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  • Activa 6G vs TVS Jupiter: Scooter Comparison

    by Tanmay Ahuja | Oct 10, 2025

    The Honda Activa 6G and the TVS Jupiter 110 are among the most popular scooters in the 110cc segment. They are some of the best two-wheelers for daily use, given their smooth performance and high fuel efficiency.

    Both practical rides attract cost-conscious buyers with their affordability, comfortable ride and useful features. Read on to discover the features and performance of these two popular scooters.

    Feature comparison

    The features of the Activa 6G and the Jupiter are a follows:

    Features

    Honda Activa 6G

    TVS Jupiter

    Cost (base variant)

    ₹81,045

    ₹78,631

    Engine capacity

    109.51cc

    113.3cc

    Maximum power

    7.88 bhp @ 8,000 rpm

    7.91 bhp @ 6,500 rpm

    Mileage

    47 kmpl

    49 kmpl

    Instrument console

    Analogue

    Digital (SmartXonnect)

    Storage

    18L underseat storage

    33L underseat storage

    Lighting

    Halogen headlamp and bulb taillight

    LED headlamp and tail lamp

    Performance and convenience features

    A performance comparison between the Jupiter and the Activa 6G is given below.

    Honda Activa 6G:

    • 51cc engine with a smooth and refined ride
    • Mileage: around 47 kmpl
    • Telescopic suspension and 12-inch front wheel for stability
    • Comfortable seat and good build quality

    TVS Jupiter:

    • 3cc engine tuned for a balance between power and economy.
    • Mileage: around 49 kmpl
    • Adjustable rear suspension for comfort
    • More under-seat storage compared to the Activa

    Digital technology and smart features

    A closer look at the technology and smart features reveals how the two scooters compare.

    Honda Activa 6G:

    • Analogue instrument cluster (no digital meter)
    • External fuel filler cap for easy refuelling
    • Silent start system (ACG motor)
    • Engine start/stop switch for convenience

    TVS Jupiter:

    • Semi-digital speedometer in higher variants
    • Mobile charger option available
    • External fuel filler cap like Activa
    • Econometer to guide better mileage

    Activa 6G - pros & cons

    Here are the pros of the Activa 6G:

    • Smooth and dependable engine performance
    • Great resale value in the segment
    • Comfortable ride for urban commuting
    • Very easy to maintain with a strong service network

    Some cons of the Activa 6G are:

    • Average pick-up and speed
    • Lacks disc brakes or a digital meter
    • Limited under-seat storage (cannot fit a full-face helmet)
    • Users sometimes face issues with plastic parts and long-term quality.

    TVS Jupiter - pros & cons

    Given below are the pros of the TVS Jupiter.

    • High fuel efficiency, providing 49 kmpl for daily commuting
    • Spacious 33-litre underseat storage to hold daily provisions
    • Proven petrol engine reliability with hassle-free maintenance
    • Readily available service network throughout India
    • Lower initial purchase price, in contrast to electric variants
    • TVS IntelliGO technology provides fuel efficiency in traffic.

    Some drawbacks of the TVS Jupiter you should consider before making a purchase are:

    • Increased running costs due to the petrol price
    • Generates emissions and noise pollution
    • Console layout can become confusing

    Why should you buy two wheeler insurance for your scooter?

    It is legally compulsory to purchase third-party two wheeler insurance in India. It helps you save money in the event of an accident or third-party damage and even compensates you with the market value of your scooter if it gets stolen. Yet, many riders skip this vital protection, leaving themselves open to heavy fines and legal hassles.

    A policy goes further by covering both third-party liabilities and damages to your own scooter, making it a smart choice. Timely renewal of your policy ensures uninterrupted protection and complete peace of mind.

    Conclusion

    Both the Jupiter and the 6G are excellent choices for daily commuting, offering solid value and reliability. Choose the Activa 6G if you prefer a smooth, proven ride with time-tested mechanics. On the other hand, the Jupiter is ideal if you’re looking for modern touches like a digital console, Bluetooth connectivity and enhanced lighting.

    Ultimately, choosing between the Honda Activa 6G vs the TVS Jupiter comes down to your personal priorities: whether that’s classic dependability or advanced features. Both scooters deliver strong mileage and dependable performance for city rides.

    FAQs

    • Which scooter is cheaper, the Activa 6G or the TVS Jupiter?

    TVS Jupiter is the cheaper scooter compared to the Honda Activa 6G. The Jupiter retails for ₹78,631, while the Activa 6G costs ₹81,045.

    • Which scooter is heavier, the Honda Activa 6G or the Jupiter?

    The Activa 6G is slightly heavier at 106 kg, compared to the Jupiter which weighs 105 kg.

    • Which scooter, between the Honda Active 6G or the TVS Jupiter, has better mileage?

    When it comes to mileage, the Jupiter holds a slight edge over the 6G. The Jupiter delivers around 49 kmpl, while the Activa 6G offers about 47 kmpl. Although the difference is small, the Jupiter proves to be the more fuel-efficient option, especially for riders who prioritise lower running costs.


    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.

  • Why crash guards are not covered in bike insurance?

    by Tanmay Ahuja | Oct 09, 2025

    Crash guards are one of the most common accessories added to bikes in India. They protect the rider’s legs and the bike’s body in case of a fall. However, here is the catch: standard two-wheeler insurance does not usually include crash guards. Knowing the accessories excluded from your plan’s coverage will help you safeguard your bike better.

    Let’s explore why a crash guard is not covered in bike insurance, and also the other excluded accessories.

    What are crash guards?

    Crash guards, also known as leg guards, are solid metal bars fixed to the bike’s frame near the engine. Their purpose is to take the first hit when a two-wheeler topples and protect parts like the fuel tank and footpegs. They also reduce the risk of injury to the rider’s legs.

    Many riders install crash guards right after bike purchase. Heavy-duty versions are preferred for highways, and lighter and compact guards for city rides.

    Why bike insurance excludes crash guards?

    Insurers usually don’t see bike crash guards as standard fittings. These are classified as accessories and excluded from default cover as they are added later after the bike purchase. Their wide variation in size, quality and price also makes it difficult for insurers to fix a standard value. On top of that, assessing whether a guard was damaged during an accident or earlier can be tricky. Crash guards also don’t always protect against major losses, even though they are useful in minor mishaps. For these reasons, insurance tends to focus on essentials like the engine, frame and electricals. This leaves crash guards outside standard coverage.

    What are the other accessories not covered in bike insurance?

    Accessories make your bike more comfortable and stylish. However, they do not come under insurance automatically. You need to declare them and opt for an accessory add-on by paying a small extra premium to ensure they are protected.

    Accessories that are usually not included in a two-wheeler insurance policy are:

    • Custom exhausts and silencers that are popular for performance and sound.

    • Modified mirrors or handlebars that are considered stylish upgrades but treated as non-standard.

    • Seat covers and cushions that are mostly cosmetic in nature.

    • Useful gadgets such as GPS systems and phone mounts.

    • Luggage carriers, panniers and saddlebags.

    • Cosmetic changes like custom paint jobs or decals.

    • Lighting modifications like LED strips or fog lamps that add style and improve visibility.

    Tips for bike owners in this situation

    Taking a few smart steps can help bike owners cover accessories and avoid unpleasant surprises during insurance claims. You need to:

    • Read your policy carefully: Standard cover usually applies only to factory-fitted parts. Accessories are protected only if they are declared and added to the policy.

    • Opt for accessory cover: Insurers allow you to declare non-standard fittings like crash guards, alloy wheels or saddlebags for a small additional premium. This ensures they are included in your protection.

    • Check the value before deciding: Paying a little extra for coverage can prevent high repair or replacement expenses later if the cost of accessories is significant.

    • Talk to your insurer: Policies differ across providers, and confirming available add-ons with your insurer makes sure that you are fully informed.

    • Keep records: Bills and photos of accessories act as proof of purchase and make claim settlement easier.

    • Prioritise comprehensive bike insurance: Third-party insurance covers only legal liabilities. However, comprehensive insurance protects your bike and, with add-ons, your accessories as well.

    Conclusion

    Crash guards are useful for safety, and they help reduce damage during minor accidents. However, they are not part of standard two-wheeler insurance since they are treated as aftermarket accessories. However, riders can protect these parts by buying an accessory add-on with their comprehensive bike insurance plan. This way, both your vehicle and the extras you invest in can be covered more effectively.



    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.

  • Best Ather Electric Scooters to Buy in India

    by Tanmay Ahuja | Oct 08, 2025

    Ather electric scooters are among the most well-known EV two-wheelers in India. They are known for their clean design, good acceleration, smooth handling and built-in innovative features. They also offer a quieter and more cost-efficient alternative to petrol scooters, especially for daily city travel. Ather currently offers multiple models, each designed to meet different needs.

    Let us take a closer look at Ather Energy and its current lineup of EVs.

    About Ather Energy

    Ather Energy is an Indian electric mobility company founded in 2013. The idea behind Ather was to build smart and reliable electric vehicles designed for Indian roads and riders. What started as a college project has now grown into one of the leading EV startups in the country. Ather Energy designs and manufactures battery packs in-house and develops its software/UI in-house. This gives them greater control over quality, performance and long-term support.

    Ather has also built its own public charging network called Ather Grid. It now spans thousands of fast-charging points across Indian cities. Over the years, Ather has focused on creating a complete ecosystem, from smart vehicles and mobile apps to charging infrastructure and after-sales support. This approach has helped the company establish a strong identity in a fast-growing EV market.

    Top scooters to buy in 2025

    Some of the best Ather scooters available in the Indian market right now are:

    1. Ather Rizta

    The Ather Rizta is designed with family use in mind. It offers a spacious layout, a wide seat, and a flat footboard, making it suitable for both rider and pillion comfort. This model maintains a balance between practicality and design. It also includes features like a TFT display and Bluetooth connectivity. Some specifications of this model are as follows:

    • Range: 123 km (2.7/2.9 kWh) or 159 km (3.7 kWh).
    • Motor output: 3 kW
    • Torque: 22 Nm
    • Top speed: 80 km/h
    • Battery: 9 kWh
    • Charging time: 6 hr 40 mins (0–80%)
    • Ex-showroom price: Starts from ₹1,04,999

    2. Ather 450S

    The Ather 450S is an entry-level model that focuses on strong design and city-ready performance. It comes in Standard and Pro Pack variants with different battery setups. The scooter features an LCD display, LED lighting and sharp handling.

    It also includes dual disc brakes and a compact build that makes it easy to ride through traffic. The key specifications of this model are:

    • Range (IDC): Up to 161 km (Pro Pack) / 122 km (Standard)
    • Power: 4 kW
    • Battery: 7 kWh or 2.9 kWh
    • Charging time: 5 hours 30 minutes
    • Torque: 22 Nm
    • Top speed: 90 km/h
    • Ex-showroom price: Starts from ₹1,19,841

    3. Ather 450X

    The Ather 450X strikes a balance between performance and technology. It comes with a 7-inch TFT touchscreen, built-in navigation and five distinct ride modes, including Warp for maximum acceleration.

    The scooter features CBS braking, LED lighting and ergonomic grips for added comfort. Some specifications of the Ather 450X are:

    • Battery capacity:9 kWh or 3.7 kWh (variant-dependent)
    • Motor power:4 kW
    • Ride modes: Smart Eco, Eco, Ride, Sport, Warp
    • Max torque: 26 Nm
    • Claimed range: 126 km (2.9 kWh) or 161 km (3.7 kWh)
    • Charging time: 3 hours (0–80%)
    • Ex-showroom price: Starts from ₹1,46,999

    4. Ather 450 Apex

    The 450 Apex is the most premium electric scooter from Ather. It features a bold Indium Blue colour scheme with orange accents and is powered by a 7 kW motor. It comes with all-LED lighting, Bluetooth, Google Maps and WhatsApp notifications integrated into the TFT display.

    Its 'Magic Twist' feature enables regenerative braking, reducing the need for frequent use of physical brakes during city rides. The key specifications of this model include:

    • Motor power: 7 kW
    • Peak speed: 100 km/h
    • Battery:7 kWh
    • Claimed range: 157 km
    • Torque: 26 Nm
    • Charging time: 4 hr 30 mins (0 to 80%)
    • Ex-showroom price: Starts from ₹1,89,999

    Why should you buy EV bike insurance to protect your Ather?

    Buying an Ather electric scooter is a smart investment that deserves proper protection. While third-party two wheeler insurance is the minimum legal requirement and covers damages your scooter may cause to other vehicles, property, or individuals, it doesn’t protect your own ride.

    This is where becomes important. It safeguards you from risks such as accidents, theft, natural disasters, or vandalism. Specialised EV insurance policies go a step further, offering add-ons that enhance your protection. These may include roadside assistance, battery protection, zero depreciation cover, and coverage for essential accessories like charging cables.

    Conclusion

    Electric two-wheelers have revolutionised mobility by blending performance, technology and sustainability. Ather’s electric scooters are at the forefront of this change. By creating sustainable, high-performing vehicles with sleek designs and nationwide charging support, Ather has helped the Indian two-wheeler industry rethink what is possible.

    FAQs

    • Which are the best Ather electric scooters to buy in India?

    The most popular Ather electric scooters include the Rizta and the flagship 450 Apex.

    • What is the average range of an Ather electric scooter?

    An Ather electric scooter can offer a range of between 120 km and 157 km per charge, depending on the model.

    • Does Ather Energy provide a warranty on its scooters?

    Yes, Ather Energy offers a standard 3-year warranty, with up to 5 years on select battery packs.


    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.

  • Activa 6G vs Scooty Zest comparison

    by Tanmay Ahuja | Oct 08, 2025

    Scooters combine the charm of twist-and-go convenience with effortless handling, making them a favourite for city travel. If you’re planning to buy one, the Honda Activa 6G and TVS Scooty Zest are likely already on your radar. Both are crowd favourites for daily commutes and short urban rides. The Activa 6G earns its reputation for reliability and fuel efficiency, while the Scooty Zest attracts riders seeking a lightweight, stylish option. But which one truly stands out? Let’s dive in.

    Feature comparison

    Both Activa 6G vs Scooty Zest offer a decent mix of performance, mileage and comfort. Here’s how they compare:

    Feature

    Honda Activa 6G

    TVS Scooty Zest

    Ex-showroom price (approx.)

    ₹84,000 to 97,000

    ₹76,000 to 78,000

    Engine

    109.51 cc, 7.99 PS @ 8000 rpm, 9.05 Nm

    109.7 cc, 7.81 PS @ 7500 rpm, 8.8 Nm

    Mileage

    45 to 60 kmpl

    48 kmpl

    Top speed

    85 kmph

    80 kmph

    Dimensions

    1833 mm length, 106 kg weight

    1770 mm length, 103 kg weight

    Storage

    18 litres

    19 litres

    Other features

    Idling stop system, ACG silent start

    LED tail lamps

    Activa 6G: Pros & cons


    The Honda Activa 6G stands out for its mileage, making it a strong choice for daily commuters. Its reliable Honda engine ensures smooth performance, while modern features like external fuel filling and ACG silent start enhance convenience for everyday rides. The scooter also offers comfortable seating and stable handling on longer routes, available in multiple colour options that boost its appeal.

    The Activa 6G is slightly heavier, offering stability but harder handling for beginners. Additionally, its standard variant lacks LED headlamps. Although the underseat storage is practical, it is somewhat smaller than that of the Scooty Zest. Despite these minor drawbacks, the Activa 6G remains a dependable and low-maintenance scooter, living up to its reputation as a trustworthy family vehicle.

    TVS Scooty Zest: Pros & cons

    The TVS Scooty Zest is an affordable and lightweight scooter that appeals to riders who want an easy-to-handle option for daily commutes. Its agile frame makes it great for riding through busy city traffic. Its performance is also well-suited for everyday rides. The Zest also comes at a lower starting price than many competitors. This makes it a budget-friendly pick for students and first-time buyers.

    However, the Zest’s lower mileage means more frequent refuelling compared to rivals like the Activa 6G. The overall build quality also feels less robust. While it delivers on agility and convenience, it may not be the best long-term choice for those who seek sturdiness and higher fuel efficiency.

    Why should you buy two-wheeler insurance for your scooter?


    Scooters like the Activa 6G and Scooty Zest are often used for city commuting. This means they face high exposure to traffic, sudden braking and minor collisions. Repairing body panels, headlights or even small scratches can quickly become expensive without two-wheeler insurance. A comprehensive plan covers these repair costs. Many insurers also offer cashless garages. This means you don’t have to pay up front when you get your scooter fixed.

    Another factor many riders overlook is theft. Lightweight scooters are easier targets, especially in crowded parking areas. Comprehensive cover ensures you get compensation if your scooter is stolen. In short, insurance is about keeping your scooter affordable to own and run in the long term.

    Conclusion

    Choosing between the Activa 6G and the Scooty Zest ultimately comes down to what you prioritise with your vehicle. The Activa 6G is the winner if you want mileage, reliability and all-around performance. Scooty Zest fits the bill if you prefer lightweight handling, affordability and a more youthful design. Either way, don’t forget to back your ride with a comprehensive bike insurance policy to stay protected on the road.

    FAQs

    1. What mileage does the Honda Activa 6G offer compared to other scooters?

      The Activa 6G delivers around 59–60 kmpl. This makes it more fuel-efficient than many rivals in its segment.

    2. Is the TVS Scooty Zest a good option for daily city rides?

      Yes, the Scooty Zest is lightweight and easy to handle, which makes it ideal for short commutes and heavy traffic conditions.

    3. Which scooter is better for long-term use, the Activa 6G or Scooty Zest?

      The Activa 6G is known for reliability and lower maintenance. The Scooty Zest scores higher on affordability and ease of handling.



    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.

  • Access 125 or NTorq 125: Which is better?

    by Tanmay Ahuja | Sep 09, 2025

    The 125cc scooter segment is crowded, but two models in India stand out. One is the TVS NTorq 125 that is big on features and performance. And the other is the Suzuki Access 125, which is all about comfort and reliability. If you're unsure which one suits you better, this comparison will help you decide. Read on to find out more.

    Feature comparison

    Let us start with a quick comparison to see how the two scooters stack up:

    Feature

    Suzuki Access 125

    TVS NTorq 125

    Engine power 

    8.3 PS @ 6500 rpm

    10.2 Nm @ 5000 rpm

    Torque

    10 Nm @ 5500 rpm

    10.6 Nm @ 5500 rpm

    Mileage

    45 km/l

    47 km/l

    Instrument console

    Digital in top variants

    Fully digital with Bluetooth and navigation

    Bluetooth connectivity

    No, except for top variants

    Yes

    Call/SMS alerts

    No

    Yes

    Turn-by-turn navigation

    No

    Yes

    USB charging port

    Yes

    No

    Underseat storage

    21.8L

    20L and 22 L on editions like Super Squad and Race variants

    External fuel filler

    No, for standard variants. Yes, for Ride Connect edition and above

    Yes, rear-mounted and highly convenient

    Headlamp/taillight

    LED for top variants

    LED for standard

    Braking system

    Combi braking system

    Synchronised braking system

    Mobile app support

    No

    TVS SmartXonnect app

    Additional Features

    Eco assist light, silent start

    Voice navigation, last parked location, ride status, social media notifications

    Suzuki Access 125 - Pros & cons

    The Suzuki Access 125 is a well-rounded scooter that appeals to riders looking for a reliable, fuel-efficient and easy-to-ride option. It performs well in most everyday situations. Let us take a closer look at its pros and cons:

    • Pros:

    The Access 125 offers 21.8 litres of under-seat storage, which is among the better options in its segment. It returns a mileage of around 55–58 km/l in real-world conditions and remains easy to handle with a kerb weight of 106 kg. Features like a USB charger, Eco Assist indicator and side-stand engine cut-off are available in select variants.

    • Cons

    The earlier versions of the scooter lack an external fuel filler, so you have to lift the seat every time you refuel. Bluetooth connectivity and real-time fuel data are only available on the top variant. The suspension setup feels a bit harsh over rough roads and the absence of a boot light can make it difficult to access the storage at night.

    TVS NTorq 125 - Pros & cons

    The TVS NTorq 125 comes with a good mix of performance, design and tech, though a few trade-offs may matter depending on your priorities. Here are both the positives and negatives of the scooter:

    • Pros:

    The NTorq 125 feels stable at higher speeds due to its wider tyres and weight distribution. The digital console with Bluetooth, navigation and ride stats adds real value for tech-focused users. External fuel filling, hazard lights, DRLs and a high-speed alert improve convenience and safety.

    • Cons:

    The NTorq 125 does not offer great mileage, it gives only around 40-47 km/l in daily use. It is on the heavier side, and this might not suit everyone. There is no USB charger in any variant, and the 20-litre underseat storage is a bit tight.

    Why should you buy two wheeler insurance for your scooter?

    While features, mileage and performance often take priority when buying a scooter, two-wheeler insurance is equally important, especially on Indian roads where accidents, theft and unpredictable weather are common.

    Third-party insurance is mandatory under the Motor Vehicle Act, and failing to have it can result in fines or legal issues. Opting for comprehensive bike insurance offers broader protection, covering repair costs, damage from floods, fire or riots and even compensation in case of theft. It’s a smart and responsible choice for every rider.

    Conclusion

    Suzuki Access 125 and TVS NTorq 125 serve very different rider needs. Access 125 leans more toward daily comfort, fuel savings and a no-fuss riding experience. On the other hand, the TVS NTorq 125 is for those who enjoy modern features, sportier looks and a more engaging ride. It is less about which scooter is better overall and more about which one fits your priorities better.

    FAQs

    • Is the Suzuki Access 125 good for daily use?

    Yes, the Suzuki Access 125 is reliable, fuel-efficient and easy to handle. This makes it ideal for everyday riding.

    • What are the key features of the NTorq 125?

    The NTorq 125 offers Bluetooth connectivity, navigation, a sporty design and strong performance.

    • Which is better: Suzuki Access 125 vs TVS NTorq 125?

    Access 125 is better for mileage and comfort. NTorq 125 is better for features and performance.


    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.

  • Suzuki Access 125 vs Bajaj Chetak: Price, Specs & Insurance

    by Tanmay Ahuja | Sep 08, 2025

    Suzuki Access 125 and Bajaj Chetak are reliable scooters, each popular for its distinct features and performance. The Access 125, a petrol-powered scooter, is well-known for its high performance, reliability, fuel efficiency and exciting features, like Bluetooth connectivity. On the other hand, Bajaj Chetak is an electric scooter that boasts a longer range and offers a zero-emission alternative. Users enjoy its modern features, fast-charging capability and eco-friendly mode.

    This article explores key differences between the Suzuki Access 125 and the Bajaj Chetak. Read on.

    Feature comparison

    Here is how the two models differ when it comes to features:

    Key highlight

    Suzuki Access 125

    Bajaj Chetak

    Ex-showroom price

    ₹ 85,061 (approximately)

    ₹ 1,04,713 (approximately)

    Power

    8.3 bhp @ 6500 rpm

    3.1 kW

    Fuel type

    Petrol

    Electric

    Riding range

    Around 249 km (mileage around 45 kmpl)

     Around 127 km

    Top speed

    90 kmph

    62 kmph

    Transmission

    Automatic

    Automatic

    Front suspension

    Telescopic

    Single-sided Leading Link

    Rear suspension

    Swing arm

    Monoshock

    Start type

    Kick and self-start

    Self start

    Under seat storage

    21.8 litres

    35 litres

    Suzuki Access 125 - pros and cons

    Pros:

    • Has a cosy cushion seat and comfortable seating posture, hence great for city rides
    • Good seating space that favours family rides
    • Low maintenance
    • Has a good pickup speed
    • Comes with a stylish and modern design, besides updated features that appeal to many users
    • Fel-efficient, hence reliable for daily commuting
    • Lightweight, hence easier to handle on the road
    • Has many colour options to choose from
    • Powerful engine with quiet rides

    Cons:

    • Comes with a low-intensity headlight that can be inadequate in low-lit areas or during night riding
    • The footboard is a bit raised and may feel uncomfortable to some riders
    • Some users report stiff suspension that can feel harsh
    • The mileage is relatively low, around 45 kmpl

    Bajaj Chetak - pros and cons

    Pros:

    • Has a classic retro design with a modern twist, which appeals to those prioritising retro aesthetics
    • Modern features like hill-hold assist, app connectivity, colour TFT display and reverse mode enhance the ride quality
    • Offers convenient charging using a standard 5A socket
    • Handling is good, making it easier to manoeuvre through different routes, especially in city traffic
    • Has solid build quality

    Cons:

    • Some users report technical issues that tend to affect the quality of the ride, especially for the longer commutes
    • Underseat storage space is limited
    • The rear suspension is firmer and quite uncomfortable, especially on bumpy roads
    • The acceleration and top speed might be inadequate for riders who prioritise higher performance
    • Has only one battery capacity; hence, users lack options
    • Lacks essential features like the ABS
  • Why long-term two-wheeler insurance is a smart move?

    by Tanmay Ahuja | Sep 08, 2025

    Renewing two-wheeler insurance every year can be tedious and easy to miss. Long-term insurance offers a smarter alternative. It is designed for convenience and savings, often locking in your coverage for 2-3 years. This helps you avoid annual premium hikes and last-minute renewals.

    Whether you ride daily or occasionally, long term bike insurance ensures you stay protected without interruptions. Let’s dive deeper and find the exclusive benefits of having a long-term two-wheeler insurance policy.

    What is long-term bike insurance?

    Long-term bike insurance refers to a policy that offers coverage for two-wheelers for 2-3 years, mainly for the own-damage or comprehensive component. In the case of new bikes, IRDAI mandates a 5-year third-party insurance, which can be bundled with 1-3 years of own-damage cover.

    Why should you get long-term bike insurance?

    The benefits of having a long-term two-wheeler insurance are:

    • No yearly renewals: When you hold a long-term bike insurance policy, it lets you eliminate the hassle of annual renewals, late penalties and potential lapses due to forgetfulness.
    • Cost-effective: As you lock in your premium for multiple years, it protects you from annual rate hikes often introduced by IRDAI.
    • Protects from Policy Lapses: When you forget to renew your insurance, it often leads to unintentional lapses. It leaves you unprotected and liable. However, opting for long-term insurance ensures uninterrupted coverage, eventually reducing legal and financial risks.
    • Multi-year discounts: Many insurance companies often offer attractive discounts to encourage users to buy their multi-year policies. This reduces your total premium cost. These discounts make long-term plans more economical compared to yearly renewals.
    • Continuous coverage: Having a long-term two wheeler insurance gives continuous protection to your bike without worrying about gaps in coverage. So, you do not need to worry whether it's theft, natural disasters or third-party liabilities.
    • Simplified documentation: You need to be involved with fewer renewals, less paperwork and fewer compliance steps. This is what makes the process smoother for both the insurer and the policyholder over the years.
    • Ideal for new bikes: A long-term plan is even more beneficial when you buy a new bike. It gives you an extended peace of mind and protection from day one, helping you cover major risks during the initial years of ownership.

    Who can purchase long-term bike insurance?

    A long term two wheeler insurance online suits a wide range of individuals. For new bike owners, IRDAI mandates a 5-year third-party insurance policy at the time of purchase. Many choose to bundle this with a 1-3 year own-damage or comprehensive cover for broader protection.

    Long-term insurance is also ideal for busy individuals who may forget annual renewal dates or prefer fewer administrative tasks. Those living in remote areas or who travel often can benefit from uninterrupted multi-year coverage without relying on regular access to insurance services.

    It's also a smart financial move for cost-conscious buyers, as it protects against yearly premium hikes and may come with multi-year discounts. For senior citizens, managing annual renewals can be inconvenient, so a long-term plan offers a simpler, worry-free experience.

    Conclusion

    A long term two wheeler package policy is not just about saving money. It offers a well-rounded solution for sustained protection and peace of mind. With fewer chances of policy lapse, it ensures continuous legal and financial coverage, which is crucial in the event of accidents, theft or natural calamities.

    Multi-year policies also shield you from annual premium hikes, provide better retention of No Claim Bonus (NCB), and often come with insurer-specific discounts or perks. For busy professionals, daily commuters or even occasional riders, it reduces administrative hassle by eliminating yearly renewals and paperwork. In the long run, it enhances not just convenience but also your vehicle’s overall risk management and compliance, keeping you confidently road-ready at all times.


    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.

  • Key differences between Suzuki Access 125 and Activa 6G

    by Tanmay Ahuja | Sep 08, 2025

    Suzuki Access 125 and Honda Activa 6G are famous bike choices with different performance capacities that cater to diverse user needs. Suzuki Access 125 offers riders a wider range of features with a more powerful engine and higher acceleration. On the other hand, Activa 6G is famous for its smooth ride and better fuel efficiency.

    If you are confused between buying a Suzuki Access 125 or a Honda Activa 6G, it helps to evaluate which scooter is best for your needs, preferences, budget and riding style and experience. This is possible by comparing the two models based on their features, price, mileage, colours and other specs.

    Feature comparison

    The table below includes specifications and feature comparison between Access 125 vs. Activa 6G:

    Key Highlights

    Suzuki Access 125

    Honda Activa 6G

    Ex-showroom price

     Rs. 83,800 - 1.02 Lakh (approximately)

     Rs. 81,045 - 95,567 (approximately)

    Displacement

    124 cc

    109.51 cc

    Overall mileage

    45 kmpl

    59.5 kmpl

    Top speed

    90 kmph

    80 kmph

    Engine type

    4-stroke, 1 cylinder, air cooled

    4-stroke, SI engine

    Max. power

    8.42 PS @ 6500 rpm

    7.99 PS @ 8000 rpm

    Torque

    10.2 Nm

    9.05 Nm

    Cooling system

    Air cooled

    Air cooled

    Underseat storage

    21.8 L

    18 L

    Kerb weight

    103 kg (approximately)

    106 kg (approximately)

    Start type

    Kick and self-start

    Kick and self-start

    Colours

    Has 6 colours - Metallic Mat Black No 2 YKV, Pearl Grace White Q1S, Pearl Mat Aqua Silver Q2D, Metallic Mat Stellar Blue YUA, Solid Ice Green QZA, Pearl Shiny Beige YLB

    Has 6 colours - Pearl Igneous Black, Pearl Precious White, Mat Axis Gray Metallic, Decent Blue Metallic, Rebel Red Metallic, Pearl Siren Blue.

    Suzuki Access 125 - pros and cons

    Pros:

    • Has a stylish and modern design, with updated features that appeal to many
    • It is fuel-efficient, hence reliable for daily commuting
    • The scooter is lightweight and easier to handle on the road
    • Has great colour options to choose from
    • Great for city rides with a cosy cushion seat and comfortable seating posture
    • Good seating space is favourable for family rides
    • It comes with low maintenance
    • Good pickup speed
    • Powerful engine with quiet rides

    Cons:

    • The mileage is relatively low.
    • Stiff suspension that can feel harsh, especially for new riders
    • A low-intensity headlight that can be inadequate in low-lit areas, or during night riding
    • The footboard is a bit higher and may feel uncomfortable to some riders.

    Activa 6G - pros and cons

    Based on user experience, here are the pros and cons of the Honda Activa 6G:

    Pros:

    • The activa 6G offers a stylish upgrade over the standard model with sleek new colours and chrome accents that give the scooter a premium look
    • The engine is good and reliable
    • It offers good acceleration and responsive braking, which makes it a reliable scooter for daily commutes
    • Has excellent mileage at 59 kmpl
    • The engine is super smooth and feels a lot more refined and fuel-efficient than earlier versions.
    • The bike is low on maintenance and easy to handle
    • Features like silent start and telescopic suspension make every ride feel premium

    Cons:

    • The Activa 6G tends to face overheating issues, especially when going for longer rides in warmer weather
    • Some users report sluggish performance, and the bike may struggle at higher speeds
    • The metal body panels can generate noise and vibration at certain speeds
    • Some users state issues of premature wear and tear of some parts.

    Why should you buy two-wheeler insurance for your scooter?

    Two-wheelers are a reliable mode of transport; however, they are also risky and prone to accidents. Hence, you need a financial backup. Buying the best two-wheeler insurance for your scooter ensures that damage and losses that may result from an accident, natural or man-made calamities, or theft, are covered and will not create a financial constraint.

    Conclusion

    Suzuki Access 125 boasts a larger engine, produces more power, and is considered to offer a faster ride at higher speeds. On the other hand, Activa 6G is more fuel efficient with better mileage and good acceleration. Ultimately, the best bike choice depends on individual needs, budget and preferences. Try taking both scooters for a test ride to determine which suits you best.

    Most importantly, remember to have comprehensive bike insurance to secure your bike from unforeseen road events.

    FAQs

    Which scooter is better between the Suzuki Access 125 and the Honda Activa 6G?

    You can opt for Access 125 if you prioritise a powerful engine, disc brakes, a front storage box, stylish and modern design and comfortable seating. Go for Activa 6G if you seek a refined engine, longer seat, better ground clearance, a silent start system and low maintenance.

    What is the on-road price for the Suzuki Access 125?

    The on-road price for the Suzuki Access 125 is approximately Rs. 1,01,430 in New Delhi.

    What is the on-road price for the Honda Activa 6G?

    The on-road price for the Honda Activa is approximately Rs. 96,789 in New Delhi.


    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.

  • Understanding Bike Insurance Types: Comprehensive vs Own Damage

    by Tanmay Ahuja | Sep 05, 2025

    Understanding the differences between types of two-wheeler insurance can help you make the right choice based on your needs and budget. Among the available options, comprehensive and own damage insurance are two key types. A comprehensive plan covers damage, theft and third-party liabilities, while own damage insurance only covers the insured bike and excludes third-party coverage.

    This article explains what a bike insurance policy is and provides a detailed comparison between comprehensive and own damage insurance.

    What is a bike insurance policy?

    A bike insurance policy is a contract between the bike owner and an insurer, covering loss or damage due to accidents, natural disasters (like floods or earthquakes) or man-made events (such as fire or vandalism). It helps protect against financial and legal liabilities arising from such incidents. In fact, under the 2002 Indian Motor Tariff, it is mandatory for all bike owners to have at least third-party insurance.

    The type of insurance you choose determines the level of coverage. Selecting the right two-wheeler insurance based on your needs and budget is essential.

    What is own-damage bike insurance?

    Own damage (OD) bike insurance covers loss or damage to your insured two-wheeler due to accidents, theft, natural disasters or man-made incidents. However, it does not include third-party liability, so it's often purchased alongside a third-party plan for complete coverage.

    Benefits of own-damage bike insurance

    Own damage bike insurance offers flexibility and customisation, allowing you to enhance coverage by choosing relevant add-ons. This enables you to tailor the policy to your specific needs and ensure better protection for your two-wheeler.

    What is comprehensive bike insurance?

    Comprehensive bike insurance offers all-round protection by covering both own damage and third-party liabilities. It includes losses due to accidents, theft, natural disasters and man-made events.

    This policy provides extensive coverage while also protecting you from legal liabilities if you injure someone or damage third-party property.

    Benefits of comprehensive bike insurance

    Comprehensive bike insurance offers wide-ranging coverage, protecting against accidents, theft and damage from natural or man-made calamities. It covers both own damage and third-party liabilities, making it a complete protection plan. Policyholders can benefit from a No Claim Bonus (NCB) of up to 50% on renewal premiums if no claims are made during the policy term.

    It also helps reduce repair costs, as most expenses are covered with only a small deductible. Additionally, the policy is applicable to all types of two-wheelers, including motorbikes, scooters, mopeds and electric bikes.

    Differences between comprehensive and own damage bike insurance

    The main difference between comprehensive vs own damage insurance is the coverage they offer. Here are the main differences:

    Comparison

    Comprehensive bike insurance

    Stand alone bike insurance

    Inclusion

    It is an all-inclusive bike insurance plan. It covers your two-wheeler against potential damages and losses, and also offers third-party liability coverage.

    The OD insurance covers your bike against damages, losses, theft, etc. However, it does not include third-party liability coverage.

    Premium

    The premium is higher than that of Standalone OD insurance.

    The premium is lower than the comprehensive package.

    Third-party injury or death

    Comprehensive bike insurance offers coverage against third-party injury or death

    Standalone OD does not cover injury or death that occurs to a third party.

    Which insurance should you choose?

    The type of bike insurance you choose should depend on your usage, the age of your vehicle and the level of protection you need. Comprehensive insurance is ideal for those seeking wider coverage, especially for newer bikes or regular riders.

    On the other hand, if you already have third-party insurance and want to protect your own vehicle from damage or theft, opting for your own damage cover can be a practical and budget-friendly option.

    Conclusion

    Both comprehensive and own damage bike insurance have their own benefits and the right choice depends on your specific needs. A comprehensive policy offers complete financial protection by covering both your bike and third-party liabilities, making it a convenient all-in-one solution. If you already have an active third-party policy, adding your own damage insurance separately can be a more cost-effective way to protect your vehicle while keeping premiums lower.

    FAQs

    • What is zero depreciation for bike insurance?

    Zero Depreciation (Zero Dep) or bumper-to-bumper, or nil depreciation for bike insurance, is an add-on cover that gives a full claim amount with no deduction for depreciation. It's available with comprehensive or own-damage two-wheeler insurance covers.

    • How do you choose the best bike insurance?

    To choose the best bike insurance, ensure you assess your coverage needs, understand Insurance Declared Value (IDV) and find a reputed insurer.

    • How can I lower my bike insurance?

    Generally, you can lower your bike insurance by reducing your annual mileage. Often, the fewer miles you ride, the cheaper your bike insurance can be. That's mainly because you're on the road fewer times, hence considered a lower insurance risk.


    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.

  • Dry or Wet Clutch? A Complete Guide for Motorcycle Owners

    by Tanmay Ahuja | Sep 03, 2025

    Some bikes sound smoother, while others feel raw and aggressive. A key reason lies in the type of clutch they use: wet or dry. It may sound technical, but it plays a key role in how your bike performs and feels on the road. Learning about wet clutch vs dry clutch can help you choose the right bike, and even avoid surprise repair costs.

    Let’s move and look into how these two clutch types differ from each other to help you make an informed decision.

    What is a wet clutch?

    A wet clutch operates while being immersed in oil. This oil cools the clutch components and helps reduce the risk of wear and tear. Because of its durability, heat management and low maintenance needs, it is commonly used in commuter and touring bikes.

    What is a dry clutch?

    In contrast, a dry clutch operates without any oil for cooling or lubrication. This is what allows for a more direct power transfer and gives a quicker throttle response and a racer feel. However, this often wears out faster, generates more noise and is typically found in high-performance or racing motorcycles.

    Differences between dry and wet clutches

    Wet vs dry clutch? Here are the key differences you must know:

    Factors

    Wet clutch

    Dry clutch

    Lubrication

    Immersed in oil for cooling and lubrication

    Operates without oil; no lubrication

    Heat Dissipation

    Excellent heat management due to oil immersion

    Poor heat dissipation; can overheat quickly

    Wear and Tear

    Slower wear; oil reduces friction between plates

    Faster wear due to direct contact and no lubrication

    Performance Feel

    Smooth engagement; softer response

    Direct power delivery; sharper and sportier feel

    Noise Level

    Quieter operation

    Typically louder due to metal-on-metal contact

    Maintenance Frequency

    Less frequent maintenance

    Requires more regular checks and replacements

    Suitability

    Ideal for city commuting and long rides

    Preferred in racing or high-performance motorcycles

    Durability

    More durable in the long run

    Prone to quicker degradation

    Cooling Requirement

    Cooled by oil

    May require additional cooling mechanisms

    Cost

    Generally cheaper to manufacture and maintain

    Expensive due to design and frequent servicing

    Usage in Bikes

    Common in commuter and touring motorcycles

    Found in superbikes, performance and some high-end European motorcycles

    Advantages of dry clutch

    Dry clutches offer several key advantages. They provide sharper performance with quicker, more direct power transfer, making them ideal for high-performance or racing bikes. Since they don’t require an oil bath, there’s no risk of oil contamination. They are also lighter in weight, contributing to overall bike weight reduction and easier to inspect or replace without the mess of oil.

    Advantages of a wet clutch

    Wet clutches offer several practical advantages. The oil bath keeps components cool, reducing wear and extending the clutch’s lifespan. They ensure smoother, quieter engagement, making them ideal for daily and city use. Continuous lubrication improves heat dissipation, while lower maintenance needs help reduce long-term service costs.

    Does bike insurance cover clutch-related problems?

    Usually, bike insurance policies do not cover clutch-related issues. It is because these are often considered wear-and-tear components. However, a comprehensive bike insurance policy may include this in its coverage if the damage has occurred due to an accident or any other covered situation.

    It is always good to read your policy terms carefully before you finalise an insurance policy.

    Conclusion

    Whether you need a wet or dry clutch, the choice should be based on your riding style. Wet clutches are ideal for urban chaos and long commutes, while dry clutches complement aggressive bikers who crave adventure. But it is important to note that clutch failures can cost a lot if your insurance does not cover wear and tear.

    Despite these limitations, investing in bike insurance is always a smart move, as it provides essential financial protection in case of accidents or unexpected damage.


    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.

  • ILTC Bike Insurance App: Key Features & Benefits

    by Tanmay Ahuja | Sep 03, 2025

    If you own a two-wheeler, insurance is essential for both legal compliance and personal safety. The IL Take Care App (ILTC App) by ICICI Lombard is a bike insurance check app that lets you manage and renew your policy directly from your smartphone. Let’s explore what this app is, its key features and how it can simplify your two-wheeler insurance management.

    What is the IL Take Care app?

    The ILTakeCare (ILTC) App by ICICI Lombard General Insurance is a two wheeler insurance app that allows users to buy, renew and manage policies from their smartphone. Key features include filing and tracking claims, downloading policy documents, receiving renewal reminders and locating cashless garages.

    Health policyholders can also access wellness and health tools. Available on Android and iOS, it enables quick, convenient insurance management anywhere in India.

    Features of the ILTC travel insurance app

    The ILTakeCare app offers a range of features to help users manage their two-wheeler insurance efficiently:

    Insurance management

    • Buy, renew and track ICICI Lombard insurance policies in one place
    • Quick claim registration for health and motor policies
    • Online policy renewal for health, bike and car insurance
    • Cashless network search: Find hospitals or garages near you by location or specialty.
    • InstaSpect: Mobile self-inspection for faster motor claim settlement

    Wellness and fitness

    • Fitness tools: Track workouts, steps, diet and sleep; earn rewards for healthy habits.
    • Get well-thy: Expert guidance on mindfulness, yoga, diet and nutrition
    • Health quotient: Personalised health score and tips via questionnaire

    Health assistance and medical support

    • Teleconsultation: Schedule video/audio sessions with certified doctors
    • 24×7 doctor consultation via IL Hello Doctor feature
    • Emergency assistance: Call an ambulance and find nearby hospitals
    • FaceScan: Measure vitals like heart rate, oxygen level and respiration
    • CalScan: Analyse nutritional content of food

    Knowledge and support

    • IL Drive Smart: Track driving behaviour, get safety tips and earn discounts
    • Chat with expert: Instant responses to insurance and health queries
    • Latest news: Stay updated on insurance developments
    • Motor news and views: Vehicle news, reviews and analysis

    Benefits of the ILTC travel insurance app

    The ICICI Lombard bike insurance app lets two-wheeler owners easily buy, renew and manage their policies while also offering driving insights, wellness tools and rewards for healthy living. It provides faster claim settlement through InstaSpect, 24×7 medical support and nationwide access to cashless hospitals and garages. As an online bike insurance app, it ensures a paperless, hassle-free experience, helping users save time, reduce costs and conveniently handle all insurance needs from their smartphone.

    How does the ILTC travel insurance app work?

    Using the IL Take Care insurance app is simple. Download it from Google Play or the App Store, register with your mobile number or log in with ICICI Lombard credentials and add your bike’s registration number to buy, renew or view insurance.

    From the dashboard, access policy details, claims and support. Select a plan, use the premium calculator and pay digitally. File claims by uploading photos and documents, track progress, download policy copies and receive renewal reminders.

    How to download the ILTC travel insurance app?

    Here are simple ways for ILtakecare app download:

    For Android users:

    • Go to Google Play Store
    • Search for "IL Take Care – ICICI Lombard"
    • Click Install
    • Open the app and register using your mobile number

    For iOS users (Apple iPhone):

    • Open the App Store
    • Search "IL Take Care"
    • Tap Get to download
    • Launch the app and follow the registration steps

    How to renew travel insurance with the ILTC app?

    Renewing your two-wheeler insurance with the ILTC App takes just a few minutes. Go to ILTakeCare login, go to the dashboard, select bike insurance and enter your registration number. Choose the renewal option, pick your preferred plan (own damage, comprehensive or third-party), review the premium and make payment through UPI, card or net banking. Once done, download your renewed policy instantly.

    Conclusion

    The IL Take Care bike insurance app is a great tool for two-wheeler owners in India. It brings ease, speed and comfort to the process of buying, renewing and managing your bike insurance. With its user-friendly design and useful features, you can now handle your policy anytime and from anywhere.

    FAQs

    Is the ILTC app free to use?

    Yes, the ILTC app is completely free to download and use.

    Can I renew insurance for any bike on the app?

    You can renew insurance for any two-wheeler, even if your earlier policy was with another company.

    What if I forget my login details?

    You can very easily reset the password by using your registered mobile number or email ID.

    Can I file a bike insurance claim through the ILTC app?

    Yes, you can easily register and track claims through the app.

    What payment options are available?

    You can pay using UPI, net banking, debit/credit cards and other secure methods.


    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.

  • Suzuki Access 125 vs TVS Jupiter 125: Feature & Insurance Comparison

    by Tanmay Ahuja | Sep 01, 2025

    Two names pop up while looking for a scooter in India. They are the Suzuki Access 125 and TVS Jupiter. Both of these scooters are solid choices. They are fuel-efficient, comfortable, easy to ride and reliable in the long run.

    Read on to check out what makes each scooter click and explore why two wheeler insurance should be part of your purchase plan.

    Feature comparison

    First of all, let us take a quick look at how these two scooters stack up side by side:

    Feature

    Suzuki Access 125

    TVS Jupiter 125

    Bluetooth connectivity

    Available in select variants

    Not available

    USB charging port

    Yes

    Yes

    External fuel filler

    No

    Under the seat and very convenient

    Instrument cluster

    Analog with optional digital screen 

    Semi-digital LCD with fuel economy info

    Eco Assist Indicator

    Yes

    No

    Side-stand engine cut-off

    Yes

    Yes

    Underseat storage capacity

    Average (around 24 litre)

    Large (32L, segment-leading)

    Multi-function key

    Basic combo lock, but no multi-function key

    Yes (fuel tank, seat and ignition operation)

    Silent start system

    Yes (in some variants)

    Yes

    LED headlamp

    Yes (in higher trims)

    Yes

    Ride modes/economy indicator

    No

    Yes (eco/power mode display)

    Suzuki Access 125 - Pros and cons

    The Suzuki Access 125 has built a strong reputation for being reliable, efficient and easy to handle. Here is a concise look at its key advantages and drawbacks based on real-world performance and equipment

    • Pros:

    The Suzuki Access 125 features a refined 124cc engine that delivers around 8.4 PS and 10 Nm of torque, offering smooth and responsive performance ideal for daily commutes. It delivers a practical fuel economy of around 48 km/l, making it economical for frequent riders.

    Weighing about 106 kg, the scooter is light and easy to manoeuvre in traffic, making it suitable for beginners and shorter riders. Its suspension system handles most urban roads comfortably, ensuring a stable and fatigue-free ride. Higher variants come equipped with practical features like Bluetooth, Eco Assist and a USB charger, enhancing functionality without being overly flashy.

    • Cons:

    The Access 125 lacks an external fuel filler, which makes refuelling less convenient, especially when carrying luggage or riding with a pillion. Its analogue-digital instrument console feels outdated and doesn’t offer modern features like real-time mileage or ride stats.

    Underseat storage is limited, struggling to fit full-face helmets or larger bags, unlike rivals with 30-litre capacities. While the suspension performs well on typical city roads, it tends to feel stiff over potholes or uneven surfaces.

    TVS Jupiter - Pros and cons

    The TVS Jupiter is designed with everyday practicality in mind, especially for riders who prioritise comfort, convenience and utility. Let us understand its advantages and limitations:

    • Pros:

    The TVS Jupiter’s underfloor fuel tank improves weight distribution, resulting in better stability and handling, especially with a pillion. It offers a generous 32-litre underseat storage area that can comfortably hold daily items or a half-face helmet.

    The seat is wide and well-padded, ensuring comfort for both rider and passenger on longer urban trips. The external fuel filler at the rear enhances convenience, allowing for quick refuelling without opening the seat. The suspension system delivers a composed and smooth ride even on rough city patches, making it ideal for everyday use.

    • Cons:

    Despite its practicality, the Jupiter lacks smart connectivity features like Bluetooth or smartphone integration, which are now common in this segment. Riders may notice vibrations on the floorboard and handlebars at mid to high speeds, affecting overall ride smoothness.

    Its semi-digital console, though functional, feels dated and omits useful data like fuel efficiency or detailed trip metrics, which can be found in competing models.

    Why should you buy two wheeler insurance for your scooter?

    Getting insurance for your scooter is essential to protect against unexpected financial losses. It is legally mandatory under the Motor Vehicles Act, 1988 and riding without it can lead to a ₹2000 fine or even jail for repeat offences.

    A third-party policy covers liabilities if you injure someone or damage their property in an accident. Comprehensive bike insurance goes further; it helps cover repair costs from accidents, protects you against theft by reimbursing the scooter’s current market value (IDV) and offers coverage for damage caused by natural disasters like floods or earthquakes, as well as man-made events like riots.

    Conclusion

    If you have made it this far, you probably already know there is no clear winner. The Suzuki Access 125 offers a more refined ride with better mileage, while the TVS Jupiter 125 focuses on comfort, space and convenience. It comes down to what you need from your scooter daily. Just make sure that your scooter is insured, whichever one you end up riding home with.

    FAQs

    • Is the Suzuki Access 125 good for daily use?

    Yes, the Suzuki Access 125 offers great mileage and smooth performance.

    • Why is the TVS Jupiter considered a family scooter?

    The TVS Jupiter is known for its spacious seat, large underseat storage and easy ride.

    • Which is better in 2025: Suzuki Access 125 vs TVS Jupiter?

    The choice between Suzuki Access 125 vs TVS Jupiter depends on your priority. Access is better for mileage, whereas Jupiter offers more comfort.


    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.

  • GST on two-wheeler insurance: What every rider should know

    by Tanmay Ahuja | Aug 29, 2025

    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.

  • Suzuki Access 125 vs Honda Activa 125: Key Differences

    by Tanmay Ahuja | Aug 27, 2025

    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:

    Feature

    Suzuki Access 125

    Honda Activa 125

    Bluetooth Connectivity

    No

    Yes

    Navigation

    No

    Yes

    Call/SMS Alerts

    No

    Yes

    Real-time Mileage Display

    No

    Yes

    Digital Instrument Cluster

    Yes

    Yes

    External Fuel Filler Cap

    No

    Yes

    USB Charging Port

    In select variants

    No

    Under-seat Storage Capacity

    21.8 litres

    18 litres

    Boot Light

    No

    No

    Side Stand Engine Cut-off

    On Bluetooth-enabled variant

    Yes

    Engine Kill Switch

    Yes

    Yes

    Silent Start (ACG Starter)

    No

    Yes

    Idle Start-Stop System

    No

    Yes

    Combi Brake System (CBS)

    Yes

    Yes

    Eco Assist Indicator

    Yes

    Yes

    LED Headlamp

    Yes

    Yes

    Service Reminder Indicator

    Yes

    Yes

    Alloy Wheels 

    In select variants

    In select variants

    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.



  • How to Claim Bike Theft Insurance

    by Tanmay Ahuja | Aug 26, 2025

    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.

  • ABS Light On Car: Meaning, Causes and Fixes

    by Tanmay Ahuja | Aug 25, 2025

    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.

  • Why is My Motorcycle Leaking Oil and How to Fix It

    by Tanmay Ahuja | Aug 24, 2025

    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:

    Part

    Symptom

    Oil pan gasket

    Puddle under the bike’s centre

    Valve cover gasket

    Burning smell or oil on top of the engine

    Timing chain cover

    Oil on radiator

    Gear box

    Leaks from the gear shaft or clutch

    Kick starter and gear level seals

    Oil near the sprocket or crankshaft

    Oil filter

    Oil near the filter

    Cylinder head gasket

    Leaks at the engine block, smoke

    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.

  • How Bike Engine Works: Step-by-Step Guide

    by Tanmay Ahuja | Aug 24, 2025

    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.

  • Dual Channel ABS in Bikes: How It Works and Benefits

    by Tanmay Ahuja | Aug 23, 2025

    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.

  • Single Channel ABS in Bikes: Working,

    by Tanmay Ahuja | Aug 23, 2025

    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.

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