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. The government has made motor insurance mandatory while driving on Indian roads.

However, with monsoon gripping the country, the chances are that rain could come at any time and you may encounter wet and slippery roads. Riding a bike in such conditions can be extremely challenging. Buy bike insurance as it will secure you from any financial losses that occur due to road accidents.

Tips to maintain bike

Here are a few bike riding tips for the rainy season to make this a little easier:

• 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 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 take a risk. Check 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.

• Wrap yourself in waterproof gear

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

• 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 is 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.

• 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.

• Ride at slow speeds

Riding at high speeds is never recommended. During the rainy season, it becomes even more dangerous as the roads become wet and slippery. Therefore, always make sure to ride your bike within the permissible speed limit. If it starts to pour, slow down even further to prevent any chances of an accident.

Take extra precautions while making turns and slowing down at signals. Do not try to make any sudden movements on the bike. Also, never try any stunts when the roads are wet. Remember, it’s better to be safe than sorry.

• Accelerate or decelerate slowly

While riding in the rain, it’s very important to accelerate or decelerate very slowly. Do not try to open your throttle at once or apply hard brakes. This could lead to misbalancing of your bike on slippery roads. Use your accelerator and brakes gently. Maintain a safe distance from other vehicles moving on road so that you don’t have to apply sudden brakes.

Also, it’s important to follow the right technique for braking during wet conditions. It’s best to use both rear and front brakes in tandem to make sure no tyre is overwhelmed by friction and causes imbalance.

• Avoid water puddles

Splashing through the puddles can seem funny and entertaining, but it isn’t. If the puddle or pothole is deeper than you expect, you might lose control of your bike and fall. Moreover, sudden splashes of water may not be pleasant for a person walking by the side of the road or another bike rider beside you.

• Use anti-rust spray

Apply anti-rust spray or grease on exposed metal parts to create a protective barrier. It helps prolong the life of components during wet weather.

• Avoid parking under trees or in waterlogged areas

Trees can drip sap and attract birds, while stagnant water can damage tyres and engine parts. Always find elevated and sheltered parking spots.

• Renew or upgrade your two-wheeler insurance

The rainy season increases the risk of accidents and mechanical issues. Opt for two wheeler insurance online with comprehensive coverage or a basic and legally mandated third party insurance to stay financially protected.

How to drive safe during heavy rains

Driving in the rain requires care and caution. Here’s how you can stay safe:

• Slow down and maintain a safe distance

Wet roads are slippery. Reduce speed and keep a longer distance from other vehicles to give yourself more time to react.

• Avoid sudden braking or acceleration

Abrupt moves can cause skidding. Use gradual braking and smooth acceleration to maintain control over your bike.

• Use dipped headlights and working indicators

Visibility is often compromised in heavy rain. Keep your lights on low beam and use indicators in a timely manner to alert other drivers.

• Avoid waterlogged roads

Deep water can hide potholes and damage your engine or electrical system. Take alternative routes whenever possible.

• Wear reflective rain gear and a good-quality helmet

Invest in waterproof riding gear and a helmet with an anti-fog visor for improved safety and comfort during rides.

Frequently Asked Questions

• Is it necessary to buy two wheeler insurance online before the monsoon?

Yes. Monsoon increases the risk of accidents and damage. Buying two wheeler insurance online is a quick and efficient way to ensure you are covered before the season begins.

• What is the difference between comprehensive and third party insurance?

Third party insurance covers damage to others' vehicles or property, and is mandatory by law. Comprehensive insurance covers both third-party and own-damage expenses, ideal for rainy season protection.

• How can I prevent my bike from rusting during the rainy season?

Regular cleaning, drying, using anti-rust spray and storing the bike in a dry area are key ways to prevent rust.

• Can I ride through waterlogged areas with a bike?

It is best to avoid them. Water can enter the engine or exhaust and lead to stalling or long-term damage.

• How often should I get my bike serviced during monsoon?

It is ideal to service your bike at the beginning of the season and once more mid-season, depending on usage.

Conclusion

These tips for riding a bike in the rain can help you ensure pleasant and safe rides during the rainy season. To keep yourself and your bike financially protected against road accidents and other unforeseen mishaps, you can get a comprehensive bike insurance policy from ICICI Lombard. To know more about our bike insurance plans and their features.

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.

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

EV charging tips

Here are a few tips for properly charging your EV:

• 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 may 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 the 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.

• 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. 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 them efficient protection? Hence, we at ICICI Lombard would recommend getting our motor insurance to protect your bike from any damage!

As per battery experts, you should maintain your bike’s battery level between 30-60 percent. In between, you can also go for a 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.

• 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 the 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.

• Avoid charging your bike’s battery at extreme temperatures

The battery of your bike is sensitive to extreme temperatures, just like your body. To ensure a long life of your electric bike’s battery, avoid extreme temperatures while you’re charging or using it. Take extra care and precautions when you’re charging it.

It’s important to ensure that the temperature is not freezing or boiling while charging your bike’s battery. If you think it’s too hot or cold outside, you can keep your electric bike in a parked garage or inside your house.

• Do not store an empty battery

There can be times, such as lockdowns or days when temperatures are too hot or cold, when you will not require to use your electric bike for several days. During such times, you will have to store your bike’s battery or keep your bike still with its battery stored. As per the experts, you should never store the battery of your e-bike in a completely empty condition.

Instead, you should charge it to at least 60% before storing it. This will help in keeping the battery in proper shape when it’s not in use. Also, storing an empty battery may cause its cells to die and you may need to jump-start your battery when you want to use your e-bike again.

• Use proper charger and take good care of it

It’s important to use a proper bike battery charger for charging your e-bike’s battery. Try not to use locally made chargers. Instead, use the one provided by the bike manufacturer only. Also, you should take proper care of your bike’s battery charger just like the battery itself.

Do not switch on the mains before plugging the charger into the battery. Similarly, switch off the mains before unplugging the charger from the battery. Also, never leave your bike’s battery charger permanently connected to the mains.

How often should you charge your electric bike?

There is no one-size-fits-all rule for charging frequency, it depends on usage, battery capacity and the type of ride you do. However, a general rule of thumb is:

• Daily riders: Charge your electric two-wheeler every day or every alternate day, depending on battery depletion.
• Occasional users: Even if unused, batteries should be charged at least once every 2-3 weeks to avoid deep discharge.
• Top-up approach: Instead of waiting for the battery to fully drain, recharge when it drops to around 30%.

Being consistent with your charging schedule can help maintain battery performance. And don't forget, a solid two wheeler insurance policy can offer peace of mind while your EV powers you forward.

Tips to maximise lifespan of an electric bike battery

Maximising your EV battery’s lifespan is crucial not only for performance but also for long-term cost savings. Here are some proven tips:

• Maintain optimal charge levels: Avoid letting the battery hit 0 or remain at 100% for extended periods.
• Store properly when not in use: If you won’t use your bike for a while, charge the battery to half or 50% and keep it in a dry and cool place.
• Avoid aggressive riding: Constant high-speed riding or rapid acceleration can drain the battery faster and stress the cells.
• Clean your bike regularly: Dust and dirt can affect the cooling of battery systems. Ensure proper maintenance of both the battery and the bike.
• Get periodic checks: Some manufacturers offer software updates or diagnostic tools to improve battery health; use them.

As with any vehicle, protecting your electric bike with comprehensive two wheeler insurance ensures you are covered for battery issues, damages and more.

Conclusion

E-bike helps you build a sustainable mode of commuting, without harming the environment. However, it’s important to follow the above-mentioned tips while charging your e-bike’s battery to ensure its long life and powerful performance.

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

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.

Updated on 27-03-2025

When you purchase a new bike, the first thing you need to do is, get it registered at your nearest Regional Transport Office (RTO). After the process of registration is complete, a unique registration number is allotted to the bike, and a Registration Certificate (RC) is issued to the owner. As per the Motor Vehicle Law, this registration number is mandatory to drive a vehicle on Indian roads.

Also, by using the registration number of a bike, anyone can get its basic details such as the name of the owner, two wheeler insurance details, the validity of its Pollution Under Control (PUC) certificate, and road tax details. In case you don't know how to get a bike's insurance details by registration number, you are at the right place. We'll tell you in this article how to do so.

But, first, let's understand what the registration number of a vehicle is.

What is the Bike Registration Number?

As mentioned above, the registration number of a bike is a unique number allotted to it by the RTO where it is registered. This registration number acts as an identity card for the vehicle. It helps the traffic police authorities and the common public, know a vehicle's basic details including its RTO, fitness status, insurance details, engine and chassis number, PUC details, etc.

The basic format of a bike's registration number in India is "AA 00 AA 0000". Here, the first two letters denote the state in which the bike is registered. The following two-digit number is the code of the RTO where the bike's registration is done. The subsequent two letters indicate the RTO sequence, whereas the next four-digit number is the unique registration number allotted to the bike.

Note that the first six characters of two or more bikes can be the same, but the last four digits will always be different.

How to Check Bike Insurance Details by Vehicle Number? 

Getting your two-wheeler's insurance details by using its registration number is pretty simple. When you purchase or renew a two-wheeler insurance policy, it gets linked with your bike's registration number. To know your bike insurance details through its registration number, you can adopt any of the following methods:

• Visit the website of the Ministry of Road Transport and Highways parivahan.gov.in You need to go to the "Online Services" section and select "Vehicle Related Services". You will be redirected to a page where you will have to enter your bike's registration number, and all its details will be displayed on your screen.
• Download the "mParivahan" app on your smartphone. After registering in the app with your name and mobile number, you can enter your bike's registration number in the box and click on search. All the details about your bike, including its owner's name, fitness and road tax validity, and insurance details, will be displayed on your smartphone's screen.
• Visit the official website of the RTO where your bike is registered and enter the registration number of your bike to know its insurance details. You can also visit the RTO physically and furnish your bike's registration number to the helpdesk officer to know its insurance details.
• Visit the website of your insurance provider and you will be able to know your policy details by entering your bike's registration number and your registered mobile number. You can also approach your insurer's nearest branch office or contact its customer support number to get your bike insurance details through its registration number.

Buy or Renew Bike Insurance Online by Vehicle Number 

To get your bike insurance online- 

1. Go to the website of your insurance provider and put your vehicle number 
2. Find a plan that suits your needs 
3. Pay the insurance premium 
4. Check your email for a copy of the policy mailed to you 

Process of Bike Insurance Policy Download by Vehicle Number 

Follow these steps to download your insurance policy:

1. Visit the online portal or mobile website of your insurance provider 
2. Click on the “Policy Download” section 
3. Enter the registration number of your bike along with other details 
4. Verify yourself through the OTP sent to the registered mobile number 
5. You will find your insurance document 
6. Download and save the softcopy. Print it to keep a hard copy in your record for future use. 

What Happens When You Do Not Have a Vehicle Registration Number? 

If you do not have your vehicle registration number available with you, try these steps- 

1. Try to check your mailbox for any email confirmation from your insurance provider. 
2. Contact the insurance provider on call or through email to get the policy document.

Other Methods to Find Bike Insurance Policy Details 

You can also find your bike insurance details through- 

• The customer care department for your insurance provider 
• IIB or Insurance Information Bureau’s official portal 
• SMS alerts received from the insurance provider 

Why Should You Perform a Bike Insurance Check by Vehicle Number? 

Checking your bike insurance policy can be a simple and effective way to avoid future hassles. 

1. It saves you from any penalties that non-compliance with rules may cause. 
2. You will stay updated on the renewal date and other details of the insurance policy. 
3. In case of any accident or emergency, having your bike insurance details helps you file for an easy claim. 

FAQs

1. Is it possible to renew bike insurance using the vehicle registration number? 

Yes, most insurance providers allow you to renew your bike insurance online using the registration number. 

2. What should I do if my insurance details are not on the VAHAN portal? 

You can contact your insurance provider to check the details of your policy. 

Conclusion 

You can use any of the methods mentioned above to get your two-wheeler insurance details using its registration number. Alternatively, you can also visit the Insurance Information Bureau's website (www.iib.gov.in), which is developed by the Insurance Regulatory and Development Authority of India (IRDAI), to know your bike insurance details registration number.

In case you want to purchase or renew your bike insurance policy, you can visit ICICI Lombard's website and select "Two Wheeler Insurance". All you need to do is enter your bike's registration number, your mobile number and your e-mail id to get the quotes from us.

According to the norms laid down by the Central Government of India, the automotive industry in the country transitioned from BS4 to BS6 from 1st April 2020. BS6 or Bharat Stage 6 (or BS-VI) is the 6th iteration of the emission norm standardised and monitored by the Ministry of Environment and Climate change.

BS4 vs BS6: What is the BS6 norm?

Bharat Stage standards are based on the European (Euro) emission norms, a globally revered standard of vehicular pollution control measures. BS6 or Bharat Stage 6 standard is at par with the Euro 6 emission norms.

BS4 vs BS6: Why did we switch from BS4 to BS6?

Six among the top ten most polluted cities in the world are from India. The severity of air pollution in the country has worsened over time, and greenhouse emission from the motor vehicles largely contribute to the cause. Realising that something has to be done, the Central Government introduced the emission norms back in 2001. Since then, the policies have only been made tighter.

BS4 vs BS6: Key differences between BS4 and BS6

The country shifted from BS4 (BS-IV) to more stringent BS6 (BS-VI) norms. But how do they differ from each other? Let’s take a look:

• A new BS6 compliant engine now powers new cars and motorcycles
• BS6 compliant motor vehicles run on more refined BS6 fuel
• BS6 engines exhaust less volume of harmful gases (nitrous oxide, carbon dioxide, and other greenhouse gases)
• The combination of hydrocarbon and NOx (nitrous oxide) has declined by 43% in the BS6 diesel engines exhausts
• The BS6 engines running on BS6 fuel produce 50% less the volume of Particulate Matter (both PM2.5 and PM10)
• The BS6 compliant diesel cars come equipped with Diesel Particulate Filter (DPF) to filter the exhaust fume
• The sulphur content in the BS6-grade fuel has significantly been reduced to 10 PPM (Parts Per Million) compared to the 50 PPM in the BS4-grade fuel; an 80% decline in the PPM volume
• BS6 vehicles come with built-in Onboard Diagnostic (OD) feature

BS4 vs BS6: How does BS6 norm help the environment?

With the air quality worsening in some major Indian cities, it was necessary to take steps to cut down on the pollutants. BS6 or the Euro 6 emission norms address this very need, which is also a global concern. Here are the direct effects of BS6 norms:

• Less sulphur content is better for the environment: With more sulphur content, the motor vehicles emit toxic sulphur dioxide gas in the air. This sulphur dioxide reacts with the water vapour in the air and creates H2SO4 or the dangerous sulphuric acid. This reaction causes acid rain. The reduction in sulphur content in the BS6-grade fuel makes it possible to equip vehicles with better catalytic converters that filter the pollutants.
• Reduced volume of particulate matter: In the BS6-grade fuel, there is a steep decline (50% decline compared to BS4-grade fuel) in the volume of Particulate Matter (PM2.5 and PM10). PM2.5 is a dangerous pollutant that causes lung cancer.

BS4 vs BS6: Do BS4 vehicles run on BS6 fuel?

Since the BS6 fuel is more refined, the BS4 vehicles can run on it. At least the petrol vehicles don’t face any hiccup. Further, with BS4 diesel cars, companies have claimed that one may not notice any significant issue in the short run. However, experts have expressed their concern stating that using BS6-grade fuel in the BS4-diesel vehicles may show some early wear and tear signs in the long run.

That being said, there are numerous active BS4 diesel vehicles on the Indian roads which are running smoothly on BS6-grade fuel.

BS4 vs BS6: How have the BS6 norms impacted car/motorcycle’s performance?

When the BS6 norms were implemented, the car and motorcycle manufacturers tuned their engines to comply with the norms. This resulted differently in different segments of vehicles. Some of the cars now produce less power than their BS4 variants, albeit the decline is not that significant. On the flipside, BS6 cars offer a better fuel economy. The result is pretty similar in the case of motorcycles and scooters.

Also, the on-paper torque figures for both cars and motorcycles have remained unaltered and, in some cases, have even increased slightly.

It is important to know that with the introduction of BS6 norms, many automobile companies have refrained from launching their diesel vehicles. Whereas, some of the manufacturers have even discontinued their old diesel cars.

BS4 vs BS6: Effect of BS6 norms on consumers

The BS6-compliance vehicles got rolled out with a higher price tag, with cars becoming expensive by ₹50,000 to ₹90,000 as compared to their BS4 variants. The price of the newer BS6 compliant motorcycles climbed up by ₹3,000 to ₹10,000.

The fuel price was also speculated to hike because of the huge investment to upgrade the system from BS4 to BS6. However, it was capped by the government and was maintained at par with the existing BS4-grade fuel.

BS4 and BS6 which is best?

While BS4 vehicles were efficient in their time, BS6 vehicles are undoubtedly the better choice today. With modern engine technology, reduced emissions that ensure less pollution and thus long-term benefits for the environment, BS6 vehicles are the future of responsible driving. Whether you're insuring a BS6 two-wheeler or upgrading from a BS4 vehicle, it's crucial to choose the right bike insurance policy. Opting for comprehensive coverage over just third party bike insurance ensures better protection, especially for newer, more advanced BS6 models.

To conclude

It has been more than nine months the BS6 norms have been thoroughly implemented in India. The shift from BS4 to BS6 has skipped the middle stage – BS5, and this was a crucial move on the global scale. Leapfrogging the BS5 norms altogether helped reduce the gap between Indian standards and international standard of the vehicular pollution control measure. Eventually, it is making way for a safer environment and cleaner air to breathe. Also, don't forget to secure your ride with a suitable motor insurance policy. Remember that a car insurance or a bike insurance is mandatory as per the Motor Vehicle Act of 1988.

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.

As per the Motor Vehicles Act of 1988, all two-wheelers must have valid third-party insurance to ply on Indian roads. A standard bike insurance policy usually comes with a single-year tenure, after which vehicle owners have to renew the policy. If the policy is not renewed on time, the owner may face a fine of ₹2,000 and/or imprisonment of up to 3 months. For a repetitive violation, the bike owner may have to pay a fine of ₹4,000 along with imprisonment for the same term.

Digitisation has made bike insurance renewal easier by almost nullifying the paperwork requirements. You can now renew your bike insurance online from the comfort of your home.  In this blog, we have mentioned the mistakes to avoid and things to remember while renewing your two-wheeler insurance to ensure that the process is as quick and hassle-free as it is meant to be.

Mistakes To Avoid When Renewing Your Bike Insurance

Two-wheeler owners make a few mistakes while renewing their bike insurance policy. These mistakes may result in losing benefits or claim-related disputes. Listed below are some such errors which you can easily avoid:

1. Not claiming your NCB

The No Claim Bonus (NCB) is the insurance provider's reward to the policyholder for not raising a claim during the policy tenure. Often, customers forget to get this benefit at the time of renewal.

The NCB in bike insurance is essentially a discount, which you should claim without fail. It reduces the net premium amount that you have to pay for the renewal of your bike insurance policy. You can claim the NCB within 90 days after the policy expiry date. However, we always recommend renewing your bike insurance policy well before the expiry date to ensure optimum coverage.

2. Overlooking the terms & conditions

Insurance providers might regularly modify their terms and conditions to abide by the regulatory changes and maintain business proficiency. You should not assume that the policy terms will remain constant. Read all terms and conditions carefully while renewing your bike insurance to know the policy exclusions and ensure it still covers your requirements

Knowledge of the terms and conditions will keep you aware of structural changes in your bike insurance policy. Hence, you will be able to make an informed decision regarding the switch to a new insurer. Most importantly, it will keep you informed of what you can rightfully expect as compensation when you make a claim.

3. Not intimating the insurer about modifications

Some motorcycle enthusiasts love to customise their rides. If you also make certain modifications to your bike, you must provide the details of each modification to the insurance company at renewal. This will avoid any disputes in the event of a claim.

Many owners may think it is not a big deal if they do not provide the modification details. However, such negligence may render their cover ineffective and give the company a ground to reject or significantly reduce their claim amount.

4. Providing incorrect details

The biggest mistake (which you can easily avoid!) is giving incorrect details while renewing your bike insurance policy. You should carefully type in the details, such as registration number, previous policy number, owner's name, etc., while applying for renewal of the policy.

The insurance cover may become invalid if the name of the vehicle owner is found to be incorrect. Hence, you should keep your bike's registration certificate and previous policy document handy while renewing the policy so that you don't miss out on the exact details.

5. Not assessing the add-on requirements for your insurance coverage

Some owners wrongfully assume that add-ons on a bike insurance policy are only a way of increasing premiums without any benefit. Truth be told, add-on covers significantly enhance the coverage of your bike insurance policy. It can save you from huge expenses in the event of a mishap at the cost of a small premium increase.

Therefore, at the time of renewal, you should carefully assess what kind of add-ons you want to add or remove from your policy, depending on your bike's usage and condition. For example, if you plan to go on long rides, it would be wise to opt for the roadside assistance add-on to get help in case of an emergency.

6. Stretching the renewal process to the eleventh hour

It would be best if you renew your bike insurance policy well before its expiry date. Going for the policy renewal at the last moment leaves no time for assessing your actual insurance needs and making policy changes. Under such a scenario, you might pay the premium in a hurry and end up with a cover that does not fully serve your bike insurance requirements.

You can also renew your policy after it has lapsed, but doing so may lead to a higher premium and a need for inspection. It also leaves your vehicle unprotected against risks.

Factors to Consider While Renewing Bike Insurance Policy

 When renewing your two-wheeler insurance, consider the following key aspects:

1. Insurance Type (Comprehensive vs Third-Party)

When renewing your bike insurance, consider upgrading to comprehensive coverage if you currently only have third-party insurance. This offers more extensive safety and peace of mind in case your bike is involved in an accident.

2. No Claim Bonus (NCB)

No claim bonus for two-wheeler insurance is a discount offered by the insurer for a year when no claims were made. Ensure to get the NCB discount by renewing the policy within 90 days of the last tenure. If you fail to renew your bike insurance within this period, you may miss the NCB discount.

3. Insured Declared Value (IDV)

The Insured Declared Value (IDV) is the maximum sum assured by the insurer in the event of a total loss or theft of the vehicle. The IDV is typically determined based on the bike’s age and model. Ensure that your IDV reflects the current market value of your bike and is not undervalued to avoid financial loss in case of an accident.

4. Claim Settlement Ratio

Before renewing your policy, it's a good idea to check the insurer’s claim settlement ratio (CSR), which reflects the percentage of claims the insurance company has successfully settled. A higher CSR indicates the reliability of the insurance provider. You can change your insurer after checking the CSR to ensure smooth and hassle-free claims in the future.

5. Add-Ons

Review the available add-ons and assess whether any additional coverage would benefit you. Roadside assistance, engine protection, and accessories cover can increase the range of benefits your policy provides and ensure that you're well-protected in various scenarios.

6. Personal Accident Cover

While renewing your two-wheeler insurance, check if you have a personal accident cover and purchase the same to ensure legal compliance and financial protection in case of any casualty to the owner during an accident.

FAQs

Q1: How can I reduce the premium on my bike insurance?

You can reduce the premium on your bike insurance by opting for higher deductibles, maintaining a good claim history, installing anti-theft devices, or bundling your policy with other types of insurance.

Q2: Is it necessary to renew bike insurance every year?

Yes, it is mandatory to renew bike insurance annually as per Indian law. If you are caught without a valid policy, it may result in penalties and other legal consequences.

Q3: Can I renew my bike insurance online?

Yes, most insurers offer online renewal services. It is a quick and convenient way to renew your bike insurance without having to visit the insurer’s office.

Q4: What happens if I do not renew my bike insurance on time?

If you do not renew your bike insurance on time, your coverage will lapse, leaving you financially exposed in case of an accident or damage. Additionally, you may incur a penalty or face difficulty obtaining coverage if your policy lapses for a long period.

Conclusion

The process of renewing your two-wheeler insurance can seem tricky, and mistakes made in the process can result in legal penalties and can delay the claim process. While renewing your bike insurance policy, do your homework and provide all information correctly.

You can buy or renew your motor insurance policy at affordable rates from ICICI Lombard.

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 is home to some of the most polluted cities in the world. As per the data published by the World Health Organisation in 2016, excessive air pollution is the fifth largest reason for deaths in India. In fact, among the top 100 most polluted global cities (in terms of Particulate Matter PM10), 30 cities are from India.

One of the primary reasons behind India's imprudent air pollution is the harmful emissions from millions of vehicles plying daily on roads. In Delhi alone, vehicular emissions contribute to 59%, 50%, and 18% of the harmful carbon monoxide, hydrocarbons, and nitrous oxides discharge into the air.

To curb the perennially rising air pollution in India, the Central Government laid down stricter BS6 emission norms for vehicles in 2017. Further, the Government made it mandatory for all cars and two-wheeler manufacturers to sell and register only BS6 compliant vehicles from 1st April 2020.

In case you're wondering how the Indian two-wheeler industry has been impacted due to this BS6 norm, this article is for you. Here, you will know everything about the implementation of BS6 emission standard in India and how it will impact the pricing, hardware, fuel, lubricant technology, and manufacturing of the new bikes and scooters. Read on.

What is BS6 emission standard?

BS6, or Bharat Stage 6, is the most advanced emission standard for automobiles in India. It is equivalent to Euro VI norms, which is currently in place in various European countries. Considering the constantly rising air pollution in our country, the Indian Government decided to leapfrog directly from BS-4 to BS-6 emission standards to control vehicular pollution.

Accordingly, the entire automobile industry was asked to phase out all their BS-4 vehicles and sell only BS-6 cars and two-wheelers after the deadline of 1st April 2020.

How has two-wheeler manufacturing changed due to the implementation of BS6 norms?

Transitioning from BS4 to BS6 norms requires significant changes in engine technology for two-wheeler manufacturers in India. These changes include improvements in engine combustion and calibration, enhanced fuel injection and cylinder pressures, and after-treatment solutions for NOx and PM.

The BS-6 norms make it mandatory for two-wheeler manufacturers to introduce a fuel injection system for the first time in India. As an aftereffect of this system, carbon emission from the petrol engines of two-wheelers has reduced significantly. Also, the BS6 engines are observed to be less powerful but more fuel-efficient.

With the global temperature on a steady climb, the last thing the world needs is more pollution. When we deplete fossil fuels, we will eventually have to bank on an alternate power source. Many enterprises have realised this need and, therefore, have started manufacturing EVs (electric vehicles). To contribute to a greener future, the Indian automotive industry is making a gradual shift to electric power.

Although electric vehicles have not been widely accepted by the Indian market yet, they're certainly a part of the future. The government is trying to push it, offering substantial subsidies to customers buying electric scooters or EVs in India.

What are electric scooters?

An electric scooter is a two-wheeler vehicle like any other motorbike or scooter; the only difference is that an electric scooter does not run on petrol or diesel. Instead, an electric motor and a battery power it. Electric scooters cause zero-emission and zero noise pollution – making this category of two-wheelers the most viable alternative to deal with pollution.

Is bike insurance compulsory for electric scooters?

No. When it comes to e-vehicles, Indians have widely accepted the e-rickshaws, but the market for electric two-wheelers and EVs is still small. Despite the monetary benefits from the government, customers are shying away from these vehicles. This may be one reason why the government had not laid out any definitive rule or guideline for electric scooters' insurance (especially for the low-speed ones).

However, there are other electric scooters in India - mighty beasts with high-powered motors that generate huge torque and power. In terms of top speed, these electric scooters are equivalent to their petrol counterparts and can reach up to a rate of 80-90kmph.

You must hold a valid two-wheeler license to ride one of these powerful electric scooters in India. They also require registration and a valid two-wheeler insurance policy.

Benefits of having bike insurance for your electric two-wheeler

Apart from complying with the law, there are other reasons why you must buy two-wheeler insurance for electric scooters-

1. Electric scooters are expensive

Despite all the government's efforts to promote the purchase and use of electric scooters in India, the demand has not witnessed any upheaval. One strong reason for this shyness is the price of battery-operated scooters in India. These electric scooters cost relatively higher than petrol-driven scooters or motorcycles. Therefore, it becomes a necessity to protect it from any accidental damages. Since these scooters are expensive, the repairing cost can go very high, and a comprehensive insurance policy can be a saviour for you.

2. Some electric scooters are powerful machines

We have mentioned earlier that some of the electric scooters don't need registration. Further, you don't even need a valid license to drive one such. This exemption of rule was allowed because these e-scooters produce less power and cannot go beyond 25kmph. Though, on the other hand, that's not the case for modern electric scooters.

In the last few years, automobile manufacturers have introduced many electric scooters in India with powerful engines that can produce high torques. These two-wheelers can accelerate in a blink of an eye and reach a top speed of around 80-90 kmph. And in case of any unfortunate event, comprehensive two-wheeler insurance can shield you from hefty repairing costs.

FAQs

1. How can I purchase two wheeler insurance online for my electric scooter?

Many insurance providers offer online platforms where you can compare policies, customise coverage, and purchase insurance conveniently from your home.

2. What is third-party insurance for two wheelers?

Third party insurance is a two-wheeler insurance policy covering only the third-party liabilities. In case of an accident where you hurt someone or damage third party property, this policy will cover the expenses – medical expenses in case of an injury caused to a third-party as well as other damages caused to the victim's vehicle or property. This type of insurance policy does not cover damage to your own scooter.

3. Are there specific insurance policies tailored for electric scooters?

Several insurers offer policies specifically designed for electric scooters, considering their unique features and potential risks.

4. Does insurance cover the battery of the electric scooter?

Coverage specifics vary by policy. It is essential to review the terms to ensure components like the battery are included.

5. How does the electric scooter insurance premium compare to petrol-powered scooters?

Premiums for electric scooters are often lower due to their reduced risk profile and lower top speeds, but rates can vary based on the insurer and coverage details.

6. What is a comprehensive insurance policy for two wheelers?

In simpler words, this is a more inclusive two-wheeler insurance policy. A comprehensive bike insurance policy  provides optimum cover for the insured vehicle against any man-made or natural disaster. Apart from third party liabilities, this insurance policy covers your scooter's repair expenses in case of accidents, theft and malicious damage.

Conclusion

As India's electric scooters' market is still in a nascent stage, the motor insurance premium for such vehicles is affordable. If you want to renew or buy a two-wheeler insurance policy, you can visit our website and take a free quote. ICICI Lombard offers various two wheeler insurance online plans, with benefits such as cashless repair at network garages and hassle-free claims.

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. 

Two-wheelers are one of the most convenient and cheapest modes of commuting in India. Not only do they help you cover short distances in no time, but they are also fuel efficient. Few things in this world can match the thrill and excitement of riding a two-wheeler. If you happen to be a bike enthusiast, you must be well-versed with the different parts of your all-weather companion on the road.

However, not many people have deep knowledge about the essential parts that are common to every two-wheeler. If you are also among one such person, this article is for you. Here, we have listed and described some basic two-wheeler spare parts, including engine, gear, clutch, accelerator, brakes, tires, fuel tank, and exhaust pipe. We have also listed some two-wheeler maintenance tips. Read on.

15 Essential Parts of Your Bike and Their Maintenance Tips

While bike insurance provides coverage in case of an emergency, knowing about the essential parts of your bike and tips for their maintenance play a big role in minimising the risk of an accident-

1. Engine

The engine of a bike or scooter is often called its heart. This is what powers a two-wheeler and is responsible for its performance. The combustion of the fuel takes place in an engine and after that, other parts of the vehicle start moving. For bikes, the engine is usually located on the front, whereas, for scooters, the engine is on the rear side.

Regular inspection and servicing are essential for the longevity of the engine. Hence, you must take your two-wheeler for servicing every four to six months to keep its engine fresh and efficient. You should also add an Engine Protect Cover to your comprehensive bike insurance policy, which will cover the repair expenses for regular wear and tear of your bike's engine. Our Private Car Package Policy comes with an Engine Protect Plus add-on, which you can purchase at a nominal extra premium.

2. Brakes

Brakes are one of the most important components of a two-wheeler. They are used to decrease the speed of the vehicle. There are two types of brakes – disc brakes and drum brakes. You need to apply the brakes when you halt your moving vehicle.

In the case of motorcycles, the front-tyre brake is located on the right-hand side of the handlebar, whereas the rear-tyre brake is presented in the form of a lever that the rider can press with his/her right leg. In the case of scooters or mopeds, both the brakes are located on the handlebar. Check brake pads and discs for wear and replace them when needed. Maintain proper brake fluid levels and replace it every 1–2 years. Avoid sudden or excessive braking to prevent unnecessary wear.

3. Tyres

The tyres separate a vehicle from the road. As the name suggests, every "two-wheeler" is equipped with two tyre – one at the front and one at the rear. There are two types of tyres – tubeless tyre and tube tyre. Different thread patterns are designed on a tyre's surface to ensure adequate grip and friction with the road.

Note that you should maintain optimum tyre pressure all the time. It will help you maintain the balance of your bike and increase the fuel efficiency of your two-wheeler. Also, when the thread patterns of your bike's tires start flattening, you should change them.

4. Clutch and gear

Clutch and gear are a set of components that are exclusive to motorcycles or bikes. While the gear is used to control motion and torque, the clutch is used to apply brakes and change gears during the ride. Gears are usually presented as a lever that the rider can press with his/her left leg, whereas the clutch is located on the left-hand side of the handlebar.

Like other mechanical parts, the clutch and gears of a motorcycle should be serviced regularly. The clutch should be adjusted to allow an optimum level of free play. An over-tightened clutch could cause difficulty in riding and reduce the fuel efficiency of the motorcycle.

5. Accelerator

The accelerator is another important component, which is present in both bikes and scooters. It is present in the form of a throttle on the right-hand side of the handlebar of every two-wheeler. The accelerator is used to increase the speed of the vehicle while riding. When a rider revs up the accelerator in a clockwise direction, the speed of his/her two-wheeler increases. Properly lubricate your bike accelerator mechanism, check the springs, and replace them if needed.

6. Exhaust pipe

Exhaust pipe of a two-wheeler acts as a funnel, diverting high-pressure exhaust gases and releasing them into the atmosphere. It is also known as a silencer or front pipe in India. The exhaust pipe is usually made up of mild steel that may or may not be coated with grades of stainless steel.

It is very dangerous to ride a two-wheeler with a choked exhaust pipe. This can cause harmful gases to accumulate within the gas chamber, leading to a blast in a worst-case scenario. Therefore, you should regularly clean your bike's exhaust pipe and ensure that there is no rusting at its surface.

7. Fuel tank

As the name suggests, the purpose of a fuel tank is to store fuel. The capacity of the fuel tank varies from vehicle to vehicle and it can range between 5 to 15 litres for a two-wheeler. There is a cap on the top of the fuel tank which is used to suffuse petrol into it. The fuel tank is usually located above the engine.

Fuel tank should be cleaned regularly to avoid the formation of rust as it can react with petrol to form a dangerous combination. You can use baking soda or white vinegar to clean your bike's fuel tank.

8. Headlamp and tail-lamp

The headlamp and tail lamp of a two-wheeler are the lights that assist the rider and others on the road. Headlamps also called the eye of the vehicle, are in front of the two-wheeler and are used during the night or foggy conditions for clear visibility of road and other vehicles.

On the other hand, the taillight is located on the back of the two-wheeler so that other vehicles running on the road can spot your bike easily and maintain a safe distance.

To keep the headlamp and tail-light in good condition, clean the light covers to enhance brightness. Replace damaged or fused bulbs immediately. Check the alignment of headlights for proper visibility.

9. Chain

The chain transfers power from the engine to the wheels, ensuring the bike moves efficiently. Over time, the chain can loosen, causing slippage and wear. Chains vary in design and size depending on the type of two-wheeler. An easy way to maintain your bike chains is to lubricate them every 500–700 km. Check and adjust chain tension to the recommended level. Regularly clean the chain to remove dirt and prevent rust.

10. Suspension System

It absorbs shocks and provides a comfortable riding experience on uneven roads. It also ensures stability and control. Regularly inspect the suspension for oil leaks or damage. Get it checked during regular servicing. Replace worn-out components for optimal performance.

11. Gearbox

It allows you to control the bike’s speed and power output by selecting the appropriate gear. Change the gearbox oil as per the service schedule. Address any difficulty in shifting gears promptly. Avoid harsh or improper gear changes to prevent damage.

12. Spark Plug

The spark plug ignites the air-fuel mixture in the engine, enabling combustion. It is a small yet crucial component for the bike’s operation. Inspect the spark plug for deposits or wear. Clean or replace it if necessary. Ensure the gap between electrodes is set as per manufacturer specifications.

13. Air Filter

The air filter prevents dust and debris from entering the engine, ensuring clean airflow for combustion. Clean or replace the air filter regularly, especially in dusty environments. Use only manufacturer-recommended filters. Check for clogging during servicing.

14. Indicators and Horn

Indicators and the horn ensure safe communication with other road users, helping you signal turns or warn others of your presence. Check and replace faulty indicator bulbs. Test the horn regularly and replace it if it malfunctions. Clean the components to prevent dirt buildup.

15. Seat and Upholstery

The seat provides comfort for the rider and enhances the bike’s aesthetics. A damaged or dirty seat can affect the riding experience and lead to bad posture and physical discomfort. Clean the seat with a mild detergent and water. Use a cover to protect it from sunlight and rain. Replace torn upholstery for better comfort.

FAQs

1. How often should I service my two-wheeler?

   You should service your bike every 3,000–5,000 km or as per the manufacturer’s recommendation.

2. What should I do if my bike’s brakes feel weak?

   Check the brake pads, discs, and brake fluid levels. Replace any worn-out parts.

3. How can I improve my bike’s mileage?

   Maintain proper tyre pressure, use high-quality fuel, and service your bike regularly.

4. When should I replace the tyres?

   Replace tyres when the tread depth is less than the recommended level or if they show signs of wear and cracks.

5. How do I know if my spark plugs need replacement?

   If your bike has difficulty starting or has a drop in performance, inspect and replace the spark plug if necessary.

Conclusion

If you own a two-wheeler or intend to buy one in the future, you must know about these common two-wheeler parts. Going for regular servicing will help you keep your ride in top share. Also, you should obey all traffic safety rules while riding your two-wheeler to ensure a safe and secure ride. Furthermore, you should procure a comprehensive two-wheeler insurance policy, which keeps your vehicle financially secured against adversities. Motor insurance is crucial to protect you and your bike in case of an accident or mishap.

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.

As per the Motor Vehicles Act of 1988, third-party motor insurance is mandatory for all types of vehicles running on Indian roads. If someone is caught driving without a valid third-party insurance policy, he/she may have to pay a fine of up to ₹2,000 or face imprisonment for up to three months or both.

Hence, buying a third-party bike insurance policy is not a choice for two-wheeler owners in India but a mandatory obligation by law. But, do you know what exactly is third-party insurance, what its benefits are, and how to claim 2-wheeler insurance 3rd party?

In case you don't, this article is for you. Continue reading.

What is third-party two-wheeler insurance?

Third-party two-wheeler insurance protects the owner/driver of the insured vehicle against any legal liabilities that may arise in case his/her vehicle causes death, bodily injuries, or property damages to an unknown third party. It means that in case an insured vehicle gets involved in an accident and causes financial loss or damage to a third party, the insurance provider takes care of the legal expenses.

As stated previously, a third-party insurance  policy is mandatory for all bikes and scooters running on Indian roads. A rider must carry the policy document all the time while riding his/her two-wheeler. The Insurance Regulatory and Development Authority of India (IRDAI) fixes the premium amount for third-party insurance for different vehicles.

What is covered by third-party insurance?

The mandatory third-party insurance covers legal liabilities that can be claimed by a third party only when the owner or driver of the insured vehicle is at fault. It provides coverage for the following conditions:

• Cover for third-party death or bodily injuries

When an insured two-wheeler causes bodily injuries to a third party, with the rider of the two-wheeler at fault, the third-party insurance will cover the hospitalisation or treatment costs of the injured person(s). In case the insured two-wheeler causes the death of a third party, the insurer will pay a compensation amount (as decided by the tribunal court) to the victim's kin.

• Cover for third-party property damage

When an insured two-wheeler gets involved in an accident and causes damage to the surrounding property, the third-party insurance provider pays for financial losses to the victim. There is no limit on the maximum coverage amount for death or injury, but for compensation against property damage, the maximum coverage is capped at ₹7.5 lakhs.

• Personal accident cover

Along with the basic liability cover, you can also include a personal accident cover of up to ₹15 lakh for the owner-driver of the vehicle. It means that in case the owner of the two-wheeler gets injured during an accident, the vehicle's insurance will cover the costs required for his/her treatment or hospitalisation.

How to file a third-party insurance claim?

The claim process for third-party two-wheeler insurance is a bit complex. You need to remember that the claim is entertained only if the victim or claimant can prove that the owner or driver of the insured vehicle was at fault, due to which the accident took place. A special tribunal court decides whether the insurer should pay the compensation to the victim and how much amount should be paid to him/her.

Below are the steps in which you can register a third-party insurance claim:

Click photographs or record visuals of the damages suffered by you.

Note down the registration details of the vehicle that caused the damage. If possible, also note the contact number and details of the third-party insurance policy.

Check if someone witnessed the accident and note their contact details. These eyewitnesses will be of great importance later.

Register an FIR at the police station under whose jurisdiction the accident took place. You need to mention the exact details of the accident in your FIR.

Register a case with the Motor Accident Claims Tribunal court with the help of a lawyer. You need to prove in the court that the vehicle owner was guilty by furnishing relevant documents, photos and videos, and eye-witnesses.

The tribunal court will decide the compensation amount (if any) the insurance provider needs to pay to you.

Things to keep in mind while filing the claim

Chances are that the tribunal court might reject your claim if it does not find it valid. Below are the things you should keep in mind while filing the third-party insurance claim:

• Avoid running from the accident spot.
• Try to take as many photos and videos before letting the vehicle(s) move.
• Be honest. Don't exaggerate the accident to get your claim passed.
• Seek immediate medical help in case of serious injuries.
• Avoid any monetary settlement at the accident spot. Take the legal route.
• Collect as much evidence as you can to substantiate your claim.
• Be patient with the process. Don't get panic or angry.
• Co-operate with different authorities at different stages.
• Ensure proper documentation through the claim settlement process

Though the purpose of the third-party insurance is to protect the third party, the ratio of claim settlement remains very low. Besides, a third-party insurance claim is a complex and time-taking process. You need to be diligent and spot-on with all the documents and visual evidence to substantiate your case in the tribunal court.

Documents required for claiming third-party insurance

When filing a third-party insurance claim for your two-wheeler, it's essential to gather and submit the necessary documents to ensure a smooth and efficient process. Whether you hold a basic third-party policy or a comprehensive bike insurance plan, having the correct paperwork is crucial. Here's a list of documents typically required:

1. Duly Filled and Signed Claim Form: This form initiates the claim process and must be completed accurately.
2. Copy of the Police FIR: An FIR provides an official record of the incident and is mandatory for third-party claims.
3. Insurance Policy Document: A copy of your current two wheeler insurance policy serves as proof of coverage.
4. Driving License Copy: A valid driving license of the person riding the bike at the time of the incident is required.
5. Registration Certificate (RC) Copy: This document verifies the ownership and registration details of your two-wheeler.
6. Repair Estimates or Bills: If there is property damage, provide estimates or bills for the repairs.
7. Medical Reports and Bills: In cases involving bodily injuries, submit relevant medical documentation.
8. Witness Statements: If available, statements from witnesses can support your claim.
9. Photographs or Videos of the Accident Scene: Visual evidence can help substantiate the circumstances of the incident.
10. Stamp (for Commercial Vehicles): If the claim involves a commercial vehicle, a company stamp may be required on the documents.

If you have a comprehensive bike insurance cover, you may not need to file a third-party insurance claim as any damage to your bike will be covered by it. In the absence of a comprehensive cover, do remember to note the vehicle's registration number at fault. This will help you in tracking and filing a case against the vehicle owner.

At ICICI Lombard, we offer comprehensive bike insurance - Two Wheeler Package Policy, along with third-party insurance - Two Wheeler Liability Policy as well. You can take a look at the respective product coverage and purchase the policy that best suits your needs.

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.