What Are the Documents Required for the Bike Ownership Transfer?

Are you considering the purchase of a second-hand or used bike or selling your own?

Such transactions involve transferring vehicle ownership rights from the current owner to the new one, necessitating the submission of specific documents, including the RC, PUC, NOC and bike insurance, among others. This blog will provide an in-depth exploration of the requisite documents for bike transfers in India.

Documents Needed for the Bike Ownership Transfer

Regarding the transfer of motorcycle ownership in India, it’s crucial to know the documents required for bike transfer. These documents are vital for legitimizing and streamlining the process, ensuring the lawful transition of a bike from one owner to another, and addressing all legal and financial aspects appropriately.

In this discussion, we will delve into the key paperwork associated with the documents needed for bike transfer:

1. Registration Certificate (RC)

One of the most essential documents required to transfer bike ownership is the registration certificate of the vehicle. The seller must submit a transfer registration certificate to the Regional Transport Office (RTO) to transfer the ownership to the new owner.

If you are the seller, you must verify all the details mentioned in the RC, such as the owner’s name, chassis number and engine type.

If you’ve bought your two-wheeler on loan, make sure to obtain a No Objection Certificate and a stamped Form 35 that confirms the full repayment of the bank loan taken for the vehicle.

2. Duly Filled Form 29

Another essential document that you are required to submit to the RTO office is the Form 29. The form serves as a document of ownership transfer of a bike and a notification of sale of your two-wheeler to the RTO. You are required to submit two copies for the same in the RTO office.

3. Duly Filled Form 30

Yet another document that you are required to submit during the ownership transfer for your two-wheeler is the duly filled Form 30. This form is the confirmation of the previous form. It functions as the official record document for the transfer of ownership, indicating that someone else has officially received the two-wheeler. You must submit two copies of the Form 30 to the RTO office.

4. Insurance Certificate

An insurance certificate is another vital document you require for transferring the ownership of the bike. As per the Motor Vehicles Act, it is mandatory to have valid insurance for your vehicle. You need the Insurance Certificate to register your vehicle with the RTO. Collect it from your seller to complete the bike transfer process. Do remember to renew your insurance policy on its expiry.

5. Pollution Under Control Certificate

When purchasing a second-hand motorbike, obtaining a Pollution Under Control Certificate is essential. It is also important for estimating the vehicle’s value. Remember to check for the serial number of the certificate and license plate number, test the readings done and confirm the expiry date of the certificate.

6. Transfer Deed

The transfer deed of the vehicle is a must to confirm the ownership of the bike to the new owner. It guarantees that the first owner has no rights and liabilities related to the bike. The transfer deed contains the names and addresses of both the buyer and the seller, along with all the pertinent bike details, including the registration number, chassis number, engine number and more. The deed requires signatures from both the buyer and the seller, and it necessitates the affixation of a revenue stamp.

7. Other Important Documents

Other documents for bike paper transfer include identity proof of the buyer and the seller, address proof and two passport-sized photographs.

Conclusion

This blog compiles the necessary documents for transferring a bike from one owner to the new owner. If you’re buying a second-hand bike, this blog is a helpful reference for bike paper transfer. Additionally, as a bike owner, it’s essential to ensure you have proper bike insurance coverage.

How to Transfer Your Bike Registration Transfer?

Are you contemplating the purchase of a used or second-hand bike?

If so, you’ll need to complete the bike registration transfer process.

The owner’s demise or the bike’s auction may also necessitate this transfer. It’s essential to consider bike registration transfer for in-state sales, inter-state transfers and sales. Additionally, when acquiring a bike, including pre-owned ones, ensure adequate bike insurance coverage.

Steps to Transfer Your Bike Registration

To facilitate a smooth ownership transition, transferring your bike’s registration entails crucial steps. Let us comprehend these steps through two distinct scenarios:

Within the State:

Step 1 - Application Form

It is the seller who needs to fill out an application for ownership transfer.

Step 2 - Document Transfer

The seller has to hand over all the necessary documents to the buyer. Both the buyer and seller need to provide some additional documents to complete the transfer. There is a fee involved here to wrap up the process.

Online Bike Registration Transfer (Within the Same State)

Some places offer the convenience of transferring bike registration online. For example, in Delhi, you can use the ‘Parivahan’ online portal to start the process. Here is what you do:

• Go to the online ‘Parivahan’ portal.
• You will need to fill out an application form.
• Submit your documents.
• Pay the fees.

Bike transfer charges include ownership transfer RTO fees, which vary between Rs 30 to Rs 35 depending on the state involved and smart card fees (if applicable) of around Rs 200 to the RTO.

Between States:

When transferring the bike from one state to another:

Step 1 – Bank’s NOC (For Bikes Bought on Loan)

If the seller purchased the bike on loan, the seller needs to get a ‘No Objection Certificate’ (NOC) from the lender to transfer it across states. So, if you are a seller, contact your bank and give them the necessary documents to get this NOC.

Step 2 - NOC from the RTO of Initial Registration

The seller needs to get an NOC from his Regional Transport Office (RTO). This process requires documents such as chassis details and a bank NOC (No Objection Certificate).

Step 3 - Registration in the New State

Contact the local RTO in your new state with all the necessary documents. If you are selling your bike to someone in the new state, make sure the buyer's name is updated on the documents before you submit them.

Once you submit all the necessary documents, the authorities will complete the bike’s registration transfer within a few days, and you will receive a new certificate with the updated information. Note that this process is not required if you temporarily travel to a different state for up to 12 months.

Step 4- Road Tax

Road tax varies from state to state, and you must pay it again in your new state. If you have already paid a lifetime road tax in your initial state, you can get a refund for that payment.

You can also transfer the RC online in case of transfer of a bike from one state to another using the online portal ‘Parivahan Sewa.’

Bike transfer charges include ownership transfer RTO fees, which vary between Rs 30 to Rs 35 depending on the state involved and smart card fees (if applicable) of around Rs 200 to the RTO.

Conclusion

The transfer of bike registration is simple. We have discussed the steps you need to follow to transfer bike RC both within and outside the state. We have also shared bike transfer charges. Another point to remember while purchasing a bike is to invest in bike insurance.

Have you ever wondered about the two wheeler third party insurance benefits? Driving without this compulsory motor insurance can result in legal fines. Additionally, the benefits of third-party bike insurance include providing security and peace of mind, and knowing that financial assistance is available if your vehicle is involved in any accident or sustains damage.

Benefits of Third-party Bike Insurance:

Third-party bike insurance is a crucial coverage against third-party liabilities.

Here is a quick look into third-party insurance for two wheeler benefits:

• Affordable Policy: Third-party insurance comes with highly affordable premiums, so every vehicle owner can afford it. It covers third parties and all types of risks. The IRDAI determines the premium on a cubic-volume basis. People who own a bike have to buy third-party insurance.
• Avoid penalties: One of the third-party bike insurance benefits is avoiding legal complications. Failure to take out this policy can result in traffic fines.
• Protection: 3rd party bike insurance benefits are designed to protect you against various risks, including medical costs associated with injury. Additionally, if an accident leads to the death of a third party, the insurance cover will protect you from any legal cases and help provide financial support to the family of the deceased person.

Conclusion

The benefits of third-party bike insurance are undeniable. This is more than just paperwork—it’s your financial bodyguard on wheels. You may also purchase your third-party motorcycle insurance online to cover various types of risks

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. 

Also Read:

• Third Party Bike Insurance Policy
• Is Third-Party Bike Insurance Enough for Two-Wheelers?
• What is Third-Party Insurance for Bikes in India?
• Importance of Third Party Insurance
• Mandatory or Optional? Understanding Third-Party Insurance Requirements

In specific scenarios, such as when purchasing a second-hand bike, it’s crucial to verify the accuracy of ownership details using the bike’s number plate. Understanding how to check bike owner details by number plate is essential in these cases.

How to Check Bike Details by Number Plate Through Parivahan Website?

You can check bike details by number plate online through the Parivahan website. Simply visit the VAHAN e-services portal or use vehicle registration number search services. Here’s how to check bike details from registration number:

• Step 1: Go to https://parivahan.gov.in/parivahan/ i.e. the  Parivahan website.
• Step 2: Select “Informational Services”. Next, in the drop-down list, you will see an option “Know Your Vehicle Details”. Select it.
  An alternative is to go to the Vahan search page which you can easily locate on the Parivahan website.
• Step 3: In order to proceed, you must first register an account, for which your phone number and email address are needed. In case you already have an account, simply log in.
• Step 4: Once you are logged in, you need to provide the vehicle number on the next page. Enter the captcha code correctly. Then, click on “Vahan Search”.

A page will appear displaying the details of the two-wheeler owner or the bike details from number plate. You can also download the mParivahan app and follow the same steps to find the bike owner’s name by number plate.

How to Check Bike Details by Number Plate Through SMS?

Now that you know how to check the bike owner’s name by number plate, did you know there’s another simpler method? You can find the bike owner’s name by bike number using SMS.

Follow the steps below to understand how to find bike owner details by number plate using SMS:

• Go to your phone’s messaging app.
• Type this message: ‘VAHAN (vehicle registration number)’ 
• This message needs to be sent to the number 7738299899.
• Once the message is sent, the details of the bike owner will be sent to your mobile number.

Conclusion

It is useful to understand how to check bike details with number plate. You can conveniently verify bike owner details with Vahan online website or by downloading the Parivahan app. Additionally, you can check bike details using SMS by simply entering the vehicle number. As a responsible two-wheeler owner, prioritising investment in two-wheeler insurance is essential. This insurance provides comprehensive coverage against a range of risks that could otherwise lead to financial burden.

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. 

Also Read:

• Road Safety Tips For Bike Owners
• Is Two-Wheeler Insurance Mandatory For 5 Years?
• How to Get Fancy Registration Numbers for Car and Bike?
• Benefits of Buying Two Wheeler Insurance
• How to Buy Two Wheeler Insurance Online?

Choosing the right insurance plan for your bike is important for safeguarding your investment and ensuring peace of mind while riding. With numerous policies available, understanding what matters most can make a significant difference.

Read on to understand how to choose two-wheeler insurance.

Tips to Choose the Right Bike Insurance Policy

When choosing two-wheeler insurance, it’s crucial to evaluate several factors that influence both coverage and cost. Here are some useful tips on how to choose 2-wheeler insurance:

• Assess Your Coverage Needs

  The first step in selecting bike insurance is understanding the type of coverage you need. Choose between acquiring fully comprehensive insurance, which covers theft, natural disasters, and accidents, or working with third-party liability insurance, which is mandatory.

• Check the Premium and understand IDV

  The premium and the Insured’s Declared Value (IDV) are two critical factors that determine an individual’s decision to choose an insurance plan. Premium is the consideration that a policyholder pays for the policy. At the same time, IDV is the maximum figure an insurer promises to cover in the event of total bike loss or theft. Check that the premium falls within your budget and the IDV is proportional to the bike’s value.

• Identify the Policy Terms And Conditions

  It is essential to read the policy to understand what is covered, what is not, and the general procedure for making a claim. Familiarising yourself with exclusions, inclusions, and claim procedures helps avoid surprises and ensures you have adequate protection.

• Evaluate Add-On Covers

  You can opt for various forms of add-ons to complement your primary policy. Some well-known add-ons are Zero Depreciation, Engine Protect, Traffic Towing and Rescue, and Personal Accident.

• Compare Different Insurers

  Another critical aspect of understanding how to choose 2-wheeler insurance is comparing policies from different insurance companies. Select insurers with a strong reputation, positive customer feedback, and high claims-paid ratios.

• Verify the Claim Settlement Process

  The method of claim settlement is crucial in choosing the best bicycle insurance. Look for insurers that have simple and straightforward procedures for filing a claim. Minimising the time taken to process claims is an essential factor during emergencies.

• Check the No Claim Bonus (NCB)

  Another option is a no-claim bonus, where one’s premium for the next year would be reduced for every year you made no claims. When evaluating the criteria for choosing insurance for two-wheelers, consider policies offering a considerable NCB to decrease the premium.

• Look up Customer Service Reviews

  Prompt customer service and positive customer reviews are good determinants if you’re confused about how to choose bike insurance. Consult online forums and expert advice before making your decision.

• Consider Legal Requirements

  Make sure the policy conforms to your state’s legal standards. Meeting these needs is crucial when selecting the appropriate two-wheel insurance policy.

Conclusion

It is vital to understand how to select bike insurance that benefits you by providing extensive protection and access to quality service. Coordinate with road safety requirements and find the optimal policy that affords peace of mind whilst suiting your budget.

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. 

Also Read:

• Are Bike Insurance Add-Ons Worth Buying?
• Benefits of Buying Two Wheeler Insurance
• Bike Insurance Types in India
• Comprehensive vs Third Party Bike Insurance: Which is Better?
• How to Buy Two Wheeler Insurance Online?

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

Meaning of Cubic Capacity (CC) in bikes

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

What Is the Importance of CC in a Bike?

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

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

How Do You Calculate the CC of Your Bike?

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

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

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

Two-wheelers are the high-demand vehicle on Indian roads. Bikes are convenient on the streets if you live in a town, city, or hill station. The engine is said to be the heart of a two-wheeler, and the battery complements it. Also, it provides energy to the bike. The right battery choice is essential for performance and longevity. In this blog, we will offer tips to assist you in selecting the best two-wheeler battery for your bike.

Tips to Buy Two-Wheeler Battery

The bike’s performance is significantly influenced by its battery, underscoring the importance of selecting the correct two-wheeler battery. Choosing the right battery can be challenging, given the available sizes, capacities and voltages. Nevertheless, lead-acid batteries have proven reliable over the years. In this guide, I will share tips to help you make an informed decision when purchasing the best two-wheeler battery for your bike.

1. Check the specifications of your bikes.

Before buying the battery, checking your bike specifications is essential. Because it helps buy the correct capacity, voltage and size of the battery. The manufacturer’s website or brochure can provide this information. Only buy a battery after checking the bike’s specifications.

2. Consider the capacity of the battery.

The capacity of the battery refers to the energy it stores. If you use a bike frequently, you need a higher-capacity battery. While using a bike occasionally, a low-capacity battery is good for you.

3. Look for a reputable brand.

When you buy anything from daily need items to long-lasting items, checking its quality matters. While in durable items, checking out brands plays an important role. It defines the quality, durability and performance of the product.

4. Consider the warranty of the battery.

Checking the warranty is a crucial step before purchasing a battery. A warranty assures that any defaults or faults in the battery will be covered for one or two years. This means you won’t have to spend extra money on repairs during the warranty period.

5. Check the age.

It’s crucial to check the age of a lead battery as its lifespan is relatively short. When purchasing a battery, look for the manufacturing date. Batteries over one-year-old tend to underperform, and nobody wants a battery that doesn’t meet expectations. In such cases, replacement becomes necessary sooner rather than later.

Conclusion

It is crucial to select the appropriate battery for your bike, as it directly impacts performance and longevity. When purchasing, consider factors such as battery type, capacity, brand reputation and warranty. Confirm compatibility with your bike and prioritise high-performance batteries based on usage. For occasional use, opt for a low-performance battery; for frequent use, choose a high-performance option. Additionally, securing bike insurance is advisable to protect yourself from potential risks.

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.  

Related Articles:

• Can I Claim Insurance For Bike Scratches?
• How To Repair Dent In Your Bike - ICICI Lombard
• Is Personal Accident Cover Mandatory For Bike Insurance?
• Learn How to Ride a Bike in 5 Easy Steps - Beginner's Guide
• Make Your Bike Smart & Eco-Friendly with These Hacks

Nowadays, owning a bike is essential, providing freedom, convenience and adventure. However, the cost of a bike can be significant, making it challenging to pay a lump sum. Fortunately, there is a solution: buying a bike on EMI. Depending on the provider, the EMI is paid monthly, ranging from 12 to 48 months. This blog will guide you on how to buy a bike on EMI.

Steps to Buy a Two-Wheeler on EMI

Embarking on the journey to own a two-wheeler can be exciting and challenging. This guide will provide valuable insights and tips for a seamless and financially sound experience, whether you’re a first-time buyer or looking to upgrade. Understanding the EMI process is vital to realising your biking aspirations.

• Check Eligibility

Once you decide which bike to buy, you can check the bike loan eligibility on EMI. Additionally, you will need the document to enter the eligibility criteria. The document such as:

1. Self-Employed

• Two passport-size photos.
• ID card: Passport /Driver’s Licence/PAN Card/Aadhaar Card/ Voter’s ID
• Address proof: Passport/Aadhaar Card/Utility Bill/ Bank Account Statement/ Driver’s Licence
• Income Tax return latest
• The last 3 months’ bank statement is necessary.

2. Salaried Person

A salary slip or Form 16 is an additional document, apart from the common document required for both salary and self-employed individuals.

• Calculate EMI

Once you check the eligibility, the second step is calculating the EMI amount on the ICICI website. The amount that to pay monthly.

• Apply For A Loan Online

While applying for a loan online, you must fill in basic and personal details. After that, you will visit the approval page, where you can see whether the loan is approved.

Conclusion

Getting a two-wheeler loan on EMI is a good financial plan for you. It helps in acquiring vehicles early. However, it’s essential to consider repayment terms, interest rates and your financial condition to repay the amounts on time. If you don’t pay EMI on time, you must pay late fees or penalty. It directly impacts your credit score, which could be better. Additionally, having bike insurance on a two-wheeler is necessary.

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.  

Related Articles:

• Can I Claim Insurance For Bike Scratches?
• How To Repair Dent In Your Bike - ICICI Lombard
• Is Personal Accident Cover Mandatory For Bike Insurance?
• Learn How to Ride a Bike in 5 Easy Steps - Beginner's Guide
• Make Your Bike Smart & Eco-Friendly with These Hacks

Embarking on the journey to purchase a bike is an exciting endeavour, filled with the promise of new adventures on the open road. Whether you’re a first-time buyer or seeking to upgrade your ride, navigating the process requires a well-informed approach. Crafted to provide essential steps, from thorough research to strategic financing, this comprehensive blog ensures a seamless and rewarding bike-buying experience for enthusiasts at every level.

Two-Wheeler Buying Guide

In the dynamic realm of two-wheeler ownership, making informed decisions is crucial when navigating the path to purchase. This comprehensive guide explores vital considerations, from selecting the right model to understanding documentation and ensuring a satisfying and well-informed buying journey. If you are unsure how to purchase a bike, follow these steps, including:

• Explore Options

Begin your journey by exploring the wide variety of bikes available. Identify your preferences, such as the type of bike (commuter, cruiser, sports, etc.), brand preferences and desired features.

• Online Reviews

Leverage online platforms to peruse reviews and feedback from fellow bike owners.

Acquire insights into the strengths and weaknesses of different models, empowering yourself to make well-informed decisions.

• Determine Affordability

Set a realistic budget for your bike purchase. Consider the upfront cost and additional expenses such as insurance, registration, maintenance and accessories.

• Explore Financing Options

Suppose your budget requires financial assistance, research loan options from banks, credit unions or financing institutions. Compare interest rates, loan terms and eligibility criteria.

• Technical Specifications

Delve into the technical details of the bikes you’re interested in. Understand engine capacity, fuel efficiency, performance features and advanced technologies.

• Fuel Efficiency

Evaluate the fuel efficiency of different models, considering your commuting needs. A fuel-efficient bike can significantly impact your long-term savings.

• Make a Feature List

Create a list of must-have features and preferences. Compare models based on mileage, maintenance costs, available accessories and resale value.

• Consider User Reviews

User reviews provide insights into real-world experiences. Look for patterns in positive and negative feedback to gauge the overall satisfaction of bike owners.

• Visit Showrooms

Go to reputable bike dealerships in your locality. Interact with knowledgeable sales representatives who can guide you through the available models, features and pricing.

• Test Rides

Schedule test rides for the bikes you’re interested in. This hands-on experience will help you assess comfort, handling and overall performance.

• Evaluate Loan Options

If financing is necessary, carefully evaluate loan options. Consider interest rates, tenure, processing fees and any additional charges associated with the loan.

• Check Eligibility

Verify that you satisfy the eligibility criteria for the loan, as factors such as credit score, income stability and current financial commitments play a role in determining loan approval.

Conclusion

Purchasing a bike is a significant decision; a well-planned approach can make the process enjoyable and rewarding. From extensive research and budgeting to engaging with dealers and securing financing, each step plays a crucial role in finding the perfect ride. As you begin this thrilling journey, prioritise the bike’s features and essential aspects, including bike insurance, to ensure a comprehensive and secure biking experience.

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.  

Related Articles:

• Can I Claim Insurance For Bike Scratches?
• How To Repair Dent In Your Bike - ICICI Lombard
• Is Personal Accident Cover Mandatory For Bike Insurance?
• Learn How to Ride a Bike in 5 Easy Steps - Beginner's Guide
• Make Your Bike Smart & Eco-Friendly with These Hacks

When embarking on the journey to own a new bike, prospective buyers often encounter the concept of a down payment. This crucial initial payment significantly influences the overall financial dynamics of the purchase. The initial financial commitment plays a pivotal role in determining the affordability of the bike and shaping the terms of the ensuing loan. This loan option includes the cost of both bike insurance and the registration process. Understanding the nuances of the minimum down payment required for a bike is essential for making informed decisions, especially when considering financing options.

Understanding the Lowest Down Payment Needed to Get a Bike

Here we will tell you about the lowest down payment bike:

• Down Payment Range

The minimum down payment for a bike typically ranges from 15-30% of the two-wheeler’s total value.

• Cost Dependency

The down payment required depends on the total cost of the chosen bike. You should make a larger down payment if the bike has a higher price.

• Repayment Capacity

Individual financial capacity plays a significant role in determining the appropriate down payment. It is advisable to assess one's ability to manage the ensuing Equated Monthly Instalments (EMIs).

• Lower EMIs Benefit

Opting for a reasonable down payment is advantageous, as it often translates to lower EMIs throughout the tenure of the bike loan.

• Income Source Impact

The source of income influences the determination of the required down payment. Lenders may consider stable income sources more favourably.

• Bike Model Consideration

The type and model of the bike also impact the down payment. Different bikes may have varying down payment requirements based on market value and features.

Conclusion

Gaining a comprehensive understanding of the minimum down payment for bikes is vital for individuals navigating the complexities of financing. Striking the right balance between the bike’s cost, personal financial capacity and loan terms ensures a more sustainable and financially prudent bike ownership experience. Throughout this process, aligning the chosen down payment with one’s income source and overall financial strategy is crucial, fostering a smoother and more rewarding ownership journey.

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.  

Related Articles:

• Can I Claim Insurance For Bike Scratches?
• How To Repair Dent In Your Bike - ICICI Lombard
• Is Personal Accident Cover Mandatory For Bike Insurance?
• Learn How to Ride a Bike in 5 Easy Steps - Beginner's Guide
• Make Your Bike Smart & Eco-Friendly with These Hacks

Selling your bike online can be seamless if approached with the right strategy. While various platforms offer opportunities to connect with potential buyers, navigating the process efficiently is essential. This blog provides valuable tips for selling your bike online, ensuring a smooth and rewarding experience. Here, we will tell you how to sell bikes online.

Tips for Selling Bikes Online

In this digital age, numerous platforms offer opportunities for individuals to sell their bikes, attracting potential buyers from various corners. To maximise your success in this online venture, it’s crucial to adhere to a set of tips and guidelines that can enhance your visibility, attract the right buyers and ensure a smooth and secure transaction process. Whether you’re a seasoned seller or a first-time participant, these tips can help you navigate the online bike-selling landscape effectively.

• Get the Paperwork Done

Completing the necessary paperwork is one of the initial and crucial steps in the two-wheeler buying process. It ensures a legal and transparent transaction.

• Ownership Papers

Ensure you have clear ownership papers for the two-wheeler you intend to purchase. It establishes your legal right to own and sell the vehicle.

• Sales Agreement

Draft a comprehensive sales agreement outlining all the sale terms and conditions. This document acts as a legal safeguard, preventing disputes in the future.

• Registration Certificate (RC)

Verify the validity and accuracy of the bike’s RC. The RC serves as proof of registration with the Regional Transport Office (RTO).

• RTO Tax Details

Understand and document the tax details associated with the two-wheeler. Ensure all taxes are up to date for a smooth transfer.

• Test Drive Agreement

If applicable, consider having a test drive agreement before finalising the sale. This agreement can include terms related to the bike's condition during the test.

• No Objection Certificate (NOC)

If the vehicle was purchased on a loan, acquire a No Objection Certificate from the financing institution, certifying their lack of objection to the sale.

• Do Servicing of the Bike

Enhancing the bike’s appeal is essential to attract potential buyers.

Consider the following servicing tips:

• Professional Service

Opt for a professional service to address any maintenance needs. Ensure that the bike is in good condition, both mechanically and aesthetically.

• Document Service History

Maintain a record of the bike’s service history. Presenting it to the buyer serves as evidence of regular maintenance and care.

• Create an Online Listing

Crafting a compelling online listing is crucial for grabbing the attention of potential buyers.

• Detailed Description

Provide accurate and detailed information about the bike, including its make, model, year, mileage and unique features. Be transparent about the condition and any modifications.

• Highlight Maintenance

Emphasise any recent servicing or maintenance work done on the bike. It showcases the bike’s reliability and care.

• Quality Images

Capture high-quality and clear images of the bike from various angles. Showcase both the overall look and specific features. Good pictures significantly impact the buyer's interest.

• Transfer Bike Documents

Ensuring a smooth ownership transition involves assisting the buyer with the necessary paperwork.

• Guidance through the Transfer Process

Guide the buyer through the process of transferring all necessary documents legally. It includes filling out the required forms at the RTO.

• Legal Formalities

Ensure that all legal formalities related to the transfer of ownership are completed correctly. It includes submitting the required documents to the RTO.

Setting a reasonable price for your two-wheeler is essential for attracting potential buyers. Consider the following:

• Research Fair Market Value

Conduct comprehensive research to ascertain your bike’s fair market value, considering factors like brand reputation, model popularity, year, condition and mileage.

• Competitive Pricing

Set a competitive yet reasonable price for your bike. It increases the chances of attracting potential buyers who perceive the value of your offering.

Conclusion

Navigating buying or selling a two-wheeler demands meticulous preparation, transparent documentation and effective communication. By following these steps, you can confidently engage in a gratifying and legally sound transaction. Additionally, when acquiring a bike, remember to consider bike insurance, as it provides peace of mind by safeguarding your bike from various potential issues.

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

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• Can I Claim Insurance For Bike Scratches?
• How To Repair Dent In Your Bike - ICICI Lombard
• Is Personal Accident Cover Mandatory For Bike Insurance?
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• Make Your Bike Smart & Eco-Friendly with These Hacks

When unforeseen circumstances necessitate the scrapping of your cherished bike, navigating the cancelling its Registration Certificate (RC) process becomes imperative. This blog will explain how to cancel your bike’s RC online. It offers insights into the implications for your bike insurance. In the face of unexpected situations, comprehending these procedures ensures a well-informed and efficient resolution to the complexities of bidding farewell to your beloved two-wheeler.

Steps to Cancel RC of Bike

To initiate the process of cancelling your bike’s Registration Certificate (RC), follow these comprehensive steps:

• Gather Essential Information:

 First, you must obtain the chassis number from your dealer. Choose a recognised and certified scrap dealer.

• Affidavit for Scrapping:

You should secure an affidavit confirming the scrapping of your bike.

• Inform the RTO:

Notify the Regional Transport Office (RTO) where your bike was registered about the scrapping.

• Provide Supporting Documents:

Submit the original RC of your bike. Include the cut-out part with your bike’s chassis number. Furnish the affidavit affirming the scrapping. Present your bike insurance policy. Include your bike’s Pollution under Control (PUC) certificate.

• Verification Process:

The RTO will verify the provided documents, and you may obtain a police clearance certificate. RC Cancellation and Non-Utilisation Certificate:

After verification, the RTO will cancel your bike’s RC. You will receive a non-utilisation certificate for your vehicle.

Conclusion

Cancelling your bike’s RC after scrapping is a legal obligation and a practical step to prevent misuse. It ensures a smooth transition and helps avoid legal complexities. Additionally, purchasing bike insurance for a new bike is advised. You can also use an insurance calculator to obtain quotes tailored to your requirements. Safeguard your biking journey by staying informed and proactive in managing these essential processes.

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.  

Related Articles:

• Can I Claim Insurance For Bike Scratches?
• How To Repair Dent In Your Bike - ICICI Lombard
• Is Personal Accident Cover Mandatory For Bike Insurance?
• Learn How to Ride a Bike in 5 Easy Steps - Beginner's Guide
• Make Your Bike Smart & Eco-Friendly with These Hacks

Getting essential documents like your bike’s Registration Certificate (RC) meant a trip to the office and waiting in long queues. Yet, thanks to the internet, this bike has become less complex and more helpful. This blog directs you through the clear steps for downloading your bike’s RC online, making it hassle-free and open to everybody.

Steps to Download Your Bike’s RC Online

Here are a few essential steps for a two-wheeler RC book download:

1. Visit the Right Website:

Start by visiting your Regional Transport Office (RTO) or Ministry of Road Transport and Highways website, depending on your region. Look for the section specifically dedicated to helping with vehicle-related services.

2. Register or Log In:

You must register with basic information if you’re new to the website. Connect if you have an account. Fill in your bike’s registration number and personal information accurately.

3. Select the Service:

Once logged in, select ‘Download RC’ or ‘Get RC Online.’ They might ask for additional details, such as your bike’s chassis and engine numbers, so keep those handy.

4. Verify and Pay:

After verifying your information, the website will prompt you to pay for the service if everything checks out. Be prepared for varying fees in different regions for this service.

5. Download Your RC:

After a successful payment, the website will send you a confirmation message or email containing a link to the bike RC book download. Remember, this digital copy holds the same legal validity as the physical RC book. Make sure to download and save the document securely.

6. Keep it Safe:

You can print the downloaded RC or save it securely on your computer or smartphone. It’s crucial to have it accessible whenever needed, especially during traffic checks or for bike insurance purposes.

Conclusion

The digital era has made obtaining your bike’s Registration Certificate hassle-free. By following these simple steps on the official government portals, bike owners can easily download their RC without physically visiting the office. Possessing a valid RC is crucial for legal compliance and availing bike insurance and other vehicle-related services.

Ensure compliance with local regulations and keep your bike’s RC readily accessible for smooth and trouble-free rides. By following these simple steps, you can acquire your bike’s RC without any inconvenience and save the time that would have been spent standing in queues at the office.

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.

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• Is Personal Accident Cover Mandatory For Bike Insurance?
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• Make Your Bike Smart & Eco-Friendly with These Hacks

In vehicle ownership, the Bike NOC (No Objection Certificate) holds a significant place, safeguarding against potential hurdles in the smooth transfer or re-registration of a two-wheeler. This essential document ensures compliance with legalities and financial obligations associated with bike ownership. Let’s understand what bike NOC is.

Meaning of Bike NOC

In the context of bikes, a No Objection Certificate (NOC) is a document that confirms the absence of pending dues on the vehicle, particularly concerning taxes. It affirms that the bike has not engaged in any unlawful activities. The RTO where the bike is registered issues this certificate. Obtaining a Bike NOC is crucial to transferring bike ownership between states. It is a vital assurance that the bike is legally clean, ensuring a seamless transfer and preventing legal entanglements for both the buyer and seller.

Reasons for Requiring Bike NOC

There are primarily two scenarios where acquiring a Bike NOC becomes imperative:

1. Inter-State Bike Transfer:

When an individual relocates to another state and intends to take their bike along, re-registering it in the new state is necessary. To do so, the owner must obtain an NOC from the RTO where the bike was initially registered. This NOC is then submitted to the RTO in the new state, facilitating the re-registration process without legal complications.

2. Selling or Buying a Bike:

Obtaining a Bike NOC for a seller signifies transferring the bike to the buyer without any pending liabilities or legal issues. Conversely, for a buyer, insisting on an NOC during a bike purchase ensures the legality of the transaction and assures that the bike is free from any encumbrances.

3. Importance of Bike NOC:

The Bike NOC is a crucial document for verifying the bike’s legitimacy. It guarantees a seamless transfer of ownership, averts potential disputes and protects both the buyer and the seller against possible legal complications from the bike’s history.

4. Bike Insurance and NOC:

While Bike NOC primarily focuses on verifying the bike’s legal status, it’s crucial to note that having valid bike insurance is a separate yet equally critical aspect of bike ownership. Bike insurance covers damages, theft and third-party liabilities, offering financial protection in unforeseen circumstances. However, Bike NOC deals explicitly with the legal status and history of the vehicle.

Conclusion

A Bike NOC is an essential document verifying a bike’s clean history without financial liabilities or illegal involvements. It plays a crucial role in facilitating smooth ownership transfer or re-registration processes. Complementing the significance of bike insurance, the NOC ensures a hassle-free transition of ownership or relocation, offering peace of mind to both buyers and sellers. Understanding the importance of this certificate underscores responsible ownership and adherence to legal mandates in the domain of bike ownership.

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

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• Can I Claim Insurance For Bike Scratches?
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• Make Your Bike Smart & Eco-Friendly with These Hacks

The No Objection Certificate (NOC) holds significant importance in vehicular documentation. When it comes to bikes, obtaining an NOC is crucial, especially if you plan to relocate or sell your vehicle across state borders. Traditionally, acquiring an NOC for your bike involved a tedious offline process.

However, with the advent of digitalisation, obtaining an NOC certificate for bikes online has become more convenient than ever. This blog aims to guide bike owners through the steps required to acquire an NOC for their bikes online.

Steps to Apply for NOC for Bike Online

Online platforms make getting a No Objection Certificate (NOC) for your bike easier than ever. You can skip the paperwork and queues by following simple steps online.

1. Understanding the NOC: Before delving into the application process, it’s vital to comprehend the purpose of an NOC for your bike. Essentially, a NOC serves as a document that affirms no pending dues or obligations against your vehicle, ensuring a smooth transfer of ownership or relocation without legal hindrances.
2. Gather Necessary Information: To initiate the online NOC for the bike application process, gather essential documents such as bike registration papers, insurance details, identification proof, address proof and any other relevant paperwork mandated by your local transport authority.
3. Selecting the Online Portal: Various regional transport department websites or designated online platforms facilitate the application for a NOC. Choose the official website corresponding to your state or region, ensuring its legitimacy.
4. Create an Account/Login: Most online portals require users to create an account or log in using their credentials. If you are a new user, follow the prompts to create an account, or if you are an existing user, log in using your current details.
5. Fill in Required Details: Complete the application form with accurate and updated information. This typically includes personal details, bike information, bike insurance details and reasons for requesting the NOC.
6. Upload Necessary Documents: Scan and upload all the required documents in the prescribed formats. Ensure that the documents are clear and legible to avoid any processing delays.
7. Payment of Fees: Depending on your region, fees might be associated with obtaining the NOC. Make the payment using the available online payment methods specified on the portal.
8. Verification and Processing: Upon receiving your application and documents, the transport authority will review them. Verification may include physically inspecting the bike, or they can conduct it digitally.
9. Download the NOC: Once the application is approved, you will receive a notification for bike NOC online download from the online portal.

Conclusion

The evolution of technology has significantly simplified and expedited bureaucratic processes such as obtaining a NOC for bikes. Embracing online platforms for NOC applications saves time and reduces the hassle associated with manual paperwork and visits to government offices. Bike owners can now navigate the NOC acquisition process from the comfort of their homes or offices, streamlining the procedure. Having bike insurance ensures peace of mind by providing coverage during ownership transfer and addressing unforeseen incidents.

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.  

Related Articles:

• Can I Claim Insurance For Bike Scratches?
• How To Repair Dent In Your Bike - ICICI Lombard
• Is Personal Accident Cover Mandatory For Bike Insurance?
• Learn How to Ride a Bike in 5 Easy Steps - Beginner's Guide
• Make Your Bike Smart & Eco-Friendly with These Hacks

Embarking on the thrilling journey of purchasing a bike involves more than just selecting the model and colour. The key to a seamless bike purchase lies in meticulous attention to documentation. Whether you’re a first-time buyer or planning an upgrade, understanding the necessary paperwork is essential. Beyond the joy of acquiring a new ride, safeguarding your investment through bike insurance is paramount. This blog will delve into the crucial documents required for buying a two-wheeler, ensuring you’re well-prepared for the road and the paperwork ahead.

List of documents required for buying a two-wheeler

Here is the list of all the documents required to buy a bike, including:

• Attested ID Proof

An attested copy of the buyer’s ID proof is a fundamental requirement. It could include documents such as a Passport, Aadhar Card, PAN Card or Driving Licence.

• Residence Proof

Providing an attested copy of proof of residence is essential. Common documents include utility bills, rental agreements or official government-issued documents like a Passport or Voter ID.

• Passport Size Photos

For the purchase process, the buyer needs to provide recent passport-size photographs. Typically, the method may require two to four photographs.

• Income Proof (if financed)

Buyers must frequently submit income proof, including salary slips, income tax returns or other documents verifying their financial capacity if purchasing the two-wheeler through a loan.

• Original ID and Address Proof

The original copies of both ID and address proofs are often necessary. It ensures the documents’ authenticity and verifies the buyer’s identity and residence.

• Photograph for Vehicle Registration

The vehicle registration process explicitly requires a passport-size photograph, which is associated with the registration details of the two-wheeler.

• ID Proof for Vehicle Registration

At the time of vehicle registration, an attested copy of an ID proof, such as a Driving Licence or PAN Card, is crucial. It is to link the buyer’s identity with the registered vehicle.

• Proof of Permanent Residence for Vehicle Registration

The process necessitates attested copies of proof of permanent residence for vehicle registration. This could encompass documents such as a Passport, Voter ID or a copy of an LIC policy.

• Alternative Documents for Vehicle Registration

If the buyer lacks the primary documents, alternative proofs of residence are accepted. These may include electricity bills, phone bills (BSNL Landline), ration cards, house tax receipts from the corporation or Index II.

• Additional Documents for Purchasing Outside Residence

Purchasing the two-wheeler in a city other than their residence requires the buyer to provide additional documents. These may include a copy of the registered rent agreement, the landlord’s electricity bill, a letter from the employer or a bonafide certificate from the college.

• Documents for Two-Wheeler Purchase on EMI (Salaried Individuals)
  • Proof of Identity: Aadhar Card/PAN Card/Passport/Driving Licence/Voter ID.
  • Proof of Address: Driving Licence/Passport/Voter ID/Aadhar Card/Utility Bill/Bank statement.
  • Income Proof: Last 3 months’ bank statements, salary slips or Form 16.
• Documents for Two-Wheeler Purchase on EMI (Self-Employed Individuals)
  • Proof of Identity: Aadhar Card, PAN Card, Passport, Driving Licence and Voter ID.
  • Proof of Address: Driving Licence, Passport, Voter ID, Aadhar Card, Utility Bill and Bank Statement.
  • Income Proof: Income Tax Return (ITR) and last 3 months’ bank statements.
• Documents Needed to Purchase a Bike from Dealership
  • Identity Proof: PAN Card, Driver’s Licence, Voter ID or Aadhar Card.
  • Address Proof: Rental Agreement, Passport, Aadhar Card, Voter ID and Utility Bills.
  • Nationality Proof: Voter ID and Passport.

Things to do before buying a vehicle in India

Before investing in a vehicle, here are the key things to do:

• Gather the required documents:

Before heading to the dealership, make sure you have all the necessary documents ready. For two-wheelers, these typically include a valid photo ID proof (like Aadhaar card or passport), address proof, PAN card and passport-sized photographs. If you're opting for a vehicle loan, income proof and bank statements may also be required.

• Decide on the type of insurance:

Motor insurance is mandatory in India, and choosing the right coverage is vital. There are two main types—third party insurance, which covers liability for damages to others and comprehensive insurance, which covers both third-party liabilities and your own vehicle’s damages. If you're looking for a hassle-free process, consider purchasing your two wheeler insurance online. It not only saves time but also allows you to compare plans and choose the best coverage at competitive rates.

• Understand the registration process:

Every new vehicle must be registered with the Regional Transport Office (RTO). While dealers often assist with this, ensure you receive the Registration Certificate (RC), as it serves as legal proof of ownership.

• Check for add-on services and warranties:

Ask your dealer about extended warranties, service packages and free maintenance services. These can significantly reduce long-term maintenance costs.

• Plan for accessories and safety gear:

If you are buying a two-wheeler, invest in ISI-certified helmets and consider additional accessories such as anti-theft devices. Not only do these enhance safety, but some insurers also offer discounts for safety installations.

Conclusion

Understanding the essential documents required for purchasing a bike, including bike insurance-related ones, is crucial for a seamless and well-informed buying process. By being diligent in gathering the necessary paperwork, you ensure compliance with legal requirements, safeguard your investment and set the stage for a worry-free biking experience. Remember, adequate documentation, especially in bike insurance, is the key to a secure and enjoyable two-wheel journey.

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.

When navigating the bustling roads of India on your two-wheeler, ensuring a safe and legal ride requires more than just a helmet and a tank full of fuel. Understanding the essential documents needed for a hassle-free journey is paramount. Whether manoeuvring through city traffic or embarking on a long-distance adventure, having the proper paperwork isn’t just prudent; it’s legally mandatory. This blog is a comprehensive guide to the necessary documents for a seamless bike ride, ensuring compliance with the Motor Vehicles Act 1988. Here, we will tell you about documents to carry while driving a two-wheeler.

Documents to Carry While Driving Bike

Before heading out for a ride, make sure to have the following mandatory documents to carry while driving a bike:

• Bike Registration Certificate (RC)

The Regional Transport Office (RTO) registers your bike, proving its registration with details such as the registration number, make, model, and owner information contained in the RC.

• Driving Licence (DL)

A valid DL is legally required to ride a two-wheeler on public roads. It specifies the type of bike the holder is authorised to ride, whether with or without gear. Carrying your DL is mandatory, and digital copies via government apps like DigiLocker are acceptable.

• Two-Wheeler Insurance Policy

A bike insurance policy is compulsory for riding on public roads. If opted for, it serves as proof of insurance coverage, including Third Party and Own Damage. The policy includes the registration number, insurance company, coverage type, policy tenure, and limits.

• Pollution Under Control Certificate (PUCC)

The PUCC is an emission certificate indicating that your bike's pollution levels are within permissible limits. It includes the bike's registration number and is essential for legal riding on Indian roads.

• Bike Fitness Certificate

A fitness certificate is necessary for bikes older than 15 years for continued road legality. Renewal of the fitness certificate is required every two years.

• Medical Certificate (if applicable)

Riders above 50 may need to produce a medical certificate certifying their fitness to ride a two-wheeler. It ensures that they are physically capable of handling the vehicle safely.

Apart from the necessary documents, it would be best to consider following basic traffic rules while riding. Adhering to traffic rules is crucial for your safety and the safety of others on the road:

• Helmet Usage

Always wear a helmet, and ensure any pillion rider does the same.

• Document Compliance

If necessary, bring essential documents such as a Driver’s License (DL), Registration Certificate (RC), Insurance Policy, Pollution under Control Certificate (PUCC) and Medical or Fitness Certificate.

• Lane Discipline

Keep to the left on a two-way road, maintain lane discipline and follow road signs diligently.

• Speed Control

Slow down at intersections, junctions, corners and pedestrian crossings and always obey speed limits.

• Signalling

Use hand signals and turn indicators to communicate your intentions to other road users.

• Vehicle Maintenance

Ensure your bike’s registration number is visible, and follow proper vehicle maintenance for roadworthiness.

• Horn Usage

Use the horn sparingly and avoid unnecessary honking.

• Overtaking and Parking

Do not overtake unsafely, and avoid parking near junctions, on flyovers, bridges or footpaths.

• Importance of Two-Wheeler Insurance

Beyond legal requirements, two-wheeler insurance provides financial protection and peace of mind:

• Financial Safeguard

Insurance coverage offers financial assistance for repairs and liabilities in case of breakdowns or accidents.

• Mandatory Document

Bike insurance is mandatory; carrying it while riding ensures compliance with legal requirements.

• Comprehensive Protection

Insurance covers theft, damages due to natural or manmade calamities and third-party liabilities.

• Easy Purchase

New-age insurance companies offer hassle-free online processes for purchasing and renewing bike insurance.

Conclusion

Riding a bike in India demands a thorough understanding of mandatory documents and traffic rules. Compliance ensures legal adherence and creates a safer and more responsible road environment. From essential documents to basic traffic etiquette, being a responsible rider is not just a legal obligation but a commitment to personal safety and the well-being of fellow road users.

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.  

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• Make Your Bike Smart & Eco-Friendly with These Hacks

Losing your bike insurance papers can be problematic, considering these documents’ importance in ensuring a secure and legal riding experience. In today’s fast-paced world, where reliance on technology is high, misplacing essential documents is common. However, there are steps you can take to retrieve or replace your lost bike insurance papers, ensuring you stay compliant with the law and safeguard your two-wheeler. Here, we will explore those steps to help you recover your missing bike insurance documents.

Steps to Find Your Lost Bike Insurance Documents

Most people say, ‘I lost my bike insurance papers,’ but what must they do afterwards? If you lost your bike insurance documents, you must follow the necessary steps to obtain a duplicate copy from the insurer. Here are the steps to find your lost bike insurance documents:

1. Inform Your Insurer:

Losing your bike insurance documents can be stressful, but the first step toward resolution is contacting your insurance company promptly. Most insurance providers offer a toll-free number for such scenarios, providing an immediate avenue for reporting the loss. You also have the option to visit the nearest branch office to discuss the situation.

2. Provide Necessary Information

When informing your insurer about the loss, it’s crucial to provide all relevant details that can aid in the verification process. It includes your policy number, bike registration number and any additional information requested by the insurer. By furnishing these details, you assist in confirming your identity and policy particulars.

3. Initiate Duplicate Copy Process

Upon notifying your insurer, they will issue a duplicate copy of your bike insurance policy. It involves a series of steps, including some paperwork and verification procedures. The purpose is to ensure the request’s legitimacy and safeguard against fraudulent claims.

4. Visit the Nearest Branch Office

For those who prefer face-to-face interactions, visiting the nearest branch office of your insurance company is a viable option. The staff at the branch will guide you through the necessary steps to obtain a duplicate copy of your policy. This personal approach can provide clarity and assurance throughout the process.

5. Utilise Online Platforms

In the age of digital convenience, many insurance companies offer online services for seamless transactions. Policyholders can request duplicate documents from insurers’ official websites or mobile apps. Checking your insurer’s online portal for such options can expedite the process and enhance overall convenience.

6. Follow the Document Verification Process

To ensure the request for a duplicate copy is legitimate, be prepared to undergo a document verification process. It may involve providing additional proof of identity and ownership.

Ensuring the integrity of the insurance process and preventing misuse makes this step crucial.

7. Verify Details in Duplicate Copy

Once the duplicate copy is issued, take the time to review all the details carefully. It’s essential to ensure that the duplicate document accurately reflects the information from the original policy. Any discrepancies or errors should be reported to the insurer promptly for correction.

8. Store Securely

Upon receiving the duplicate copy of your bike insurance policy, it’s imperative to store it securely. Designate a specific and easily accessible place for essential documents, and consider creating digital backups for added convenience. This proactive approach ensures that you have ready access to your insurance documents whenever needed.

Conclusion

Losing your bike insurance papers doesn’t have to be a significant setback. Promptly inform your insurer and follow the procedures to obtain a duplicate policy copy. It ensures you enjoy a safe and legally compliant riding experience. Staying informed about the process and promptly addressing the issue is vital to resolving the situation with minimal hassle.

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.  

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• Can I Claim Insurance For Bike Scratches?
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When it comes to finding the perfect ride, especially for women, a low-height scooty for ladies can make all the difference. You want to be relaxed and happy while riding and need a scooty appropriate for your height.

Let’s take a look at some of the finest low-seat-height two-wheelers for ladies available in India in 2024.

Top 19 Two-Wheelers for Ladies in India In 2024

Here’s a list of some of the best scooty for short-height ladies that are worth considering this year:

• Bajaj Platina 110

The Bajaj Platina 110 is more manageable for ladies because of its low height and comfortable sitting space. It is suitable for daily use and provides great fuel economy. Also, it is light and, therefore, can easily maneuver within traffic.

• Hero Pleasure Plus

Hero Pleasure Plus model is exclusively for women. It is stylish and relatively low to the ground, which makes it easy to use. This scooty is best suited for city drives and the boot compartment is large enough to accommodate your necessary items.

• TVS Scooty Zest 110

The Scooty Zest 110 is yet another beautiful model for ladies. While riding this bike, it is easy for short women to touch the ground. It is light and provides a smooth ride, which makes it suitable for use in areas with heavy traffic.

• Honda Dio

The Honda Dio is a stylish scooty with low ground clearance. It is the best option for young riders and provides an exhilarating and spirited ride. Its comfort is an added plus.

• Yamaha Fascino 125

The Yamaha Fascino 125 is an elegant scooty with great power and acceleration. It is slightly taller than some other models; however, because of its slim profile, it is easy to control for women of shorter stature. It is suitable for those women who want an eye-catching scooty with decent fuel efficiency.

• Suzuki Access 125

The Suzuki Access 125 is popular for its superior engine and ergonomic pillion seat. It is short and well-built, ideal for any lady who prefers a strong and stable bike. It also has an adequate storage area for personal items.

• Bajaj Chetak

The Bajaj Chetak is one of the oldies but is now being revived. It has a vintage appearance and is relatively short. The scooty is suitable for users who prefer a classic design. It is electric and thus a preferable choice.

• TVS Jupiter

TVS Jupiter is a fuel-efficient scooty that people of all heights can conveniently ride. Due to its convenient, low stance, it is very portable and ideal for daily use when going to work or college. It also comes with ample under-seat storage.

• Honda Activa 6G

The Honda Activa 6G is among the most sought-after scooters in the country. Due to its low stature and efficiency, it is highly recommendable for ladies. It is mainly designed for urban use and provides a comfortable ride.

• Hero Maestro Edge 110

Hero Maestro Edge 110 is a comfortable scooter that caters to the female population. Due to its small stature, it is ideal for those with a relatively short height. Some of the features that come with it include a digital speedometer and a storage compartment.

• Yamaha Ray ZR 125

The Yamaha Ray ZR 125 is the scooty that comes with the features of sporty and stylish looks. Though it is slightly taller, it is easier to maneuver for the shorter riders because it is lighter in weight. It is ideal for those wishing to combine fashion with performance.

• KTM 390 Duke

KTM 390 Duke deserves a mention here for its slightly taller stature and rather slim seat height. The bike itself is quite lightweight. It is ideal for a thrilling experience and, at the same time, suitable for those who are not that tall.

• TVS Ntorq 125

TVS Ntorq 125 comes with a sporty look and has a low height. It is ideal for urban areas and offers a good ride for the statured riders and thus can be used for daily commuting.

• Suzuki Burgman Street 125

Suzuki Burgman Street 125 is a stylish scooter and possesses low ground clearance. It is comfortable and performs well, making it ideal for both daily and long bike rides. It also provides enough storage space.

• Hero Electric Optima

Hero Electric Optima is perfect for anyone who requires a shift from the conventional mode of transport and wants to embrace electric means of transport. Because of its small height and environmentally friendly concept, it is ideal for daily commuting. It does not weigh much, which makes it easily manageable.

• Okinawa Praise Pro

Okinawa Praise Pro is another electric scooty that provides a low-height seat. It is comfortable and convenient, thus suitable for any lady wanting an efficient two-wheeler ride.

• Ampere Magnus Pro

Ampere Magnus Pro is a low-height, elegant electric scooty. It is suitable for city use and gives a comfortable ride. It is easy to handle, especially for shorter riders, because it is lightweight.

• Ather 450X

Ather 450X is a luxury electric scooty built for speed and comfort. Because of its small height, its structure is inherently suitable for ladies. It has innovative functions and an attractive appearance, which makes it perfect for modern women.

• Bajaj Qute

Although it falls under the category of quadricycle, Bajaj Qute is another interesting two-wheeler for those who want a small vehicle to move around. It is low built and can be easily maneuvered, making it the perfect scooty for short-height ladies.

Conclusion

Carefully selecting the perfect low-height two-wheeler for ladies can indeed have a large impact on the quality of the ride. Choosing the best scooty for short-height ladies depends on your personal preference. In any case, do not forget about two-wheeler insurance to insure your bike against potential accidents, damage, and theft.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

Also Read:

• Best Budget Bikes of India
• Best Light Weight Scooty in India
• Bikes with Best Suspension in India
• Bike Vs Scooter: Should You Buy A Motorcycle Or Scooty
• Is Two-Wheeler Insurance Compulsory for Electric Scooters?

When it comes to two-wheeler insurance, you often wonder whether a PAN card is required for the same. Let’s find out:

Address and Identity Proof Required for Bike Insurance Renewal

While renewing bike insurance, you must furnish identity proof like a passport, driving licence, or PAN card. Though a PAN card is not always compulsory, it is beneficial, especially when you are doing KYC with the insurer.

Conclusion

Now you might have an answer to your query: Is a PAN card mandatory for bike insurance? It is not mandatory, but it is recommended that you have it handy.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

Also Read:

• KYC for Bike Insurance
• Bike Insurance Types
• what is comprehensive bike insurance
• what is third party insurance for bike
• how to pay bike insurance online