Comprehensive Guide to Motorcycling: Navigating Traffic Rules & Documentation in India

The government report on road accidents in India revealed that in 2022, the total number of road accidents reported was 4,61,312. Out of these, two-wheeler accidents accounted for the highest share in fatalities and injuries. The most common reason for these road accidents is human error. 

Rapid urbanisation and unprecedented growth in motorisation has resulted in increased exposure to adverse traffic environments in India. To ensure peace of mind and to protect yourself from financial damages, you must buy the right bike insurance tailored for your unique needs. 

A significant percentage of accidents can be avoided if you follow traffic rules. In this blog, we highlight documents and traffic rules related to bike riding and help you choose the right insurance policy.

New Traffic Rules: Fines Updated

The Indian Motor Vehicles Act amendment in September 2019 has imposed stringent traffic rules with a steep increase in penalties. 

Here is a list of common traffic violations and penalties:

Why is Bike Insurance Critical for Riding Safely?

Your bike insurance complements traffic rules by providing you with a safety net. Following road safety rules is crucial for any responsible bike owner.

However, even the most cautious rider may face unforeseen situations or be involved in accidents caused by others who violate the traffic rules. Regardless of who broke the rules, as a bike owner, you have to deal with third-party liabilities and your own bike repair if there is an accident. Bike insurance can help you offset these costs. 

Third-Party coverage–  This mandatory bike insurance protects you from financial ruin if you injure someone or damage some property while on the road. Based on policy limits, your insurer will provide compensation, even if you are at fault. 

Own Damage Coverage– Adding on to third-party coverage with comprehensive insurance that provides own damage coverage will cover bike damage or repair when you cause an accident violating traffic rules. However, remember, most policies won’t offer compensation for riding under the influence of alcohol. 

Personal accident cover – As a part of comprehensive coverage, personal accident cover also covers your medical expenses in case of accidents. Some insurers extend coverage for pillion riders or family members based on policy members. Also, your claim can be rejected if you were not wearing a helmet during the accident. 

Passenger add-on cover – If you frequently ride with your loved ones on your bike, a passenger add-on cover will provide coverage for accidental death or permanent or partial disability of the pillion rider. 

Essential Documents to Carry While Driving Bike

You must submit the necessary documents whenever authorities stop you on the road. If you fail to produce the documents, you will be fined Rs. 500 for the first time and Rs. 1,500 subsequently. So, always carry these documents with you when you ride your bike:

• Registration certificate –  Commonly called RC, this is the most important bike document you must always carry. It certifies that your bike is registered with the Regional Transport Office (RTO). It contains all crucial details about the bike, such as registration number, owner details, and make and model of the bike. 
• Driving licence – Your licence is the permission document that the RTO provides, allowing you to ride your bike. The DL will contain details of a two-wheeler that you can ride. For example, if you have a driving licence for a motorcycle without gear, you can’t use it when you ride a bike with gear. 
• Bike insurance policy – It is mandatory for every bike rider to carry at least third-party bike insurance. If you care for your financial security, get comprehensive bike insurance that covers third parties and bike owners. Regardless of your policy type, always carry your insurance policy document with you. 
• Pollution under control certificate (PUCC) – PUCC, also known as emission certificate, includes information about the level of pollution caused by your bike. It shows the authorities that your bike’s emission levels are within the norms. 
• Fitness certificate – A new bike is always fit to ride. However, if your bike is older than 15 years, get a fitness certificate from the RTO. Also, you must renew it every two years. 
• Medical certificate – This certificate is less known among bike riders. You are not allowed to ride a bike if you are physically or mentally deemed unfit. Bike riders aged 50 and above may be stopped by the police and asked for a medical certificate showing that they are certified by a doctor to be fit to ride a bike. 

Key Takeaways

Indian roads almost resemble a maze with interconnected roads. In the past 20 years, road traffic injuries have been increasing alarmingly. To ensure your and your pillion rider’s safety, learn the documents and traffic rules related to bike riding. Adhere to the rules and always carry the documents for a safe ride and leverage platforms like the PhonePe app for convenience and speed.