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  • Best Bikes Under 1.5 Lakh

    by Santosh Kevale | Jan 27, 2025

    Motorcycles are becoming increasingly popular, but finding the right bike that checks all your boxes can be quite a task. With more options available in the Indian market than ever before, purchasing a bike that meets your requirements and budget has never been easier.

    We’ve compiled a list of the best bikes under 1.5 lakh. Whether you’re an enthusiast, adventurer, or daily commuter, there’s a perfect bike out there for you! Read on to discover the best two-wheelers that deliver unbeatable performance and quality on a budget.

    Top Bikes Under 1.5 Lakh in India

    India is home to many of the best bikes under 1.5 lakh that can meet your specific needs. This section outlines the features of some top options:

    1. Bajaj Pulsar NS200

    A street bike, the Bajaj Pulsar NS200, has remained a favourite for young riders seeking a blend of power and style. It’s available in three variants and four colour options, with the Pulsar NS200 Single Channel ABS variant starting at Rs. 1,42,060. This bike is a beast on the road with a 199.5cc, liquid-cooled engine producing 24.5 PS of power.

    Pros:

    • Powerful engine
    • Excellent handling
    • Sporty design

    2.  Hero Xpulse 200

    This dual-sport adventure touring model is a head-turner. Riders couldn't buy a dual-sport bike under 1.5 lakh rupees in India until the launch of the Hero Xpulse 200, which changed the game completely. The bike is India’s most affordable dual-sport motorcycle.

    With its 199cc single-cylinder engine, the motorcycle can reach a maximum power of 17.8 BHP at 8,500 RPM. Available in five different colours, the Hero Xpulse 200 stands tall and has great clearance.

    Pros:

    • FI engine
    • Solid build quality
    • Long suspension travel

    3. TVS Apache RTR 200 4V

    The list of top bikes for 1.5 lakh or less in India can’t be complete without the TVS Apache RTR 200 4V. It’s recognised as one of the best-selling naked street motorcycles with a 200cc engine.

    Moreover, the bike’s features, like ride modes (Urban, Sport, Rain), a slipper clutch for smoother downshifts, and SmartXonnect Bluetooth connectivity for real-time vehicle data, make it the best deal you can have in this price range. Both racing gloss black and white are available for the TVS Apache RTR 200 4V.

    Pros:

    • Looks great
    • Ride modes for varied conditions
    • Advanced Bluetooth connectivity

    4. Royal Enfield Hunter 350

    One of the oldest motorcycles in the Indian market, Royal Enfield’s Hunter 350, is the most affordable Enfield you can buy. With a 349cc engine producing 20.4 PS, it’s perfect for riders who love a relaxed yet engaging ride.

    Moreover, the motorcycle’s retro styling and contemporary features, like a semi-digital console and LED lighting, make it a standout option. You can purchase this extraordinary bike for approximately Rs. 1.49 lakh.

    Pros:

    • Classic design with modern touches
    • High torque output
    • Comfortable ride quality

    5. Hero Xtreme 125R

    For those who value comfort and style in a sporty package, the Hero Xtreme 125R is a great option. With an impressive 66 kmpl mileage and a fuel-injected engine, this bike is ideal for navigating the city’s traffic. The motorcycle comes in two variants and three attractive colours, with a starting price of Rs. 95,000.

    Featuring a sporty design, LED lighting, a fully digital instrument cluster, and comfortable ergonomics, the Hero Xtreme 125R is the perfect bike for long rides.

    Pros:

    • Stylish and sporty design
    • Feature-rich for its segment
    • Excellent fuel efficiency

    6. Suzuki Gixxer SF

    The Suzuki Gixxer SF is another fully-faired motorcycle available for under 1.5 lakh, offering a thrilling combination of style and performance. With two variants and six striking colour options, it exudes a sporty character that stands out on the road. Powered by a 155cc, fuel-injected engine, it delivers a smooth and responsive ride, producing 13.6 PS of power for an exhilarating performance.

    The bike's aerodynamic design, complemented by clip-on handlebars and sleek LED lighting, adds to its aggressive and modern appeal, making it a top contender in the sports motorcycle segment.

    Pros:

    • Stylish faired design
    • Smooth engine performance
    • Comfortable seating
  • Best Bikes Under 5 Lakhs 2024

    by Santosh Kevale | Jan 27, 2025

    Are you searching for top-notch motorcycles within a comfortable budget? Here’s our recommendation for some of the best bikes under 5 lakh in India. These two-wheelers offer superior features, impressive mileage, and unmatched performance – all without breaking the bank.


    Top Bikes Under 5 Lakhs in India 2024

    The following are some top contenders under 5 lakhs:

    1.      Royal Enfield Super Meteor 650

    Boasting a robust 648cc engine, tubeless tyres, and 6-speed transmission, the Royal Enfield Super Meteor 650 offers an exceptional long-distance riding experience. With a starting price of nearly Rs. 3.6 lakh (approximately), this cruiser motorcycle comes in three variants and a range of seven colours.

    Powered by a 648cc parallel-twin BS6 engine, it churns out 47 PS of power and torque at 52.3 Nm. Moreover, the Royal Enfield Super Meteor 650 is equipped with disc brakes, dual-channel ABS, and LED taillights and headlights, ensuring maximum safety and visibility when riding.

    Pros:

    • A range of intersecting variants and colours to choose from
    • Statement sculpted fuel tank and retro-inspired instrument panel
    • Low-slung seat, wide handlebars, relaxed ergonomics, and smooth power delivery

    2.      KTM 250 Duke

    Offering the perfect blend of power and affordability, the KTM 250 Duke is available in a single variant with four different colours for approximately Rs. 2.2 lakhs. Powered by a 250cc liquid-cooled BS6 engine, the bike delivers approximately 30 PS and 25 Nm of torque.

    In 2024, the motorcycle received a significant update, including a newly optimised cylinder head, a larger airbox, and an updated gearbox. Additionally, both power and torque output have been significantly increased.

    With its all-new steel trellis frame, 17-inch alloys, curved swingarm, and new brakes, the KTM 250 Duke is lightweight, offering a better power-to-weight ratio.

    Pros:

    • Aggressive styling inspired by KTM's naked bike lineup, with an off-centre mounted rear monoshock
    • Full-colour TFT display, LED lighting, WP suspension and effortless quickshifter
    • Ergonomic structure for better grip and good mileage of approx 30 km/l

    3.      Royal Enfield Himalayan 450

    This adventure-ready two-wheeler is built for the challenges of mountain roads. Weighing almost 200 kg, it is powered by a 452cc BS6 liquid-cooled engine, delivering 39.47 bhp of power and 40 Nm of torque.

    With a base price of Rs. 2.8 lakh (approximately), you can get its other four variants for less than Rs. 3.5 lakh. The Himalayan 450 has been updated with new bodywork and a robust setup ideal for off-roading and adventure touring. Its wheelbase and ground clearance stand at 1,510mm and 230mm, respectively, providing better traction and control.

    Pros:

    • Long-travel suspension and wheels with tubeless tyres
    • TFT console with turn-by-turn navigation
    • Upright ergonomics and a well-padded seat for long journeys

    4.      TVS Apache RR 310

    A bike that delivers exceptional performance and a luxurious feel, the TVS Apache RR 310 is a powerhouse in its price segment. Powered by a 312.2cc engine that produces 30 PS of power and about 29 Nm of torque, this sports motorcycle is a certified head-turner. Both variants are priced at around Rs. 2.7 to 3 lakhs (approximately).

    Pros:

    • Several interesting riding modes
    • Split seats, bi-directional quickshifter, and strong winglets
    • 6-speed gearbox offering quick speed transitions

     

    5.      BMW G310 RR

    Bringing German engineering to the entry-level sports bike segment, the BMW G310 RR is available in four appealing shades for just over Rs. 3 lakhs (approximately).

    This street motorcycle is powered by a 300cc BS6 engine, delivering 33.52 bhp of power and 27.3 Nm of torque. With its attractive aerodynamic design, the bike features a body-coloured front fender, integrated LED DRL, engine cowl, a muscular fuel tank with shrouds, five-spoke alloy wheels, and many other impressive elements. You'll be amazed at how smoothly it glides over varied terrains.

    Pros:

    • TFT console with multiple riding modes
    • An exceptional throttle response
    • Excellent fit and finish with classy colours

    6.      Royal Enfield Continental GT 650

    Available at a starting cost of Rs. 3 lakhs (approximately) in India, the Royal Enfield Continental GT 650 comes with a cafe racer style alongside its legendary performance. The best aspect of this iconic motorcycle is how it provides a diverse range of choices with four variants and six attractive colour options, including rocker red, British racing green, slipstream blue, and apex grey.

    Powered by the 648cc parallel-twin engine and fuel capacity of 12.5 litres, the Royal Enfield Continental GT 650 churns out 47 bhp of power and 52.3 Nm of torque. This middleweight bike is updated with several features and specifications, with the latest one having a round LED headlight, clip-on-style handlebar, twin-pod instrument cluster, and a USB charging port.

    Pros:

    • Retro styling featuring RE’s sculpted tank and clip-on handlebars
    • Slightly aggressive, tucked-in riding posture and great balance
    • The suspension features ‘piggy-back’ gas-charged twin shocks

     

    Conclusion

    Today, there are plenty of options to browse if you want to get your hands on a motorcycle costing less than 5 lakhs INR. From adrenaline-packed sports beasts to stylish cruisers for daily travel, there’s a bike for every rider.

    Once you’ve chosen your dream bike, it is prudent to acquire suitable two wheeler insurance. A good vehicle insurance policy provides financial coverage in case of mishaps, leading to peace of mind.


    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.

  • Best Retro Bikes in India

    by Santosh Kevale | Jan 27, 2025

    A retro bike is a kind of bicycle that combines contemporary parts with the appearance and feel of a vintage frame. In recent years, there has been a resurgence of interest in vintage motorcycles, particularly among Gen Z and millennials, who are enamored with these vehicles and are exploring the more traditional realm of motorcycles.

    Riders who like to blend a traditional appearance with contemporary performance are drawn to retro bikes. There are many different types of retro bikes, ranging from vintage road bikes to mountain bikes.


    List Of Retro Bikes In India

    Here is a list of the 10 best retro bikes in India:             

    Royal Enfield Continental GT 650

    The most recent iteration of the GT 650 vintage bike has been added to the company's lineup in India. The bike has always been aesthetically pleasing, and RE added two new paint jobs with alloy wheels and a blacked-out engine cover to give it a more contemporary appearance.

    The cost of the Continental GT 650 ranges from Rs. 3.40 to Rs. 3.95 lakh. This bike comes in seven distinct colors and four different variations, such as British Racing Green, Ventura Storm, Dux Deluxe, and Mr. Clean.

     

    Key Specifications:

     

    Price Range

    Rs. 3.40 to Rs. 3.95 lakh

    Mileage

    27 kmpl

    Engine

    648 cc

    Top Speed

    169 Kmph

    Fuel Tank Capacity

    12 Litres

     

    Ducati Scrambler Icon

    The 803cc engine on this vintage motorcycle produces 71.87 horsepower. The Ducati Scrambler Icon features an anti-lock braking system with disc brakes on both the front and back ends. Certain features, such as the floating tail section, teardrop-shaped fuel tank, and round LED headlight, give the Ducati Scrambler Icon a unique appearance.

    The Scrambler Icon is available from Ducati in striking, eye-catching hues like Ducati Red, Thrilling Black, and '62 Yellow. The lighter frame, redesigned swing arm, and lighter engine make this Ducati retro bike in India perfect. It boasts modern amenities such as a 4.3-inch color TFT display with phone connectivity, as well as a comfortable riding position.

     

    Key Specifications:

     

    Price Range

    Rs. 10.40 to Rs. 12.95 lakh

    Mileage

    19 kmpl

    Engine

    803 cc

    Top Speed

    193 Kmph

    Fuel Tank Capacity

    13.5 Litres

     

     

    BMW R nineT

    The BMW Retro Bike has an 1170cc engine that delivers 107.28 bhp and 116 Nm of torque. The motorcycle features a newly designed semi-digital instrument cluster, adjustable clutch/brake levers, a USB charging port, and full LED lighting. The electronic rider aids include ABS Pro, Dynamic Brake Control (DBC), Automatic Stability Control (ASC), and two riding modes: "Rain" and "Road."

    Three color options are available for the BMW R 12 9 T: Black Storm Metallic for an extra dose of style, San Remo Green Metallic for a classic yet elegant design, and Option 719 Aluminium for a streamlined image.

     

    Key Specifications:

     

    Price Range

    Rs. 19.20 to Rs. 24.00 lakh

    Mileage

    19.6 kmpl

    Engine

    1170 cc

    Top Speed

    200 Kmph

    Fuel Tank Capacity

    18 Litres

     

    Norton Commando 961

    A café racer that evokes the heyday of British riding, the Norton Commando 961 comes in two primary variations: the Sport and the Café Racer. Customers can select from six different colors: black with gold stripes, grey with black stripes, red with gold stripes, silver with red/black stripes, green with black stripes, and white with black stripes. Currently, only the Sport variant is available in the Indian market.

    Key Specifications:

    Price Range

    Rs. 21 lakh

    Mileage

    19.6 kmpl

    Engine

    961 cc

    Top Speed

    199 Kmph

    Fuel Tank Capacity

    15 Litres

     

    Royal Enfield Interceptor 650

    The 2023 Royal Enfield Interceptor 650 maintains its recognizable, vintage appearance that was first unveiled almost five years ago, with the majority of the styling remaining unchanged. As a result, the fuel tank still uses the teardrop form, the instrument cluster is a twin-pod semi-digital unit, and the front fascia for the headlights retains its round shape.

    Seven colors—black, blue, pearl, red with black, red, green, and chrome—are available for purchase in India for the Royal Enfield Interceptor 650.

    Key Specifications:

    Price Range

    Rs. 3.20 to Rs. 3.31 lakh

    Mileage

    23 kmpl

    Engine

    648 cc

    Top Speed

    169 Kmph

    Fuel Tank Capacity

    13.7 Litres


    Kawasaki Z900 RS

    The Kawasaki Z900 RS maintains the essence of retro elegance with its classic design and sparse bodywork, reviving the allure of the Z1 900 motorcycle. Highlights of the bike include its distinctive teardrop fuel tank, circular LED headlamp, tuned stainless steel exhaust system, authentic retro design, and bullet-shaped analog instruments.

     

    Key Specifications:

    Price Range

    Rs. 16.80 lakh

    Mileage

    18 kmpl

    Engine

    948 cc

    Top Speed

    220 Kmph

    Fuel Tank Capacity

    17 Litres

     

    Triumph Thruxton R.

    It includes a new 1200cc, liquid-cooled, parallel twin motor with about 100 horsepower. The bike sounds great with the Vance & Hines end cans; it's not loud, but it has the right tone. Although Triumph refers to this 1200cc engine as a high-power motor (HP), it also possesses powerful mid-range torque. It has more than enough reserve to pass or rescue you from a rapidly worsening situation on the road, and it can cruise comfortably between 120 and 130 kmph all day. At 203 kilograms, the Thruxton isn't exactly a lightweight bike.

     

    Key Specifications:

    Price Range

    Starts from Rs 12.15 lakh

    Mileage

     25.9 kmpl

    Engine

    1200 cc

    Top Speed

    96 bhp

    Fuel Tank Capacity

    14.5 Litres

     

    Benelli Leoncino 500 

    A classic neo-retro bike constructed with contemporary technologies is the Benelli Leoncino 500. Its style is reminiscent of the 1950s and 1960s "lion cub" versions produced by the Italian company. Highlights of this vintage bike include a 500cc twin-cylinder engine, a six-speed manual transmission, and a lightweight, small, and sturdy steel lattice frame.

    The 17-inch cast-alloy wheels of the Benelli Leoncino 500 are perfect for riding in cities, as they have wide, grippy tires and powerful brakes.

    Key Specifications:

    Price Range

    Starts from Rs. 4.50 lakh

    Mileage

    20-25 kmpl

    Engine

    499.6 cc

    Top Speed

    200 Kmph

    Fuel Tank Capacity

    12 Litres

     

    Conclusion

    Here, we highlight the best retro bikes in India, combining modern technology with classic style. Each bike's key features—such as engine capacity, mileage, price range, and design—are meticulously crafted to attract vintage motorcycle fans seeking modern performance.

    However, if you’re thinking of buying a retro-style bike, it is wise to acquire two wheeler insurance to protect your investment. An appropriate insurance policy will help with regular maintenance, ensuring longevity. It shall also offer financial protection in the event of an accident, theft, or damage.


    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.

  • Best 400cc Bikes in India

    by Santosh Kevale | Jan 27, 2025

    For those looking for a performance-oriented bike, 400cc motorcycles are a good choice. These motorcycles strike a very good balance between fuel efficiency and power outputs and perform well within and outside urban settings.

    With a range of diverse options available, now is the perfect time to either purchase your first bike or upgrade your current one. Read on to explore some of the best 400cc bikes in India.

    List of 400cc Bikes in India

    The 400cc motorcycle segment has a strong presence in India, offering a perfect balance of power, performance, and affordability. Here are some of the best 400cc bikes in India:

    1. Bajaj Pulsar NS400Z

    Inspired by Bajaj’s Pulsar NS DNA, this bike is built for adventure, combining solid performance with striking aesthetics. Its aerodynamic design and lightning bolt DRLs make it a head-turner.

    Powered by a liquid-cooled, four-stroke engine, the NS400Z delivers a strong 40 PS of power and 35 Nm of torque. Its projector headlamps ensure excellent visibility in dimly lit conditions. Whether you're tackling high-speed highways or navigating urban jungles, the NS400Z offers sharp handling and dependable safety features, including dual-channel ABS, upside-down forks, and Nitrox rear mono shocks.

    • Mileage: 34 kmpl (approx.)
    • Top Speed: 154 kmph
    • Kerb Weight: 174 kg

    2. KTM RC 390

    The KTM RC 390 is among the best 400cc bikes in India for both the daily rider and the bike enthusiast. The RC 390 delivers a powerful 43.5 PS and 37 Nm of torque. Equipped with WP Apex suspension, disc brakes with dual-channel ABS, quick MTC intervention, and a quickshifter, this bike excels in handling tight corners and tackling the track, making it a good choice for those seeking dynamic riding experiences.

    • Mileage: 26 kmpl (approx.)
    • Top Speed: 170 kmph
    • Kerb Weight: 172 kg

    3. Bajaj Dominar 400

    For riders who enjoy long-distance excursions, the Bajaj Dominar 400 is a formidable option. This bike provides the ideal mix of power and comfort for cruising thanks to its powerful 373.3cc engine, which produces 40 PS and 35 Nm of torque.

    The dual-channel ABS, overhead camshaft, upside-down forks, 10-step adjustable suspension, and clear white LED headlamp cluster make every ride smooth and secure. Whether you’re hitting the highways and their risky turns or taking detours from city traffic, the Dominar 400 is built to deliver.

    • Mileage: 28 kmpl (approx.)
    • Top Speed: 155 kmph
    • Kerb Weight: 193 kg

    4. Triumph Speed 400

    Like other bikes in the Triumph family, the Speed 400 stands out with its elegant design, rooted in British motorcycling heritage. This bike blends retro charm, a lightweight frame, modern performance, ergonomic seating, and an accessible price point.

    Among the top 400cc bikes in India, the Triumph Speed 400 is powered by a 398.15cc engine delivering 40 PS and 37.5 Nm of torque, ensuring a smooth and enjoyable ride. Its 43mm USD forks and gas mono-shock enhance rider comfort, making it perfect for both daily city commutes and leisurely weekend interstate journeys.

    • Mileage: 30 kmpl (approx.)
    • Top Speed: 145 kmph
    • Kerb Weight: 176 kg
  • List of Best 125cc Bike Models in India

    by Santosh Kevale | Jan 27, 2025

    If you're in the market for a new motorcycle that’s powerful, stylish, and budget-friendly, the latest range of 125cc motorcycles in India is worth exploring. These bikes are ideal for regular commutes to work and leisurely rides alike.

    They are fuel-efficient, offer great performance, and are easy to operate. With so many options available in the market, it is sometimes hard to decide which model is most suitable. Read on to explore the best 125cc bikes in India.

    List of 125cc Bike Models in India

    In India, the 125cc segment is best known for its versatility. Whether your priority is mileage or aesthetics, there’s a perfect bike for you.

    1. TVS Raider 125

    TVS has shaken up the commuter bike segment with its Raider 125, offering a blend of functionality and sporty appeal. The sharp design and vibrant colour options make it a standout choice, whether navigating weekday traffic or heading out for a weekend adventure. Its sporty nature, combined with a commendable fuel economy, ensures it remains a top contender. Its features make it one of the best 125cc bikes in India.

    • 8cc, air and oil-cooled engine
    • Reaches a top speed of 99 kmph
    • Drum brake with synchronised braking technology
    • Mileage: 56 kmpl

    2. Bajaj Pulsar NS125

    If you are a fan of Bajaj Pulsar’s iconic design but prefer a lighter and more affordable version, the NS125 might be worth looking into. Available in four classic colours in metallic shades, it is aimed at young riders looking for good performance without spending too much. Its aggressive yet nimble design and punchy engine make it popular among city users.

    • Advanced instrument console with Bluetooth and infinity twin-strip LED tail lamp
    • Has a 124.45cc, air-cooled, DTS-i engine, nitrox suspension, and anti-skid braking system
    • Reaches top speeds of 103 kmph and maximum power of 8.82 kW @8500 rpm
    • Mileage: 46.9 kmpl

    3. Bajaj Pulsar 125

    The Pulsar 125 continues the legacy of Bajaj’s popular series with its practicality and attractive design. True to its lineage, the Pulsar 125 combines functionality, dependability, and a stylish appearance, making it a fantastic choice for daily use.

    • While the 124.4cc, air-cooled engine gives a power-packed performance, the quick anti-skid braking offers superior control
    • Features convenient split-grab rails and contoured, split-seats that keep you steady as the bike picks up top speeds of 99 kmph
    • Neon headlights for a better riding experience at night
    • Mileage: 50 kmpl

    4. Honda SP 125

    The Honda SP 125 is a fusion of efficiency, practicality, and style. Renowned for its reliable engine and advanced features, this bike is ideal for modern riders seeking comfort, durability, and aesthetics – all in equal measure.

    • Features an ACG starter motor and 123.94cc, air-cooled engine; reaches top speed 100 kmph
    • Its 11.2L fuel tank features a bold and distinctive design
    • Features a digital display, LED lights, and uniquely positioned tail lamps
    • Mileage: 64 kmpl

    5. Hero Glamour XTEC

    Hero has elevated the game with the Glamour XTEC, offering a blend of style, safety, and advanced features. With its superior riding experience, this bike is the complete package, earning its place among the best 125cc bikes in India.

    • Top-of-the-line features like Bluetooth navigation and a mileage indicator with an eco-mode
    • Focus on style and practicality with its 124.7cc, air-cooled engine and stylish fuel tank design.
    • Has a 5-speed gearbox and goes up to a top speed of 95 kmph
    • Mileage: 54 kmpl

    6. Hero Xtreme 125R

    The Xtreme 125R is another standout addition to the Hero lineup. It blends sporty aesthetics with a powerful engine, making it a perfect choice for those who enjoy both city commuting and weekend-long rides.

    • A fuel-efficient 124.7cc, air-cooled engine that promises superior fuel economy.
    • Striking appearance featuring a sporty muffler cover and three classic colour tones to choose from
    • Spirited performance with a top speed of 95 kmph
    • Mileage: 66 kmpl
  • Best Adventure Bikes in India

    by Santosh Kevale | Jan 27, 2025

    If you are the kind of person who likes the thrill of open roads, rough trails, and scenic horizons, adventure biking is the perfect sport for you. Whether it's a Leh-Ladakh adventure, a cross-country road trip, tranquil beaches, or challenging mountain passes, India offers experiences that will leave you awestruck. One of the best ways to experience the diverse beauty of India's geography is by riding the perfect adventure bike.

    Here’s our take on seven of the best bikes for touring in India.

    List Of Best Adventure Bikes in India

    The right bike makes or breaks a journey. Here are some great options to consider:

    1. Ducati Multistrada V4 RS

    Starting Price: ₹38.40 Lakhs (Subject to change)

    At the forefront is the Ducati Multistrada V4 RS, a motorcycle that blends the heart of a superbike with unparalleled comfort and adaptability. As Ducati’s fastest and most powerful Multistrada, this premium machine is crafted for thrill-seekers who demand high performance without sacrificing refinement. Equipped with an advanced electronic suite, it offers four customisable ride modes—Race, Sport, Touring, and Urban—making it perfect for any adventure.

    Key Features:

    • Features a 1103cc V4 engine churning out 182.4 ps of power; equipped with Öhlins Smart EC 2.0 suspension
    • Dual-channel ABS and traction control, a desmodromic engine, and a dry clutch (with its sonics) add to the bike’s exclusivity.
    • Sporty yet versatile, the bike goes up to a top speed of 180 kmph
    • Its fuel capacity of 22 litres makes it ideal for long-distance drives

    From smooth highways to rugged trails, whether you're embarking on a cross-country expedition or cruising through the city, every journey on this bike promises to be truly unforgettable.

    2. BMW R 1250 GS

    Starting Price: ₹20.55 Lakhs (Subject to change)

    The BMW R 1250 GS has long been the gold standard in adventure motorcycles. Known for its reliability and top-notch engineering, this bike offers unparalleled versatility on all terrains. Its robust four-stroke flat-twin engine and premium-grade components ensure an unrivalled riding experience, whether you’re cruising on highways or tackling challenging mountain trails.

    Key Features:

    • 20-litre fuel tank and BMW’s signature shift cam
    • 1254cc boxer engine that delivers 134 bhp of power; the bike can reach speeds of over 200 kmph
    • Advanced suspension system for added stability, which includes travel-dependent damping and rear rebound adjustable
    • Keyless riding, dual-channel ABS, hill start control

    Regarded as one of the best bikes for touring in India, the BMW R 1250 GS guarantees a seamless riding experience.

     

    3.Harley-Davidson Pan America 1250

    Starting Price: ₹27.64 Lakhs (Subject to change)

    Breaking new ground, the Pan America 1250 marks Harley-Davidson’s stylish entry into the adventure motorcycle segment. With five ride modes, its rugged aesthetics and state-of-the-art technology make it a great choice for adventurers who demand the best of both luxury and performance.

    Key Features:

    • Adaptive ride height and suspension, along with lean-sensitive traction control and cornering ABS
    • 1252cc revolution max engine with a max power of 150 bhp; engine torque of 128 Nm
    • Can achieve speeds over 200 km/h and specially selected Michelin™ tyres
    • Top-tier safety features like vehicle hold control, electronically linked braking, and more

    Pan America is your perfect partner across a variety of Indian terrain, including smooth highways and rough off-road trails.

    4. Triumph Tiger 900 Rally Pro

    Price: ₹15.95 Lakhs (Subject to change)

    The Triumph Tiger 900 Rally Pro is a great motorcycle designed for both off-roading and long-distance touring. The bike’s powerful construction, along with state-of-the-art riding aids and enhanced safety features, ensure that you are always in control of your bike, irrespective of the ground beneath.

    Key Features

    • Light yet strong construction, fitted with an 888cc inline-three engine putting out 106.5 bhp power
    • Semi-active suspension at the front and rear, and Triumph’s well-known quickshifter
    • Multiple riding modes, including Off-Road Pro, Rider Configurable and Sport
    • Full-colour 7” TFT for brilliant display under various lighting conditions

    The Tiger 900 Rally Pro promises a thrilling experience for adventure seekers, be it riding in the mountains or on highways.

  • How CC Impacts Your Bike Insurance Premium

    by Santosh Kevale | Jan 27, 2025

    When buying bike insurance, several factors determine the premium you need to pay. One of them is the CC (Cubic Capacity) of the bike’s engine. Whether you are a first-time buyer or an experienced rider, understanding how CC affects your insurance policy can help you make an informed decision.

    In this blog, we will explore what CC is, how it affects your bike insurance premium, and other factors that influence the cost of your policy. You should have a clear understanding of what is the meaning of cc in bike and how to manage your bike insurance to get the best value for money.


    What is CC in Bike?

    CC stands for Cubic Capacity, which refers to the size or volume of a bike’s engine, measured in cubic centimetres (cc). The engine's cubic capacity is an important aspect of your bike's performance and capabilities. In simple terms, it indicates how much space is available inside the engine for the fuel-air mixture to combust. It directly correlates with the power and speed of the bike.

    Key points about CC:

    •   Higher CC = More Power: Bikes with higher CC generally have more power, which means they can achieve higher speeds and perform better, especially on highways or long-distance travel.
    •     Smaller CC = Lower Power: Bikes with lower CC engines are typically designed for city commutes. They are more fuel-efficient but have less power.
    •     Classification of Bikes based on CC:

    ○     Under 150cc: Commuter bikes with lower engine capacity, high fuel efficiency, and affordable premiums.

    ○     150cc to 400cc: Mid-range bikes offering a balance between power and fuel efficiency.

    ○     Above 400cc: Sports or high-performance bikes that deliver high power but come with higher maintenance and insurance.

    The Role of CC in Your Bike's Performance:

    •     Performance: Larger CC engines typically offer better acceleration and speed, making them ideal for long-distance drives and fast riders.
    •     Fuel Efficiency: Smaller engines are generally more fuel-efficient and better suited for short, city commutes.
    •     Insurance Risk: Higher CC engines are often considered by insurance companies as riskier due to the possibility of higher speeds, increased likelihood of accidents, and expensive repairs.


    How Does the CC of a Bike's Engine Affect the Insurance Premium?

    The CC of the bike plays a significant role in determining the insurance premium. Here’s why:

    1. Higher CC Leads to Higher Premiums:

    •     More Power, More Risk: Insurance companies calculate premiums based on risk. A bike with a high CC engine is considered higher risk because it can reach higher speeds and is often used for more adventurous riding. This increases the likelihood of accidents or damage, making insurers charge a higher premium to cover these risks.
    •     Cost of Repairs: Bikes with higher CC engines typically have more expensive parts and are costlier to repair in case of an accident. This higher repair cost is reflected in the premium.

    2. Larger Engine Capacity = Higher Maintenance Costs:

    •         Bikes with higher CC engines generally have more complex engines and advanced technology. Maintenance costs are higher, and the cost of spare parts is often more expensive compared to smaller CC bikes. This is another factor that insurers consider when setting premiums.

    3. Age and Model of the Bike:

    •         Newer bikes with larger engines generally attract higher insurance premiums due to their higher market value and repair costs. Additionally, newer models may come with advanced technology, which can increase the cost of repairs or replacement in case of an accident.

    4. Insurance Types:

    •         If you choose a comprehensive policy (which covers both damage to your bike and other vehicles), the premium will be higher for a larger CC bike. Third-party policies, which only cover damage to third parties, may have slightly lower premiums, but a high-CC bike will still be more expensive to insure.

     

    Other Factors Which Affect the Insurance Premium

    While the engine CC plays a key role in estimating the insurance premium, several other factors also affect how much you will pay for bike insurance. Let’s explore these:

    1. Age of the Rider

    •     Young Riders: If you are under 25, your insurance premium may be higher due to the perceived risk that younger riders are more likely to be involved in accidents.
    •     Experienced Riders: Riders over 30 with a good riding history may benefit from lower premiums, as they are perceived as less risky.

    2. Riding History

    •     Accident-Free Record: Riders with no history of accidents or traffic violations are often eligible for discounts on their premiums.
    •     Traffic Violations: A history of accidents, speeding tickets, or insurance claims can lead to higher premiums as the risk factor increases.

    3. Type of Coverage

    •     Comprehensive vs. Third-Party: Comprehensive coverage, which covers both your bike and third-party damages, comes with higher premiums compared to third-party-only insurance, which only covers damages to others.
    • Add-ons: Add-ons such as engine protection, roadside assistance, or zero depreciation cover can also increase your premium.

    4. Bike Security

    •         If your bike has added security features such as alarms, GPS tracking, or a strong anti-theft system, you may be able to lower your premium. These features reduce the risk of theft, making the bike less risky to insure.

    5. Location

    •         Your place of residence also affects your premium. If you live in an area with higher traffic, a higher crime rate, or more frequent accidents, your premium may be higher. On the other hand, bikes insured in rural or less populated areas may attract lower premiums.

    6. Bike Usage

    •     Daily Commute: If you use your bike for daily commuting, especially over long distances, your premium might be higher due to the increased risk of accidents.
    •   Occasional Use: If you only use the bike on weekends or for leisure, you may be eligible for a lower premium.


    Conclusion

    Effective cost management requires understanding how your bike's CC impacts your insurance rate. Higher-CC bikes, which offer more power and speed, often have higher premiums due to the increased risk and repair costs associated with them. However, bike insurance premiums are also influenced by several other factors, including the rider’s age, riding history, the type of coverage selected, and the bike's security features.

    Before choosing a bike and finalising your bike insurance online, it’s important to consider both the CC of the engine and other factors, such as your riding habits and bike usage.


    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.

  • Causes of Bike Fire: Prevention Explained

    by Santosh Kevale | Jan 27, 2025

    Ever considered what could go wrong while riding your bike? A bike fire, though rare, is a real risk caused by mechanical or electrical faults. It poses a danger to the rider and can lead to major damage to the bike.

    Understanding the root causes of these fires is crucial for prevention. Knowing what to watch for can be a game changer, whether it's due to overheating batteries in electric bikes or fuel leaks in conventional models. Understanding the causes and adopting preventive measures will help reduce the risk significantly, ensuring that your rides are both enjoyable and safe.


    Reasons for Bikes Catching Fire

    Let us take a closer look at the factors that may cause a bike to catch fire:

     

    • Flammability of Lithium-Ion Batteries: Lithium-ion batteries are preferred in modern electric bikes for their high energy density and longer lifespans compared to traditional batteries. However, they contain a highly flammable electrolyte fluid. If this fluid overheats, it can ignite and lead to intense battery explosions and fires. This issue is particularly pronounced if the battery is damaged or manufactured with low-quality standards.

     

    • Battery Overheating: Lithium-ion batteries are prone to overheating due to their chemical composition. This can be triggered by external temperatures, overcharging, or prolonged use at high power. Once overheated, the batteries can undergo thermal runaway—a chain reaction leading to fires.

     

    • Utilisation of Inferior or Defective Components: Using substandard or incompatible components can increase the risk of fires. This is often seen with aftermarket parts that may not meet the safety standards required for high-performance batteries. Defective components can cause electrical shorts and lead to sparks that may ignite the battery’s electrolyte.

     

    • Poor Maintenance and Handling: Neglecting regular maintenance or mishandling bikes can create conditions conducive to fire. Bikes must be routinely examined for any wear and tear, especially in the battery and electrical systems. Correct handling also involves keeping the bike in a cool and dry environment to avoid exposure to harsh conditions.

     

    • Environmental Factors and Accidents: External factors such as high ambient temperatures can exacerbate the risk of battery overheating. Additionally, accidents can lead to physical damage to the battery, compromising its structural integrity and potentially causing fires. Ensuring the bike is used within recommended conditions and receiving immediate attention after accidents can help mitigate these risks.

     

    How to Prevent Fires in Bikes



    Preventing a bike fire involves several precautions to ensure the safety of your vehicle. Here are some guidelines to follow:

    • Purchase from a Reputable Manufacturer: When selecting a bike, opt for brands that are known for their commitment to quality and safety. These manufacturers use components that meet high standards and are less prone to malfunctions that could lead to fires. Also, verify that the manufacturer provides a comprehensive warranty on its components—it can be a testament to the product’s reliability and safety.

     

    • Use Original Parts: Always use the original components and equipment supplied by the manufacturer. Using aftermarket parts that were not specifically designed for your bike can increase the risk of electrical failures and fires.

     

    • Use Approved Charging Points: Only use charging stations that are government-approved and conform to safety standards. These stations are designed to handle the power requirements of e-bikes without causing damage to the battery.

     

    • Follow the User Manual: Adhere strictly to the manufacturer's guidelines. The user manual includes specific instructions on the safe operation and maintenance of your bike—they are vital to prevent accidents and fires.

     

    • Monitor the Charging Process: Always keep an eye on your bike while it is charging. Look out for any signs of damage, unusual odours, noise, or smoke. Disconnect the bike immediately and consult a professional if you notice anything unusual.

     

    • Avoid Overcharging: Never leave the battery charging unattended overnight or longer than recommended. Overcharging raises the risk of a fire by overheating the battery.
    • Regular Inspections and Maintenance: Consult a professional to examine your bike regularly and make sure that all parts are in working condition. Regular maintenance will help you identify possible problems before they become serious issues.

     

    • Avoid Charging a Wet Battery: Water can cause serious damage to electrical components. If your bike or battery gets wet, make sure to let it dry completely before trying to charge it.

     

    • Park in the Shade: Avoid parking and charging your bike in direct sunlight, especially on hot days. Excessive heat can accelerate battery degradation and increase fire risk.

     

    • Dispose of Old Batteries Properly: Old or damaged batteries pose a significant fire risk. Dispose of them at an authorised recycling facility.

     

    • Avoid Covering Battery Packs: Do not cover your bike’s battery with any materials, especially plastic. It can trap heat around the battery.

     

     

    Conclusion


    While bike fires are a serious concern, understanding their causes and actively taking steps to prevent them is crucial to ensuring your safety. Regular maintenance and strict adherence to manufacturer guidelines are key to keeping your rides enjoyable and secure.

    Additionally, securing comprehensive two-wheeler insurance plays a vital role in protecting your vehicle and ensuring longevity. Selecting the right two wheeler insurance for your bike can provide critical financial protection against accidents, including fire-related damages. Equip yourself with robust two-wheeler insurance to safeguard your investment and drive with peace of mind.


    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.

  • Documents Required For Second Hand Bike Purchase

    by Santosh Kevale | Jan 27, 2025

    Are you considering buying a second-hand bike? It’s important to remember that this purchase involves more than just finding the right price or the perfect model—the paperwork is equally crucial. Ensuring a smooth and lawful transfer of ownership requires a clear understanding of the necessary documentation, from the Registration Certificate to the ownership transfer forms.

    Each piece of paperwork plays a significant role in the process. Let’s explore the details and explore the documents required for second hand bike purchase.

     

    List Of Documents Required While Purchasing a Used Bike

     

    Let’s break down the list of documents required for buying second hand bike:

     

    1. Registration Certificate (RC) Book: The RC book or card is your primary document and must be thoroughly checked. It includes the bike's registration number, engine number, chassis number, and information about previous ownership. If a bank financed the bike’s purchase, the RC should have the bank's endorsement or a No Objection Certificate (NOC) from the financier indicating that any loan has been fully repaid. Additionally, ensure the RC book has not been tampered with—discrepancies can indicate issues with the bike’s legal status.

     

    1. Insurance Certificate: It is important to have an active insurance policy for any vehicle in use. When buying a used bike, ensure the insurance is transferred to your name. This document should be reviewed for any previous claims, as they might affect your future premiums. The insurance certificate is vital as it confirms that the bike can be legally driven and is protected against potential liabilities. Confirm that the policy coverage is adequate for your needs by considering factors like third-party liability and comprehensive coverage options.

     

    1. Pollution Under Control (PUC) Certificate: This certificate is a mandatory document that verifies the bike's emissions are within the permissible limits. A valid PUC certificate is required at all times to avoid fines and confirms the bike's compliance with environmental standards. Regular checks and timely renewals of this certificate are important to maintain its validity and ensure ongoing compliance.

     

    1. Road Tax Receipt: This receipt is evidence that the road tax has been paid up to date. It is essential to ensure that no outstanding road taxes are due, especially if the bike was previously used in a different state. The receipt serves as proof that the bike has no unpaid dues that could later be transferred to the new owner. Always cross-verify with local tax records to avoid any discrepancies in tax payments.

     

    1. Sales Receipt: A sales receipt is required when purchasing a second-hand bike from a dealer or a private seller. It should detail the transaction, including the price, Value Added Tax (VAT), other taxes, and conditions of the sale. This receipt serves as proof that you purchased the vehicle and is crucial for any future claims or resale. It also helps establish the provenance of the bike, which can be beneficial during resale to validate the bike's history.

     

    1. Address Proof and Passport Size Photos: These documents are often needed to confirm the buyer's details with the RTO. They are necessary to verify your identity and address during the ownership transfer process. Make sure the address on these documents matches your current residence to avoid any issues with the RTO during the transfer.

     

    1. Transfer of Ownership Documents (Forms 28, 29, and 30):

     

    • Form 28: No Objection Certificate (NOC): An NOC is required if the bike is registered in one state and is being sold in another. It ensures that there are no legal or tax-related impediments to the sale. This form is particularly important when the vehicle’s registration is being transferred across state lines and may require clearance from multiple authorities.

     

    • Form 29: Notice of Transfer of Ownership: This form is filed by the seller to inform the RTO of the intention to transfer the vehicle's ownership. It acts as a formal declaration of the intent to sell and should be filed promptly after the decision to sell the vehicle is made.

     

    • Form 30: Report of Transfer of Ownership: This form is filed by the buyer and acts as confirmation of Form 29. It is necessary to complete the transfer process with the RTO. This document ensures that the RTO records are updated to reflect the new ownership status and helps complete the legal process of the sale.


    Conclusion

    Purchasing a used bike involves meticulous attention to detail regarding paperwork. You must ensure that all required documents are valid and appropriately transferred to secure your ownership legally and protect yourself from legal issues.

     It is also important to double-check all documents with the seller and consult the RTO when necessary. Remember that it is also essential to purchase appropriate bike insurance policy to ensure the longevity of your purchase and satisfy legal requirements. This ensures both peace of mind and financial security, allowing you to enjoy your purchase to the fullest.


    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.

  • Electric Scooter vs Petrol Scooter – Which One to Choose?

    by Santosh Kevale | Jan 24, 2025

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

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

     

    Pros and Cons of Electric Scooters

     

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

     

    • Pros:


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

     

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

     

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

     

    Cons:

     

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

     

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

     

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

     

     

    Pros and Cons of Petrol Scooter

     

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

     

    Pros:

     

    • Range and Convenience: Petrol scooters are known for their long range and ease of refuelling. Unlike electric scooters that require several hours to recharge, petrol scooters can be refuelled in minutes at any of the widespread petrol stations. This makes them highly convenient for long-distance travel and spontaneous trips.

    • Variety and Cost: The market for petrol scooters offers a wide range of models, from low-cost options to high-performance scooters, catering to a broad spectrum of consumers. Petrol scooters are generally more affordable in terms of initial purchase price compared to electric scooters.

     

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

     

    Cons:

     

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

     

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

     

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

     

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

    Feature          

    Electric Scooters       

    Petrol Scooters

    Power Source

    Powered by rechargeable lithium-ion batteries. Offer smooth and quiet operation.   

    Runs on gasoline with internal combustion engines. Offers better top speed and acceleration.

    Operational Costs    

    Generally lower due to cheaper electricity costs and higher energy efficiency.

    Higher due to the cost of gasoline and lower fuel efficiency.

    Environmental Impact        

    Produce zero direct emissions, making them environmentally friendly. The impact varies based on the electricity source.

    Give out carbon dioxide, nitrogen oxides, and other pollutants that contribute significantly to air pollution and global warming.

    Maintenance and Longevity

    Have fewer moving components. Thus, they require less maintenance. No need for oil changes, fuel filter replacements, or exhaust system services.

    Require regular maintenance such as oil changes, replacement of spark plug replacement, and maintenance of air filter, all of which can increase overall costs and effort.

    Infrastructure and Accessibility  

    The choice is also influenced by the accessibility of charging stations, which might not be as common.

    Benefit from well-established petrol station networks, allowing for easy and quick refuelling.

     

    Which One To Choose?

     

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

    Commute Type

     

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

     

    Environmental Concerns

     

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

     

    Budget Constraints

     

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

     

    Lifestyle Compatibility

     

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

     

    Conclusion

     

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


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

  • How To Check Engine Oil Level In Bike

    by Santosh Kevale | Jan 24, 2025

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

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

     

    Steps On How To Check Engine Oil Level In Bike

     

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

     

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

     

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

     

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

     

    • Checking Engine Oil Level Through the Dipstick:

     

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

     

    • Checking Engine Oil Level Through the Oil Level Window

     

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

     

    • Assess the Oil Quality

     

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

     

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

     

    • Important Points to Keep in Mind

     

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

     

    Conclusion

     

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


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

  • Air Cooled Vs Oil Cooled Vs Liquid Cooled Engines

    by Santosh Kevale | Jan 24, 2025

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


    What are Oil-Cooled Engines?

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


    Benefits Of Oil-Cooled Engines

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

     

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

     

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

     

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

     

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

     

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

     

    What are Air-Cooled Engines?

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


    Benefits Of Air-Cooled Engines

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

     

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

     

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

     

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

     

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

     

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


    What are Liquid-Cooled Engines?

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


    Benefits Of Liquid-Cooled Engines

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

     

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

     

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

     

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


    Difference Between Air Cooled Vs Oil Cooled Vs Liquid Cooled Engines

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

     

    Feature          

    Air-Cooled Engine

    Oil-Cooled Engine

    Liquid-Cooled Engine

    Cooling Efficiency

    Limited, relies on airflow

    Moderate, uses engine oil and an oil cooler 

    Superior uses a water-coolant mix and radiator

    Complexity    

    Simple design, fewer components    

    Moderately complex, includes oil cooler and pumps      

    High complexity, involves radiator, coolant, hoses, and pumps

    Maintenance 

    Low, fewer parts to maintain         

    Moderate, regular oil changes and checks required          

    High, requires regular coolant changes and system checks

    Noise Level    

    Higher due to direct air cooling      

    Moderate, reduced noise due to oil cooling           

    Low, coolant acts as insulation for quieter operation

    Cost   

    Lower manufacturing and maintenance costs

    Moderate, additional components and an oil cooler add to the cost

    Higher, intricate system with more components adds to the cost

    Best Suited For

    Two-wheelers, smaller vehicles, moderate climates

    Mid-sized cars, motorcycles, varying climates

    High-performance vehicles, diverse climates

    Performance Consistency

    Variable, depends on speed and ambient conditions

    More consistent than air-cooled but varies with oil temperature

    Highly consistent, maintains optimal temperatures under all conditions

    Risk of Overheating           

    Higher, especially in hot or slow-moving conditions

    Moderate, better than air-cooled but less than liquid-cooled           

    Low, effectively manages heat even under high-stress conditions

    Suitability for Indian Conditions           

    Good for casual use and lighter vehicles in moderate climates

    Better suited for a variety of vehicles and conditions

    Ideal for heavy use, performance-focused vehicles in diverse climates

     

    Conclusion

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

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


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

  • How to transport a bike using a train?

    by Santosh Kevale | Jan 24, 2025

    Updated on - 30 Dec 2025

    Transporting a bike from one city to another can feel tedious, but Indian Railways makes the process simple, safe and affordable. Every year, thousands of people send their bikes by train for relocations, college admissions, work transfers or long trips. Since the service is available across most major railway stations, it’s often cheaper and more convenient. You can book your bike as luggage if you’re travelling on the same train or send it as a parcel if you’re not.

    With the right documents, proper packing and a bit of preparation, your bike can be transported smoothly over long distances.

    Here’s a guide to help you send your bike by train the right way.

    Different ways of bike transportation in India

    You can move your bike either by road or by rail. If you choose Indian Railways, there are two ways to send your bike:

    1. Transporting your bike as luggage

    You can book your bike as luggage if you are travelling on the same train. In this case, the bike is loaded onto the train along with passenger luggage and handed over to you at the destination.

    Key points:

    • You must reach the luggage office at least 45–60 minutes before the train’s departure (timing may vary by station).
    • Carry your train ticket, bike documents and ID proof.
    • Your bike will be loaded into the luggage van and transported to your destination station.
    • After you arrive, you can collect your bike from the luggage office by presenting your luggage ticket and ID.

    2. Transporting your bike as a parcel

    If you are not travelling yourself, you can send your bike as a parcel. This is one of the most affordable and widely used methods for long-distance bike transport.

    Key points:

    • You do not need to travel with your bike.
    • The bike is packed, booked at the parcel office and shipped to the destination station.
    • Delivery generally takes 2–7 days, depending on train schedules and parcel movement.
    • You can collect the bike from the destination parcel office by showing your Parcel Way Bill (receipt) and ID.

    How do you book a bike parcel on the train?

    Here’s a step-by-step guide to booking your bike as a parcel:

    1. Visit the parcel office: Go to the parcel office at your nearest railway station.
    2. Attach the required documents.
    3. Prepare your bike:
    • Make sure the fuel tank is empty.
    • Pack your bike properly.
    • Tie a cardboard with the names of the origin and destination stations to your bike.
    1. Fill the forwarding note:
    • Write the origin and destination stations.
    • Mention your postal address, bike make, registration number, weight and value.
    1. Pay the charges:
    • Pay the packing and delivery charges.
    • Insurance charges are included in the parcel cost (no extra charge if the declared value is up to ₹10,000; 1% extra if above).

    Booking your bike as luggage

    It's essential to book your bike as luggage concurrently with your train ticket or at least 24 hours before your departure. However, verify that your chosen train offers this service.

    1. Arrive early: Arrive at the station at least 30 minutes before the train's departure to avoid any last-minute complications.
    2. Check-in at the luggage office: Locate the luggage office and submit the journey ticket and your bike’s documents.
    3. Pay the required luggage fee based on the bike’s weight and distance.
    4. Follow packing and labelling procedures:
    • Packing: The fuel tank must be emptied, and movable parts like the chain or pedals should be secured.
    • Labelling: Attach a durable and clear label to your bike with your name, contact information and destination details to avoid any mix-ups.
    1. Present your journey ticket: Present your journey ticket during the booking process at the luggage office. An endorsement will be made on your ticket; it links your bike with your travel itinerary.
    2. Collect the luggage ticket: After confirming the booking, you will receive a luggage ticket for your bike. This ticket is needed to track your bike and collect it upon arrival at your destination.

    What documents are required for transporting a bike by train?

    Here’s a list of documents you’ll need:

    • Valid government-issued ID proof: ID proof like Aadhaar card, driving licence or passport to verify your identity.
    • Bike registration certificate: Carry the original and a photocopy to prove ownership.
    • Insurance details: Have a bike insurance policy to cover potential damages during transport.
    • PUC certificate: To show your bike meets environmental standards.
    • Detailed transport form: Fill out at the booking counter to provide specifics like your name, address and destination.
    • Reservation ticket: You must have a reservation ticket to link it with your travel itinerary if you book your bike as luggage.

    What are the bike parcel transport rules issued by Indian Railways?

    Indian Railways has established certain guidelines to ensure your bike arrives at its destination safely. Here’s what you need to know, written in the same format you used:

    • Empty fuel tank: Before booking, your bike must have an empty petrol tank. Transporting a bike with fuel is prohibited as a safety measure.
    • Compulsory packing: The bike must be packed properly before transport. Packing services are usually available near the station, and proper wrapping helps protect your bike from scratches and damage during loading and unloading.
    • Clear labelling: You must label your bike with the names of the starting and destination stations. This label should be tied securely so railway staff can easily identify and route your bike correctly.
    • Bike documents: Carry the original and a photocopy of your bike’s Registration Certificate (RC), a valid government ID, the bike’s insurance policy and a PUC certificate. These documents are required both during booking and at the time of collection.
    • Parcel Way Bill (PWB): After paying the parcel charges, the railway will issue a Parcel Way Bill, which serves as your receipt. You must show this PWB when collecting your bike at the destination.
    • Declare bike value: When booking your bike as a parcel, you will be asked to declare its value. This helps determine the insurance coverage and is important if any issue arises during transit.
    • Pick up on time: Once your bike reaches the destination station, ensure you collect it promptly. Delayed pickups may result in additional charges.
    • Present your ID and parcel receipt: To take delivery of your bike, you must show a valid ID and the original Parcel Way Bill to the parcel office staff.

    What is the cost of transporting a bike by train and how is it calculated?

    Indian Railways calculates bike transport charges based on weight, distance and other factors, such as packing and insurance.

    Cost Component

    Description

    Estimated Charges (INR)

    Packing cost

    Covers the cost of packing your bike securely before loading

    300–500

    Parcel or luggage charge

    Calculated based on the bike’s weight and total distance

    Around 120–150 (for a 100 kg bike over 290 km)

    Insurance charge

    Covers the declared value of your bike during transit

    Included in cost (1% extra if value exceeds 10,000)

    Delivery and handling charge

    Charged for unloading and handling at the destination station

    100–200

    Total estimated cost

    Combined cost for the complete transport process

    500–1000

    Why should you consider two-wheeler insurance before transporting your bike?

    Sending your bike by train is generally safe and affordable, but unexpected incidents can still occur during packing, loading, unloading or transit. This makes it essential to have an active two wheeler insurance policy before arranging transport, as it provides financial protection if anything goes wrong.

    Why insurance matters

    Two-wheeler insurance protects you from paying repair or replacement costs if your bike is damaged, scratched or stolen while in transit. It covers more than just physical damage; many policies also include theft protection and third-party liability benefits. Having insurance adds peace of mind when your bike is being handled by others.

    What comprehensive two-wheeler insurance covers

    A comprehensive policy covers accidental damage during loading, unloading or railway transport. It also protects against theft or loss while the bike is in transit. Many insurers offer additional benefits such as zero-depreciation cover, roadside assistance and enhanced protection for expensive parts.

    Tips before booking your bike transport

    Before transporting your bike, make sure your insurance policy is active and includes transit-related coverage. Keep your insurance documents handy during booking and delivery. You can also consider add-ons that increase protection during transit, especially if your bike is new or of high value.

    Conclusion

    Transporting your bike by train is one of the most reliable and budget-friendly ways to move it from one city to another. All you need to do is follow the railway guidelines and keep your documents ready. Always ensure the fuel tank is empty, the bike is packed securely and the booking receipt is stored safely for collection at the destination.

    For added protection, make sure your comprehensive two wheeler insurance is active before shipping. With proper preparation, your bike can reach its destination safely and without any hassle.

    If you are looking for a suitable insurance plan for your bike, fill out the form on this page to explore the best available options.

    FAQs

    1. Can I travel with my bike on the same train?

    Yes. Book your bike as luggage, show your travel ticket and bike documents, and reach the luggage office at least 45–60 minutes before departure.

    2. How do I send my bike as a parcel?

    Visit the parcel office with your RC, ID, insurance and PUC. Ensure the petrol tank is empty, pack the bike, fill the forwarding note, pay the charges and collect the Parcel Way Bill for pickup.

    3. What documents are required to transport a bike by train?

    You need the bike’s RC, a valid ID, insurance papers, a PUC certificate and the booking receipt.


    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.

  • Motor Bike Accidents: Injuries, Treatment, Recovery

    by Santosh Kevale | Jan 24, 2025

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

    What to Do After a Bike Fall?

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

    Guide For Victims

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

    • Assess Injuries: Immediately check yourself for any signs of injury. Serious injuries, such as bleeding or fractures, require urgent medical attention. Avoid moving if you suspect spinal injuries to prevent further harm, and wait for medical help.
    • Secure the Area: Move to a safe location away from traffic. Use your bike or any other means to signal other travellers about the road condition, warning them to reduce speed to reduce the risk of further accidents.
    • Document the Scene: Take photographs of the accident scene and the damages. Note details of how the accident occurred and collect contact information from witnesses. This information will be essential for insurance claims and legal matters.
    • Report the Incident: Notify the local police and file an accident report, which will be required for insurance and legal purposes.
    • Inspect Your Bike: Check your bike for damage before riding again. Look for issues with the brakes, tires, and handlebars. If the bike is unsafe to ride, arrange for transportation to a repair shop or home.

    What Witnesses Can Do?

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

    by Santosh Kevale | Jan 24, 2025

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

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

     

    Major Benefits of Biking

     

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

     

    • Riding is Exercising

     

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

     

    • Sharpens Your Reflexes

     

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

     

    • Explore As You Ride

     

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

     

    • Improves Brain Function

     

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

     

    • Effective Stress Buster

     

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

     

    • Helps With Weight Loss

     

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

    • Improved Emotional Well-being

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

     

    Conclusion

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


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

  • How to Reduce Bike Exhaust Sound?

    by Khyati Malik | Jan 21, 2025

    How to Reduce Bike Exhaust Sound?

    Introduction

    Biking enthusiasts know the thrill of hitting the open road and feeling the wind in their hair, but the loud exhaust noise can sometimes be a buzzkill. Whether you live in a noise-restricted area or want to be a considerate neighbour, reducing your bike’s exhaust sound is a great way to maintain a peaceful riding experience. In this blog, you can explore six effective methods to make your motorcycle exhaust quieter. These tips will ensure a smoother and less disruptive ride. For those looking to protect their two-wheeled investments, we’ll also touch upon the importance of bike insurance. Let’s get started!

    Ways to Reduce Bike Exhaust Sound

    Here, we will learn six effective methods to make your bike exhaust sound system quieter. Use these methods to ensure a smoother and less disruptive ride:

    • Muffler Replacement

    Mufflers are a time-tested solution for reducing exhaust noise. If you own a used bike or suspect the muffler has been tampered with, replacing it can be an effective step. Mufflers are widely available, reasonably priced, and accessible, making them a suitable choice for noise reduction. Many bike insurance policies even cover the cost of muffler replacement, offering financial peace of mind.

    • Patch Any Holes in Your Bike’s Exhaust Pipe

    Exhaust system holes are a leading cause of excessive noise. Inspect your exhaust for leaks and seal them to reduce noise. Smaller holes, often caused by rust, can be easily remedied by wrapping tape around them. For larger holes, consider using epoxy and a patch or aluminium as a substitute. Proper cleaning of the pipe and patch area is crucial before applying epoxy. Additional securing methods, like hose clamps, can help ensure the patch remains in place, reducing noise.

    • Exhaust Wraps

    Exhaust wraps primarily aim to minimise heat, but they also contribute to sound reduction. Manufacturers create it from materials like fibreglass and titanium, and you can find these wraps on the market. The addition of fibreglass to titanium wraps can significantly reduce noise. Wrapping your exhaust pipes can be a straightforward DIY solution for a quieter ride.

    • Purchase a Motorbike Exhaust Silencer

    Many manufacturers have responded to the growing demand for quieter exhaust systems by creating exhaust silencers that effectively muffle the noise. These standard silencers feature fibreglass wrapping, which not only narrows the exhaust opening but also soundproofs it. When purchasing a new motorbike exhaust silencer, ensure it matches your pipe’s diameter for a proper fit. Replacing a silencer is a straightforward process that involves fitting it in place and tightening the bolts, making it an accessible solution for noise reduction.

    • Change to New Pipes for a Lasting Solution

    If other methods prove ineffective in reducing noise, consider replacing your bike's exhaust pipes with new ones. For motorcycles with dual exhaust systems, installing cross pipes can effectively merge exhaust and sound, effectively reducing noise. Alternative pipe designs, such as h-pipes and y-pipes, are available, each offering unique noise-reduction characteristics. Some experts even recommend using a cap with a smaller diameter than the new pipes, further diminishing the sound.

    • Routine Inspection and Servicing for Noise Reduction and Safety

    Regularly inspecting and servicing your motorcycle is a proactive measure to prevent excess noise. Getting an online two-wheeler insurance policy is a wise choice, as it can cover the costs of potential replacements and provide peace of mind. Maintaining your bike in top condition is essential for reducing noise and enhancing safety. A well-serviced bike operates more smoothly and quietly, reducing vibrations and noise.

    Conclusion

    Now you know how to reduce exhaust sound. Remember, the choice of method may depend on the extent of noise reduction needed and your budget. Moreover, by investing in online two-wheeler insurance, you can secure financial protection for your bike, guaranteeing coverage for unforeseen repairs or accidents. So, try these tricks to reduce your bike’s rumble, drive safely and responsibly and don’t forget to protect your two-wheeler with the shield of a decent online bike insurance policy.

  • How to Check Bike Insurance with Vehicle Number

    by Khyati Malik | Jan 21, 2025

    How to Check Bike Insurance with Vehicle Number?

    Introduction

    Checking your bike insurance details by using your vehicle’s registration number is a convenient way to ensure that your two-wheeler is adequately insured. It provides quick access to essential information about your insurance policy, including its expiry date. In this blog, we will explore checking your bike insurance using the vehicle number. It will offer hassle-free ways to stay informed about your coverage and policy details.

    Can You Check Bike Insurance Using Your Vehicle Number?

    Yes, you can check your bike insurance details using your vehicle’s registration number. Here’s how:

    • Visit Official Websites

    You can check your bike insurance details on the official websites of the State Transport Department, Regional Transport Office (RTO) or the Ministry of Road Transport & Highways.

    • Enter the Vehicle Registration Number

    On the website, enter your vehicle’s registration number in the designated field. This unique number will serve as the key to accessing your insurance details.

    • Retrieve Policy Information

    After entering the registration number, the website will display all the relevant details of your motor vehicle insurance policy. It includes information about your policy’s expiration date and other policy specifics.

    • Insurance Information Bureau

    You can also utilize the website of the Insurance Information Bureau, overseen by the Insurance Regulatory and Development Authority of India (IRDAI). The bureau provides a platform to access bike insurance policy details.

    By adhering to these uncomplicated steps, you can easily retrieve the details of your bike insurance check by vehicle number. This method is beneficial if you need to find out your policy’s end date and need to have your policy number readily available.

    Conclusion

    Checking your bike insurance details using your vehicle’s registration number is a user-friendly and efficient way to stay updated on your insurance coverage. Whether you want to verify your policy’s expiration date or access other policy specifics, the process is quick and accessible through official websites like the State Transport Department, RTO or the Ministry of Road Transport & Highways.

    Additionally, the Insurance Information Bureau, regulated by IRDAI, provides another reliable avenue for accessing bike insurance policy information. By using these resources, you can easily ensure that your two-wheeler remains adequately insured.

  • Top Reselling Bikes in India

    by Tanmay Ahuja | Jan 20, 2025

    A bike has long been one of the best convenience vehicles, allowing owners to navigate chaotic urban traffic and off-beat paths. Although a stylish and typically more affordable transportation option, bikes are particularly susceptible to the dynamics of a quickly evolving industry and the resulting updates in features. Reselling your bike presents itself as a feasible option in this situation.

    Best Resale Value Bikes in India          

    Considering potential future situations, it would be wise to evaluate several factors before buying a bike. While speed and mileage are often the obvious considerations, it's equally important to think about the vehicle's potential resale value. Additionally, researching bikes with the best resale value bikes in India can be beneficial if you're exploring second-hand buying options.

    1. Royal Enfield Bullet 350: Royal Enfield bikes stand out with their timeless appeal and have garnered a loyal cult following. The Bullet 350 model, in particular, is highly sought after and instantly recognisable by name. It ranks among the best-selling and most frequently resold bikes in India, thanks to its iconic status.
    2. Honda CB Shine: Boasting the legacy of the world’s best-selling motorcycle brand, the Honda CB Shine's high resale value stems from its reputation as one of the most economical bikes. The fuel efficiency of this Honda model makes it perfect for everyday transportation, which keeps it in high demand in the market.
    3. Hero Splendor: The Hero Splendor is perhaps the most durable of all Hero models, which explains why it commands the highest resale value in this segment. Stylish yet low-maintenance, the Splendor's price range falls within the affordable bracket, making it a top choice for many bike owners across the country.
    4. TVS Star City Plus: If you are looking for a bike that fits within a budget while offering comfort and efficiency, the TVS Star City Plus will be a good fit. One of the biggest advantages of this model is that it is lightweight and stylish and maintains its resale value over time.
    5. Bajaj Pulsar: Bearing the trust of the Bajaj brand, the Pulsar series in the mid-price range has established itself as one of the most in-demand options. Factors such as safety, convenience, style, and performance further reinforce the Pulsar's position as one of the top bikes with best resale value in India.
    6. Yamaha FZ Series: The FZ series by Yamaha scores high on resale value due to its sporty design and impeccable performance. It also benefits from being long-lasting, which helps preserve its worth over the years. Yamaha's models are distinguished by their technologically innovative features, making them popular choices for both first-time buyers and resale.

    Conclusion

    The resale value of bikes ultimately depends on their condition at the time they are made available in the market. It is therefore advisable to have a two wheeler insurance policy that provides comprehensive coverage and helps with the maintenance and upkeep of your vehicle.

    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

  • Tips for Two-Wheeler Driving Test

    by Khyati Malik | Jan 20, 2025

    Tips for Two-Wheeler Driving Test

    Introduction

    Mastering the art of manoeuvring a motorcycle or scooter is no small feat. Among the most challenging manoeuvres is the figure 8. This driving test requires precision, balance and seamless coordination between you and your bike. Whether preparing for a two-wheeler driving test or simply looking to enhance your riding skills, this blog will guide you to acing figure 8. Here, we will provide a step-by-step approach to successfully navigating an 8 during the two-wheeler driving test.

    Tips for Riding a Motorcycle

    Riding a motorcycle is an exhilarating experience that offers freedom and adventure. However, it also comes with a significant level of responsibility and the need for careful skills and practices to ensure safety. Here are some essential two-wheeler driving test tips:

    • Focus on Your Control and Balance

    Achieving mastery in taking a figure 8 driving test on a two-wheeler hinges on maintaining control and balance. Precise control over your bike’s movements is essential for executing figure 8 flawlessly. Develop your ability to keep the bike steady throughout the manoeuvre.

    • Look Ahead and Anticipate Each Turn

    Success in taking an 8 depends on your ability to anticipate and prepare for each turn. Keep your eyes focused ahead, analysing the path you intend to follow. This anticipatory approach will help you make smoother transitions during the figure 8.

    • Keep Your Body Relaxed

    A relaxed posture is fundamental to maintaining control and balance. Ensure that your grip on the handlebars is firm but not excessively tight. A tense grip can lead to jerky movements and difficulties in executing Figure 8 smoothly.

    • Always Practice in a Safe Environment

    Safety should be a top priority when practising for the two-wheeler driving test. Find a controlled environment, such as an empty parking lot or a dedicated practice area, to hone your skills. This controlled setting allows you to focus on your technique without the distractions of traffic or other obstacles.

    • Study the Rules and Regulations

    A solid understanding of road rules and regulations is essential for passing the driving test. Familiarise yourself with traffic signals, speed limits, road signs and other guidelines to ensure you’re well-prepared for the test.

    • Get Familiar with the Test Course

    Knowing the test course at the Regional Transport Office (RTO) is crucial. Practise your figure 8 in conditions similar to the actual test course. This familiarity will boost your confidence during the test.

    • Practice Diligently

    Practice is vital to overcoming challenges. Practice in a controlled environment to improve your stopping, starting, turning and straight-line riding skills. Exposure to different terrains will also enhance your control.

    • Ensure Your Two-Wheeler is Ready

    A well-maintained two-wheeler is essential for the driving test. Check the brakes, lights and tires to ensure they function properly. A clean and well-maintained bike boosts your confidence and performance.

    • Arrive Early and Pay Attention to Instructions

    Arriving early at the test site allows you to settle in and focus. Please pay close attention to the instructor’s instructions and follow them accurately during the test.

    • Stay Focused and Confident

    Remaining calm and focused during the test is crucial. Trust in your practice and abilities, and avoid distractions. Confidence in your skills will go a long way in ensuring your success in the two-wheeler driving test.

    Conclusion

    Safe motorcycle riding requires skills, experience and a commitment to safety. By following these tips for smooth and safe execution, you can enhance your riding skills and increase your chances of success. Remember to prioritise safety and remain confident in your abilities as you strive to ace the two-wheeler driving test. Moreover, you should consider bike insurance to ensure you have all the documents necessary for a safe journey.

  • How to Maximise the Resale Value of Your Bike

    by Khyati Malik | Jan 20, 2025

    How to Maximise the Resale Value of Your Bike?

    Introduction

    When parting with your cherished motorcycle, aiming to maximise its resale value becomes essential. Selling a bike can be an emotional journey, marked by the desire to secure the best deal possible. This blog will tell you the strategies and steps you can take to make your motorcycle more enticing to potential buyers. From regular maintenance to finding the right buyer, the following guidance will assist you in navigating the process. It will ensure you receive the most favourable return on your beloved two-wheeler.

    Ways to Increase Resale Value of Bike

    When it comes to maximising the resale value of a bike, several key strategies can make a significant difference in the final sale price, which are:

    • Maintain Appearance

    Keeping your bike looking fresh and well-maintained is vital. Consider investing in paint treatments to restore the exterior and enhance its appeal. A clean and pristine exterior significantly boosts the resale value.

    • Upgraded Grips

    Replace worn-out grips with more durable, comfortable and long-lasting options. Enhanced grips not only improve your bike’s performance but also contribute to its overall appeal.

    • Chain Lubrication

    Regularly oil the chain and ensure it’s in good condition. A well-lubricated chain is crucial for maintaining peak performance and a higher resale value.

    • Proper Storage

    Store your bike in a clean, well-maintained environment to prevent dust and dirt accumulation. Proper storage helps maintain efficiency and prevents any potential deterioration.

    • Performance Evaluation

    Routinely assess your bike’s performance to ensure it’s in top condition. Knowing your bike’s current state allows you to address any issues before the sale and provides valuable information for negotiation.

    • Consider Variables

    Several factors influence the resale value of your bike. These include the bike’s age, brand, mileage, insurance history, ownership history and overall condition. Use online tools or consult a local mechanic to obtain an accurate estimate of your bike’s value based on these variables.

    • Document Gathering

    Ensure you have all the necessary documents in order. These include the Registration Certificate, Two-Wheeler Insurance Plan Documents, Road Tax Certificate, Form 28, No Objection Certificate, Form 29 and Form 30. Having the correct paperwork readily available makes the sale process smoother and more attractive to buyers.

    • Locate Buyers at Online Marketplaces

    Utilise online platforms and classified websites to create listings for your bike. Include detailed descriptions and high-quality photographs to attract potential buyers. Online marketplaces provide a wide reach and the convenience of reaching a broader audience.

    • Be Prepared

    Being well-prepared and knowledgeable about your bike’s value and condition is essential for effective negotiation. Understanding the factors that affect your bike’s resale value will enable you to defend your asking price and engage in productive negotiations.

    • Flexibility

    While aiming for the best possible price, it’s also essential to remain flexible and open to reasonable offers. Flexibility can lead to a smoother and faster sale.

    Conclusion

    Selling your bike is more than just a transaction; it’s a journey of parting with a trusted companion. To maximise the resale value, patience and thorough research are essential. Follow the above tips to boost your bike’s resale value, ultimately achieving a fair and profitable sale. Bike transactions are business deals, and attention to detail is essential to secure the best possible deal. You should also ensure a seamless transfer of the bike insurance policy to the buyer.

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