Motorbike lovers unite! And history buffs. And auto nerds. And headline hawks. Scroll below for answers to some of your more pertinent questions regarding motorbikes! From lockdown effects to online two wheeler insurance – we’ve got your answers!

Which motorcycle helmet to buy?

Which helmet you buy depends on how frequently you use your bike and your budget. While picking out gear for yourself, your mantra should be: safety over swagger. Purchasing everything on your list, all at once, can be tricky not to mention expensive. To ensure that your protective riding gear is complete you can divide your purchases according to the nature/frequency of your rides. If your rides mostly comprise daily commutes, the first thing you should tick off on your list is a helmet that doesn’t compromise on safety but isn’t OTT either. To say, that you require a good helmet is an understatement. Invest in one that’s built of lightweight material, fits snugly, is equipped with soft cheek pads and helps to reduce wind resistance. A pair of gloves, one with good cushioning is also a good addition to your gear. If you’re an avid biker who likes to go on biking tours or even frequent long drives, you’re going to need a few more things than just gloves and helmet. Invest in good rider boots, jacket, waterproof gloves and helmet that’s equipped with Bluetooth.

Also read: Tips for choosing your next motorcycle boots

Will motorcycle prices drop after lockdown?

We saw this question coming a mile away! We can’t outright answer in the affirmative only because there are several factors to consider here. First is the regulation around BS6. It’s now compulsory for manufacturers to make and sell BS6 compliant vehicles which also carry a heavier price tag. But back in April, the government had given the auto-industry a ten day reprieve, post the first phase of lockdown, during which they could sell their BS4 outfitted inventory. Most manufacturers jumped at this opportunity and offered BS4 bikes at really attractive prices. Is this likely to happen once more? Difficult to say at this point of time. Keep in mind that auto manufacturing suffered heavy losses during the lockdown.

Second, most people reliant on public transport will be less likely to go back to it once office spaces open up. They will look for more personal modes of transport like a car or bike. But with the economy in doldrums at the moment, everyone’s spending power is greatly constrained. This could mean that auto manufacturers, wanting to make the most of consumer sentiment, lower their prices. But if easy financing for purchases is available this might not happen. The best thing to do at the moment is watch, wait, and if you really do want to buy a two wheeler, keep the health of your finances in mind.

Be it for the ease of navigating through city traffic, the adrenaline rush, saving some money, or helping you in finding your Zen - there can be 101 reasons, but the truth is you love your two-wheeler.

However, there are perils associated and no matter how good a rider you are, things can still go horribly wrong! Even the most avid bike lover would agree that riding a bike is far from being child’s play!

For instance, compared to stopping a car, stopping a bike is a different ball game altogether. There are separate brake controls in the front and rear wheel in most two-wheelers and either one can lock during hard braking.

Such incidents can reduce the bike’s stability and substantially increase the likelihood of a fall. However, there is a simple fix available for the problem.

Fixing a simple looking technology can make your rides far safer! Yes, we are talking about the humble anti-lock braking system (ABS). Getting ABS on your favourite two-wheeler can reduce the chances of a fatal crash by 31%. Here is how.

How does ABS work?

During an emergency braking situation, the wheels can lock resulting in the skidding or falling over of the motorcycle. ABS functions in an anticipatory role. It has electronic sensors to detect locking before it actually occurs. So, when the biker actually applies brakes, ABS can kick in and apply the right amount of brake pressure.

This results in maximising the performance of the braking system. Thus, the bike can slow down without having to lose traction. An anti-lock braking system can reduce stopping distance and prevent skidding. Here, we list the advantages of ABS:

1. Reduction in stopping distance

Using ABS in the right way can reduce the stopping distance. From a starting speed of 80 km/hr, a bike without ABS would continue running for 30 meters after application of brakes. However, the same bike would have stopped 3 meters shorter, if fitted with ABS.

This becomes possible owing to the fact that with ABS, the tyres are constantly getting traction. Thus, there is more effective scrubbing off of speed in ABS fitted motorcycles.

However, without ABS, the wheels can lock and lose traction as hard braking is applied. This results in skidding of the motorcycle as the tyres are trying to grip the surface.

As a biker, you know that even a meter can make all the difference between a safe ride and a collision, or between life and death. Make a wise, life-altering decision. Choose ABS and ride stress-free.

2. Better control

A biker knows the importance of control in having a steady ride. ABS helps you have better control over your ride in emergency braking situations.

Fitted with ABS, there are greater chances for the bike to stop in a straight line and shed speed in a controllable manner. Thus, it helps you retain your control over the ride and reduces the chances of skidding.

However, two-wheelers not fitted with ABS are likely to lose traction in emergency braking conditions and leave the rider without much control over steering. In tough weather conditions, this might result in a tumble or a crash.

3. Prevent Stoppie

Whether you are a professional stuntman or not, you would obviously not like your bike performing stoppie without your will. Yet, this is what can happen when your two-wheeler is not fitted with ABS.

Even when the weather is bad and the roads are slippery, your two-wheeler can offer far more traction when fitted with ABS. Additionally, when fitted with ABS, braking is more linear. In comparison, when your bike is not fitted with ABS, braking is much more abrupt and can result in a stoppie, skidding or tumble.

In an ABS-fitted bike, the hydraulic system controls the braking pressure and thus the rider feels mild pulsation on the brake lever. Thus, if you are pushing the braking system, the ABS in combination with the hydraulics gives you the warning signals.

Thus, as you can well appreciate, ABS is useful irrespective of whether you are riding for the first time or are a veteran. The technology is beneficial and can save your life in most on-road situations.

While choosing a new motorcycle, choose one with ABS. ABS helps you stay safe and be on the road. Also get yourself a comprehensive two wheeler insurance. Bike insurance cushions you from the financial impact following an accident with your two-wheeler.

If you are a bike riding enthusiast, you must have dreamt about freely roaming in the magnificent landscapes of the Himalayas on your two-wheeler. You can embark on a journey of new experiences, and unleash the adventurer in you, that can seldom be done otherwise. You could have already started feeling the pump of adrenaline in your blood!

This article is all about discovering some of the best motorcycle routes in the Himalayas that will immediately beckon the rider in you. Here’s our lowdown of some of the must-experience Himalayan motorbike tours that will leave you with a bucket-full of adventurous experiences:

1. 1. Motorbike tour in Ladakh




A tour to Ladakh is one of the most desired fantasies among the bike-riding fanatics in India. It is one of the most popular destinations among the adventure seekers, riding on their two-wheelers. Challenging circuits combined with the beauty of mountains have attracted the tourists from all over the world. The one thing that is sure to pump up the adrenaline is the unpredictability of the rocky terrain.

Add to them the glimpses of Tibetan culture, monasteries and nomadic tribes, and your motorbike tour will turn into something magical. You can explore numerous routes in this region to have a breath-taking experience, like Manali to Ladakh, Srinagar to Manali, Chandigarh to Ladakh and back, or you could simply take a flight to Leh and indulge in short motorbike trips within Ladakh.

2. 2. A tour in Spiti Valley




Just like Leh, Spiti valley in Himachal Pradesh is another very popular destination for the adventure seekers, who are driven by the wanderlust. The motorcycle circuit is full of scenic towns and villages that will totally mesmerize you. You can take various adventure-filled routes to Spiti from Shimla, Kaza, Chandratal, Manali and back which will take you through lush-green orchards, aromatic apple gardens, and impromptu waterfalls amid the spellbinding mountain peaks.

You will fell in love with the immense cultural diversity of the area and a wide range of wildlife found here. You can stroll in the untouched landscapes and even come face to face with animals like snow leopards, griffon, red foxes, ibexes, and bearded vultures.

3. 3. Motorcycle ride from Sonmarg to Kargil




After Leh and Spiti, a drive to Sonmarg is one of the most challenging yet pleasing tours, even for the hardcore bike riders. It will take you through the narrow winding roads along a gushing water stream. You can admire the lush green meadows and stop by the sides to have a cup of hot tea. You will come across the famous Zozilla pass, which gets washed away by heavy rainfall every year.

Once across, you ride on to Drass, rated as the second coldest inhabited place in the world. You can also take a stop to pay your tributes to the real heroes of the infamous Kargil war of 1999. The narrow lanes and rugged terrains without a black top will surely test your riding skills.

4. 4. A ride to the Nubra Valley




A motorcycle ride to the Nubra valley can be one of those landmark events of your riding life. Here, you’ll get to ride to the world’s highest motorable pass, the Khardung La situated at 17,582 ft. This is the highest point you can reach via a motorcycle on this planet. Be sure to cherish the moment before you leave the pass to ride down on the other side.

You can now cross over to the beautiful Nubra valley, riding through some of the highest altitudes. You can grace the lovely view of the organic farm fields and the famous Hunder sand-dunes. Additionally, you can plan a night-stay at this beautiful place to observe its culture and the scenic beauty from close quarters and even get engaged in some local desert sports.

5. 5. Motorbike tour to Mustang, Nepal




The motorbike tour to Mustang in Nepal can be the classic bike adventure tour that you’re craving for. It has been luring the rookie as well as pro-bikers from different parts of the world for quite a long time. On the way, the roads are really picturesque and the entire route is capable of giving you perpetual goose-bumps. You can even spot some regional wild animals while riding through the magnificent Annapurna range.

While these adventurous bike tours will revitalise your body, mind and soul, you also need to be wary about the threats and dangers associated with it. Since the weather conditions in these areas can be unpredictable and harsh at times, remember to pack accordingly. Also, make sure to protect yourself and your bike against any unforeseen situations with a comprehensive two-wheeler insurance plan which offers complete financial security for the motorcycle and its rider.

Apart from basic skills, you must know the art of advanced braking, taking sharp turns and reading the hand signals.

Given the current state of affairs where the threat of the COVID-19 pandemic still looms large, riding a bike to commute to the workplace and even otherwise provides the much-needed safety as per the social distancing norms.

Having said that, it’s vital to master some other essential bike riding techniques other than basic ones to ensure a smooth and safe ride. So, what are these bike riding tips that further elevate your experience? Let’s find out.

Advanced braking techniques

Before riding a bike, you were probably instructed to wrap all four fingers across the throttle and apply only the front brakes when the throttle was closed. While this is fine when you are just learning to ride or are in a parking lot, the situation is vastly different on roads.

While riding a bike on a busy road, you must have observed how difficult it is to cover the front brake with all the four fingers when the situation demands applying them soon. In such a scenario, you need to master the art of applying brakes with only two fingers, allowing you to shorten the reaction time, should the need arise for the same.

Advanced braking techniques also entail applying brakes when you roll off the throttle. You need to practise the art of blipping the throttle for downshifts while maintaining consistent pressure on the brakes. It is also essential to note that learning advanced braking techniques while riding a bike is not only limited to the front brake. It also includes learning the deft art of using the rear brake with prudence.

Imbibing lessons on advanced braking techniques can come to your rescue in challenging situations. Learning the art can save not only your life but also of the pillion rider  and others.

Situational awareness

Unfortunately, two-wheelers account for the lion’s share of fatal accidents in India, claiming thousands of lives each year. While not wearing a helmet, over speeding, driving under the influence of alcohol or drugs, etc., are the major culprits, lack of situational awareness also contribute to mishaps.

Situational awareness means being alert while riding and constantly looking out for potential hazards. These may include animals or humans or other vehicles coming across unexpectedly, sudden change of traffic light to red and even the road itself.

Note that situational awareness comes with time. Equally essential is to keep your focus on the road while driving and avoid distractions at all costs.

Often while riding bikes, people use mobile phones or talk with the pillion rider. All such activities affect concentration and can lead to an accident. Thus, while riding, make sure to keep a hawk’s eye on the road. It will not only make your journey safe but also prevent loss of life and property to a great extent.

Mastering the art of turning at sharp turns

This is one of the most essential bike riding tips that’s often ignored. Turning your bike at sharp turns requires skill and the challenge compounds multi-fold if the space is small. Often while riding a bike on hilly terrains, riders encounter sharp turns too often. If you don’t practice well-enough, it can lead to a mishap.

Note that while turning, you also have to manage the accelerator and keep it smooth. While taking such turns, ensure you turn your bike at a 90-degree angle and look ahead. Often most riders make the mistake of looking down while turning, which is an absolute no.

While doing so, extend the elbow away from your body. This prevents the elbow from cramping and gives you more space to take a turn. After you have completed the turn, release the accelerator fully and have a firm grip on the handlebar.

At the same time, when you are approaching a turn, make sure to reduce the speed of your bike as accelerating may prove fatal. If, however, you are not confident of making the turn correctly, stop and manually take your two-wheeler to the other side.

In its efforts to tackle rapidly increasing air pollution in the country, the government of India is planning to run only electric vehicles on the roads by 2030. It has launched a series of policy measures and incentives to promote electric two-wheelers and hybrid cars in the country. It will not only pave the way for cleaner air but also help check the country’s burgeoning oil import bills.

So, as we gear up to embrace complete electric mobility in the upcoming years, automobile manufacturers have also decided to ride this ecological wave and launch many electric vehicles in the upcoming years, replete with modern features and technology. A major portion of these are electric two-wheelers which are already finding increased adoption in India, thanks to their negligible refuelling prices and zero maintenance charges as compared to those running on fossil fuels.

Here is a list of some of the top upcoming electric scooters and motorbikes in India that are due to be launched in 2019:

1. 1. Honda PCX

The makers of top-selling scooters in India like Activa and Aviator, Honda showcased its all new electric scooter named PCX at the Auto Expo 2018. It comes with a new innovative design language that provides a stylish and premium feel to the vehicle. The LED lightning at front, full-digital instrument console, and the sporty alloy-wheels gives it the appeal of a maxi-scooter.

The scooter will pack Honda’s own electric motor with two detachable batteries termed as ‘Honda Mobile Power Pack’ under the seat for enhanced range. The detachable batteries will provide both the options to the user, that of swapping the batteries or charging them at a station. The scooter which is expected to be launched in the latter half of the year should be priced between Rs.1 to Rs.1.2 lakh.

2. 2. TVS Creon

TVS has now come up with an electric scooter named Creon. You can get TVS bike insurance from ICICI Lombard. As seen during the Auto Expo of 2018, it looks striking with its sharp and futuristic design. Visual bits like diamond cut alloys, stylish front apron, sharp tail-end LED lights makes it look more appealing. It also packs a number of features such as cloud connectivity, riding modes, parking assist, GEO fencing and anti-theft mechanism.

The scooter derives its power from a 12 kW electric motor that allows it to accelerate from zero to 60 kmph in only 5 seconds. Also, the engine is efficient enough to run for a distance of about 80 km on a single charge. Again, we are expecting a price tag of around Rs.1 lakh to Rs.1.25 lakh when it makes to the final production model.

3. 3. Hero Duet Electric

One of the largest two-wheeler manufacturers in India, Hero has showcased its tried and tested Duet scooter but in an all new electric version. The design and components draw many similarities from the petrol version of the vehicle. The engine can churn out close to 5 kW power and 14 Nm of maximum torque which is sufficient for a two-wheeler.

The scooter will be capable of reaching 60 kmph in just 6.5 seconds. The company has also revealed that the scooter is efficient enough to cover the distance of about 65 kilometres on a fully charged battery. This e-scooter from the Hero MotoCorp is expected to come with a launch price of Rs.75,000, an attractive choice for price-conscious buyers.

Be confident in the knowledge that you have the best policy to insure you and your bike against any untoward accident.

People who own two-wheelers fall into several categories. Some own it to have a compact vehicle that can get them from one location to another. While others own it as a stop-gap, as they save up for a car. There is yet another group who buys two-wheelers because riding is their passion. Regardless of which category you fall into, it is a fact that the number of bikes and scooters on our roads is on the rise, as are serious accidents related to them. Thus, insuring your two-wheeler is a sensible decision, apart from being a legal mandate.

Types of Two-wheeler Insurance Policies

The common types of two-wheeler insurance policies available are given below.

1. Comprehensive Policy: This has elaborate coverage, including the compulsory third-party policy and own damage cover. The premium of these plans is generally high. Add-ons are also available with comprehensive insurance. These enhance the policy coverage beyond what a basic plan provides. Some popular add-ons are engine cover, zero depreciation, and roadside assistance. Adding riders to your comprehensive insurance increases the premium.

2. Third-Party Liability Policy: This is legally mandated under the Motor Vehicles Act 1988. These policies have low premiums and do not offer extensive coverage. This policy does not cover damages to the insured vehicle but protects against liabilities arising from injuries caused to third parties or damages to their properties.

When Can You Change Your Two-wheeler Insurance Policy?

The process of changing your two-wheeler insurance is straightforward. You can change your policy online or offline. Below are some situations where people tend to change their insurance policies.

At the Time of Renewal

An insurance policy is a contract that lasts for a stipulated time. When this period is over, you can choose a different contract offered by the same insurer or opt for a different insurance company. If you choose a different insurer, your No Claim Bonus (NCB) will be retained if applicable.

Within Policy Period

It is not highly recommended that you change your insurance policy during the policy period. If you decide to do so due to non-satisfaction with the current insurer, make sure you inform your insurance provider and cancel the policy by following the due process. Before riding the bike, ensure your new motor insurance has been activated.

New Ownership of Your Two-Wheeler

If you sell your two-wheeler, you must transfer the insurance policy to the new bike owner, as the policies are for particular vehicles. This is necessary to avoid legal complications.

Lapsed Two-wheeler Insurance Policy

You can either opt to renew the lapsed policy with the existing insurance provider or obtain new insurance from a different insurer. If you’re switching insurance companies, you may lose any accumulated No-Claim Bonus (NCB) from your previous policy if there’s a significant gap between the old and new insurance.

Renewal

You can also change your two-wheeler insurance when your policy is due for renewal. You can switch to a better plan with the same insurer or choose a different insurance company. Make sure you compare the plans and select the one that aligns with your preferences.

You can renew your two-wheeler insurance policy either online or in person.

Online Process

If you want to continue with the same cover and insurer, all you need to do is go to their website, and renew your plan by logging into your account and making the payment.

If you want a different cover or insurer, you must spend some time thoroughly understanding other plans offered. You must compare the coverage offered to find the policy that best suits your needs.

Offline Process

To renew your two-wheeler in person, you must visit the insurance company's office or contact a certified insurance agent. You must fill out the necessary forms and submit the required documents.

How to Change Two-Wheeler Insurance Policy Online?

Before you change your two-wheeler insurance plan, it is crucial to conduct thorough research and compare different insurers and their policies. Additionally, it is critical that you understand the policy terms, deductibles, and coverage provided. After in-depth research, you may follow the given steps to change your two-wheeler insurance policy online:

1. Visit the Insurer Website: Go to the relevant website and create an account if you’re switching the insurer. If you’re simply upgrading coverage or changing plans with your current insurer, login to your existing account.
2. Choose Policy: After logging in, locate the section that offers renewal, upgrade, or quotes. Select the required policy.
3. Provide Information: If you’re switching to a new insurer, you’ll need to provide the details of your vehicle, claims history, current insurance details, and more. Ensure all personal information you provide is correct.
4. Upload Documents: The insurer may require you to upload relevant documents like the vehicle’s Registration Certificate (RC), your driving licence, and the previous policy details.
5. Make the Payment: Proceed to the payment section and pay the necessary amount. You may have to upload ID proof for verification.
6. Review Policy: After successful payment, the insurer will typically send a policy document with all relevant details, like the policy number, premium, expiry date, and more. Verify all details and request corrections if necessary.

Important Things To Consider While Changing Your Two-Wheeler Insurance Policy

Here are some things you should remember when changing your two-wheeler insurance policy.

1. Do not change your insurance policy on a whim. Thoroughly research different plans and coverage available before making a decision.
2. Do due diligence when switching to a new insurance company. Their reputation, credibility, claim settlement ratio, customer reviews, and the quality of customer service are important factors to consider when choosing an insurance policy.
3. Read the fine print carefully before signing any policy documents.

FAQs

1. Is it possible to renew two-wheeler insurance online?

Yes, you can renew your insurance policy online by visiting the insurer's website and making the necessary payments.

2. Is it safe to renew insurance online?

Yes, it is safe to renew your insurance online. Most reputed companies have a secure payment gateway.

3. Can I update my insurance policy?

Yes, you can update your insurance policy by visiting the insurer's website or getting in touch with an agent from the company.

Conclusion

In conclusion, changing your two-wheeler policy online is a simple, convenient, and time-efficient process. Compare options, select a policy that better suits your needs, and ensure uninterrupted coverage for your bike. Remember to evaluate your coverage requirements carefully and retain benefits like the No Claim Bonus (NCB) during the switch for maximum value.

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

India is the largest two-wheeler market in the world. In 2024, 18,437,528 units of two-wheelers were sold in India. A growing economy, rising middle-class income, and favourable demography are expected to push two-wheeler sales further upwards.

We already have the most congested streets in the world and the most dangerous. According to the official data released by the government, road accidents claim approximately 178,000 lives each year in India.

Two-wheelers, being the most preferred mode of transport among Indians, accounted for the highest share of road accidents. Therefore, there is a strong need to secure yourself and your family against any unfortunate event that may take place during your ride. You should obtain two-wheeler insurance to protect your bike against any damage due to an accident. A personal accident cover that usually comes with the policy as an add-on offers compensation in case of accidental injury or death.

What is Personal Accident Cover?

A personal accident cover is a two-wheeler insurance cover that provides compensation to the owner of the vehicle, or dependents, in case of accidental injury or death. An optional personal accident cover is also available for the pillion rider. The policy usually covers individuals under the age of 65 years and has a maximum compensation amount of ₹1 lakh.

Many insurers provide personal accident cover for two-wheelers as an add-on cover to their bike insurance policy. The cover is meant to enhance protection in case of an accident and can be bought by paying a small sum as a premium.

Importance of Personal Accident Cover

Having a personal accident cover with your motor insurance can prove beneficial in many situations, since accidents come unannounced and leave the afflicted in a huge financial mess. Here are some of the benefits that this cover can provide.

• Disability Compensation: Two-wheelers are a dangerous mode of transport as there is nothing protecting you from the road in case of a fall or a hit from another vehicle. Minor injuries are very common among riders, though a serious accident can also result in partial or total disability.

If it is a partial or total disablement, then the condition can seriously affect a person’s ability to earn a livelihood for his family. This can take a toll on the happiness and well-being of the dependents. With the protection offered by a personal accident cover for comprehensive two wheeler insurance, the insured can get 100% of the sum insured in case of total disability, and up to a certain extent if the accident causes partial disability, this is mostly 50% of the sum insured.

• Accidental Death Benefit: If the insured is met with an accident that results in a fatality, the loss and setback to his family can be immense. If the insured is the primary breadwinner, then the loss is not only of a loved one but also that of the provider.

The personal accident cover provides 100% of the sum insured in case of accidental death. This is amount can help the dependents tide over the loss and prevent the household from being surrounded by financial liabilities.

Is Personal Accident Cover Mandatory for Two-Wheelers?

According to the Motor Vehicles Act 1988, it is necessary for all two-wheelers to have third-party insurance. Seeing an increase in the number of accidents involving bikes, the government made personal accident coverage mandatory for all two-wheeler riders.

A few changes were made to these rules in 2019, which are given below-

• Personal accident coverage is necessary for all two-wheelers, whether you already have third-party or comprehensive bike insurance.
• In case of permanent disability of the vehicle owner during a mishap, personal accident coverage offers compensation of up to 15 lakh rupees.
• If you have an existing personal accident coverage, you do not need to purchase a separate coverage for riding a new bike. The same plan can provide coverage for both vehicles.
  

Coverage Under PA in Bike Insurance

Given below is a list of the inclusions and exclusions under personal accident coverage-

Inclusions of PA Cover

• In case of the death of the policyholder, the insured amount is offered as financial support to the nominee.
• If the policyholder loses both limbs, both eyes, or one limb and eyesight in one eye, 100% of the insured amount is given.
• If the policyholder loses sight in one eye or loses one limb, they receive 50% of the total amount insured under personal accident coverage.
• If the policyholder is permanently disabled by the accident, the person will receive 100% of the insured amount.

Exclusions of PA Cover

There are a number of situations in which the insurance company will not give the benefit of the policy to the policyholder. These are known as exclusions. The common ones are mentioned below.

• If the injury or death has resulted from intentional self-injury or a suicide attempt.
• If the injury or death has happened under the influence of liquor or drugs.
• If the injury or death is caused by performing an unlawful act.

Benefits of Personal Accident Cover in Bike Insurance Policy

The following are the benefits of personal accident coverage in two-wheeler insurance that you should know-

1. In the event of the unfortunate death of the policyholder, the nominee receives 100% of the insured amount as financial support.
2. In case of permanent or temporary disability, personal accident coverage provides proper compensation to the policyholder as per the terms of the insurance.
3. Personal accident coverage allows the policyholder to draw daily allowance for expenses such as hospital fees for 50 days in case of serious injuries.
4. Your insurance provider offers 24/7 assistance if you need to encash personal accident coverage during an emergency.

How Can You Buy Personal Accident Cover in Bike Insurance Online?

Buying a personal accident cover online is a simple process:

1. Choose a Reliable Insurer: Research and select an insurer offering comprehensive PA coverage.
2. Visit the Official Website: Go to the insurer’s website and navigate to the two-wheeler insurance section.
3. Provide Vehicle Details: Enter your bike’s registration number, model, and other required details.
4. Select PA Cover: Opt for the personal accident cover during the policy purchase process.
5. Make Payment: Complete the payment process using secure online methods.
6. Download Policy Document: After successful payment, download your policy document, which includes the PA Cover details.

How to Claim Personal Accident Cover in Bike Insurance Online?

Claiming PA Cover is a crucial step after an accident. Here’s how you can do it online:

1. Inform the Insurer: Notify your insurance provider about the accident immediately.
2. Fill Claim Form: Download and complete the claim form on the insurer’s website.
3. Submit Required Documents:
• Policy document
• FIR (First Information Report) copy
• Medical reports and bills (in case of injury)
• Death certificate and post-mortem report (in case of death)
4. Wait for Approval: The insurer will assess the claim and verify the documents.
5. Receive Compensation: Once approved, the compensation amount will be disbursed to the policyholder or nominee.

FAQs

1. What is a personal accident (PA) cover in bike insurance?

Personal accident cover in two-wheeler insurance provides compensation for injury or death of the policyholder to the bike owner or his nominee.

2. Is it mandatory to buy personal accident cover with a bike insurance policy?

Yes, under the Motor Tariff 2002, all two-wheeler insurance holders must have a personal accident or PA cover.

3. What documents are required for personal accident claims in bike insurance?

The claim form (duly filled and attested), along with a copy of FIR, bike insurance documents, driving licence, bike RC, etc., are required for filing a personal accident claim.

Conclusion

This blog is a general overview of a personal accident cover for two wheeler insurance and what it offers. The scope of coverage and benefits changes from insurer to insurer. But the fact remains that it is a useful insurance plan to have, as it takes care of the financial liabilities that can arise after an accident. This alone makes it an investment worthy of your attention.

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 response to a Right to Information (RTI) query made by a leading media outlet in India revealed that a total of 2801 vehicle theft cases were reported in Mumbai in 2020, of which 2019 cases were of two-wheeler theft. Meanwhile, the situation is much worse in Delhi. As per another media report, Delhi reported 25153 cases of two-wheeler theft in 2020. In 2021, as of 30 November, 25078 were reported stolen in Delhi.

On any given day, you can be in for a shock knowing that your dream vehicle is not there in the place you parked it. Studies suggest that the possibility of recovering a stolen two-wheeler is lesser when compared with a car since it is easier to hide and dismantle it.

What to Do if Your Insured Two Wheeler is Stolen?

A comprehensive two-wheeler insurance plan can protect your bike against such unforeseen events apart from providing mandatory third-party coverage for your vehicle. You can breathe easily even if your bike insured with a theft cover is stolen. When you purchase insurance online, the insurance company will pay you an amount equal to the monetary value of your stolen bike. Just follow these steps to register the insurance claim against the theft of your bike.

1. Register an FIR

The moment you come to know about the theft of your bike, lodge the First Information Report (FIR) for the same at the nearest police station. When you report the theft, inform the concerned police officer of your chassis number, serial number, details of RTO where you have registered your bike, and more. Sharing the details is an important part of the claim process. It helps you to trace reports at regular intervals.

2. File the insurance claim

After filing an FIR, call the motor insurance company helpline and follow the instructions to file the claim against the theft of your bike. Fill in the claim form and provide all the required information, such as policy details, your bike’s registration number, etc.

3. Inform the RTO

It is mandatory to inform the Regional Transport Office (RTO) about the theft of your vehicle as per the law. Complete the formalities with them to obtain RTO transfer papers and other relevant documents.

4. Submit the documents

Once the aforementioned formalities are completed, you must send the duly filled insurance claim form and the respective documents to the insurance company. Generally, you may be required to send the following documents for bike theft.

• Insurance policy documents
• Duly filled claim settlement form
• Copy of registration certificate of the vehicle
• Copy of driving license
• Original FIR copy
• Letter to the RTO
• RTO transfer papers

5. Approval of claim

After the police submit a ‘non-traceable report’ stating that your bike could not be found, the insurance company initiates the process for approval of your claim. The stolen vehicle needs to be transferred in favour of the insurance company, and you will be reimbursed with an insured declared value (IDV) of your bike. The reimbursed amount might assist you in exploring the bike shops and purchasing the same bike model that you have recently lost.

How to Prevent Bike Theft?

Here are some tips for two-wheeler owners to prevent bike theft:

• Use a high-quality lock for added security.
• Install an anti-theft system.
• Whenever possible, park your two-wheeler in a well-lit area.
• Try anchoring your bike to a heavy object nearby.

How To Claim Insurance For Bike Theft?

You must follow the given steps to claim two-wheeler insurance after the mishap occurs:

1. Lodge an FIR (First Information Report) at a nearby police station.
2. Inform the insurance company about the issue and submit the following documents.

• A copy of the FIR
• Copy of bike’s insurance policy
• Registration Certificate (RC) and driving licence
• RTO forms 28, 29, 30, and 35
• The bike’s original key

4. Notify the RTO (Regional Transport Office) and complete the necessary paperwork.
5. Obtain the NTC (Non-Traceable Certificate) from the police department. This document acts as proof that your two-wheeler could not be traced. The insurer uses this document to settle the claim.

How Much Will Be the Insurance Payout For a Stolen Bike?

The insurance payout for a stolen bike depends on the chosen insurance. The policy contains an IDV (Insured Declared Value). It is essentially the current market value of the bike. Deductibles, liabilities, and depreciation are subtracted from the IDV to calculate the final claim settlement.

FAQs

1. How much money will I get if my bike is stolen?

You must submit all relevant documents to your insurer for the claim settlement. Its value depends on the IDV  (Insured Declared Value) listed in the insurance policy.

2. What should I do when my bike is stolen?

You must file an FIR at your local police station and inform your insurer of the same.

3. How to inform RTO about the theft of the vehicle?

You must submit forms 28,29, and 30 at the RTO where you registered your vehicle to inform them of the theft.

Conclusion

If your insured two-wheeler is stolen, acting promptly and responsibly is important. While the loss can be stressful, having insurance ensures financial protection. Staying vigilant and maintaining proper documentation can help minimise risks. Remember, you must remain calm in such unfortunate situations and follow proper procedures.

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.

There are many components of your insurance policy that may seem difficult to understand at first. One such aspect of two-wheeler insurance is the relation between the insured declared value or IDV and the rate of depreciation. Knowing these components of your bike insurance will help you modify the policy and better communicate your needs to your insurance provider. Read on to educate yourself on different aspects of IDV and depreciation and become an aware policyholder.  

What is Depreciation in a Two-Wheeler?

Depreciation is the decrease in the value of an asset over time. Depreciation refers to the loss in the value of your bike due to regular wear and tear over time. In the context of two-wheeler insurance, it helps the insurer determine your bike's current market worth. Like all machines, Two-wheelers undergo wear and tear during their lifetime, which reduces their market value over time. For insured two-wheelers, policy providers offer a complete list of depreciation rates (as per the Indian Motor Tariff) for different stages during the two-wheeler’s lifetime.

In simple terms, depreciation is the key factor that assists in determining Insured Declared Value (IDV) while also assisting in determining the policy premium.

What is IDV?

IDV plays a key role in chalking out the maximum sum assured in case of theft or damage to your two-wheeler. The maximum value payable by the insurer in case of an accident, theft or damage of a two-wheeler is called the Insured Declared Value or IDV. Simply put, IDV is the current market value of your two-wheeler. If your two-wheeler meets with an accident, then you will be given the IDV as compensation by the two-wheeler insurance company. This compensation gets reduced as the age of your two-wheeler increases. The premium you pay for your vehicle insurance is directly proportional to the IDV.

How is IDV Calculated?

A very important point to remember here is that IDV is not calculated on the price you have paid for purchasing the vehicle. Instead, it is calculated considering the market value of the two-wheeler on the commencement of the policy. This value varies largely with time.

Ideally, you should get your vehicle insured within six months of the purchase to get the maximum IDV. The older your vehicle, the lesser will be the IDV and the premium.

Scroll down to understand the insured declared value (IDV) calculation through a formula.

Insured declared value (IDV) = {Bike's current market value - depreciation costs} + {Accessories cost - depreciation value of accessories}

To fully comprehend the insured declared value (IDV), you must first understand the influence of depreciation in percentage on the age of a two-wheeler.

What Factors Affect the IDV of a Bike?

Several factors influence the IDV of a two-wheeler:

• Age of the Vehicle: Older bikes have higher depreciation, leading to a lower IDV.
• Make and Model: Premium models may retain value longer than standard models, hence a higher IDV.
• City of Registration: Market values can vary based on location.
• Accessories: Additional fittings can increase the IDV if they are insured.

Is IDV Directly Related to the Premium Rate of Bike Insurance Plans?

Yes, IDV directly impacts the premium of two-wheeler insurance. A higher IDV results in a higher premium since the insurer's liability increases. Conversely, a lower IDV reduces the premium but may lead to inadequate coverage. It's essential to balance between sufficient coverage and affordable premiums.

How Depreciation Affects the IDV of Two-Wheeler Insurance

Depreciation results in the reduction of the IDV of a two-wheeler. Ideally, it is adjusted on the vehicle’s selling price listed by the manufacturer. If a vehicle is not more than six months old, the deprecation value is 5%. This goes up periodically and reaches a value of 50% of the market price in 4-5 years. If the two-wheeler is more than five years old, the insured declared value (IDV) is calculated by an agreement between the insurance company and the policyholder. While insuring your two-wheeler, the right amount of IDV is the first step towards ensuring an infallible financial backup. So, get your ride insured and ride without the fear of any financial roadblocks.

Depreciation Rates for Your Bike

As per the Indian Motor Tariff Act, the depreciation on the bike will be such:  

FAQs

1. Why is it important to choose the correct IDV?

Choosing the right IDV ensures you get the maximum price for your vehicle in case of an accident.

2. How to check the IDV of my vehicle?

You can calculate the IDV of your bike by finding its market value and subtracting the depreciation from that price. Additionally, you can use online calculators to do so.

3. Can I choose a higher IDV than the market value?

While you can opt for a higher IDV, it will increase your premium. However, insurers may not accept an IDV significantly higher than the market value.

4.  How often should I review my bike's IDV?

It's advisable to review and adjust the IDV at each policy renewal to reflect the current market value accurately.

5. Does IDV affect third-party liability premiums?

No, IDV impacts only the damage component of the premium. Third-party liability premiums are fixed by the regulatory authority and are independent of the vehicle's IDV.

6. What happens if I understate my bike's IDV?

Understating the IDV can lower your premium but may result in insufficient compensation in case of total loss or theft.

7.  Is IDV applicable for add-on covers?

Yes, certain add-ons like zero depreciation cover can influence the effective IDV by covering depreciation costs during claims.

Conclusion

Understanding the connection between IDV and depreciation is important for bike owners. It helps you choose the best two-wheeler insurance and balance premium costs over time. It is advisable to consult your insurance provider periodically and adjust the insured declared value according to your bike’s age and condition to make the most of your insurance policy.

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

Insurance policy documents are among the important documents that we normally keep in a safe location. Losing some of your important documents is not very common, but sometimes it does happen. There could be a situation where you misplace your two-wheeler insurance policy document. You’ve made every attempt to find it, searched every nook and cranny of your house, but to no avail. Your two-wheeler insurance policy is an important document, without which you would be at risk while riding your two-wheeler.

How important are your bike insurance documents?

In India, possessing valid bike insurance is a legal requirement under the Motor Vehicles Act, 1988. Riding without it can lead to legal consequences, including fines and penalties. Beyond legal compliance, bike insurance documents serve several critical purposes:

• Proof of insurance: These documents confirm that your vehicle is insured, providing peace of mind and legal protection.
• Claims processing: In the unfortunate event of an accident or theft, the insurance papers are necessary to file a claim and receive compensation.
• Resale transactions: When selling your two-wheeler, potential buyers often request insurance documents to verify the vehicle's history and coverage.
• Traffic stops: During routine checks, traffic authorities may ask for your insurance papers. Not having them can result in fines or other legal issues.

How to get duplicate bike insurance documents offline?

The last and only solution for you now is to request your insurance company to issue a duplicate insurance policy document. But getting a duplicate policy document is not easy. There are certain pre-requisites that you need to perform before you can make an application for a duplicate policy document.

The prerequisites are:

• Filing a first information report (FIR) with the police

Not all insurance companies ask for a copy of an FIR filed with the police for your lost two-wheeler policy document. But it will certainly help in your seeking a duplicate two-wheeler insurance policy document.

• Issue an advertisement in a newspaper

You must publish an advertisement in a newspaper circulated in the region where the two-wheeler insurance policy document is lost. The advertisement will basically announce that you have lost your two-wheeler policy document and request that if someone finds the same, it be delivered or handed over to you. The advertisement will contain your address and/or your contact details.

• Execute an indemnity bond

An indemnity bond is the last of the documents you will need for submitting to your for submitting to your motor insurance company to apply for a duplicate insurance policy document. The indemnity bond should be executed in favour of your insurance company and also must be notarised. The indemnity bond has to be executed on a non-judicial stamp paper.

• Write an application to the insurer

After getting hold of these three documents, you are now ready to apply for a duplicate of your two-wheeler insurance policy. Write an application addressed to your general insurance company requesting them to issue you a duplicate two-wheeler insurance policy.

Please ensure you write the correct policyholder name, policy number, date of issuance, and type of insurance cover opted in the application. Attach the FIR, a copy of the advertisement issued in a newspaper, and the indemnity bond with the application. Remember to keep copies of the application and the documents safe with you for future reference.

If the two-wheeler insurance policy is in a joint name, please remember the application will have to be signed by both the joint policyholders.

• Pay applicable fees

There might be a nominal fee associated with issuing duplicate documents. Ensure you inquire about any charges and make the necessary payment.

How to get duplicate bike insurance documents online?

With the advent of digital services, many insurance companies offer the convenience of obtaining duplicate insurance documents online. Here's how you can do it:

1. Visit the official website: Go to your insurance provider's website and navigate to the customer service or policy management section.
2. Log in to your account: Use your registered credentials to access your account. If you haven't registered yet, you'll need to create an account using your policy details and personal information.
3. Request duplicate documents: Once logged in, look for the option to request duplicate policy documents. Depending on the insurer, this might be labelled "Download Policy," "Duplicate Policy," or "Policy Copy."
4. Verify your identity: You may be required to verify your identity through an OTP sent to your registered mobile number or email.
5. Download or receive via email: After verification, you can download the duplicate policy document directly from the website. Alternatively, some insurers may email the document to your registered email address.

Tips to follow if you have lost bike insurance documents

Losing your bike insurance documents can be unsettling, but following these tips can help mitigate potential issues:

• Check for digital copies – Look for an email or soft copy of your policy sent by your insurance company.
• Contact your insurance provider – Inform your insurer about the lost documents and request a duplicate copy.
• Download from the insurance website – Log in to the insurer’s website or app to download a copy of your policy.
• Use the DigiLocker app – If your policy is linked to DigiLocker, you can retrieve a legally valid digital copy.

FAQs

1. What should I do immediately after realising I've lost my two-wheeler insurance documents?

Check for policy documents in the email sent to you by the insurer during the insurance purchase. Contact the insurance provider to request a hard copy if you can't find it. You can also download a digital insurance copy from the insurer’s website or app.

2. Can I apply for duplicate insurance documents online?

Yes, many insurance companies offer online services where you can request duplicate documents through their official website or mobile app.

3. What information is required to request duplicate insurance documents?

You will need to provide details such as your policy number, vehicle registration number, and personal identification.

4. How long does it take to receive the duplicate documents?

The processing time varies by insurer. Online requests are typically processed faster, often within a few hours to a couple of days, while the offline method may take longer.

5. Can digital copies of insurance documents serve as valid proof?

Yes, digital copies stored in government-approved apps like DigiLocker or mParivahan are considered valid proof of insurance and can be presented during traffic inspections.

6. What preventive measures can I take to avoid losing my insurance documents?

Store digital copies in secure cloud storage or government-approved digital lockers, and keep physical copies in a safe place.

Conclusion

Losing your bike insurance documents can be inconvenient. However, by promptly informing your insurer and following the necessary steps, you can obtain a duplicate copy without much hassle. Embracing digital solutions and maintaining organised records can help prevent such issues.

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

Updated on 27-03-2025

The Road and Transport Ministry of India decided to amend the motor vehicle rules in order to provide a valid driving licence to youths between 16 to 18 years of age to drive e-scooters with a maximum speed of 70 km per hour. The government also notified that vehicle registration would be mandatory for these electric scooters and they will have a green number plate.

This blog will detail the rules and regulations regarding e-scooter operations in India. 

RTO Rules for Electric Bikes in India 

Under the current regulations, people between the ages of 16 to 18 can obtain a licence for driving two-wheelers with an engine capacity of less than 50 cc. However, while the legislation exists, no such vehicle is being manufactured in the country.

However, each applicant for the license to drive a ‘light 2-wheeled power vehicle’ will have to be aware of the traffic laws, road signs, and signals, apart from the general road safety regulations. He or she will have to undergo a requisite test as per the law to obtain a driving licence.

Law and Age Limit for Electric Scooters in India 

With the government bringing all-electric vehicles with motor power up to 4 kWh under the preview of law, teenagers between the ages of 16 to 18 years can ride them on roads with a valid driving licence. The move will also boost the sale of electric scooters, adhering to the government’s initiative to increase electric mobility in the country.

Benefits of Electric Scooters for Teenagers 

Electric scooters are beneficial on several levels-

1. There are eco-friendly and environmentally sustainable options for travelling. 
2. Electric scooters are cost-effective and have low maintenance. 
3. They are lightweight and have a compact design, perfect for smaller parking spaces. 

Do You Need a Driver’s Licence to Ride an EV Bike? 

No driver’s licence is needed for low-speed EVs. You also do not require registration or bike insurance for riding this type of electric bike. However, high-speed EVs require a licence and other legal requirements like registration and insurance. 

FAQs 

• Can a 16-year-old ride any electric scooter in India?

No, only low-speed EVs that run at 25 km/h or below are allowed for individuals of 16 years of age. 

• Are helmets mandatory for teenagers driving electric vehicles? 

Yes, wearing a helmet is recommended for safety, even if not legally mandated for low-speed vehicles. 

• What documents are required for driving a low-speed electric scooter?

No documents are needed for low-speed EVs. 

• What happens if a 16-year-old drives a high-speed electric scooter?

It is considered against the law and leads to penalties, fines, or, in some cases, seizure of the vehicle by authorities. 

Conclusion 

Electric scooters are a modern solution to issues like the cost of owning a vehicle, maintenance, and environmental worries caused by pollution from regular two-wheelers. In addition to allowing low-speed EVs for teenagers, the government is also trying to build an ecosystem for electric vehicles. This includes approving distinctive green number plates for all-electric vehicles with white fonts for private cars and yellow fonts for taxis. This will allow the electric vehicles to be easily identified for preferential treatment and proposed benefits. Also, don't forget to secure your ride with a suitable two-wheeler insurance policy.