Car Insurance Rules for Bangalore Residents

For Bangalore vehicle owners, third-party coverage is compulsory under the Motor Vehicles Act to compensate for damage or injury caused to others. Own-damage policies under comprehensive insurance are optional, but highly recommended for wider coverage.  Hence, knowing about the car insurance laws in Bangalore will help you stay out of trouble and better prepare for the unexpected risk on the road. Read on to learn about the car insurance rules Bangalore residents should follow.

Every car owner in Bangalore requires having a valid third-party car insurance policy. This is a legal requirement under the Motor Vehicles Act of 1988. Third-party insurance is designed to cover bodily injuries, death, or property damage caused to another person in an accident.
However, this coverage does not extend to damage to your own vehicle or injuries sustained by you being the owner-driver.
Some rules that apply to third-party car insurance policies in Bangalore are:

Buying comprehensive car insurance in Bangalore is always a smarter choice. The risk of accidents, theft, and damage is considerably higher considering its high traffic density, unpredictable monsoons, ongoing construction, and limited parking spaces. A comprehensive policy offers extensive protection beyond just legal compliance.

What It Covers:

Key Advantages:

1. Financial Protection: Avoids major out-of-pocket expenses for repairs or total loss.

2. Add-on Options: Enhance your policy with:

3. Peace of Mind: Reduces stress by offering broader and more reliable coverage for city-specific risks.

Driving in Bangalore without a valid policy of car insurance is a punishable offence. You may face the following if caught:

The enforcement of these rules has become further stringent with increased digitalisation of the systems of traffic enforcement across Bangalore.

Personal Accident (PA) cover for owner-driver is usually attached to comprehensive policies as per IRDAI regulations. It is strongly suggested for everyon, even though this cover is not compulsory for the vehicle.

Key Benefits:

If you are moving to Bangalore from another state or city, you should:

Keep your Registration Certificate (RC) updated with the latest address also or else you may encounter issues with the policy during claim or renewal.

Overall, car insurance rules in Bangalore are not difficult to navigate. The comprehensive policy puts you on terrain fairly well against unpredictable weather, traffic, and road conditions of Bangalore, as against the third-party policy, which is, however, mandatory.

In contrast, for a citizen who lives in a bustling city like Bangalore, the larger insurance coverage is not merely a suggestion but a smart economic decision, as the possibilities of an accident, minor damages, or an unforeseen breakdown are much higher in the city.