A new bike brings freedom on the winding roads of Jammu and Kashmir, yet the law expects responsibility at every turn. Just as third party bike insurance is mandatory across India, riders in the Union Territory must have a valid third-party insurance policy before touching the throttle. Skipping it invites legal trouble and financial exposure that can derail even a short commute.

This article sets out the key rules that apply in J&K and pinpoints frequent errors that lead to penalties. It stays focused on third-party requirements for riders and keeps the guidance simple and practical.

Why Third-Party Cover is Compulsory in J&K

Third-party insurance is mandatory for all motor vehicles operating on public roads in India. In J&K, the same central rules apply. The cover protects against

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