Insured Declared Value is a key part of two-wheeler insurance. It shows the current market value of your bike or scooter and helps decide how much money you will receive if your vehicle is stolen or damaged beyond repair.

A proper IDV gives you the right insurance cover and helps you make clear, smart decisions about your two-wheeler. In this blog, we explain what IDV means, why it matters for used bikes and scooters and how it is calculated.

What is Insured Declared Value?

IDV or Insurance Declared Value plays a key role in chalking out the maximum sum assured in case of theft or damage of your two-wheeler. It is the maximum amount of money you are entitled to get if your vehicle is lost, broken down or is damaged beyond repair, within the policy cover period. The premium you pay for your vehicle insurance is directly proportional to the IDV.

Importance of IDV for used two-wheelers

IDV is especially important for the used two-wheelers for several reasons:

1. Accurate insurance cover

It's important to have the right IDV so your insurance works well for you. If your IDV is too high, you’ll have to pay more money for your insurance each year. That’s not ideal because you may be paying for more than what your bike is worth. If your IDV is too low, your insurance will be cheaper, but you won’t get enough money if your bike is stolen or badly damaged. You might not have enough to replace it. So, having the correct IDV helps you get fair protection without paying too much.

2. When buying or selling a used two-wheeler

If you are planning to buy a used bike or scooter, the IDV tells you how much it is worth today. It helps you understand if the seller is asking for a fair price. If you are the seller, you can use the IDV to set a reasonable price for your vehicle.

3. Getting a loan or finance

If you want to take out a loan to buy a two-wheeler, banks or finance companies will look at the IDV to decide how much money they can lend you. A higher IDV means your bike is worth more, so you might get a bigger loan. A lower IDV might mean you get less money from the lender. So, a proper IDV can help you get better loan offers.

4. Knowing the resale value

Even if you’re not selling your two-wheeler right now, knowing its IDV helps you understand how much it is worth in the market today. This is useful if you want to compare prices with other bikes or are planning to sell it shortly. IDV acts like a price guide, helping you stay informed about your bike’s current value.

In short, IDV is like the financial heartbeat of your two-wheeler. It tells you how much your ride is worth right now.

How do we calculate it?

A very important point to remember here is that IDV is not calculated on the price that 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.

Difference Between IDV of New vs Used Two-Wheelers

The main difference between the IDV of new and used two-wheelers is the rate of depreciation.

New two-wheelers: IDV is close to the purchase price as very little depreciation has occurred.

Used two-wheelers: IDV is lower due to higher depreciation. The older the vehicle, the lower the IDV.

This is why used bikes cost less to insure—they are worth less, so the risk to the insurer is smaller.

Also, for vehicles older than 5 years, the IDV isn’t calculated strictly by depreciation percentages. It’s agreed upon by the owner and the insurance company, often based on the condition of the vehicle, make and model and current market trends.

How does IDV affect the resale value of a used two-wheeler?

IDV plays a role in shaping the resale value of a used bike or scooter, but it’s not the only factor. Here’s how it influences resale:

• Guides buyers and sellers: A well-maintained bike with a higher IDV is seen as more valuable. Buyers often ask for the IDV to make sure they’re not overpaying.
• Negotiation tool: While it's not entirely accurate to say the IDV directly dictates the selling price, both buyers and sellers use the IDV as a reference during price negotiations.

However, the final resale price can also depend on other factors like brand popularity, modifications, mileage and service history.

Depreciation in IDV rates

In the terms of Insurance, depreciation is the calculated reduction in the value of an asset that changes with time. This is of utmost importance in the case of used vehicles. Ideally, depreciation is adjusted on the vehicle’s selling price as 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. In case the two wheeler is more than five years old, the IDV is calculated by an agreement between the insurance company and the policyholder.

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.

Conclusion

Understanding IDV is essential if you own or are planning to buy a used two-wheeler. It helps you know the actual value of your vehicle, ensures you get fair insurance coverage and plays a role in how much you can sell it for later.

IDV might sound technical at first, but it’s just about knowing what your bike is worth today. By keeping track of your two-wheeler’s IDV, you’ll be better prepared to make smart decisions, whether it’s about insurance, resale or simply taking care of your ride.

If you're looking to protect your bike in the best possible way, choosing the right two wheeler insurance policy is just as important as knowing the correct IDV. A comprehensive two wheeler insurance plan not only covers damages to your own vehicle but also includes third-party liabilities, theft and natural disasters.

FAQs

1. Can I choose my own IDV?

Yes, but only within a certain range. Insurance companies usually allow you to select an IDV in a range above or below the calculated value. Choosing too high or too low can affect your premium and claim amount.

2. Does IDV change every year?

Yes. IDV decreases every year as your vehicle gets older. That’s why premiums also tend to go down for older bikes.

3. Is higher IDV always better?

Not necessarily. A higher IDV means a higher premium. It’s better to choose an IDV that reflects the true market value of your two-wheeler.

4. How does IDV affect my insurance premium?

Higher IDV = Higher premium. Lower IDV = Lower premium. But if IDV is too low, the claim amount may be inadequate.

5. What happens if I sell my bike? Does IDV matter to the new owner?

Yes, it does. The new owner will use the IDV to get insurance and also assess how much the vehicle is worth. It helps with transparency during resale.

6. Is IDV valid for scooters as well?

Absolutely. IDV applies to all two-wheelers: motorcycles, scooters, mopeds, etc.

7. Can I increase the IDV of my old bike?

You can request a higher IDV, but insurers may not agree if the vehicle is too old or not in good condition. It must be justified.

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.

Going green is the need of the hour. With the Air Quality Index of Indian cities getting poorer day by day, decreasing our over-reliance on conventional vehicles and adopting electric mobility is a step in the right direction. The Government of India has also undertaken several measures to boost electric mobility in India under the National Electric Mobility Mission Plan of 2013.

Electric bikes are one of the best alternatives for urban transportation. Apart from helping curb air pollution, one of the most significant advantages of an e-bike is that it requires minor maintenance. Regular upkeep is necessary to keep it in running condition and minimise the risk of incurring high expenses on its repairs in the future.

Below are a few essential maintenance tips that can help you keep your electric bike in tip-top condition:

Regular cleaning of your e-bike

You need to wash or clean your e-bike regularly. It will help keep off the dirt, dust, and debris and protect the engine from foreign particles.

It would help if you cleaned or washed your e-bike at least once or twice every week. It's not advisable to use a pressurised hose or direct stream of water to wash your electric bike as its electrical parts can get wet and malfunction. Instead, you should use a low-pressure water stream. You can also use a damp rag to clean your e-bike and wipe it with a dry cloth.

Lubrication of moving parts

Proper lubrication of all moving parts of your electric bike is necessary. It will prevent the blocking of the chain and enable all mechanical parts of your e-bike to move correctly without grinding against each other.

You can either take your e-bike to a service station or apply lubricant yourself. If you're doing it yourself, remember to use a lubricant to all major moving parts of your bike to ensure that they keep working in the proper manner.

Keep checking the tyre pressure

Another important thing you need to do to maintain your electric bike is to keep checking the pressure on its tyres frequently. The tyres separate a vehicle from the road or, in other words, a vehicle stand on its tyres. Hence, properly inflated tyres are essential for your bike to run correctly on the road.

Under-inflated tyres can become a reason behind the poor performance of your e-bike. Worse, it can cause road accidents. Soft tyres increase the amount of drag and hence, affect the balance and stability of a two-wheeler. Also, running your e-bike on soft tyres will consume more power, and therefore, the battery may drain out more quickly.

Take care of the battery

The battery is the most critical component of an electric vehicle. It is the battery that provides power to an e-bike so that it can run. Therefore, you need to take good care of your e-bike's battery. You should properly charge your battery, and as a responsible bike owner, make sure that it's used correctly. Before attempting to charge your e-bike's battery for the first time, carefully read the manufacturer's instructions. You can find them in the instruction manual of your e-bike.

It would be best if you tried to keep your bike's battery at least above 30 per cent all the time. Try not to use any random bike battery charger for charging your bike's battery. Instead, use the one provided by the bike manufacturer only. Also, remember cool temperatures can quickly drain your e-bike's battery. Hence, park your bike at a heated place if the weather in your area turns frosty.

Replace brake pads if required

Check the brake pads of your electric bike every time before starting a ride. Take a good look at how they are holding up. It's very crucial to ensure that the brake pads of your e-bike are effective, or else you run the risk of a serious road accident.

If you find any problem with your e-bike's brake pads, replace them without any delay. Brake pads can be quickly and cheaply replaced when necessary. If you want, you can also check with your insurance company if it covers replacing the brake pads.

Go for the shut-down mode if you're not using your bike

These days, many electric bikes come with a shut-down switch that switches off the e-bike completely. In a situation when you know that you won't be using your e-bike for several days, you should go for the shut-down mode. This will help in conserving the battery of your e-bike. Keeping your bike in switch-off mode will also increase its life cycle and efficiency.

Common e-bike maintenance mistakes to avoid

When it comes to the maintenance of your e-bike, do not commit these mistakes-

• Deep discharging the battery
  Letting the battery reach 0% capacity can significantly reduce its overall life.
• Overcharging overnight
  Charging the battery continuously after it is full can degrade the battery cells over time.
• Cleaning with high-pressure water
  Using high-pressure water can force moisture into electrical components, potentially causing damage.
• Ignoring tyre pressure
  The tyre pressure needs to be right (not high or low) for the electric bike to run smoothly.
• Using incorrect chargers or lubricants
  Always follow the manufacturer's guidelines when choosing chargers and lubricants to avoid unnecessary damage.

Additionally, you should not ignore the importance of two-wheeler insurance in maintaining the longevity of your bike. Consult the insurance provider and find a comprehensive bike insurance that fits your needs.

When to seek professional help for your e-bike

While you can handle basic cleaning and inspections at home, there are times when professional assistance is necessary:

• Battery issues
  If you experience significantly reduced range or notice swelling, seek a professional battery check immediately.
• Electrical faults
  Persistent problems with connectors, wiring damage or malfunctioning display panels should be assessed by a technician.
• Brake servicing or replacement
  Worn-out brake pads or issues with hydraulic components must be repaired or replaced by professionals for safety.
• Suspension, bearings or major drivetrain work
  For complex parts like suspension and drivetrain systems, professional service ensures optimal performance.
• Electrical fire risk
  If you notice unusual smells, overheating or smoke while charging, stop using the bike and get it inspected right away.

Conclusion

The tips detailed in this blog can help you maintain your e-bike and keep it in excellent condition. However, remember, even after keeping your electric bike well, you can't rule out the chances of mishaps and damage completely. For such issues, it's advisable to keep your e-bike financially secure with the right two-wheeler insurance policy. It can offer coverage tailored for electric bikes and keeps you fully protected. Combine vigilance with regular servicing, and you can enjoy a reliable and efficient e-bike for years to come.

FAQs

1. How many times do I need to charge my electric bike?

Charging your e-bike after each ride is ideal but avoid letting the battery drop below 20%. Periodic top-ups help maintain long-term battery health.

2. Can I clean my e-bike with water?

No. Use a damp cloth only. Do not use high-pressure pipes as they can damage the fragile electrical gears.

3. Is two-wheeler insurance necessary for electric bikes?

Yes. At a minimum, third-party cover is legally required. However, a comprehensive bike insurance policy offers better protection, especially for high-value parts like the battery and motor.

4. What should I do if I detect battery swelling or overheating?

Stop using the battery immediately and contact a certified technician for a thorough inspection or replacement.

5. How often should I replace brake pads?

This depends on your riding frequency and conditions. Inspect the brake pads every few months and replace them when they show signs of wear or reduced braking performance.

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.

A two-wheeler is your daily companion, your freedom machine and sometimes your weekend escape. Whether you drive a gearless scooter or a powerful motorcycle, taking good care of your vehicle can add years to its life and keep it running like new.

In this blog, we will explore practical and easy-to-follow tips to increase your bike’s lifespan. From riding habits to seasonal care, we will also touch upon how having the right bike insurance plays a crucial role in protecting your vehicle from unexpected troubles.

Riding habits that prolong two-wheeler life

Here are some tips for you bikers and motorcyclists to help you maintain your vehicle and maximise riding pleasure:

• Following the speed limit:For achieving better mileage, use the correct gear while riding and ride within the speed limits suggested by the manufacturer. The clutch should be used only for changing the gear. Less usage of the clutch increases fuel efficiency.
• Tyre type:One of the most crucial elements for ensuring safety while riding is the use of proper ty Ensure that you use only the type and size of tyres recommended by the two-wheeler manufacturer.
• Tuned engines:Engines that are regularly tuned are more efficient, i.e., they produce higher power for lower fuel consumption.
• Do not overload: Avoid putting too much weight on the bike or overloading it beyond the recommended weight because it puts pressure on the bike suspension and negatively affects performance.

Cleaning and storage tips for better durability

Regular cleaning and proper storage prevent corrosion and keep your bike looking and running like new. Clean your two-wheeler with soap water and a soft cloth, preferably a sponge, to avoid scratching the body. Always cover the ignition switch and silencer prior to cleaning so that water does not enter these parts. Give your two-wheeler a shiny look by cleaning it methodically and regularly.

Here are some tips to clean some specific components of the bike during routine cleaning and maintenance-

• Spark plugs:These are of paramount importance for combustion. They need to be cleaned every 750 km in two-stroke engines and every 1500 km in four-stroke engines.
• Engine oil:Check the engine oil levels in your two-wheeler and change it regularly to enhance engine performance. Unchanged oil leads to sluggish engine performance, thereby increasing fuel consumption. Tips on maintenance
• Air Filter: Clean the air filter for improved performance and mileage. Cleaning agents containing silicon or chlorine affect the brake performance. Avoid applying such agents on brake discs and brake shoes. Also, note that dousing these parts with water can reduce the braking efficiency. In case your two-wheeler has disc brakes, check the level of braking fluid in your vehicle once a week.
• Brake Pads: Also, keep a lookout for worn-out brake pads, as replacing these in time can save your brake discs from permanent damage. Watch out for any snarled or kinked cables in your two-wheeler. Likewise, missing nuts and bolts or a strong odour of fuel should not be ignored. Get the vehicle inspected immediately to fix such issues.
• Tyre maintenance:Get your mechanic to inspect any bulge or crack in the ty While driving at high speed, if you unexpectedly encounter a bump or hit a pothole, it might be a good idea to pull over and check the tires for signs of physical damage.
• Carburettor and Valves:Cleaning the carburettor and valves after every 1500 km is essential for a smoother engine.
• Parking:Exposure to sunlight dulls the body paint. As long as possible, park your vehicle under a shade.

Remember, damage from neglect is not always covered under comprehensive bike insurance, so it pays to maintain your ride properly.

Common mistakes that reduce your two-wheeler’s life

Even experienced riders make small mistakes that can lead to big problems over time. Here are some to avoid:

• Skipping regular servicing: Delayed maintenance can result in engine wear and performance loss.
• Using poor quality engine oil: Low-grade oil fails to protect engine components properly.
• Ignoring unusual sounds or vibrations: These could be early signs of mechanical issues.
• Employing the clutch as a footstool: It wears down the clutch plates unnecessarily.
• Running on low fuel regularly: This can overheat the fuel pump and cause long-term damage.

Avoiding these mistakes does not just improve performance, it also ensures that your bike insurance policy remains valid, as insurers may deny claims for damage caused by neglect.

Seasonal maintenance tips

Different seasons affect your two-wheeler differently. Here’s how to keep your bike ready year-round:

Monsoon care:

• Apply anti-rust spray on metal parts
• Check and replace worn-out tyres and brakes
• Ensure your headlight, tail light and indicators are working properly

Winter care:

• Warm up your engine before riding
• Check battery performance—cold can reduce its charge
• Clean and lubricate the chain to prevent stiffening

Summer care:

• Keep an eye on coolant levels if applicable
• Park in the shade to avoid fuel evaporation
• Check tyre pressure as heat can cause it to rise

Also, review your two-wheeler insurance policy before peak seasons, and consider add-ons that offer extended protection beyond standard third-party bike insurance.

Conclusion

Your two-wheeler can serve you well for many years if you take care of it the right way. Good riding habits, regular cleaning, seasonal maintenance and avoiding common mistakes are key to keeping your bike road-ready and reliable. Pair that with a solid bike insurance policy, and you’ve got peace of mind every time you ride.

FAQs

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

Ideally, every 3,000- 5,000 km or once every 3 to 6 months. Always follow your manufacturer’s service schedule for the best results.

2. Is third-party bike insurance enough to protect my vehicle?

Third-party insurance is mandatory by law and it provides liability protection against the injuries caused to others or damage to their properties by your bike. However, for your and your vehicle’s safety comprehensive bike insurance is better. It provides coverage for any harm caused to the owner and the vehicle.

3. What is the best way to store a bike for long periods?

The best way to store the bike is after cleaning it, inflating the tyres, removing the battery and covering it, before parking it in a dry and shaded area.

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

Riding is a calming and relaxing experience that lets you ease stress and enjoy the sense of freedom that comes with it. The wide-open road, the gentle cool breeze on your face and the satisfaction derived from tackling those sweeping turns perfectly all add up to the thrill. All this would be great if it weren’t for the winter season.

Riding in the winter is a lot difficult and is especially excruciating in regions that receive snowfall. Wearing appropriate winter riding gear, prepping your bike properly and keeping yourself nourished and hydrated are crucial to having a comfortable, fulfilling and safe ride, even when the weather is against you.

Importance of motorbike safety in winter

Winter conditions- low temperatures, poor grip and reduced visibility- significantly increase the risk of accidents. Slippery roads and cold-induced rider fatigue demand a more cautious approach. Slowing down, increasing following distance and wearing proper gear are not optional; they are essential not just for safe riding but for safeguarding your legal and financial interests under two-wheeler insurance.

How cold weather affects your motorcycle?

Cold weather impacts your bike in several ways:

• Tyre pressure drops, compromising grip and range 
• Battery performance degrades, making starts difficult and increasing electrical failure risk.
• Engine oil thickens, making lubrication less effective in freezing temperatures 
• Increased chances of road hazards due to black ice, frost, slush and salted surfaces. These all reduce traction and increase stopping distances, leading to mishaps.

Essential winter riding gear for motorcyclists

Proper gear can be the difference between a safe, warm ride and serious discomfort or mishap:

• Layered clothing: Use thermal base layers, insulating mid-layers and waterproof outer garments.
• Helmet: Choose a full-face helmet with a fog-resistant visor and consider heated or wind-sealing options.
• Gloves and boots: Waterproof, insulated gloves and sturdy winter boots protect extremities from frostbite and loss of dexterity.
• Other gear: Neck gaiters, balaclavas, reflective clothing, and optional heated grips or inner liners are highly recommended 

Pre-ride motorcycle maintenance tips for winter

Riding in winter is quite different than riding in warmer climates: there is cold wind biting your face, the cold tires have limited traction and visibility is low. There are some modifications that you can do on your bike to make your ride a lot better-

• A large windscreen that offers better wind protection and deflects the cold air suitably can be installed.
• Handguards can also be fixed to stop your hands from freezing and going numb; heated grips are also a great addition that enhances the comfort factor manifold.
• Adventure-style foot pegs will help you immensely by providing optimal foot grip, even in low-grip conditions.

Apart from these modifications, the necessary regular checks need to be done, so that even the slightest trouble does not arise during the journey. A busted hose or faulty electrical wiring can spell disaster. Ensure that the tyre pressure is lower than regular. This will increase tyre flex and enhance tyre warming for better traction. Check the fuel and get the battery serviced to ensure a smooth ride.

Treading the winter roads requires extra precautions, which is why you should get a good two-wheeler insurance policy before taking your bike out in the cold weather.

Post-ride care for your motorcycle in winter

Your bike needs attention after cold rides:

• Clean and dry all surfaces to remove salt and sludge.
• Apply a protective wax or rinse to vulnerable parts.
• Charge the battery after each ride; cold slows down self-charging.
• Inspect for wear and tear: frozen switches, pinched cables, or stiff controls need addressing.

Conclusion

It is necessary to take proactive safety measures to stay protected during your rides in winter. Just like this, it is equally vital to take out two-wheeler insurance. It not only gives you the confidence to take out your ride in the most extreme environments but also takes care of any expenses should anything untoward happen.

Ensuring you are covered by a comprehensive two-wheeler insurance policy is especially valuable in winter due to the increased risk of damage, theft and corrosion. With the right approach, you can enjoy the winter roads with confidence and control.

FAQs

1. Do I need special tyres for winter riding?

Consider winter-specific tyres or studded options if you often ride in freezing or icy conditions. Maintain correct tyre pressure, as cold reduces PSI by roughly 1 psi per 3 °C.

2. What if my bike does start in the cold?

Check and recharge the battery. If issues persist, have it tested or replaced. Use a trickle charger during storage.

3. How critical is winter gear visibility?

Visibility is vital. Shorter daylight hours and poor weather reduce rider visibility. Reflective gear and extra lighting dramatically increase your safety.

4. Should I continue riding through snow or ice?

It is best to avoid snowy or icy roads, as traction is dangerously reduced. If you must ride, go very slowly and use studded or winter tyres.

5. Is two-wheeler insurance valid in winter?

Yes. However, a comprehensive two-wheeler insurance policy offers better protection by covering theft, accidental damage, and corrosion, common risks during winter.

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.

Looking for the road trip of a lifetime? These offbeat coastal roads deliver breathtaking views, hidden gems, local flavours and unforgettable driving moments. From the solo riders to groups cruising with friends or planning a romantic getaway, these 10 coastal routes promise adventure, serenity and sheer scenic pleasure. Let’s explore these coastal treasures and hit the road to discover the extraordinary.

Ten coastal roads you should consider for a road trip

These ten coastal roads- from the rugged cliffs of Ireland to Asia’s emerald shores- offer a mix of natural beauty, adventure stops and cultural highlights worth exploring:

1. Wild Atlantic Way, Ireland

This coastal road spanning 2,500 kilometres is an amalgamation of all the best that Ireland has to offer. Rugged landscapes, jagged cliffs, scenic beaches and imposing castles are a delight to watch on this road, which runs along the west coast of Ireland. The route encompasses some of the best ribbons of asphalt that can be driven on.

The route also offers local delicacies such as fresh oysters, smoked salmon and delicious cheeses. You can stop over for some wine and traditional music at the many pubs dotting the route. The entire stretch is also a haven for surfers. However, the biggest waves and the legendary Aileens can be witnessed at the Mullaghmore Head off the Cliff of Moher.

2. Gaspésie Tour, Quebec, Canada

The Gaspésie Tour is a legendary scenic drive that goes around Canada’s Gaspe Peninsula. The 1,026 kilometres long drive offers splendid scenery, rich dose of history, bucolic fishing villages and picturesque lighthouses. The interiors of the Gaspe Peninsula house wildlife reserves that are home to moose, caribou and black bears.

For adventure seekers, the coastline is dotted with places that offer kayaking trips and whale watching tours. Tall lighthouses can be found on the way at the Forillon National Park, Quebec’s first national park that is spread over 244 square kilometres. The Rocher Percé (Pierced rock), a huge rock formation sculpted by sea and wind, is also one of the major attractions on the route.

3. Pan-American Highway, Southern Peru

The coastal desert section of the highway between Lima and Tacna has all the ingredients for a perfect road trip. It is the best getaway from Peru’s crowded tourist hotspots. A well-maintained road stretching over 1,330 kilometres, the highway encompasses places of historical significance, wildlife reserves and excellent wineries.

A slight detour taken can reward you with a trip to Illas Ballestas, an island that is extremely rich in marine life with plenty of sea lions, pelicans, Peruvian boobies and penguins to be seen. The idyllic fishing town of Chala is an ideal getaway with kayaks, jet skis and horseback riding. Tax-free Tacna on the Chilean border is also popular amongst travellers.

4. Adriatic Coast, Croatia

Croatia’s phenomenal coastline is an idyllic place to drive. Pebbly beaches, crystal clear waters, olive plantations and old towns with baroque buildings make this 746-kilometre ride a journey to remember for a lifetime. With farmer’s roadside stalls and mountains plunging into the sea, the entire route is breathtakingly beautiful.

Istria in the north is famous for its well-preserved Roman ruins. The city of Split is another great location with monumental attractions to its name, primarily the incredible Diocletian’s Palace and the dominating Cetina Gorge. The route fittingly ends at Dubrovnik, a city that has marble streets, old stone buildings and an exceptional view of the Adriatic Sea.

5. Fjords and Islands of Norway

A truly enchanting experience awaits those who venture for a road trip through Scandinavia’s rugged landscape. Norway is a land where mountains and seas abound with weather and light changes being in the extreme. A 1,039-kilometre trip from Lofoten Islands to the Arctic Ocean will take you past enormous mountain peaks, deep fjords and colourful fishing villages.

Towards the north lie fjords, mountains and windswept beaches that are almost untouched by humans. The more you move towards the north, the wilder the scenery becomes and you can even spot reindeers on the road. Riding on this scenic route, you will be a lot closer to the North Pole than you can imagine.

6. North Coast 500, Scotland

Winding through the dramatic Scottish Highlands, the North Coast 500 is an 830-kilometre loop that begins and ends at Inverness, tracing the rugged northern coastline. Along this route, vast moors, weather-beaten cliffs and mysterious lochs unfold in breathtaking succession.

From the fairytale-like ruins of Ardvreck Castle on Loch Assynt to the jagged rock formations at Duncansby Stacks, this route is a photographer’s dream. Wildlife enthusiasts can spot seals, puffins, red deer and even golden eagles. Stop for traditional Scottish fare at a roadside inn or sample peaty single malts from centuries-old distilleries. Despite its remoteness, the NC500 offers smooth tarmac and well-marked trails, ideal for both cars and bikes.

7. Great Ocean Road, Australia

Stretching 240 kilometres from Torquay to Allansford in Victoria, the Great Ocean Road is one of the world’s most iconic coastal drives. What sets it apart is the dramatic meeting of rainforest, surf and sea-sculpted limestone cliffs. The route meanders past the famed Twelve Apostles, towering limestone stacks rising from the ocean, as well as waterfalls, koala-inhabited eucalyptus trees and misty rainforests.

This World Heritage-listed road was built by returned soldiers and dedicated to fallen comrades, making it the world’s largest war memorial. A trek through the Great Otway National Park reveals ancient ferns and hidden waterfalls, while local farmers’ markets in coastal towns offer artisan cheeses and local wines.

8. Garden Route, South Africa

The Garden Route, running for about 300 kilometres along South Africa’s southeastern coast between Mossel Bay and Storms River, is an emerald ribbon of coastal bliss. It has a mix of indigenous forests, rugged cliffs, blue lagoons and golden beaches.

Picturesque towns like Knysna and Plettenberg Bay offer the charm of colonial-era architecture, oyster bars and waterfront cafes. Tsitsikamma National Park, part of the route, invites you to walk across its iconic suspension bridges or kayak through dramatic gorges. Birdwatchers will delight in the chance to see the elusive Knysna Turaco, while adventure seekers can bungee jump from Bloukrans Bridge, one of the world’s highest.

9. Indian Ocean Drive, Western Australia

The Indian Ocean Drive runs from Perth to Geraldton, covering around 269 kilometres of wild, untouched coastal terrain. This lesser-known road is a gem for travellers seeking tranquillity, aquamarine waters and encounters with unique Australian landscapes.

Popular stops include Lancelin, with its vast sand dunes ideal for dune bashing and The Pinnacles Desert in Nambung National Park, where thousands of limestone spires rise eerily from the yellow sands. The turquoise waters at Jurien Bay offer opportunities for snorkelling, skydiving or simply watching sea lions laze on the rocks.

10. Pacific Coast Highway, USA (Northern Section)

The Pacific Coast Highway, specifically the stretch from San Francisco to Astoria, Oregon, covers over 1,000 kilometres of striking coastal terrain. As you leave the Golden Gate Bridge behind, the road unfurls into towering redwood groves, fog-draped cliffs and windswept beaches where whales breach offshore and surfers dance with the waves.

Highlights include Mendocino, a coastal village frozen in time; the majestic Redwood National and State Parks; and Cannon Beach in Oregon, where Haystack Rock rises dramatically from the Pacific. Quaint coastal towns like Bodega Bay and Eureka offer fresh clam chowder, roadside art galleries and historic lighthouses.

Conclusion

From Ireland’s rugged cliffs to the emerald coasts of South Africa, exploring these enticing locations on a motorcycle is an experience to remember for a lifetime. However, things can go awry at times and it is better to have two-wheeler insurance if you are travelling on your own vehicle and a travel insurance to protect you otherwise. A comprehensive bike insurance typically includes protection against accidents, theft, natural calamities, third-party liabilities and even roadside assistance. It ensures you're fully protected, no matter which scenic route you choose to explore on your two-wheeler.

FAQs

1. Do I need bike insurance for these routes?

Yes, especially if you are riding a motorcycle. Comprehensive bike insurance protects you against theft, damage and third-party liabilities while cruising these remote coastal roads.

2. Is bike insurance mandatory?

Most countries require at least basic third-party bike insurance, but comprehensive bike insurance is optional and recommended for full protection.

3. Best time to ride these coastal routes?

Generally, shoulder seasons (spring/fall) offer milder weather and fewer crowds. For example, spring along the Wild Atlantic Way or the Garden Route is ideal.

4. Can I drive these routes in a car?

These roads are perfect for cars, motorcycles or campervans. Just tailor your insurance accordingly.

5. Are they family-friendly?

Yes, many of these routes include stops for short hikes, beaches, wineries and wildlife encounters suitable for all ages.

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.

After the purchase of a motorcycle, two-wheeler insurance is the next thing that is needed; it is also mandatory by law to have one. Scooter or bike insurance is mostly viewed as a formality by many riders and hence not much thought is given to the policy while buying one. Understanding policy wordings and getting to know the terminologies is also considered a tedious task by some. These often lead to committing mistakes when buying a policy, resulting in major setbacks later during the claim process. However, if you keep certain points in mind, you can avoid many pitfalls when obtaining a two-wheeler insurance plan.

Types of two-wheeler insurance policies

There are mainly two types of two-wheeler insurance offered for bike owners in India-

1. Third-party bike insurance: This is the most basic and legally mandatory form of insurance. It covers injuries or damages caused to a third party (person or property) due to your vehicle. This does not cover the damages to your vehicle.
2. Comprehensive insurance: This type of policy includes third-party liability as well as own damage cover for damages to your bike due to accidents, natural calamities, theft and fire. This ensures wider coverage and financial stability.

A standalone own-damage cover is also available. This can be purchased separately along with a third-party plan, allowing more flexibility in choosing own-damage coverage from any preferred insurer.

How to choose the right two-wheeler insurance policy?

Choosing the right policy depends on your bike’s usage and riding location, and your financial priorities. Here are a few key considerations:

• Assess your needs: If you use your bike frequently, especially in congested or high-risk areas, a comprehensive policy with suitable add-ons is advisable.
• Compare premiums and coverage: Don't fall for the lowest premium. Use online platforms to compare policy features, benefits and claim ratios of different insurers.
• Look for cashless garage networks: A wide network of cashless garages ensures faster, hassle-free repairs.
• Check for add-ons: Based on your bike’s age and condition, you can opt for various add-on covers, purchased separately, such as NCB and engine protection covers.

Myths around two-wheeler insurance that need to be busted

Many misconceptions surround bike insurance, leading to wrong decisions. Here are some myths and realities related to motor insurance:

• Myth: Third-party bike insurance is enough to stay safe on the road.
  • Truth: It is mandatory, but it does not protect your own vehicle.
• Myth: All insurance policies are the same.
  • Truth: Coverage, services, add-ons,- and claim experiences vary significantly across insurers.
• Myth: Claiming insurance means losing NCB entirely.
  • Truth: If you have an NCB protector, you can keep your bonus even after a claim.
• Myth: EVs do not need insurance.
  • Truth: Electric vehicles also require the same legal and financial protection as regular bikes.

Mistakes made while buying two-wheeler insurance for electric vehicles (EVs)

Considering buying a new bike insurance for your EV? Steer clear of these mistakes to get the maximum value for your money-

1. Not declaring battery type for EVs

If you own an electric two-wheeler, it is crucial to accurately declare the battery type- whether it is lithium-ion, lead-acid or another variant. The battery is one of the most expensive components in an EV, and different types come with different risks and coverage needs. Not disclosing this properly can lead to claim complications or insufficient coverage.

2. Buying cheap insurance

The mistake people often make is that they consider only the cost as the primary factor for insurance selection. A policy with a cheaper premium might seem more enticing from the savings perspective, but that can be folly. Cheaper policies might not have the appropriate coverage for your bike and can result in huge losses when your two-wheeler gets into an accident.

3. Due diligence not done

Buying a policy in haste can lead to you purchasing a plan on the expensive side. Before opting for a particular policy, it is best to research and explore all the options available. This exercise will not only help you to be aware of all the plans available in the market but will also enable you to get more benefits at the most competitive price.

4. Not reading policy papers

This is a widespread mistake that is being committed by the majority of policyholders. It is imperative for anyone thinking of buying the policy to read the policy wordings in detail. There is also the need to go through the ‘exclusions’ list as it might so happen that the coverage you seek may fall under this. If that turns out to be the case then the benefit you’re seeking in the policy will not be covered. Hence, it is always better to fully understand the pros and cons of the policy before committing to it.

5. Not claiming NCB

NCB or No Claim Bonus is the reward that an insurance company gives you for not making a claim during the policy tenure. This usually comes in the form of a discount on the policy premium for the coming year.

You are eligible for the NCB when you are buying a new policy or renewing the existing plan. It is a good idea to make use of the NCB benefit if you are opting for a new plan, as it can get you a good discount.

6. Ignoring IDV (Insured Declared Value)

IDV is the maximum amount your insurer will pay if your bike is stolen or completely damaged. You may be inclined to reduce the IDV for a lower premium, but this also means that in case of a total loss, the payout will be lower than the actual value of the vehicle. Similarly, inflating the IDV will lead to paying more than the ideal premium. It is important to declare the right IDV based on your bike’s current market value to strike the right balance between premium and coverage.

Government regulations & mandatory two-wheeler insurance

According to Indian law, it is a must for all two-wheelers to have at least third-party bike insurance. This ensures that victims of accidents caused by your bike are compensated. Driving without valid insurance can lead to:

• Hefty fines
• Legal liability
• Bike registration suspension

Additionally, new two-wheelers must be insured with a long-term third-party cover (typically for 5 years) as per IRDAI norms. Regular renewals, timely updates to policy documents and adherence to legal norms are essential to avoid complications.

Conclusion

Two-wheeler insurance is your financial guardrail against various risks. Whether you are insuring a conventional bike or a high-tech electric scooter, understanding your policy options, avoiding common mistakes and staying informed about regulations ensures long-term protection and peace of mind. Do not let myths, misjudgements or missed renewals cost you dearly. Make a smart move today, compare, customise and choose a bike insurance policy that truly fits your needs.

FAQs

1. Can I change my third-party policy to comprehensive two-wheeler insurance?

Yes, you can upgrade during renewal or even mid-term with the insurer's approval.

2. Is insurance mandatory for electric scooters?

Yes, insurance is mandatory for e-scooters. Both third-party and comprehensive insurance policies are available for EVs.

3. What happens if my policy expires?

If your policy remains expired for a long period, your vehicle will remain unprotected against risks and you lose the accumulated NCB. Renew within the grace period to avoid this.

4. Can I transfer bike insurance to a new owner?

Yes. When selling your bike, you must transfer the insurance policy along with ownership.

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 several road routes to etch momentous rides on a bike, but some routes stand out when it comes to monsoons. The rain-drenched thick foliage and the hilly terrains weave magic as you drive through for long hours. The monsoon also poses certain challenges to a biker. The ride is a form of tryst with nature and your higher self. So if you’re planning for that long ride on a weekend, be sure to check these routes out!

Five road trips that should be undertaken during monsoons

Here are five scenic and soul-stirring monsoon bike routes every rider must experience:

1. Darjeeling to Gangtok

As the majestic Kanchenjunga welcomes you with its arms wide open, the lush green landscape, misty clouds and terraced tea estates present an elating four-hour journey of bliss. If the weather permits, you can ride a further 40 km to Lake Tsomgo. Even as you enjoy the tapestry of nature, do not forget your helmet while riding.

Distance: Approximately 120 km

Duration: 3 to 4 hours approximately

Route: NH 31A or NH 710

2. Chandigarh to Kasauli

Chandigarh to Kasauli is a popular, short road trip made more mesmerising by the soaked mountain ranges and the stunning views filtering through the foggy clouds. It can be a great weekend getaway in the monsoons. Kasauli is a hill station and steering through the stunning and serene mountains that stand tall against the monsoon winds is going to be a feather in your hat.

Distance: 59 km approximately

Duration: 2 hours approximately

Route: National Highway 22

3. Manali to Leh

The tough terrain cannot be the spoke in the wheel for a biker who wishes to embark on the dream journey to Leh from Manali. Falling under trans-Himalayas, Ladakh is a rain shadow region, where not many rain-bearing winds traverse. However, it does get its share of the monsoon pie. However, for a braveheart, slush, landslides and torrential water crossings cannot pose a threat.

Distance: 475 km approximately

Duration: 2 to 3 days approximately

Route: Via the Leh highway

4. Hyderabad to Tirupati via Nallamala Forest

Moving down South, Nallamala is a dense reserve forest that connects to Tirupati. The jungle comes alive during rains and several interesting flora and fauna greet you as you cruise through. Monsoon lends this place a special attraction, and the fresh, cool breeze only adds to the sense of joy.

Distance: 347 km approximately

Duration: 6 hours approximately

Route: State Highway from Hyderabad

5. Mumbai to Malshej Ghats

Malshej, known for its marvellous waterfalls and forts, is a popular weekend getaway. Stretches of exuberant greenery, sky splashed in a kaleidoscope of colours and scenic landscapes offer intoxicating moments to remember. It is easily accessible from both Mumbai and Pune. Start early as getting out of the city is time-consuming and cumbersome.

Distance: 130 km from Mumbai and 120 km from Pune

Duration: 4 hours approximately

Route: NH 3/NH 222 from Mumbai and NH 50/NH 222 from Pune

Challenges of monsoon biking and how to overcome them

Monsoon rides can be unforgettable, but also risky if not planned properly. Here are common challenges and tips to overcome them:

• Slippery roads: Wet surfaces reduce tyre grip. Use tyres with good tread and ride at moderate speeds.
• Low visibility: Heavy rains and fog can reduce visibility. Wear high-visibility rain gear and use anti-fog visors.
• Waterlogging: Avoid riding through deep puddles. Continued exposure to water can degrade the engine and electric wires of the two-wheeler.
• Brake efficiency: Wet brakes can be less responsive. Apply them gently and more frequently to keep them dry.
• Health issues: Riding in wet clothes can lead to colds or fatigue. Carry spare dry clothes and stay warm.

Also, do not forget to check if your two-wheeler insurance policy covers monsoon-related damages. Many comprehensive plans offer protection against water damage, accidents in wet conditions and even roadside assistance.

Maintenance tips for your bike after a monsoon trip

After your adventure, give your bike the care it deserves:

• Wash off mud and grime: Use gentle cleaning products to avoid corrosion.
• Dry your bike thoroughly: Pay attention to dry hard-to-reach areas that trap moisture.
• Lubricate the chain and moving parts: Rain can wash off lubrication, leading to rust.
• Check your brakes and tyres: Wet rides wear them out faster.
• Inspect the electrical system: Water exposure can affect wiring and battery connections.

Post-monsoon servicing also ensures your bike stays in top condition for your next ride, and keeps your comprehensive two-wheeler insurance claims valid with timely maintenance.

Conclusion

Monsoon road trips on a bike can be magical, full of adventure, connection with nature and unmatched freedom. However, riding in the rain also demands extra caution, preparation and care. Whether you are riding through misty mountains or breezy coastal roads, make sure your journey is as safe as it is scenic. And above all, ride protected. Having the right two-wheeler insurance, especially a comprehensive policy, ensures you can enjoy the thrill of the ride without worrying about the risks.

FAQs

1. Do I need to get a two-wheeler insurance even for a short journey during the monsoon season?

Yes. Even short rides can pose risks due to slippery roads, low visibility, or water damage. A comprehensive two-wheeler insurance policy gives you all-around protection, whether it’s a day trip or a week-long journey.

2. Does insurance cover engine damage due to water?

Engine damage is not always covered under standard policies. However, many insurers offer an engine protection add-on with comprehensive policies that specifically cover monsoon-related engine damage.

3. How can I prepare my bike for a monsoon ride?

Waterproof your essentials, install mudguards, check your tyre grip, wear quality rain gear and ensure your insurance policy is updated and active.

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 recent rollout of GST 2.0 has sent ripples through many industries, and bikers who opt for the two-wheeler insurance policy are among those feeling this shift. The revised tax slabs now make smaller bikes more affordable, while premium motorcycles attract higher tax rates, altering the overall value of the vehicle. Since a bike’s insurance premium is directly linked to its market value or Insured Declared Value (IDV), these changes have a direct impact on what riders pay annually for coverage.

This article breaks down how GST 2.0 affects two-wheeler insurance premiums, what to watch out for and tips that can keep the insurance budget in check.

What changed in the revised GST rates?

Currently, no changes have been declared for the GST on the two-wheeler insurance premiums, whether you’re purchasing a new policy or renewing the existing one. This clearly means that the tax component on the bike insurance stays completely unchanged for now. However, for the sale of two-wheelers, there have been certain changes.

Under the GST 2.0 regime (effective 22nd September 2025), the GST rates on the new bikes have been revised, as outlined below:

How the revised GST affects bike insurance premiums

Your two-wheeler insurance premium has two parts: base premium and GST component. The GST on bike insurance continues to be 18%, so that portion of your premium stays the same. What can change, however, is the base premium, which depends largely on your bike’s Insured Declared Value (IDV), its current market price.

If GST 2.0 leads to a drop in bike prices, the IDV will also decrease, bringing down the premium slightly. On the other hand, if GST revisions raise the vehicle’s price, the premium will increase accordingly.

In simple terms, GST 2.0 doesn’t directly affect insurance costs, but any change in your bike’s market value under the new tax structure can influence what you pay for coverage.

Comparison: Bike insurance premiums before and after GST revision

To understand how GST 2.0 may affect insurance costs, let’s look at two examples:

Example 1: Commuter bike (150 cc)

With GST dropping from 28% to 18%, the IDV falls by roughly 8%, leading to a small decrease in the insurance premium.

Example 2: Premium motorcycle (Above 350 cc)

With GST + cess rising from 31% to 40%, the IDV and corresponding premium increase by about 7%.

Note: The numbers are for illustrative purposes only. The actual amount might vary based on the geographic zone, insurer, add-ons, rider profile, bike model and more.

Impact on new vs. renewal bike insurance policies

The pointers below show the effect on the renewal and new bike insurance policies:

1. For new policies

The effect of GST for two-wheeler insurance is seen mainly when buying a new policy. Since GST is included in the vehicle’s purchase price, a lower GST rate on smaller bikes can slightly reduce their cost and, in turn, lower the insurance premium. However, for premium bikes (above 350cc), the higher 40% GST increases the price and raises the insurance premium accordingly.

2. For renewal policies

For renewals, GST 2.0 makes no difference. The GST on your bike was already paid at the time of purchase, and the renewal premium depends on depreciation and coverage type, not new tax rates.

How to save on bike insurance premiums despite GST hike?

If you want to save on the bike insurance premiums, here’s how you can get it done:

• You should pick a base premium that is reasonable. This means it’s neither too high nor too low. That way, the GST portion stays manageable.
• Make sure to avoid unwanted add-ons if you seldom use them. Every add-on has GST applied, so when you have fewer add-ons, it leads to a lower cost.
• Maintain a proper NCB (no-claim bonus) by driving safely. Doing so might lower the base premium, which, in turn, reduces the GST amount.
• Go for the multi-year policies if provided. At times, these policies offer discounts that offset the GST effect.
• If you use the approved anti-theft device, it can lower the risks and also the premium, which also reduces the base for GST.

Role of bike insurance in financial protection

A bike insurance policy plays an important part in the financial safety net:

• Comprehensive insurance: The comprehensive two-wheeler insurance helps in covering third-party liability, your own damage and protects you from compensation costs and unexpected repairs, such as damage from man-made events, such as vandalism or natural disasters like flood.
• Third-party insurance: This cover provides essential financial and legal protection. Firstly, it helps you stay compliant with the Motor Vehicles Act, 1988, which makes third-party insurance mandatory for all riders. Secondly, it protects you from bearing heavy expenses in case your two-wheeler causes accidental damage, injury or loss of life to another person or their property.

Conclusion

Although the recent GST revisions affect the overall cost of owning a bike, the bike insurance GST percentage for the premiums remains at 18%. By choosing only essential add-ons, maintaining a claim-free record and comparing premiums before renewal, you can manage your expenses effectively. In the end, a small tax difference is a fair price for the strong financial protection that bike insurance provides.

FAQs

1. Does the GST apply to the bike insurance premium?

Yes. In India, the insurance premium for the two-wheelers has an 18% GST base premium (including the add-ons) under regular circumstances.

2. Is it possible to avoid the GST by picking only a third-party cover?

No. It’s because the third-party covers also consist of GST at the same rate as the comprehensive one under the current regulations.

3. When did the new GST rates come into effect?

The revised GST for two-wheelers and other vehicles came into effect on 22nd September 2025.

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.

The clutch on your motorcycle is key to smooth rides, easy gear shifts and better control on the road. Whether you are commuting in the city, going on weekend rides or hitting the track, the type of clutch affects your riding experience. Picking the right clutch can make riding more comfortable, improve performance and reduce maintenance issues.

In this guide, we explain the main types of motorcycle clutches, their pros and cons and which bikes use them so you can choose what works best for you.

What is a motorbike clutch?

A bike clutch connects the engine to the gearbox and controls power delivery. Pulling the clutch lever disconnects the engine from the transmission, allowing gear changes without damage.

Releasing the lever gradually re-engages the engine, sending power smoothly to the rear wheel. Clutches enable smooth starts, precise gear changes and protect the engine and transmission during sudden starts or stops.

Types of motorbike clutches

Here are some of the types of motorcycle clutches.

1. Wet clutch

A wet clutch is the most common type in motorcycles. The clutch plates are immersed in engine oil for lubrication and cooling, which reduces wear and tear and keeps the clutch quiet during operation.

Examples: Royal Enfield Scram 440, Royal Enfield Classic 350

2. Dry clutch

A dry clutch operates without oil and is fully exposed outside the engine casing. This setup transfers power directly from the engine to the wheel, giving faster response. Dry clutches are mainly used in high-performance and racing motorcycles.

Examples: Ducati Panigale V4 S, Ducati Panigale V4

3. Slipper clutch

Also called a back-torque limiter clutch, a slipper clutch prevents rear-wheel hop during hard downshifts. It allows the clutch to slip partially until engine speed matches wheel speed, which is crucial for sports and racing bikes.

Examples: TVS Apache RTR 200 4V, Yamaha R15 V4

4. Multi-plate clutch

Multi-plate clutches use several interleaved friction plates to handle higher torque in a compact space. They can be wet or dry and are common in modern motorcycles with high power but limited gearbox space.

Examples: Yamaha MT 15, Honda CB 350

5. Centrifugal (automatic) clutch

Centrifugal clutches engage automatically at a predetermined engine RPM without requiring a lever. They are commonly found on scooters and entry-level motorcycles, making riding easier for beginners and city commuters.

Examples: Honda Activa 125, Honda Dio 125

6. Electronic clutch (E-clutch)

Electronic clutches automate engagement while still allowing manual control. They use an electrohydraulic or electronic system to control clutch movement, offering convenience without sacrificing manual operation.

Examples: Honda CBR 650R, Honda CB 650R

7. Diaphragm spring clutch

Diaphragm spring clutches use a single spring to apply even pressure on clutch plates. They are lighter, more compact than coil spring clutches and provide uniform performance.

Examples: BMW G 310 R, BMW G 310 RR

Advantages and disadvantages of each clutch type

Some of the common pros and cons of different clutch types are:

Which clutch type is best for your riding style?

For everyday commuting, wet or cable-operated clutches offer durability and smooth operation. Beginner or casual riders benefit from centrifugal or hydraulic clutches for easier handling.

Slipper or dry clutches suit racing and track riding, providing better control and safe downshifts. For long-distance touring, hydraulic or slipper clutches reduce hand fatigue and ensure smooth performance.

Common clutch problems in motorbikes

Clutch problems include slipping, causing poor acceleration or high RPM at low speed; a stiff lever from low lubrication or worn parts; dragging, which makes gear changes hard or causes the bike to creep; burnt plates from excessive slipping; and noisy operation, which may indicate worn components.

Maintenance tips for motorbike clutches

Use the recommended engine oil, especially for wet clutches and avoid riding with the clutch partially engaged. Inspect clutch plates during servicing and replace worn ones. Regular maintenance ensures smooth performance, longer clutch life and reduces the risk of sudden failure. Two wheeler insurance can help cover repair costs if unexpected clutch issues occur, protecting your finances.

Conclusion

Understanding the different types of motorcycle clutches helps you choose the right clutch for your riding style and bike type. The right clutch improves performance, comfort and reduces wear and maintenance issues. Even with careful use, clutches can fail unexpectedly.

Using two wheeler insurance online is a convenient way to secure financial protection, handle repairs without stress and manage your policy easily from anywhere, allowing you to ride with confidence and peace of mind.

FAQs

1. How does a slipper clutch improve safety?

It prevents rear-wheel hop during sudden downshifts, ensuring smoother deceleration and safer cornering.

2. Can electronic clutches reduce rider fatigue?

Yes, they automate engagement while allowing manual control, reducing hand strain.

3. How often should clutch components be checked?

At every service or every 5,000-10,000 km depending on riding style.

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

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How to Replace the Clutch and Brake Cable of a Bike

What to know before buying Tiranga Vajra bike: Price, specs, range

If you are looking for a less-expensive, simple electric bike, particularly for a small delivery job or city use, the Vajra electric bike might be a decent option. This two-wheeler is designed to carry loads and travel moderate distances on a single charge. However, before you proceed with the buying process, you must check what this two-wheeler has in store. This blog covers its features, price, drawbacks and benefits.

Tiranga Vajra price in India

The Vajra e bike price (ex-showroom) is about ₹90,000. However, the price may vary based on the battery type (lithium-ion or lead-acid), registration (if required), region, dealer or accessories.

Battery and range

The electric bike offers two battery options: lithium-ion and lead-acid, both with 60 V and 28 Ah specifications. The claimed range per charge is 45-60 km, depending on the battery type and usage. It takes around 4-5 hours to charge a lithium-ion battery and 6-8 hours to charge a lead-acid variant.

Motor and performance

Here are some of the important things to know about the bike’s performance and motor:

• Motor: 250 W BLDC hub motor.
• Top speed: About 25 km/h
• Load carrying ability: Can hold about 250 kg, making it perfect for transporting heavy loads or goods.
• Drive type: Uses a hub-motor drive, which means simpler maintenance than belt- or chain-driven models.

Design and build quality

Tiranga Vajra e-bike offers the following under the build and design quality:

Key features and technology

Apart from offering a good Vajra electric bike on-road price, this two-wheeler also comes with many unique features and technology:

• The bike has an anti-theft alarm, which adds to its security layer when you park it outside.
• Comes with a digital display that shows the battery or speed readouts, along with LED taillight and headlight for better visibility.
• It offers a reverse bike option, which can be helpful when manoeuvring with the load.
• The e-bike also comes with a regenerative controller, potentially offering higher efficiency.

Variants and options

Tiranga Vajra e-bike offers two battery variants: lithium-ion and lead-acid. Both of them have different charging times and longevity. Apart from that, this two-wheeler has a loader/commercial or basic orientation, making it perfect for heavy loads, thanks to its high carrying capacity.

Pros and cons of Tiranga Vajra

The table below offers an insight into the benefits and drawbacks of the Tiranga Vajra electric bike:

Maintenance and running costs

When you plan to buy the Tiranga Vajra e-bike, you should observe the following points for the running costs and upkeep:

• Since it's an e-bike, there is no fuel cost. This helps save a lot compared to petrol bikes.
• The upkeep might be pretty simple, as an electric drive and hub motor mean fewer moving parts than a petrol engine.
• With the lithium-ion option, you can charge the vehicle at home and it might take 4 to 5 hours.
• The overall running costs might be much lower than the petrol alternative, particularly for load carrying and short-distance deliveries within cities.

Insurance for Tiranga Vajra

This two-wheeler is often classified as non-registration or non-RTO. In such situations, bike insurance online may not always be mandatory, but it is wise to check local guidelines. If insurance is required or available, third-party liability insurance or EV-specific two-wheeler insurance (if provided) might be sufficient, given the low speed and utility purpose. For safety and security, having comprehensive bike insurance (for theft, damage, liability) seems sensible, particularly if using it for work or heavy load transport.

Conclusion

The Tiranga Vajra is a no-frills, basic e-bike created not for style or speed, but for practicality, affordability and utility. When you are looking for an inexpensive electric two-wheeler to carry loads, operate a small business and do deliveries in semi-urban or city areas, this bike is a great option.

FAQs

1. Is this bike ideal for day-to-day commuting?

It’s perfect for short city rides, but its top speed of 25 km/h and modest range make it ideal for delivery-type and short trips.

2. Can Vajra carry heavy loads?

The load-carrying capacity is rated at up to 250 kg, making it suitable for goods transport or delivery work.

3. Does it need a licence or registration?

The registration or licence may not be required. You should check local regulations for clarity.

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.

Related Articles:

Everything You Need to Know About Electric Bike Insurance

Electric Scooter vs Petrol Scooter – Which One to Choose?

Electric Bike Maintenance Tips

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Is License Required for Electric Bikes in India?

Two-wheelers are widely used for daily travel in India and many people ride as pillion passengers during short and long trips. However, pillion riders are equally exposed to road risks, making helmet use an important part of safe riding. While helmets are commonly associated with riders, traffic laws in India also make them mandatory for those sitting behind. So, even for pillion riders, not wearing a helmet can lead to fines and penalties, as well as safety risks.

This blog discusses the pillion rider helmet fines in India, along with related rules and safety tips.

What is the pillion rider helmet rule in India?

The pillion rider helmet rule in India makes it compulsory for anyone sitting behind the rider on a two-wheeler to wear a helmet. This requirement applies to scooters and motorcycles in most states and is enforced to reduce the risk of serious head injuries during accidents. The helmet must meet safety standards, fit properly and be securely fastened with the chin strap. If found riding without a helmet, traffic authorities may impose penalties.

Why is it mandatory for pillion riders to wear a helmet?

Wearing a helmet is mandatory for pillion riders as they face the same level of risk as the person driving the two-wheeler. A helmet provides essential protection to the head during sudden falls, collisions or sudden braking. Since pillion riders are seated behind and may have less control during unexpected movements, the chances of losing balance are even higher. Hence, wearing a helmet can support the overall goal of improving road safety for all two-wheeler users.

Pillion rider helmet fine: Current penalties across states

Traffic authorities across India impose fines on pillion riders travelling without a helmet. While penalties can vary by state, the pillion rider helmet fine usually ranges from ₹500 to ₹1,000. Penalties can be higher for repeated offences or if the helmet worn does not meet safety standards. Since rules may differ across cities and states, it is important to stay updated with local traffic regulations.

Traffic laws and sections applicable to pillion riders

Pillion helmet rules are enforced under state-specific motor vehicle rules and the Motor Vehicles Act, 1988. Section 129 of the Act requires both riders and pillion passengers to wear protective headgear that meets safety standards. Traffic police can issue challans if the pillion rider is found without a helmet, even when the rider is following all other rules. Understanding these legal requirements helps ensure compliance and safer road behaviour.

Types of helmets suitable for pillion riders

Pillion riders can choose from different helmet types depending on comfort, protection and riding needs:

• Full-face helmet: Offers complete coverage for the head, face and chin, providing maximum protection.
• Open-face helmet: Covers the head and sides, giving better ventilation but less facial protection.
• Half helmet: Lightweight option that covers only the top of the head. It offers minimal protection and is less preferred for long rides.
• Modular helmet: A flexible design that can switch between full-face and open-face modes.
• ISI-certified helmets: Helmets with ISI certification ensure they meet safety standards and are suitable for both riders and pillion passengers.

Impact of traffic violations on bike insurance

Traffic violations, such as riding without a helmet, can influence how insurers assess risk for two-wheeler riders. Repeated violations may indicate unsafe riding habits, which could lead to higher scrutiny during renewals. In some cases, frequent penalties might result in increased premium expectations over time. Keeping a clean riding record supports smoother processes for two-wheeler insurance renewals and helps maintain trust with the insurer.

How can riding without a helmet affect insurance claims?

Riding without a helmet can impact insurance claims negatively, as it may be considered a violation of traffic rules in case of an accident. If a pillion rider or the main rider is not wearing a helmet, insurers may review the situation more closely while assessing the claim. In some cases, the claim amount may be reduced if the lack of a helmet contributed to the severity of injuries.

Conclusion

Wearing a helmet is essential for pillion riders, as it offers critical protection and supports safer two-wheeler travel. Following helmet rules helps reduce the risk of serious injuries, avoid penalties and promote responsible riding habits. Being aware of the pillion rider helmet fine applicable in your state encourages consistent helmet use, improving road safety by reducing the risk of serious head injuries and promoting responsible riding behaviour.

Along with following traffic rules, having comprehensive two-wheeler insurance adds an extra layer of financial protection against losses arising from accidents or damage.

FAQs

1. Are there any exemptions to the pillion rider helmet rule?

Some states provide limited exemptions, such as for women or men wearing specific religious headgear or for children under a certain age. These exemptions vary by state and should be checked locally.

2. Is a half helmet acceptable for pillion riders?

While half helmets may be legally permitted in some states, full-face or ISI-certified helmets are recommended for better safety and protection.

3. Does the helmet rule apply to short-distance or local rides?

Yes, the helmet rule applies regardless of distance. Even short trips can carry risk, making helmet use essential 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.

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Helmet rules to follow in India

Two-wheelers are widely used across India due to their affordability, easy handling and suitability for busy roads. But riding a bike or scooter also carries a higher risk, so riders should follow traffic rules carefully. These traffic rules for bike riders help prevent accidents and avoid legal issues, like fines or penalties.

This blog discusses the key traffic safety rules for bike riders.

Importance of traffic rules for two-wheeler riders

Road rules for motorcycle riders are essential for ensuring safety on the road. They help prevent accidents, avoid legal penalties and protect both the rider and others.

Following basic rules, such as wearing a helmet, obeying traffic signals, maintaining lane discipline and adhering to speed limits, keeps riders alert and predictable. These rules also safeguard pedestrians and other road users by reducing sudden or unsafe riding maneuvers.

Mandatory documents for two-wheeler riders

Keeping certain documents with you at all times is among the bike rider rules of the road to comply with traffic regulations and avoid penalties. These include a valid driving licence, registration certificate (RC) and pollution under control (PUC) document. You must also carry a valid bike insurance policy. Either physical or digital copies of these documents can be helpful during routine checks or in an emergency.

Essential safety gear required for riders

Wearing proper safety gear significantly reduces the risk of injury while riding a two-wheeler. A helmet is among the most critical safety rules for bike riders and is mandatory by law. Gloves, knee and elbow guards and sturdy footwear help improve grip, control and stability. Riding jackets with protective padding can reduce the impact of falls, while reflective clothing or stickers enhance visibility in low-light or nighttime conditions

Rules for overtaking and changing lanes

Overtaking and changing lanes must be done carefully to avoid sudden conflicts with other vehicles. Always overtake from the right and only when there is enough space to move ahead safely. Before switching lanes, it is important to check mirrors, turn on indicators and ensure that no vehicle is approaching at high speed. Avoid overtaking in curves, junctions or areas with poor visibility, as this increases the risk of accidents. Other than this, avoid weaving through traffic or cutting across lanes abruptly, as such movements can disturb other riders or drivers. Following these safety rules for bike riders helps maintain a predictable traffic flow and ensures safer road behaviour.

Traffic signals and road sign awareness

Understanding these traffic signals and road signs helps make safe and timely decisions on the road:

Helmet rules and penalties for non-compliance

Wearing a helmet is one of the basic safety rules for bike riders, providing essential protection during accidents and avoiding penalties. The helmet should meet safety standards, fit properly and be securely fastened with the chin strap. Driving without a helmet can lead to penalties. While it may vary across states, it generally includes a fine of up to ₹1,000 and licence suspension for repeated offenders.

Guidelines for riding in heavy traffic and on highways

Riding in heavy traffic requires patience and careful judgment, as sudden stops and close vehicle movement can be risky. Maintain a steady speed, avoid weaving between vehicles and keep a safe distance to allow enough time for braking. Using indicators early can help other riders or drivers understand your intentions. To safely drive on highways, stay within the lane, follow speed limits and avoid riding too close to larger vehicles. It is also important to stay alert for road signs, diversions and slow-moving vehicles.

Conclusion

Following the road rules for bike riders plays an important role in ensuring safety and avoiding legal complications. Wearing helmets, following speed limits, keeping to lanes and understanding road signs all support safer movement in traffic and on highways.

Beyond following traffic rules, securing comprehensive bike insurance adds financial protection against accidents, damages and theft.

FAQs

1. Is it mandatory for pillion riders to wear a helmet?

Yes, in most states, wearing a helmet is compulsory for pillion riders as well.

2. Is using a mobile phone allowed while riding a bike?

No, using a mobile phone while riding is prohibited. It can lead to fines and increase the risk of accidents due to distraction.

3. Are modified silencers allowed on two-wheelers?

No, modified or loud silencers are illegal as they violate noise pollution norms and can attract fines.

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

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Every rider likes their bike to appear bright and new for a long time. But in reality, bikes face all kinds of challenges, including dust, stones, strong sunlight, rain, pollution, and minor scratches from traffic. Due to this, after some time, the paint starts peeling off or becomes damaged.

To solve this problem, many bike owners now opt for Paint Protection Film (PPF). In this blog, you will learn what paint protection film for bikes is, including its benefits, types, costs and the installation process.

What is Paint Protection Film (PPF) for bikes?

Paint Protection Film, popularly known as PPF, is a flexible and clear layer placed on the painted sections of the two-wheeler. Its primary job is to keep the paint safe from light stone hits, small scratches, fading, swirl marks and sunlight damage.

Benefits of applying PPF on bikes

Here are some of the key PPF benefits for bikes:

• Self-healing technology: Top-tier PPF can easily repair itself. Swirl marks and light scratches fade away when the film is warmed by warm water or sunlight.

• UV protection: Strong sunlight can make your two-wheeler’s colour fade over time. PPF blocks the harmful UV rays, helping the paint to stay fresh and bright.

• Protection from dirt: Acid rain, hard-water stains, tree sap and even bird droppings can leave marks that might be tough to remove. With PPF, there are lower chances of permanent stains.

Types of PPF for bikes

 Here are the types of bike protection film available:

1. TPU (Thermoplastic Polyurethane) PPF: TPU film is known as the most premium and best option for two-wheelers. It is a strong and flexible material with good self-healing properties.

2. TPH (Thermoplastic Hybrid) PPF: TPH film provides a suitable level of protection at an affordable price. The film can easily handle day-to-day scratches.

3. PVC (Polyvinyl Chloride) PPF: PVC film is the most economical choice available. It’s primarily used for basic paint protection. Additionally, it keeps the paint secure from small marks.

PPF installation process for bikes

The first step is deep cleaning. The bike is washed thoroughly to remove dirt, grease and dust from its surface.

Next comes the wet installation. A special liquid is sprayed on both the bike’s surface and the PPF, allowing the film to be positioned and moved easily without immediately sticking.

During application and alignment, the film is gently placed on the panels and adjusted carefully until it sits in the correct position.

Finally, squeegee work is done. A squeegee is used to press out air bubbles and excess liquid, giving the bike a smooth, clean and even finish.

Cost of PPF for bikes in India

The PPF cost for a bike depends on:

• Bike size
• Type of PPF
• Part-wise or full-body coverage
• Thickness of film
• Labour charges

For most bikes, the overall PPF price for a bike in India generally falls between ₹10,000 to ₹30,000, depending on the quality of the film and the amount of coverage you select.

PPF vs ceramic coating for bikes

Here are the differences between PPF and ceramic coating for bikes:

Carburetted motorcycles have been around for decades and shaped the way two-wheelers functioned long before fuel injection became the norm. While many modern bikes have now shifted to electronic fuel injection, carburettors still hold a strong presence in older models and budget-friendly machines.

This detailed guide explains the working, advantages, drawbacks, maintenance needs and suitability of carburetted motorcycles.

What are carburetted motorcycles?

A carburetted motorcycle uses a carburettor to mix fuel and air before sending the blend into the engine. It works on the Venturi effect, where air passes through a narrow section called the Venturi. As the air moves through this constricted area, its speed increases and its pressure drops. This pressure drop draws fuel from a small jet into the airflow, creating a precise fuel-air mixture. This mixture then enters the engine to produce power.

When you twist the throttle, the airflow increases, pulling in more fuel and boosting speed. The carburettor’s simple components, including screws and a choke, allow easy adjustments to the fuel-air ratio, helping the bike run smoothly and start more easily.

Advantages and disadvantages of carburetted motorcycles

The best carburetted motorcycles are simple, easy to repair and inexpensive to maintain. Riders can tune them on their own without special tools. They are mechanically reliable in remote areas and can be fixed with basic knowledge and tools.

However, these bikes are less fuel-efficient and tend to produce higher emissions. Cold starts can be difficult, and carburettors often struggle at higher altitudes due to changes in air density. They also require frequent cleaning, tuning and adjustments to keep them running smoothly.

Carburetted vs fuel-injected motorcycles

The table offers clear insights into the differences between fuel-injected and carburetted motorcycles:

Common problems in carburetted bikes

Here are some of the common issues that you might come across in carburetted bikes:

• The two-wheeler might use more fuel since the carburettor offers more petrol than needed.
• The engine might make loud popping noises when the fuel-air blend is not correct.
• The two-wheeler might be difficult to start in cold weather or high altitudes without using the choke.
• Wrong tuning might provide you with way less fuel, which can affect how the bike functions.
• The engine might heat up if the carburettor gives too much air and not enough fuel to function.

Tips to maintain a carburetted motorcycle

To make sure the carburetted bike functions perfectly, here are some of the maintenance tips you can check out:

• Clean the carburettor at least once a year, including the passages, float bowl and jets.
• Adjust and check the idle speed every few months.
• Synchronise multiple carburettors to ensure even fuel distribution.
• Use the fuel stabilisers or run the carburettor dry when storing the bike for a long time. It can prevent gumming up.
• Replace the fuel hoses, float valves and gaskets regularly. It is because old parts can lead to leaks or might misbehave.

How carburettor-related issues can affect your two-wheeler insurance?

Carburettor problems, such as clogging, leaks or improper tuning, can affect your bike’s performance and safety. Insurance providers may consider the bike’s condition when processing claims, especially if an accident occurs due to mechanical failure.

Poorly maintained carburettors can lead to engine stalling, reduced fuel efficiency or sudden breakdowns, which could be seen as negligence and potentially impact claim approval.

Regular maintenance and timely servicing of the carburettor not only keep your bike running smoothly but also ensure that your insurance coverage remains valid and claims are less likely to be disputed.

Conclusion

Carburetted bikes are simple, affordable and easy to maintain, but less fuel-efficient and require regular tuning. They can also be less reliable in extreme conditions like high altitudes or cold weather.

To protect your two-wheeler, having comprehensive bike insurance is recommended, as it covers repairs, accidental damage and maintenance costs. You can also compare plans and buy bike insurance online for a quick and convenient way to secure your bike.

FAQs

1. Do carburettor bikes use much more fuel than the fuel-injected ones?

Yes. Generally, the carburettors are less accurate in controlling the fuel-air mixture, which can lead to much higher fuel consumption.

2. Are carburetted bikes harder to start in cold weather?

They might be. In cold conditions, you might need to use the choke to start the bike. This is something the fuel-injected ones do not usually require.

3. Is it possible to maintain a carburettor by myself?

Yes. With the help of some basic tools, you can easily tune and clean a carburettor. Local mechanics can also help, because the design is simple.

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

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When planning to buy an electric scooter, the Simple Energy One stands out as a promising option. It combines a long-claimed range, modern styling, and smart features while remaining accessible to a wide range of riders.

This guide covers everything you need to know about the Simple Energy One, including its price, range, available colours, performance, and key specifications, helping you make an informed purchase decision.

Simple Energy two-wheeler list

As of now, a Simple Energy EV scooter is the brand's main two-wheeler. You might come across some variant or older models, but the most promoted or current model is the Simple Energy One.

However, here is a list of the Simple Energy two-wheeler list:

Simple Energy price in India

The ex-showroom Simple EV scooter price in India starts at around ₹1.45 Lakh for the standard single-tone variant. For premium or dual-tone finishes, the price might be slightly higher, around ₹1.50 Lakh, depending on the city and variant. In some Indian cities, the off-road Simple Energy EV price might be higher after including insurance, RTO charges and local taxes.

Simple Energy One range and performance

The two-wheeler runs on a 5kWh lithium-ion battery (in most configurations). It can deliver a claimed range of 248 km per charge under proper conditions. Its motor provides a peak power of about 8.5kW along with 72 Nm of torque. Furthermore, the two-wheeler has a top speed of 105 km/h. In practical use, the actual-world range might differ greatly based on the climate load, road conditions and riding style.

Design and styling

Simple Energy One has an urban, modern look. It blends style with practicality, with a compact design, clean lines and smooth bodywork that are perfect for urban commuting. The Simple Energy EV also offers many features. For instance, it has a fairly spacious under-seat storage (ideal for storing helmets or day-to-day use).

The scooter also has a connected feature/digital console, which makes it feel modern. The chassis design and suspension make it ideal for city roads. The brakes and wheels offer a balance of comfort and agility.

Simple Energy colours

This scooter is available in many shades, giving you quite a bit of choice. Some of the popular shades are:

• Light X
• Brazen X
• Grace White
• Azure Blue
• Namma Red
• Brazen Black

Key features and specifications

The EV scooter Simple One comes with great specifications and features you should consider before proceeding with a purchase. The table below offers an insight into them:

The two-wheeler delivers a mix of convenience, modern features and impressive range for city and semi-urban riders.

To make the overall riding experience truly worry-free, having reliable two-wheeler insurance ensures you’re financially protected if something unexpected occurs.

Conclusion

Simple Energy One offers a good blend of modern features, range, performance and styling, all at a price within the budgets of many buyers. The multiple colour options and unique features make this two-wheeler an ideal choice for riders looking for practicality without sacrificing style and comfort. However, as with any EV scooter, comfort and real-world range depend on riding style, maintenance, road conditions and usage.

If you decide to buy this scooter, make sure you get comprehensive bike insurance. It combines third-party and own-damage cover, helping safeguard you from costs related to accidents, theft, or natural calamities.

FAQs

1. What is the price of Simple Energy One?

The ex-showroom price of this scooter begins at ₹1.45 Lakh for the standard version. Depending on the registration, taxes, city and other changes, the on-road price might be higher.

2. How far can one travel on a single charge with this scooter?

Under proper conditions, the scooter claims up to 248 km per charge.

3. Does this scooter come with modern-day features and good performance?

Yes. It provides a 5kWh battery, torque of 72 Nm, has a motor of 8.5kW and a top speed of 105 km/h. It also has other features like USB charging, disc brakes, digital console and alloy wheels.

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

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It’s a common and frustrating problem: your scooter stalls or turns off every time you stop. Whether you're at a traffic light or simply coming to a halt, this unexpected shutdown can make your ride uncomfortable and leave you worried about your scooter's health. This blog will explore why your scooter turns off when you stop and offer practical solutions to fix it.

How to stop the scooter’s engine from switching off once stopped?

To prevent your scooter’s engine from switching off, you can try the following solutions:

1. Check and adjust idle speed

Ensure that the idle speed is properly adjusted. A low idle speed may cause the engine to stall. You can calibrate it according to your scooter’s manual or take it to a mechanic for a professional adjustment.

2. Clean or replace fuel system components

A clogged carburettor or dirty fuel filter can disrupt the fuel supply. Cleaning or replacing these components can help the engine run smoothly and prevent stalling.

3. Inspection and charging the battery

A weak battery may fail to keep the engine running. Check the battery voltage, and if necessary, replace it with a new one or charge it fully.

4. Examine the clutch

If the clutch is malfunctioning, the engine may stall when you stop. Inspect the clutch for any wear or damage and replace it if needed.

5. Test the ignition system

A faulty ignition coil can cause your scooter to cut off. If the ignition coil is damaged, it will need to be replaced for the engine to run smoothly.

Conclusion

If your scooter turns off when you stop, it could be due to issues with the idle speed, fuel system, battery, clutch, or ignition system. Regular maintenance and timely repairs can keep your two-wheeler running smoothly. Address any concerns as soon as you notice them to avoid further damage or breakdowns.

For added peace of mind, ensure your scooter is covered with comprehensive bike insurance. It helps protect you from unexpected expenses, giving you one less reason to worry about.

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.

Scooters are a popular choice for daily commuting because of their fuel efficiency and ease of use. However, many riders experience vibrations when accelerating, which can be uncomfortable and may signal underlying mechanical issues. Ignoring this can lead to bigger problems, such as reduced stability, increased wear on parts, and even safety risks.

This blog will help you explore the common reasons why a scooter vibrates when accelerating and provide practical solutions to fix the issue.

How to stop scooter vibration while accelerating?

To fix scooter vibrations, riders need to inspect different parts and perform regular maintenance.

• Check and balance tyres – Ensure tyres are balanced and inflated properly.
• Tighten engine mounts – Secure the engine mounts to prevent excessive movement.
• Inspect and replace belt or chain – Replace worn-out belts or chains for smooth acceleration.
• Fix suspension issues – Replace damaged shock absorbers and suspension parts.
• Align wheels properly – Get the wheels checked and aligned to avoid instability.
• Clean the carburettor – Remove dirt and debris from the carburettor for smooth engine performance.
• Tighten loose bolts and nuts – Secure all bolts and screws to reduce vibrations.

Conclusion

Scooter vibrations during acceleration are common but should not be ignored. Regular and timely repairs can help prevent this issue. Ensuring balanced tyres, aligned wheels, and a clean carburettor can keep the scooter running smoothly. Checking engine mounts and securing loose bolts also helps in reducing vibrations.

Having two-wheeler insurance is essential for scooter riders. It provides financial protection in case of accidents, theft, or damage. A good insurance policy ensures peace of mind while riding. So always keep your scooter insured for safety and security.

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 late 20th century was a great period for India's two stroke engine bikes. These lightweight yet strong bikes ruled the streets and captured the hearts of young users. Unlike their four-stroke peers, these bikes had fewer moving parts, making them easier to keep and fix. Their engines created power with every piston movement, providing a thrilling ride experience that became famous.

Two stroke engine bikes

Here are some of the most famous two stroke bikes:

1.   Yamaha RX 100

The Yamaha RX 100 wasn't just a motorbike but a statement. Launched in 1985, this 100cc wonder made 11 bhp and weighed just 100 kg, making it a rocket on two wheels. Young riders loved its quick power and reasonable price. Despite being ended in 1996, the RX 100 remains a cult favourite, symbolizing speed and ease for people.

2.   Suzuzki Shogun

With its 108cc two-stroke engine producing 14 bhp, the Suzuki Shogun was a racing beast of the 1990s. Inspired by race designs, it offered fast movement and competed with other popular models. The Shogun marked a perfect mix of speed and excitement for motorbike fans.

3.   Yezdi 350

While not as strong as some of its peers, the Yezdi 350 found its spot. Its 350cc single-cylinder two-stroke engine offered a stable and cheap choice for riders seeking excitement. Though it never gained the same success as the Yamaha RD350, it built a loyal fan group that admires its sturdy design and history.

4.   Kinetic Honda

The Kinetic Honda was a game-changer in the two-stroke scooter market. A joint effort between Kinetic Engineering and Honda, this automatic two-stroke bike made travelling easier and more stylish. It was often the first powered two-wheeler for many young urban users, representing movement and liberty.

Conclusion

Although strict pollution rules finally took out two stroke bikes, their influence on Indian automobile culture remains deep. In the current age of riding, protecting your favourite two-wheeler has become more important than ever. Bike insurance online has changed how riders protect their motorbikes, giving easy and complete coverage at the click of a button. Comprehensive bike insurance goes beyond basic third-party protection, offering a safety net that covers losses from accidents, theft and natural disasters.

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.

Scooters are no longer just a means to get from point A to B as they have become a statement of style, technology and convenience. BMW Motorrad, known worldwide for its premium motorcycles, is bringing the same luxury and performance to the scooter segment in 2025. If you want a compact electric ride for daily commuting or a high-performance urban scooter, BMW’s 2025 lineup can give you options that stand out in both style and functionality.

This guide will provide insights on the latest models, their features and what makes these scooters stand out in the Indian market.

Latest BMW scooty models and variants

For 2025, here is the BMW scooter range in India that you should check out:

• BMW CE 02: This scooter is priced at ₹4,49,900. It’s an electric scooter created for urban mobility and offers an eco-friendly and stylish ride.
• BMW C 400 GT: This BMW scooter price is set around ₹10,83,000. It blends comfort with performance, making it perfect for long-distance commutes.
• BMW CE 04: This is a premium electric scooter under BMW’s lineup and is priced at ₹15,25,000. The scooter offers a futuristic and highly advanced design.

Key features and specifications of BMW scooters

Here are the features of each of the BMW scooters:

1. BMW CE 02

• Power: 95 PS
• Torque: 55 Nm
• Battery Capacity:92 kWh
• Range: Around 108km for every charge
• Brakes: Has an anti-lock braking system with rear drum and front disc
• Weight: 142 kg

2. BMW C 400 GT

• Engine: 350cc, single cylinder
• Power:99 PS
• Storage: 8 litres with under-seat storage, and it's expandable with a topcase
• Brakes: Dual-channel ABS
• Ergonomics: Improved for long-distance comfort.
• Weight: 219 kg

3. BMW CE 04

• Power:14 PS
• Torque: 62 Nm
• Battery Capacity: 5 kWh
• Range: About 130 km for every charge
• Top Speed: 120 km/h (electronically limited)
• Brakes: Dual-channel ABS along with adaptive headlight.

Performance and Mileage Overview

The table below provides clear insight into each of the BMW scooter and their power output, range and much more:

Design, comfort and technology highlights

Here are some unique things that make these scooters stand out:

• BMW CE 02: This scooter consists of a minimalist design and has a compact frame, making it agile in city traffic. Its lightweight construction assures ease of handling.
• BMW C 400 GT: The scooter carries a sleek design paired with an advanced suspension system and a comfortable seat. It will offer a smooth ride on different terrains.
• BMW CE 04: This particular scooter has a futuristic design with an adaptive headlight for improved visibility, customisable riding modes and a large TFT display.

Comparison with other premium scooter brands

When compared with other premium scooter brands, BMW scooters stand out for several reasons. They are equipped with highly advanced technology, offering unique features such as customisable riding modes and adaptive headlights that set them apart from competitors.

In terms of performance, models like the C 400 GT and CE 04 deliver higher power outputs, making them ideal for performance enthusiasts. Additionally, BMW scooters boast modern and distinctive designs that appeal strongly to contemporary riders.

Upcoming BMW scooters in 2025

BMW is expected to expand the scooter lineup in 2025. They will keep their focus on the following things:

• Improved electric mobility: BMW plans on introducing more electric variants that come with longer ranges.
• Advanced connectivity: The upcoming BMW scooters might have smart features such as real-time diagnostics and app connectivity.

Why choose a BMW scooter?

When you choose a BMW scooter, you are investing in reliability, innovation and style. BMW is renowned for its top-tier quality, ensuring durability and longevity in every model. Continuous advancements in technology enhance the overall riding experience, reflecting the brand’s commitment to innovation. Moreover, each BMW scooter features a distinctive design that makes a strong statement on the road.

BMW scooter insurance - Coverage options and benefits

It’s important to insure the BMW scooter to protect it against unforeseen events. You can opt for the following coverage options:

• Comprehensive bike insurance: It covers third-party liability and damage to your own vehicle.
• Third-party liability: This option covers damages or injuries caused to a third party or their property.
• Add-ons: For enhanced coverage, you can pick add-ons like roadside assistance, engine protection and zero depreciation.

Apart from that, the BMW scooter insurance can offer these advantages.

• Customisable plans: You can tailor your bike insurance to match your budget and specific needs.
• Peace of mind: The insurance will provide financial protection against damages and accidents.
• Legal compliance: Having third-party insurance will ensure adherence to the Indian laws.

Conclusion

The BMW scooter lineup for 2025 provides a mixture of advanced features, design and event performance, catering to a massive range of riders in the country. Whether you’re looking for a scooter that has a powerful petrol variant or want an eco-friendly electric scooter, BMW will offer you options that will match various requirements and preferences. However, it’s advised that you check the BMW scooter cost before making a purchase to ensure you choose the model that best fits your budget and requirements.

FAQs

1. What is the price of the BMW CE 02 in India?

In India, the BMW CE 02 is priced at ₹4,49,000.

2. Does the BMW C 400 GT come with a warranty?

Yes. BMW provides a standard warranty with its scooters. You can obtain the specific details from an authorised dealership.

3. Is it possible to test ride a BMW scooter before buying it?

Yes. An authorised BMW dealership will let you test ride the BMW scooter before you make the purchase.

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.

When choosing an electric two-wheeler from Ather Energy, understanding the differences between models helps you match your daily commute needs and budget. The Ather 450X and 450S both aim to serve urban riders, but differ in performance, features and cost. This article breaks down the key Ather 450S and Ather 450X motor specifications to help you compare effectively and make an informed buying decision.

Overview of Ather 450X and 450S models

The Ather 450S is positioned as the more affordable model in Ather’s lineup, designed for efficient daily commuting. In comparison, the Ather 450X steps up with a more powerful motor, extended range and advanced smart features, offering a premium riding experience.

Design and build quality

 The Ather 450S and Ather 450X have sleek, modern styling with sharp lines and compact urban dimensions. The use of a durable aluminium frame and high-quality body panels is common to both models, reflecting Ather’s build standards. The 450X may offer more premium finishes or trim options compared to the 450S.

Motor performance and power output

The 450S is powered by a 5.4 kW PMSM (Permanent Magnet Synchronous Motor) that produces 22 Nm of torque. The 450X delivers ~6.4 kW of output and ~26 Nm of torque, offering strong acceleration.

For a rider, this means quicker acceleration and stronger response from the 450X compared to the 450S.

Battery capacity and range comparison

The 450S commonly features a 2.9 kWh or 3.7 kWh battery, depending on the variant. It delivers an IDC-rated range of 115-150 Km. The 450X comes with the same battery packs, offering a range of 150-160 km.

So if you have longer commutes or fewer charging opportunities, the 450X’s higher-capacity battery may be advantageous.

Charging time and efficiency

How quickly you can replenish the battery matters. For the 450S, the full-charge time (with home charger) is 6.5–8 hours. The 450X (especially the higher-spec variant) may achieve 0-80% in about 4.3 hours and a full charge in 5-6 hours, depending on the charger type.

Both models support Ather’s fast-charging network, though charging time depends on battery variant and charger rating.

Braking system and suspension setup

Both models have front and rear disc brakes, supported by a combined-brake system (CBS).

Suspension setup includes telescopic front forks and a monoshock rear setup. Ground clearance and kerb weight are broadly similar for both models.

Smart features and connectivity options

Modern EVs emphasise smart tech. The 450X includes a 7-inch DeepView colour touchscreen display, mapping/navigation features, “Warp” ride mode and connectivity functions like Bluetooth/4 G.

The 450S includes a similar 7-inch LCD display but lacks some advanced features like Warp mode or full connectivity in base variants.

Price comparison: Ather 450X vs 450S

The 450S ex-showroom price starts around ₹1.19 lakh, and that of 450X is ₹1.46 lakh. While the 450S is the more budget-friendly, the 450X demands higher investment because of enhanced performance, features and battery capacity.

Importance of two-wheeler insurance for electric scooters

Comprehensive two wheeler insurance is essential for electric scooters as it protects against accidents, theft, battery damage and natural or man-made disasters. It also covers third-party liabilities, ensuring financial security. Since EV repairs and components can be costly, having comprehensive coverage helps you ride worry-free and manage unexpected expenses effectively.

Conclusion

The Ather 450S and 450X serve different segments within the electric scooter market. The former offers a balanced and cost-conscious electric commuting solution, while the latter delivers higher performance, greater range and richer features. When you select your scooter, remember to align it with your commuting habits, charging access and long-term ownership costs. Also, ensure your two wheeler insurance cover matches the value and usage of the vehicle you choose, so you remain protected from unexpected repair or replacement costs.

FAQs

1. Can I use the same home charger for both the Ather 450S and 450X?

Yes, both models support the home charging unit provided by the manufacturer; however, charging times may differ depending on battery size, so check compatibility and specifications.

2. Does the higher price of the 450X mean a significantly higher insurance premium?

Insurance premium depends on the vehicle’s declared value, along with other factors like location, usage and anti-theft devices; a higher model value could lead to a higher premium, so it’s best to check quotes for both variants.

3. If I use the scooter mainly for short city rides, is the 450X justified over the 450S?

If your range demands are modest and you have reliable, frequent charging, the 450S may suffice, but the 450X offers extra flexibility and may reduce anxiety about range or heavy usage.

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.