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Light up your Diwali by safeguarding your bike with two-wheeler insurance

Published on November 15, 2020. EST READ TIME: 3 MIN

The most awaited festival of the year - Diwali is here. Celebrated with great fervor across the country, the ‘Festival of Lights’ is characterized by alleys and buildings lit by colourful diyas (earthen lamps) and echoes of laughter as people line up the streets to wish each other health and happiness. However, Diwali in 2020 is a lot different from the previous ones. We are still battling with the COVID-19 pandemic so this Deepavali, it is imperative that we safely celebrate. This includes ensuring the safety of our parked two-wheelers. The best way to do so is by renewing your two-wheeler insurance or upgrading to a comprehensive two-wheeler insurance plan. Let us learn more about how to keep yourself and your two-wheeler safe this festive season.

1. Prevention is better than cure

The Indian Motor Vehicles Act, 1988, makes it compulsory for bike owners to have a valid third-party insurance policy and non-compliance with this rule can lead to heavy penalties. But since third-party insurance would not cover the cost of damages suffered by your bike, you should opt for a comprehensive plan because it offers a bigger coverage.

You can enjoy the festive season only if you have your peace of mind. If you are constantly worrying about the safety of your bike, you won’t be able to make the most of the festivities. While you should take some safety precautions, if anything goes wrong, the comprehensive two-wheeler insurance is there to protect you against financial losses.

2. Mistakes you must avoid during Diwali

Diwali celebration is a lot more than lighting diyas. It is about meeting friends and family members, exchanging gifts, decorating your homes with beautiful rangolis and electric lights. Because of the coronavirus pandemic, we have to be extra careful to protect ourselves and our loved ones. So, let’s try and avoid these mistakes this time.

  • Indulging yourself in aimless shopping. Save more as the economy isn't exactly booming.

  • Not watching your diet and consuming too many sweet items

  • No maintaining physical distancing while exchanging gifts

  • Not wearing masks

  • Bursting crackers

  • Not parking your vehicles in a safe place like a parking lot

3. What are the tips for an Eco-friendly Diwali?

Celebrating an eco-friendly Diwali is no longer a matter of choice, it has become our responsibility. Especially for people living in Delhi and neighbouring states, when pollution levels reaches an alarming high, celebrating a noiseless and pollution-free Diwali is the best way to go.

  • Start by decorating your house using diyas and not Chinese lights. By doing so you will be saving on your electricity bill and would also be helping a roadside potter have a better Diwali. Go vocal for local.

  • Try and avoid burning firecrackers. Instead, you can play fun games with friends and relatives. Due to COVID-19, a lot of people have developed respiratory problems and the ongoing stubble burning in North India has already brought the air pollution levels above the danger mark.

  • Decorate your house with rangoli and use natural ingredients to do it like using rice powder for white, turmeric for yellow, etc. You can use flower petals as well. You can also show your creative side by using waste materials to create wall hangings or other artworks.

This year, consuming homemade sweets would be a safer option. Also, they are a healthier option.

Use less plastic. Wrap gifts with paper.

Take some volunteer work. Help someone in need. That’s the true Diwali spirit.

4. How to protect two-wheelers during the festive season?

Our two-wheelers are exposed to greater risks during the festive season. It’s not just fire, there can be many other damages too. In addition to that, the chances of theft rise as people leave their homes to visit friends and family. Here are some tips to keep your two-wheelers safe during Diwali.

As mentioned earlier, get comprehensive two-wheeler insurance online You get the best deals with extensive coverage and low premiums to financially safeguard your two-wheeler.

To reiterate, park your vehicle in a covered parking lot, preferably in the basement, far from where Diwali celebrations are in full swing. Pay for a commercial parking plot for a week if you don’t find the desired parking space in your building.

Buy bike covers that are fireproof. If you don’t have one, don’t cover it as the covers can catch fire.

Don’t ride through a road where people are bursting crackers. Best to avoid such risk. In fact, consider hailing a cab or using public transport around Diwali.

Don’t forget to carry a first aid kit with you while driving.

Keep a fire extinguisher handy if your bike is parked near your house.

Keep your policy documents ready in case you have to make a claim.


To enjoy the festive season, it’s better to prepare in advance, be it decorating your home or securing your bike with insurance. Wishing you a safe, healthy, and happy Diwali!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

This blog has been written by

Mukesh Kumar | Motor Insurance Expert | 36+ years of experience in insurance industry

A veteran in the insurance industry, Mukesh Kumar has the expertise of handling various functions like Business Development, Underwriting, Claims, Human Resources, Quality Management and Marketing. With rich knowledge of the industry, he loves to share his views on topics of insurance sector and takes special interest in educating people on advantages of having insurance.

Mr. Mukesh Kumar recommends "getting your two wheeler insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 6,800+ network garages, you can be assured of help in event of any damage to your vehicle.

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