Thinking of getting a two-wheeler insurance, but unsure about the GST amount? Knowing how GST applies to bike insurance can help you avoid surprises at checkout and plan your expenses more effectively.

In this article, we break down everything you need to know about GST on two-wheeler insurance. From applicable rates and their impact on premiums to how they differ for electric and used bikes.

What is GST?

GST or Goods and Services Tax is an indirect tax levied on the supply of goods and services in India. Introduced to replace multiple state and central taxes, GST aimed to simplify and unify the country’s taxation system. GST for two-wheeler insurance is charged over and above the base premium, making it an important cost component to consider when buying or renewing your policy.

GST on bike insurance in India

In India, a bike insurance GST percentage is 18%, additionally added to insurance premiums. For example, if your insurance premium is ₹1,000, then you will have to pay ₹1,180 (1000+18% GST) in total. Moreover, GST applies to both third-party and comprehensive plans.

Effect of GST on the bike insurance market

There is no denying that the bike insurance GST rate (18%) increased overall bike insurance premiums. This has made policies slightly expensive for customers. However, it has brought standardisation across the industry. Insurance companies had to adjust pricing structures, but the transparency in taxes helped streamline the billing and claim settlement processes.

GST rate on electric bikes

The GST rate of electric bikes is 5%. This is what makes them more affordable than traditional two-wheelers in terms of tax. This reduced rate also promoted eco-friendly transportation choices and supported India’s push towards a greener and more sustainable future.

GST on used/old bikes

If any individual sells a bike to another individual solely, there is no GST applicable because the transaction falls outside the scope of GST. However, if a registered dealer or business sells a used bike, GST is charged under the margin scheme.

In this case, the 18% GST is calculated only on the profit margin (the difference between the selling price and the purchase price or depreciated value).

GST impact on the two-wheeler industry

The introduction of 18% GST made the two-wheeler industry face a lot of ups and downs as it significantly increased the overall cost of ownership. While it streamlined the tax structure, it also reduced affordability for entry-level buyers.

To stay competitive and increase sales, the manufacturers had to launch more enhanced features and restructure their pricing structures. Moreover, lower GST on electric bikes (5%) boosted the demand for electronic vehicles.

Impact of GST on bike insurance premium

Earlier, the tax levied on bike insurance was 15% (14% service tax + 0.5% Krishi Kalyan Cess + 0.5% Swachh Bharat Cess). However, with the introduction of the GST, the taxation structure for insurance premiums has been streamlined under a single tax rate of 18%. This rate is the same for all types of two-wheeler insurance policies, whether third-party or comprehensive bike insurance plans.

For example, if your base premium is ₹2,000, the GST amount would be ₹360 (18% of ₹ 2000), making the total payable ₹2,360. This may seem small in isolation, but for individuals having insurance for multiple vehicles or opting for long-term comprehensive coverage, it becomes a huge amount.

Can you add your GST number to your bike insurance?

Yes, you can add up your GST if your two-wheeler is used for commercial purposes. However, when it comes to GST for two-wheeler insurance, claiming Input Tax Credit (ITC) is subject to specific conditions. According to the GST law section 17(5) of the CGST Act 2017, the ITC claim is only applicable if you use the vehicle for any of the following business purposes:

• Passenger transportation services
• For driving schools
• For delivery purposes of automobile retail shops, showrooms or manufacturing establishments

However, you may not be able to claim it if buying for personal use.

Conclusion

Understanding GST on bike insurance can help you make informed financial decisions. As now, an 18% GST rate is applied to premiums, the final premium cost can be significantly higher than expected. You can benefit by adding GSTIN if you are buying it for the allowed business purposes. It is always good to review the policy details, implications and tax to ensure you are not overpaying. A clear grasp of these charges can help you budget better and avoid surprises at renewal time.

FAQs

• Does GST apply to electric two-wheelers?

Yes, 5% GST is applied to electric two-wheelers.

• Has GST increased bike insurance premiums?

Yes. Earlier, the GST replaced the earlier service tax of 15% with 18%. It has increased the overall premium.

• Can I claim GST input on my bike insurance?

Yes, but only if the bike is registered under a business and used for commercial purposes.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Are you looking for a 125cc scooter that is easy to ride, fuel-efficient and comes packed with everyday practicality? Then chances are high that you are torn between the Suzuki Access 125 and the Honda Activa 125. Both offer strong performance, useful features and long-term reliability, but each comes with its own set of advantages. If you’re trying to decide which one suits your needs better, read on. This blog breaks it all down for you.

Feature comparison

When it comes to features, every detail counts for daily riders. Let us see how the Suzuki Access 125 and Honda Activa 125 compare in that aspect:

Suzuki Access 125 - Pros & cons

The Suzuki Access 125 is a popular pick for riders who want something reliable, efficient and easy to handle. It checks many of the right boxes, but there are also a few trade-offs to keep in mind before deciding. Let us take a closer look at the pros and cons:

• Pros:

The Suzuki Access 125 offers 21.8 litres of under-seat storage, which is among the largest in the segment. It returns a mileage of around 55–58 km/l and is easy to handle with a kerb weight of 104 kg. A USB charger is available in select variants, and higher trims include practical additions like the Eco Assist indicator and side-stand engine cut-off.

• Cons:

The Access 125 doesn’t have an external fuel filler cap, so the seat needs to be lifted for refuelling. Bluetooth connectivity and real-time mileage display are limited to the top variant. The suspension feels stiff on rough roads, and there is no boot light. This makes under-seat access difficult in the dark.

Honda Activa 125 - Pros & cons

Honda Activa 125 has become a dependable choice for everyday riders. It comes with useful features and delivers a smooth riding experience. Still, there are a few aspects that may not work for everyone. Here are both the positives and negatives:

• Pros:

The Activa 125 starts quietly with its ACG starter, even in colder weather. Higher variants come with Bluetooth, SMS alerts and navigation support. Its idle stop-start system helps save fuel in traffic. The seat is wide and comfortable, and that makes it suitable for daily use or family rides.

• Cons:

The Activa 125 delivers 8.19 PS, which feels adequate but not very strong for a 125cc scooter. It offers 18 litres of under-seat storage, which might be limiting for bulkier items. The ride can also feel bouncy with a pillion on uneven roads. It doesn’t include a USB charger or boot light, even in the top variant.

Why should you buy two wheeler insurance for your scooter?

In India, two-wheeler insurance is legally required as per the Motor Vehicles Act. Riding without one can result in a fine of ₹2000 or more, or even jail if you repeat the offence.

Beyond that, a good policy will save you from third-party liabilities if you get involved in an accident. A comprehensive plan can take care of repair costs if your scooter gets damaged. You can also claim the current market value (IDV) in case of theft.

Conclusion

Suzuki Access 125 is a good choice for those who want more mileage and storage without spending too much. On the other hand, the Honda Activa 125 is a good pick if you are after useful features and a smoother ride. Both are strong options in their own way. Just remember to get comprehensive bike insurance. It is the simplest way to stay protected, no matter which one you go with.

FAQs

• What are the best features of Honda Activa 125?

The Honda Activa 125 offers Bluetooth connectivity, silent start, external fuel filling and an idle stop-start system.

• Which is better for mileage and storage—Access 125 vs Activa 125?

The Access 125 offers better mileage and more under-seat storage than the Activa 125.

• What should I consider when choosing between Suzuki Access 125 vs Honda Activa 125?

Go for the Access if you want efficiency and space; pick the Activa if you prefer features and brand trust.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Buying a bike is a practical solution for everyday commuting. However, it also comes with the risk of theft, a common concern in many Indian cities. One moment your bike is parked safely, and the next, it could be gone. In such situations, having bike insurance can offer much-needed peace of mind. Let’s take a closer look at how the bike theft insurance claim process works and what steps you need to take if your bike is stolen.

What should you do immediately after your bike is stolen?

If your bike gets stolen, act quickly to ensure your insurance claim is accepted. First, file an FIR at the nearest police station with complete details such as the bike’s registration number, make, model, colour, accessories and the time and location of the theft.

Inform your insurer within 24-48 hours through their helpline, website or app. Notify the RTO so they can update their records and mark the vehicle as stolen.

Collect all necessary documents, including the FIR copy, insurance policy, registration certificate (RC), driving licence, valid ID proof and the non-traceable report from the police. Delays in completing these steps can lead to claim rejection or processing delays.

How to file a bike theft insurance claim?

This part mainly involves submitting documents and communicating with your insurer for updates. Let’s understand what you need to do:

1. Report the theft to your insurer: Call the customer support number, use the mobile app or log in to the insurer’s website.
2. Submit the required documents: Provide a copy of the FIR, your insurance policy and self-attested copies of your Registration Certificate (RC). You should also submit your driving licence and RTO forms, such as Form 28, 29, 30 and 35 if your bike was financed.
3. Submit the original keys if asked: Some insurers or police departments may ask for both keys for verification, so keep them handy.
4. Note your claim reference number: Your insurer will give you a claim number once you submit your claim.
5. Apply for a non-traceable report: Request a non-traceable certificate from the police station after 30 days or as instructed by your local police.
6. Coordinate with the insurance investigator: Your insurer may assign someone to verify the details of your case. They may contact the police station or check the documents you submitted.

Claim approval and settlement process

The insurer will review your claim once you submit all required documents. They will check your file and calculate the settlement based on the Insured Declared Value (IDV) mentioned in your policy.

The approved amount will be transferred to your bank account if everything is in order. The insurer may coordinate with the lender to settle dues if the bike was under a loan. If you had no depreciation coverage, your payout could be higher since depreciation would not be deducted. The entire process usually takes between 45-90 days, and it depends on how quickly the police issue the report and how complete your documents are.

How to avoid claim rejection?

To avoid claim rejection, ensure your bike insurance policy is active and renewed on time. Opt for comprehensive coverage rather than just third-party insurance. Report the theft immediately to both the police and your insurer, and submit accurate, complete documents without any discrepancies.

How to make your policy stronger and save money?

Enhancing your bike theft insurance doesn't always require spending more. Smart add-ons and precautions can offer better protection while potentially lowering your premium. Useful options include zero depreciation cover for full claim settlement without value deductions, and return-to-invoice cover, which reimburses the bike’s original invoice value, ideal for bikes under three years old.

A personal accident cover offers compensation for injury, disability or death during theft-related incidents, while an NCB protector preserves your No Claim Bonus even after filing a claim. Additionally, installing ARAI-approved anti-theft devices can reduce both the theft risk and insurance premiums.

Conclusion

Comprehensive bike insurance can help you recover the value of your bike if it is stolen. Just follow the claim steps, get the FIR and non-traceable report on time and keep all required documents ready for a smoother settlement. Also, check how the claim amount will be adjusted with your lender if your bike is under a loan.

FAQs

• What is a bike theft insurance claim?

It is a formal request to your insurer for compensation if your insured bike is stolen.

• How does the bike theft insurance claim process work?

You file an FIR, inform your insurer, submit documents and wait for claim approval after the non-traceable report is issued.

• What is included in the motorcycle theft insurance claim process?

It includes FIR filing, document submission, investigation and final settlement based on the insured value of your bike.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

The Anti-lock Braking System (ABS) warning light is a key safety indicator on your car’s dashboard. When it turns on, it means your ABS, which prevents your wheels from locking during sudden or hard braking, may not be functioning properly. While your regular brakes will still work, the loss of ABS can increase the risk of skidding, especially on slippery or uneven roads.

Let’s learn everything about the ABS sign on cars, why it turns on and what to do next.

What are anti brake system light in car?

The anti lock brake system light helps prevent your car wheels from locking up when you brake hard and suddenly. If your wheels lock, you could lose control of your vehicle. When you hit the brakes suddenly, the system automatically applies and releases brake pressure many times per second, helping you steer around obstacles without skidding.

What does the anti brake system light look like?

The anti lock brake system warning light appears as the letters "ABS" or displays a circle with the letters inside, often with brackets around it. Some cars show it in yellow or amber colour, while others display it in red. You'll find this light on your instrument cluster, usually near the speedometer or fuel gauge.

Why is my anti brake system light on?

The most common causes that trigger the anti lock light on cars include faulty wheel speed sensors, which fail or get dirty and disrupt speed data to the ABS controller. Damaged or corroded sensor wiring can also break communication. Low brake fluid levels reduce system pressure and trigger the light. Worn brake pads or rotors affect braking response, causing sudden ABS activation.

Electrical issues like blown fuses or a malfunctioning ABS module can also illuminate the light. Lastly, faults in the hydraulic pump or valve, which regulate brake pressure, may cause the warning to appear.

Meanwhile, if the anti lock brake system warning light persistently stays on, it probably means your car's braking safety is not at its best.

What should you do when the anti brake system light comes on?

Now that you know why the ABS light on car lights up, first try turning off and restarting the engine, as minor glitches can reset the system. Next, check the brake fluid level under the bonnet and top it up with the recommended DOT 3 or DOT 4 fluid; persistent drops indicate a leak that needs urgent repair.

Inspect visible sensor wires near the wheels for damage or disconnection if you’re able. Finally, visit a workshop where a professional can use a scan tool to diagnose the issue and recommend regular ABS maintenance to avoid future problems.

How to reset an anti brake system light?

You can try resetting the ABS light yourself, but this will only work if the underlying problem is already fixed. Here are a few steps you can try:

• Option 1: Rest the battery manually

Turn off the engine, remove the key and disconnect the negative battery terminal. Wait for 10-15 minutes to allow the car’s system memory to clear. Then reconnect the battery, restart the vehicle and check if the ABS light has turned off.

• Option 2: Use an OBD-II or ABS scanner

Connect the scanner to your car’s OBD-II port, switch on the ignition (without starting the engine) and use the tool to read and clear error codes. If the issue is resolved, the ABS light will turn off. Works best with ABS-specific scanners (not all basic OBD-II readers access ABS codes).

• Option 3: Pump the brake pedal

In some cars, you can reset the system by pressing the brake pedal three to four times with the engine off (ignition on). When you do this, you are manually doing what the ABS does automatically. This mainly works in a few car models (consult your owner's manual or mechanic).

Conclusion

Ignoring the anti brake system light can lead to more expensive repairs over time. It can put you and others at risk, especially when driving through congested traffic or during monsoon.

While addressing the issue promptly is crucial, it’s equally important to ensure you're financially protected in case of an accident caused by brake failure.

This is where having the right car insurance policy becomes essential. A comprehensive plan covers repair costs resulting from accidents or damages, keeping you financially secure during emergencies. 

FAQs

• What happens if I ignore the ABS light?

Your vehicle may not handle emergency braking well, and you will be more likely to skid or lose control during sharp turns or sudden stops.

• Can I drive with the ABS light on?

Yes, but it's not recommended. While your regular brakes will still work, the anti-lock feature won’t. This can be dangerous in emergencies or on wet and slippery roads.

• Will an ignored ABS light on the car affect my car insurance claim?

If an accident happens due to brake failure, and your ABS warning light was active at the time, some insurers may decline your claim if they discover you ignored it during their investigation.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Dark oil puddles under your bike often indicate an oil leak in bike engine that needs immediate attention. Engine oil is crucial for smooth performance, reducing wear and preventing major damage. While some leakage is common over time, it can signal bigger issues ahead.

If you want to know how to stop a bike engine leaking oil, this blog explains everything important, from the root causes to the best ways to detect it and easy solutions.

Causes of oil leakage in bikes

An engine oil leak motorcycle can stem from several common issues. Heat and vibration can wear out gaskets and oil seals, causing cracks that let oil escape. Loose or damaged drain plugs, missing washers or faulty oil pans also contribute to leakage. Overfilling the oil tank forces excess oil out through breather pipes or overflow outlets.

Cracks in the engine casing, often from falls or accidents, are another frequent cause. Poor maintenance, like skipping oil changes, can break down oil, turning it acidic and leading to seal and gasket deterioration, increasing the risk of leaks.

How to identify oil leaks in bike?

To identify a bike engine oil leak, watch for key warning signs. Dark brown or black stains beneath the engine often signal leakage. Oil marks may also appear on parts like the engine block, exhaust pipe or under the fuel tank.

A sudden drop in oil level between checks is another red flag, use a dipstick to confirm. A burnt or strange smell while idling may indicate oil dripping onto hot engine parts like the cylinder head. Excessive white or blue smoke from the exhaust also points to oil burning in the combustion chamber due to a leak.

Solutions for motorcycle engine oil leaks

Spotting a motorcycle engine oil leak is often easy, but fixing it requires careful inspection. Start by replacing worn gaskets and seals, especially around the oil pan, valve cover and timing chain cover. Ensure the surfaces are clean before installation. Use a torque wrench to properly tighten bolts without over-tightening, referring to your owner's manual for correct torque settings.

Apply manufacturer-recommended thread sealants to prevent seepage through threaded joints. For minor cracks, use metal epoxy or additives as a temporary fix. If the oil filter is damaged or poorly fitted, replace it with the correct type, applying a bit of oil to the rubber gasket beforehand.

After addressing the issue, clean the engine area and monitor it for a few days. If the oil leak in the bike engine persists, consult a mechanic promptly.

How to prevent oil leaks?

Motorbike oil leak is largely avoidable with a few simple preventive practices. Always follow the manufacturer’s recommended service schedule to ensure timely oil changes and early leak detection, which can reduce major repair costs. Use only the recommended grade and quality of engine oil, as low-grade or counterfeit oils and parts can lead to sludge buildup and premature wear.

Avoid overfilling the oil tank by checking levels with a dipstick or sight glass before refilling. Park the bike on flat surfaces and in shaded or covered areas, as sloped parking and extreme temperature changes can strain seals and gaskets.

Lastly, ride moderately because frequent high-speed riding and sudden acceleration can overheat the engine, weakening rubber components and increasing the risk of leaks.

What are the common parts where oil leakage happens?

Here are the bike parts that are more prone to leaking than others:

Conclusion

Whether it’s a small stain on the floor or an unbearable odour, early detection and prompt action can be life-saving. Learning how to detect and fix the root cause will also help you reduce your repair costs and prevent two-wheeler insurance claims.

Having a comprehensive policy with relevant engine protection can reduce your financial stress in case your engine is damaged due to oil leaks, water logging or fire.

FAQs

• When is it safe and unsafe to ride my bike in the event of a leak?

Safe: When the engine oil is not actively dripping and the leak source is known but not likely to worsen in a day or two.

Unsafe: When the oil is dripping badly, there’s a performance issue or the oil might come in contact with the rear tyre or brake system.

• Does two-wheeler insurance cover oil leaks?

Comprehensive bike insurance may cover repairs if the engine is damaged due to a leak or if the leak results from an accident.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

When you understand how bike engine works, you start identifying things, like strange noises, drops in mileage, heat levels and can catch problems early. This knowledge helps you talk confidently at the service centre and avoid unnecessary repairs.

This blog explains in simple terms how do motorcycles work, what components are involved and how different engines function.

Overview of motorcycle engines

Motorcycle engines are designed to convert fuel into motion using a process called internal combustion. In simple terms, petrol and air are mixed, compressed and ignited inside the engine to create energy. This energy creates an explosion that pushes the pistons, which turn the crankshaft and ultimately rotate the wheels.

The two most common engine types in Indian bikes are 2-stroke engines and 4-stroke engines.

Engine fundamentals

Let’s understand the basic principles that explain how motorcycles work:

1. Internal combustion: This is the heart of every bike engine. When you click the start button, the engine starts a cycle to generate power. It essentially runs on three things: fuel, air and spark.
2. Piston: It is a cylindrical metal part that moves up and down inside the engine’s combustion chamber. When the combustion process creates hot gases, they push the piston down, which connects to a crankshaft.
3. Crankshaft: It is found at the base of the engine and is connected to the piston. The crankshaft converts the piston’s up-and-down motion into a rotary motion that turns your wheels.
4. Valves: They let the air-fuel mixture into the engine and release the exhaust gases after combustion.
5. Spark plug: It creates the spark that ignites the fuel-air mixture inside the combustion chamber.

Key components

To understand how does a motorcycle engine works, you must know the importance of each component in the engine. They include:

• Cylinder block: This is the main body of the engine where the combustion process takes place.
• Cylinder head: This sits on top of the cylinder and contains the spark plug, valves and sometimes camshafts.
• Camshaft: It is a rotating shaft that opens and closes the valves (intake and exhaust) at the right time.
• Timing chain or belt: Keeps the crankshaft and camshaft synchronised.
• Air filter: It cleans the air entering the engine.
• Carburettor/ fuel injection system: It is a mechanical/electronic device that sprays petrol at high speed into the engine’s combustion chamber in measured amounts.
• Cooling system: Keeps the engine from overheating. Depending on your bike, this could be air fins, oil circuits or liquid coolant with a radiator.
• Lubrication system: It distributes and filters engine oil and reduces friction to keep the moving parts from wearing out.

How a 4 stroke engine works

Let’s understand how motorbike engine works. A 4-stroke motorcycle engine operates through four repeating phases: intake, compression, power and exhaust. In the intake stroke, the piston moves down, the intake valve opens and a vacuum pulls the air-fuel mixture into the cylinder while the exhaust valve remains closed.

During the compression stroke, the piston moves up, compressing the mixture into a smaller space, increasing its temperature and volatility. In the power stroke, the spark plug ignites the compressed mixture just before the piston reaches the top, causing an explosion that forces the piston down and turns the crankshaft.

Finally, during the exhaust stroke, the piston moves up again, the exhaust valve opens and burnt gases are expelled, while the intake valve stays closed to prevent contamination of the fresh charge.

How a 2-stroke engine works

In a 2-stroke motorcycle engine, the entire combustion cycle is completed in just two piston movements. As the piston moves upward, it compresses the fuel-air mixture inside the cylinder while creating a vacuum in the crankcase that draws in a fresh charge through intake ports. When the piston reaches the top, the spark plug ignites the compressed mixture, forcing the piston down. This downward motion opens the exhaust port to release burnt gases, while the pressurised fresh mixture from the crankcase enters the combustion chamber, ready for the next cycle.

Common misconceptions & tips

We have busted here three common myths about bike engines and also shared a few quick tips:

• Myth 1: Bigger engine = faster bike

Fact: Not always. A 150cc bike with better tuning can outperform a heavier 200cc one. It’s more about power-to-weight ratio, gearing and torque.

• Myth 2: Kick-start is better than electric start

Fact: Both start the engine the same way. Kick-starting may help in cold conditions, but it doesn’t protect the engine.

• Myth 3: You can use any engine oil in your bike.

Fact: Engine oil grades vary by viscosity and purpose. Always use the oil grade recommended by your manufacturer.

Conclusion

Learning how motorcycles work will help you become a more informed rider and better maintain your two-wheeler.

And just as you protect your engine with regular servicing, proper riding techniques and good fuel quality, protecting your entire motorcycle with reliable bike insurance is equally crucial. Choose a comprehensive policy for financial and legal protection against theft, third-party liability, accidents, fire and even natural disasters.

FAQs

• How often should I service my bike engine?

You should service your bike as per the schedule in your owner’s manual, usually every 2,000 to 3,000 km.

• Why does my bike consume more fuel in traffic?

Stop-and-go traffic prevents your engine from running at optimal efficiency. The frequent acceleration and idling increase fuel consumption.

• Can I use the same petrol for both two-stroke and four-stroke bikes?

Yes, you can, but two-stroke bikes need oil mixed with petrol, while four-stroke bikes have a separate oil system.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

India records the highest number of road accident deaths globally, making road accidents a leading cause of mortality in the country. This highlights the critical need for advanced safety features in automobiles. ABS in two-wheelers is one such safety feature that stops the wheels before they lock up due to sudden braking. Dual channel ABS and single-channel ABS are common terms that Indian motorists come across. Find out more about them in this blog.

What is ABS in bikes?

An Anti-Lock Braking System (ABS) is a significant safety feature for motorcycles. It prevents the locking up of wheels when sudden brakes are applied. When wheels lock up during braking, it can lead to skidding and accidents. ABS stops such wheel lock-ups to allow better control and avoid accidents. The ABS technology includes sensors on the wheels that track the speed and balance brake pressure suitably to maintain better control.

What is dual channel ABS in bikes?

The ABS braking system is commonly of two types— the single-channel and the dual-channel ABS. The dual-channel ABS works on both the rear and front wheels to offer more comprehensive protection. This braking system allows you to stop using both the rear and front brakes, providing shorter stopping distances while riding. With the dual-channel ABS, you can benefit from improved braking control and power, even in different riding conditions.

How does dual-channel ABS work?

As you manoeuvre through the busy roads, your bike’s dual-channel ABS is consistently working to offer you improved safety. Let’s look at how the dual-channel ABS works in two-wheelers:

1. The Electronic Control Unit (ECU): The ECU is an important component to receive data from your wheel’s sensors. It then adjusts brake pressure accordingly to stop your wheels from locking up in emergency braking situations.
2. The speed sensors: These are found on the wheels to detect the speed and send signals to the ECU before locking up.
3. The Hydraulic Control Unit (HCU): This includes the valves and pumps that release and restore the brake fluid pressure, respectively. They ensure there is an optimal pressure level that reduces the risks of skidding.

Advantages of dual-channel ABS in bikes

An important safety feature in bikes, the dual-channel ABS offers the following benefits:

• Improved braking efficiency: The dual-channel ABS offers better control over the vehicle, reducing stopping distance and improving overall braking efficiency.
• Better stability: Skidding is a major cause of concern among motorists, especially when applying sudden brakes. ABS reduces these chances of sudden skidding, allowing more stability.
• Prevent locking wheels: Sudden braking can lead to wheels that lock up and eventually cause skidding. ABS is significant in reducing the risks of such wheel lockups even during hard braking.
• Lower stopping distances: ABS allows you to brake harder without the risk of your wheels locking up. This reduces the overall stopping distance of your two-wheeler.

Best dual channel ABS bikes in India

Let’s look at some of the best bike models that offer the critical safety feature of dual-channel ABS:

• Royal Enfield Classic 350
• Royal Enfield Meteor 350
• Royal Enfield Hunter 530
• Bajaj Pulsar N160
• Bajaj Pulsar NS200
• Bajaj Pulsar RS200
• Bajaj Dominar 250
• KTM 200 Duke
• KTM 250 Duke
• KTM 390 Duke
• TVS Apache RTR 200 RV
• Yamaha FZ 25
• Honda H’ness CB350

Conclusion

The rising number of road accident cases in India is an alarming reminder that adventure should not come at the cost of your safety. With new features that offer comfort and performance, safety features like the ABS braking system are essential too. When it comes to protection, a bike insurance policy is just as necessary. While the ABS protects you against skidding, insurance will protect you against financial burdens in case of theft, fire, third-party accidents and own damage.

FAQs

• Is ABS better than non-ABS bikes?

An ABS braking system is always better than a non-ABS system, as it prevents wheels from locking up in situations that require hard braking.

• Does dual-channel ABS offer better protection than single-channel ABS?

Dual-channel ABS works on both rear and front wheels and offers better braking efficiency than a single-channel ABS that works only on the front wheel.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

For speed enthusiasts, the excitement and thrills of riding a bike are unparalleled. However, with the thrill of speed comes the responsibility of safety. Features such as the ABS brake system have become a valuable addition to the list of specifications that you should consider for better control and safety while riding. With different types, such as dual-channel and single channel ABS, understanding this crucial safety feature is necessary.

What is ABS in bikes?

The Anti-Lock Braking System is a critical safety and support feature that prevents the wheels of a motorcycle from locking up when brakes are applied suddenly. With panic or hard braking, your wheel can lock up, leading to skidding and total loss of control over your vehicle. Such situations are common, especially while riding on slippery and wet roads.

Your motorcycle could feature either a single channel ABS system or a dual-channel system, each with its distinct working mechanism and advantages.

What is single channel ABS in bikes?

The single-channel ABS is a system that functions only on one wheel of your bike, which is typically the front wheel. The front brake is usually responsible for a major portion of the stopping force, and hence, the single-channel ABS focuses primarily on it.

This system is often known for its affordability without compromising on the safety levels. A single-channel ABS might not offer you comprehensive safety coverage as a dual-channel system; however, it is an upgrade compared to non-ABS bikes.

How does single-channel ABS work?

The working mechanism of both single-channel and dual-channel ABS systems is quite similar. A single-channel ABS constantly monitors wheel speed to adjust braking pressure, but primarily for the front wheels. Let’s look at how it functions:

1. The front wheel speed sensor: This system includes a sensor on the front wheel to track its speed. In case of an abrupt braking, it sends an alert to the control unit to avoid a lock-up.
2. The Electronic Control Unit (ECU): Based on the signals received from the sensor, it can detect a lock-up. In case of sudden braking, the ECU adjusts the pressure according to the wheel speed.
3. The Hydraulic Control Unit: The valves and pumps in the HCU can reduce and reapply brake pressure on the front wheel to maintain an optimal balance. This also allows for improved control over the bike while braking.

Advantages of single-channel ABS in bikes

A single-channel ABS is an essential feature for your motorcycle for an overall improved riding experience. With fewer accidents and better control, single-channel ABS provides the following advantages in bikes:

• Reduced risks of wheel locking up: A major advantage of single-channel ABS is the reduced risk of wheel lock-ups. Therefore, even when you apply sudden brakes on slippery surfaces, you can avoid the risks of the wheel locking up.
• Improved overall vehicle stability: The risks of losing control or skidding are high during emergency braking. With an ABS, you can avoid such safety risks by preventing sudden wheel lock-ups.
• Reduced stopping distance: With the single-channel ABS, you can apply maximum brake force without compromising vehicle stability. This reduces the braking distance.
• Low accident risks: Better vehicle stability and a low stopping distance can reduce accident risks significantly.

Best single channel ABS bikes in India

The following list of bikes offers single-channel ABS for an improved and safer riding experience:

• Bajaj Pulsar 150 Twin Disc
• Royal Enfield Hunter 350
• Royal Enfield Classic 350
• TVS Apache RTR 160 4V

Conclusion

The Indian roads are a challenge with their rapidly changing structures, potholes and traffic. The unpredictability of Indian roads brings out the importance of safety features in motorcycles, like the ABS braking system. The single-channel ABS is a reliable feature to protect yourself in emergency braking situations.

Meanwhile, you can protect yourself against the financial burdens of accidents with two-wheeler insurance. Just as the ABS offers comprehensive protection against sudden obstacles, comprehensive bike insurance covers third-party damage, own damage and even fire and theft.

FAQs

• How safe is the single-channel ABS for bikes in India?

The single-channel ABS might not be as safe as a dual-channel system, which operates on both wheels. However, it is a safer option when compared to non-ABS bikes in India.

• Does single-channel ABS require regular maintenance?

The single-channel ABS operates constantly to offer protection against sudden wheel lock-ups and accidents. It is, therefore, necessary to regularly maintain its components, such as the ECU and change the brake fluids for smooth functioning.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Electric vehicles are growing more popular in India, especially for city riders looking to save money on fuel and reduce pollution. One name that’s been making waves is Revolt, an electric bike company known for its smart and eco-friendly two-wheelers. Their latest model, the Revolt RV 1, is designed to be affordable, stylish, and packed with useful features. Whether you’re a college student, office goer, or delivery rider, this electric bike offers something for everyone. Let's explore everything you need to know about the Revolt RV 1.

Revolt RV 1 price

Revolt RV 1 comes in two variants – Standard and Plus. Both are budget-friendly and offer good value for money.

• The STD variant is great for daily city use and those looking for an affordable entry into electric bikes.
• The Plus variant gives you a higher battery capacity and longer range, which is ideal if you ride longer distances.

Revolt RV 1 prices can vary depending on your city and any ongoing promotions or government subsidies.

Revolt RV 1 specifications

Revolt RV 1 is designed with daily use in mind. It's lightweight, quick to charge, and offers enough range for most people commuting within the city.

Battery and motor

• Motor: 2.8 kW mid-drive motor
• Battery (STD): 2.2 kWh lithium-ion, IP67 rated
• Battery (Plus): 3.24 kWh lithium-ion
• Charging time (STD): 0 to 80% in approx. 2 hours 15 minutes
• Charging time (Plus): Fast charging option – full charge in 90 minutes

Range (claimed)

• STD variant:
  • Eco Mode – up to 100 km
  • Sport Mode – approx. 80 km
• Plus variant:
  • Eco Mode – up to 160 km

Performance

• Top speed: 70–75 km/h (claimed)
• Weight:
  • STD – ~108 kg
  • Plus – ~110 kg
• Ground clearance: 180 mm
• Seat height: 790 mm

Tyres & brakes

• Tyres: 17-inch alloy wheels with tubeless tyres
  • Front: 90/80
  • Rear: 110/80
• Brakes: 240 mm disc brakes at both ends with a combi-brake system for better safety

Revolt RV 1 features

Revolt RV 1 is packed with smart features that make the ride safer, easier, and more fun. Here are some of the most important Revolt RV 1 features:

Riding modes

• Eco mode: Save battery, great for smooth rides
• Normal mode: Balanced power and range
• Sport mode: More power for quick acceleration
• Reverse mode: Helps you back up easily in tight spaces

Display & controls

• 6-inch LCD digital display: Shows speed, battery percentage, clock, range left, and error messages
• Push start button: No keys needed
• Switchgear: Easy to use with good grip

Lighting

• Full LED setup:
  • Headlamp
  • Tail lamp
  • Turn indicators

Additional features

• Swappable battery: You can easily remove the battery to charge at home
• USB charging port: Charge your mobile on the go
• Low battery alert: Alerts you before the battery runs out
• Passenger footrest and storage box: Practical for daily commuting
• Water-resistant battery: IP67 rated, which means it can handle rain and puddles

Warranty

• Battery & vehicle warranty: 5 years or 75,000 km (whichever comes first)
• Charger warranty: 2 years

Revolt RV 1 bike insurance add-ons

Getting insurance is important when you buy a new bike, even an electric one like the RV 1. Apart from the basic third-party or broader coverage like comprehensive insurance, you can also get add-on covers for better protection.

Popular bike insurance add-ons for RV 1

These add-ons, along with NCB in bike insurance, can be helpful in the long run and provide peace of mind, especially with electric components, which can be costly to fix.

Conclusion

The Revolt RV 1 is a strong step forward in India’s electric mobility journey. With its affordable pricing, useful features, and smart design, it’s a great option for daily riders who want to save on fuel and maintenance. Whether you go for the STD or the Plus variant, you’re getting a reliable, stylish electric bike that’s easy on your wallet and kind to the environment.

Its ride modes, digital display, reverse assist, and swappable battery give it a modern edge over petrol bikes in the same price range. Add to that Revolt’s solid 5-year warranty and comprehensive bike insurance, and the RV 1 becomes a very smart choice for today’s commuter.

If you’re looking for your first electric bike or want a second vehicle for everyday use, the Revolt RV 1 should be high on your list.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Combining sustainability with affordability, the Revolt RV 400 is among the top electric bikes in India. It is also the first AI-enabled electric bike in India, designed specifically for urban travel.

With features such as real-time calculation of battery range, consumption, distance traveled, time taken, the Revolt RV 400 is the perfect choice for city riders who want performance with sustainability. Read on to discover the Revolt RV 400 price, specifications and features. 

Revolt RV 400 price

The numerous Revolt RV 400 features come with an affordable price in India. The Revolt RV 400 price starts from Rs. 1,39,950.

The price of the bike varies by variant. The three variants available and their respective costs are as follows:

1. Revolt RV 400 STD edition

• Ex-showroom price: ₹ 1,39,950
• Insurance (depending on the policy coverage): ₹ 20,034
• Average on-road price in Delhi: ₹ 1,71,180

2. Revolt RV 400 cricket special edition

• Ex-showroom price: ₹ 1,23,750
• Insurance (depending on the policy coverage): ₹ 5,481
• Average on-road price in Delhi: ₹ 1,29,231

3. Revolt RV 400 stealth black limited edition

• Ex-showroom price: ₹ 1,23,750
• Insurance (depending on the policy coverage): ₹ 5,481
• Average on-road price in Delhi: ₹ 1,29,231

Revolt RV 400 specifications

What makes the Revolt RV 400 a top choice among Indian motorists? Besides it being a sustainable and smart alternative to fuel-powered bikes, the following Revolt RV 400 specifications make it stand out in the Indian market:

• Range: 150 km/charge
• Riding Modes: Normal, Sport and Eco
• Fuel Type: Electric
• Battery Capacity: 3.24 kWh
• Fast Charging Time (0-80%): 1.2 hours
• Charging Time (0-80%): 3.3 hours
• Charger Type: Portable
• of Batteries: 1
• Battery Type: Lithium-Ion
• Kerb Weight: 115 kg
• Top Speed: 85 kmph
• Motor Power: 4.1 kW
• Transmission: Automatic
• Front Brake: Disc
• Rear Brake: Disc

Revolt RV 400 features

AI is a valuable addition in any domain, including bikes. The Revolt RV 400 has numerous intelligent features owing to its AI-equipped design:

• The Revolt is equipped with a fully digital instrument console, featuring a speedometer, odometer, tripmeter and a user-friendly touch screen display that allows riders to easily customise the interface and view essential ride data.
• The bike comes with modern conveniences like a self-start system, kill switch and Bluetooth connectivity, enabling seamless pairing with smartphones for added functionality on the go.
• Safety and awareness are enhanced with smart indicators such as a low battery warning, hazard light and high beam indicator. Lighting is entirely LED-based, including the headlamp, brake light and turn indicators.
• Additional features like regenerative braking and parking assist add to the RV 400’s intelligent, rider-friendly experience.

Revolt RV variants with insurance premium

Your insurance premium for a Revolt RV depends on the variant and type of policy you choose. Let’s follow the table for an estimated premium for your electric bike insurance:

Revolt RV 400 bike insurance add-ons

As your bike becomes smarter with AI technologies, your two-wheeler insurance should also get an upgrade. With the following important add-ons for your bike insurance, you are investing in more coverage and financial security:

• Zero depreciation cover: This cover offers you complete compensation without deducting amounts for depreciation.
• No claim bonus: NCB in bike insurance is a reward for safe and claim-free riding, offered as a discount on your premium when you don’t make any claims during the policy period.
• Roadside assistance cover: This add-on service offers coverage during roadside assistance in sudden situations like a flat tire, battery start-up, etc.
• Personal accident cover: Provides financial protection for medical expenses, disability or death in case of an accident, for both the rider and pillion passenger.
• Battery protection cover: As the most expensive and essential component of an EV, the battery is vulnerable to wear and environmental damage. This cover protects you from high replacement or repair costs, not typically included in standard policies.

Conclusion

The Revolt RV 400 blends performance, style and smart innovation, making it more than just a ride. With its advanced features, striking design and smooth electric performance, protecting your bike with the right two wheeler insurance becomes essential.

A comprehensive bike insurance policy safeguards you from both third-party liabilities and own-damage costs, giving you financial peace of mind. Pair it with the right add-ons to enhance protection—so you can ride confidently and responsibly, every time you hit the road.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Harley-Davidson is a name that brings to mind classic American motorcycles with a deep rumble and road presence. But now, Harley has partnered with Hero MotoCorp to bring a new bike, especially made for Indian riders – the Harley-Davidson X440. It is the most affordable Harley in India, designed to offer the charm of a cruiser with the practicality and comfort needed for everyday use.

In this blog, we’ll look at the price, specifications, features and insurance add-ons for the Harley Davidson X440. Whether you are a beginner or a seasoned rider, this bike has something exciting for you.

Harley-Davidson X440 price

The Harley-Davidson X440 comes in three variants – Denim, Vivid and S. Each variant has its own style and features.

Harley Davidson X440 price (Ex-showroom):

• Denim is the most basic version with spoke wheels and fewer tech features.
• Vivid comes with alloy wheels and Bluetooth connectivity.
• S is the top model with diamond-cut alloy wheels, TFT screen, voice recognition and GPS navigation.

No matter which variant you choose, you’ll get the same powerful engine and strong cruiser look.

Harley-Davidson X440 specifications

The X440 has been designed with Indian conditions in mind. It’s not too heavy, not too tall and offers just the right balance between performance and comfort.

Key Harley Davidson X440 specifications:

• Engine: 440cc, single-cylinder, air/oil-cooled
• Power: 27.37 PS @ 6,000 rpm
• Torque: 38 Nm @ 4,000 rpm
• Transmission: 6-speed manual
• Mileage: 35 kmpl (ARAI certified)
• Fuel tank capacity: 13.5 litres
• Kerb weight: Around 190.5 kg (varies slightly by variant)
• Seat height: 805 mm

Harley-Davidson X440 features

One of the strongest points of the X440 is its modern features. It may look like an old-school cruiser, but it’s packed with modern-day technology. Here are some of the most important Harley Davidson X440 features:

• LED headlamp with DRL: Bright, stylish and efficient
• Fully digital instrument cluster: Shows speed, trip meter, fuel level and more
• Dual-channel ABS (switchable): Safer braking in all weather
• Upside down front forks: Stable and responsive on rough roads
• Rear twin shock suspension: Comfort for long rides
• Bluetooth connectivity (in Vivid and S variants): Connect your phone for calls and music
• TFT screen with voice commands (S variant): Control features using your voice
• Turn-by-turn navigation (S variant): Helps you find your way easily
• Anti-theft alarm & geo-fencing (S variant): Added security for your bike

Harley-Davidson X440 bike insurance add-ons

When you buy a bike like the Harley-Davidson X440, it’s wise to choose a good two wheeler insurance plan. While a basic third-party cover is mandatory, getting comprehensive insurance with add-ons gives you better protection.

Useful bike insurance add-ons for X440:

• Zero Depreciation Cover

This add-on lets you claim the full cost of replaced bike parts without any deduction for wear and tear. It’s useful for reducing out-of-pocket expenses after accidents, especially for newer or premium bikes.

• Roadside Assistance (RSA)

If your bike breaks down or you get a flat tyre, this cover provides help like towing, minor repairs or fuel delivery. It's handy for riders who travel often or go on long trips.

• Engine Protection Cover

Standard policies usually don’t cover engine damage from things like water entry or oil leaks. This add-on protects your engine from such issues, which are common during heavy rains or flooding.

• Return to Invoice Cover

If your bike is stolen or damaged, this cover helps you recover the original purchase value, including extra costs like registration and road tax and not just the current market price.

• Personal Accident Cover

This is a required cover that gives financial protection in case there is accidental death or permanent disability of the rider. It provides peace of mind for you and your family.

These add-ons may increase the insurance premium slightly, but they offer peace of mind, especially for a premium bike like the X440. If you don’t make any insurance claims during a policy year, you earn a discount on your renewal premium. This is called NCB in bike insurance, and it increases over the years and helps lower your insurance cost.

Conclusion

The Harley Davidson X440 brings Harley’s famous design and feel at a price many more riders can afford. With its comfortable riding posture, strong torque and modern features, it is suitable for city rides, weekend getaways or even long highway cruises.

Whether you want a simple classic look or full digital connectivity, there’s an X440 for you. Just don’t forget to pair it with a comprehensive bike insurance plan with helpful add-ons to keep your ride safe and worry-free.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

In 2024 alone, Delhi saw over 4,48,767 two-wheeler registrations, according to the Times of India. With millions of bikes navigating the roads every day, the risks of accidents and theft are steadily rising. Whether it’s your daily office commute or a weekend escape, your bike is a constant companion. This is why you must make your bike’s protection a priority.

When riding through Connaught Place or crossing a narrow lane in Lajpat Nagar, a valid two wheeler insurance in Delhi protects you both financially and legally. This guide covers everything you need to know about bike insurance in Delhi.

Why do you need bike insurance in Delhi?

Legal compliance is the foremost reason to have bike insurance in Delhi. However, beyond meeting regulations, comprehensive bike insurance protects you from financial losses in case your bike is damaged or stolen. It also covers third-party liabilities, paying for injuries or damages caused to others.

A reliable insurance policy safeguards you against events like floods, fires, earthquakes and more. It also helps streamline the resolution process in the event of a road accident. When both parties are insured, claim settlements become smoother, saving you from unnecessary arguments or legal hassles.

Problems faced by bike owners in Delhi

Delhi bike owners face unprecedented problems when driving on the roads. Some of them are detailed below:

1. Overcrowding: Road congestion is one of the biggest problems in Delhi. With packed roads and long signals, minor scratches and small collisions are common. These small damages accumulate over time, leading to high repair bills.
2. Air quality: Delhi is one of the world’s most polluted cities. Poor air quality significantly affects a bike’s performance. It forces the engine to work harder and increases fuel consumption and servicing costs.
3. Poor parking facilities: Due to limited space, many bike owners struggle to find adequate parking facilities. In that event, they have to park their bikes in unmonitored areas, which increases the chances of theft and damage.
4. Road condition: Poorly maintained roads, with potholes, uneven surfaces and ongoing construction, are a common sight in the city. These conditions lead to frequent wear and tear on your bike, increasing maintenance costs over time.
5. Extreme weather conditions: Water logging during heavy monsoons damages electric parts, while summer heat shortens battery and tyre life. A good policy with relevant add-ons helps cover these weather-related repairs.

Types of bike insurance ideal for Delhi

Here’s a breakdown of the main types of bike insurance in Delhi:

• Third-party insurance: This is the most basic coverage and a mandatory legal requirement. It covers damage to another person, vehicle or property caused by your bike. However, it does not cover damage to your own bike.
• Comprehensive bike insurance: This plan is best suited for Delhi’s challenging riding conditions. It covers third-party liabilities and own damage, including protection against theft, fire, natural disasters and accidents.

Additionally, you can choose the following add-ons to enhance your coverage:

• Zero depreciation cover: It provides a full claim amount without deducting depreciation costs.
• Roadside assistance: Get immediate response for breakdowns, dry tanks, dried batteries and towing when stranded on the road.
• Engine protection: This covers engine damage due to water ingress or fire.
• Consumables cover: It includes the cost for nuts, bolts and other items during claim settlement.

You also benefit from NCB in bike insurance (No Claim Bonus). If you don’t raise any claim during a policy year, you get a discount known as NCB when renewing the policy. It starts with a 20% discount after the first claim-free year and can go up to 50% with consecutive claim-free renewals.

How to buy bike insurance online in Delhi?

Buying bike insurance online in Delhi is fast, convenient and offers the best deals and maximum discounts. Here are the steps to purchase or renew a two-wheeler policy:

1. Compare policy terms, benefits and estimated premiums across different insurers.
2. Visit your chosen insurer’s website or mobile application.
3. Enter your bike’s registration number and other KYC details. You must also provide all relevant personal details.
4. Choose the type of policy you want: third-party or comprehensive. Select the relevant add-ons.
5. Make the payment using your preferred form of payment.
6. You will receive the policy via email.

Challan for not having bike insurance in Delhi

Delhi Traffic Police actively check insurance documents during routine stops. Riding without valid third-party insurance is punishable under the 1988 Motor Vehicles Act.

Here’s what happens if you get caught without valid insurance:

• You will be fined ₹2,000 for the first time or imprisoned for up to 3 months.
• Thereafter, you will be fined ₹4,000 and/or imprisoned for up to 3 months.
• In some cases, your bike may be taken away temporarily. You may have to appear in court after consistency violations.

The Delhi Traffic Police now issues e-challans. Thus, even if you are not stopped while on the road, you might receive a fine notification. You can pay the fine through the Delhi Traffic Police website or at the nearest station.

Conclusion

From rising traffic and theft to poor road conditions, there are various challenges that arise from owning a bike in Delhi. In such cases, insurance becomes a financial shield.

To stay protected, choose a bike insurance plan that aligns with your daily usage, regular routes and your bike’s make and model. For complete peace of mind, a comprehensive policy is your best bet as it safeguards your vehicle, your finances and your legal standing.

FAQs

• Is one-year insurance in Delhi enough for my new bike?

No. For new bikes, you need 5-year third-party insurance. You can add a 1-year own damage cover for complete protection.

• What is IDV in bike insurance?

IDV stands for Insured Declared Value. It’s the amount you will get if your bike is stolen or completely damaged. You can increase your IDV for an additional premium, but decreasing it is not recommended.

• What documents are required for bike insurance?

You need your bike's RC (Registration Certificate), previous insurance policy, ID proof and address proof.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

The automobile industry has seen a significant rise in features for Indian motorcycles. With the promise of convenience and performance, industry giants have started to shift their attention towards safety features. One such example of a recently prevalent safety feature is the ABS. The Anti-Lock Braking System (ABS) in bikes is used to stop cases of wheel locking when a sudden brake is applied.

Read ahead to find out the differences and importance of single channel vs dual channel ABS.

ABS full form in bike and its importance

In terms of bike safety, ABS is a safety technology designed to stop the locking up of your bike’s wheels during hard braking. Such emergency braking can cause your wheel to skid, especially when riding on uneven or slippery surfaces. This can cause loss of control over your vehicle and even serious accidents.

The ABS prevents such situations by continuously monitoring the speed of your bike’s wheels and adjusting brake pressure as needed. There are two types of ABS systems used in motorcycles—dual channel ABS vs single channel ABS. Let’s explore the key differences between them.

Difference between single channel and dual channel ABS

Single channel ABS operates only on one wheel, primarily preventing lock-ups of the front wheel. It is usually considered a cost-effective option to improve braking safety.

On the other hand, dual channel ABS controls and operates on the rear as well as the front wheels. This allows for better stability during situations that demand hard braking, as it prevents lock-up of both wheels.

How does dual channel & single channel ABS work?

The core mechanism of both dual-channel and single-channel ABS is similar, except for their coverage area:

1. Monitoring speed through sensors: For dual-channel ABS, two independent sensors monitor both the rear and front wheels. On the other hand, single-channel ABS works on front-wheel sensors only.
2. Sending data to ECU (Electronic Control Unit): In case of an emergency and sudden braking, the sensors are designed to send data to the ECU. The ECU analyses the signals to detect a lock-up, which can activate the Hydraulic Control Unit (HCU).
3. Activation of HCU (Hydraulic Control Unit): On detection of an imminent wheel lockup, the HCU is activated to reduce and reapply brake pressure according to the speed. The HCU controls the front wheel for single-channel ABS, while both wheels are controlled in a dual-channel system.

Why dual channel ABS is beneficial for riders

Dual-channel ABS offers several advantages over single-channel systems. It controls both front and rear wheels for better braking efficiency and shorter stopping distances, reduces the risk of wheel lock-ups and skidding, especially on wet surfaces and enhances overall vehicle control, providing safer handling during emergency braking.

Misunderstandings about ABS in bikes

Many motorcyclists in India encounter common myths surrounding safety features like ABS Here are some common misconceptions you should know about:

• Myth 1: Experienced riders don’t need ABS: This is a common myth among motorists, but ABS is a significant safety feature for beginner and experienced motorists.
• Myth 2: ABS only works on wet surfaces: Your bike’s ABS is beneficial for safe riding on various road conditions, even on dry and uneven roads.
• Myth 3: Braking efficiency reduces due to ABS: The effectiveness of your overall braking system does not reduce due to an anti-lock braking system. On the contrary, it reduces the stopping distance.

Disadvantages of dual channel & single channel ABS

While ABS offers significant safety benefits, it also has some drawbacks. It can be costly to add if not built into the bike, and it may reduce stability and smoothness during off-road riding compared to on-road use.

Conclusion

The Indian automobile market is on the rise, with newer features added weekly. Your motorcycle also comes with an ABS safety feature, which is essential for Indian roads. Besides the ABS, Indian roads also demand an active bike insurance policy. For financial threats such as accidents, third-party damage, own damage and even theft, invest in a comprehensive plan for complete coverage. 

FAQs

• Is dual channel ABS more efficient than a single channel system?

Both dual channel and single channel ABS offer respective benefits, but the dual channel system provides better stability with protection on both wheels.

• How safe is ABS in bikes?

ABS has become a prevalent safety feature for bikes in India, offering essential prevention against sudden wheel lock-ups.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

An anti-theft bike device is a security system (manual or automatic), often fixed to the two-wheeler, to lower the possibility of theft. Today, cases of bike theft have increased globally. Installing an anti-theft device certified by ARAI (Automotive Research Association of India) is one effective solution to prevent two-wheeler theft.

This article discusses more about the ARAI approved anti-theft devices for your bike.

What are ARAI-approved safety devices?

Safety devices with ARAI approval mean that they have passed the strict effectiveness and compatibility performance tests. These approved safety devices include the following:

• ITS System TLG-1000 by Autocop India Pvt. Ltd
• TCU by Pricol Limited
• VTS from Wabco India Limited
• ACONITS140 by Accolade Electronics Pvt. Ltd, Pune
• VTS-01-021 & VTS-01-022 from KPIT Technologies Ltd, Pune

List of vehicle tracking systems as per AIS 140

AIS 140 entails a set of standards for India’s vehicle tracking systems, focussing mainly on safety. The systems are made to offer real-time emergency alerts, location tracking and many other features that strengthen security.

According to India’s Ministry of Road Transport and Highways (MoRTH), the list of approved vehicle tracking systems is as follows:

• AIS 140 GPS tracker
• AIS 140 compliance
• Alarm-Based Theft Deterrent Systems
• Vehicle tracking devices (IRNSS+GPS+AGPS).
• Vehicle tracking devices with emergency buttons (SOS capability).
• Telematics control units (TCU)
• Immobiliser based systems
• Smart systems technologies
• Real-time tracking
• Route deviation alerts
• Geofencing
• Panic button
• Driver behaviour monitoring
• Vehicle health monitoring, for example, fuel levels, engine temperature, etc.

Things to keep in mind when installing

Whenever you want to install anti-theft device(s) for bikes, also prioritise the following important aspects: 

• Consider high-quality locks: Chain locks and U-locks are often considered safer than cable locks, which can easily be cut out.
• Prioritise multiple locks: Using a combination of strong locks like the chain and u-locks can make it harder for thieves to interfere.
• Find locks with ART label: Such locks signify that they have been tested and approved for resistance to theft attempts.
• Safeguard your bike to a solid or fixed object: You can install a ground anchor, sturdy bike racks or a fixed point in your garage to lock your bike. Avoid using objects that are easier to cut or break, such as wooden posts or chain link fences.
• Consider installing more than one anti-theft device: Try installing GPS Trackers to help locate your bike if stolen or even act as a deterrent. The motion-activated bike alarms emit loud sounds, which can scare off or discourage thieves by emitting loud noises if your bike is moved.
• Choose reliable bike insurance: Purchasing a good comprehensive bike insurance that covers theft is necessary, especially for high-value two-wheelers.

How anti-theft devices help lower bike insurance premiums?

The anti theft devices can help secure your bike from theft, and also lower the bike insurance cost. Failure to install anti-theft devices increases the chances of bike theft, hence a higher likelihood of making claims. If an insured bike gets stolen, the insurer will pay you the claim based on the bike’s current market value.

However, not all anti-theft devices for bikes can guarantee insurance premium discounts. Mostly, the insurer gives discounts when the bike has valuable devices like the disabler or GPS tracking system. Also, due to the varied complexity of the systems, most insurers may ask for ARAI approved anti-theft devices. They may also recommend that the system be installed by a professional to guarantee its reliability.

Conclusion

The anti-theft bike systems give your two-wheeler security from thieves. ARAI approval indicates that the device meets the set quality and safety standards and, hence, is reliable. Besides, taking extra precautions by installing multiple anti-theft devices strengthens the bike’s security and makes it even harder for thieves to steal the bike.

Alongside these precautions, ensure you purchase a comprehensive bike insurance policy to add to the safety of your two-wheeler. The insurance will also save you from financial constraints in case of possible theft or other incidents like fire, floods or road accidents.

FAQs

• Can I install the anti-theft device on my own?

No, you should seek professional installation to have it done properly. Also, insurers often ask for evidence of professional work done to apply the insurance premium discount.

• Does bike insurance cover theft?

Yes, comprehensive bike insurance or Own Damage (OD) insurance policy covers theft. File a first information report (FIR) and submit the necessary documents to your insurer. With approval of the claim, you’ll receive the compensation based on your two-wheeler’s insured declared value.

• What is the best anti-theft device for bikes?

The best anti theft device for bikes includes the ARAI-approved GPS tracker with immobiliser and alarm features, such as the Pricol IRNSS AIS 140 TCU. Also, ensure you seek professional installation to have the work done to standard.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Bikes are one of the fastest and most practical ways to move through a busy city like Chennai. Every day, thousands of riders ride through busy areas like T. Nagar, Velachery, Guindy and Anna Salai. Although bikes make commuting easier, they also come with risks— frequent accidents, theft and weather-related damage.

During the monsoon season, waterlogged streets often lead to engine damage and breakdowns. In such unpredictable conditions, not having bike insurance can result in hefty out-of-pocket expenses. That’s why understanding how bike insurance in Chennai works—and how it can protect you—is essential for every rider.

Why do you need bike insurance in Chennai?

Insurance is essential for bikers in Chennai because:

1. Unpredictable coastal weather and natural disasters: Chennai's coastal location makes it prone to cyclones, heavy downpours and waterlogging, especially during the monsoon. A comprehensive bike insurance policy covers damages caused by these natural calamities and helps with repairs or replacements at minimal cost.
2. Traffic congestion and high road accident risk: Chennai is known for its high vehicle density, making road risks a daily reality. Two-wheeler insurance provides financial protection against damage to your bike and covers third-party liabilities in the event of an accident.
3. Rising traffic offences and challans: The city’s traffic violations have led to an increase in challans. Riding without a valid insurance policy attracts fines. You stay compliant and avoid unnecessary fines if you have a valid policy.
4. Bike theft: Comprehensive policies cover theft and offer compensation based on your bike’s Insured Declared Value (IDV).

Problems faced by bike owners in Chennai

Let us understand some common challenges that make bike insurance Chennai necessary:

• Poor road design: Blind spots, potholes and inconsistent road levels make riding risky, especially during peak hours or rain.
• Neglect of two-wheelers in planning: Road designs often prioritise car drivers, leaving bike riders exposed to unsafe stretches.
• Corruption and construction hazards: Frequent digging and poor-quality construction cause repeated disruptions and sudden hazards.
• Rule violations: Many riders overlook traffic laws. When combined with weak enforcement, this increases accident risks.
• Lack of driving discipline: Reckless riding, speeding and poor driving skills lead to collisions and crashes.

Types of bike insurance ideal for Chennai

Choosing the right insurance is crucial. Let us see a breakdown of your options:

The add-ons recommended for Chennai riders include:

• Zero depreciation: Full cost of parts is covered, not adjusted for wear.
• Engine protection: Critical during monsoons and waterlogging.
• NCB (No Claim Bonus) protection: Prevents loss of discount after small claims.
• Return-to-invoice cover: Get the original bike value in case of total loss or theft.
• Roadside assistance: Useful in areas with limited garage access.

How to buy bike insurance online in Chennai?

Buying two-wheeler insurance in Chennai has never been easier with the option to get it online. You can just follow these simple steps:

1. Visit a trusted insurance website.
2. Enter your details, like city (Chennai), bike registration number, make, model and RTO.
3. Choose the type of policy you need. It can be third-party, standalone, own damage or comprehensive.
4. Select any add-ons you may need, such as zero depreciation or engine protection.
5. Compare the available plans based on price, claim settlement ratio and garage network.
6. Make the payment using UPI, debit card, credit card or net banking.
7. Your policy will be sent to your email when you make the payment.

Challan for not having bike insurance in Chennai

Not having valid bike insurance in Chennai is a legal offence as per the Motor Vehicles Act. Penalty includes:

• ₹2,000 for the first offence
• ₹4,000 for repeat offences
• Potential legal proceedings for third-party damage

Conclusion

Getting two-wheeler insurance in Chennai is more than following the legal rules. It is recommended as it is a smart way to protect yourself from everyday risks. As unpredictable rains, packed roads and bike theft cases are on the rise, it only takes one incident to leave you facing a big repair bill or a total loss.

Opt for comprehensive bike insurance as it covers third-party liabilities and shields your bike from accidents, theft, natural disasters and even engine damage, if you choose the right add-ons. It will also let you ride claim-free, so you can save on premiums over time through NCB in bike insurance.

FAQs

• What is the minimum bike insurance I need in Chennai?

You must at least have a third-party bike insurance policy in Chennai. It is legally required and covers any injury or damage you may cause to other people while riding your bike.

• Can I get any discounts on my two-wheeler insurance premium?

Yes, you can avail of an NCB in bike insurance if you have gone claim-free for a year or more. This can help you save up to 50% on your premium over time.

• Is it safe to buy two wheeler insurance Chennai online?

Yes. Buying two-wheeler insurance in Chennai online from trusted providers is 100% safe, legal and often more cost-effective. It is also quicker and paperless.

• What happens to my comprehensive bike insurance if I sell my bike?

You can transfer your comprehensive bike insurance policy to the new owner, or cancel it and carry forward your NCB benefits when purchasing a new policy for another bike.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Yezdi Roadster is a smart city cruiser, and the most affordable Yezdi one can buy in India. Essentially competing with the Royal Enfield Meteor 350 and the Honda H’ness CB350, this new addition by Classic Legends offers great acceleration, sharp brakes, an accessible seat and quite decent slow-speed handling. With redesigned mufflers, a larger rear sprocket and updated compliance with OBD-2 norms, the Yezdi Roadster price and features will give its rivals a run for their money. If you’re looking forward to buying this motorcycle, here’s everything you need to know about Yezdi Roadster specifications, variants and their features.

Yezdi Roadster price

The Yezdi Roadster price delivers excellent value to budget-conscious riders compared to premium motorcycles. Here are the complete pricing details:

Ex-showroom prices in Delhi:

1. Chrome Sin Silver: ₹2.13 lakh (approx.)
2. Chrome Gallant Grey: ₹2.10 lakh (approx.)
3. Dual Tones (4 Variants): ₹2.10 lakh (approx.)
4. Shadow Grey (Dark): ₹2.10 lakh (approx.)
5. Hunter Green (Dark): ₹2.09 lakh (approx.)
6. Steel Blue (Dark): ₹2.09 lakh (approx.)
7. Glacier White (Dark): ₹2.10 lakh (approx.)
8. Smoke Grey (Dark): ₹2.06 lakh (approx.)
9. Inferno Red (Dark): ₹2.06 lakh (approx.)

On-road prices may add ₹ 30,000 to ₹ 50,000 depending on your city's RTO policies and insurance type. You can book the new Yezdi Roadster online for just ₹ 999 on its official website (fully refundable).

Yezdi Roadster specifications

The Yezdi Roadster specifications promise dynamic grit and performance for both city riders and adventurists. Here are its technical details:

• Engine: 334cc, single-cylinder, 4-stroke, liquid-cooled, DOHC
• Maximum power: 29.00 PS
• Maximum torque: 29.40 Nm
• Transmission: 6-speed, constant mesh
• Fuel system: Electronic fuel injection
• Exhaust: Twin exhaust pipes
• Bore stroke: 81 X 65 mm
• Fuel tank capacity: 12.5 litres
• Ground clearance: 175 mm
• Front suspension: 41mm telescopic forks
• Rear suspension: Twin shock absorber, gas-filled emulsion with 5-step adjustable pre-load
• Front brake: 320 mm disc with floating caliper and ABS
• Rear brake: 240 mm disc floating calliper and ABS
• ABS: Single-channel ABS
• Front tyre: 100/90-18, 56S (tubeless)
• Rear tyre: 130/80-17, 65S (tubeless)
• Kerb weight: 194 kg
• Seat height: 790 mm
• Wheelbase: 1440 mm
• Claimed mileage: 28-30 km/L

Yezdi Roadster features

Here’s what you get with the latest Yezdi Roadster features:

1. Muscular styling and proportions improve road presence
2. Round LED headlight provides bright illumination and gives the bike a retro look
3. LED turn indicators provide clearer visibility to other road users, especially in bright daylight
4. LED taillight delivers better visibility from behind across all weather conditions
5. New digital instrument cluster shows speed, fuel level, gear position and trip information
6. The bike connects with the Yezdi mobile app for real-time ride data
7. Forward foot controls provide a relaxed riding position for long rides
8. Chrome finish on engine covers and exhaust pipes adds premium styling
9. Spacious seat and backrest increase comfort for both rider and passenger
10. Wide handlebars give better control and comfortable arm positioning
11. The blacked-out engine finish gives a sporty and intimidating cruiser look
12. Dynamic chrome touches in two variants

Yezdi Roadster bike insurance add-ons

When you buy a new Yezdi Roadster from a dealer, insurance is usually part of the on-road package. Most buyers receive basic third-party insurance, which is a legal mandate in India, but it won’t cover your bike’s damage and other incidents.

Since the Roadster is a cruiser bike that often travels long distances at high speeds, it is recommended that you choose a plan that provides broader protection.

You can opt for comprehensive bike insurance and also invest in add-ons for broader coverage:

• Zero depreciation cover: It gives you the full claim amount without deducting for parts depreciation.
• Roadside assistance: The insurance company will send technical staff if your bike breaks down during long rides or in remote areas.
• Engine protection: It financially protects the engine damage from water logging or oil leakage.
• Return to invoice: Get the full purchase price, including registration and taxes, if your bike is stolen or completely damaged. This is ideal for new bikes

Remember that these bike insurance add-ons are available only with two-wheeler insurance that has its own damage cover. They cannot be topped up with a third-party insurance plan.

Also, if you ride safely and make no claims during the policy period, you will receive a generous NCB in bike insurance. NCB or No Claim Bonus is added with each claim-free year.

Conclusion

The Yezdi Roadster is a smart choice if you want a daily bike with cruiser appeal. When purchasing your dream bike, choose the right two-wheeler insurance coverage. Accidents and theft can happen without warning, and the right coverage will financially safeguard you in times of need. Comprehensive bike insurance is ideally a better investment as it offers broader coverage, including theft, fire, riots and natural disasters.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Hyderabad’s roads are packed with two-wheelers as they are a quick way to get around. Every day, thousands of two-wheelers travel through busy areas like Outer Ring Road, HITEC City, Mehdipatnam and Necklace Road. While bikes offer a convenient way to navigate traffic, they also face serious risks like frequent accidents, theft and monsoon-related damage.

In 2022, Hyderabad reported 2,516 road accidents, with two-wheeler riders being among the most affected. That is where the relevance of having bike insurance comes in. Let us discuss a few aspects that are must-know about bike insurance in Hyderabad.

Why do you need bike insurance in Hyderabad?

Having the right bike insurance in Hyderabad is essential because:

• It is mandatory: Indian law requires at least third-party bike insurance. Riding without it can result in a fine and possible suspension of your licence or even seizure of your bike.
• Accident financial risk: Bhavargaon, Mehdipatnam, Necklace Road and ORR are often scenes of crashes. You could be paying thousands out of pocket for repairs if you don’t have appropriate coverage.
• Bike theft is high: Over 1,000 bikes are stolen every year in Hyderabad, and police records show over 6,300 cases between 2011 and 2015. Most stolen bikes disappear for resale and recovery rates are low.
• Monsoon engine damage: Heavy rains in Begumpet, LB Nagar, and similar areas can cause water to enter engines. Fixing that without protection can blow your budget.
• Financial safety net: Insurance with add-ons like zero-depreciation, engine protection, roadside assistance and NCB protection shields you financially. In such cases, you don’t have to shell out for every event.
• Save with NCB: Claim-free years reward you with a No-Claim Bonus up to 50 per cent off renewal premiums. Some insurers let you protect this if you ever file a claim.

Problems faced by bike owners in Hyderabad

Living and riding in Hyderabad bring several challenges. They often include:

1. Crash hotspots: Stretches like Nehru ORR, Necklace Road, HITEC City, Mehdipatnam and Ameerpet frequently record high accident rates. Factors include negligent driving, busy intersections and infrastructure work.
2. Monsoon damage: Sudden deluges and poor drainage in low-lying areas cause engine-flooding and electrical failures. You will be on the hook for expensive fixes if you don’t have an engine protection add-on.
3. Theft risk: Bikes parked overnight in Koti, Secunderabad, Kukatpally and LB Nagar are often targeted. Daily reports suggest multiple thefts citywide, with recovery in under 30 per cent of cases.
4. Breakdown and repair costs: Even minor bumps can cause costly dents or handlebar damage. You might end up managing the money and admining yourself if you don’t have cashless garage tie-ups.
5. Legal exposure: Riding without insurance or allowing it to lapse can lead to serious consequences if you are caught. You may face heavy fines, licence suspension or even have your bike impounded.
6. Claim-related frustration: Making a claim can become stressful due to delays, lack of cashless garages or poor online support if your insurer is not reliable.

Types of bike insurance ideal for Hyderabad

Given the issues above, let us take a closer look at the insurance structure that is best suited for riders in the city:

1. Third-party bike insurance: This covers damages to another person’s property or harm to them. It does not cover theft, own damage or monsoon issues, but satisfies legal requirements.
2. Standalone Own Damage (OD) cover: This type of insurance protects your bike from accidents, fire, theft, floods and man-made disasters. It can be combined with third-party and offers value without committing to full comprehensive coverage.
3. Comprehensive insurance: This one combines third-party and own-damage protection. It also covers accidents, floods, fire, theft and much more. This is the best option for Hyderabad’s driving and road conditions.
4. Essential add-ons:

• Zero depreciation: It covers the full cost of parts without cutting for wear and tear, and is helpful as your bike gets older.
• Engine protection: This saves you from high repair bills if water damages your engine, especially useful during Hyderabad’s monsoons.
• Roadside assistance: It is a handy add-on if your bike breaks down late at night or in heavy traffic.
• NCB protect: NCB keeps your no-claim bonus safe, even if you have to make a claim.
• Maintain No-Claim Bonus (NCB): This bonus builds savings, up to 50 per cent off renewal. It is transferable when switching insurers or relocating to Hyderabad.

How to buy bike insurance online in Hyderabad?

Getting two wheeler insurance in Hyderabad today is fast and easy. Let us learn how you can do that:

1. Visit a trusted comparison site or go directly to providers.
2. Select a two-wheeler insurance, enter your bike’s registration number, make, model and year. Also, choose Hyderabad as the city of registration.
3. Compare quotes from 15-20 insurers. Look at premium prices, Insured Declared Value (IDV), optional add-ons and network features like claim-settlement ratio (CSR) and garage tie-ups.
4. A bike with engine protection and zero-dep add-ons will provide better long-term value, even if the upfront premium is slightly higher.
5. To lower your premium, fill in IDV and NCB details, if you are renewing and add voluntary deductibles.
6. Pick a plan, pay securely via UPI, card or net banking.
7. E-policy is emailed instantly. Save a copy to your phone so that you can link it to the digital VAHAN.
8. Set renewal reminders. Most platforms notify you 30 days before expiry to protect your NCB and avoid penalties.

Challan for not having bike insurance in Hyderabad

Riding without valid two wheeler insurance Hyderabad is a violation of the Motor Vehicles Act. The traffic police regularly conduct checks across major junctions and roads, especially in high-traffic areas like HITEC City, Madhapur and Lakdikapul. You might face the following penalties if you are caught without a valid bike insurance policy:

• ₹2,000 fine for the first offence
• ₹4,000 fine for subsequent offences

Sometimes, the authorities may also seize your vehicle or suspend your driving licence, especially if the violation is repeated. Besides legal trouble, riding without insurance means you will have to bear the full cost of any damage, injury or liability out of your pocket.

Conclusion

Having two-wheeler insurance in a city like Hyderabad is not just a rule—it is a practical necessity. With how unpredictable things can get on the roads, it only makes sense to have a backup that protects both you and your bike.

That is why choosing comprehensive bike insurance is worth considering. It gives you more than just the basic legal cover and also helps with damages to your vehicle, which third-party plans don’t cover. The peace of mind that comes with proper insurance is well worth it if you ride regularly or even occasionally, so get your bike covered without any second thoughts.

FAQs

• Is bike insurance in Hyderabad mandatory?

Yes, having bike insurance Hyderabad is legally mandatory under the Motor Vehicles Act. Riding without insurance can result in fines and legal issues.

• What is the best bike insurance in Hyderabad for city riders?

The best bike insurance in Hyderabad offers a balance of affordable premiums, wide coverage, cashless garages and a smooth claim process. Look for comprehensive plans with add-ons suited for urban risks.

• What does comprehensive bike insurance for Hyderabad include?

Comprehensive bike insurance covers own damage, theft, accidents, natural disasters and third-party liability. It is ideal if you want complete protection for your two-wheeler.

• How does NCB in bike insurance help reduce premiums?

NCB in bike insurance gives a discount on renewal premiums for claim-free years. The longer you go without a claim, the higher your savings, up to 50%.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Seeing your bike punctured while riding to an important place can be really frustrating, especially if you are stuck in a remote area. While it might seem a difficult task, a puncture is usually easy to fix if you have the right tools. Besides, you will not have to drag your vehicle all the way to a mechanic. If you are keen to know, this guide will explain the process of fixing a bike tyre puncture, along with tips to prevent it.

Causes of bike tyre puncture

The most common causes of a two-wheeler puncture are sharp objects on the road, worn-out tyres, poor road conditions, improper air pressure, tube not installed properly, damaged valve stem and damaged rim.

Ways to identify tyre puncture

Here are the main signs of a tyre puncture you should watch out for:

1. Flat and soft tyre: A tyre that feels squishy when pressed is the most obvious sign of a bike puncture.
2. Bike pulling on one side: You will notice your bike drifting to one side or the wheel wobbling while riding.
3. Hissing sounds: Listen for air escaping from the puncture hole when you are near the bike.
4. Heavy handlebars: You will face a sudden difficulty in steering the handlebars, especially during turns.
5. Visual cues: These include objects like nails, screws or glass sticking out of your tyre. Also, check the tread area and side walls for cuts or holes.
6. Soap water test: Mix soap water and slowly splash it over the tyre surface. Bubbles will form where air is escaping, showing the exact puncture location.

How to fix a bike tyre puncture (tube and tubeless)

Fixing a puncture depends on whether your tyre is tube-type or tubeless. For tube tyres, stabilise the bike using a centre stand or paddock. Loosen the wheel nuts with a spanner or socket wrench and remove the wheel. Deflate the tyre completely, then use tyre levers to lift the bead off the rim and gently remove the tube without damaging the valve. Inflate the tube slightly to locate the puncture, remove any sharp object and clean the area. Mark the spot with chalk, roughen it with sandpaper and apply rubber cement. Wait until it becomes tacky, then apply the patch and let it bond for at least five minutes. Inflate the tube to the recommended pressure and check for leaks.

For tubeless tyres, you usually don’t need to remove the wheel. Locate and remove the sharp object with pliers. Use a reamer to clean and expand the hole. Thread a rubber plug through the insertion tool, insert it into the hole and pull the tool out quickly, leaving the plug in place. Trim the excess plug with a blade. Top up the tyre sealant through the valve if needed. Inflate the tyre and ride slowly for a few kilometres to ensure the repair holds.

Essential tools to fix a bike puncture

Fixing a bike puncture is much easier when you have the right tools. For tube tyres, you’ll need tyre levers, a spanner or wrench and a repair kit that includes patches, rubber cement, sandpaper and chalk.

For tubeless tyres, carry plug strips, an insertool, a reamer and a blade. Use a water spray to detect air leaks quickly. Spare inner tubes and a portable air pump are essential, especially for long rides. Pliers are handy for removing sharp objects and a flashlight is useful for making repairs in low-light or nighttime conditions.

Tricks to reduce sudden bike tyre puncture

To reduce the chances of a two-wheeler puncture, maintain correct tyre pressure and inspect your tyres for embedded objects before every ride. If you see visible cracks or wear on the tread, replace tyres immediately.

Try to stay away from construction zones, potholes and rough patches and use tyre liners or sealants, puncture-resistant tubes or tubeless tyres for added protection.

Conclusion

A flat tyre doesn't have to ruin your whole day. All you need to do is learn how to fix a bike tyre puncture with a ready-made puncture kit. It will save your time and reduce the chances of accidents. Still remember that even the best precautions can’t prevent every issue. That’s why two-wheeler insurance matters.

A comprehensive policy with roadside assistance can help you with towing when you’re stranded and also cover accidental damages, theft and fire, protecting more than just your tyres.

FAQs

• How long does it take to repair a puncture?

If you have the essential tools ready, it will take less than fifteen minutes.

• Why are tubeless tyres better?

Tubeless tyres come with sealants that automatically fix holes without stopping your ride.

• How often should I check my tyre pressure?

Check at least once a month, before every long road trip and more frequently if you travel long distances every day.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

The moment you ride your bike off the showroom floor, its value starts to drop. This decreasing cost is called depreciation, which not only affects your vehicle’s resale value but also the insurance claim amount. If you are planning to sell your bike or renew your two wheeler insurance, knowing how the bike depreciation rate works is a must.

Understanding why it matters in determining the insured declared value (IDV) and how it is calculated can help you choose the right coverage and enable you to sell it at the best rate without getting tricked.

What is depreciation rate for bikes?

The depreciation rate of bikes refers to the decrease in percentage in your two-wheeler’s value with each passing year. The reduction is determined by several factors. The bike’s age tops the list, followed by its mileage, maintenance history, claim history, climatic condition and market demand.

The bike’s condition also matters. Scratches, dents and mechanical issues accelerate depreciation. Meanwhile, regular servicing and careful handling can slow down the process.

Depreciation rate for bikes as per the Companies Act

The Companies Act, 2013 have standardised the depreciation rate for bikes that businesses can easily use for their accounting purposes.

Here’s a summary of the rules:

• As per Schedule II of the Companies Act, the useful life of a motorcycle, scooter or moped is 10 years.
• The straight-line depreciation rate is 9.5% per year for these vehicles.
• In the straight-line method (SLM), you subtract the same amount each year throughout the bike’s useful life.
• For bikes and scooters used in business, the depreciation is charged under the Written Down Value (WDV) method.
• The WDV depreciation rate is calculated at 25.89% annually. This percentage is from Companies Act Schedule II for accounting purposes, not an insurance rule. Insurance companies use their own depreciation schedules per IRDAI.
• In the WDV method, you calculate the depreciation value on the original cost in the first year. From the second year onwards, it’s calculated on the reduced value after each year.

Significance of insured declared value (IDV)

The IDV is your bike’s current market value, or the maximum amount your insurer will pay if someone steals your bike or it's damaged beyond repair. When you renew your own damage (OD) or comprehensive bike insurance policy, the insurer calculates the premium based on the updated IDV, which is revised each year as the bike depreciates.

Here’s a general idea of how depreciation affects your bike’s IDV:

Depreciation rate of bikes after 5 years

The depreciation rate on bikes after five years is not fixed by a standard percentage. Instead, it is decided by mutual agreement between you and the insurer, based on your bike’s condition, usage,and current market value.

Insurers may inspect your bike or request recent service records to assess its condition. While older bikes often have lower premiums, mechanical condition matters more than age. Popular, premium, sports and limited-edition models typically retain better value. However, after-market modifications are usually excluded from coverage.

How to calculate bike depreciation?

Bike depreciation is calculated using a simple formula: start with the current ex-showroom price (excluding taxes and registration), apply the depreciation rate based on the bike’s age and subtract this depreciation value from the ex-showroom price to determine the Insured Declared Value (IDV).

Let’s say your bike was bought for ₹100,000 (ex-showroom) and is now 3 years old. Based on the table, depreciation is 40%. Therefore, the current value is calculated as:

• Depreciation amount: ₹1,00,000 x 40% (1,00,000 X 40 /100) = ₹40,000
• IDV/ current value: ₹1,00,000 - ₹40,000 = ₹60,000

Depreciation rate formula for bikes

The depreciation rate on bike is calculated using a simple formula. You can use this formula every year to estimate your bike’s value.

Formula for calculating IDV:

IDV = Ex-showroom price – (Ex-showroom price x Depreciation Rate)

Or

IDV = Current Market Value – Depreciation Value

Here’s another example:

• Ex-showroom price: ₹1,20,000
• Age: 2 years
• Depreciation: 20%
• IDV = ₹1,20,000 - (20% of ₹1,20,000) = ₹96,000

Conclusion

Depreciation affects every two-wheeler in India, regardless of the type, modifications made or insurance plan.

By understanding the different motorbike depreciation rates and knowing the right formula for calculating IDV, you can make better choices when buying, selling or insuring your bike.

A smart way to stay protected financially is to choose comprehensive bike insurance with a properly evaluated IDV. Only a comprehensive plan will cover you from all unforeseen incidents, including accidental damage and injury, theft, total loss, natural disasters, man-made offences and fire.

FAQs

• Does the third-party insurance premium amount change with IDV?

No. Third-party premiums are fixed by IRDAI and stay the same regardless of your vehicle’s IDV.

• Can I voluntarily increase the IDV of my bike?

While you can opt for a higher IDV, it will increase your premium. However, the insurance company may not accept your application if the chosen IDV is much higher than the market value.

• How can I reduce the depreciation on my bike naturally?

You can reduce depreciation value by servicing your bike regularly, maintaining it well, using genuine parts, avoiding claims and riding safely. Also, adding a zero-depreciation cover will further help.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Dark oil puddles under your bike often indicate an oil leak in bike engine that needs immediate attention. Engine oil is crucial for smooth performance, reducing wear and preventing major damage. While some leakage is common over time, it can signal bigger issues ahead.

If you want to know how to stop a bike engine leaking oil, this blog explains everything important, from the root causes to the best ways to detect it and easy solutions.

Causes of oil leakage in bikes

An engine oil leak motorcycle can stem from several common issues. Heat and vibration can wear out gaskets and oil seals, causing cracks that let oil escape. Loose or damaged drain plugs, missing washers or faulty oil pans also contribute to leakage. Overfilling the oil tank forces excess oil out through breather pipes or overflow outlets.

Cracks in the engine casing, often from falls or accidents, are another frequent cause. Poor maintenance, like skipping oil changes, can break down oil, turning it acidic and leading to seal and gasket deterioration, increasing the risk of leaks.

How to identify oil leaks in bike?

To identify a bike engine oil leak, watch for key warning signs. Dark brown or black stains beneath the engine often signal leakage. Oil marks may also appear on parts like the engine block, exhaust pipe or under the fuel tank.

A sudden drop in oil level between checks is another red flag, use a dipstick to confirm. A burnt or strange smell while idling may indicate oil dripping onto hot engine parts like the cylinder head. Excessive white or blue smoke from the exhaust also points to oil burning in the combustion chamber due to a leak.

Solutions for motorcycle engine oil leaks

Spotting a motorcycle engine oil leak is often easy, but fixing it requires careful inspection. Start by replacing worn gaskets and seals, especially around the oil pan, valve cover and timing chain cover. Ensure the surfaces are clean before installation. Use a torque wrench to properly tighten bolts without over-tightening, referring to your owner's manual for correct torque settings.

Apply manufacturer-recommended thread sealants to prevent seepage through threaded joints. For minor cracks, use metal epoxy or additives as a temporary fix. If the oil filter is damaged or poorly fitted, replace it with the correct type, applying a bit of oil to the rubber gasket beforehand.

After addressing the issue, clean the engine area and monitor it for a few days. If the oil leak in the bike engine persists, consult a mechanic promptly.

How to prevent oil leaks?

Motorbike oil leak is largely avoidable with a few simple preventive practices. Always follow the manufacturer’s recommended service schedule to ensure timely oil changes and early leak detection, which can reduce major repair costs. Use only the recommended grade and quality of engine oil, as low-grade or counterfeit oils and parts can lead to sludge buildup and premature wear.

Avoid overfilling the oil tank by checking levels with a dipstick or sight glass before refilling. Park the bike on flat surfaces and in shaded or covered areas, as sloped parking and extreme temperature changes can strain seals and gaskets.

Lastly, ride moderately because frequent high-speed riding and sudden acceleration can overheat the engine, weakening rubber components and increasing the risk of leaks.

What are the common parts where oil leakage happens?

Here are the bike parts that are more prone to leaking than others:

Conclusion

Whether it’s a small stain on the floor or an unbearable odour, early detection and prompt action can be life-saving. Learning how to detect and fix the root cause will also help you reduce your repair costs and prevent two-wheeler insurance claims.

Having a comprehensive policy with relevant engine protection can reduce your financial stress in case your engine is damaged due to oil leaks, water logging or fire.

FAQs

• When is it safe and unsafe to ride my bike in the event of a leak?

Safe: When the engine oil is not actively dripping and the leak source is known but not likely to worsen in a day or two.

Unsafe: When the oil is dripping badly, there’s a performance issue or the oil might come in contact with the rear tyre or brake system.

• Does two-wheeler insurance cover oil leaks?

Comprehensive bike insurance may cover repairs if the engine is damaged due to a leak or if the leak results from an accident.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.