Have you been trying to find out which is the best light weight scooty in India? Finding the best light weight scooters in India is important for commuters, especially if they are regular users. These scooters are highly efficient, agile, and affordable. They are also perfect for easy riding across busy metropolitan streets. Let us find out which is the best lightweight scooty for you.

7 Light Weight Scooty

The fascination for the most light weight scooter in India continues to grow, mainly due to their ease of handling and fuel efficiency. Here is a closer look at seven of the most lightweight scooter in India —

1. Odysse Electric V2:

This electric scooter leads the charge with its innovative design and technology. The Odysse Electric V2 is available in two variants: Race Lite V2 and V2+ — each is designed to offer a unique riding experience. Its strong 1.3 KW battery can run at 25 km/h maximum speed and an impressive range of 150 km per charge. The waterproof motor and anti-theft lock system of this scooter provide additional security. The spacious boot area makes this scooter a great option for commuters who require more space. Apart from these, its cheap maintenance costs and energy efficiency help to explain why environmentally aware riders choose the Odysse Electric V2.

2. Hero Electric Optima CX 2.0:

Armed with a 1200 W brushless motor, the Hero Electric Optima CX 2.0 gives priority to performance together with environmental friendliness. Its top speed of 48 km/h and range of 89km per charge promise a comfortable trip. With a frame weight of just 93 kg, it is agile and easy to control in crowded city streets. The 2 kWh battery of is guaranteed to be reliable and has a four-year warranty, per the manufacturer. An anti-theft alarm system and regenerative braking are the two additional elements that increase its appeal and functionality.

3. TVS Scooty Pep Plus:

This two-wheeler is designed for young women and those who have never ridden two-wheelers before – it is a lightweight scooter with a sensible form. Less than 95 kg in weight, its engine runs on 87.8 cc. The fact that one can ensure sufficient mileage on daily trips adds yet another benefit. Its colourful look and simple design, together with its contemporary features—a USB charging port and a side stand alert — make it ideal for the younger generation that values form above use. Apart from a reasonably priced ride, the Scooty Pep Plus claims roughly 65km/l fuel economy. It also includes light-emitting diode daytime running lights (DRLs), which significantly raise daily riding safety.

4. Bounce Infinity E1:

The Bounce Infinity E1 is unique as it can be purchased either battery pack-equipped or without. The company allows consumers to rent the battery, thus purchasing the scooter for a lower amount. For a lot of people, this novel way simplifies buying an electric scooter. Its 1.9 kWh battery allows a run up to 65 km/h with a 70km range in one charge. Its high-tech characteristics include a fully LED lighting system, remote tracking system, and many riding modes to suit different urban environments and personal preferences.

5. Suzuki Access 125:

The way this scooter is built blends great performance with utility. With a fuel economy of 52 kmpl and a maximum speed of roughly 90kmph, the 124 cc engine of the Suzuki Access 125 offers just the correct power level without compromising efficiency. It boasts all the newest technologies, including Bluetooth, which lets riders handle calls and music without the need to stop. There is a large under-seat storage space and an optional external gasoline filler for daily convenience. Its simple design also makes starting easy, especially in chilly weather.

6. TVS Scooty Zest 110:

With a 109.7 cc engine that enables quick acceleration, a pleasant ride, and a maximum speed of about 80 kmph, the TVS Scooty Zest 110 is a fashionable and useful scooter. Among its several ergonomic aspects are a seat with two textures to reduce pressure points and encourage optimal comfort on long rides and a lit speedometer. For all your shopping and running errands needs, it has one of the biggest under-seat storage capacities in its class. The scooter's quick braking mechanism and lightweight construction make it easy to use and provide exceptional control.

7. Honda Activa 6G:

Riding the Honda Activa 6G appeals to many people due to its dependability and simplicity of control. Both strong and fuel-efficient, its 109.51 cc engine can run up to 50 kmpl. A telescopic front suspension and a three-step adjustable rear suspension are two of the many improvements to the ride quality and comfort that are part of the newest model's suite of enhancements. Modern conveniences found on the Activa 6G include an exterior fuel lid and an engine start/stop switch. For a more peaceful start, a silent starter has been installed, and for added security, lowering the side-stand cuts off the engine.

Navigating No Claim Bonus (NCB) benefits is not just about selection. It involves strategic planning to lower your insurance costs while maximising its potential through claim-free years.

How to Select NCB in Two-Wheeler Insurance

Understanding how to select NCB in bike insurance involves knowing its nuances:

1. Earned, Not Selected:

NCB is automatically granted after a claim-free year to reward cautious riders.

2. Renewal Benefits:

Utilising NCB at renewal time can significantly reduce your premium costs. This makes it a valuable cost-saving aspect of bike insurance.

Conclusion

While NCB is not something you select, managing your two-wheeler insurance claims wisely ensures you benefit from this reward. It will also lead to substantial savings on your premiums over time.

Updated on 9 Dec 2025

A bike pollution certificate, also known as a PUC (Pollution Under Control) certificate, is a legal document that confirms a bike meets the government’s emission standards. In India, it is mandatory for bike owners, as it helps control harmful emissions and maintain cleaner air. Without it, you may have to pay a fine during traffic checks. Obtaining this certificate costs a very small amount.

In this blog, you will learn about the price of a bike pollution certificate and why it is important to renew it and its comprehensive two-wheeler insurance on time.

What is a PUC certificate?

Every biker must consider the environmental impact they make while navigating their bike through city traffic. Hence, they need to know about the PUC certificate. Bike PUC certificate price is a document that is not just mandatory, it symbolises a commitment to cleaner air by paying a small fee. Let’s understand how to obtain this certificate and the PUC certificate charges.

Importance of PUC certificate for bikes

A PUC certificate confirms that a bike’s emissions are within the permissible limits, indicating that the engine is functioning properly and not adding excess pollution to the air. It is both a legal requirement and a step towards protecting the environment and public health. Riding without a valid PUC certificate can result in fines and also means the vehicle may be contributing to air pollution. Keeping the certificate updated helps meet government regulations while supporting cleaner air for everyone.

How is PUC certificate price determined?

The price of a PUC certificate is usually fixed by the transport department or local authorities, not by the testing centre. The cost depends on the type of vehicle you own, such as a two-wheeler, car, or commercial vehicle, and the kind of fuel it uses, like petrol, diesel, or CNG. In most cases, two-wheelers have the lowest fee, while larger vehicles like trucks or buses may have a slightly higher fee because their testing is more detailed. The fee is kept low so that all vehicle owners can afford to get their certificate on time. This fee is to help you get the emission certificate.

Pollution under control (PUC) certificate charges for bikes

PUC certificate price ranges from INR 60 to INR 100. PUC certificate cost varies by vehicle and fuel type, as well as by the state. The bike PUC price supports efforts to effectively monitor and manage pollution levels across different regions.

Conclusion

Obtaining an emission certificate is necessary for both legal safety and environmental protection. The cost of this certificate is minimal, so that every rider can get it without much burden. Since the test is quick and the fee is low, there is no reason to delay it. By keeping your certificate updated, you not only protect the environment but also make sure you can ride your bike freely without any legal troubles.

To avoid legal problems, you should also maintain your two-wheeler insurance. To know in detail, you can fill out the form on this page, and experts will guide you about the plans that you need.

FAQs

• What is the cost for the PUC test?

The cost of this test varies depending on the city; however, it typically ranges between INR 60 and INR 100, which is very affordable.

• What is the validity of the PUC test?

If you have a new bike, the emission test is valid for one year, and for older bikes, you have to keep renewing them every six months.

• Where can I do the PUC test?

You can do it from any centre that is authorised to do it, which might be available at your nearest petrol pumps.

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.

Thinking about how to find the chassis number of the bike? It is your motorcycle's unique identifier - needed for registration, insurance claims, and confirming authenticity. Let us see how to easily find the bike chassis number online.

How to find the bike's chassis number?

Follow these steps to find the bike’s chassis number:

Check the frame:

Usually, a metal plate on a bike's frame will have the chassis number etched, stamped, or embossed into it. The most common location is next to the front fork, on the steering head or neck.

Inspect the engine:

If the chassis number is not visible on the frame, it might also be marked on the engine. This alternate location can be helpful if the frame marking is obscured or worn out.

How to find the chassis number of the bike online?

To find the chassis number online, follow these steps:

Manufacturer's website:

Enter your bike's information, registration, or engine number on the manufacturer's website. Many manufacturers offer a VIN lookup option to find the chassis number.

Service records:

Digital service records or emails from your bike's manufacturer or dealer might also include the chassis number.

How to check the engine number of a motorbike?

Just like the chassis number, the engine number is another unique identifier. It is usually stamped or engraved directly onto the engine block.

To locate it:

• Look at the engine casing, typically on the lower part of the engine
• Refer to the bike’s RC, insurance papers, or owner’s manual
• If the number is hard to read, gently wipe the surface with a clean cloth

The engine number is essential for service records, insurance claims and when filing a police report in case of theft or loss.

Conclusion

Stop wondering now, "Where do I look to find my bike chassis number?" Always remember to get two-wheeler insurance for financial coverage against bike accidents, damage, and theft. Whether you’re opting for a basic plan or comprehensive bike insurance, these numbers are an important part of the identification process. Always keep a copy of these details stored digitally and physically—they could save you time and hassle when you need them the most.

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

The number one factor that attracts bike enthusiasts is a particular bike's speed. If you are a bike enthusiast, you are probably looking for the fastest bikes in the world currently.

Let's look at the list of the fastest motorbikes in the world.

World's Fastest Bikes

1. Dodge Tomahawk

One of the fastest motor bike in the world, the Dodge Tomahawk can go from 0 to 60 mph in 2.5 seconds. The Dodge Tomahawk, first unveiled by Dodge in 2003 at the North American International Auto Show, grabbed attention as the first of its kind.

Originally introduced as a concept, it later became available in limited production. Powered by a 500-horsepower 8.3-liter V10 engine borrowed from the Dodge Viper, the Tomahawk stood out for its unique design. With four wheels, experts still debate if it truly qualifies as a motorcycle despite resembling one. The independent suspension of the front and rear wheels allows the Tomahawk to lean into corners similarly to a motorcycle, making it a striking vehicle for speed.

2. Kawasaki Ninja H2R

The Kawasaki Ninja H2R stands out as one of the fastest motorbike on earth, capable of reaching speeds of up to 400 km/h (approximately 249 mph). Equipped with a 998cc supercharged inline-four engine, this bike is linked to a 6-speed gearbox. The Ninja H2R delivers a maximum power output of around 310 horsepower (with a ram air effect, this can reach up to 326 horsepower) at 14,000 rpm and 165 Nm of torque. The bike is available in just one variant, specifically designed for track use. The Ninja H2R features an 830mm seat height, a 1,450mm wheelbase, and 130mm ground clearance, contributing to its impressive performance and aerodynamic design.

3. Kawasaki Ninja H2

The Kawasaki Ninja H2, frequently touted to be the most fastest motorbike in the world, is priced at Rs. 79.90 lakhs. It comes in a single variant with one color option. It features dual semi-floating front disc brakes and a rear disc brake for enhanced safety. Powered by a 998cc supercharged inline-4 DOHC engine, it produces 228 hp and can reach a top speed of 322 km/h. The bike generates a maximum torque of 123 to 133 Nm

4. 2000 MTT Y2K Superbike

MTT created the first turbine-powered street-legal motorcycle and one of the most powerful production bikes in the world, the MTT Y2K Superbike. The first generation Y2K was equipped with a Rolls-Royce Allison gas turbine engine that produced more than 320 horsepower and 425 ft/lbs of torque. The top speed was recorded at 365 km/h. The MTT Y2K holds two Guinness World Records:

• The most expensive production motorcycle (at the time).
• The most powerful production motorcycle.

MTT engineers and manufactures these bikes in-house, fabricating them from solid billets with minimal reliance on external vendors.

5. Lightning LS-218

The Lightning LS-218, the fastest production bike, has a top speed of 351 km/h. It can accelerate from 0 to 60 mph in less than 2 seconds. With a DC fast charger, it can charge in as little as 30 minutes. The bike features Brembo brakes, with dual discs at the front and a single disc at the rear. It also has a liquid-cooled direct-drive electric motor, producing 227 Nm of torque and 202.78 bhp of power.

6. 2021 Suzuki Hayabusa GSX1300R

The 2021 Hayabusa introduces several updates while retaining much of its original design. Suzuki kept the same 1340cc inline-four engine, famous for its powerful midrange performance and durability. Unlike other modern bikes, the 2021 Hayabusa doesn't include variable valve timing, unusual firing intervals, or forced induction. Although Suzuki considered other engine designs, they ultimately chose to stick with their reliable architecture. For 2021, they focused on making the engine more durable, upgrading the electronics, and improving power and torque delivery, especially at lower speeds. The bike also meets Euro 5 emission standards.

7. BMW M 1000 RR

The BMW M 1000 RR is another top contender among the world's fastest bikes, capable of reaching a top speed of 306 km/h. The BMW M 1000 RR comes in two variants:

• The M 1000 RR Standard
• The M 1000 RR Competition

It features a 999cc inline-four engine paired with a six-speed gearbox and offers a fuel efficiency of 15.3 kmpl.

8. Aprilia RSV4 Factory

The Aprilia RSV4 Factory starts at approximately Rs. 21.26 lakh. It is equipped with a 1099cc BS6 engine that produces 217 bhp of power and 125 Nm of torque. The bike has a sporty design with a kerb weight of 202 kg and a fuel tank capacity of 17.9 liters.

Conclusion

In this blog, we have discussed a list of the fastest motor bikes in the world and their features in detail. Remember, no matter what bike you buy, it is imperative to protect yourself with adequate two-wheeler insurance. This is also a mandatory requirement in the country.

When identifying any vehicle, two critical numbers become the hot topic of discussion. They are the chassis number and the VIN (Vehicle Identification Number). Knowing and understanding the difference between chassis number and VIN is necessary for the registration, resale, tracking, and safety purposes of a vehicle. Although their objectives are the same, chassis number and VIN are different based on some factors.

What is chassis number in bike?

The chassis number in a bike is a unique identification code assigned to the bike's frame by the manufacturer. It helps in identifying the make, model and year of manufacture of your two-wheeler. This number is important when registering the vehicle, claiming warranty and also when buying or renewing your bike insurance.

What is VIN in bike?

The Vehicle Identification Number (VIN) is a 17-character alphanumeric code that is a complete identity of your bike. It includes information about the manufacturer, engine type, place of manufacture and other key specifications. The VIN often includes the chassis number and can be found on the steering head, engine casing or registration documents of the bike.

When applying for bike insurance, especially comprehensive bike insurance, insurers require the VIN to correctly identify the vehicle and assess the premium based on its specifications.

What's the difference between a VIN and a chassis number?

The following are the differences between chassis numbers and VIN:

• Definition:

VIN refers to a Vehicle Identification Number. Each vehicle receives this unique 17-character code at the time of its manufacture. This code provides valuable information about the car, such as the model and year it was made.

The chassis number is an abridged code that tracks down a vehicle's frame or chassis.

• Format:

The format of a VIN is standardised and includes a combination of 17 alphanumeric characters. It is integrated according to an international format in letters and numbers.

The format of a chassis number may be variable. It depends on the maker and, of course, the age of the vehicle.

• Purpose:

Another difference between VIN and chassis numbers is based on their usage or purpose. The VIN is used globally for vehicle registration, insurance, and tracking. It provides the overall history of the vehicle.

On the other hand, the chassis number is mainly used for identification and tracking purposes in specific contexts or regions.

Conclusion

The difference between VIN and chassis number lies in their format and standardisation. Remember that the chassis number is a part of the VIN, and the last six digits of a car's VIN form its chassis number. While it is important to know about vehicles and their make, it is equally vital to get two-wheeler insurance to get financial protection in case of accidents, damage, and theft.

Updated on 10 Dec 2025

Let us help you better understand how to decode a bike VIN, methods to verify it, and its role in bike

Checking a motorcycle VIN is vital for verifying critical details about your bike, including accident history, ownership changes, and theft records. This unique code on the bike’s frame, engine case, or steering neck simplifies legal processes and appears on all official documentation, including two-wheeler insurance and RC. Beyond simple verification, VIN checks reveal manufacturing specifications, recall notices, and potential liens that could affect resale value or legal ownership.

What is a Vehicle Identification Number (VIN)?

A Vehicle Identification Number (VIN) is a unique 17-character code that serves as your motorcycle’s permanent identity number. This unique alphanumeric code sequence contains special information about the manufacturer, model year, production plant, and individual serial number.

The code also helps verify ownership during traffic police verification, prevents purchasing stolen vehicles, and provides access to manufacturer warranty and service records. Dealerships and mechanics rely on VIN to identify correct replacement parts and perform accurate maintenance on your specific motorcycle model.

How to locate the VIN on your bike?

Examine the frame under the handlebars or on the steering neck. The VIN is visible when you turn the handlebars fully on one side. You can also find the number stamped on the right side of the frame near the engine block.

If checking the bike is not feasible, your registration certificate, insurance documents, or owner’s manual will list the VIN.

Importance of VIN for bikes

VIN provides several practical benefits for vehicle ownership and maintenance decisions:

• The VIN confirms your bike’s authenticity and helps identify stolen vehicles through law enforcement databases.
• Insurance companies use the VIN to determine premium rates based on the specific model’s risk profile and theft statistics.
• The code is also necessary to update your motorcycle’s insurance records, so that renewals and claims are smooth.
• It reveals factory recalls and official notices about potential problems, maintenance advice, and other safety updates.
• A simple VIN verification can prevent fraud during private sales by confirming the seller’s legal ownership of the vehicle.

Methods to verify a bike’s VIN

You can use one of the following reliable methods to check your motorcycle’s VIN information:

Check Registration Certificate (RC): The VIN, which also forms the chassis number, is printed on the RC book. You can match the number with the one stamped on your bike.

Visit the Regional Transport Office: RTOs use the National Register Database to verify registration records and confirm ownership.

Use Parivahan portal: Visit the Vahan website or download the mParivahan app. Enter your vehicle registration number to verify the vehicle details, including VIN and engine number.

Contact the vehicle manufacturer: The bike’s authorised service centre or dealer showroom might help decode the VIN to provide details like production year, plant and service history.

Contact insurance provider: Some companies maintain VIN records for policy verification and claim processing. You can cross-check with them.

Role of VIN in bike insurance and claims

The foundation of any insurance policy or claim processing procedure is the Vehicle Identification Number. Insurance companies use this identifier to access your bike’s complete specifications, market value, risk assessment data, and past accident history when calculating comprehensive bike insurance premiums.

It helps avoid confusion if two vehicles have the same model, colour, or registration details.

During claim filing, adjusters verify the VIN against policy records to confirm coverage details and prevent fraudulent claim submissions.

During cashless claims, authorised workshops use the VIN data to determine the appropriate repair costs and find the correct spare parts for your vehicle's exact make and year, ensuring accurate settlement amounts for covered losses.

Conclusion

VIN verification protects motorcycle owners from legal complications, financial losses, and safety risks throughout ownership. This simple verification can help you maintain accurate insurance coverage and avoid problems during renewals, claim settlements and resale transactions.

While you make the effort to keep your vehicle legally compliant by understanding VIN information checks, let us take the effort to protect your vehicle and your ride financially and legally from unforeseen accidents, theft, fire, and natural calamities. Fill out the form provided on this page to get a tailored two-wheeler insurance plan with relevant add-ons.

FAQs

• What should I do if my bike’s VIN doesn’t match the registration?

Contact your dealer immediately to report a discrepancy and avoid legal complications. For a second-hand bike, check with the previous owner. Visit your RTO with your motorcycle, RC, purchase invoice and insurance policy, and file a request to correct the VIN.

• Is it safe to share my motorcycle’s VIN with potential buyers?

Sharing VIN information during legitimate sales is standard practice and helps build confidence. However, avoid posting VINs on public forums where they could be used for identity theft and fraudulent activities.

• Can I get a cashless claim with third-party bike insurance?

No, you cannot get a cashless claim under third-party coverages, as these policies cover only third parties’ injury, death or vehicle damage.

If your bike is damaged, you must bear the repair cost.

The third party can only raise a liability claim against your policy, where settlement is generally compensation money.

To enjoy cashless repairs, you must buy comprehensive bike insurance.

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.

A bike VIN (vehicle identification number) is a necessary code. This unique alphanumeric arrangement helps identify and trace two-wheelers. The VIN number in a bike establishes its legitimacy as a private or commercial vehicle and assists in the registration process.

What is a Bike's VIN?

The motorbike VIN is a 17-character code that contains information about the bike's maker, model, and manufacture year. It's essential for purposes like buying, selling, and insuring a motorcycle.

Knowing your motorcycle VIN ID will help you buy the best available two-wheeler insurance, which provides financial coverage against accidents, theft, and damage. Insurance companies use vehicle identification numbers to determine a bike's risk profile and value.

Conclusion

The bike VIN is a proper arrangement of numbers and letters, each indicating specific information about the vehicle. You can interpret VIN as your motorbike's fingerprint.

With India facing a surge in vehicle registrations and congested roads, adherence to traffic rules becomes crucial. Wrong-side driving, a common violation, contributes significantly to road accidents. This blog delves into the consequences of wrong-side driving in India, emphasising recent changes in the Motor Vehicle Act and the associated fines. Understanding the implications of this wrong side driving fine is essential for fostering a safer driving culture.

Wrong side driving fine for bike

Despite stringent traffic laws in India, wrong-side driving remains a pervasive issue, leading to numerous fatalities and accidents. In 2019, wrong-side driving resulted in 9200 deaths, with 2726 occurring on the National Highways. This menace accounted for 6% of accidental deaths in 2020. In response to these alarming statistics, the Ministry of Road Transport and Highways has amended the Motor Vehicles Act 1988 in India, increasing fines for violations, and amending the wrong side driving fine too.

Driving on the wrong side of the road is met with penalties ranging from ₹500 to ₹1000. This traffic violation is a non-compoundable offence in some states, requiring offenders to appear in court rather than settle the fine on the spot. Additionally, authorities might send riders to prison for up to three months due to wrong-side driving.

The penalty process involves traffic police stopping the offender and checking relevant documents. Traffic police officers might issue a wrong-side driving challan for the violation. If we fail to produce the necessary documents, such as a driver's licence, registration certificate (RC), or pollution under control certificate (PUCC), it will result in additional fines. In cases of disasters such as accidents, it may even lead to the suspension of the driving licence for up to 3 months.

Other violations, such as speeding over the prescribed limit, skipping red lights, driving under the influence, not wearing helmets, using cell phones while driving, etc., can also lead to hefty fines. Always remember to carry the necessary documents while riding your two-wheelers.

Conclusion

Wrong-side driving severely threatens road safety, leading to accidents and fatalities. Recent amendments to the Motor Vehicles Act 1988 have elevated fines for this violation, making it a non-compoundable offence. Adhering to traffic rules is crucial for fostering responsible driving habits and ensuring the safety of all road users. For comprehensive protection, consider securing your bike insurance online today.

Purchasing a car is not a one-time expense. You will need to set aside some of your earnings to cover its operational and maintenance costs. Even minor car damage can result in significant repair bills. But, if you have a comprehensive motor cover, you won't have to worry about maintenance. Insurance provides financial assistance if repair costs are incurred as a result of an accident, fire, or other tragic events. Also, you will be compensated if you lose your car to theft or total damage.

While driving a car, a few incidents are unavoidable; a dent is just one of them. It is critical to understand the claim process to avoid any last-minute hassles.

How to claim insurance for a car dent in India?

Follow these steps to raise a car insurance claim:

• Notify your insurer: Notify your insurer as soon as possible following the accident that damaged your vehicle. You can dial the toll-free number to reach the claim support team.
• File an FIR: If the claim is for theft or an accident, you must file an FIR with the nearest police station.
• Save the claim number: When you submit your claim request, you will be given a claim acknowledgement number. Save this number for future reference. You will need it to track your claim status.
• Inspection: Your insurer will dispatch a surveying officer to assess the extent and nature of the loss. The officer will prepare a report based on his/her evaluation and send it to the claim support team.
• Garage appointment: Following the inspection, you will be given a list of nearby network garages. You can arrange to have your vehicle towed and the repairs completed. You may also visit a non-network garage. In that case, you cannot avail of the cashless claim facility and will have to file a reimbursement claim.

Following the completion of the preceding steps, the insurer will settle the claim.

Documents required for the claim settlement process

Make sure you have the following documents handy to ensure your claim is settled smoothly.

• Submit the duly filled claim application form
• FIR copy is mandatory if the claim is related to accidental damage or theft
• You must provide a copy of your vehicle's registration certificate as well as the driver's licence of the person driving the car at the time of the accident
• If the vehicle in question is purchased on loan, you must obtain a No Objection Certificate from your lender. It will be required as part of the claim procedure.

Factors to consider before filing a claim for car dent

As said, dents are unavoidable. If you file a claim for it, keep the following drawbacks in mind:

• A dent claim will result in the loss of your No Claim Bonus Car Insurance, eventually raising the policy premium during renewal.
• Car insurance comes with a compulsory deductible. You must pay this amount at the time of filing your claim. It makes no sense to go through the claim process if the deductible and claim sum are equal.

Conclusion

If you have purchased car insurance online, making a claim for a dent is a straightforward process when you follow the correct steps and have the necessary documentation. However, always assess whether making a claim is financially beneficial, considering its impact on ncb in car insurance and policy renewal costs. Being informed about all the details of your insurance policy and being proactive while making claims, is the best way to keep your vehicle in the best shape and ensure optimum maintenance of your finances.

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 looking to buy a new bike but worried about the cost burning a hole in your pocket? You’ve come to the right place! No matter which type of rider you are - daily commuter, weekend warrior, and long-distance traveller – there's a two-wheeler for you in the list below, that too under ₹2.5 lakh. And while you’re checking these out, also ensure to research and figure out the right bike insurance policy to protect your new vehicle and you.

Top 5 bikes under ₹2.5 lakh

1. Triumph Speed 400 MY25

If you are looking for a 400cc monster, then don't look any further than Triumph Speed 400 MY25. The motorcycle is priced at ₹2.40 lakh (ex-showroom) and has beautifully blended the classic British design with modern engineering. It offers a great riding experience and fuel efficiency. This updated version gets a span adjustable clutch and brake levers and is now available in four new colours.

2. KTM 250 Duke

This bike offers a lethal combo of performance and style, making it a popular choice among young riders.The robust brakes complement the impressive acceleration. Priced at ₹2.5 lakhs (ex-showroom), it comes with many digital features that enhance the safety quotient. Although it takes design inspiration from the 390 Duke, the colour scheme differs.

3. TVS Apache RTR 310

The TVS Apache RTR 310 would be a great bet for people who love modern features and technology. It makes a formidable entry into the 300cc sports bike segment, and the low-slung front end, muscular fuel tank, traction control, cruise control, and bi-directional quick shifter add to its stature. TVS Apache RTR 310 price starts at ₹2.49 lakh (ex-showroom).

4. Jawa Perak

If you're looking for an attention-grabbing bike that makes heads turn, the Jawa Perak is worth considering. The classic bobber design has ample power for city riding and highway cruising. The bike is meant for lone-wolf personalities since there is no space for a pillion rider. The price for its standard variant starts at ₹2.15 lakh (ex-showroom).

5. Royal Enfield Scram 411

The Royal Enfield Scram 411 is for riders who appreciate Enfield's classic look and comfortable riding and need a vehicle that can handle city streets and light off-road trails. This versatile scrambler offers an enviable blend of style and performance. The lighter kerb weight and smaller front wheel provide a pleasing riding experience. Royal Enfield Scram 411 price starts at ₹2.05 (ex-showroom).

Conclusion

With so many fantastic options available, customers today are spoilt for choice. However, just like you will buy a sturdy helmet and other accessories to protect yourself, shield your vehicle with a bike insurance policy offering a broad coverage scope.

Updated on 10 Apr 2025

A bike's ownership is transferred during the process of selling or buying a two-wheeler. This is a critical process because it ensures that the new owner is legally recognized. Understanding the steps and requirements for transferring bike ownership is essential, as there are legal complications associated with the process.

What is a Two-Wheeler Ownership Transfer?

The transfer of bike ownership is a legally important procedure where the registered name of the owner on the Registration Certificate (R.C.) is officially changed to another name. This process is crucial as it ensures that all legal rights, responsibilities, and liabilities associated with the vehicle are transferred from the seller to the buyer. Failure to complete this transfer can leave the previous owner legally liable for any violations, accidents, or damages involving the bike, even after it has been sold.

The process generally involves notifying the RTO, submitting the necessary documents, and paying the prescribed fees. Additionally, it is equally important to transfer the bike insurance to the new owner's name without any break in coverage. Failure to do so may lead to complications in claims and legal responsibilities, making this step as crucial as the R.C. transfer.

When is Two-Wheeler Ownership Transfer Required?

Transfer of bike ownership in India is mandatory in several cases, including:

1. Sale or purchase of a second-hand bike:

When a pre-owned two-wheeler is purchased, it is essential that the ownership be legally transferred to the buyer. This transfer confirms that the buyer can enjoy all rights and responsibilities concerning the bike.

2. Receiving a two-wheeler as a gift:

If you inherit a bike from your family or receive one as a gift, then the transfer of ownership is crucial for you to become the legal owner of the vehicle.

3. Transfer of ownership within a family:

When ownership is transferred within the family - for example, between parents and children or siblings - the records should be cleared legally to ensure correct ownership.

4. Moving out of state:

If you move to a new state with your motorcycle, a transfer of ownership is required to get a new registration and follow the regulations in your new residential area.

Bike Ownership Transfer Cost

The cost of bike ownership transfer will vary according to the state and case. It is generally categorised as:

• Transfer Fee:

This is the general underlying fee that the RTO charges for processing the transfer. It ranges between Rs. 300 and Rs. 500.

• Road Tax:

If the bike is transferred to another state, the road tax to be paid in the new state will depend on its age, model, and state rules regarding the bike.

• NOC Charges:

In the case of transferring the bike to another state, obtaining a No Objection Certificate (NOC) from the original RTO may incur an additional charge of approximately Rs. 200 to Rs. 500.

• Hypothecation Removal Charges:

In the case of loaned bikes, the process of transfer would also involve the removal of hypothecation, which may require an additional charge.

Check the exact amount from the concerned RTO or through a professional so that no extra and undue costs arise later.

Documents Required for Bike Ownership Transfer

The following documents are needed for the bike ownership transfer process:

• Form 29 and Form 30:

This is available at RTO, and should be signed by both the seller and buyer.

• Original RC:

You must carry the original Registration Certificate of the bike.

• Bike Insurance Policy:

The bike insurance policy should be transferred in the name of the new owner, or a new policy must be obtained.

• PUC Certificate:

A valid PUC certificate is to be provided.

• Address Proof:

Provide address proof documents for both the buyer and seller, such as an Aadhaar card, voter ID, or passport.

• Proof:

Identity proof in the form of a PAN card, driving licence, or passport is mandatory.

• Passport-Size Photographs

Recent passport-sized photos are a must.

• No Objection Certificate

An NOC from the original RTO is required if the transfer is carried out to another state.

Bike Ownership Transfer Online: A Step-by-step Guide

Transfer of bike ownership online has been made more convenient and time-saving. Here is a step-by-step guideline on how to transfer bike ownership online:

• Visit the official website of Parivahan. And click on 'Vehicle Registration'.
• From the menu, click on 'Vehicle-Related Services', then enter the registration number of the bike.
• Select 'Transfer of Ownership'.
• Scan and upload the required documents along with Form 29 and Form 30, I.D. proofs, and bike insurance.
• Pay the necessary fee and schedule the appointment with the RTO for document verification.
• On the fixed date and time, visit the RTO office with the original documents.
• A confirmation email will be received after document verification. Following this, the new Registration Certificate (R.C.) will be dispatched in favour of the new owner.

Documents Required for Transfer of Ownership of Two-Wheelers in Case of Owner’s Death

If the owner of a two-wheeler passes away, the legal heir must follow the ownership transfer process by submitting the following documents:

1. Death certificate – Proof of the owner's demise
2. Legal heir certificate – Establishes the successor's right over the vehicle
3. Succession certificate (if applicable) – Required if there is a dispute over ownership
4. RC of the bike – Original Registration Certificate
5. Insurance policy – Ensures the vehicle is covered
6. PUC certificate – Ensures compliance with emission norms
7. Form 30 & Form 31 – For transfer of ownership in case of death
8. Address proof of the legal heir – Aadhaar, Passport, or other valid ID

How to Apply for Two-Wheeler Ownership Transfer Offline

The procedure for bike ownership transfer in offline mode is as follows:

• Visit Local RTO:

The bike owner is required to visit the local RTO where the bike is registered, bringing all the relevant documents.

• Forms:

Form 29 and Form 30 must be obtained from the RTO office or can be downloaded from the official RTO website.

• Fill out the Forms:

The correctly filled forms should be attached with passport-sized photographs.

• Submission:

Submit the filled-in forms along with the original Registration Certificate (R.C.), bike insurance, PUC certificate, identification proof, and address proof.

• Pay Fees:

At the RTO office counter, pay the required fee, which includes the transfer fee for ownership, any card issuance fees, and, in some cases, applicable road tax.

• Document Verification:

The documents are verified by the RTO official. In some cases, a physical examination of the bike may also be conducted.

• Get a receipt:

A receipt will be generated after payment completion, which serves as proof of the transfer application.

• Collection of the updated R.C.:

A new Registration Certificate (R.C.) in the name of the buyer is either dispatched to the buyer's registered address or can be collected from the RTO.

FAQs on Bike Ownership Transfer

1. How long does the ownership transfer process take?

The process usually takes 15-30 days, depending on the RTO and document verification.

2. Can I transfer ownership without valid insurance?

No, valid bike insurance is mandatory for the ownership transfer process.

3. What happens if I don’t transfer ownership after selling my bike?

The previous owner will remain legally liable for any future accidents or violations.

4. Is a NOC required for bike ownership transfer in the same state?

No, NOC (No Objection Certificate) is only required for interstate transfers.

5. Can I apply for ownership transfer if the bike has pending fines?

No, all pending fines and taxes must be cleared before ownership transfer.

6. Can I transfer my third-party insurance policy when changing vehicle ownership?

Yes, the third-party insurance policy linked to the vehicle can be transferred when ownership is changed.

7. Which form is used as the No Objection Certificate (NOC)?

Form 28 serves as the official No Objection Certificate for ownership transfer.

8. Where can I obtain Form 28 for the No Objection Certificate?

Form 28 can be downloaded from the official RTO website. After filling out the form, submit it along with other necessary documents at the RTO. The NOC will be granted after police verification and audit clearance.

9. Can I transfer the NCB benefits of my vehicle’s insurance when transferring ownership?

No, the No Claim Bonus (NCB) cannot be transferred to the new owner during the bike ownership transfer process because it is linked to the person, not the vehicle.

Conclusion

The transfer of ownership of a bike is essential for establishing proper proprietorship. It must be done legally to ensure a smooth transition of responsibilities from the seller to the buyer. Understanding the requirements, costs, and documentation involved in the process of a 2-wheeler ownership transfer will help streamline the transfer process and protect you against any future liabilities.

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

Related Articles

Documents Needed for Bike Ownership Transfer

How to Transfer Your Bike Registration?

Understanding Bike NOC

How to Know Your Bike Insurance Details with Just Your Registration Number

How to Check Bike Insurance with Vehicle Number

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 in bike insurance 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.