Claim

Team AckoDec 15, 2022

Hyderabad, the capital of Telangana, is one of the largest cities in India. Buses were once the primary source of transportation in Hyderabad. However, with the increase in population and traffic, this has been replaced by two-wheelers like bikes. Two-wheelers are prone to accidents. Moreover, according to The Motor Vehicles Act of 1988, vehicle insurance is mandatory for driving on Indian roads. Getting insurance will protect you from expenses due to unexpected bike accidents in Hyderabad.

Bike Accidents in Hyderabad and Insurance Claim



Bike Accidents in Hyderabad

According to a study, overspeeding was the main cause of most bike accidents in Hyderabad. The average speed of bikers in 2016 was 19 km/hour. In 2021, this rose to around 25 km/hour.

With the rise in vehicular speeds, the possibility of accident occurrence and the severity of injuries has also increased.

Traffic police in Hyderabad are taking utmost care to decrease the number of accidents by creating awareness among people through programs on road safety.

In fact, T-20, a traffic awareness test app, was created in 2021 with the purpose of spreading awareness among youth regarding road safety and traffic rules.

Number of Road Accident Cases Reported in Hyderabad

The bike accident rate in Hyderabad has been on the decline, but the intensity of the accidents has been increasing, which has led to a surge in the death toll in Hyderabad.

The statistics for the number of accidents in the last few years are as follows:

  • Road accidents in Hyderabad in 2021-2060 

  • Road accidents in Hyderabad in 2020-2064

  • Road accidents in Hyderabad in 2019-2900

  • Road accidents in Hyderabad in 2018-2846 

It has been observed that overspeeding, carelessness and negligence while driving, drunk driving, wrong-side driving, and underage driving are some of the major reasons for fatal accidents in Hyderabad.

The number of fatalities that occurred in Hyderabad in the last few years is listed below:

  • Number of Fatalities in Hyderabad in 2021-297

  • Number of Fatalities in Hyderabad in 2020- 254

  • Number of Fatalities in Hyderabad in 2019-271

  • Number of Fatalities in Hyderabad in 2018-310

Safety and Bike Insurance as a Protection against Bike accidents in Hyderabad

While it is mandatory to have two-wheeler insurance in Hyderabad, it has its benefits as well. Firstly, it protects you and your bike financially in case of an accident. In addition, it protects you from third-party liabilities.

The two types of bike insurance policies available for bike accidents in Hyderabad are as follows:

  1. Third-Party Insurance: If you drive two-wheelers in Hyderabad, then you need to insure your vehicle with at least a 3rd party bike insurance policy. As per The Motor Vehicles Act of 1988 this is mandatory, as this insurance provides financial cover against injury, death, and vehicle damage sustained to your insured bike by a third party.

  2. Comprehensive Bike Insurance Policy: A better alternative to third-party insurance is a comprehensive bike insurance plan. It provides financial protection for you and your pillion rider and also insures your vehicle against theft, road accidents, natural and manmade calamities, and third-party liabilities.

Documents Required for Making a Bike Accident Claim in Hyderabad

When you file a bike accident claim in Hyderabad, you need to provide some necessary and legitimate documents as follows:

  • Bike insurance papers

  • A copy of the Certificate of Registration (RC)

  • A copy of the First Information Report (FIR)

  • Completely filled and signed form for submitting a claim

  • A copy of your driving licence

  • Description of the accident

  • Original tax receipts for verification

  • All the repair receipts and bills 

  • Details of other vehicles involved in accidents or third-party claims which can arise in the future

  • A cancelled cheque for payment processing

Please note that you can use the Claims Discharge cum Satisfaction Voucher (with a sign over the revenue stamp), if the claim amount is to be given directly to the repairer. 

How to Buy a Bike Insurance Policy in Hyderabad at ACKO?  

Getting bike insurance from ACKO is a very simple and convenient process. ACKO is digital-first, so you can buy bike insurance onlinedirectly through the website or app.

Here are some of the key features of ACKO's insurance policies:

  1. Low-Cost Insurance Plans: As ACKO provides insurance digitally, many of the operating costs are reduced, and middlemen commissions are eliminated. This makes it possible for you to access premiums at a lower cost. 

  2. No Paperwork: You need not fill out any lengthy forms while buying bike insurance online. The same is the case when you renew your bike insurance. You just need to share your bike-related information and submit a previous bike insurance copy for renewal.

  3. Fast Claim Settlement: With everything being available digitally, your bike insurance claim is settled instantly. You can receive the claim in just two hours. 

Steps for buying bike Insurance at ACKO

1. Navigate to the following page on the ACKO website or download the ACKO app.

2. Enter basic details like the bike registration number and pay the premium for the insurance. You will receive your policy document through email.

Things to Remember

Here’s a recap of all the important things you need to remember about bike accidents in Hyderabad and how ACKO can help:

  • Buses have been replaced by bikes in Hyderabad due to an increase in traffic. Around 72% of the total traffic in Hyderabad now involves two-wheelers.

  • The occurrence of accidents in Hyderabad has been decreasing, but the intensity of these accidents is on the rise.

  • Overspeeding, carelessness while driving, drunk driving etc., are a few of the major reasons for fatal accidents occurring in Hyderabad.

  • To protect yourself while riding a bike in Hyderabad, it is best to go for a secure bike insurance plan. ACKO provides third-party as well as comprehensive bike insurance.

  • In case you get into a bike accident, immediately report it to the police and contact your insurance company. This will help speed up the insurance claim process.

Frequently asked questions

Here are the answers to some of the common questions about two-wheeler accidents in Hyderabad.


How long after the accident can we claim bike insurance?

Most insurance companies expect that you inform them about your bike accident within 24 hours of its occurrence. In order to avoid claim rejection, a claim for bike insurance must be made on time.

Is it possible to claim insurance without FIR? 

No insurance company will consider your claim without FIR, and it is not possible to generate an FIR without reporting the incident to the police. So whenever an accident occurs, the first thing you need to do is inform the police about the same and get an FIR copy.

Is a bike accident a criminal offence in Hyderabad?

It is a driver's criminal and civil responsibility to report a road accident to the nearby police station. The Motor Vehicle Act 1988 has legislation which mentions severe punishment for an individual involved in a hit-and-run accident.

What if my insurance policy expires?

In India, it’s mandatory to drive a vehicle with an active insurance policy. So ensure that you renew your bike insurance before it expires. If you haven’t renewed your insurance policy on time, your bike will again have to go through an inspection, which would be chargeable.

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