India, with its rapidly growing population and urbanisation, faces a lot of challenges in ensuring road safety rules. When a person drives a two-wheeler on the road, it becomes important to ensure that they are following the road safety instructions. The foremost safety rule while driving a two-wheeler is wearing a suitable helmet. Wearing a helmet ensures that a person’s head and face are saved from major injury if there is an accident on the road. Moreover, having a third-party insurance policy for two-wheelers is also mandatory as per the Motor Vehicles Act in India.

What are the helmet laws followed in India?

According to the Motor Vehicles Act (1988), people on two-wheelers must wear helmets. Over the years, several amendments have been made to the Motor Vehicles Act so that it has more inclusions and covers a wide range of aspects when it comes to riding on the roads in India. For instance,

• The Motor Vehicles (Amendment) Act 2019 made some additions to clause 63, which includes increased penalties for several traffic offences. The amendment made was an increased penalty for not wearing a helmet.
• Section 129 of this Act mentions that any individual aged 4 years and above has to compulsorily wear protective headgear or helmet while riding a bike, and this rule applies to both the drivers and the pillion riders.
• Section 129(a) states that helmets should be of quality materials and have a shape that offers maximum protection to the people wearing them.
• Section 129(b) states that fastening the helmets properly to the head of the driver and the pillion rider is a must.
• As per Section 194D of the Act, if we don’t comply with the helmet rules in India, we might have to pay a fine of Rs. 1000 or face licence suspension for three months.
• A turban-wearing Sikh is exempt from the motorcycle helmet laws in India.

Conclusion

A person should follow the new regulations made by the Motor Vehicles Act on helmet rules in India, as avoiding the use of a helmet can prove harmful. Make a habit of wearing helmets, and also make sure to inculcate this habit in your family members to ensure their safety. Additionally, ensuring your bike insurance is up-to-date is crucial for comprehensive protection on the road. Also, there should not be more than two riders on board under any circumstances, irrespective of their age, because this will help you travel safely.

Maintaining your bike is critical for a smooth, safe, and enjoyable ride. Regular upkeep not only extends its lifespan but also reduces repair expenses. Here are some practical bike care tips to keep your ride in excellent condition.

Tips to keep your bike in good shape

These are some fundamental motorcycle care tips to ensure your bike operates at optimal capacity:

1. Regularly check and change engine oil

This is one of the most essential bike service tips. Engine oil is a lifeline for any smoothly running bike. Properly lubricating the engine parts can minimise friction and prevent overheating. Therefore, it is necessary to check the oil level regularly and change it according to the specifications in your bike's manual. Too little or dirty oil can cause severe damage to your engine, so keep a check on it, especially when riding through dusty areas.

2. Maintain the battery

Your bike's battery is also crucial. Check the cleanliness and ensure tight connections of the terminals. Regularly inspect the fluid level and top up with distilled water if low. If the bike won't be used for an extended period, you may disconnect the battery to prevent drainage.

3. Ensure tyre maintenance

Your tyres are the contact between your bike and the road; therefore, it is paramount that you ensure they are always in good condition. Check their pressure regularly and inflate as recommended by the manufacturer. Also, keep an eye out for any wear and tear and replace them as needed. Proper care for your tyres guarantees fuel efficiency and a much safer ride.

4. Don't let the brakes deteriorate

Effective brakes are crucial for road safety, so it's essential to ensure they are in excellent working condition. Regularly check the brake fluid level and consider replacing it every 1 or 2 years. If you notice any unusual noises when you brake, have them inspected immediately, as it could be a critical safety issue.

5. Clean the air filter regularly

The filter prevents dust and other matter from interfering with the engine. This filter will usually get clogged after a while, reducing the performance of your bike. Keep them clean and replace the air filter regularly to ensure top-notch performance and fuel efficiency for your engine.

6. Maintain the engine properly

New bike owners frequently wonder how to maintain the bike engine. It is through its engine that a bike comes alive. Regularly check and clean the carburettor, spark plugs, and other components. Ensure the spark plugs are correctly gapped and in good condition. By consistently practising bike engine care, you can ensure it rides smoothly year after year.

7. Lubricate the chain

The bike's chain has to be cleaned and oiled from time to time. Dirt and other deposits can be removed with a soft-bristled brush, after which it needs to be lubricated with engine oil or any other rubbing material. Properly caring for the chain ensures smooth power transmission from the pedals through the chain to the rear wheel and prevents wear and tear.

8. Keep your bike clean

Regularly cleaning your bike ensures it remains rust-free and looks its best. Use a mild cleansing liquid and a soft cloth to clean your motorcycle; avoid harsh chemicals or abrasive cleaners that could damage the paint. Pay attention to areas like the wheels and undercarriage, where dirt tends to gather.

9. Follow the manufacturer's manual

Your bike's manual is a very valuable resource. This manual is how to maintain a smooth bike engine experience. It contains detailed information on the schedules of maintenance, the kinds of oil to use, tyre pressures, and so much more. Following all of these recommendations will ensure that your bike performs well throughout its life.

10. Opt for comprehensive bike insurance

While third-party insurance is compulsory, comprehensive two-wheeler insurance has a broader reach. It safeguards your bike from natural catastrophes, theft, or accidents. Renewing your bike insurance on time continues the policy and secures financial protection against damages.

11. Regularly service your bike

It is necessary to have periodic servicing by a professional. All parts of the bike will be thoroughly examined during each service, and any parts needing repair or replacement will be noted. This helps keep your bike to run smoothly and allows you to identify any issues early with regular servicing.

12. Clutch adjustment

This is an essential two-wheeler maintenance tip. A well-adjusted clutch is vital for smooth gear shifting. Check that the clutch is regularly adjusted and neither tight nor loose. Proper adjustment of the clutch prevents excessive wear and saves fuel.

13. Pay attention to the suspension

There is much about the suspension in your bike that relates to handling and comfort. Regularly check all suspension parts for wear. Replace any worn-out parts to assure a smooth and, more importantly, safe ride.

14. Maintain proper documentation

Keep all the bike-related documents in order, such as the insurance policy, registration, servicing record, etc. Renew your two wheeler insurance on or before the due date by setting a reminder for the renewal. Proper documentation helps during both law enforcement and claim procedures.

Conclusion

By following these simple motor bike maintenance tips, you will be able to keep your bike in excellent condition for many years to come. Regular checks and replacements not only improve the performance and lifespan of your motorcycle but also enhance safety and riding pleasure. A well-maintained bike is more than just a machine; it's a trusty companion on the road.

Updated on 10-04-2025

As per the IRDAI guidelines, it is legally mandatory for all two-wheelers plying on the roads to possess valid insurance coverage. Under the Motor Vehicles Act (1988), every biker must carry an active two-wheeler insurance policy. It is essential to renew your two-wheeler insurance online promptly to ensure it doesn't lapse, you remain compliant with the law, and you have complete peace of mind.

What Happens When Your Bike Insurance Policy Expires?

You can opt for online or offline bike insurance renewal after expiry. However, the duration of this grace period differs among insurers. If you do not renew your policy within the grace period, it will be considered as a break-in case. Your bike insurance policy could be discontinued if you exhaust the grace period; you will also lose your accumulated NCB and will have to purchase a new policy. Thus, renewing your policy as soon as possible is wise.

You can opt for a two-wheeler insurance renewal online after expiry; insurers do not levy any additional charges for choosing the online renewal mode. There is also no need for the insurer to inspect your bike. However, the coverage will begin three days after the insurer receives the payment.

How to Renew Lapsed Two-wheeler Insurance?

Timely renewal of two-wheeler insurance online offers protection against unforeseen events. Here are the necessary steps for how to renew bike insurance online after expiry -

1. Assess Your Coverage Needs: To renew your bike insurance policy, review your coverage as your needs change from time to time.
2. Visit the Insurer's Website: If you have already chosen an insurer or want to find a new one and port your policy, you could go to the website of your previous or new insurance provider.
3. Input the Requisite Details: You must provide the registration number of your bike, the lapsed insurance policy number, and all the other required details pertaining to the renewal of your policy, like a copy of the previous policy and renewal notice sent to you by your insurer. You will also need your Driver's License and photographs.
4. Policy Selection: Choose a plan that meets your needs and budget. Opt for add-on covers to widen the policy's scope of coverage. Check your bike's IDV (i.e., insured declared value) and select the appropriate one.
5. Make the Payment: You can make the payment via your debit/credit card, UPI, or any other preferred online mode. Upon successful completion of the payment process, you will receive the soft copy of your bike insurance policy in your email ID.

If you choose the offline renewal mode, an inspection of your vehicle becomes mandatory. You will have to take your bike to the insurer's nearest branch along with the requisite documents. If the insurer finds all documents in order, you will start receiving coverage within two working days.

The insurer will refer your case to the underwriter if you decide to renew your policy after one year or a longer duration.

Lapsed Bike Insurance Renewal: Things to Consider

When renewing an expired bike insurance policy, keep the following in mind:

1. Vehicle Inspection: Insurers often mandate a bike inspection to assess its condition before approving the renewal.
2. Policy Terms Review: Use this opportunity to reassess your coverage needs. You might want to opt for additional riders or modify existing ones based on your current requirements.
3. Premium Rates: Be prepared for potential changes in premium amounts, especially if there's been a significant gap since the policy lapsed.
4. Documentation: Ensure all necessary documents, such as previous policy details, bike registration papers, and personal identification, are readily available.

How to Avoid Lapses in Bike Insurance Renewal?

Preventing a policy lapse is crucial for continuous protection. Here are some strategies:

1. Set Reminders: Mark your calendar or set digital reminders a month before the policy's expiry date to initiate the renewal process timely.
2. Automatic Renewals: Some insurers offer auto-renewal facilities. Enrol in such programmes to ensure uninterrupted coverage.
3. Stay Updated with Contact Information: Ensure your insurer has your current contact details to receive timely renewal notifications.

Benefits of Renewing a Lapsed Bike Insurance Policy Online

Renewing your bike insurance online offers several advantages:

1. Convenience: Renew your policy from the comfort of your home at any time.
2. Quick Processing: Online renewals are typically faster, with immediate policy issuance upon payment.
3. Easy Comparisons: Digital platforms allow you to compare multiple policies and select the one that best suits your needs.
4. Secure Transactions: Reputable insurance websites ensure secure payment gateways for safe transactions.
5. Digital Documentation: Receive your policy documents electronically, reducing paperwork and ensuring easy access.

Conclusion

It is essential to renew your two-wheeler insurance online before it expires to maintain legal compliance and ride your vehicle with peace of mind. However, if you do miss the renewal date, renew your lapsed bike insurance policy online in a few easy steps. Being aware of the process of renewal makes sure that you take the right steps and that your bike enjoys the continued extensive coverage comprehensive bike insurance offers.

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.

Updated on 16 Nov 2025

When you own a two-wheeler in India, insurance is not just a legal requirement; it’s your financial safety net.

But did you know you can save on premiums simply by being a responsible rider? This is where the no-claim bonus (NCB) comes into play. If you haven’t made any claims during your third-party bike insurance policy term, you are rewarded with a discount on your next premium.

This blog explores how to calculate the no-claim bonus in your insurance policy and ways to maximise it.

What is a No-Claim Bonus (NCB)?

NCB, or no-claim bonus, is a reward to the insured for their safe driving and claim-free years during the policy's tenure. This NCB rate is expressed as a percentage in your policy document. With every year that passes without a claim, you qualify for a higher NCB rate.

How is NCB in two-wheeler insurance calculated?

The No-Claim Bonus (NCB) is a discount offered on the own damage premium of a two-wheeler insurance policy for every claim-free year. It starts from the second policy year and increases with each consecutive year without claims.

Discount

A 20% discount on the premium awaits if you have raised no claims in the first year. This discount applies specifically to the own damage component of your insurance policy.

Benefit

For each subsequent claim-free year, the NCB percentage increases. Normally, the NCB discount progresses as follows:

• After 1 Year: 20% discount
• After 2 Years: 25% discount
• After 3 Years: 35% discount
• After 4 Years: 45% discount
• After 5 Years: 50% discount
  
  

Example of NCB Calculation: Rakesh pays a premium of ₹8,000 for his bike insurance. If he drives cautiously and makes no claims in the first year, he qualifies for a 20% NCB. After the 20% discount, Rakesh's premium for the second year is reduced to ₹6,400. With every passing year, the discount increases for each claim-free year for up to five years.

Why No-Claim Bonus is important

The no-claim bonus (NCB) is important for policyholders for the following reasons:

Rewards safe driving

NCB rewards policyholders for safe driving and not making any insurance claims during the policy period. This encourages policyholders to drive carefully, which is important for their own safety.

Significant premium discounts

NCB provides a significant discount on the premium amount at the time of policy renewal. This discount can start at 20% and go up to 50%. Over time, this can significantly reduce the cost of insurance.

Cumulative benefit

The value of the NCB increases with each consecutive claim-free year. It acts as a financial incentive to maintain a clean driving record over the years.

Transferable

NCB is linked to the policyholder, not the vehicle. This means if you decide to buy a new bike, you can transfer the NCB from your old vehicle to the new one.

Acts as a claim deterrent

Knowing that making a claim can reset the NCB to zero, policyholders are often deterred from making small or unnecessary claims.

How to maximise your No-Claim Bonus (NCB)?

If you drive safely and do not make any claims for 5 consecutive claim-free years, you can enjoy up to a 50% discount on your own damage portion of your premium.

Here is how you can maximise the chances:

• Always ride safely and follow traffic rules.
• Opt for small out-of-pocket repairs instead of filing claims.
• Install anti-theft devices approved by the insurer.
• Renew your two-wheeler insurance online on time to avoid losing accumulated NCB.
• Avoid lapses in coverage by setting reminders for premium payments.
• Choose trusted workshops to keep your bike in good condition.
• Transfer your NCB when buying a new bike to retain the benefit.
• Review your policy annually to ensure adequate protection.
• Consider a long-term policy to safeguard NCB for multiple years.

How to select or apply NCB during renewal?

Here is how to select or apply your no-claim bonus during policy renewal:

• Check your current policy documents to confirm your existing NCB percentage.
• Renew your policy before the expiry date to avoid losing your accumulated bonus.
• When renewing online, carefully select the NCB percentage.
• If switching insurers, request an NCB certificate from your previous insurer.
• Avoid making any false declarations.
• Compare renewal quotes from different insurers to maximise your NCB savings.
• Ensure your renewed policy schedule clearly mentions the correct NCB percentage.

Conclusion

A no-claim bonus is essentially a reward for safe driving practices and refraining from making unnecessary claims. It provides significant discounts on your two-wheeler insurance premiums. However, you must keep renewing your two-wheeler bike insurance plan on time, as a lapse will lead to the NCB accumulated over the years getting reduced to zero.

While you focus on riding safely and keeping your bike in top condition, let us help you protect it financially. Get tailored bike insurance advice and renewal assistance by filling out the form provided on this page.

FAQs

•    How do I check if my NCB is applied correctly?

Verify the NCB percentage mentioned in your renewal quote or policy schedule against your previous policy records.

•    Can I transfer my NCB when changing insurers?

Yes, you need to request an NCB certificate from your old insurer to carry it forward to your new policy.

•  What happens if I forget to select my NCB during renewal?

You may lose the discount, so always confirm your NCB percentage while renewing online or offline.

•   Is NCB available if I make a small claim?

Even a small claim can reset your NCB to zero, unless you have an NCB protection add-on.

•    Can insurers reject my NCB claim if I declare it incorrectly?

Insurers can cross-check your claim history and adjust or cancel your NCB if it is misreported.

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

You must choose the correct type of motorcycle insurance if you ride a motorbike in India. This serves legal needs and provides financial defence in certain situations. Bike insurance types vary greatly to cater to risks associated with riding in bustling city traffic or peaceful rural areas. You need to select a plan that offers adequate coverage, considering the high frequency of road incidents and thefts. Adequate coverage ensures compliance with Indian traffic laws and secures financial stability against potential losses from accidents or theft. Moreover, suitable types of motorbike insurance can provide benefits that minimise out-of-pocket expenses during unexpected events. These types of two-wheeler insurance ultimately enhance your riding experience with peace of mind and security. Understanding your specific needs, the bike’s usage, and local conditions will guide you in choosing the most appropriate types of 2-wheeler insurance.

Types of bike insurance in India

Every type of insurance offers advantages and varying degrees of protection. Choosing the right type of insurance for a bike can significantly affect your financial security in case of accidents or theft as well. The choice must depend on your specific needs, budget, and the level of risk you are willing to manage. There are mainly three different types of bike insurance that every two-wheeler owner should consider. They are:

1. Third-party liability-only bike insurance:

   The Motor Vehicles Act mandates this basic form of bike insurance. It covers legal liabilities arising from injury or death of third parties, as well as damage to another person's vehicle caused by your insured bike. However, this insurance type for bikes offers no coverage for damage to your own bike. It does not pay for replacement or repairs if your bike is damaged in an accident.

2. Standalone own damage insurance:

   Third-party liability-only insurance leaves a gap that this kind of coverage helps fill. It covers losses to your own bike and provides financial defence against a range of hazards, including, natural events like floods or earthquakes, and man-made incidents such as accidents, theft, riots, and vandalism. Consider getting this coverage alongside third-party liability insurance, even though the latter pays for damage to your bike, as it does not cover damages or losses to others injured in an accident.

3. Comprehensive bike insurance:

   This comprehensive bike insurance policy offers the most extensive coverage. It combines elements of standalone own damage cover and third-party liability. This policy covers damages to your own bike and guards you against damages caused to a third-party or his/her property. Adding different add-ons like Zero Depreciation cover and Roadside Assistance cover can further enhance this coverage.

Conclusion

Choosing the right type of insurance for a two-wheeler is straightforward. First, it is essential to understand how many types of two-wheeler insurance are available. Then, select a bike insurance policy that offers comprehensive protection for your two-wheeler. Knowledge of bike insurance policy types can help you make the right decision when it comes to insuring your vehicle.

Can you invest your money in an insurance company if you are unsure of its credentials? This trust is a two-way street. An insurance company should also be able to trust you and have access to a few particulars. This is why 'Know Your Customer' (KYC) norms are mandated. Verifying identity through KYC helps build trust between the insurer and the insured.

KYC Norms in Two-Wheeler Insurance Process

The complete process of bike insurance KYC is outlined below:

1. Submission of documents for identity and address verification: Provide any government-issued identity card, such as Aadhar, voter ID, or driving license, as identity and address proof. Provide a recent passport-size photo along with the above documents.
2. Verification by the insurance company: The insurer will scrutinise all the documents you have shared.
3. Confirmation: The insurer will inform you after successful verification of KYC for bike insurance.

The different methods of bike insurance KYC are as follows:

1. Aadhar card-based authentication: Your Aadhar card fetches all the details required by the insurance company, such as your name, address, and date of birth.
2. Video KYC: An employee from the insurance company connects with you on a video call for face-to-face verification.
3. Digital KYC: The details are fetched directly from the documents saved on Digilocker, and your photo is captured online.
4. KYC through a PAN Card or Form 60: A PAN card provides information about your income along with your identity details.
5. CKYC (Central Know Your Customer): It is a repository of information to verify customer details. A unique CKYC number is allotted, which can be used to apply for any financial service.

Conclusion

Following KYC norms protects the interests of both the insurer and the insured. Make sure you complete your KYC while purchasing bike insurance. Timely KYC for bike insurance ensures a hasty claim settlement process and smooth insurance policy renewal.

Is your bike insurance nearing its expiration? If yes, you might be wondering, "Can I change my bike insurance company?" You can change your bike insurance company if you are dissatisfied with your current insurer. Keep reading this blog to learn how to change two-wheeler insurance company.

When can I change my bike insurance plan?

If you are looking for lower premiums or considering a few add-ons to your bike insurance, it may be advisable to change bike insurance company. Listed below are the opportunities for updating your bike insurance:

1. During policy renewal

Your current insurer will notify you when your current plan begins nearing its expiration date. Keep an eye out for these notifications if you wish to change the plan. Choose a new insurer that may meet your demands when it comes time to renew your bike insurance policy.

1. In the middle of the policy period

You can also switch your plan during the policy term if you are dissatisfied with your current policy or if your bike gets stolen. All you need is to cancel the existing policy.

1. Change of ownership

If you wish to sell your bike, you may transfer the existing insurance plan to the new owner.

1. Purchase of a new bike

You do not have to buy a new insurance plan if you purchase a new bike, but you can change the details of coverage. However, your premium might be affected as the insured value of your bike changes.

Conclusion

Don't change your bike insurance company solely for a lower premium or a cheaper plan. Instead, take the time to compare various bike insurance policies and choose the one that best meets your needs. Choose an insurer that has a good reputation, services, and claim settlement ratio.

Updated on 2 Dec 2025

Turning the key and hearing no engine starting noise from your bike can be a concerning situation. While occasional starting issues are common, frequent problems can indicate underlying mechanical or electrical issues. Understanding the reasons behind bike starting failures and taking preventive measures can save you time and hassle. If any engine issue is leading to the starting trouble, you don’t need to worry about the repair costs if you have a comprehensive two-wheeler insurance coverage with an engine protection add-on.

Let’s understand the common reasons for a bike failing to start.

Common causes of bike starting problems

You may be surprised to learn how many maintenance-related issues may cause a situation where your bike is not starting with the self-start. Here are the top reasons why your motorcycle is not starting:

1. The battery is drained out

Often, your bike may fail to start because the battery is dead or low. Without power, the battery cannot initiate the bike's engine. If this happens, you only need to plug in a power supply to recharge this ‘dead’ battery. If you have an electric bike, you can take the battery out and simply recharge it. For a traditional motorcycle, you may need to explore other options. To avoid getting stranded because your bike is not starting with the kick start, inspect the battery before leaving each time and make sure it still has enough charge left in it.

2. The carburettor is dirty

Dirt and grime collected on the carburettor over time can prevent the bike from starting. To prevent this problem, you should clean the carburettor regularly. If you cannot do it yourself, regular servicing of your bike can also get the job done.

3. Blown fuse

There are several fuses in a bike, and it is not uncommon for one of them to blow, creating a situation where your bike is not starting or keeps halting. Always check for a blown fuse, and if you can detect it, get it repaired.

4. The stand is down

Most modern two-wheelers require the stand to be up for the bike to start. This may sound like a minor problem, but it is a possible and common reason for the bike not starting. You should always check if the stand is up to prevent any unfortunate situations.

5. Check the clutch

Even if your two-wheeler is in neutral gear, you must pull the clutch on many modern two-wheelers to start it. If you're a new bike owner, you might not be aware of this fact. Start the bike, pull the clutch and pump it up a few times. This will prevent any issues while riding.

6. The bike is too cold

The bike getting cold is a common problem that vehicle owners face, especially in the winter and rainy seasons. If you have parked your motorcycle outdoors for too long, the battery may get cold, making it difficult for your bike to start. Sometimes, you may even discern small ice formations inside the carburettor. To prevent your bike from getting excessively cold, try to park it indoors or in a protected area.

7. The injector is blocked

This typically happens when you haven't used your bike for several days. Not having fuel run through the injector can block it since the residue from old fuel forms a gel that settles in it. In this case, you must clean these injectors (there are specific cleaning products for this job). After they're cleaned, your bike will start as usual.

8. The spark plug is broken

Bike spark plugs should be replaced periodically, or you risk your motorcycle not starting. With continuous use, the ceramic coating in the plug can develop cracks or oil from the engine can cause it to malfunction. If you haven't changed your bike's spark plug recently, it may be advisable to do so as early as possible, lest your vehicle refuse to start one day. Fortunately, replacing the spark plug is an easy fix.

9. Loose wires

If your bike is not starting, check the electrical wires and connectors. Sometimes, the reason may be as simple as a loose connection. Manually inspect the connectors to rule out this issue. If you find any loose wires, fix them and you should be good to go.

Understanding the reason for your bike not starting can save you time and frustration. Instead of immediately filing a bike insurance claim, carefully inspect the bike and see if any of the aforementioned issues are present. If so, rectify them. Otherwise, send your bike to the garage for an expert analysis.

Quick fixes for bike starting issues

Before calling a mechanic, you can do some simple examinations yourself to find and fix the issue. These are:

• Check the battery: A weak or dead battery is one of the most common reasons a bike won’t start. Make sure the terminals are clean, free from corrosion and the battery is fully charged.
• Inspect fuel supply: Sometimes the issue is as simple as an empty tank or a clogged fuel line. Refill the tank if needed and check for any blockages in the fuel supply.
• Examine spark plugs: Worn-out or dirty spark plugs can prevent ignition. Remove them to see if they are blackened, oily or damaged, and clean or replace them as required.
• Check fuses and wiring: Faulty fuses or loose wiring connections can disrupt the power flow. Inspect the wiring and fuses to ensure everything is intact and properly connected.

Preventive maintenance tips for bike starting problems

Regular maintenance can reduce the likelihood of starting failures:

• Schedule periodic battery checks to ensure it is charged and in good condition. Replace the old battery if it shows signs of weakening or struggles to hold a charge.
  
  
• Keep the fuel system clean and avoid prolonged fuel storage, as old or stale fuel can clog the carburettor or injectors.
  
  
• Service spark plugs and ignition components regularly. Worn or dirty spark plugs can cause ignition failures.
  
  
• Perform routine inspections of the electrical system to check fuses, wiring and switches for loose connections or wear.

Role of bike insurance in bike starting problems

While third-party bike insurance is the minimum legal requirement, it only covers the injuries caused to others and damages to their property. It doesn’t offer protection to your vehicle. To cover the engine of your bike, you should get a comprehensive insurance with an engine protection add-on. This compensates you for any repair or replacement expenses related to engine components.

Conclusion

Bike starting issues can arise from electrical, mechanical or fuel-related problems. Routine maintenance and timely inspections can prevent the most common issues. This will also save you time and money.

While you focus on keeping your bike in optimal condition, let us help you secure your bike with the best two-wheeler insurance. Fill out the form on this page to get personalised bike insurance advice and solutions tailored to your needs and budget.

FAQ

•  Can poor fuel quality cause starting problems?

Yes, poor-quality fuel can cause starting troubles, but the impact varies depending on the fuel system and bike type.

•  Does insurance cover bike breakdowns?

It depends on the insurer and policy. Check your policy wording to confirm coverage for breakdown assistance.

•  How often should I maintain my bike to avoid starting issues?

Regular checks every few months are recommended, but the exact frequency depends on usage and bike model.

Ganesh Chaturthi is an important Hindu festival that marks the birth anniversary of Lord Ganesha. However, the festival is not limited to pujas, offerings, and pandal hopping. Many choose this auspicious day for a housewarming ceremony, to start a new venture, to buy new vehicles, and more. So, if you have been thinking of buying a bike of late, Ganesh Chaturthi is an ideal time to bring home a new one. Read on to learn the benefits of buying a bike for Ganesh Chaturthi.

Buying a New Bike for Ganesh Chaturthi

Besides being an auspicious day to buy new things, there are more reasons to buy a bike during Ganesh Chaturthi. Lets take a look.

1. New models:

   Many bike manufacturers choose important festivals like Ganesh Chaturthi to launch new bikes. Hence, if you are keen to buy one of the latest models, you will find many options during this time of the year.

2. Special offers:

   Ganesh Chaturthi is one of the most auspicious days for buying new things. Hence, manufacturers and dealers offer many amazing deals and offers during the 10-day festival to attract more customers and increase sales. From attractive discounts to complimentary accessories, you can enjoy many special offers on bikes.

3. Better financial deals:

   During Ganesh Chaturthi, many financing companies also offer better deals and lower interest rates on loans. Moreover, if you are looking to buy a bike on EMI, you are likely to get better options during the festival.

Things to consider when buying a new bike

When you are buying a new bike, make sure you keep the following things in mind for a good purchase.

1. Cost of the bike:

   Although you will find many amazing and expensive bikes in the market, choose one that best matches your requirements and pocket. Also, remember that once you buy a bike, you will have to spend a significant amount on refuelling and maintenance from time to time. Hence, make sure you consider these factors and choose a bike accordingly.

2. Usage:

   While purchasing a bike, select one keeping its usage in mind. For example, if you need a bike for long-distance rides, choose one that is comfortable, strong, and durable. On the other hand, if you love bikes and are keen to add a new one to your collection, you can choose a luxury bike or your favourite one.

3. Test rides:

   Before zeroing in on a bike, make sure you opt for test rides to understand the features, riding posture, and comfort of the bike. A bike is an expensive machine, so it is important to take advantage of this option and make an informed purchase decision.

4. Two-wheeler insurance:

   The Motor Vehicles Act of 1988 makes it mandatory for bike owners to have at least a basic third-party bike insurance policy before taking their bikes on the road. However, if you are looking for wider coverage to safeguard your bike against unforeseen events, such as accidents, natural calamities, and third-party liabilities, you can opt for a comprehensive bike insurance policy .

Conclusion

A bike is one of the most important and common modes of transport in the country. It is less expensive and easier to navigate through narrow streets and busy roads. Therefore, if you want to buy a new bike, Ganesh Chaturthi is a good time to make the purchase. However, make sure you cover it under a bike insurance policy to avoid legal liabilities.

If you own a two-wheeler, you know how important it is to protect your investment and ensure your own safety on the road. That is where two-wheeler insurance comes into play. It provides financial coverage in case of any unforeseen circumstances, such as accidents, theft, or damage to your bike. However, merely having insurance is not enough. Knowing how to navigate the process of filing a claim and keeping track of your claim status is crucial to ensure a smooth and hassle-free experience. 

 If you have purchased a two-wheeler policy with us and have recently submitted a claim, this guide will assist you in tracking your claim status.

How to Check the Status of Your Bike Insurance Claim?

You can track your two-wheeler insurance claim with us in the following ways.

 Through website

• Visit ICICI Lombard’s official website.
• Tap on the dashboard in the top left corner of the webpage.
• Tap on 'Claims' and select 'Motor Claims.'
• Click on 'Check on claim status and upload documents.'
• Share your registered mobile number to get OTP and learn about the claim status.

Another way to track your claim through the website is as follows:

• Go to the dashboard on the home page.
• Tap on 'Support' and click on 'Help Centre.'
• Scroll down and click on online requests.
• Tap on 'track your motor claim.'
• Share the required details and follow the given instructions.
• Your screen will display the claim status.

 Through ILTakeCare App

• Download ILTakeCareApp.
• Register yourself on it.
• Add your policy number.
• Once done, click on 'Claims.'
• Choose your policy number from the drop-down list
• Click on 'Track your claim.'
• Provide your claim number.
• Our app will display the current status of your claim.

 Through WhatsApp

• Save '7738282666' on your contact list.
• Now, send 'Hi' to this number on WhatsApp.
• Our responsive bot will assist you by providing the required information.

You can also learn about the claim status by emailing us at customersupport@icicilombard.com or by calling our support team at 18002666. 

Conclusion

 A two-wheeler insurance is one of the first and simplest ways of prolonging the age of your bike. Checking your insurance claim progress online is quick and easy, allowing you to keep track of any updates. ICICI Lombard offers many hassle-free ways to do so, each designed keeping in mind the ease of our customers. Be insured, be assured!

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. 

Safety is considered important regardless of where you are working or what you are doing. You should always be aware of your surroundings and their potential risk at dangerous places to keep yourself safe and sound. If a person is working at a factory, construction site, or anything relevant to the same then they should always have safety gear handy. The safety gear can be jackets, safety helmets, knee caps, etc. based on the amount of danger you encounter at your workplace. So, before choosing a helmet, the worker’s head circumference, the comfort of use and how long the helmet will be worn by the operator, should also be taken into account. Lastly, it is important to pay attention to the standards and regulations; applicable to wearing helmets based on the workplace in your country.

Tips to choose the right helmet for safety

Choosing the right safety helmet is very important and can prevent serious injury in a fall or other accident. So, you need to choose the right one based on the job you will be doing. The tips include:

1. Choose the Helmet based on your Job

A person should choose an appropriate helmet based on the tasks and environments they are going to work in. For e.g., full face helmets protect the entire head and face, ideal for jobs with flying debris or chemicals while half-faced helmets are suitable for carpentry work, a helmet with a chin strap can be ideal to use while falling off during high-movement tasks or in windy environments.

2. Check for Certification

Safety helmets must meet certain safety standards to ensure that the helmet you choose must be tested and certified by a reputable body to ensure its effectiveness in preventing injuries.

3. Look for Comfort

A comfortable helmet is more likely to be worn consistently with the use of adjustable straps to ensure a snug fit and the helmet should have proper fitting to ensure comfort during long periods of wear.

4. Consider the Weight

A heavy helmet can cause neck strain if used for an extended period so opt for a lightweight helmet that doesn’t compromise on protection. The helmet should be made up of lightweight materials such as carbon fibre or lightweight plastics that ensure ease of movement and reduces fatigue.

5. Consider Ventilation

Using a helmet for long runs can cause your head to become hot and sweaty, which can be extremely uncomfortable so choose a helmet that provides proper ventilation through air vents and can help to reduce heat and increase comfort levels during hot environment settings.

6. Check for Extra Features

Additional features like face shields or earmuffs can be beneficial to use depending on your work environment. For example, if a person needs to work in construction then a visor can help protect the eyes from flying particles, while earmuffs protect against high noise levels in industrial settings.

7. Select the Right Material

Choosing the right material is very important to ensure your safety in different settings. The materials used to make helmets are made from various materials, such as polyethylene, polycarbonate, or Kevlar. A person can choose the material which will affect the helmet’s durability, impact resistance, and weight

8. Consider the Environment

Before choosing a helmet, please ensure the hazards of your workplace to ensure your safety. E.g., the electrically insulated helmet can be used for working in electrical hazard settings while fire-resistant material if working in fire-containing settings.

9. Look for Protective Padding

Padding in a helmet provides extra cushioning in the helmet which can reduce the force of impact on the head in the event of an accident.

10. Check for Replacement Parts

A safety helmet’s lifespan can be extended if a manufacturer provides a warranty for replacing parts like straps, suspension systems, or padding. Additionally, check if the manufacturer guides how often to replace these parts to ensure 100% safety.

Conclusion

To ensure safety, choosing the right helmet is a crucial step for protection at the workplace. One should select a helmet style based on the type of work and location of the environment setting to ensure complete protection. Since helmets are meant to protect your skull from injuries in unexpected events, so make sure it complies with all the required quality standards. Products with ISI mark label on it. Additionally, as per the 2020 government Motor Vehicle Act, only helmets certified by the Bureau of Indian Standards (BIS) will be legal for two-wheeler riders in the country. Making the right choice will safeguard your well-being and enhance your productivity and efficiency at work. Protect yourself on the road and safeguard your investment with bike insurance coverage.

Buying a two-wheeler online is not a new thing. Not only can you buy a two-wheeler and related accessories online but you can also buy a two-wheeler insurance online. Before choosing the type of two wheeler, you must assess your riding requirements. You must also consider visiting dealerships, reading reviews and consulting your biker friends.

Two-wheeler loan online

While two wheelers are not as expensive as four wheelers, they can still be a financial burden if purchased unwisely without prior planning. If you don't have the cash for the entire payment, a two-wheeler loan can help. Several banks offer two-wheeler loans at attractive interest rates.

You can compare prices and interest rates across various banks to choose the one that suits you. Several websites also provide detailed analyses that help in making a calculated decision while applying for a loan.

Purchasing a two-wheeler online

Once you have decided your budget and set the maximum price limit, you can begin searching online. An important decision to make at this step is whether to opt for a new or used vehicle. Many sites offer used two-wheelers in good condition.

While buying a used two-wheeler online, you must assess several crucial aspects, including your lifestyle, market value, availability and validity of two-wheeler insurance, vehicle history, etc. Make sure you get all the necessary paperwork to register it in your name after the purchase.

If you plan to buy a new two wheeler online, you can select your nearest dealership and book a test ride. The company will arrange a test ride for you. After you are satisfied with the performance, you can place your order and the nearest dealership will deliver the order at your doorstep.

Two-wheeler insurance online

Insurance is the last thing that probably comes to your mind while buying a two wheeler. However, a third-party insurance for your two wheeler is mandatory. It is wise to opt for other aspects such as personal accident cover for your own financial security.

Insurance for your two wheeler is readily available online. With multiple options available, you must not only compare premium costs, but also the various features and add-ons offered by companies before buying a policy. Benefits such as a long-term cover for two or three years are often exclusively available online.

Conclusion

Online shopping has steadily increased and now covers almost every aspect of our daily life. With almost every facet of purchasing your two-wheeler being covered online, purchasing two-wheeler insurance online will soon be the norm. Every step can be completed with just a few clicks. Ensure you choose the right third-party insurance or a comprehensive plan to protect your vehicle fully. Doing so lets you enjoy peace of mind, knowing that you're safeguarded against unforeseen incidents, ensuring a smoother and worry-free riding experience. Choosing the right plan helps you comply with legal requirements and provides financial security in case of accidents or damages.

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.  

If you have a two-wheeler, getting bike insurance is not just essential but mandatory by law. However, when it comes to picking a policy, many get confused between the third-party and comprehensive two-wheeler insurance online. Both of these policies provide protection, but the advantages and coverage are different. Let’s gain a proper understanding of each of them, their primary differences and how to pick the correct policy based on your needs.

Key differences between comprehensive and third-party bike insurance

The significant comprehensive and third-party bike insurance difference revolves around coverage benefits. Riders should carefully evaluate third-party vs. comprehensive bike insurance to determine which is best for them. Let's break down which two-wheeler insurance is the best for you.

How to choose between comprehensive and third-party bike insurance as per requirement

If you’re confused between a third-party and comprehensive two-wheeler policy, here is how to choose the right cover:

Pick the third-party policy if:

• You’re looking to meet only legal requirements.
• Your bike is more than five years old and has low market value.
• You don’t ride the bike often or keep it parked safely most of the time.

Pick the comprehensive policy if:

• Your bike is valuable or new.
• You need complete protection from natural disasters, fire, theft and accidents.
• You ride daily and want peace of mind.

Remember, the additional expense of a comprehensive policy can help save a significant amount of money in the event of theft or accidents.

Conclusion

Picking the correct bike policy depends on your usage and needs. Although the third-party bike insurance satisfies the basic rules, the comprehensive plan offers you complete protection. It might cost a bit more, but the advantages and safety are worth it. If you need help picking the best bike policy, just fill out the form on this page and receive expert advice for free. Our team will be there to assist you by suggesting the most suitable policies for your bike.

FAQ

• Is the third-party insurance enough for my two-wheeler?

This policy is legally sufficient, but it provides limited protection.

• Does the comprehensive insurance cover bike theft?

The policy does cover fire, accidents, thefts, etc.

• Is bike insurance policy renewal mandatory?

You must renew it before it expires to remain protected.

• Can I get bike insurance online?

Many insurers provide easy online policy renewal and buying options.

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.

Updated on 10 Dec 2025

A major innovation in protective gear for two-wheeler riders today is the Bluetooth helmet. Not only are they technology-enabled, but they also offer you superior comfort and protection. With their wireless functionality and rechargeable batteries, Bluetooth helmets ensure utmost utility.

This blog explains everything you need to know about Bluetooth helmets: what they are, their benefits and importance and how to buy one.

What is a Bluetooth helmet?

A Bluetooth helmet is a protective headgear with a built-in Bluetooth technology. The most common features of these helmets include wireless connectivity to smartphones, GPS devices and smartwatches, built-in speakers and microphones, rechargeable batteries lasting for 8 to 15 hours and controls, such as voice commands and buttons.

Motorcycle helmets have comprehensive features, created for street and highway riding.

Key benefits of using a Bluetooth helmet

Here are the top five reasons to wear a Bluetooth helmet while riding a two-wheeler.

1.     Comprehensive protection

Did you know that speeding and drunk driving cause many fatal road accidents? They are classic examples of human error, which can be easily avoided, especially with a helmet.

Unlike cars, two-wheeler riders do not have an exterior coverage to shield them from impact. The only protective gear a biker owns is a helmet. As per Section 129 of the Motor Vehicle Act, everyone over 4 must wear an ISI or helmet when riding a two-wheeler. This applies to both rider and pillion passenger.

The Bluetooth helmet of many notable brands, despite being lightweight, has an extremely strong and sturdy build that can resist high wear and tear.  This protects the rider from head injuries during an accident.

Alongside safety gear, obtaining is essential for enhanced protection. Depending on the policy type, you will get monetary compensation for accidents that are included in the coverage.

2. Hands-free communication

Distracted riding is one of the leading causes of bike crashes. A Bluetooth helmet allows the biker to have hands-free phone conversations with ease while riding. Riders don’t need to reach for their phones, remove gloves or take their hands off the handlebars. You can coordinate group rides, point out dangers and share route changes using the Bluetooth facility in the helmet. The voice-command operation further enhances its usage. For example, you can quickly access emergency contacts through Google Assistant and call for help.

3. Better music and acoustics

Bluetooth helmets are a hassle-free solution for listening to music. You can simply integrate them with smartphones and listen to songs. These helmets are designed from the biker’s safety point of view. So, these headgears ensure that the audio from your music player or phone does not obstruct external noises like honking horns.

4. Seamless navigation with GPS

A Bluetooth helmet, with its incredible GPS navigation system, allows you to explore different territories with ease. With real-time weather updates and traffic information, you no longer need to waste your time asking people on the way for these details. You also don’t have to rely on balancing your phone to view the directions while riding.

5. Convenience and comfort

Comfort becomes an extremely important factor when it comes to helmets. Sometimes these gears are forsaken because they are too uncomfortable to wear. Opting for a branded Bluetooth helmet and trying out different sizes before actually buying them becomes a small yet significant step towards road safety.

How do Bluetooth helmets improve the riding experience?

Bluetooth helmets improve riding experience by providing the following conveniences, without compromising safety.

• Hands-free calling while riding
• GPS navigation with turn-by-turn audio directions
• Music streaming from your phone
• Intercom communication between riders (rider-to-rider chat)
• Voice assistance access like Siri and Google Assistant

The wireless connectivity eliminates dangerous phone handling, keeping hands on handlebars and eyes on the road. In addition, advanced noise cancellation technology ensures clear audio even at high speeds and amidst busy traffic. 

Things to check before buying a Bluetooth helmet

Here are five things you need to consider before purchasing a Bluetooth helmet:

1. Safety certification: The helmet should meet ISI or BIS standards in India.
2. Battery: Look for one that offers a minimum of 8 - 10 hours of talktime and 7+ days of standby time to avoid frequent charging.
3. Audio quality: Test speaker clarity, bass response and noise cancellation capabilities.
4. Range and connectivity: The Bluetooth range should enable multi-device pairing, compatibility with your smartphone and at least 1km range for intercom.
5. Build quality: Examine whether it is waterproof (IPX6 or IPX7 rating), weather-resistant and durable. Also, check the button positions and charging port accessibility.

Conclusion

Bluetooth technology in helmets essentially transforms riding from an isolated activity into a connected experience, improving safety and convenience for adventure motorcyclists and daily two-wheeler hustlers alike.

While you take efforts to improve your ride with a Bluetooth helmet, remember to protect your bike with a comprehensive two-wheeler insurance policy. Get the best bike insurance online with relevant add-ons tailored to your everyday needs by filling out the form on this page.

FAQs

• Do Bluetooth helmets have built-in cameras?

While basic Bluetooth helmets don’t feature cameras, some premium ones have built-in action cameras for recording rides. Some also offer camera attachment points for external devices.

• Will a Bluetooth helmet reduce the cost of my bike insurance?

Some insurers may offer discounts for safety equipment usage. Discuss the terms with the insurance provider before purchasing the policy.

• Will I get a better third-party bike insurance claim settlement if I wore a Bluetooth helmet at the time of the accident?

Wearing any ISI-certified helmet makes you a responsible rider and shows safety compliance, which may positively influence claim assessments. However, it doesn’t guarantee higher settlement amounts in third-party claims. Please read the policy wording for clarity.

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

Embarking on a long-distance motorcycle journey during winter brings challenges, especially regarding rider comfort and safety. Having the right bike gear for long rides during the cold weather can make a huge difference between a potential accident and a safe and enjoyable ride. In this blog, we will look at the key gears in which you should invest to protect yourself and your bike during winter rides.

These policies are not only mandated by law but also offer financial security in case of any incident on the road. Regularly reviewing and updating your two-wheeler insurance ensures that you and your bike are protected year-round. 

Essential riding gear checklist for long-distance bike trips in winter

Riding comfortably in cold weather begins with the correct choice of clothes. And it’s not about the cost, but the function of the item that you are wearing which should be focused upon. So, if you want to have a safe and pleasant ride during the potentially tricky season with foggy weather, icy atmosphere, and greasy roads, also secure yourself and your motorcycle with a two-wheeler insurance policy. here are a few essential bike tips for your long distance rides in winter:

1. A SAFE HELMET WITH GOOD FEATURES

The first thing that you need to consider before starting a long-distance ride is a good helmet with adequate protective features. Look for helmets with more padding and removable liners as it will keep you warm and will last longer. Also, buy a helmet with a pin-lock visor as it keeps your visor clean and provides strong visibility even in foggy conditions.

2. SAFETY GOGGLES

If you are wearing a full-face helmet, then you might not need additional eye protection. However, with an open face helmet or a skull cap, you should always wear glasses or goggles to protect your eyes from dust and cold winds. Glasses should also provide UV-protection and should be made up of crack-resistant material. For long trips, consider carrying more than one pair of goggles.

3. A SUITABLE JACKET TO LOCK THE WINDS

A good jacket to shield you from strong winds is another important thing to wear before starting the ride. Look out for a wind-cheater jacket or a bomber jacket with removable winter liner and vent zips. Also, check if the jacket is waterproof so that you can drive comfortably even in extreme foggy conditions.

4. A BALACLAVA

While not everyone may find them comfortable, but a good balaclava will retain heat and block the cold. It provides immense protection to your neck and head area while you’re driving on tough roads in harsh winter conditions. Also, nowadays there are fire-resistant balaclava that protects your face from fire burns in case you meet with an accident.

5. THERMALS

Thermals add an important layer to the clothing and retains heat to keep you warm throughout the day. They are also a lot thinner and hence, make for a comfortable ride in extreme cold weather. You can wear thermal undershirts and trousers to keep your body warm and enjoy the ride without feeling bulky.

6. OVER-TROUSERS

It’s prudent to layer up your garments with an over-trouser, to complete the safety of and shield expensive gear underneath. Generally, leather, Kevlar, and other synthetic materials are used in pants designed specifically for riding motorcycle all day long. Some have hard plastic armor to provide extra protection to knees and hips.

7. PROPER GLOVES

Most of the regular bike riding gloves are rendered ineffective during the chilly winter days. Hence, a good option is to buy a new pair of gloves suitable for winter riding. Look out for the waterproof products with inner layering to keep you dry and safe. Keep in mind that they should be comfortable and provide you better control over brakes and clutch levers.

8. BOOTS THAT WILL SHIELD YOU

Riding a bike with open footwear or slippers can prove very dangerous, especially during winters. There are specially designed motorcycle riding boots with stable construction to provide you adequate protection from crashes and cold weather. Also, these shoes are comfortable and stylish enough to help you walk or ride all day long during long-distance travel.

9. AVOID TIGHT FITTING GEAR

You might be ready for a long ride on your bike with well insulated clothes in multiple layers. But if your gear is too tight, it defeats the purpose of insulation that requires air-space to be effective. Also, the tight gear restricts your movement, thus reducing your ability to safely control the motorcycle.

10. RAIN-GEAR

While all this equipment will provide adequate protection against the frosty weather, you must be equipped with rain-gear in case the weather takes a turn for the worse. It should be compact, comfortable and easy to put on or take off.

Conclusion

Hence, with proper planning and gear, you can enjoy the unique riding experience that this time of the year brings. It’s also imperative to secure yourself and your motorcycle with a comprehensive bike insurance policy, and protect yourself against financial liabilities arising due to accidents or mishaps.  These policies are not only mandated by law but also offer financial security in case of any incident on the road. Regularly reviewing and updating your two-wheeler insurance ensures that you and your bike are protected year-round. 

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

Updated on 15 Nov 2025

Choosing between a bike and a scooter isn’t always simple. It’s a decision that will shape your riding experience, maintenance expenses and insurance premiums for the next ten years at least. With climbing fuel costs and congested city roads, choosing the right two-wheeler should extend beyond gear systems and engine power. Your daily commute distance, storage needs, budget and comfort all need to be considered.

While scooters excel in city traffic with better fuel efficiency and ease of use, bikes offer superior performance for longer distances and highway travel. This guide provides key differences between bikes vs scooters and two-wheeler insurance considerations to help you pick the most suitable one.

Key differences between bikes and scooters

Here are four key criteria that differ between scooters and bikes:

1.     Size and design

When it comes to size, scooters are traditionally smaller than a standard motorcycle. Although there is room for more than one rider, they feel slightly uncomfortable when compared to motorbikes. Due to the smaller tyres and compact body frame of scooters, maintaining balance while turning becomes challenging, especially at high speeds.

Scooters work well for quick trips along smooth roads and side streets, whereas most motorcycles, owing to their powerful engines, sturdy build and advanced suspensions, can handle highway rides at high speeds for long journeys.

2.     Storage capacity

Modern scooter models, like Activa and Jupiter, can easily accommodate two riders and provide front storage space. In addition, their under-seat storage offers significantly more capacity and practicality than the small compartment found under a bike’s seat.

3.     Fuel-efficiency

Cost vs mileage is the primary deciding factor for most buyers. Scooters typically give a better average than bikes simply because of a smaller engine size and lighter body weight. Scooters can give you anywhere between 40 - 80 kmpl, while motorcycles range from 35 - 60 kmpl, depending on the engine capacity.

4.     Performance and safety

Scooters operate with low-powered engines that limit acceleration and speed. However, this also reduces the incidence of rash driving incidents. On the other hand, bikes offer advanced safety features, such as disk brakes and ABS (Anti-lock Braking System), which prove helpful in emergencies, such as panic-braking at higher speeds.

Factors to consider before choosing bikes and scooters

The following considerations should guide your decision when selecting between a scooter and a motorcycle:

• Daily commute distance: Scooters are better for short city rides of up to 20–30 kilometres, while bikes are more suitable for longer distances and hill and highway travel.
• Comfort preferences: Scooters allow easier mounting and dismounting, which is convenient for riders wearing traditional attire, like sarees and dhotis. They are also convenient for senior citizens and people suffering from joint pain.
• Short and long-term investment costs: Generally, scooters cost less to buy and are easier to maintain in comparison to bikes.
• Local traffic conditions: Consider your frequently taken routes, as they can influence mileage. Scooters tend to be more fuel-efficient in city traffic due to their automatic transmission and ease of riding in stop-and-go conditions. Bikes perform better in open spaces, on highways, and on longer routes due to their larger fuel tanks, geared engines and better stability.
• Riding experience: The vehicle’s power and handling should match your skill level and comfort. Scooters are easier to ride as they are lightweight and less complicated, while bikes offer better performance but might be heavy for some riders.

Importance of buying two-wheeler insurance for both bikes and scooters

Regardless of whether you choose a bike or a scooter, having two-wheeler insurance is mandatory under the Indian Motor Vehicle Law. Third-party insurance covers legal liabilities arising from accidents involving other vehicles, property or individuals.

Comprehensive policies, which can be enhanced with add-ons like personal accident coverage and roadside assistance, provide additional protection for your vehicle against accidents, theft, fire, natural disasters, etc.

Comprehensive two-wheeler insurance is particularly important for expensive bikes and scooters, where repair and replacement costs can strain your finances significantly.

Many insurers offer specific benefits and coverages for different vehicle types, modifications and usage patterns.

Having valid insurance also ensures smooth claim settlements and legal compliance during traffic violations or third-party claims.

Conclusion

The choice between a motorcycle and a scooter eventually depends on your individual requirements, riding behaviour and budget. Consider your daily travel distance, skill level, comfort and maintenance capabilities before making your final decision.

While you evaluate the pros and cons of bikes vs scooters for your specific needs, remember to protect your investment and your rides with a comprehensive two-wheeler insurance. Let us help you stay financially and legally covered during any unforeseen incidents. Fill out the form provided on this page to get two-wheeler insurance tailored according to your budget, everyday needs, and add-on preferences.

FAQs

• Do two-wheeler insurance premiums differ between bikes and scooters?

Yes, insurance premiums vary based on engine capacity, vehicle value, age and risk assessments. Scooters usually have lower premiums due to lower engine capacity and accident severity. High-performance and sports bikes attract higher premium rates.

• Which vehicle offers better resale value: a bike or a scooter?

Bikes generally maintain better resale value, especially popular brands and models with good maintenance records. Scooters depreciate fast, though well-maintained premium scooters can retain reasonable value in the used vehicle market.

• What insurance add-ons are available for bikes and scooters?

Insurance add-ons for two-wheelers include zero depreciation, engine protection and roadside assistance. However, some insurers offer specific covers like helmet and riding gear protection for bikes, and anti-theft devices coverage for scooters. Please contact your insurance provider for more details.

• What safety gears are recommended for bike and scooter riders?

Both vehicle types require ISI-certified helmets as mandatory safety gear. Bike riders who travel long distances and hilly regions frequently should also consider additional gear like knee guards, gloves and jackets.

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

A rider being stuck in the middle of a road with a malfunctioned two-wheeler is a common sight these days. There is a high probability that you may find yourself in a similar situation where you would need urgent help from someone to rescue you from that situation. Calling up the mechanic from your regular two-wheeler garage will be the first thing that you would consider. However, it is more likely that you might be stuck in an area that is far away from where your regular garage is situated.

Read on to know the benefits of roadside assistance cover in your two wheeler policy?

Thankfully, you can escape from all the hassles by simply dialling a number. Dial the roadside assistance number offered by your two-wheeler insurance provider and help will reach you shortly. With roadside assistance as an add-on feature along with your comprehensive two wheeler insurance, there would be help at hand for minor repairs, towing, refuelling, rectifying flat tyre, etc.

How roadside assistance works

To avail roadside assistance you simply need to call your insurance company, and they will ensure that help reaches you as soon as possible. Usually, most of the roadside assistance services are free, but you need to pay for the costs of some of the services involved. For example, if your two-wheeler has run out of fuel, refuelling cost would be on you.

However, if your two-wheeler needs to be towed to the nearest network garage, then the towing cost would normally be included in your policy coverage. Your insurance company may have capped the towing charges. Any towing charge over and above the amount that’s payable by the insurance company would have to be borne by you.

How much does roadside assistance costs

The cost of roadside assistance depends largely on the age of the two-wheeler. For a new vehicle, roadside assistance may come as a complimentary service. In the case of older two-wheelers, your insurance company may either build the cost into the premium and offer the service as a standard package or charge the premium separately and provide it as an add-on service. Your insurance company may also cap the number of roadside assistance services during the policy period.

You should hope you are never caught in a situation where you are in an area that you do not routinely visit and are stranded, as there is a breakdown of your two-wheeler. It is specifically for such situations that it is advisable to opt for roadside assistance as an add-on facility with your two wheeler insurance policy. It is not just about breakdowns. You may need assistance after an accident, and there is no better help than the roadside assistance facility offered by your insurer.

Conclusion

A roadside assistance cover is much more than an add-on feature, it is a crucial safety net for the rider. In case of a sudden breakdown, fuel shortage, or tyre issue, RSA ensures you’re never stranded. While choosing your bike insurance policy, especially if you’re upgrading from a basic third party bike insurance, consider investing in a comprehensive plan with RSA. It offers not just protection but also confidence and convenience every time you hit the road.

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

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

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

Tips to increase the fuel efficiency of a two-wheeler

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

A STEADY RIDE

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

SWITCH OFF WHEN IDLE

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

MAINTAIN RECOMMENDED AIR PRESSURE

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

SHIFT TO THE HIGHEST GEAR

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

GOOD QUALITY FUEL

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

Importance of fuel efficiency in bikes

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

Conclusion

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

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

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

Updated on 8 Dec 2025

Two-wheelers are one of the most convenient and cost-efficient modes of commuting. Their ability to cut through long traffic and narrow lanes allows you to reach your destination quickly. However, there’s no denying the fact that even though bikes and scooters are fast and fuel-efficient, they are riskier than cars. According to the Insurance Information Institute, a two-wheeler accident is 30 times more likely to cause the rider’s death than other vehicles. Therefore, following road safety rules and tips will not only help two-wheeler owners avoid accidents and be more responsible citizens, but also help them enjoy a stress-free ride.

This blog provides tips for driving two-wheelers safely and the importance of following safety measures.

Importance of following safety measures while riding a two-wheeler

Following safety measures while riding a two-wheeler prevents serious accidents and protects both your life and the lives of other road users. Bike and scooter riders face higher risks of fatal accidents compared to car drivers because they lack the protective shell that surrounds four-wheelers.

When accidents happen, riders face direct impact forces due to collisions or falls. Safety measures like wearing protective gear, keeping your bike in good condition and complying with traffic rules can significantly reduce accident risks and injury severity, for all three - you, pillion and third-party.

In India’s traffic conditions, where motorcycles and scooters share roads with buses, trucks and heavy vehicles, following safety guidelines becomes even more critical. These measures also help you avoid legal penalties and insurance problems during claims.

Essential tips for two-wheeler riders

Here are eight tips that you can easily adapt to your daily riding routine to stay safe:

1.     Always wear a helmet while riding

Protecting your head from injuries is of utmost importance, as brain damage can be life-threatening. The Motor Vehicles Act, 2019, has mandated that all two-wheeler riders and pillion passengers wear an ISI-certified helmet with a thickness of 20-25mm. Not doing so can attract a fine of INR 1000. Repeated violations can lead to a driving licence suspension for three months.

2. Make yourself visible

Even the largest of bikes is the smallest vehicle on the road. Therefore, it’s crucial for the riders to make their motorcycle visible to drivers of larger vehicles, like buses, trucks and SUVs, so that they can maintain a safe distance between them. You should particularly stay away from the blind spots.

Additionally, you can install reflective bands on either side and the back of your two-wheeler, and wear bright coloured clothes and helmets to make yourself visible in low-light areas or remote highways.

3. Maintain a safe distance from other vehicles

Keep a safe distance from other vehicles to prevent a collision if they suddenly apply brakes or change lanes. Try to maintain a two-second space behind the vehicle in front under ideal conditions and increase to three or four seconds in low visibility, rain and when following larger vehicles. It is the minimum reaction time you need to stop safely.

Also, avoid overtaking until you are given a pass by the vehicle ahead of you. Never try to cut through the space left between two moving vehicles, as it could result in a lethal accident.

4. Ride what you can handle

Though sporty bikes with powerful engines can fascinate you, you should avoid riding them unless you are an expert. Instead, you should pick a motorcycle that you can easily handle, suits your physical strength, and fits your budget. If a motorcycle with so many gears seems challenging, riding and manoeuvring scooters is relatively easy.

5. Wear proper safety gear

Before taking your performance motorcycle out for adventure rides, hill driving or long road trips, you must wear adequate safety gear, including elbow guards, knee guards, a jacket, a helmet (Bluetooth preferably) and shoes. They will protect you from any severe injury in case of an accident.

Also, make sure that no part of your clothing or accessories is dangling while riding, as it can get stuck in the wheels and result in a fall.

6. Avoid riding in bad weather conditions

Unpleasant weather conditions, such as heavy rains, snowfall or strong winds, increase the chances of road accidents, especially in hilly regions. Roads may become slippery during such situations, and you may find it challenging to balance the two-wheeler. Therefore, avoid riding a bike during harsh weather conditions unless it’s absolutely necessary.

In unavoidable situations, keep your headlights and indicators on while riding to notify other drivers ahead and behind you.

7. Maintain your bike well

Proper maintenance is essential for your motorcycle. You should get your bike serviced at least once every six months or follow the manufacturer’s service schedule.

Alternatively, personally inspect the condition of the tyres, air pressure, brakes, horn, clutch, suspension and lights before every ride. This way, you not only reduce the chances of an accident but also maintain your bike’s performance.

8. Invest in a two-wheeler insurance

Every vehicle on Indian roads must have at least a valid third-party bike insurance. Investing in a comprehensive two-wheeler insurance plan will give you optimal protection as it safeguards you from incurring financial losses due to theft or damage to your bike.

Role of bike insurance in ensuring safety while riding a two-wheeler

Physical measures protect you during riding, but bike insurance provides financial safety that adds another layer of protection. Valid third-party bike insurance covers injuries to other people and damages to their property in case of accidents involving your vehicle.

Comprehensive bike insurance offers broader protection by covering your vehicle’s repair and replacement costs in case of fire, theft, vandalism and natural disasters. Some insurance companies also help you fight legal battles in case of third-party claims. Specific add-ons with a comprehensive policy provide road assistance like towing and battery recharge.  Cashless repairs and medical aid benefits can help you save more.

Bike insurance also incentivises responsible riding habits, as maintaining a claim-free record brings benefits like No Claim Bonus, which provides up to 50% discount on premiums.

This end-to-end financial security lets you enjoy your two-wheeler riding without worrying about sudden financial expenses.

Conclusion

The tips shared in this blog work as basic guidelines for every two-wheeler owner to ride safely on Indian roads. They are not mere suggestions, but tested life-saving practices. Defensive riding, staying visible to other vehicles and getting proper insurance coverage can protect you from physical and financial harm.

While you take the effort to improve your ride and maintain your bike, let us take the initiative to financially and legally care for you. Get tailored two-wheeler insurance online with relevant add-ons that suit your riding needs and budget by filling out the form provided on this page.

FAQs

• How to apply the two-second rule?

When behind a moving vehicle, choose a fixed point, like a nearby tree or shop, and count “one thousand one, one thousand two” when the front vehicle passes it. You should reach the same point only after finishing the count. This gives you enough time to brake safely.

• What bike insurance add-ons are suitable for long-distance travellers?

For long trips, consider roadside assistance coverage for emergency towing and repair services, personal accident cover for medical expenses and an engine protection add-on for damages caused by waterlogging or breakdown. Zero depreciation cover also helps get full claim amounts for parts replacement, which is typical in long journeys.

1. What is personal coverage and how to get it?

Personal coverage in bike insurance compensates the rider and the pillion passenger for medical expenses, including ambulance, hospitalisation, disability or death, due to injuries sustained in accidents. While some insurers include personal accident cover in the comprehensive plan, others offer it as an add-on.

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.

Your motorcycle tyres are the only contact point between you and the road. So, it plays an important role in maintaining balance and control. The tread design of the tyres directly affects safety, fuel efficiency and riding experience. Understanding different tyre tread designs will help you make informed decisions about tyre replacement and maintenance.

This blog explains what tyre tread designs are, their importance, and the different types.

What are tyre tread designs?

Tyre tread designs refer to the patterns of grooves, channels and raised rubber sections on your tyre’s surface. These patterns are carefully engineered components that determine how your bike performs on different road surfaces. The tread design includes circumferential grooves that run around the tyre, lateral grooves that cross the tyre width, and solid rubber blocks called lugs.

Between these lugs are spaces called voids that allow the tread to stretch and grip the road. Modern bike manufacturers use advanced technology to create tread patterns that optimise traction, water dispersion, heat management and wear resistance.  The depth and arrangement of these patterns influence your braking and puncture resistance and cornering stability.

Importance of tyre design in two-wheelers

Tyre tread design plays a critical role in two-wheeler safety because motorcycles rely entirely on two small contact patches for stability. This means that, unlike cars that have four wheels, two-wheelers cannot compensate for poor traction from one tyre.

The tread pattern determines how well your tyres push water away during monsoons, grip uneven surfaces, and maintain contact during emergency braking.

In regions with diverse road conditions, from smooth highways to pot-holed, riddled city streets, the right tyre tread can prevent skidding or loss of control.

Proper tread patterns also improve fuel efficiency by reducing rolling resistance and extending tyre life through even wear distribution.

Types of tyre tread patterns

Tyre tread designs fall under three main categories. They are:

1.     Symmetrical tyre tread pattern

This tyre tread design features identical designs on both sides of the tyre’s centreline. These tyres can rotate in either direction and offer consistent performance regardless of mounting position. They are long-lasting, provide balanced dry and wet weather performance, and are ideal for everyday commuting.

2.     Asymmetrical tyre tread pattern

In an asymmetrical type, both sides of the tyre tread are dissimilar in design. The outer side usually features larger tread blocks for better cornering grip, whereas the inner side has more grooves for water drainage. This offers better traction on flat-out roads. They are popular on sport bikes and premium motorcycles.

3.     Directional tyre tread pattern

This tread design creates a V-shaped groove that only works when rotating in one specific direction. This pattern excels at channelling water away, while providing straight-line stability at high speeds. They are common in sports bikes and touring motorcycles.

Choosing the right tyre tread for your bike

Selecting the appropriate tread pattern must depend on your riding habits, weather conditions in your region, and bike specifications. Here are a few tips:

• Choose asymmetrical patterns for daily commuting and mixed road conditions. These treads offer reliable performance and good value, while handling light rain adequately in normal riding speeds.
• Opt for asymmetrical patterns if you frequently ride on highways and enjoy spirited cornering. They provide better high-speed stability and cornering confidence for performance-oriented riders.
• Select directional tread designs for heavy monsoon riding or long-distance travelling. They provide excellent water evacuation, which significantly reduces the risk of tyres losing contact with the wet road surface or floating in flood water.
• Consider the bike’s power outage and frequently used roads. Deeper treads may be helpful for rough roads with debris, as they prevent puncture, while low-profile treads can improve fuel efficiency on smooth highways.

Role of tyre conditions in comprehensive bike insurance claims

Tyre conditions can significantly influence comprehensive bike insurance claims. Insurers assess tyre maintenance when processing accident claims, as worn or inappropriate treads can cause mishaps.

If the investigating officer finds out that poor tyre condition caused or worsened an accident, your claim might face partial or complete rejection.

Conversely, well-maintained tyres with appropriate tread depth keep your No-Claim Bonus (NCB) intact as they reduce the risks.

Many insurers offer tyre protection add-ons that cover punctures and sidewall damage, but these typically exclude normal wear and tear. Check your policy wording for the complete list of inclusions and exclusions.

Conclusion

Tyre tread designs are not merely aesthetic choices but are crucial safety features that determine your riding experience and survival on various roads.

Worn treads not only increase accident risks but also complicate insurance claims when you need financial protection the most. Therefore, regularly maintain your tyres and replace them when the treads lose their paper trail.

While you make an effort to improve your ride with the right tyres, remember to protect your bike with two-wheeler insurance. Allow us to financially and legally safeguard you during an unforeseen incident. Get bike insurance online with relevant add-ons tailored to your everyday needs by filling out the form provided on this page.

FAQs

• Can I mix different tread patterns on front and rear tyres?

You can use different tread designs for front and rear tyres as long as they are compatible with your bike’s specifications. Check with an authorised service centre before making any decisions.

• What is the right time to replace a tyre with a worn-out tread?

It is recommended to replace your bike tyre when the tread depth reaches 1-2 mm.

• How does tread depth affect my comprehensive bike insurance premium?

Insurance providers might offer discounts on premiums for well-maintained bikes with adequate depth because they pose lower risks. However, worn tyres with insufficient tread can lead to claim rejections if they contribute to accidents, which could increase your premium significantly. Talk to your insurer for more details.

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.