Are you thinking about upgrading your daily ride and torn between an electric scooter and a petrol scooter? The choice is not just about looks or brand—it’s about understanding what powers them and how it impacts your daily life. Electric scooters run on batteries, while petrol scooters rely on gasoline.

This basic difference affects costs, maintenance, and environmental impact. Much like knowing the specs of a bike before you buy it, picking the right kind of scooter ensures you end up with a vehicle that matches your commute, budget, and values. Let’s get into the details of electric vs petrol scooters and what sets these scooters apart.

Pros and Cons of Electric Scooters

Electric scooters run on lithium-ion batteries and support sustainable city travel. Let us explore the pros and cons of electric scooters to see if they suit your urban commuting requirements:

• Pros:

  
  Environmental Impact: Electric scooters contribute significantly to reducing urban carbon emissions. Studies suggest they produce up to 30% fewer carbon emissions than their petrol counterparts. Their zero-emission operation makes them an excellent choice for reducing one's carbon footprint.

• Cost-Effectiveness: Operating an electric scooter is considerably cheaper than a petrol scooter. They can travel as far as petrol scooters on just 15% of the fuel cost. Additionally, the maintenance of electric scooters involves fewer expenses.

• Quiet Operation: Electric scooters are known for their silent operation, which makes rides more pleasant and reduces noise pollution in urban environments.

Cons:

• Range and Charging Limitations: One of the primary drawbacks of electric scooters is their limited range. Most models can only travel a limited distance before needing a recharge—this can take several hours. It also makes them less suitable for long-distance travel unless infrastructure for charging is readily available.

• Higher Initial Investment: The initial purchase price of electric scooters is generally higher than that of petrol scooters even though the running costs are lower. This cost is often mitigated over time through savings on fuel and maintenance.

• Convenience: Recharging an electric scooter requires planning and access to charging stations, which may not be as common as petrol stations.

Pros and Cons of Petrol Scooter

Petrol scooters use gasoline and have been a dependable choice for years. They are reliable and refuel quickly, and it makes them an accessible option.

Pros:

• Range and Convenience: Petrol scooters are known for their long range and ease of refuelling. Unlike electric scooters that require several hours to recharge, petrol scooters can be refuelled in minutes at any of the widespread petrol stations. This makes them highly convenient for long-distance travel and spontaneous trips.
  
  
• Variety and Cost: The market for petrol scooters offers a wide range of models, from low-cost options to high-performance scooters, catering to a broad spectrum of consumers. Petrol scooters are generally more affordable in terms of initial purchase price compared to electric scooters.

• Immediate Power: Petrol engines provide instant torque and power, which can be advantageous in situations requiring quick acceleration and higher speeds. This also makes petrol scooters a preferred choice for riders looking for performance-oriented vehicles.

Cons:

• Environmental Impact: The major downside to petrol scooters is their environmental footprint. They emit carbon dioxide and other pollutants that cause air pollution—which is a growing concern for many consumers.

• Operational Costs: Running a petrol scooter is often more expensive over the long term due to the high costs of petrol. These scooters also need maintenance more often than electric ones. This includes oil changes, engine servicing, and replacing various mechanical parts prone to wear and tear, which can add up financially.

• Noise Pollution: Petrol scooters are noisier than their electric counterparts and contribute to noise pollution in urban settings. This can be a drawback for users looking to reduce noise levels in densely populated areas.

To make an informed decision between an electric scooter and a petrol scooter, it's essential to understand the distinct differences that define each type. Let's dive into the details:

Which One To Choose?

Deciding between an electric and a petrol scooter is an important choice that depends on several factors, including your daily transportation needs, environmental impact, and financial considerations. Here's a comprehensive breakdown to help guide your decision:

Commute Type

• Electric Scooters: Electric scooters are ideal for short to medium urban commutes. They perform well in cities with growing charging infrastructure and are favoured for their quiet operation and zero emissions.
• Petrol Scooters: Petrol scooters are better suited for longer commutes or travel in areas with sparse charging options. Their quick refuelling capability and longer range make them practical for extensive travel without worrying about battery range.

Environmental Concerns

• Electric Scooters: Electric scooters reduce environmental impact significantly by producing zero tailpipe emissions. They help lower urban air pollution and global carbon emissions.
• Petrol Scooters: Petrol scooters emit pollutants that contribute to air pollution. This could conflict with tightening environmental regulations.

Budget Constraints

• Initial Cost: Electric scooters generally require a higher upfront investment, mainly due to the battery technology, but this may be offset by long-term savings and potential incentives.
• Operational Costs: The operational costs tend to be lower for electric scooters due to cheaper electricity and minimal mechanical maintenance. While petrol scooters are often cheaper initially, they incur higher fuel and maintenance costs.

Lifestyle Compatibility

• Electric Scooters: Electric scooters are best for those committed to an eco-friendly lifestyle or living in areas with access to green technologies.
• Petrol Scooters: Petrol scooters offer flexibility for those who need reliable transportation that does not depend on charging infrastructure. They are suitable for frequent long-distance travel or rural living.

Conclusion

Choosing between an electric and a petrol scooter involves balancing cost, convenience, and environmental impact. Electric scooters may have lower insurance premiums due to their eco-friendliness and simpler mechanics, but their higher purchase price could offset those savings. Petrol scooters, while more common and technically simple, may incur higher insurance costs over time due to maintenance needs and engine issues. Remember, no matter what suits you best, it is prudent to acquire a comprehensive two wheeler insurance policy to safeguard your ride and obtain financial protection against mishaps or other harm. Consult with insurance experts to find the coverage that offers the best value and protection for 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.

Are you ready for a ride on your motorcycle, eager to feel the freedom of the open road? There's nothing quite like the excitement of a bike journey, whether it's a quick commute or a leisurely scenic ride. But what happens when that joy is interrupted by a sputtering engine or a complete stall?

Often, the reason is something as simple as low engine oil. That's why regularly checking and maintaining your bike's oil level is essential. It helps prevent these disruptions and ensures your rides stay smooth and trouble-free. Let’s explore how to routinely check your bike's engine oil and keep it road-ready and reliable.

Steps On How To Check Engine Oil Level In Bike

Engine oil is essentially a lubricant for your bike’s engine components. It also reduces friction, prevents wear, and helps cool the engine by removing heat from moving parts. Here is a detailed step-by-step guide on how to check the engine oil level:

• Prepare Your Bike: Make sure your motorcycle is on a flat surface and has been turned off for a few minutes. This allows the oil to settle in the sump and provides an accurate reading. Ensure the engine is cool enough to touch but still slightly warm, as this prevents the oil from thickening due to excessive cooling, which can skew the reading.

• Locate the Dipstick/Oil Window: Identify whether your bike uses a dipstick or an oil inspection window. They are commonly found on the side of the engine.

• Dipstick: A dipstick typically has a ring or loop for pulling and is often screwed into a tube that dips into the oil pan.
• Oil Window: An oil window is a clear glass or plastic window with high and low marks.

• Checking Engine Oil Level Through the Dipstick:

• Locate the Dipstick: Find the dipstick on your bike, which is typically secured on the top or side of the engine.
• Clean the Dipstick: Take the dipstick out and clean it gently using a lint-free cloth. This removes any residual oil that could skew the reading.
• Insert and Remove Again: To check the oil level put the dipstick back into its tube and then take it out again.
• Check the Level: Ensure the oil mark is between the minimum and maximum lines. An oil level below the minimum indicates that your bike needs more oil.

• Checking Engine Oil Level Through the Oil Level Window

• Find the Level Window: Locate the oil level window, generally found at the lower part of the engine casing.
• Check Oil Level: Keep the bike upright and stable, and look through the window to see where the oil level lies relative to the high and low markings.
• Top Up as Needed: Add oil gradually if the oil level is near or below the lower marker. Be careful not to overfill.

• Assess the Oil Quality

• Colour and Clarity: Good oil is generally amber in colour and fairly clear. The oil turns darker as it deteriorates, indicating contamination or wear. Regularly checking the oil’s colour can help assess its condition and determine when it needs replacing.
• Smell and Texture: If the oil feels gritty or smells burnt, it is a sign that it needs to be changed.
• Metal Particles: The presence of metallic particles can indicate internal wear. Consult with a mechanic if you observe this.

• Top Up the Oil: Use the type and grade of oil recommended in your motorcycle’s manual. Pour the oil slowly into the engine by periodically checking the level to ensure you do not exceed the maximum mark. Taking your time during this process ensures proper oil distribution and prevents overfilling, which can lead to engine issues. Regularly monitoring the oil level is a simple but effective way to maintain engine health.

• Important Points to Keep in Mind

• Stance: Ensure the bike is upright and not leaning to one side during the check.
• Temperature: Perform the check when the engine is warm for a more accurate level reading.
• Regular Maintenance: Check the engine oil level regularly every few weeks or before long trips—it helps detect leaks or changes in oil quality early.

Conclusion

Checking your motorcycle's engine oil regularly is key to smooth rides and avoiding expensive repairs. But motorcycle care involves more than just upkeep. It's equally important to have appropriate bike insurance to cover unexpected costs from accidents or theft. Keep your bike in great shape and ensure your insurance policy is up to date—this can protect your investment when you need it most. Additionally, don’t forget to regularly review your policy with insurance experts to make sure your coverage meets your needs—it provides great peace of mind. Regular maintenance combined with solid insurance gives you the confidence to ride worry-free, knowing you're covered in any situation.

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.

Have you ever wondered how the right engine cooling system impacts your bike's performance during long rides across diverse terrains? Choosing the right cooling system—be it air-cooled, oil-cooled, or liquid-cooled—is crucial to make sure that your bike performs optimally and lasts longer. Each engine type offers unique benefits, designed to handle anything from high-speed highway runs to slow-moving city traffic. They improve your bike’s efficiency under different environmental conditions. By understanding the differences between air-cooled vs liquid cooled vs oil cooled, you can make an informed choice and reduce your trips to the mechanic. Let's dive in!

What are Oil-Cooled Engines?

Oil-cooled engines improve performance and longevity by using engine oil as a dual-purpose fluid: both a lubricant and coolant. Unlike traditional air-cooled engines, oil-cooled engines include a dedicated oil cooler that efficiently regulates the engine's temperature.

Benefits Of Oil-Cooled Engines

Oil-cooled engines optimise engine performance through advanced temperature management. Here’s how this technology balances efficiency, reliability, and cost-effectiveness:

• Improved Cooling Capacity: Oil can absorb more heat than air because it has a higher heat capacity. This makes oil-cooled engines particularly effective in managing heat under demanding conditions, leading to a better cooling effect.

• Efficiency and Performance: The superior cooling capability ensures consistent engine temperatures, enhancing performance and preventing overheating. This is crucial for vehicles operating in hot climates or under high-performance tasks.

• Reliability: By stabilising the engine temperature, oil cooling extends the lifespan of engine components that might otherwise degrade due to fluctuating or excessive heat.

• Simplicity and Cost-Effectiveness: Oil-cooled engines are simpler and often less expensive than liquid-cooled systems. They lack the extensive network of hoses, pumps, and radiators required by liquid systems, reducing the risk of leaks and mechanical problems.

• Middle Ground in Cooling Technology: Oil-cooled engines offer a balance between the simplicity and lightweight design of air-cooled engines and the superior cooling performance of liquid-cooled engines.

What are Air-Cooled Engines?

Air-cooled engines manage their operating temperature by harnessing the surrounding air. Their design incorporates fins around the engine's cylinder and head, which increase surface area and enhance heat dissipation. Air flows over these fins naturally as the vehicle moves, facilitating the transfer of heat away from the engine. This helps maintain a stable temperature even during extended use. This cooling method is one of the oldest and most reliable in engine design.

Benefits Of Air-Cooled Engines

Air-cooled engines are a time-tested technology featured in many motorcycles and lightweight vehicles. Their advantages include:

• Simplicity and Reliability: Air-cooled engines eliminate the need for a liquid coolant system, removing components such as radiators, water pumps, and coolant hoses. This translates to fewer mechanical parts that could potentially fail. As a result, air-cooled engines are generally more reliable and easier to maintain. The absence of complex coolant circuits also minimises the risk of leaks.

• Reduced Weight: The lack of heavy cooling apparatus, like radiators and coolant fluids, makes air-cooled engines lighter. This reduction in weight improves the vehicle’s fuel efficiency and handling, making it a good choice for smaller vehicles.

• Cost-Effectiveness: Manufacturing air-cooled engines involves fewer components and less complexity, resulting in lower production costs. This translates to lower maintenance costs, as repairs are easier and less frequent. Easy access to engine parts further reduces expenses.

• Adaptability: Air-cooled engines perform exceptionally well under varied environmental conditions. They are particularly suited to cooler climates where ambient air is sufficient to dissipate heat effectively. Moreover, increased airflow at higher speeds naturally enhances cooling efficiency, making them well-suited for highway driving as well as urban settings with variable speeds.

• Ideal for Two-Wheelers: Air-cooled engines are ideal in countries like India, where two-wheelers are popular for their affordability and ease of use. They work reliably in all weather conditions. Their simple design eliminates the need for a liquid cooling system and makes them a preferred choice for both personal and commercial use.

What are Liquid-Cooled Engines?

Liquid-cooled engines regulate temperatures using a coolant mixture, commonly a blend of water and antifreeze, to transfer heat away from the engine. This system includes components like a radiator, water pump, and channels within the engine through which the coolant flows.

Benefits Of Liquid-Cooled Engines

Liquid-cooled engines offer better performance, quieter operation, and longer lifespan. Let us take a look at its advantages:

• Superior Cooling Efficiency: These engines maintain optimal temperatures even in demanding conditions, such as high-performance vehicles or heavy-duty applications. This ensures peak engine performance without the risk of overheating.

• Consistent Performance: These engines maintain stable temperatures regardless of external conditions or operational intensity. This stability promotes efficient functioning and prevents performance fluctuations.

• Quieter Operation: Besides managing heat, the coolant also dampens engine noise. This results in quieter vehicle operation, which improves the driving experience, especially in passenger cars.

Difference Between Air Cooled Vs Oil Cooled Vs Liquid Cooled Engines

Here is a detailed comparison of air-cooled vs oil cooled vs liquid cooled engines to help you choose the best cooling system for your vehicle:

Conclusion

Understanding the differences between air cooled vs oil cooled vs liquid cooled engines is crucial to making a well-informed decision about your bike’s upkeep and performance. Choosing the right cooling system for your bike ensures it runs smoothly for years to come.

Equally important is securing the right bike insurance online to protect your investment. Comprehensive insurance not only covers repair costs but also offers peace of mind in various riding conditions—it shields your bike from unexpected mechanical failures and other unforeseen events.

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.

Wondering how to take your bike along on your next cross-state adventure without the hassle of driving it? Transporting your bike by train across India is a smart and economical choice to ensure your bike gets where it needs to go safely, sprig you the fatigue of long rides and lets you and your bike arrive fresh and ready to explore. Much like understanding the specifications of a bike before you make a purchase, knowing the ins and outs of transporting your bike by train is necessary for a smooth experience.

So, let us get into the details of how to transport a bike from one state to another in train.

Different Ways of Bike Transportation in India

Indian Railways offer two ways to transport your bike – as a parcel or luggage. Each method suits different travel needs and follows a specific set of procedures. 

• Parcel Transport

A cost-effective solution if you’re not travelling with your bike but need to send it to a specific destination. It involves:

• Visiting the parcel office in advance to complete the booking.
• Provide your ID and bike's registration for documentation.
• Packing the bike to prevent damage, which might include professional services at some stations.
• Paying a fee based on the bike's weight and travel distance, then receiving a receipt to track the shipment.

• Luggage Transport

It is a preferable method for those travelling by train and wish to take their bike along. Though slightly expensive, this method ensures your bike travels on the same train as you.

The steps include:

•     Booking at the luggage office when purchasing your train ticket or at least 24 hours before departure.
•     Showing necessary documents like your travel ticket and bike’s registration.
• Preparing and securely packing your bike, with potential inspections for compliance.
• Paying the transport fees and receiving a luggage receipt needed for bike collection at your destination.

How to Book a Bike Parcel in the Train?

• Visit the Parcel Office: Go to the parcel office one or two days in advance as this helps to begin the booking process and handle any unexpected delays.
•     Carry the Necessary Documents:

➢ A valid government-issued ID.

➢ The bike's registration certificate and a photocopy.

➢ Proof of insurance.

➢ Pollution Under Control (PUC) certificate.

• Payment of Fees: Fill out a form with details about your bike and its transportation requirements. Fees depend on the bike’s weight and distance. Inquire about any extra charges for oversized or overweight bikes.
• Ensure Proper Packing: Drain the fuel tank, disconnect your bike’s battery, secure all movable parts and pad sharp edges. Packing services may be available at some parcel offices.
•   Tracking and Collection: Use the tracking number to monitor your bike’s status and collect it at the destination station. Upon pickup, check your bike’s condition and report any issues immediately.

Booking Your Bike as Luggage

1. Advance Booking: It's important to book your bike as luggage concurrently with your train ticket or at least 24 hours before your departure. But make sure to check if your chosen train offers this service before booking.
2. Arrive Early: Arrive at the station at least 30 minutes before the train's scheduled departure to avoid any last-minute complications.
3. Check-in at the Luggage Office:

•     Locate the luggage office and submit the journey ticket along with your bike’s documents.
•     Pay the required luggage fee based on the bike’s weight and distance.

4. Follow Packing and Labelling Procedures:

•     Packing: The fuel tank must be emptied, and movable parts like the chain or pedals should be secured.
•     Labelling: Attach a durable and clear label to your bike with your name, contact information, and destination details to avoid any mix-ups.

5. Present Your Journey Ticket: Present your journey ticket during the booking process at the luggage office. An endorsement will be made on your ticket—it links your bike with your travel itinerary.
6. Collect the Luggage Ticket: You will receive a luggage ticket for your bike after confirming the booking. This ticket is needed to track your bike and collect it upon arrival at your destination.

What are the Documents Required For Bike Transport By Train?

•     Valid Government-Issued ID Proof: ID proof like an Aadhaar, driving licence, or passport to verify your identity.
•     Bike Registration Certificate: Carry the original and a photocopy to prove ownership.
• Insurance Details: Have a copy of your bike's insurance policy to cover potential damages during transport.
• PUC Certificate: Needed to show your bike meets environmental standards. 
• Detailed Transport Form: Fill out at the booking counter to provide specifics like your name, address, and destination.
•     Reservation Ticket: You must have a reservation ticket to link it with your travel itinerary if you book your bike as luggage.

What are the Bike Parcel Transport Rules Issued by Indian Rail?

•     Advance Booking: Book your bike as a parcel at least 24 hours before train departure to manage logistics and paperwork.
•     Fuel and Battery Regulations: Empty the fuel tank and disconnect the battery to prevent fires and electrical issues.
•     Packing Requirements: Pack the bike securely using bubble wrap and foam. Some stations provide professional packing services.
•     Documentation and Proof of Ownership: Present a valid government-issued ID, the bike’s registration certificate, and the transport receipt when collecting the bike.
• Collection and Time Frame: Collect the bike within the specified timeframe to avoid extra charges.

Are you a bike enthusiast who loves going on long rides? As a motorbike rider, you also have certain responsibilities to ensure safety for yourself and others.  Every year, thousands of people suffer injuries from bike accidents, which can be reduced or avoided with proper knowledge and precautions. Understanding the common injuries, first aid response, and safety measures can drastically improve outcomes for everyone. It is crucial not only for riders but also for passersby who witness accidents on the roads. Let us explore ways of addressing the situation in case of any mishap:

What to Do After a Bike Fall?

When you accidentally fall from your bike or witness a bike fall, there are a few crucial steps you can take to prevent further damage and minimise the impact of injuries. Here is a step-by-step guide to follow in case of a mishap:

Guide For Victims

Do the following if you are not seriously injured in the accident and can manage things yourself.

• Assess Injuries: Immediately check yourself for any signs of injury. Serious injuries, such as bleeding or fractures, require urgent medical attention. Avoid moving if you suspect spinal injuries to prevent further harm, and wait for medical help.
• Secure the Area: Move to a safe location away from traffic. Use your bike or any other means to signal other travellers about the road condition, warning them to reduce speed to reduce the risk of further accidents.
• Document the Scene: Take photographs of the accident scene and the damages. Note details of how the accident occurred and collect contact information from witnesses. This information will be essential for insurance claims and legal matters.

• Report the Incident: Notify the local police and file an accident report, which will be required for insurance and legal purposes.
• Inspect Your Bike: Check your bike for damage before riding again. Look for issues with the brakes, tires, and handlebars. If the bike is unsafe to ride, arrange for transportation to a repair shop or home.

What Witnesses Can Do?

• Prevent Shock: Keep the injured person warm and calm. Shock can occur even from seemingly minor injuries and can be life-threatening.
• First Aid Actions:
• Stop Bleeding: If there are any bleeding wounds, apply firm pressure to the spot with a clean cloth or bandage. Wear gloves if available to reduce the risk of infection.
• Clear Airway Obstructions: If the person struggles to breathe due to an obstruction, attempt to clear their airway carefully. Do this only if you are confident in your ability to help without causing further harm.
• Check for Consciousness and Breathing: If someone is unconscious, check for breathing and a pulse. Begin CPR only if you are trained, but after calling for emergency help.
• Handle With Care: Move an injured person only in cases of immediate danger like fire, and stabilise the neck and back while moving.
• Seek Help: Call for emergency services without delay. Be clear and precise about the location and the nature of the victim's injuries.
• Provide Witness Information: Offer your contact details to the victims and the authorities for future reference in legal or insurance matters.

Few experiences are as thrilling as hitting the open road on a motorcycle. As you carve through the landscape, the roar of the engine and the endlessly stretching roads make long-distance biking more than just a journey. Some people love the sense of freedom that comes with biking so deeply that it becomes their way of life. Some even consider riding long routes a form of therapy with physical, mental, and emotional benefits.

Motorcycling on long routes doesn’t just create unforgettable memories—it also helps build resilience. There is much more to biking on long and undiscovered routes. In this post, we’ll explore the benefits of long-distance motorcycling. For some, it's a passion, and for many, it’s a rewarding lifestyle choice.

Major Benefits of Biking

There are many benefits of biking, from letting you flex your muscles to busting stress and allowing you to follow your passion. For those who do it passionately, it is like connecting with their inner self. Let’s look at the various physical, emotional, and mental benefits of riding a bike on long routes.

• Riding is Exercising

Riding a motorcycle is similar to exercising, involving intense muscle activity. A thirty-minute hard ride around a race track can leave several muscles aching. Certain body parts, like your inner thighs, experience a particularly intense workout while riding on the track. With all the physical exercise involved, motorcycling helps tone your muscles and keeps you fit, all while undertaking an enjoyable activity.

• Sharpens Your Reflexes

Riding a motorcycle is quite different from driving a four-wheeler. You have to use your body to maintain balance, so riding a bike requires a high level of alertness. Avoiding traffic obstacles on the road and handling surprises can significantly improve your reflexes. Skilled bike riders tend to have excellent reflexes, which shows that riding can be great for your mind's well-being and alertness.

• Explore As You Ride

Every ride along the highway is a unique experience. People who love riding find even short commutes highly satisfying, as they are filled with new experiences and opportunities to learn more about their surroundings. However, the satisfaction increases exponentially when you get to explore a new destination. When riding to an entirely new place, the experiences are fresh and exciting. The key takeaway is the deep sense of satisfaction that comes from visiting new places and gaining new knowledge. This journey contributes greatly to strengthening your personality and boosting your mental well-being.

• Improves Brain Function

Motorcycling does not just improve your physical capability but also has a positive impact on your mental ability. A lot of scientific research has accumulated that supports the theory of motorcycling improving your cerebral capability. Scientific studies have shown that motorcycling stimulates the brain of the rider. Even among ex-riders who might have left motorcycling for several years, a return to motorcycling has been found to lead to an improvement in cognitive functions, especially memory and spatial reasoning. Overall, motorcycling can boost your memory and brain functioning.

• Effective Stress Buster

Riding a bike can be an effective stress buster, and this is something any rider would agree with. Sometimes, we ride simply because we need to, and other times, it's to relieve stress. If you've had a long, tough day and are feeling stressed, there’s nothing better than taking a long ride along your favorite road. Scientific studies have also shown that motorcycling can help reduce stress and that regular riding can improve your mental and emotional well-being.

• Helps With Weight Loss

Since motorcycles are heavy machines, riding them can help shed kilos. Riding on the roads tones your muscles while riding off-road can help burn calories faster. When you're riding along a trail, it engages your body on a completely different level. Skilled riders use their entire body to navigate rough terrain, much like exercising in the gym. Balancing a motorcycle off-road can involve a variety of exercises, such as toe raises, rowing, and squats. If you're a serious motorcyclist, you’ll likely lose excess weight over time.

• Improved Emotional Well-being

Motorcycling is also known to boost our emotional well-being. Emotions are closely tied to chemical reactions in our brains, and certain chemicals can make us feel happy, excited, or even sad. Chemicals like oxytocin, dopamine, adrenaline, endorphins, and serotonin are responsible for making us feel happy and excited. Our brain releases these chemicals generously when we're about to do something thrilling. For those who love riding a bike, there's a significant increase in the release of these chemicals while riding. The truth is biking helps keep us happy and emotionally healthy.

Conclusion

Long-distance biking is an excellent way to explore the world and discover yourself. The benefits of motorcycling on long routes are as exciting as the journey itself. It improves your physical endurance and your mental well-being. However, there are also some risks involved in biking. Having the right bike insurance is just as critical as a sturdy helmet and a well-tuned bike. A good insurance policy protects your bike and your peace of mind, ensuring you are covered against the unexpected.

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.

The Internal Combustion Engine, a key invention that has guided the world's progress for the past century, is expected to maintain its influence in the future. Within the transportation sector, bikes and scooters have proven to be one of the most impactful applications of this technology. The term ‘Cubic Capacity’ (CC) quantifies the power of a bike’s engine, directly influencing its utility. In the context of bikes, CC full-form in bike signifies the engine’s Cubic Capacity, which denotes the engine’s size and power. A higher CC indicates a more powerful bike.

Meaning of Cubic Capacity (CC) in bikes

As someone who may be unfamiliar with automotive engineering jargon, we can start by looking at the CC meaning in the bike. An internal combustion engine in a modern bike burns fuel within a cylinder, releasing energy that propels the motorcycle and operates its various functions. An engine cylinder’s capacity to take in and burn a mix of fuel and air by volume determines its cubic capacity. The larger the volume of air and fuel mix the cylinder can take in, the higher its cubic capacity. Most commuter bikes have a single-cylinder engine, though high-performance bikes have multiple-cylinder engines. Today, most commuter bikes have at least a 100 cc engine, whereas the Suzuki GSX 1300 RR Hayabusa, the fastest production road-legal bike in the world, has a 1,340 cc engine.

What Is the Importance of CC in a Bike?

Now that we have gained a fair idea of what is CC in the bike, let’s delve into its significance and its role in the bike.

• The higher the CC, the faster the bike can go: This is the most essential factor you should know. CC is directly proportional to the top speed of your bike and how fast your bike will accelerate to reach that top speed. A high top speed and the ability to accelerate quickly require a powerful engine.
• The higher the CC, the smoother the engine performance: Smooth and reliable engine performance has been the unending quest of all automakers and bike companies; this has been more so because of the very nature of bike design. By their very nature, low CC engines perform badly because they have to put in more effort to achieve the performance that a bike with high CC can achieve without utilising all its potential.
• The higher the CC, the more challenging terrain becomes accessible by your bike: Bikes are versatile and capable of traversing various terrains by their inherent design. Nevertheless, if you intend to venture off-road or navigate challenging terrain, you will require increased engine power, hence the need for a higher CC engine in your bike.

How Do You Calculate the CC of Your Bike?

Ideally, we can easily find the bike CC in the marketing material or owner’s bike manual. The bike registration certificate issued by the RTO also carries its CC. To calculate what is CC in the bike, first find out.

• How many cylinders are there in the engine of the bike? Most bikes have one, though performance bikes can have two or more cylinders.
• What is the bore or diameter of the hole of each of the cylinders in the engine? All cylinders in one engine will have the same bore length. This figure should be in millimetres.
• What is the piston stroke length in the bike engine’s cylinders? Please provide this measurement in millimetres. In the case of a multi-cylinder engine, the measurement will be consistent for all cylinders.

Multiply the bore, the diameter with itself and then the stroke length. Divide the result by the number of cylinders, then by 1000. Rounding off will give you the CC of the bike.

Updated on 10-04-2025

A bike's ownership is transferred during the process of selling or buying a two-wheeler. This is a critical process because it ensures that the new owner is legally recognized. Understanding the steps and requirements for transferring bike ownership is essential, as there are legal complications associated with the process.

What is a Two-Wheeler Ownership Transfer?

The transfer of bike ownership is a legally important procedure where the registered name of the owner on the Registration Certificate (R.C.) is officially changed to another name. This process is crucial as it ensures that all legal rights, responsibilities, and liabilities associated with the vehicle are transferred from the seller to the buyer. Failure to complete this transfer can leave the previous owner legally liable for any violations, accidents, or damages involving the bike, even after it has been sold.

The process generally involves notifying the RTO, submitting the necessary documents, and paying the prescribed fees. Additionally, it is equally important to transfer the bike insurance to the new owner's name without any break in coverage. Failure to do so may lead to complications in claims and legal responsibilities, making this step as crucial as the R.C. transfer.

When is Two-Wheeler Ownership Transfer Required?

Transfer of bike ownership in India is mandatory in several cases, including:

1. Sale or purchase of a second-hand bike:

When a pre-owned two-wheeler is purchased, it is essential that the ownership be legally transferred to the buyer. This transfer confirms that the buyer can enjoy all rights and responsibilities concerning the bike.

2. Receiving a two-wheeler as a gift:

If you inherit a bike from your family or receive one as a gift, then the transfer of ownership is crucial for you to become the legal owner of the vehicle.

3. Transfer of ownership within a family:

When ownership is transferred within the family - for example, between parents and children or siblings - the records should be cleared legally to ensure correct ownership.

4. Moving out of state:

If you move to a new state with your motorcycle, a transfer of ownership is required to get a new registration and follow the regulations in your new residential area.

Bike Ownership Transfer Cost

The cost of bike ownership transfer will vary according to the state and case. It is generally categorised as:

• Transfer Fee:

This is the general underlying fee that the RTO charges for processing the transfer. It ranges between Rs. 300 and Rs. 500.

• Road Tax:

If the bike is transferred to another state, the road tax to be paid in the new state will depend on its age, model, and state rules regarding the bike.

• NOC Charges:

In the case of transferring the bike to another state, obtaining a No Objection Certificate (NOC) from the original RTO may incur an additional charge of approximately Rs. 200 to Rs. 500.

• Hypothecation Removal Charges:

In the case of loaned bikes, the process of transfer would also involve the removal of hypothecation, which may require an additional charge.

Check the exact amount from the concerned RTO or through a professional so that no extra and undue costs arise later.

Documents Required for Bike Ownership Transfer

The following documents are needed for the bike ownership transfer process:

• Form 29 and Form 30:

This is available at RTO, and should be signed by both the seller and buyer.

• Original RC:

You must carry the original Registration Certificate of the bike.

• Bike Insurance Policy:

The bike insurance policy should be transferred in the name of the new owner, or a new policy must be obtained.

• PUC Certificate:

A valid PUC certificate is to be provided.

• Address Proof:

Provide address proof documents for both the buyer and seller, such as an Aadhaar card, voter ID, or passport.

• Proof:

Identity proof in the form of a PAN card, driving licence, or passport is mandatory.

• Passport-Size Photographs

Recent passport-sized photos are a must.

• No Objection Certificate

An NOC from the original RTO is required if the transfer is carried out to another state.

Bike Ownership Transfer Online: A Step-by-step Guide

Transfer of bike ownership online has been made more convenient and time-saving. Here is a step-by-step guideline on how to transfer bike ownership online:

• Visit the official website of Parivahan. And click on 'Vehicle Registration'.
• From the menu, click on 'Vehicle-Related Services', then enter the registration number of the bike.
• Select 'Transfer of Ownership'.
• Scan and upload the required documents along with Form 29 and Form 30, I.D. proofs, and bike insurance.
• Pay the necessary fee and schedule the appointment with the RTO for document verification.
• On the fixed date and time, visit the RTO office with the original documents.
• A confirmation email will be received after document verification. Following this, the new Registration Certificate (R.C.) will be dispatched in favour of the new owner.

Documents Required for Transfer of Ownership of Two-Wheelers in Case of Owner’s Death

If the owner of a two-wheeler passes away, the legal heir must follow the ownership transfer process by submitting the following documents:

1. Death certificate – Proof of the owner's demise
2. Legal heir certificate – Establishes the successor's right over the vehicle
3. Succession certificate (if applicable) – Required if there is a dispute over ownership
4. RC of the bike – Original Registration Certificate
5. Insurance policy – Ensures the vehicle is covered
6. PUC certificate – Ensures compliance with emission norms
7. Form 30 & Form 31 – For transfer of ownership in case of death
8. Address proof of the legal heir – Aadhaar, Passport, or other valid ID

How to Apply for Two-Wheeler Ownership Transfer Offline

The procedure for bike ownership transfer in offline mode is as follows:

• Visit Local RTO:

The bike owner is required to visit the local RTO where the bike is registered, bringing all the relevant documents.

• Forms:

Form 29 and Form 30 must be obtained from the RTO office or can be downloaded from the official RTO website.

• Fill out the Forms:

The correctly filled forms should be attached with passport-sized photographs.

• Submission:

Submit the filled-in forms along with the original Registration Certificate (R.C.), bike insurance, PUC certificate, identification proof, and address proof.

• Pay Fees:

At the RTO office counter, pay the required fee, which includes the transfer fee for ownership, any card issuance fees, and, in some cases, applicable road tax.

• Document Verification:

The documents are verified by the RTO official. In some cases, a physical examination of the bike may also be conducted.

• Get a receipt:

A receipt will be generated after payment completion, which serves as proof of the transfer application.

• Collection of the updated R.C.:

A new Registration Certificate (R.C.) in the name of the buyer is either dispatched to the buyer's registered address or can be collected from the RTO.

FAQs on Bike Ownership Transfer

1. How long does the ownership transfer process take?

The process usually takes 15-30 days, depending on the RTO and document verification.

2. Can I transfer ownership without valid insurance?

No, valid bike insurance is mandatory for the ownership transfer process.

3. What happens if I don’t transfer ownership after selling my bike?

The previous owner will remain legally liable for any future accidents or violations.

4. Is a NOC required for bike ownership transfer in the same state?

No,  NOC (No Objection Certificate) is only required for interstate transfers.

5. Can I apply for ownership transfer if the bike has pending fines?

No, all pending fines and taxes must be cleared before ownership transfer.

6. Can I transfer my third-party insurance policy when changing vehicle ownership?

Yes, the third-party insurance policy linked to the vehicle can be transferred when ownership is changed.

7. Which form is used as the No Objection Certificate (NOC)?

Form 28 serves as the official No Objection Certificate for ownership transfer.

8. Where can I obtain Form 28 for the No Objection Certificate?

Form 28 can be downloaded from the official RTO website. After filling out the form, submit it along with other necessary documents at the RTO. The NOC will be granted after police verification and audit clearance.

9. Can I transfer the NCB benefits of my vehicle’s insurance when transferring ownership?

No, the No Claim Bonus (NCB) cannot be transferred to the new owner during the bike ownership transfer process because it is linked to the person, not the vehicle.

Conclusion

The transfer of ownership of a bike is essential for establishing proper proprietorship. It must be done legally to ensure a smooth transition of responsibilities from the seller to the buyer. Understanding the requirements, costs, and documentation involved in the process of a 2-wheeler ownership transfer will help streamline the transfer process and protect you against any future liabilities.

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

Are you getting the best mileage out of your two-wheeler? You buy a motorcycle, thinking of it as a cost-effective investment to everyday commuting, only to realize that it is not returning the mileage you had expected. It is important to understand that the mileage a bike delivers is dependent on several factors – surface condition, traffic and most importantly, the rider.

Though every condition is not in your hands to control, you can always change the way you ride. Buying motor insurance for your motorcycle offers you peace of mind and takes the financial strain off your back.

Tips to increase the fuel efficiency of a two-wheeler

Here are 5 simple and effective tips that can help you obtain the maximum mileage out of your motorcycle.

A STEADY RIDE

Riding at a constant and controlled speed is paramount to achieving high mileage. A rash ride and abrupt acceleration requires you to brake equally hard to halt. This results in poor mileage, as accelerating hard consumes a lot of fuel. Maintaining a consistent average speed of 40kph to 55kph and resorting to coasting, with minimal braking, will lead to higher mileage. Buy bike insurance and enjoy your ride!

SWITCH OFF WHEN IDLE

While waiting at a long signal or a train crossing, you should ideally turn off the engine of your two wheeler. It is true that idling at a standstill consumes lesser fuel than an engine start-up, but only when the bike is idle for less than a minute. If your stop is longer than that, turning the engine off will save fuel.

MAINTAIN RECOMMENDED AIR PRESSURE

Air pressure in the motorcycle’s tyres must be checked frequently and maintained at manufacturer-recommended levels, to obtain the best fuel economy. Low tyre pressure will decrease the mileage, as the rolling resistance is increased due to wider contact of the tyre on the surface area. While higher pressure may bring an increase in the mileage, it will result in a reduced contact patch, decreasing traction.

SHIFT TO THE HIGHEST GEAR

When riding, it is beneficial to shift to a higher gear as soon as possible. This reduces the engine speed, whilst maintaining the same road speed, thereby improving the mileage of your motorcycle.

GOOD QUALITY FUEL

It is important to ensure that you fill the fuel tank with good quality fuel. Select a petrol pump which gives good quality petrol, and try to avail the same type of petrol from them every time. Good quality petrol will increase your fuel economy and keep the engine in good condition. Try to refuel your vehicle in the morning, as you will get denser petrol than filling in the afternoon, due to less evaporation.

Importance of fuel efficiency in bikes

• Biking enthusiasts are greatly concerned about the fuel efficiency of their machines, as it not only saves money but also benefits the environment.
• A fuel-efficient bike reduces the need for frequent and costly refuelling, leading to significant economic savings.
• Bikes with lower fuel usage and better engine performance contribute to lowering carbon emissions.
• The bike’s fuel efficiency is bound to enhance the engine lifespan and overall performance, which means increased time between servicing, fewer issues raised from two-wheeler insurance policies, and lower premiums.

Conclusion

It is easy to get better fuel economy and achieve a higher mileage with your two-wheeler. All you need to do is take meticulous care of it by servicing at regular intervals. Small things like avoiding traffic, keeping your engine clean and parking in the shadow go a long way in returning you the maximum mileage from your two-wheeler.

Comprehensive bike insurance for your motorcycle offers you peace of mind and takes the financial strain off your back. It is a must-have if you wish to avoid hefty repair bills and enjoy riding for a long time to come.

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.

You are no longer required to approach a general insurance agent or go to the insurance company’s office to renew the insurance coverage for your two-wheeler. Insurance companies have policy purchase modules on their websites where you can renew policies. Also competing for the online insurance pie is a recent addition – the web aggregators. Insurance companies have also begun to launch mobile applications or apps where policy renewal transactions can be carried out.

Importance of bike insurance renewal online

In a world where convenience is at the forefront, comprehensive bike insurance renewal offers a slew of advantages that traditional methods simply cannot compete with. Here are a few compelling reasons why renewing your bike insurance online is a better method:

1. Convenience: In the offline mode of renewing bike insurance, each and every piece of information required needs to be filled manually, a stark contrast to the online mode wherein your two-wheeler policy details are automatically loaded.
2. Time-saving: In the offline mode, if you are paying the premium by cheque, then the policy may not be instantly issued. The insurance company will wait till your cheque gets cleared, a process that sometimes takes several days to happen.
3. Simple process: If you are renewing your policy online, insurance companies will not ask for any documentary proof of ownership of the vehicle, address, etc. Even if you have forgotten to renew your two-wheeler policy in time, insurance companies will not ask the surveyor to come and inspect your vehicle. This is another benefit of renewing your two-wheeler insurance through the online channel.
4. Comparisons and better deals
   Online platforms allow you to effortlessly compare various plans and providers. This helps you get the best coverage at a good price. Insurance providers usually offer tools that highlight discounts, promotions, and additional benefits, assisting you in making the right decision.
5. Reminders
   Online platforms often send timely notifications or reminders regarding your policy’s expiration and renewal due dates. This ensures you do not miss out on renewing your policy and remain covered.

How to renew bike insurance online easily?

Renewal of 2-wheeler insurance online has become a breeze these days. Most insurance company websites just require you to provide the two-wheeler registration number, and the rest of the information gets auto-filled. It is the same when you renew your two-wheeler policies on the insurance aggregator websites. But make sure the data that is automatically filled in from your expiring two-wheeler policy is correct. If there is a change in your address, ensure that you correct it.

It is important to provide the latest and correct information to your insurance company. Any information that has changed since the earlier policy needs to be updated at the time of renewal.

On paying the premium online, the two-wheeler policy gets digitally generated. Save the digital policy document so that you can access it later when required. A physical copy of the policy document should be kept along with other two-wheeler documents that are required while riding.

Mobile apps have facilities similar to the ones provided by insurance companies on their websites. Renewing two-wheeler policies online is easy. Mobile apps take that convenience to a different level. The precautions to be taken and information to be provided are not too different from the experience of renewing two-wheeler policies online.

If you are still not hooked on to the convenience of renewing your two-wheeler insurance online or through mobile apps, the good old general insurance agent is still available.

Common steps to follow for online payment of two-wheeler insurance

Online payment for two-wheeler insurance is seamless and secure. Follow these steps to ensure a smooth transaction:

1. Visit the insurer’s website/app – Go to the official website or mobile app of your insurance provider.
2. Log in – Log in to your account with your policy number or vehicle registration number.
3. Select policy renewal/purchase – Choose whether you're renewing an existing policy or buying a new one.
4. Review policy details – Verify coverage, premium amount, and add-ons (if applicable).
5. Choose a payment method – Select a preferred payment mode, such as credit/debit card, net banking, UPI, or digital wallet.
6. Make the payment – Complete the transaction securely through the chosen payment gateway.
7. Receive confirmation – After successful payment, you will receive a confirmation email/SMS along with the policy document.

Conclusion

Renewing your two-wheeler insurance online is efficient and time-saving. It offers significant advantages, including ease of comparison, prompt payment, and instant policy receipt, all within a few simple steps. Whether you continue with your existing provider or opt for a new one, online renewal offers convenience for modern riders.

So, embrace the convenience of renewing your two-wheeler insurance online and enjoy peace of mind while riding!

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

Updated on 5 Aug 2025

Owning a two-wheeler brings convenience, flexibility and the joy of riding. However, it also brings responsibilities, foremost among them is ensuring your vehicle is properly insured. While annual policies are common, long-term options are becoming increasingly popular. A 3-year two-wheeler insurance policy offers not just ease, but also long-term financial and legal benefits. From the commuters riding daily to the occasional drivers, such a policy can help you stay protected and compliant for years at a stretch.

Here is a list of reasons that make a 3-year two-wheeler insurance a beneficial choice for the vehicle owner-

• No annual renewal hassles

It happens quite often that your two-wheeler insurance has expired and you forget to renew it. If there's an accident during this time, insurance companies reject the claim, saying that the policy has expired. Understanding this problem, the Insurance Regulatory and Development Authority (IRDAI) has introduced a third-party liability insurance policy for three years for two-wheelers.

• Safe from an annual hike in premiums

A 3-year Third Party Liability policy will charge a premium that is thrice the current annual premium for two-wheelers and irrespective of the circumstances, it can't be revised during the three-year period by the company. This ensures that even if the annual policy rate increases, you are safe from the hike.

• Convenience factor

The renewal rate of two-wheeler insurance is extremely low. People often tend to overlook the renewal date. This three-year policy will ensure that you do not need to remember to renew your policy every year. This saves time, money and effort for the insurance provider in terms of maintaining a separate database for three policies. Now it can just maintain one record for three years and this cost-benefit is transferred to the insured in the form of a low premium compared to an annual policy.

• Greater No Claim Bonus (NCB) benefits

Staying claim-free over 3 years allows you to accumulate a higher NCB, which results in substantial discounts on the premium when you renew or switch policies later.

Importance of long-term two-wheeler insurance

Opting for multi-year coverage ensures that your legal obligation is met for an extended period. More importantly, it supports responsible ownership by maintaining consistent protection for you and your vehicle.

How do 3-year policies help avoid legal penalties?

Riding an uninsured vehicle is a legal offense and can result in heavy fines, impoundment or licence cancellation. A 3-year policy ensures that you stay compliant with motor vehicle regulations for an extended period without worrying about missed deadlines or lapsed coverage.

Difference between annual and 3-year two-wheeler insurance policies

Below is a breakdown of the differences between one-year and three-year two-wheeler insurance options.

Tips to choose the best long-term two-wheeler insurance plan

When picking long-term two-wheeler insurance, consider the following points to make the best decision-

• Understand your needs: Decide whether you need just third-party coverage or full comprehensive bike insurance, which also covers damage to your vehicle.
• Compare insurers: Use online platforms to compare the premium costs, add-on options and other features of the policies offered by different insurers. Also, check the client settlement ratio and and customer reviews of the insurance companies.
• Check for add-ons: Choose useful riders like zero depreciation cover, engine protection and pillion rider cover.
• Read the fine print: Know the terms of cancellation, refund eligibility and claim limitations before finalising your plan.
• Evaluate the service network of the insurer: A wider network of garages can make repairs and claims easier and quicker.

Common mistakes to avoid while buying a 3-year two-wheeler insurance

These are some common mistakes that you, as the policy buyer, should avoid while purchasing a 3-year two-wheeler insurance-

• Opting only for third-party insurance: While it is legally mandatory, third-party coverage is useless when it comes to the protection of your vehicle. A comprehensive bike insurance plan offers complete peace of mind.
• Ignoring NCB implications: Understand how No Claim Bonus works over three years. Ensure it can be transferred if you switch insurers.
• Not reviewing policy terms: Some riders miss refund policies or assume they can change terms mid-tenure. Getting clarity at the start is key.
• Skipping add-ons: Riders may slightly increase the premium but can save you thousands during unforeseen incidents.
• Choosing unreliable insurers: Always go for trusted insurance companies with a good claim settlement track record and customer support service.

How a 3-year policy supports financial planning for bike owners?

Long-term policies provide predictability. With a one-time premium payment, you can plan your yearly budget better, knowing that there won't be sudden outflows for renewals. It also protects you from inflation-driven price increases during renewals and offers more time to focus on vehicle maintenance, fuel costs and trip planning.

Moreover, if you maintain a claim-free record, the accumulated No Claim Bonus at the end of three years can translate into substantial savings.

Conclusion

A 3-year two-wheeler insurance policy offers not just convenience but financial clarity, long-term protection and peace of mind. If you choose a comprehensive plan, the benefits are amplified in terms of coverage and savings. So, whether you are a daily commuter or a weekend explorer, consider going for a long-term insurance plan- it ensures a smart ride into a safer future.

FAQs

Q: Is a 3-year insurance policy mandatory for two-wheelers?
A: For new bikes, a 5 year third-party insurance policy is mandatory. However, after that, it is your choice to get a single or multi-year policy. 

Q: Can I purchase a 3-year comprehensive bike insurance for my bike?
A: Yes. Many insurers now offer comprehensive plans bundled for up to three years.

Q: What happens if I sell my bike before the 3-year policy ends?
A: Policyholders can discontinue their coverage and request a refund for the unused time, as per the specific rules of the insurance provider.

Q: Can I change insurers during the 3-year term?
A: Mid-term switching is generally not allowed unless you cancel the existing policy. You should plan and deliberate properly before agreeing to a policy of more than a year.

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.

In India, bikes are considered perfect travel companions, helping navigate the roller-coaster roads and ensuring timely arrivals. However, riding in India, although it may seem easy, is not so in reality. The countless potholes and pedestrians' or motorists' carelessness regarding traffic laws put your bike at risk. While going on a ride, have you ever wondered what would happen if, due to unavoidable circumstances, you caused physical injury to others? Have you ever thought about the repercussions? Well, to safeguard you against all these odds, a third party liability cover exists. In this blog, we’ll thoroughly explain the nitty-gritty of two wheeler insurance with 3rd party protection.

What Is Third Party Two Wheeler Insurance?

Third party two wheeler insurance is a kind of motor insurance that pays for the damages or bodily injuries you may cause to another person or their property while riding your bike. This is also called  “2 wheeler insurance with 3rd party cover.” Having this insurance in India is legally required because it shields you from the financial and legal repercussions that can arise from being in an accident with another party. However, this insurance does not cover any damages to your own bike or yourself. The annual premium for a bike with less than 75cc engine is Rs. 538, while for a bike with more than 350cc engine, it is Rs. 2,804. You can also opt for a long-term policy that covers your bike for up to five years. When browsing, you should always look for third party two wheeler insurance rate charts online to make an informed decision.

How Does Third Party Bike Insurance Work?

When you buy a 3rd party bike insurance policy, you pay a premium to the insurance company. The premium amount depends on the engine capacity of your bike and is fixed by the IRDA. In the event of an accident involving your bike and a third party, you need to inform the insurance company as soon as possible and file a claim. The insurance company will verify the claim and settle it per the policy's terms and conditions. The compensation amount will be paid to the third party or their legal representative.

Features of Third party Two Wheeler Insurance

• Third Party Coverage: This insurance primarily covers damages and injuries you might cause to third parties in an accident. It ensures you can meet your legal obligations in such situations.

• Cost-Effective: While two wheeler third party insurance prices vary from company to company, it is usually more affordable than comprehensive coverage, making it a budget-friendly option.

• Instant Policy: You can often get your policy instantly online, making it a convenient choice for quick coverage. This facility is typically known as two wheeler insurance online with third party cover.

Reasons to Buy Third Party Bike Insurance

There are multiple reasons to opt for this insurance coverage. Some primary ones are:

• Legal Requirement: The most fundamental reason to purchase third party bike insurance is that it is a legal requirement in India. Riding without it can result in hefty fines, licence suspensions, or even legal consequences.

• Legal Defense: Insurance companies often provide legal support if you're involved in a lawsuit following an accident. They can help you navigate the legal process, saving time and stress.

• Cost-Effective: Third party insurance is typically more affordable than comprehensive coverage.

• Safeguarding Your Savings: Without insurance, you risk depleting your savings or assets to cover accident-related expenses. Third party insurance protects your financial stability.

Steps to Apply for Third Party Bike Insurance

Here are the steps to apply for third party bike insurance with ICICI Lombard:

• Visit the official website of ICICI Lombard. 
• Click on the bike insurance tab.
• Enter your bike’s registration number, mobile number, and email address for an instant quote.
• If you are satisfied with the quote, click on Buy Now, fill in additional bike details, and provide a few of your personal details.
• Review your policy details and make the payment online using your preferred mode of payment, such as debit card, net banking, credit card, etc.
• You will get a confirmation email with your policy document attached. You can also download it from the website or the IL TakeCare app.

Process to Renew Third Party Bike Insurance Online

Here are the steps to renew your third party bike insurance online from ICICI Lombard:

• Visit ICICI Lombard and tap on the “Renewals” section in the top right corner of the homepage.
• Select “Bike Policy” from the drop-down menu and enter your policy or mobile number to retrieve your policy details.
• Check the specifics of your policy, including the premium amount, and proceed with the payment using your chosen payment method.
• You will get a confirmation via text, SMS and email with your renewed policy document attached.
• Download and print your policy document for future reference.

You have successfully renewed your third party bike insurance online from ICICI Lombard. You can also call their toll-free number, 1800-2666 or visit their nearest branch for assistance.

What's Covered in Third Party Bike Insurance?

• Bodily injury or death of a third party: If you are involved in an accident with your bike and cause injury or death to another person, your third party bike insurance will cover the medical expenses or compensation for the victim.

• Property damage of a third party: It covers damage to another person’s property, such as a car, a wall, or a fence; your third party bike insurance will cover the repair or replacement costs of the property up to Rs 7.5 lakhs.

• Legal liability: If you face a legal case from a third party, your insurer will cover the legal fees and expenses you may incur in defending yourself.

• Compulsory personal accident cover: You must buy this additional coverage along with your third party bike insurance by paying an extra premium. It covers the accidental death or permanent disability of the owner-driver of the bike up to Rs 15 lakh. This cover is useful if you are the sole breadwinner of your family and want to secure their financial future in case of a mishap.

What's Not Covered in Third Party Bike Insurance?

• Damage to your own bike: If your two wheeler is damaged due to a collision, fire outbreak, theft, natural calamity, or any other reason, you will not get any compensation from third party bike insurance. You will have to bear the repair costs or buy a comprehensive bike insurance policy that covers both third party and own damage.

• Illegal or deliberate acts: If you cause an accident intentionally or while breaking the law, such as drunk driving, speeding, or racing, the third party bike insurance will not cover that. You will be liable for the legal consequences, penalties, and damages.

• Wear and tear: If your two wheeler suffers from unavoidable wear and tear due to ageing or usage, such as rusting, corrosion, depreciation, etc., the third party bike insurance will not cover that. You must maintain your bike regularly and replace the parts when needed.

• Contractual liability: If you have entered into a contract with someone and agreed to be liable for any damage caused by your two wheeler, the third party bike insurance will not cover that. For example, if you have rented your bike to someone and they cause an accident, you will be responsible for the damages, not the insurer.

Documents Required for Third Party Bike Insurance Claim

To file a third party bike insurance claim, you need to have the following documents ready:

• A copy of the FIR you filed at the nearest police station after the This is a mandatory document to support your claim.
• A copy of your driver's licence to prove that you are a valid driver.
• A copy of your registration certificate to prove that you own the bike.
• A copy of your third party bike insurance policy to show that you have a valid cover.
• A claim form duly filled out and signed by you. You can get this form from your insurance company or download it from their website.
• Any other document that your insurance company may ask for, such as medical bills, repair bills, photographs of the damage, etc.

As individuals, we are all responsible for not causing harm to others or their property. But have you ever considered the potential risks and consequences of your actions? Accidents can happen, even when we are being careful on the roads. And in those situations, having a safety net becomes crucial. That is where third-party liability insurance comes in.

Third-party coverage in bike insurance is a fundamental policy that provides coverage for damages caused to anyone other than the rider or pillion rider of the insured bike. This coverage extends to property loss, bodily injury or even death.

Usually, the premium for third-party bike insurance gets determined by the Insurance Regulatory and Development Authority of India (IRDAI), which considers the engine displacement size as the basis for calculating the insurance cost. This means that if you and your friend own 150cc bikes, the premium for both vehicles will be the same.

However, it is worth noting that third-party liability insurance has several drawbacks. It does not, for example, cover damage to an insured vehicle. Furthermore, if the rider or pillion rider on the insured bike sustained severe injuries, the medical bills should be borne by the victim or covered by their health insurance. As a result, the policyholder may incur financial losses and medical expenses. So, should we forego purchasing third-party insurance for our bikes? Read on to know the answer.

Is third-party insurance mandatory for bikes?

According to the Motor Vehicles Act of 1988, all vehicle owners in India must have at least third-party liability insurance coverage. The government took this step to protect the general public from the financial burden of accidents caused by uninsured bikers. Now that you are aware of its significance, you should also familiarise yourself with situations when third-party coverage stands null and void.

• If you ride your bike in areas considered high-risk by your insurer and not covered by standard insurance policies, your policy is null and void.
• You won't be able to obtain policy benefits if you make a fraudulent claim, such as providing false information about the accident or the extent of damages or injuries or claiming for damages or injuries that did not occur.
• If you allow someone not authorised by your insurance policy to ride your bike, your third-party insurance will become void.
• If your insurer finds out that you were on your bike riding under the influence of alcohol or drugs at the time of an accident, your third-party insurance will become void.

What are the benefits of third party insurance for bikes?

While basic in nature, third-party bike insurance offers several key advantages:

• Legal compliance: Helps you avoid penalties and legal hassles by fulfilling mandatory insurance requirements.
• Financial protection: Covers the cost of damage caused to a third party-person or their property.
• Peace of mind: Accidents happen unexpectedly. This policy ensures that you’re not financially burdened due to someone else's damage or injury.
• Affordable premiums: Since it covers only third-party liabilities, the premium is much lower compared to a comprehensive two wheeler insurance policy.

What does third party insurance cover?

Third-party insurance for bikes covers the following:

• Bodily injuries or death of a third party: If your bike causes an accident that results in injury or death to another person, your insurer will cover the compensation payable.
• Property damage: If you accidentally damage someone else’s property, like a parked car, boundary wall or shop, the policy will cover the costs up to a certain limit.
• Legal expenses: Any legal costs arising from third-party claims are also covered under this policy.

What does third party insurance not cover?

While it is essential for legal compliance, third-party insurance has notable limitations. Here's what it does not cover:

• Own damage: Damages to your own bike, whether due to an accident, theft or natural calamities, are not covered.
• Personal accident cover: Unless purchased as an add-on, it does not include coverage for injuries or death of the bike owner/rider.
• Mechanical or electrical breakdowns: Issues like engine failure or wear and tear are not included.
• Driving without a licence: If an accident occurs while you’re riding without a valid licence or under the influence of alcohol, the claim will be denied.

For broader coverage that includes both third-party and own damage protection, opting for a comprehensive two wheeler insurance policy is a better choice.

Conclusion

Third-party two wheeler insurance is the most basic but essential form of protection every bike owner must have. It ensures legal compliance and offers financial protection against third-party liabilities, making your ride safer not just for you, but for everyone on the road. However, if you're looking for more robust protection, including coverage for theft, accidents and natural disasters, a comprehensive two wheeler insurance policy offers far greater peace of mind.

Evaluate your needs, riding habits and budget to choose the plan that offers the right balance of coverage and cost. And most importantly, never hit the road without valid insurance, because safety always comes first.

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

Buying and managing bike insurance online is made easy with a reliable information technology infrastructure. The process offers several advantages, including 24/7 online support, effortless payment options, an instant quote, customisable plans and an easy renewal procedure.

With the option to purchase bike insurance online, you can enjoy a hassle-free experience. This includes immediate policy issuance and easy access to your plan. Look for insurance plans allowing you to personalise your policy according to your needs, offer quick solutions for queries and round-the-clock support. Read the inclusions and exclusions of the policy before you decide to purchase a plan so that you know the exact scope of coverage.

Benefits of comprehensive bike insurance policy

There are many benefits of having a two wheeler insurance policy, as listed below:

• Comprehensive 2-wheeler Insurance Policy offers maximum financial protection for your bike and covers third-party liabilities.
• It provides a No Claim Bonus benefit and protects against theft.
• Additionally, this type of policy in India offers compensation for natural calamities
• Coverage against legal liabilities incurred towards any third party
• Coverage for personal injuries to the rider
• Protection against man-made damages
• Repair expenses
• Death benefit
• Financial assistance for the complete or partial physical disability of the rider
• As long as you hold a valid driving license, you can receive compensation for medical assistance.

With increasing traffic and a rise in the number of accidents, comprehensive insurance can give you peace of mind.

Features of comprehensive bike insurance

Given below is a list of key features of a two wheeler insurance policy:

• Comprehensive two-wheeler insurance allows limitless claims in a policy year or during the tenure of the plan.
• Most importantly, it also covers bodily injuries and provides compensation in case of death of the policyholder and the pillion rider.
• When opting for comprehensive bike insurance, the insurer sets an amount as a fixed sum assured and may offer discounts.
• The policy also covers costs incurred due to natural or man-made damages, with optional features like zero depreciation cover to save on consumables.
• You can tailor your policy with specific add-ons such as zero depreciation, engine protection and emergency roadside assistance.
• Additionally, comprehensive two-wheeler insurance policies cover third-party liability for property damage, bodily injuries and death, but compensation is limited to a specific amount as mentioned in the policy.
• Such policies include personal accident coverage to protect the policyholder against injuries resulting in temporary or permanent disability or death.

Who should buy a comprehensive bike insurance?

While every bike owner needs at least a third-party insurance as per Indian law, comprehensive two wheeler insurance is ideal for:

• Owners of new or high-end bikes, where repair costs are high.
• Riders in accident-prone or theft-prone areas.
• Frequent commuters or long-distance riders face an increased risk.
• Anyone wanting peace of mind, knowing their bike is covered against a wide range of uncertainties.

Essentially, if your bike is more than just a basic utility, if it is a prized possession or daily companion, a comprehensive plan is a smart investment.

Factors affecting comprehensive bike insurance

Several variables influence the premium and coverage scope of your two wheeler insurance policy:

• Age and make of the bike: Older bikes may have lower premiums but limited IDV (Insured Declared Value).
• Geographical location: Premiums may be higher in accident or theft-prone areas.
• Engine capacity: Higher engine displacement usually means a higher premium.
• Add-ons selected: Each add-on increases coverage but may also raise the premium.
• Claim history: If you have a history of frequent claims, it may impact your renewal benefits and cost.
• Deductibles: Choosing a higher voluntary deductible can reduce premiums but increase out-of-pocket expenses at the time of claim.

Conclusion

Purchasing two wheeler insurance online has never been more seamless or efficient. With a strong digital infrastructure, the entire process, from comparing quotes to renewing your policy, can be done in just a few clicks. Opting for a comprehensive two-wheeler insurance policy increases your protection by covering not just third-party liabilities but also damages to your own vehicle, theft, natural calamities and personal injuries. With the added ease of plans that can be customised according to your needs, round-the-clock support and quick claim settlements, comprehensive coverage ensures your ride remains safeguarded at all times.

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

Don’t save on insurance premium at the cost of all your life savings

India has long taken over China in being the world’s largest two wheeler market. One in every three households in India owns a two wheeler and we can see why. In the urban areas, increased traffic and overcrowded public transport has led to the increased use of two wheelers.

In the lesser developed parts of the country, two wheelers are just as popular, maybe even more, owing to the lack of public transport facilities. The parts of our country that were earlier left out on development projects, have now been seeing large-scale road construction projects, further boosting the use of two wheelers.

Convenient, cost-effective and easy to navigate through heavy traffic, two wheelers are our country’s favourite ride. But it’s not all good. There are also major concerns that arise with the use of two wheelers.

Safety Hazard

Two wheelers are and always have been one of the more risky commuting options. In our country, over 95% of the road accidents involve a two wheeler. While some of these cases can be blamed on adolescents driving rashly, poor road conditions and third-party mistakes, one of the major causes of such an alarmingly high number of bike accidents is completely avoidable.

Absence of Helmet

About 28 two wheeler riders die on a daily basis in India because of the lack of a helmet. A United Nations study found that the survival chance of a two wheeler rider is improved by 42% if they wear a helmet. In spite of the known cause of frequent two wheeler accidents as well as the solution, there has been no change in the devastating statistics.

A remarkable feature called Mobile Self Inspection has been introduced by ICICI Lombard in their Insure app. It allows insurance subscribers to renew their expired motor insurance conveniently.

It cuts back on the time that is normally required for mandatory inspection by an authorised surveyor. The mobile self-inspection is triggered only when a motor insurance policy expires and there has been a considerable time lapsed from the renewal due date.

A process called Break-in is commenced by the insurer when a subscriber seeks for renewal of an expired policy. In this procedure, the policy is issued based on successful investigation. Now, a new policy will be issued by the customers without manual investigation. The policy needs to be renewed by online payment through ICICI Lombard's website or mobile app.

The two-wheeler industry in India has grown rapidly. In the absence of public transport during the pandemic, a greater number of people are now purchasing two-wheelers. Indian roads are expected to get flooded with these vehicles in future. According to a recent report, domestic two-wheeler sales are likely to grow by 6-8% over the next five years as the economy comes out of the covid-19 induced downturn.

As the traffic will increase, so will the number of two-wheeler accidents. Especially, given the poor condition of Indian roads and the fact that many Indians often ignore traffic laws and safety measures. More than a third (37%) of those killed in road accidents in 2019 were two-wheeler riders, noted a Ministry of Road Transport and Highways’ report published in October, 2020.

Hence given the situation, motor insurance is a must-have for all two-wheeler owners. In case of an accident, the insurance policy will protect you from the financial liabilities arising from the accident. However, before you start browsing insurance policies online, you should first understand how the premium is calculated.

Important factors that affect your bike insurance premium

The following paragraphs will explain factors affecting the two-wheeler insurance premium quote:

• Type of coverage

In India there are two different types of motor insurance policies available— third party and comprehensive. Third-party insurance is mandatory by law, but it only covers damages/injuries to the third party involved in an accident. A comprehensive policy, on the other hand, covers third-party liabilities as well as own damages/injuries.

Since comprehensive two-wheeler insurance offer more coverage, their premiums are higher than third-party insurance premiums.

• Add-on covers

Add-on covers are usually recommended for two-wheelers. There are different types of add-ons available with two-wheeler insurance plans, such as zero depreciation, roadside assistance and high-end electrical and non-electrical accessories. All of these come at an extra premium.

• No Claim Bonus (NCB)

No Claim Bonus in bike insurance is a discount that is offered to you for every claim-free year. If you are renewing your bike insurance and have not filed any claim in the past year, you are entitled to a discount on the insurance premium. In this way, the insurance company rewards you for being a responsible rider.

NCB is usually 20% in the first claim-free year and can reach up to 50% in the fifth claim-free year, depending on the provisions of the policy document. If you have accumulated NCB, you can use it to reduce your two-wheeler insurance premium considerably at renewal.

• Anti-theft devices

Anti-theft device is a security feature that reduces the chance of your two-wheeler theft. This, in turn, helps in reducing the risk for the insurance provider. Just like how the insurers compensate for higher risk by charging a higher premium, the lower risk is rewarded with a lower premium.

• Anti-theft devices

Anti-theft device is a security feature that reduces the chance of your two-wheeler theft. This in turn helps in reducing the risk for the insurance provider. Just like how the insurers compensate for higher risk by charging a higher premium, the lower risk is rewarded with a lower premium.

• Voluntary excess

Two-wheeler insurance companies offer two features - Compulsory excess and Voluntary excess. Compulsory excess requires you to pay a certain percentage of the repair cost from your own pocket, while the insurer pays the rest. Compulsory excess is fixed and cannot be increased or decreased.

However, there is voluntary excess, which you can adjust at the time of purchasing the policy. You can go for a higher voluntary excess to lower the insurance premium. But a higher excess will require you to pay more money from your pocket if your two-wheeler is damaged.

• Make and model

The amount of premium also depends on the model of your two-wheeler and its manufacturer. The more high-end the model, the higher is the insurance premium you need to pay. That means if you are the owner of a Harley-Davidson or Ninja you would pay higher premiums.

• Engine capacity

Do you know the cubic capacity of your two-wheeler’s engine? If you do, you are one step closer to knowing what your insurance premium should be. The higher the engine capacity, the higher will be the premium charged.

• Geographic location

The geographic location of the person using the two-wheeler also contributes towards determining its premium amount. If you stay in an urban location with a higher density of traffic, this results in higher incidences of accidents. Well, that again means a higher premium for you!

Importance of using a calculator for bike insurance

With so many variables in play, figuring out the right premium manually can be complicated. That is where a bike insurance premium calculator becomes useful.

Why use a calculator?

• Accurate estimation: It considers your bike’s details, coverage type, location and other factors to give a real-time estimate.
• Comparison made easy: You can compare various two wheeler insurance premiums from various companies and choose what suits your budget and needs.
• Customisation: By selecting different IDVs or add-ons, you can see how the premium changes, helping you customise your policy effectively.
• Time-saving: No paperwork, no agent dependency, just enter your details and get your quote within seconds.

Whether you are buying a new bike or renewing your comprehensive two wheeler insurance, a calculator can help you make cost-effective decisions without compromising on coverage.

Conclusion

Two-wheeler insurance is now easily available online in India. ICICI Lombard has a simple process of buying as well as renewal of two-wheeler insurance policy online. It provides 24x7 claim assistance so that your claims are settled fast. Once you are aware of the factors that affect insurance premiums, you can easily decide on which policy to opt for.

However, before making any payment, it is always advisable to read the policy documents carefully so that you are fully aware of the benefits, inclusions and exclusions of the selected policy.

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

Using CNG-fuelled two wheelers to curb air pollution in Indian cities

For a nation stricken with air pollution, where millions of commuters prefer two wheelers, a sustainable and eco-friendly alternative to fossil fuels is the need of the hour. As per the International Organisation of Motor Vehicle Manufacturers (OICA) 2015 Statistics, the domestic motor vehicle sales in India between April 2015 and March 2016 was approximately 20.47 million units of which two wheelers were 16.5 million, constituting 80% of the total sales.

Another study by the Centre for Science and Environment (CSE) reveals that two wheelers account for 31% of vehicular pollution whereas four wheelers constitute 20%.

Considering the number of two wheelers on Indian roads, the total pollution caused by them is approximately 50% more than four wheelers. The search for alternate fuels for two wheelers is on a rise and Compressed Natural Gas (CNG) seems to be the road ahead.

CNG Fuelled Vehicles and their Positive Impact

A Natural Gas Vehicle (NGV) or a CNG fuelled vehicle is a vehicle that uses CNG as a cleaner alternative to fossil fuels. CNG offers several benefits over fossil fuels, such as:

• Engine parts corrode gradually with CNG than with fossil fuels
• Offers high mileage
• Almost 30% less emissions
• Cleaner emissions with an extremely low carbon content

The operational cost of CNG fuelled vehicle is 60% less than petrol and 28% less than diesel vehicles. Interestingly, replacing a diesel bus with a CNG bus is equivalent to taking 21 cars off the road. With deteriorating air quality in Indian metros, CNG fuelled vehicles are paving the way towards cleaner and reduced emissions.

Hawa Badlo

After its emergence as the world’s worst city in terms of air quality in 2014, strict measures have been adopted to improve the air quality in Delhi. Initially the odd-even formula for vehicles and now the adoption of CNG fuelled two wheelers, the national capital is committed to shed off the worst air quality tag.

These tips will ensure that you have the two wheeler that perfectly fits your requirement

After all these years, you’ve finally saved up enough to purchase a motorcycle to call your own. You are all excited about the prospect of having your own set of wheels and can’t wait to go to the showroom and check out the different bikes for sale.

You reach the showroom and the salesperson comes and asks for your requirement. After you state what you want, he takes you in and shows you some two wheelers and then some more. There are so many choices that you are feeling overwhelmed. All the excitement and eagerness, coupled with the salesman’s persuasive selling skills can lead to you choosing a bike that is not right for you.

Therefore, it is better to take your time, and go through the selection with the knowledge of knowing what you want. If you are lacking on the knowledge part, we have compiled a list of things that you should definitely check before settling on a purchase.

Check Out the Ergonomics

If a bike is not comfortable, then it is definitely not the right bike for you. You should try the bike at the showroom by taking it out for a test ride. Are your hands reaching the handlebars without stretching them? Are you comfortably seated or leaning forward? Are your feet in a relaxed position?

These are the things that you need to be sure about. If the ergonomics of the two wheeler is good, then it will be easier for you during your long weekend rides or lengthy road trips with friends.

Get to Know the Seat Height

The saddle height is an important consideration that, if not considered, can greatly reduce the joy associated with riding. Different types of motorcycles come with different types of seats, which affect the ability of the rider’s feet to reach the ground while on the two wheeler.

Riders having a short height and women riders prefer a low seat height, allowing them to swing a leg over the bike easily. Heavier bikes usually demand flat feet during stops to maintain balance, whereas lighter bikes can be balanced by just the tip of your toes.

With or Without Fairing?

Purchasing a bike with or without a fairing is a decision that totally depends on the rider and what his plans are for the bike. Bikes without a fairing look good, but the lack of a windscreen means that they prove to be exhausting on long rides. This is because the oncoming wind exerts pressure on your body and tires your arms out.

So, if long rides is what you plan on doing, then a faired two wheeler is what you should go for. It can make your rides pleasant and also stop the elements from cutting your ride short.

Do You Travel Light?

Riding a bike is all about the sense of freedom and getting lost from the daily hustle. Though, the real joy of riding lies in bikes that are lithe and can take to corners naturally, they can prove to be a problem for long rides. Having a motorcycle that does not have provisions for keeping luggage can put a spanner in your weekend riding plans.

Getting a two wheeler that comes with saddlebags, or is at the very least, capable of getting fitted with one would be the smartest choice.

Is Fuel Efficiency Your Main Concern?

For Indians, the right bike is usually the one that gives the most mileage. But, riders are passionate people who are devoted to the cause of riding and freedom. Fuel efficiency is still a concern, but not a big one. Having said that, nobody would appreciate owning a two wheeler that demands regular fuel stops.

With the help of the multi-year insurance policies for two wheelers, consumers can save their money and effort

With an exponential rise in the number of vehicles, the probability of accidents rises. Insurance is like a backup instrument that protects us against the losses in the event of an adversity. As per the Motor Vehicle Act, 1988, insurance is mandatory for vehicles.

General Insurance Council has estimated that 60% of motor vehicles running on the Indian roads are not insured. In the year 2015-16, India had approximately 19 crore registered vehicles out of which only 8.26 crore were insured.

A Penny Saved Is A Penny Earned

The premium payable and sum assured does not change during the course of a multi-year policy. The consumer can save up to 20-40% on the premiums as these policies do not revise the rates each year. In multi-year insurance policy, making a claim does not necessarily mean that the NCB will fall down to zero.

Consumers could get up to 40% NCB in a multi-year insurance policy at the end of 3 years, compared to 35% in a single-year policy. Apart from that, some Insurance companies offer surprise discounts on purchase of a multi-year insurance policy.

Avoiding Chaos of Compliance Every Year

Vehicle Inspection during the time of renewal is a headache for many. Multi-year insurance policy frees you from it. As the two-wheeler is insured for three consecutive years, consumers do not have to worry about carrying the documents with them to renew their policies.

Third Party Liability Insurance

A third-party bike insurance policy is mandatory by law and those caught riding without it can be fined ₹2,000 or imprisonment up to 3 months, or both. The third party cover protects you from legal liability for damage or loss caused to a third party person/property. A multi-year insurance policy offers relatively lower prices if the consumer wants to opt for it.