A valid motor insurance policy is mandatory as per Indian laws and is as critical as wearing helmets and carrying the necessary vehicle documents. A valid, comprehensive two-wheeler policy is a must since it provides protection against natural and man-made calamities like fire, rock-slide, landslide, storm, hurricane, flood, earthquake, burglary, theft, riots or any damage caused to the vehicle in transit by road, air, inland waterway or rail, etc. The policy cover can also be opted for passengers/pillion riders. It also protects against legal liabilities arising due to third-party's injury/death or damage caused to its property.

Source - economictimes.com

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