I thought this was a pretty innovative scheme:
Top Railway officials said some touts have floated an “insurance scheme” which guarantees the commuter ticketless travel for a monthly premium of about Rs. 100, guarding the commuter against any inspection by the Railway authorities or the police. If the ticketless traveller is nabbed, sponsors of the racket pay the charges. The subscriber goes scot free without bearing any additional burden
Who says we Indians don’t ‘get’ the concept of insurance?
This is among daily train commuters – those taking the train to and from work everyday. Suppose the daily ticket cost is Rs. 30/40 or a monthly pass of around Rs. 1000; passengers in this scheme are reportedly paying Rs. 100 as insurance – a willingness to pay experiment is in order…