The Dark Side of Stunt Biking and Insurance Coverage

Does Bike Insurance Cover Stunt Biking Damages?

The answer is no. Most insurers exclude damages and injuries arising from stunt biking/ illegal driving. These exclusions are mentioned in the bike insurance coverage policy document, and you must go through the fine print for a detailed understanding. In case you do not understand any clause or term, you may ask your insurer for an explanation.

The Thrill of Stunt Biking

For some, stunt biking is the ultimate show of skill and courage. Despite the regularly reported incidents where people get badly hurt, some even lose their lives, many continue to engage in this deadly display. They don't risk just their life, but also the safety of pedestrians, cyclists, and others on the road.

The growing influence of social media makes matters worse. Many youngsters participate in risky stunts and post them online for likes and shares. Unfortunately, this fuels copycat behaviour, with riders attempting dangerous tricks without proper training or safety measures. Whether it is about metro cities or small towns, stunt biking accidents have become common. Experts often believe that it has to be a combined effort of parents and the administration to put control over such risky events.

Dangerous Consequences of Stunt Biking

Stunt biking is all thrill and excitement from above, but it can leave irreversible damage if a single move goes wrong. Some of the dangerous consequences of illegal stunt biking are:

1. Physical injuries are a common consequence when stunt biking goes wrong. It may lead to permanent disabilities or loss of limbs, hands, or legs
2. The medical expense can take a toll on the finances of the family, which may take years to overcome
3. If your stunt biking causes damage or injuries to a third party, it can lead to legal complications that may go on for years
4. The emotional stress on the family and dependents can be quite heavy
5. The mental health of the victim can also be affected to a great extent, especially in cases of permanent disabilities or loss of body parts
6. Extreme cases of stunt biking accidents may lead to the death of the rider and even others on the road.

The Responsible Side of Driving

Thrill should never come at the cost of life. For the sake of safety, it is essential to drive mindfully and responsibly. Some of the tips for bike riders are:

Say No To Illegal Stunt Biking

The traffic department and insurance documents clearly define what constitutes illegal stunt biking. Practising illegal stunts with your bike can lead to legal complications. In case of a mishap, your insurer will also not cover the damages.

Ride With Essential Gears On

When riding a two-wheeler, you must wear all the essential gear. It keeps you safe to a great extent even during mishaps. Helmet, elbow and knee guards are some of these gears.

Follow Traffic Rules

There are certain traffic rules that every rider must follow for everyone's safety on the road. It also involves refraining from illegal stunt driving. Such activities not only question the safety of drivers but also pedestrians and other vehicles on the road.

In some cases, the bike may also be charged with penalties, and legal actions may also be taken.

Go for Regular Bike Servicing

It is important to take your bike for regular servicing. Maintenance is crucial for motor vehicles so they function properly. For instance, worn-out tyres may not even sustain the monsoon.

Buy A Bike Insurance Policy

Under the Motor Vehicle Act of 1988, it is mandatory for motor vehicles to have a minimum of third-party insurance. However, if you are a regular rider, it is best to purchase a comprehensive policy that provides protection to your own vehicle as well.

Over To You

The rewards of stunt biking often outweigh the risks associated. Most of these stunts pose a significant risk to the rider's life and the lives of others on the road. So, it is best to avoid stunts with bikes, especially on public roads. When it comes to bike insurance, the insurer also doesn't support such risky activities. Hence, damages or injuries due to stunt biking are mostly not a part of bike insurance coverage.

If you are planning to purchase a bike insurance policy, Jio Insurance Broking can be your ideal partner. At our platform, you can easily compare different plans to choose the right one for your bike.