When it comes to bikes, there is nothing quite like the thrill of hitting the open road with the wind in your hair and the engine revving beneath you. But have you ever stopped to wonder what gives your bike that extra kick of power? The answer lies in your bike's engine CC. Let’s delve a bit deeper into understanding bike cc meaning.

CC is a measurement that determines how much air and fuel your bike’s engine can compress in a single stroke. In other wordzs, it is what makes your bike’s heart beat faster and harder. Let's delve deeper into the concept of bike CC!

What is the Meaning of CC in a Bike’s Engine?

In the context of engines, CC full form in bike means “cubic centimetre” or “cubic capacity.” The meaning of cubic capacity is a unit of measurement used to express the engine’s displacement. During one complete cycle of operation, the engine displacement refers to the total volume of air and fuel mixture that the engine’s cylinders can sweep through.

To calculate the displacement of an engine, one multiplies the cross-sectional area of the cylinder bore by the distance the piston travels during each stroke. For example, if a cylinder has a bore of 50 mm and a stroke of 60 mm, the displacement of that cylinder would be:

Displacement = (pi/4) x (50 mm) ^2 x 60 mm = 471 cc

In a multi-cylinder engine, the total displacement is the sum of the individual cylinder displacements. For example, a four-cylinder engine with a displacement of 471 cc per cylinder would have a total engine displacement of:

Total displacement = 4 x 471 cc = 1884 cc

The displacement of an engine is a vital factor in determining its power output, with larger engines generally producing more power than smaller ones. However, other factors such as compression ratio, valve timing, and fuel delivery also play a role in determining the engine’s power and efficiency.

How Does CC Impact Bike Insurance Premium?

The Insurance Regulatory Development Authority of India (IRDAI), the country’s insurance industry regulator, and insurance providers jointly decide on vehicle insurance pricing. The former sets forth the premium for third-party liability coverage and guidelines that insurance companies must adhere to when calculating the cost of own-damage coverage.

The IRDAI considers the vehicle’s engine displacement size when determining third-party insurance. That indicates the third-party premium for two identical vehicles with similar cubic capacities will be the same. The table displaying the cost of third-party insurance for various displacement sizes is detailed below.

As per the revised rule, owners of new vehicles must purchase a multi-year policy. Another thing to keep in mind here is that premium increases with displacement size because higher displacement size engines tend to have higher horsepower and torque, which can lead to more aggressive driving behaviour, increasing the likelihood of accidents. 

Indian bike market provides several options to seasoned and amateur riders. If you plan to buy a two-wheeler, understanding the different types and their features will help you choose a good one that matches your needs and personal taste. This article will look at the different types of bikes on Indian roads and underline the importance of bike insurance for a tension-free ride. Ultimately, we aim to assist you in making a decision that aligns with your best interests.

Types of Bikes in India

Based on design, utility, and performance, bikes in India can be categorised into the following types-

• Motorcycles without Gear

These motorcycles are designed for easy riding, making them a good choice for beginners. These are lightweight and have automatic transmission, ideal for urban landscapes. Popular examples are the TVS XL100 and Honda Navi.

Advantages

• Easy to ride
• Low maintenance
• Affordable

• Street Bikes

These are the most common types of motorcycles on Indian roads. They are ideal for daily commutes and offer a blend of mileage and performance. They run smoothly on the road and sidewalks and are popular with bike enthusiasts. Honda Splendour and Bajaj Pulsar are the top street bikes in India.

Advantages

• Fuel efficiency
• Comfortable for medium-distance rides
• Budget-friendly

• Sports Bikes

Sports bikes are premium motorcycles with speed, style, and performance that suit adventurous rides. These are lighter in weight and packed with modern technology. They have high-performance, four-stroke, liquid-cooled engines. Some popular sports bikes in India are the Hero Xpulse 200 and Kawasaki Ninja.

Advantages-

• High-speed
• Superior handling
• Sleek and stylish make

• Dirt Bikes

These bikes are specially made for off-roading and uneven landscapes. Knobby tires, lightweight structure, and better ground clearance make them popular for adventure bikers. Made with plastic, these bikes are also used for races and exploration. Kawasaki KLX 140G and Suzuki RM-Z250 are examples of dirt bikes available in the Indian market.

Advantages-

• Amazing off-roading experience
• Durable construction
• Suitable for exploration of trails and uneven regions

• Cruiser Bikes

These are known for superior comfort and style. The relaxed seating position, wide set handles, and powerful engine make cruiser bikes ideal for long rides. Also known as beach cruisers, these two-wheelers became fashionable in the 1930s-50s, when they were used for leisurely rides along sea beaches. These continue to be popular among riders. Some common cruiser bikes in India are the Royal Enfield Classic 350 and Harley Davidson Street 750.

Advantages-

• Powerful performance
• Stylish make
• Comfortable for long rides

• Touring Bikes

These two-wheelers are exclusively designed for long rides. They are packed with larger fuel tanks, space for luggage, and windshields to protect the rider. With a balance of endurance and comfort, these bikes are loved by adventurers who love to take the roads less travelled. The Royal Enfield Himalayan and Bajaj Dominar 400 are popular touring bikes among Indian bikers.

Advantages-

• Balance of performance and comfort
• Perfect for navigating highways and remote areas
• Advanced features for touring

• Scooters

These two-wheelers are one of the most popular bikes in India. Affordable, easy to ride, and convenient for all ages, scooters come with automatic transmission, ample leg space, and comfortable seats, all within an affordable price range. Honda Activa, TVS Jupiter, and Suzuki Access 125 are some of the most common scooters among Indian buyers.

Advantages-

• Easy to learn and ride
• Ample storage space
• Affordable price and fuel-efficient performance

Why Buy Bike Insurance Online?

The benefits of buying bike insurance online are listed below:

• Compared to going to the dealer, purchasing bike insurance online and renewing it on time saves significant time and effort.
• Online bike insurance is also cost-effective, as one can take advantage of various discounts and offers.
• The online bike insurance purchase process is also far more transparent as compared to showroom bike insurance, as one can check the reviews and feedback of existing customers.
• The online claim settlement process is also efficient and swifter, making it easy to file claims and keep track of their status.
• The online renewal process is also easy and gets done with a few clicks.
• Dealers provide “bundled” bike insurance policies. Purchasing it online allows customers to choose a policy that best meets their requirements.
• As no intermediaries are involved when you make a purchase online, you are free to filter features according to your needs. This eliminates the possibility of the preference of any insurance agent. Hence, you are in a position to make a selection based on the policy’s features rather than the opinion or recommendation of an individual.

To sum up, buying bike insurance online offers numerous benefits, such as cost-effectiveness, transparency, convenience, and faster claim settlement. It is indeed a more convenient and financially rewarding way of purchasing a bike insurance policy as compared to purchasing it from dealers.

FAQs

1. What is the most popular bike in India?

Commuter bikes, due to their affordability and performance, are the most popular type among  Indian riders.

2. -Which is the number 1 bike in India?

Hero Splendour is voted the number 1 bike in India, preferred by most buyers for its fuel efficiency and durability.

3. What is the most fuel-efficient bike in India?

Hero Splendour Plus and Bajaj Platina 110 are popular for their superb mileage, perfect for cost-conscious buyers.

3. Are dirt bikes legal on Indian roads?

Dirt bikes are not allowed on Indian roads as they do not come with proper safety equipment such as headlights, mirrors, and brake lights and are thus considered “non-street” bikes.

4. Is scooty safer than a bike?

Due to better stability and comfort, scooty may be preferred over bikes. However, overall safety depends on the rider's skills and ability to follow road rules.

5. Are bigger bikes safer?

Bigger motorcycles offer stability at higher speeds but can be difficult to control for beginners, making them prone to accidents.

Conclusion

India has a diverse bike market that caters to the needs and tastes of its varied consumer base. From dirt bikes to everyday commuter bikes, the choices are unending. Thus, it is important to know about the different options to make an informed decision. Whichever model you buy, it is essential to obtain bike insurance to protect your cherished two-wheeler. Having understood the selections available in the market, you are all set to buy the perfect bike yourself. Happy riding!

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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. 

Picture this; You are cruising down the open road on your beloved motorcycle, feeling the wind in your hair and the sun on your face. As you navigate the twists and turns of the scenic route, you feel confident knowing you have insurance coverage to protect you in case of an accident. But what if that coverage is not as secure as you think? Yes, you read that right. Failure to follow some basic rules and regulations could result in rejected claims, leaving you stranded without coverage. So, buckle up (or should we say helmet on) and get ready to explore the essential things you need to keep in mind to ensure your bike insurance remains valid.

Things That Can Make Your Bike Insurance Void

Motorbike insurance should be purchased at the same time as a motorcycle to offer financial security in the event of an accident. However, several elements might result in a rejected claim. This may be the case when another person is riding your bike and causing you harm or if your vehicle gets damaged due to overspeeding. If the owner is involved in an accident, the insurer will pay to fix it, but if you lease or lend your two-wheeler, the borrower will be responsible for the costs. Motorcycle insurance does not account for depreciation due to normal use, maintenance, or repairs. The insurer will not compensate you if you lose the keys to your motorcycle or leave them on the bike, which then gets stolen.

Two-wheeler insurance does not provide coverage for mechanical or electrical breakdowns. The insurer will provide no compensation if an unauthorised rider or a minor who does not possess a valid license causes an accident. In addition, your insurance company will not pay for anything that goes wrong while you're riding drunk or under the influence of illegal substances. The insurance provider will reject your claim if you suffer any injury or there is damage to your two-wheeler that results from not wearing a helmet. Natural catastrophes and man-made disasters like riots and wars are not covered if they cause damage to the bike.

Some factors that could make your two-wheeler insurance policy null and void are:

1. Bike Modifications

Companies categorise bike modifications into two types: cosmetic and performance-enhancing. Cosmetic alterations may include

• changes to the paint job, graphics, or accessories like a windscreen or saddlebags
• external fittings like a luggage carrier
• performance-enhancing modifications may include alterations to the engine, suspension, or exhaust system.

If you fail to declare these modifications to your insurance company, your policy stands void. Additionally, if you install a larger engine or modify the exhaust system, your bike may become louder and attract unwanted attention from law enforcement while making the insurance cover invalid. Always check with your insurer about modified bike insurance rules.

Certain insurance companies may assess the price for motorcycle upgrades depending on the policy. Remember that any changes you make to your bike, no matter how modest, will likely result in a higher premium. Your insurer may refuse to pay claims or even terminate coverage if you do not inform the insurance provider of the modifications. However, if an insured person with a disability chooses to use a two-wheeler and makes special adjustments to the vehicle, the insurance company will not increase the premium. The insurer offers further discounts on the premium in such cases.

2. False Claims

Insurance companies rely on accurate information to assess risks and determine appropriate coverage and premiums. False information can lead to fraud charges and legal consequences, damage the trust between you and your insurer, and result in the denial of your claim and cancellation of your policy.

3. Fleeing the Site of the Accident

When you are involved in an accident, the law clearly states that you must stop and exchange information with the other parties involved. Failure to do so is considered a hit-and-run and is a criminal offence. Insurance companies consider hit-and-run incidents to be intentional acts and may deny your claim as a result. Additionally, leaving the scene of an accident can make it more difficult for your insurance company to properly investigate the incident and assess liability, further jeopardising your coverage.

Riding a motorbike can be a thrilling experience, but it also comes with its share of inherent risks. No matter how skilled and careful a rider you are, accidents can happen, and the consequences can be devastating. That is why it is essential to have the right insurance coverage in place to protect yourself and your loved ones from financial hardship in the event of an accident. Personal accident coverage is one type of coverage you may encounter when shopping for bike insurance. But what is it, and why may you require it?

Without giving too much away about the specifics of personal accident cover, it is worth noting that accidents can have a wide range of consequences beyond just physical injury. They can impact our ability to work, our mental health, and our relationships. Personal accident coverage helps mitigate some of these impacts by providing financial support when we need it most.

Initially, the Motor Vehicles Act required bike owners to have at least third-party insurance to ride legally on the road. However, due to the number of road accidents, the Insurance Regulatory and Development Authority of India (IRDAI) later made personal accident insurance mandatory as well.

What is a personal accident cover?

A personal accident (PA) cover is a vehicle insurance add-on that offers financial protection to the owner-driver of a two-wheeler in case of an accident. It provides compensation for medical expenses, temporary or permanent disabilities, and even death caused by an accident while riding the insured vehicle.

Key features of a PA cover:

• Coverage for disabilities: Offers financial aid in case of partial or total disability due to an accident.
• Death benefits: Provides a lump sum amount to the nominee or family in case of the insured’s untimely death.
• Flexibility: PA cover can be purchased separately if not included in the base insurance policy.

What is the importance of personal accident cover?

The importance of a PA cover cannot be overstated, especially for two-wheeler riders who are more vulnerable to road accidents. Here is why it is crucial:

1. Mandatory as per law: As per the Indian Motor Vehicles Act, a PA cover is compulsory for all vehicles, including two-wheelers.
2. Financial protection: Accidents often come with hefty medical bills. PA cover ensures that you or your family does not face financial hardship during such times.
3. Disability compensation: In case of partial or total disability, the cover provides monetary compensation to help you cope with lifestyle changes or loss of income.
4. Peace of mind: Knowing that you are covered against unforeseen circumstances allows you to ride with confidence.

How to buy a personal accident cover in bike insurance?

Getting a PA cover is straightforward and can be done in multiple ways:

1. With comprehensive insurance: Many comprehensive two-wheeler insurance policies already include a PA cover as part of the package.
2. Standalone PA cover: If your existing insurance policy does not include a PA cover, you can purchase it separately from any insurance provider.
3. Online purchase: Most insurance providers offer the option to buy or add a PA cover online through their website or mobile app.

Steps to buy a PA cover online:

1. Visit your insurance provider’s website or app.
2. Enter your bike details and select your existing insurance policy.
3. Choose the PA cover add-on or standalone option.
4. Make the payment, and the updated policy will be issued immediately.

What is covered in personal accident cover in bike insurance?

As per the rule, you need a personal accident cover of Rs 15,00,000 to ride penalty-free. Here is what the PA rider covers.

• Accidental death: If the insured passes away unexpectedly in a road accident, the insurance company will provide the full sum insured to the nominated beneficiary.
• Disability: In the event of disability, the compensation will be in the following percentage.  

What is not covered in personal accident cover in bike insurance?

While a PA cover is comprehensive, it does have certain exclusions. Here is what it does not cover:

1. Drunk driving: Accidents caused under the influence of alcohol or drugs are not covered.
2. Unlicenced driving: If the insured does not have a valid driver’s licence at the time of the accident, the claim will be rejected.
3. Suicidal attempts: Self-inflicted injuries or suicide attempts are not included.
4. Racing or speed trials: Damages caused during illegal activities such as racing are not covered.
5. Non-accidental death: Natural causes of death, such as illnesses or old age, are excluded.

How to claim PA cover in bike insurance?

Filing a claim under the PA cover is a systematic process. Here is a step-by-step guide:

1. Notify the insurer: Inform your insurance provider immediately after the accident.
2. Collect necessary documents:
• FIR or police report (in case of major accidents).
• Medical records and bills.
• Disability certificate (if applicable).
• Death certificate (in case of accidental death).
3. Submit the claim form: Fill out and submit the claim form and the required documents.
4. Insurer verification: The insurer will verify the claim details through police or hospital records.
5. Claim settlement: Upon approval, the insurer will disburse the claim amount to the insured or the nominee.

FAQs

1. Is personal accident cover mandatory for two-wheeler insurance?
   

   Yes, the Indian Motor Vehicles Act mandates a PA cover for all vehicle owners, including two-wheelers.

2. Can I buy a PA cover separately?
   

   Yes, you can purchase a standalone PA cover if it is not included in your current insurance policy.

3. What is the sum insured under a PA cover?
   

   The standard sum insured is ₹15 lakh, but it may vary based on the insurer and policy terms.

4. How long does it take to settle a PA cover claim?
   

   Claim settlement timelines vary by insurer but generally take 7–15 days, provided all documents are in order.

5. Can passengers be covered under the PA policy?
   

   Yes, some policies allow you to extend PA coverage to pillion riders by paying an additional premium.

6. Do I need to buy separate PA covers if I have two bikes?

No, a single PA cover will provide coverage for both your bikes since it applies to the individual policyholder.

7. Do I need different PA covers for my bike and car?

No, since the PA cover is applicable to the individual, a single personal accident cover purchased for the policyholder will suffice for multiple vehicles. 

Conclusion

A Personal Accident cover in bike insurance is not just a legal mandate—it is a life-saving financial safety net. It offers protection against emergencies and accidents, ensuring that you and your loved ones are financially secure in a difficult situation. From covering medical expenses to providing compensation for disabilities or accidental death, a PA cover is a must-have for every bike owner. By understanding its importance, coverage, and exclusions, as noted in this blog, you can make an informed decision to make the most of your two-wheeler insurance policy.

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

For many people, their cars and bikes are an extension of themselves. They go to extremes to customise their vehicles so that it reflects their personality. Another way people like personalising their cars and bikes is by opting for a fancy bike number plate at the time of vehicle registration at the local RTO.

Usually, RTO randomly assigns the next available registration number to a vehicle during the documentation process. However, if you wish for fancy bike number plates with a particular number of your choice, you can get them (provided the number is not taken by somebody else) by paying a fee. Read on to know what you need to do to have your car or bike feature in the 4-digit fancy number list.

How to get a fancy registration number for your car in India?

You can get a VIP or fancy bike number plate in India by paying a higher fee. However, that is not all. To acquire a fancy registration number, you will have to bid for the same through an e-auction of the VIP car number. Follow the steps given below if you are wondering how to get a fancy number plate for your car or bike in India:

Step 1: Visit the official website of the Ministry of Road Transport and Highways (MoRTH) and register online as a public user.

Step 2: Log into your account and choose an available fancy number.

Step 3: Next, pay the registration fees and reserve the fancy number.

Step 4: The number is kept open for reservation for some time. If within that period more than one person reserves the fancy number, then it is opened for bidding. If not, the number is given to the person who reserved it.

Step 5: If someone else has reserved the number of your choice, then bid for the VIP car number. The number will be given to whoever bids a higher amount for the number.

Step 6: When the result is declared, based on the result you can either pay the balance amount or apply for a refund.

Step 7: If you get the fancy number then for your reference and future use, print the letter of allotment.

Fees and registration charges for car and bike fancy number

The registration charges for a fancy bike number plate or that of a car vary from state to state. The rules of payment and refund are also not the same for every state. For instance, in Delhi, the registration fees for a fancy number for a bike or VIP car number are non-refundable, irrespective of whether you get the fancy number or not. Given below is the reserve charge list for fancy numbers in Delhi.

In India, bike-related mishaps are common. Several factors such as potholes, pedestrian carelessness, and rash driving by vehicle owners contribute to this. If any of these events cause damage to your bike, the garage owner's repair bills will dig into your pockets. However, you do not have to worry about the bills if you have insurance.

Bike insurance claim settlement process in India

Raising a bike insurance claim online is a cakewalk. You just need to inform your insurer about the accident immediately and submit the basic documents. The insurers give you two options—cashless and reimbursement claims. The former offers free-of-cost repairs, whereas; the latter allows you to choose your garage, pay bills and then claim reimbursement.

Cashless claim settlement

Every insurer has partnered with well-known garages in every city. After reviewing the garage's service quality and the mechanics' collective experience, they reach an agreement. When you purchase motor insurance, you are given a list of network garages where you can receive free repairs and services as per the terms of your policy. The insurer settles the bills directly with the garage under a cashless claim. 

Reimbursement claim settlement

Reimbursement claims necessitate that you pay for the repairs out of your pocket. After the damage has been repaired, you must submit an invoice to your insurer. The main advantage of this settlement process is that you do not have to worry if there is no network garage nearby because you can get repairs done at any garage and get bills reimbursed directly to your account.

Documents required for filing a bike insurance claim

There are multiple scenarios in which you may need to file an insurance claim. If your bike is stolen or damaged in an accident, your insurer will provide you with financial support. However, the documentation process for various situations differs greatly. Let's learn about them:

In case of accidental damages

• Active two-wheeler insurance policy document
• Copy of road tax receipt and registration certificate; the insurer may also request the original documents for cross-verification
• Copy of police FIR
• Driving licence of the policyholder/driver on the steering wheel at the time of the road mishap
• Repair estimates prepared by the garage where you intend to have the damage fixed
• Payment receipt or original repairs invoice
• Discharge voucher from the garage with your signature on it

In case of bike theft claims

• Duly filled claim application
• Original registration certificate
• Original bike insurance document
• If you previously had insurance with another motor insurer, provide the complete details of that policy
• Service record book
• Warranty certificate 
• Police FIR's original copy
• Subrogation letter
• Copy of acknowledgment of your request to the RTO to declare your bike as 'Non-Use'
• Duly filled and signed Form No. 28/29/30
• Form 35 and NOC (from a lender) in case of a bike bought on a loan
• Claim discharge voucher having your sign across the revenue stamp
• Your insurer may request a 'Vakalatnama' or other documents as they see fit

In case of third-party claims

• Claim form with your details and signature on it
• Police FIR copy
• Policy document
• Driver's licence of the person driving the car during the incident 
• Car's registration copy
• A stamp is necessary for commercial four-wheelers

In India, bike-related mishaps are common. Several factors such as potholes, pedestrian carelessness, and rash driving by vehicle owners contribute to this. If any of these events cause damage to your bike, the garage owner's repair bills will dig into your pockets. However, you do not have to worry about the bills if you have insurance.

Bike insurance claim settlement process in India

Raising a bike insurance claim online is a cakewalk. You just need to inform your insurer about the accident immediately and submit the basic documents. The insurers give you two options—cashless and reimbursement claims. The former offers free-of-cost repairs, whereas; the latter allows you to choose your garage, pay bills and then claim reimbursement.

Cashless claim settlement

Every insurer has partnered with well-known garages in every city. After reviewing the garage's service quality and the mechanics' collective experience, they reach an agreement. When you purchase motor insurance, you are given a list of network garages where you can receive free repairs and services as per the terms of your policy. The insurer settles the bills directly with the garage under a cashless claim.

Reimbursement claim settlement

Reimbursement claims necessitate that you pay for the repairs out of your pocket. After the damage has been repaired, you must submit an invoice to your insurer. The main advantage of this settlement process is that you do not have to worry if there is no network garage nearby because you can get repairs done at any garage and get bills reimbursed directly to your account.

Documents required for filing a bike insurance claim

There are multiple scenarios in which you may need to claim bike insurance. If your bike is stolen or damaged in an accident, your insurer will provide you with financial support. However, the documentation process for various situations differs greatly. Let's learn about them:

In case of accidental damages

• Active two-wheeler insurance policy document
• Copy of road tax receipt and registration certificate; the insurer may also request the original documents for cross-verification
• Copy of police FIR
• Driving licence of the policyholder/driver on the steering wheel at the time of the road mishap
• Repair estimates prepared by the garage where you intend to have the damage fixed
• Payment receipt or original repairs invoice
• Discharge voucher from the garage with your signature on it

In case of bike theft claims

• Duly filled claim application
• Original registration certificate
• Original bike insurance document
• If you previously had insurance with another motor insurer, provide the complete details of that policy
• Service record book
• Warranty certificate
• Police FIR's original copy
• Subrogation letter
• Copy of acknowledgement of your request to the RTO to declare your bike as 'Non-Use'
• Duly filled and signed Form No. 28/29/30
• Form 35 and NOC (from a lender) in case of a bike bought on a loan
• Claim discharge voucher having your sign across the revenue stamp
• Your insurer may request a 'Vakalatnama' or other documents as they see fit

In case of third-party claims

• Claim form with your details and signature on it
• Police FIR copy
• Policy document
• Driver's licence of the person driving the car during the incident
• Car's registration copy
• A stamp is necessary for commercial four-wheelers

Steps for filing a bike insurance claim

The claim process for own damage and third-party liability differs greatly. Here's how:

The claim process for the third-party bike insurance

• Step 1

As soon as your bike collides with another vehicle, notify your insurer and file an FIR at the nearest police station. If you or your vehicle is hit by a bike, ask the owner of the bike for their insurance information so you can file a claim.

• Step 2

The insurer will verify the essential information before forwarding the claim to the Motor Insurance Claim Tribunal Court. The court will decide whether or not the claim is legitimate.

• Step 3

If the claim is found to be legitimate, the court will determine the amount of compensation. The insurer will then settle it accordingly.

The claim process for the third-party bike insurance

• Step 1

Notify your insurer as soon as the damage occurs. Delays in the notification will result in claim rejection. If the bike is damaged in an accident, an FIR is required.

• Step 2

Your insurer will appoint an inspecting officer. He will be in charge of determining the extent of damage and the nature of loss after which the report will be prepared and sent to the claim department.

• Step 3

The claim department will review the report, and if it is approved, you can have your bike towed to the network garage for repairs.

Common reasons for two wheeler insurance claim rejection

Some of the common reasons why your two wheeler insurance claim could get rejected are-

• Delayed Reporting: Not informing the insurer promptly.
• Incomplete Documentation: Missing or incorrect documents.
• Policy Lapses: Filing a claim after the policy has expired.
• Policy Violations: Using the vehicle for unauthorised purposes.
• Driving Under Influence: Accidents occurring under the influence of alcohol or drugs.

Adhering to policy terms and timely communication can prevent claim rejections.

FAQs

1. What is comprehensive bike insurance?

Comprehensive bike insurance covers third-party liabilities and own damage, including theft, accidents, and natural disasters.

2. How long does it take to settle a two-wheeler insurance claim?

The settlement time varies depending on the type of claim. A cashless claim is usually processed within a few days after the insurer's survey, while a reimbursement claim may take up to a few weeks after document submission and verification.

3. Is an FIR necessary for all two-wheeler insurance claims?

An FIR is mandatory only in cases of theft, third-party injuries, or significant property damage. For minor damage claims, an FIR is generally not required.

4. Can I claim insurance for a minor scratch or dent on my bike?

Yes, you can file a claim for minor damages, but checking your policy details is advisable.

5. What should I do if my two-wheeler insurance claim is rejected?

If your claim is rejected, first check the reason given by the insurer. You can appeal the decision with additional documents or information as needed.

6. Can I raise a claim for two-wheeler insurance online?

Yes, most insurers allow you to file two wheeler insurance online through their websites or mobile apps for quicker processing.

7. Does third-party insurance cover my bike's damages?

Third-party insurance only covers damage caused to another person, their vehicle, or property. To claim damages to your bike, you need a comprehensive bike insurance.

Conclusion

Filing a two wheeler insurance claim can be a hassle-free process if you understand the steps involved. Whether you opt for cashless claim settlement at a network garage or reimbursement claim settlement, ensuring proper documentation and timely reporting is crucial. Knowing the third-party and own damage claim processes can help you navigate different scenarios effectively. Always read your policy details carefully and follow the correct procedures to maximise your claim benefits while avoiding common reasons for claim rejection.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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. 

Choosing the best motorcycle insurance is critical to safeguarding your bike. It protects you financially from all calamitous situations that may result in bike damage. In India, there are three types of bike insurance - standalone own-damage cover, bare minimum third-party liability insurance and comprehensive bike insurance. Today, we will discuss some crucial points related to third-party liability coverage. 

What is 3rd party insurance for a bike?

In India, it is mandatory to have third-party insurance to ride your bike on public roads. According to the law, you are not permitted to ride your two-wheeler unless it is covered by this policy. Third-party insurance protects you financially against legal liabilities arising from hurt or damage caused to a third-party person or property, respectively. It also covers legal fees if the victim files a lawsuit against you.

Is third-party insurance enough for a bike?

Third-party insurance does not cover damage to the insured bike. If your bike is involved in a road accident and is severely damaged, third-party insurance will not cover the repair costs. The scope of coverage also excludes situations in which your bike is stolen or damaged as a result of a natural or manmade disaster.

Therefore, it is recommended to have either comprehensive bike insurance or to supplement third-party coverage with a standalone own-damage policy. You should also think about adding appropriate riders to broaden the scope of coverage.

Is the premium of a third-party insurance policy high?

No, it is, in fact, the most affordable policy available in the market. The price of third-party liability insurance is fixed by the Insurance Regulatory Department of India (IRDAI). It is decided based on the engine displacement size. Let's see how much it costs for different models.

Riding efficiency offered by motorcycles make them the undisputed leaders of Indian roads. They are not only convenient and fun to use, but also are fuel-efficient. This makes them an ideal substitute for public vehicles and other modes of personal transport.

But with great convenience comes greater risk. It is essential to be cautious while using a bike. Your ride must be as safe as your bike’s efficiency. Having bike insurance will secure you and your bike from any losses occurring due any accidents. Here are some quick bike hacks to take care of your bike and ensure safety while using it:

1. Keep the right accessory set handy

One of the top bike riding hacks is to keep all the essential accessories handy. It will not only ensure safety but also improve the bike riding experience. Gearing up with the right clothing is equally essential as carrying additional accessories. For instance, when out on a long ride, riding a two-wheeler in t-shirts, shorts and sandals can be uncomfortable as well as unsafe.

You may thus want to switch to clothing options such as reinforced jackets, leathers, boots and pants. Essential accessories can include glasses for open-faced helmets, gloves, and the right helmets to go with for the highest safety reinforcements.

2. Continue bike ride in your comfort zone

Bikers, especially those who have purchased new two-wheelers, often choose to experiment with their riding styles and take unchartered routes. However, an unfamiliar riding route that is out of your comfort zone comes with a set of risks such as skids and badly-timed brakes. If not cautious, these can lead to unfortunate accidents.

Similarly, riding a bike on new routes with unknown bends and turns poses a high degree of risk to the rider as well as the two-wheeler. For example, going for off-road trips with your bike where the riding surface is uneven can result in dysfunctional shock absorbers, loosened brake systems etc. Thus, one of the important bike hacks is to use your bike in familiar territories within your comfort zones only.

3. Inspect before gearing up for your ride

Giving your bike a quick inspection before taking it for a ride can prove to be a life-saver. For instance, checking tyre pressure, mirror placements, and light focus before the ride can help you drive safely on dark roads, uneven surfaces and busy routes.

Going for a quick inspection can also reveal minute misplacements such as loosened bolts, fuel leaks, or any other mechanical hazard that can bear high risks. Staying diligent regarding timely vehicular care and maintenance can prove to be another great bike riding hack that can nip any riding risks in the bud.

4. Combine manual cognizance with mirror check

When riding two-wheelers, we often rely heavily on mirrors to track surrounding traffic. While side mirrors lend essential insight for improved safety during a ride, it is also equally prudent to manually check for nearby vehicles, especially at the road bends. In such situations, mirror views are often limited with defined easy-to-miss blind spots.

5. Be cautious of steep road curves while riding

One of the trickiest bike riding experiences is to tread through sharp turns since steep road curves can be risky if not navigated discreetly. Extra care is needed when the roads are not clear and could have loose gravel or potholes. The most prudent bike riding decision would be to read such road conditions well and drive slow while driving through road bends.

In India, all insurance companies are bound to follow the rules and regulations set by the Insurance Regulatory and Development Authority of India (IRDAI). These rules and regulations aim to keep the relationship between the insurance provider and the policyholder as smooth as possible. The IRDAI rules vary depending on the type of two-wheeler insurance policy. The rules for various types of insurance coverage are as follows:

The IRDAI rules for a third-party liability two-wheeler insurance policy

IRDAI has set certain rules and regulations regarding third-party liability two-wheeler insurance. It provides coverage under certain circumstances that are given below.

• If the insured bike causes death or injury to the third party, the insurer will compensate the third party. 

• The compensation amount will be determined by the court based on the severity of the third-party injury.

• The cost of damage to a third-party property will be covered by the insurer. The court will decide the amount of compensation based on the extent of loss.

   

Two-wheelers are one of the most convenient and cost-efficient modes of commuting. Their ability to cut through long traffic snarls and narrow lanes means that you can reach your destination as quickly as possible. Moreover, two-wheelers are the best means to avoid the hassles of using public transport for those who can't afford a car.

However, there's no denying the fact that even though two-wheelers are cool and fuel-efficient, they are riskier than cars. According to the Insurance Information Institute, a two-wheeler accident is 30 times more likely to cause the rider's death than other vehicles. The NCRB data also shows that in 2019, around 58,747 two-wheeler occupants died in road accidents against 22,637 car occupants.

Therefore, it is imperative for two-wheeler owners to follow certain road safety tips while riding their bikes or scooters. It will not only help in avoiding an accident but also provide them with a stress-free riding experience.

The roads of India are bustling with heavy traffic, and travellers are on the move from morning until late at night. In such conditions, road safety becomes essential, and following the rules of the road becomes our duty as citizens.

 The statistics for road accidents and casualties in India are alarming. Did you know that more than 5 lakh road accidents take place in India every year, out of which 1.5 lakh people never make it alive and 3 lakh are left crippled for life?  This points to the necessity of obeying traffic rules.

Traffic Rules in India 

To curb the rise of road-related vehicle mishaps, more stringent traffic rules have been imposed from September 2019 by the Indian Motor Vehicles (Amendment) Act. The motor vehicle department has also imposed hefty fines for those who break the law.  This compels the two-wheeler riders to take traffic rules and regulations more seriously, thus promoting safer roads.

New Traffic Rules and Fines

Under the Motor Vehicles Act (2019), these are the new rules that are being enforced-

1. Riding a bike without a helmet will result in a fine of Rs. 1000  and suspension of licence for 3 months.
2. Drunk driving will now be fined Rs. 10,000 for the first time.
3. Overspeeding will be charged with a fine of Rs. 1000 to Rs. 5000.
4. Driving without a licence will lead to a penalty of Rs. 5000.

Rule Book for Two-Wheeler Riders: Important Traffic Rules to Follow

These are the top 8 traffic rule violations with their updated penalties and fines that you should be aware of. It will serve as a quick guide and reminder for you every time you turn on the ignition key to ride your bike.

1. Driving Without a Valid Driving License

It is obvious that you should have your driving licence with you when riding your bike and it should not have expired. Telling the traffic cop that you forgot your driving license at home or were just about to get it renewed may not work anymore. You will have to pay up to a whopping Rs.5000 instead of the earlier Rs.500 as a fine for violating this fundamental traffic rule.  

2. Driving an Uninsured Vehicle

Say you were on your bike, jumped a traffic signal, and got unlucky. If you don’t have bike insurance or your policy has expired, you have committed an offence. According to the new traffic rules, you can be penalised with a fine of Rs.2000 (first time) or Rs.4000 (second time) and/or imprisonment for up to 3 months.

Getting your vehicle insured is compulsory as per the Motor Vehicles Act 1988. You should have at least third-party insurance to cover your liability in case your car or bike causes third-party injury, death, or damage in an accident. Timely bike insurance renewal is a must.

Buying bike insurance is more than just fulfilling your legal duty as a bike owner. Comprehensive bike insurance will safeguard your bike from damage due to accidents, theft, and other disasters.

3. Driving Under the Influence of Alcohol (Drunken Driving)

This is a traffic rule that is very well known. Yet there are many who knowingly or rather daringly violate this rule of not driving or riding a vehicle after they are a few drinks down. If you are caught riding your two-wheeler in an intoxicated state, you will be charged a steep fine of Rs.10,000 and/or imprisonment for up to 6 months. If you still don’t learn a lesson and commit the offence a second time, stricter action will be taken against you. As per the new rules you will be fined Rs.15,000 and/or imprisonment up to 2 years.

4. Racing and Speeding

If you love to ride your bike as a thrill machine, zipping on the occasional open stretches of road or weaving in and out of traffic at dangerous speeds and racing other bikers, the new penalties for such traffic rule violations should serve as a strong deterrent. Instead of a token amount of Rs.500, first-time offenders will be fined Rs.5000 and/or imprisonment up to 3 months. If you are caught for the second time, be prepared to pay a penalty of Rs.10,000 and/or imprisonment up to 1 year.

5. Overloading Your Two-Wheeler

A two-wheeler is meant to carry two people: the rider and the pillion rider. To prevent cases of three persons on a bike – not an uncommon sight in India, there is now a fine of Rs.1000 per extra passenger imposed for passenger overloading. Many times, an enormous amount of material, much more in size and weight than the bike itself, is piled and ferried on two-wheelers. Overloading your bike either with extra passengers or by physical load unbalances the vehicle, hampers maneuverability, and is highly risky for you and others. Overloading of a two-wheeler carries a fine of Rs.2000 and disqualification of your driving license for 3 months.

6. Not Wearing a Helmet

Despite knowing how crucial and life-saving wearing a helmet is, many two-wheeler riders chose to ignore this step while riding a bike. So, the law has stepped in to tighten the rules. The revised penalty is Rs.1000, and disqualification of your license for 3 months.

7. Dangerous or Rash Driving

A common example of an offence under the dangerous or rash driving traffic rule is talking on the phone while driving. If you are in the habit of taking or making calls while riding your bike, know that the fine can range from Rs.1000 – Rs.2000 and/or imprisonment from 6 months to 1 year.

8. Over-Speeding

Speed limits at certain places are set for the safety of motorists. Violating them is a traffic offence. For an LMV (light motor vehicle), you can be fined up to Rs.2000 for over-speeding.

Documents to Carry When Riding Bike

If you are taking your bike out for a ride, be sure to take these documents with you to avoid penalties-

1. Driving Licence
2. The RC or registration certificate for your bike
3. Bike insurance papers
4. The PUC or Pollution Under Control Certificate
5. ID proof

FAQs

1. Can I use digital copies of documents when riding my bike?

Yes, you can carry a digital (softcopies) copy of your documents while riding a bike and produce them when asked by the authorities for verification.

2. Is it mandatory to wear a helmet when riding a bike?

Yes, the rider is mandated by law to wear a helmet. The passenger riding along must also wear a helmet.

3. What is the fine for riding a bike without insurance?

If you do not have bike insurance, you can be fined from Rs. 2000 to Rs. 4000.

4. Can children under 12 years ride as pillion riders?

Yes, children under 12 can ride along on a bike, but they should have all the safety gear.

5. Can two-wheeler riders use earphones on the road?

No, using earphones while riding a bike is penalised under traffic laws.

Conclusion

Riding a bike is a fun experience that can be made wholesome if you follow the important traffic rules. By adhering to the rules described in this blog, you can become a responsible rider and citizen and contribute to making roads safer for everyone. Remember, obligations like insurance, a valid licence, and wearing a helmet ultimately benefit you and your loved ones.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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. 

Updated on 10-04-2025

In keeping with changing requirements, the ever-increasing number of two-wheelers on Indian roads, and rising cases of accidents and uninsured bikes, the apex insurance regulator IRDAI makes changes in vehicle insurance rules and regulations from time to time.

While you would know that it is compulsory to have bike insurance, you may not be aware of the latest updates about buying two-wheeler insurance. One of the points that will come up when you go to buy bike insurance is about a long-term 5-year policy. Is it compulsory for all two-wheelers to be covered with a 5-year bike insurance policy? How does it compare with a standard 1-year bike insurance? How will it affect the premium I pay and my policy coverage?  

This article is about answering all such questions and clearing any confusion in your mind about 5-year two-wheeler insurance.

Why is Bike Insurance Mandatory for 5 Years?

The 5-year bike insurance is made mandatory to reduce the number of uninsured bikes on the road. This will provide long-term protection to the two-wheeler without the need to renew it annually.

How Does a 5-Year Bike Insurance Policy Work?

Following a Supreme Court ruling in September 2018, IRDAI has made it mandatory for all new two-wheelers to be issued a 5-year insurance cover. This has been done to ensure that a maximum number of two-wheelers remain insured and also to minimise incidents of lapsed, expired policies, and uninsured vehicles.

Note that a 5-year cover is mandatory only for third-party (TP) bike insurance policies. Having third-party insurance is anyway compulsory for all vehicles as per the Motor Vehicles Act 1988.  

If you have just bought a brand new scooter or bike and decided to go with basic third-party bike insurance, you will necessarily have to buy a 5-year insurance policy. But if you choose to purchase comprehensive two-wheeler insurance for your new bike, then your policy tenure will be 3 years and not 5 years.

Benefits of a 5-Year Bike Insurance Policy

From a policyholder’s perspective, too, having a 5-year or long-term two-wheeler insurance cover can have many advantages. Take a look at how you can gain from this move.

• You will save on premiums – When you take up a 5-year two-wheeler insurance policy, you make a one-time premium payment, and the policy stays valid for 5 years. Because of this long lock-in period, you are insulated from annual price hikes in the premium rate. IRDAI revises the base premium for third-party insurance every year. But this annual price increase will not affect you for the validity of your policy tenure. This effectively means that you save money on your two-wheeler insurance premium.
• You won’t have to bother with yearly policy renewal – Since your long-term policy will be valid for a period of 5 years, you need not bother with remembering to renew your two-wheeler insurance every year. That lowers your risk of being caught with lapsed bike insurance while riding your two-wheeler or the financial burden of paying from your pocket for repairs or spare parts to fix damages to your bike in an accident since you don’t have active insurance cover. By making a one-time premium payment, you can rest assured on all these aspects – annual renewal, third-party liability, and financial protection for damages to your bike for a full 5 years.
• You can save your No Claim Bonus – No Claim Bonus or NCB is a benefit that you get in case you do not make a claim during the tenure of your bike insurance policy. It is basically a discount that you earn during renewal on the next year’s premium for every claim-free year. The general rule for a standard 1-year vehicle insurance policy is that you lose the NCB totally if you make even a single claim during the policy tenure. But in a 5-year long-term bike insurance policy, the NCB does not become nil and void. It just reduces to the previous percentage slab so that you still get the benefit of No Claim Bonus in Bike Insurance
• You get a refund if the policy is terminated – Just like you do not lose the entire no-claim bonus when making a claim, a 5-year long-term two-wheeler insurance policy also ensures that you do not lose your entire premium in case of termination. If you terminate your long-term two-wheeler insurance policy for any valid reason (total loss or theft), you will be refunded a part percentage of the premium paid for the unutilised term or the remaining years of your policy.

How is NCB Calculated on a 5-Year Policy?

In the context of 5-year bike insurance, if a policyholder does not make any claims during the entire 5-year term, they become eligible for a significant NCB discount on the premium when renewing or purchasing a new policy. However, if a claim is made during the policy period, the NCB is typically reduced to the previously applicable slab rather than being entirely forfeited, allowing policyholders to retain some of the discount benefits.

Things to Keep in Mind Before Opting for a Bike Insurance Policy

When considering two-wheeler insurance, especially a long-term one, keep the following points in mind:

1. Type of Coverage: Understand the difference between third-party liability and own damage coverage. While third-party insurance is mandatory, own damage coverage provides protection against damages to your vehicle. Consider opting for a comprehensive policy that includes both.
2. Insurer Reputation: Choose a reputable insurance provider known for efficient claim settlements and good customer service.
3. Policy Inclusions and Exclusions: Carefully read the policy document to understand what is covered and what is not. This will prevent unpleasant surprises during claim settlement.
4. Premium Costs: While long-term policies can offer savings, ensure that the upfront premium payment aligns with your financial situation.
5. NCB Transfer: If you're switching insurers or buying a new vehicle, check if your accumulated NCB can be transferred to the new policy.
6. Add-On Covers: Consider additional covers like zero depreciation, engine protection, or roadside assistance based on your needs.

Conclusion

To conclude, while the mandatory 5-year tenure for new bike insurance policies will take some getting used to, it is definitely a move that has been well thought through and has many benefits for the policyholder. Check out the details with your insurance provider.

You can buy either 5-year third-party bike insurance or 3-year comprehensive two-wheeler insurance coverage online on an online aggregator site or buy two-wheeler insurance directly from the insurance company by visiting their website.

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.

Driving a motorcycle is an adventurous experience. Imagine yourself wearing a stunning pair of sunglasses and driving on a countryside road, winds of which sway your hair, and a stupid dent on your bike. Brakes! You see how a simple dent can cause the entire experience to lose its sheen and wonder. That is why we recommend you get your dent fixed. A dent, which can be a result of an accident or due to careless management of your bike, can be quite expensive to get repaired and freshly painted. However, a dent, big or small, can be easily removed at home using some handy tricks. Of course, if you are careful enough, you would already have bought a two-wheeler insurance policy that would cover your expenses pertaining to the repair of the dent.

Causes of dent in bike

Several factors can cause dents in a bike. These include:

1. Accidental falls or collisions
   One of the most common causes of dents is an accidental fall or collision. Whether you drop your bike while parking, have a low-speed crash, or bump into an obstacle, it can result in dents on the fuel tank, fenders, or side panels.
2. Poor parking conditions
   Parking your bike in tight spaces, near other vehicles, or places with heavy foot traffic increases the likelihood of a dent. People accidentally bumping into your bike and making it fall can lead to visible dents.
3. Hitting hard surfaces
   Driving your motorcycle through rough terrain, potholes, or curbs can cause minor dents or scratches, damaging the bodywork. The impact from hard surfaces can also directly affect vulnerable parts of your bike, such as the tank, side panels, or exhaust.
4. Hailstorms or debris
   Falling debris, like rocks, sticks, or even hail, can cause dents, especially if they hit the bike with significant force. Hailstorms are notorious for causing damage to the paint job, along with dents that can be difficult to repair.
5. Regular wear and tear
   Small dings can appear on a bike over time from everyday use. When you take your two-wheeler in and out of tight spaces or repeatedly handle it without enough care, even minor contact with objects can gradually lead to dents.

How to remove minor dents on a bike?

Some double-tanked motorcycles pose a challenge if dented. However, if your motorbike has a single tank, then first of all, you need to remove the tank top. From thence, follow these easy guidelines to fix your dent:

• The primary solution to repairing the dent is hidden in the sand. Yes! Sand the bare metal.
• Then you need to apply Bondo on the dented portion. Mix the Bondo as per the guidelines mentioned on the package and apply it on the dent using a plastic spreader. You should cover the entire dent and leave some additional substance around the dent so as to use later while touching up.
• After the paste has dried up, depending on the thickness of the paste, use grit within the range of 200 microns to start sanding the dent.
• Keep on increasing the size of the grit to around a range of 1000-1500 microns so that the Bondo merges with the color of the paint, showing no signs of edges or external paint.
• A deeper dent can be removed by repeating the process several times. Using a thick layer of Bondo followed by gritting the dent with a range of higher grit will do the trick.

A dent can also be fixed by simple tricks like heating or cooling the dent and then pushing the lower part of the impact crater outward. A plunger can be used, just like a bathroom suction that can suck the dent out. But before you use suction, make sure you clean the dent with a wet cloth so as to give the suction a firm grip over the area. You can always visit a nearby mechanic who will get your dent fixed without compromising the paint cover.

Bike dent repair cost

The cost of repairing dents on your bike depends on the severity of the damage, the method used for repair, and whether you do it yourself or hire a professional. Let’s break down the potential costs:

1. DIY repairs
   DIY repair using the plunger, hairdryer, or dent removal kits is the most affordable option. These tools are generally inexpensive, and the repair cost is negligible if you already have them at home. Dent repair kits usually range from ₹500 to ₹1,500, depending on the brand and tools included.
2. Professional repair services
   If you hire a professional, the repair cost can vary greatly based on the location, type of bike, and extent of the damage. On average, a small dent repair job may cost between ₹2,000 to ₹5,000. However, more complex ones, including repainting or replacing damaged parts, can cost almost ₹10,000 or more, especially if you're restoring large panels or parts of the bike.

Comprehensive bike insurance covers dents and scratches. Thus, you may be able to reduce the repair costs significantly by filing a claim, although you may still need to pay a deductible.

Prevention of dents and scratches

Here are some tips to help you protect your bike from dents and scratches:

1. Park carefully
   Always park your bike in a safe location away from potential obstacles. When parking in crowded places, look for designated bike parking spots, or park in a garage to avoid accidental contact with other vehicles or pedestrians.
2. Use bike covers
   A good-quality bike cover can protect your bike from debris, dirt, and even hailstorms, which can cause dents and scratches. It can also safeguard your bike against scratches when parking in tight or busy areas.
3. Regular cleaning and maintenance
   Keep your bike clean and free of dirt, which can cause scratches. Regular maintenance, such as checking tyre pressure and ensuring the bike is lubricated properly, can help prevent accidents that might lead to dents.
4. Install protective accessories
   Consider installing protective accessories like crash guards, frame sliders, or protective films to shield your bike from dents and scratches. These can absorb the impact from falls or minor accidents, reducing the chance of dent damage.

FAQs

Q1: Can a deep dent in my bike be repaired?

Yes, a deep dent can be repaired, but it usually requires professional help. Repair may involve replacing the damaged parts, using body filler, or repainting the area. It’s always best to consult a professional mechanic or auto body shop for deep dent repairs.

Q2: How long does it take to repair a minor dent?

Minor dent repairs can take anywhere from 30 minutes to a few hours, depending on the technique used and the dent size. DIY methods, such as using a plunger or dent removal kit, can be done in less time, while professional repairs may take longer.

Q3: Will insurance cover the repair of dents in my bike?

Comprehensive two-wheeler insurance policies may cover dent repairs, especially if the damage is caused by an accident or natural disaster.

Conclusion

Dents are a common and frustrating issue that most bike owners will encounter at some point. While repairing them might seem complicated, many minor dents can be cleared at home with the right tools and techniques. Bike dent repair costs can be covered by a comprehensive bike insurance policy.  It is important to note that this is not possible with third-party bike insurance.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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. 

To tackle the rising air pollution in the country, the Government of India has laid down standardised rules for allowing emission levels from motor vehicles. Under this rule, all motor vehicles in India have to mandatorily undergo an emission test and if their emission levels comply with the norms, a Pollution Under Control (PUC) certificate is awarded to them.

This is done to ensure that every vehicle is safe to run on roads, without creating much air pollution. Different classes of vehicles have different emission levels and it is compulsory for every vehicle in India to have a valid PUC certificate. Non-adherence to this rule may attract traffic fine or imprisonment or both.

In this article, we will tell you more about a PUC (Pollution Under Control) Certificate and you will also get to know how to get a PUC certificate online as well as offline for your vehicle. Continue reading.

What is a Pollution Under Control (PUC) Certificate?

A PUC certificate, also known as the Pollution Under Control certificate, is a Government-issued document that is awarded to a vehicle if its emission levels are found to be within the permissible limits. As per the Central Motor Vehicles Act, a valid PUC certificate must be present with every vehicle on the road at all times.

The PUC certificate of a vehicle contains the following information:

• Vehicle’s registration number
• Serial number of the PUC certificate
• Date of the emission test
• Validity date of the PUC certificate
• Reading of the emission level of the vehicle

The PUC certificate can be obtained by a vehicle owner by paying a nominal fee which ranges between ₹ 60 to ₹ 100.

How to Get a PUC Certificate in India?

The PUC certificate for new vehicles is provided by the dealer and it comes with a validity of one year. Post that, you need to follow the steps mentioned to get a PUC certificate for your vehicle.

Offline Method: By Visiting the Emission Test Centre

Step 1 – Find a PUC centre near you. It could be a petrol pump or a government-licensed auto emission testing centre, or a private emission testing centre.

Step 2 – Get the exhaust pipe of your car or two-wheeler scanned by the testing executive at the PUC center. The emission levels of your vehicle will be recorded.

Step 3 – You will be required to pay a requisite fee to the testing executive. If the emission levels of your vehicle are within the authorised limits, you will be provided with a PUC certificate containing your vehicle’s emission readings.

Online Method: Via the VAHAN or PARIVAHAN Sewa Portal

Below are the steps to get your PUC certificate online:

Step 1 – Visit the Parivahan Seva website

Step 2 – Click on the PUC certificate section

Step 3 – Enter the registration number of your vehicle and the last 5 digits of its chassis number

Step 4 – Fill in the captcha code

Step 5 – Make the payment as required by the portal

Step 6- Download the certificate digitally

What is the Emission Test Procedure to Get a PUCC?

The emission test checks carbon monoxide and hydrocarbon levels in the exhaust of the vehicle.

1. The exhaust of your vehicle is checked with a gas analyser
2. The readings are then compared to the permissible limits set by government regulations.
3. If the emissions are under permissible limits, the PUC certificate is issued.

Different Types of Emission Tests for Vehicles and Their Emission Measurement

Some of the common tests for checking vehicle emissions are-

1. Idle emission test: It is done for bikes that use petrol and diesel. It is conducted when the engine is resting.
2. The high-idle emission test: It is done at higher engine speeds to check for pollutants emitted.
3. Opacity test: This checks the smoke density of diesel vehicles.

Pollution Under Control (PUC) Certificate Charges

The charges for a PUC certificate vary based on the type of vehicle and the location of the testing centre. It is usually from 60 to 100 rupees for bikes.

How to Renew a PUC Certificate Online?

You cannot renew a PUC certificate online. The vehicle must undergo an emission test at an authorised emission centre to get a new PUC certificate.

What is the PUC Certificate Download Process?

Simply visit the “PUC Certificate” option on the PARIVAHAN portal, enter the required details, and download the certificate.

How to Find RTO-approved PUC Centres?

You can find your nearest PUC centre or emission testing centre by visiting the Parivahan Seva website. All you need to do is just follow the steps mentioned below:

Step 1 – Visit the PUC section of the Parivahan Seva website

Step 2 – From the navigation menu, choose “PUC Centre List”

Step 3 – Select your state and district, and you will be able to view all RTO-approved emission testing centres near you. You will also find the complete address of the PUC centre, the types of vehicles they test, and their contact details.

Why PUC Certificate is Compulsory in India?

A PUC certificate is proof that your two-wheeler follows the laws made to protect the environment by reducing pollution from vehicle exhaust. It helps you comply with the Central Motor Vehicle Rules of 1989.

PUC Certificate Rules and Regulations in India

For new bikes, a PUC certificate is valid for 1 year from the date of registration, while older two-wheelers require PUC renewal every 6 months.

Penalty or Challan for Not Having a PUC for Bike

As per the Motor Vehicles Act of 1988, it is mandatory for every vehicle owner in India to have a valid PUC certificate along with other documents like motor insurance policies including car insurance or bike insurance, registration certificate, driving license, and tax token. Not having a PUC certificate will get you booked under Section 190(2) of the MV Act and will attract a penalty of ₹ 1,000 fine if you’re a first-time offender.

For subsequent or repeat offences, you will have to pay a fine of ₹ 2,000 every time. In cities like Delhi, this amount can go up to 10,000 rupees.

What is Included in the PUC Certificate?

The inclusions of a PUC certificate are:

• Registration number of your bike
• The date on which the emission test was done
• The validity period of the certificate
• Readings of emission test

What is the Validity of the PUC Certificate for the Bike?

For two-wheelers, the PUC certificate is provided by the dealer itself and is valid for one year from the date of registration of the car. Post that, the PUC certificate of the vehicle needs to be renewed as per the Government’s guidelines. For vehicles that are more than 5 years old, the PUC certificate comes with a validity of six months.

However, in case of adverse readings, the time frame for the validity of a PUC certificate will depend upon the recorded emission levels.

What are the Permissible Emission Levels for New Bikes?

 For new bikes, carbon monoxide levels need to be less than 0.5% and the hydrocarbon emission under 750 ppm.

What are the Permissible Levels for Old Bikes?

• Carbon monoxide levels for old bikes need to be under 3.5%
• Hydrocarbon emissions need to be less than 2000 ppm

Why Carry the PUC Certificate While Driving?

You should carry a valid PUC certificate while riding your bike because-

1. It protects you from fines in case of inspections
2. It is proof of your compliance with environmental regulations
3. Having the certificate minimises the chances of legal issues while driving

FAQs

1. Is a PUC certificate mandatory for EVs (electric vehicles)?

No, you do not need a PUC certificate for driving electric bikes.

2. Can I get a PUC certificate from any testing centre?

No, RTO-approved centres are the only place from where you should get a valid PUC certificate.

Conclusion

As a law-abiding citizen of this country, you should take your vehicle to an emission testing centre and get a PUC certificate before it expires. If the emission levels of your vehicle are found to be higher than the permissible limit, you should get it checked with a mechanic. It’s important to get your vehicle serviced at regular intervals to keep its emission levels within the limits. Your two-wheeler insurance will cover the cost of any repairs if needed. By following these simple rules, you can do your part in making roads safer and protecting the environment.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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. 

Riding a bike can be one of the most entertaining things you can do. If you’re a bike enthusiast, you are probably aware of the fun and convenience a bike can bring to you. You can not only whiz past the peak-hour traffic and reach your destination quickly but also reduce your fuel expenses significantly by opting for a bike for your daily travel. Government has made motor insurance mandatory while driving on the Indian roads.

However, with monsoon gripping the country, the chances are that rain could come in any time, and you may encounter wet and slippery roads. Riding in bike in such conditions can be extremely challenging. Buy a bike insurance as it will secure you from any financial losses occurred due to road accidents. Here are a few bike riding tips for the rainy season to make this a little easier:

1. Check the condition of your bike’s tyres

During the rainy season, the roads become wet and slippery. Hence, it’s very important for every bike rider to get a firm grip on the road and the tyres of his/her bike help him/her with that. Therefore, the tyres of your bike need to be in a very good condition before you take your vehicle out during the rainy season.

Inspect your tyres properly for wear and tear. If you think they are not in a proper condition, it’s better to replace them than taking a risk. Check for the tyre treads. It’s essential to have adequate tread depth as it helps in dispersing water and ensures a firm grip on wet roads.

2. Wrap yourself in waterproof gear

Before you begin a ride on your bike during monsoon, it’s crucial to wrap yourself in a waterproof riding gear. Get a strong pair of waterproof riding boots, raincoat or waterproof jacket, rain proof pant, a pair of gloves, and of course, a sturdy ISI-marked helmet. Make sure there is no way for the water to enter and make you wet while you’re riding your bike.

Besides offering you a comfortable ride, this will also ensure your good health. However, make sure your gear isn’t too tight. You should be able to feel comfortable in it and it should not restrict your movement while you are riding.

3. Ensure maximum visibility

Rains can hamper visibility to a large extent while you are riding your bike. Hence, you should take extra precautions during this season. Avoid using dark or tinted glasses while riding during the rainy season. Also, make sure the visor of your helmet in clear and scratch-free to ensure maximum visibility.

If your visor seems to be damaged, it’s better to replace it before the monsoon sets in. Also, keep your headlights on all the time to make sure you can clearly see the road. If you are still experiencing hampered visibility, you can take a halt and wait till the weather clears a bit.

4. Get your bike serviced

The last thing you would want is getting stuck in the middle of the road amidst rains and thunderbolts. It can be a horrifying experience. Hence, it’s prudent to get your bike serviced before the rainy season to ensure that it doesn’t break down in the middle of a journey.

Also, you must follow proper bike maintenance tips to make sure your bike is in a smooth condition. For example, change its engine oil, oil filters, and air filters. Make sure that all the tyres are properly inflated, and all the lights are working.

There are a few things in life that can provide you with more thrill than riding a motorcycle. Be it running swiftly on highways or whizzing through peak-hour traffic, a motorcycle is undoubtedly the most convenient and affordable mode of commuting. However, just like any other machine, a bike or motorcycle also requires maintenance and a bike insurancepolicy, as it not only covers your bike but also protects you in an emergency.

One of the most important components of bike maintenance is changing its engine oil on a regular basis. Without the regular changing of the bike’s engine oil, the engine can get overheated, friction between its moving parts can increase, and its overall performance can suffer. Also, the fuel efficiency of the bike can decrease.

According to the experts, the bike oil change should be done at least once in every six months or after every 2,000 kilometres. As a responsible bike owner, you should make sure to maintain this frequency for changing your bike’s engine oil. Read on to learn some quick tips that can help you perform this simple bike maintenance task with ease.

Guidelines for Safely Changing Your Motorcycle's Engine Oil

Changing your bike’s engine oil is not just about removing the old oil and replacing it with new—it requires attention to detail and following essential safety steps:

1. Gather your tools before beginning the process

As with any other process, the first step towards your bike’s oil change is to gather all the tools you may need. These include a can of fresh engine oil, a new oil filter, a drain pan, a measuring beaker, a funnel, and some basic tools for opening and tightening nut bolts, such as a screwdriver and adjustable socket wrench.

Apart from this, you must also keep your bike’s service manual book handy. It will help you know the exact process of oil change, the specific type and quantity of oil required for your bike, as well as the information about the frequency at which you should change your bike’s engine oil.

2. Maintain proper frequency for changing your bike’s engine oil

You should maintain proper frequency to change your bike’s engine oil. Usually, mechanics advise to change your bike’s engine oil every six months or after every 2,000 kilometres. However, for more exact information on the correct frequency for your bike’s oil change, you should refer to its service manual book.

While taking a longer time to change your bike’s oil may cause a decline in its engine’s performance and fuel efficiency, doing it earlier may result in nothing but waste of money.

3. Use the best engine oil only

It’s very important to use the best engine oil for your bike. Some mechanics may advise you to go for a cheaper engine oil to save some money. However, that’s not the best practice to follow. It can result in your bike’s performance being affected. You can go through the service manual booklet to learn about the best-suited engine oil for your bike.

Also, you should purchase the engine oil only from manufacturers or trusted dealers. Chances are that others may dupe you by providing a duplicate or adulterated engine oil which can be very harmful for your bike.

4. Keep your bike on the double stand while changing the engine oil

Before beginning the process of your bike’s oil change, it is crucial to park it on level ground using the double stand or centre stand. This will make it easier for you to reach the oil filter and ensure your motorbike’s stability. Also, the used oil stored in your bike may not drain out properly if it is standing at an angle on a kickstand.

In case your bike only has a kickstand, it makes sense to get a paddock stand installed in it. It will help you in performing bike maintenance activities such as changing its engine oil.

5. Change the oil filter as well

When you change your bike’s engine oil, you should also consider changing its oil filter. The role of an oil filter is to protect your bike’s engine from potential damage by removing contaminants such as dirt, oxidized oil, and metallic particles that can accumulate in the motor oil. Just like the engine oil, the oil filter of your bike gets clogged or damaged after a particular time.

Hence, it is prudent to change your bike’s oil filter at regular intervals. The best way to do it is to change your bike’s oil filter every time you change its engine oil.

6. Pour the engine oil in the required quantity only

It is important to pour the engine oil into your bike in the required quantity only. While pouring a lesser quantity may affect the engine’s performance, pouring more than what is required will only lead to spillage and wastage of money.

Hence, before pouring the fresh engine oil into your bike, you can measure out the specific amount of bike oil needed with the help of a beaker. To know the right quantity of oil required by your bike, you can refer to its service manual booklet.

Importance of Regularly Changing Bike Engine Oil

Engine oil is the lifeblood of your motorcycle, ensuring all moving parts are lubricated and functioning efficiently. Here are key reasons to prioritise regular oil changes:

1. Enhanced Engine Performance
   

   Fresh oil reduces friction, keeping the engine components running smoothly. This results in better acceleration and overall bike performance.

2. Prolonged Engine Life
   

   Regular oil changes prevent dirt and debris from accumulating, reducing wear and tear and increasing the life of the bike’s engine.

3. Better Fuel Efficiency
   

   Dirty or degraded oil can increase friction, causing the engine to work harder and consume more fuel. It is important to change bike fuel at the recommended time to ensure good mileage.

4. Prevention of Overheating
   

   Engine oil plays a vital role in cooling the engine by dissipating heat. Old oil loses its cooling properties, leading to overheating issues.

5. Cost Savings on Repairs
   

   Not changing engine oil on time can lead to engine damage, requiring costly repairs. Regular maintenance avoids these expenses and ensures consistent performance.

You spend a considerable amount of time and money to buy your favourite bike. You leave no stone unturned to keep it in top condition. You must have purchased a comprehensive bike insurance plan to protect it from unforeseen adversities. But, what about the helmet that you will wear while riding your bike?

Undoubtedly, a helmet is the most important safety gear that you need to wear while riding a bike. In case of a road accident, it protects your head and brain from serious injuries. In the absence of a helmet, the rider’s head can suffer severe injuries which is preventable with a helmet. Hence, choosing the right bike helmet for yourself is as important as buying and maintaining your bike.

How to Choose a Bike Helmet?

When buying a new bike helmet for yourself, it’s not just the colour and graphics that you should look at. There are far more important things that you should consider, such as the helmet’s type, size, shape, and safety certifications.

Three Things to Consider When Buying a Bike Helmet

When buying a bike helmet, you should consider these three key points-

1. Safety Standards: The Indian Standard Institute (ISI) has been authorised by the Government of India to ensure standard compliance for industrial products since 1955. An ISI logo on the back of a helmet assures that it complies with respective quality standards which are necessary for bike riders in India. Therefore, while buying a helmet, you must check the ISI mark on its back.

In fact, if you’re caught riding a bike in India without wearing an ISI-certified helmet, you may get penalised by the traffic cops. As per the latest notification issued by the Ministry of Road Transport and Highways, it will be mandatory from 1^st June 2021 for all two-wheeler owners to wear an ISI-marked helmet while riding their vehicles.

2. Comfort: Yes, proper safety and certification are the primary things you should look at while buying a helmet. However, that does not mean that you should ignore the comfort it is offering to you during the rides. A good bike helmet should be sturdy as well as comfortable on your head.

It should be able to provide you with proper ventilation and breathability. You should not feel suffocated while wearing your helmet. These things become even more crucial when you go for long rides or get stuck in bumper-to-bumper traffic during sultry summer days.

Also, check the helmet for noise it’s creating during rides. If a helmet is creating unnecessary high noise while you’re riding at high speeds, it can seriously affect your hearing capability.

3. Style: Lastly, you should pay attention to the styling factors, such as colour and graphics of a helmet, while buying it. You can ask the vendor to show you all colours and graphic patterns available in a specific type of helmet you have finalised for yourself. After all, you would want to stand out from the rest of the riders on the road.

Opt for the design which aligns with your clothing style and bike’s colour. You can either go with a helmet of the same colour as that of your bike, or you can also opt for a contrasting colour. Additionally, do consider the bike helmet price before buying one.

Pick the Right Bike Helmet Style

You should have the proper knowledge of the different types of helmets available in the market and what’s best for you. Basically, there are four types of helmets:

1. Open face helmets

These are among the most common and easily available helmets in the market. These are lightweight helmets that offer great ventilation. These helmets do not have a jawline and, hence, expose your face for proper visibility and ventilation. These helmets are hence, fit for short city rides but not recommended for high-speed rides.

2. Full-face helmets

These helmets cover the whole face of the riders and provide them with an added layer of protection. They also protect the jaws of the rider as they have an immovable jawline in front. These helmets are, therefore, fit for long highway rides where you need to ride your bike at high speeds.

3. Modular helmets

Modular helmets are a combination of half and full-face helmets. These helmets can be converted into full-face or half-face helmets as per the rider’s wish. These helmets are specially designed for city riders who occasionally go for high-way rides.

4. Motocross helmets

These are full-face helmets but with a different build and structure. Unlike a normal full-face helmet, these helmets are designed to be lightweight and offer more visibility and ventilation for the rider. These helmets are most suitable for riding in off-road conditions.

Choose a Helmet with Features

Helmets available in the market come with several features that increase safety and comfort. Here are a few elements to look for when buying one-

1. Visors: For blocking sun and rain
2. Ventilation: Go for helmets that have properly designed vents to keep your head cool
3. Integrated Lights: For riding in the early morning or late night hours, lights on the helmet are a great feature.
4. Adjustable Straps: They allow you to adjust the helmet's fit according to your comfort.
5. Detachable Liners: For easy cleaning and better hygiene of the helmet

Helmet Protection Technology

Certain advanced safety technologies in the helmet provide the rider with an added layer of protection. A few popular ones are-

1. MIPS: The Multi-directional Impact Protection System is an additional layer inside the helmet that gently shifts to protect the head and skull in case of a crash or accident.
2. WaveCel Technology: Considered more effective than MIPS, WaveCel is a cellular material that moves during an oblique impact after a crash, protecting the brain from serious trauma and reducing injury to the skull. 
3. SPIN (Shearing Pads Inside): This protection technology uses silicone pads inside the helmet to protect the head from injuries during an accident. Due to silicone’s ability to change shape, SPIN offers an all-rounded safety.
4. Dual-Density Foam: This absorbs the impact of a crash efficiently, mainly during high-speed crashes.

Just like two-wheeler insurance protects the bike and the owner, a helmet is a simple safety solution for the rider. Consider your requirements and road conditions before choosing a helmet to ensure you ride stress-free.

Find the Right Bike Helmet Size

Every individual has a different body structure. Just like a T-shirt, a bike helmet comes in different shapes and sizes. Majorly it’s available in three sizes – M, L, and XL – and three shapes – round oval, intermediate oval, and long oval. It’s important to know the size and shape of your head and buy a helmet accordingly.

Wearing a wrong size helmet can do more harm than good. A loose helmet can fail to provide optimum protection to your head. In contrast, a tight helmet can put pressure on your head which can result in headache, dizziness, and compromised blood circulation.

When to Replace a Bike Helmet?

Bike helmets undergo wear and tear over time and should be replaced under the following circumstances-

1. After a Crash: Even if you luckily came out of a crash without any major injuries, chances are that the protection system of your helmet is damaged. Replace the helmet immediately after an impact, even if there is no visible scratch on it.
2. After 3-5 Years: The inner material of the helmet degrades over time, which is why it is advisable to replace a helmet every 3 to 5 years, especially if you use it regularly.
3. In Case of Visible Damages: If the helmet was damaged due to a fall, has cracks or dents, or the strap is worn out, it is time to replace it. 

How to Clean a Bike Helmet?

Regular cleaning is important to ensure the long life and hygiene of the helmet. Follow these simple tips to keep it  clean-

1. Wash the detachable liners with mild soap and water and dry them properly before reinserting.
2. Clean the helmet shell with a cloth and warm water. Avoid using chemicals and harsh cleansers as they could damage the material.
3. Allow the helmet to air dry after cleaning. Do not use direct heat or blowers, which could harm the material.
4. Check for damages or cracks during cleaning and replace the helmet if needed.

 FAQs

1. What is the price of bike helmets in India?

The price of bike helmets in India starts from INR 500 for basic designs and can go up to INR 5000 or more for premium helmets with advanced technology.

2. Which helmet standard is the best?

The ISI or Indian Standard Institute marked helmets, checked against government standards are the best quality ones.

3. Are expensive helmets worth it?

Expensive helmets offer better material, modern technology, and comfort appreciated by regular riders, making them worth their high price in the long run.

4. Do bike helmets expire?

Yes, the material used in bike helmets can degrade over time, which is why it is advised to replace the helmet after 3-5 years.

Conclusion

The helmet is the most important safety gear that you need to wear during a bike ride. Hence, be careful while buying a helmet for your bike. You must wear your helmet and other protective gear whenever you go out on a ride with your bike. This can not only save you from getting penalised but also protect you from any serious injury.  Apart from that, we at ICICI Lombard do recommend getting yourself motor insurance as well, to safeguard your vehicle from any damages!

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

India, being in the list of most polluted countries in the world from quite some time now, is in dire need of adopting alternative fuel for mobility to curb air pollution. Electric Vehicles (EVs) are one such option which are eco-friendly and produce zero emission. With the Government planning to boost infrastructure for electric mobility, demand for EVs in India is getting higher by the day.

However, electric cars that are available in the country are still too expensive and mostly belong to the elites. But, the availability of electric bikes has solved the muddle for the common man. Almost all reputed two-wheeler manufacturers in India have started offering electric bikes and scoters at pocket-friendly prices. If you purchase a bike insurance then it will secure your e-bike against the natural and man-made adversities, including fire, theft, riot, vandalism, storm, flood, and earthquake.

Instead of conventional fuels such as petrol and diesel, electric bikes derive power from a battery, which needs to be charged again and again. To ensure long life and efficient performance of an e-bike’s battery, it’s important to follow some tips while charging it.

So, if you’ve recently purchased an electric bike or planning to purchase one soon, continue reading this article to know some useful tips about charging bike battery.

1. Charge your new bike’s battery for several hours before you start using it

When you buy a new electric bike, it comes with a fresh lithium-ion battery that may or not be charged. Hence, it’s essential to charge your bike’s battery for at least 6 to 8 hours before you start using it. The long initial charge of your bike’s battery ensures that the current flows smoothly through all its cells, enabling the battery to perform efficiently in future.

Moreover, fully charging the battery before first use helps in kickstarting the “calibration” process. It enables you to know the power and capacity of your bike’s battery and determine how it’s going to behave in the future.

2. Charge your bike’s battery before it dies completely

Most electric bikes in India use lithium batteries. These batteries usually have a good life, but to keep them in proper condition, you should charge them regularly. You should make sure that you plug in your bike battery charger before the battery of your electric bike dies completely. The best thing you can do is start charging your bike battery as soon as its level dips below 30%. As electric bikes are more efficient than traditional ones, why not give it an efficient protection! Hence, we at ICICI Lombard would recommend getting yourself our motor insurance to protect your bike from any damages!

As per battery experts, you should maintain your bike’s battery level between 30 to 60 percent. In between, you can also go for full charge if you have enough time. Regular charging of your bike’s battery also helps in improving its performance by keeping all cells activated and functional.

3. Fully charge your bike’s battery once in a week but don’t overcharge

As suggested in the above point, you should fully charge your e-bike’s battery occasionally, i.e. once in every one or two weeks. This will help in balancing the cells and improve the overall shelf-life of the battery. It works like an exercise for human body, which improves our strength by preventing our muscles from getting weak.

At the same time, overcharging is not good for the health of your bike’s battery. It’s because lithium batteries degrade while they are being charged and hence, the longer they stay connected to a high voltage charger, the longer the degradation will occur.

Owning a vehicle brings a feeling of pride and happiness. Hopping on your bike and setting out on a ride is no less than a bliss. However, owning a bike also entails certain responsibilities for the owner. He/she needs to be fully aware of the traffic rules and documents that he/she should carry while riding.

In case a traffic police asks for these documents, the owner needs to immediately present them to avoid traffic fines or even imprisonment. These documents are also required when you meet with an accident and file a claim on your comprehensive bike insurance policy.

Top 5 essential documents you should carry while driving

Let us look at the list of documents required while riding a bike in India, as per the Motor Vehicles Act, 1988.

1. Driving Licence

According to the Motor Vehicles Act, 1988, whether you drive a four-wheeler or a two-wheeler, it is mandatory for you to have your driving licence with you. If you are learning to drive, then you need to have the learners’ licence with you.

You can apply for your Driving License at your nearest Regional Transport Office (RTO). For that, you need to produce a valid identification proof (such as Aadhar, bills, etc.) at the time of submission of the filled form, following which an appointment has to be taken for the driving test.

Once you clear the learner’s test, a learner’s driving licence will be provided to you. Post this, you can apply for permanent driving licence after 30 days of issuance of the learner’s licence.

2. Pollution Under Control (PUC) Certificate

Motor vehicles’ emissions, if unchecked, can have severe consequences on the environment and public health. Every vehicle as per the MV Act, 1988 requires to have a PUC. This certificate is a proof that a car or two-wheeler has passed the emission test and has complied with the pollution control norms. A vehicle that doesn’t have a valid PUC certificate is liable for a fine of up to ₹2000. PUCC is provided by dealers for new bikes that are valid for a year. After the expiry of period of one year from the date of first registration, every vehicle owner is required to renew its PUC certificate. For certificate renewal, you need to take your bike to the nearest emission test centre for thorough checking, and a new PUC certificate will be awarded after you pay the fee. Your bike can be checked and PUCC can be availed at petrol pumps or fuel stations which have PUC centres (available nationwide), licenced and computerized auto-emission testing centres or standalone emission testing centres.

3. Registration Certificate (RC)

The Motor Vehicles Act, 1988, makes third party liability insurance mandatory for all vehicles running in India. This motor insurance covers liability for injuries and damages that you may cause to any third-party through your vehicle. You need to carry a copy of this insurance policy always while riding your bike.

You can either apply for a two wheeler insurance policy with the help of dealer or you can get it online by visiting the website of your preferred insurer. In either case, the copy of the insurance is to be submitted at the RTO.

Since 2018, the Insurance Regulatory Development and Authority of India (IRDAI) has made it mandatory for all new two-wheeler buyers to purchase a 5-year third-party insurance. This policy is referred to as long-term third-party insurance policy.

Every new bike has to be registered at the local RTO. The process, known as vehicle registration, enables the owner to get a number plate for his/her vehicle which gets registered in the government records.

After the registration is complete, a Registration Certificate (RC) is provided to the vehicle owner. This RC acts as a legal proof that your bike is registered as per the law. Besides, the RC of your vehicle also helps you to claim under your bike insurance coverage.

As per the updated RTO guidelines, the following documents has to be submitted by the dealer in order to get a car registered:

• Invoice of the motorcycle
• Sales certificate (RTO Form 21)
• Certificate of insurance
• PUC
• Valid identification proof
• Vehicle Registration Form (RTO Form 20)

4. Motor Insurance Policy

The Motor Vehicles Act, 1988, makes third party liability insurance mandatory for all vehicles running in India. This motor insurance covers liability for injuries and damages that you may cause to any third-party through your vehicle. You need to carry a copy of this insurance policy always while riding your bike.

You can either apply for a two wheeler insurance policy with the help of dealer or you can get it online by visiting the website of your preferred insurer. In either case, the copy of the insurance is to be submitted at the RTO.

Since 2018, the Insurance Regulatory Development and Authority of India (IRDAI) has made it mandatory for all new two-wheeler buyers to purchase a 5-year third-party insurance. This policy is referred to as long-term third-party insurance policy.

5. Tax Token

To run a vehicle in India, every vehicle owner needs to pay road tax. While for bikes, this tax is paid only once during its registration, for cars, road tax is paid for the period of five years after which it has to be paid again. Every vehicle owner needs to carry a tax token, which signifies that the tax is been duly paid by him/her.

When you buy a new bike, the dealer will pay the tax and will provide you the tax token. You can also visit www.parivahan.gov.in or visit your RTO to get a copy of your bike’s tax token.

Digital apps to keep your documents online

Managing important vehicle documents like your two wheeler insurance becomes easy with the help of reliable digital apps. These apps ensure that your documents are safe, accessible and legally valid when presented in digital format. Here are some top options:

• DigiLocker
  A government initiative, DigiLocker allows you to store digital copies of your documents such as driving license, RC and two wheeler insurance. It links directly with your Aadhaar and ensures authenticity and security. Documents stored here are legally accepted by traffic authorities.
• mParivahan
  Developed by the Ministry of Road Transport and Highways, mParivahan provides access to your vehicle-related documents. It also allows you to verify vehicle and driver details and even generate virtual RC and DL.
• BharatSewa
  An emerging digital platform that offers storage for various government-related documents. You can upload scanned copies of your vehicle documents and retrieve them when required.

By using these apps, you can ensure that your documents, especially comprehensive two wheeler insurance—are just a tap away, safe from loss or damage and ready when needed.

In conclusion

Not having either of these mandatory two-wheeler documents can attract heavy fines or even imprisonment up to a certain term. As a law-abiding citizen, it is your duty to be able to produce these documents whenever you are requested to do so by a traffic police officer.

In 2020, the MV Act, 1988, allowed vehicle owners to have digital copies of the aforementioned bike documents in the MParivahan or Digilocker app on their smartphones. That being said, it is still advisable to carry either the original or attested photocopies with you whenever you take your bike out for a ride.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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.