Introduction
Motorbike 3rd party insurance only covers third parties, not your own motorcycle. Many riders mistakenly assume all damage will be covered. Understanding these limitations is crucial so you’re not surprised when a claim is denied after an accident.
1. Coverage Not Provided
Under 3rd party insurance, the policy does not cover:
- Damage to your own motorcycle caused by an accident
- Theft or loss of your motorcycle
- Damage due to fire, flood, or natural disasters
- Repair costs for self-installed accessories
2. Coverage Provided
Coverage is limited to third-party damage or injury:
- Damage to third-party property caused by an accident
- Injury or death of third parties due to an accident
- Legal liability arising from an accident
3. Tips for Choosing Motorbike 3rd Party Insurance
- Suitable for older motorcycles or low-value bikes
- Consider optional coverage (BJAK add-ons) for specific protection
- Assess area risk: if accident/theft rates are high, consider 1st party coverage
- Compare policies from different insurers using licensed platforms
Conclusion to Motorbike 3rd Party Insurance
3rd party insurance only protects third parties and does not cover your own motorcycle. Know what you cannot claim and explore add-ons or alternative coverage if your bike has a high value. With this knowledge, riders can make informed decisions and avoid financial loss.
Read More:
