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. 

It is the preferred mode of transportation for millions of Indians. With rising global crude prices and the Government's decision to deregulate fuel prices and leave them to the whims of global goings-on, many first time car buyers are having second thoughts about their decisions and are either sticking to their old, faithful 2-wheelers or are planning to buy new, better ones. This only augurs well for the robust Indian 2-wheeler market. Let's take a look at some of the interesting facts about this market.

Statistics: 2-wheeler production in India grew by 7% in 2013-14 with 16.9 million units, as compared to 15.7 million units in the previous year. 12.5 million Motorcycles, 3.7 million scooters and 0.7 million mopeds were produced in this financial year. Domestic sales have also seen a 7% growth and companies sold 14.8 million units (as against 13.8 million units) during 2013-14. This roughly translates into a US$ 14 billion industry; without even considering other paraphernalia like suppliers, accessories, dealers, etc.

Gearless Scooters: Although motorcycles command a major share in the market, the rise in the popularity of the gearless scooters is astounding. This segment posted an astonishing 25% growth from the previous year in 2011-12. This popularity can be attributed to heavy traffic conditions in cities and such scooters are very popular with college-going girls and working women. The most popular scooter is Honda’s Activa, which sells more than 100,000 units a month. It also has a waiting period of around 10 days to 2 weeks.

Major Players: Hero MotoCorp still leads the pack with a 41% market share but the major overhaul was seen in the second spot, where Honda has dislodged Bajaj from the Number 2 position and now has a 24% market share. These two are followed by Bajaj (at 14%) and TVS (at 12%). Yamaha is at 3% and brands like Suzuki, Mahindra, Royal Enfield make up the remaining 5%.

Rural Sector: The primary demand for motorcycles (entry-level) still comes from the rural sector. So even though the demand for cars might be more on the lines of luxury, the driving force behind a 2-wheeler sale is utility. This is the main reason for the constant rise in the sales of 2-wheelers through the years even when economic conditions were not conducive for growth.

Updated on - 09 Feb 2026

Renewing your two wheeler insurance online is easier than you might think. Instead of visiting an insurance office, you can complete the process from the comfort of your home using your phone or computer. All you need is your current policy details, vehicle information and a stable internet connection. Online renewal saves time, reduces paperwork and helps you avoid last-minute penalties for expired insurance.

In this blog, you will learn the steps to renew your two-wheeler insurance quickly, the documents you need and how to ensure your coverage continues without interruption, keeping your ride safe and legal.

Importance of bike insurance renewal online

Here are a few compelling reasons why renewing your bike insurance online is a better method:

1. Convenience: In the offline mode of renewing bike insurance, every piece of information required needs to be filled manually, a stark contrast to the online mode, wherein your two-wheeler policy details are automatically loaded.
2. Time-saving: In the offline mode, if you are paying the premium by cheque, then the policy may not be instantly issued.
3. Simple process: If you are renewing your policy online, insurance companies will not ask for any documentary proof of ownership of the vehicle, address, etc.
4. Comparisons and better deals: Online platforms allow you to effortlessly compare various plans and providers. This helps you get the best coverage at a good price.
5. Reminders: Online platforms often send timely notifications or reminders regarding your policy’s expiration and renewal due dates.

How to renew bike insurance online easily?

Renewal of 2-wheeler insurance online has become a breeze these days. Most insurance company websites just require you to provide the two-wheeler registration number, and the rest of the information gets auto-filled. It is the same when you renew your two-wheeler policies on the insurance aggregator websites. However, make sure the data that is automatically filled in from your expiring two-wheeler policy is correct. If there is a change in your address, correct it.

Common steps to follow for online payment of two-wheeler insurance

Online payment for two-wheeler insurance is seamless and secure. Follow these steps to ensure a smooth transaction:

1. Go to the official website or mobile app of your insurance provider.
2. Log in to your account with your policy number or vehicle registration number.
3. Select policy renewal/purchase according to whether you're renewing an existing policy or buying a new one.
4. Verify coverage, premium amount and add-ons (if applicable).
5. Choose a payment method such as credit/debit card, net banking, UPI or digital wallet.
6. Make the payment securely through the chosen payment gateway.
7. After successful payment, you will receive a confirmation email/SMS along with the policy document.

What documents are required for two-wheeler insurance renewal?

To renew your two-wheeler insurance, you need your vehicle registration certificate (RC), previous insurance policy, a valid driving licence and a pollution under control certificate if applicable. Keep these ready to ensure your renewal process is smooth and hassle-free.

Common errors to avoid during online two-wheeler insurance renewal

When renewing your two-wheeler insurance online, avoid entering wrong vehicle details, missing the renewal date, skipping mandatory documents or ignoring policy terms. Always check your information carefully so you don’t face claim issues later.

How to claim no claim bonus (NCB) while renewing two-wheeler insurance?

When renewing with the same insurer, the NCB is applied automatically, as they already have your claim history. If you are switching insurers, you can claim your No Claim Bonus (NCB) with the new insurance company by informing them about your previous policy and providing an NCB certificate. This helps you get a discount, saving money on your premium.

Tips to choose the right two-wheeler insurance policy during renewal

When renewing your two-wheeler insurance, if you plan to switch insurers or upgrade your existing plan, check for the coverage of different policies, compare premiums and read the terms carefully. Make sure you choose a policy that suits your needs, offers good benefits and keeps you financially safe in case of accidents.

What happens if you delay your two-wheeler insurance renewal?

If you delay your two-wheeler insurance renewal, you risk driving without coverage. You may face fines, legal trouble and higher renewal costs. Accidents during this period won’t be covered, leaving you responsible for all damages and repairs.

Benefits of renewing two-wheeler insurance online vs offline

Renewing your two-wheeler insurance online is faster, saves time and avoids long queues. You can compare plans, pay instantly and get digital proof. Offline renewal takes longer, needs insurance office visits and paperwork. Online makes it simpler for you.

How to check your existing two-wheeler insurance policy details online?

You can easily check your two-wheeler insurance details online. Visit your insurer’s website, log in with your policy number or registered mobile number and view your coverage, validity and other important information anytime, anywhere.

Conclusion

Online renewal of your two-wheeler insurance is simple, fast and convenient. This saves you time. You only need a smartphone or computer with internet access to renew your policy and enjoy continuous coverage.

If you are planning to upgrade your third-party bike insurance during renewal, but would like to know which comprehensive policy is the best, then fill out the form on this page. Our experts will guide you to select a two-wheeler insurance that suits your needs.

FAQ

1. When should you renew your two-wheeler insurance online?

You should renew it before your current policy expires to avoid a lapse in coverage.

2. Will I get any discounts for online two-wheeler insurance renewal?

Yes, many insurers offer discounts and lower premiums when you renew your two-wheeler insurance online. Since the process eliminates paperwork and insurance agents, insurance companies often pass on the savings in the form of reduced premiums, instant policy issuance and additional offers such as discounts on add-ons. Some insurers may also provide exclusive online-only deals, making digital renewal a cost-effective option.

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 5 Aug 2025

Owning a two-wheeler brings convenience, flexibility and the joy of riding. However, it also brings responsibilities, foremost among them is ensuring your vehicle is properly insured. While annual policies are common, long-term options are becoming increasingly popular. A 3-year two-wheeler insurance policy offers not just ease, but also long-term financial and legal benefits. From the commuters riding daily to the occasional drivers, such a policy can help you stay protected and compliant for years at a stretch.

Here is a list of reasons that make a 3-year two-wheeler insurance a beneficial choice for the vehicle owner-

• No annual renewal hassles

It happens quite often that your two-wheeler insurance has expired and you forget to renew it. If there's an accident during this time, insurance companies reject the claim, saying that the policy has expired. Understanding this problem, the Insurance Regulatory and Development Authority (IRDAI) has introduced a third-party liability insurance policy for three years for two-wheelers.

• Safe from an annual hike in premiums

A 3-year Third Party Liability policy will charge a premium that is thrice the current annual premium for two-wheelers and irrespective of the circumstances, it can't be revised during the three-year period by the company. This ensures that even if the annual policy rate increases, you are safe from the hike.

• Convenience factor

The renewal rate of two-wheeler insurance is extremely low. People often tend to overlook the renewal date. This three-year policy will ensure that you do not need to remember to renew your policy every year. This saves time, money and effort for the insurance provider in terms of maintaining a separate database for three policies. Now it can just maintain one record for three years and this cost-benefit is transferred to the insured in the form of a low premium compared to an annual policy.

• Greater No Claim Bonus (NCB) benefits

Staying claim-free over 3 years allows you to accumulate a higher NCB, which results in substantial discounts on the premium when you renew or switch policies later.

Importance of long-term two-wheeler insurance

Opting for multi-year coverage ensures that your legal obligation is met for an extended period. More importantly, it supports responsible ownership by maintaining consistent protection for you and your vehicle.

How do 3-year policies help avoid legal penalties?

Riding an uninsured vehicle is a legal offense and can result in heavy fines, impoundment or licence cancellation. A 3-year policy ensures that you stay compliant with motor vehicle regulations for an extended period without worrying about missed deadlines or lapsed coverage.

Difference between annual and 3-year two-wheeler insurance policies

Below is a breakdown of the differences between one-year and three-year two-wheeler insurance options.

Tips to choose the best long-term two-wheeler insurance plan

When picking long-term two-wheeler insurance, consider the following points to make the best decision-

• Understand your needs: Decide whether you need just third-party coverage or full comprehensive bike insurance, which also covers damage to your vehicle.
• Compare insurers: Use online platforms to compare the premium costs, add-on options and other features of the policies offered by different insurers. Also, check the client settlement ratio and and customer reviews of the insurance companies.
• Check for add-ons: Choose useful riders like zero depreciation cover, engine protection and pillion rider cover.
• Read the fine print: Know the terms of cancellation, refund eligibility and claim limitations before finalising your plan.
• Evaluate the service network of the insurer: A wider network of garages can make repairs and claims easier and quicker.

Common mistakes to avoid while buying a 3-year two-wheeler insurance

These are some common mistakes that you, as the policy buyer, should avoid while purchasing a 3-year two-wheeler insurance-

• Opting only for third-party insurance: While it is legally mandatory, third-party coverage is useless when it comes to the protection of your vehicle. A comprehensive bike insurance plan offers complete peace of mind.
• Ignoring NCB implications: Understand how No Claim Bonus works over three years. Ensure it can be transferred if you switch insurers.
• Not reviewing policy terms: Some riders miss refund policies or assume they can change terms mid-tenure. Getting clarity at the start is key.
• Skipping add-ons: Riders may slightly increase the premium but can save you thousands during unforeseen incidents.
• Choosing unreliable insurers: Always go for trusted insurance companies with a good claim settlement track record and customer support service.

How a 3-year policy supports financial planning for bike owners?

Long-term policies provide predictability. With a one-time premium payment, you can plan your yearly budget better, knowing that there won't be sudden outflows for renewals. It also protects you from inflation-driven price increases during renewals and offers more time to focus on vehicle maintenance, fuel costs and trip planning.

Moreover, if you maintain a claim-free record, the accumulated No Claim Bonus at the end of three years can translate into substantial savings.

Conclusion

A 3-year two-wheeler insurance policy offers not just convenience but financial clarity, long-term protection and peace of mind. If you choose a comprehensive plan, the benefits are amplified in terms of coverage and savings. So, whether you are a daily commuter or a weekend explorer, consider going for a long-term insurance plan- it ensures a smart ride into a safer future.

FAQs

Q: Is a 3-year insurance policy mandatory for two-wheelers?
A: For new bikes, a 5 year third-party insurance policy is mandatory. However, after that, it is your choice to get a single or multi-year policy. 

Q: Can I purchase a 3-year comprehensive bike insurance for my bike?
A: Yes. Many insurers now offer comprehensive plans bundled for up to three years.

Q: What happens if I sell my bike before the 3-year policy ends?
A: Policyholders can discontinue their coverage and request a refund for the unused time, as per the specific rules of the insurance provider.

Q: Can I change insurers during the 3-year term?
A: Mid-term switching is generally not allowed unless you cancel the existing policy. You should plan and deliberate properly before agreeing to a policy of more than a year.

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.

April 1, 2017, was the date when BS-IV (Bharat Stage) norms came into effect all over the country. That means any vehicle to be sold after April 1 2017, would have to conform to this emission standard and new vehicles complying with BS-III standards can no longer be sold to customers. For the uninitiated, BS-IV refers to emission norms that are modelled along the lines of the Euro 6 norms found in Europe. Emission norms are the control standards that regulate emission coming out of vehicles.

What is Bharat Standard?

Bharat Standard is a set of emission control norms that were enforced by the government in the year 2000. These standards regulate the exhaust emissions or air pollutants coming out of vehicles having an internal combustion engine. The Central Pollution Control Board that is supervised by the Ministry of Environment & Forests and Climate Change sets the standards. The framework for these norms is the same as that of the European regulation.

BS-IV is the latest and most stringent emission standard to be introduced in the country, and succeeds the previous BS-III norms. After this, the automotive industry will skip BS-V and directly incorporate BS-VI emission standards by April 2020, with manufacturers and fuel suppliers already working towards achieving that goal.

Why Is BS-IV important?

BS-IV is important because of the rising air pollution. Since these norms restrict emissions of vehicles, they play a crucial role in controlling pollution. Vehicles emit dangerous gases such as carbon monoxide, nitrogen oxide, and sulphur dioxide that are bad for human health.

Indian cities are already figuring prominently among the most polluted cities in the world list: Delhi, Gwalior, Allahabad, Patna, and Raipur have already made the cut. In order to develop in a sustainable manner India needs to control its air pollution and BS-IV is one of the ways of doing it.

What Are the Benefits of BS-IV?

Apart from the obvious benefit of lowering air pollution BS-IV offers many other advantages as well. In order to manufacture BS-IV-ready vehicles, manufacturers have to adopt updated technology that makes vehicles more fuel efficient and powerful. Not only automakers, but also fuel suppliers will have to upgrade to BS-IV quality fuel so that the internal combustion engine runs cleaner and more efficiently.

While manufacturers created buzz before the implementation of norms for the unsold BS-III vehicles, the Supreme Court refused to extend the deadline. Now, when the norms are into swing and you might be opting to buy a new vehicle, don’t forget to opt for a car insurance or bike insurance policy. Compare motor insurance plans online before making a purchase.

With ever-increasing traffic congestion and varying road conditions, two-wheelers continue to remain the favourite mode of transport for commuters across India. Convenience features like ease of usage, ease of manoeuvrability, and hassle-free parking continue to be the top reasons for owning a two-wheeler. In addition, low down payment, attractive loans, and low maintenance costs make owning two-wheelers easy.

The Indian two-wheeler market is where the buyers are spoilt. Within every segment, there are multiple choices for the buyers to consider. In addition, imaginative marketing and promotions add to the confusion, and buying a two-wheeler becomes a daunting task.

Types of Bike to Buy

Selecting the right type of bike is important as it should match your preference and budget. Here are some common categories to consider:

1. Commuter Bikes: Ideal for daily commuting, these two-wheelers offer good fuel efficiency, comfortable seating, and low maintenance costs. They are made for city and short-distance travel.
2. Sports Bikes: Ideal for adventure enthusiasts, sports bikes have advanced make and premium styling. They are good for people who are looking for maximum speed and riding experience.
3. Cruiser Bikes: Known to offer comfortable riding posture and classic design, cruisers are perfect for long-distance rides and highway cruising. They offer a balance of speed and ease that is preferred by many riders.
4. Off-Road Bikes: Designed for uneven terrains, these bikes promise good suspension systems and durable build. These are best for adventure lovers and people who enjoy off-roading. 
5. Electric Bikes: With the growing emphasis on the environment and sustainable development, electric bikes are gaining popularity. They are an eco-friendly mode of travelling with lower costs and are ideal for urban roads.

5 Things to Check Before Buying a New Bike in India

Here is a quick guide to help you identify your requirements so that you can zero in on the perfect ride:

Usage

The most important consideration for selecting a two-wheeler is, 'What will be the nature of my usage?' A vehicle with more power is ideal if you plan to commute longer distances along highways, on the other hand, you can settle for lower-power options if you have shorter trips within city limits. The number of kilometres that you plan to cover each day should influence your purchase decision. A two-wheeler that is great on city roads might not be a good choice on rough roads. If your travel includes such routes, you need a vehicle with better suspension. Go for a two-wheeler that has a reliable shock-absorbing mechanism for managing longer, bumpier rides.


Budget

As always, never put the cart before the horse! Fix a budget before you start hunting for a two-wheeler. For example, once you set a budget of `50,000 to `60,000, you will get a clear view of your options, keeping you off vehicles that are below or beyond your range. However, don't let this be your guiding light. Based on your overall requirements, you might be able to get more value for lesser cost.

Bike Features

Extreme fuel efficiency is one of the key draws for two-wheeler buyers. With bikes claiming to offer efficiencies of over 100 km, buyers have more options than ever before. Acquaint yourself with the features of the vehicle you plan to buy and look out for expert reviews, comparisons, and analysis. Always take the claimed mileage with a pinch of salt. Remember that the mileage under test conditions is not what you can expect on the road. Also, note that fuel consumption is influenced by the riding style and maintenance. Choose a two-wheeler that is durable and, at the same time, would complement your style. Look for features like body graphics, headlight styling, seating comfort, safety features, and storage space.

Maintenance and Servicing

Generally ignored, this factor weighs heavily in making an informed buying decision for a suitable two-wheeler as it has a direct bearing on your running cost. The manufacturer you select should have an extensive network of service centres providing easy availability of spare parts.

Resale Value 

Last but not least, look for a vehicle that has a higher resale value. A vehicle that is still in production (at the time of sale) will fetch a higher value.

Also don't forget to secure your future and finances with a suitable two-wheeler insurance policy. You can buy 2-wheeler insurance online. Buying 2-wheeler insurance online can help you compare policies and get discounts.

Conclusion

Thorough market research and comparing options are important first steps in choosing the right bike. To safeguard your investment, you should consider 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.

For many, riding a two-wheeler is one of the riskiest things to do. Riding a bike is considered to be more dangerous than driving a car, as you are not only exposed to the harsh surroundings but also have little protection, in the event of an unfortunate accident. This blog discusses the health benefits of riding a motorcycle, why learning to ride is a great lifestyle skill, and the precautions you need to follow whenever you take your bike out on the road. 

Why should you learn to ride a motorcycle?

Most riders ride because they love the feeling of freedom and the joy that comes with it, while others merely ride to meet their commuting requirements. There is also the element of bike riding being mentally demanding, as you need to have a high level of focus and alertness in order to react quickly towards anything that may happen on the road.

Benefits of riding a motorcycle

No matter what the reason, there are several health benefits that two-wheeler riding offers.

Let's take a look at some of the benefits of riding a bike-

1. Helps You Shed Those Kilos Overtime

Motorcycles are heavy machines. Riders have to use their bodies to balance and steer their bikes safely and steadily. The more rugged the terrain, the more effort the rider needs to put in. Riding a bike also impacts your body chemistry by increasing your insulin sensitivity. This tells your body to store less fat and improves metabolism. What can be a better workout than a refreshing ride to lose the calories?

2. Improves Core Strength and Stability

Riding improves your core strength. How? You ask. The rider is forced to remain upright while riding, which in turn, develops your core muscles. Add the wind factor to this equation, and you’re all set for a great proverbial workout session. Maintaining your posture is a low-impact exercise that improves muscle tone and improves overall body stability.

3. Helps in Strengthening Your Neck

In this age of smartphones and white collar jobs, neck muscles are being strained to never-before levels. There are many people who are experiencing problem with their necks, especially due to mobile phone addiction. Guess what? Riding your bike can act as therapy for your neck. Just ensure that you don’t have to crane your neck or strain your back to ride your bike. You should be comfortably seated in an upright position while riding.

4. Helps Build Stronger Legs

Riders develop strong leg muscles over time. This is because riding demands work from the knees and thighs. Regular riding is a great way of exercising these muscles without stressing them too much. Light workout combined with regular riding can develop key leg muscles while simultaneously eliminating any pain points. No more doing painful deadlifting in the gym!

5. Improves Mental Health

Health is not only limited to physical well-being, mental-health is just as important. Riding gives you an endorphin boost, which elevates your mood and makes you feel good and happy. Your weekend ride also increases your energy levels as well as your mental outlook.

6. Makes You Smarter

Navigating a motorcycle requires as much mental as physical work. The prefrontal part of the brain works hard to establish a higher level of concentration while riding a bike. The constant mental stimulation and perception required in safely riding a bike on an open road and making split-second judgments improves cognitive functions. So regularly ride your bike to give yourself more brain power.

7. Makes You Feel Happier and More Connected to the World Around You!

Adrenaline, a chemical produced by the brain (also known as the fight or flight hormone), creates a feeling of happiness and fulfilment. Pacing on an open road, watching the landscape fly by and feeling the breeze can give you an adrenaline boost like no other.  The sense of adventure brings with it a huge dose of confidence. Bikers also feel more connected to their surroundings in ways that are hard to articulate but easy to feel. In other words, motorcycling helps you find your Zen.

These are just some of the benefits that a rider enjoys while riding his bike. So, while most may pursue riding for fun and the freedom it provides, they inadvertently end up improving their physical and mental wellbeing.

Precautions to take while riding motorcycle

While there are several benefits of riding a bike, you need to keep a few precautions in mind-

1. Wear Protective Gear

Safety gear is essential in case of an accident. Always wear a well-fitted helmet that meets safety standards in order to reduce the risk of head injuries. In addition to a helmet, wear padded jackets, gloves, knee guards, and appropriate footwear. These will protect your body from road rash and other injuries during a fall.

2. Stay Visible

Riders are more vulnerable on the road, especially in heavy traffic or poor visibility conditions. Wearing high-visibility clothing or reflective gear can make a difference in ensuring that other drivers see you. Always use your headlights, even during the day, to make yourself visible to others.

3. Practice Defensive Riding

Motorcycle riders must be alert to the movements of other drivers. Maintain some distance from other vehicles on the road, watch for sudden lane changes, and avoid blind spots. Be extra cautious around intersections, where accidents are more likely to occur.

4. Maintain Your Motorcycle

Regular maintenance along with timely repairs are vital for ensuring the safety of your bike. Before each ride, check the tire pressure, oil levels, brakes, and lights. A well-maintained motorcycle is less prone to break down or cause accidents.

5. Be Aware of Weather Conditions

Weather conditions play a significant role in your safety on the road. Wet roads, ice, and strong winds can reduce your bike’s stability and increase the risk of accidents. Avoid riding in extreme weather conditions; always check the forecast before heading out.

6. Avoid Riding Under the Influence

It is not advisable to ride a bike under the influence of alcohol or any other substance that impair your judgment. Riding a bike requires full concentration, and even small lapses in focus can have serious consequences.

Conclusion

Riding a two-wheeler can be pretty risky too as you are exposed to the surrounding and have little protection. Wearing proper protective gear and practicing safe riding will keep you safe. Taking out two-wheeler insurance before setting out for your ride will add to your peace of mind, as you know that your bike is insured from any untoward incidents that may happen while on the road. Compare the different options such as comprehensive bike insurance and add-ons available to choose the best protection for your rides.

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 own a two-wheeler (or a car), it is mandatory that you have a third party motor insurance cover. However, this may not be enough. Third party covers only take care of payments due to anyone that may have been hurt by your vehicle. To protect yourself and your vehicle, you need to apply for a comprehensive motor insurance policy.

In case you own a two wheeler, a comprehensive car insurance policy policy would be your best bet. That being said, you should make sure to find the best and most affordable two-wheeler insurance policy, that covers all of your requirements.

Here are a few tips to help you reduce your two-wheeler insurance premium:

Compare insurance plans

It is beneficial to compare various insurance plans, such as comprehensive two wheeler insurance, offered by general insurers. You have to check the coverage, the bonuses offered, and tailor the policy according to your requirements. Doing so will help you reduce your premium. For example, if you’re buying a policy to cover a bike that is rarely used, it won’t require as much coverage as a policy for a bike used on a daily basis. This makes the former much cheaper.

Avoid making small claims

It is better to pay for minor repairs caused due to an accident by yourself, instead of making a claim. This is because most two-wheeler insurance policies offer a no-claim bonus for every year that you don’t make a claim on your policy. This bonus also helps significantly reduce your premium payable for the next policy year. So keep your bonus intact by not making small claims.

Purchase add-ons wisely

Motor insurance policies offer add-ons called riders for extra coverage. Some of these riders like the roadside assistance rider, zero depreciation cover, etc. are common to most general insurance policies. However, it is important to choose your add-ons wisely, and only according to your requirements.

Opt for long term policies

Two-wheeler insurance comes with an option to choose a 1-, 2- or 3-year policy. Opting for longer terms reduces the premium, since the premium will not change for the duration of the policy term. Yearly renewal of the policies, on the other hand, usually raises the premium with every renewal.

Renew your policy on time

You must remember to renew your existing two-wheeler insurance policy before the completion of the tenure. This saves all the benefits you have accrued, and lets you pay online without much paperwork. All you have to do is provide some policy details and make an online payment of the required premium. If you need a reminder, you can set one up online.

Buy policies from the same insurer

If you have taken other general insurance policies, like health or travel from a particular insurer, try to bike insurance online from them as well. This way, you are likely to receive loyalty discounts on your premium.

Conclusion

Reducing your two-wheeler insurance premium is achievable through strategic planning and decisions based on thorough market research. By comparing plans and maintaining a claim-free record, opting for long-term policies, and consolidating policies with a single insurer, you can enjoy comprehensive coverage at a more affordable cost. Always assess your individual needs and consult with insurance professionals to make the best choices for your situation.

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

The want for speed is inherent among most of us. We all have a tendency to go faster and faster. The same logic applies to two-wheelers. If you are currently on a scooter, you will upgrade to a motorcycle. If you are on a motorbike, then you will want to upgrade to a more powerful bike. Think power and a sports bike comes to mind. The thought is tempting and can often lead to hasty decisions. But like everything in life, sports bikes require money and quite a lot of sensible thinking. Here we give you 10 points to remember before you go for your first sport bike and discuss why having bike insurance is necessary.

Things to Know Before Buying a Sports Bike

A sports bike is a mode of transportation and a style statement. Here are ten important points to consider before purchasing one-

Proper Gear

First and foremost, never forget about buying proper sport bike gear. Head towards safety gear first, at least get a certified helmet, jacket, gloves, and boots. Wearing safety gear is essential before heading out to ride every time.

Keep in Mind the Fuel Prices

New bike buyers would be wrong to assume that fuel for their sports bikes will be in any way cheaper. Fuel consumption depends largely on the number of cylinders, cubic capacity, and your own riding style.

Services and Spares Will Be an Issue

The market in India is not ready for big bikes, and finding spares for your bike will be very difficult (and expensive) if you don’t know where to search for them. If you are going for a bike like that, you should do so knowing very well the risks that come along with it.

Select the Bike as a Beginner

If you think riding a commuter 150cc motorcycle qualifies you to ride a sport bike, you have a huge misconception. You must choose a bike that is good for beginners for you to learn your way on it. Jumping on a high-power bike for the first time makes the risk of an accident very high!

Go for a Second Hand One for Your First Time

Unless you have money to throw away, buy a used bike. It is always a better choice for your first time to go for a used bike when you are learning your way on it.

Take Time Out to Ride

You must take time from your daily schedule to take out your bike for a ride. Proper running is required for the proper functioning and long life of your bike.

Do Not Be Overconfident

You think you are a sensible rider and have self-control, so you won't crash. Even the perfect rider can make a mistake and is at risk of accident always. Remember, when you are riding, you are not the only person on the road.

Always Think About Yourself

The process of riding a motorcycle is just like climbing a ladder and you just can't get on top without going step by step. You are going to learn to be a good rider, so think about yourself rather than impressing people and your friends.

Driving and Riding Are Two Different Things

You must understand that riding a bike and driving are two different things and two different worlds as well. Cars are different machines from motorcycles and their driving and riding are not at all the same thing. So never mistake your proficiency on high-powered four wheelers, as a recipe for success in handling sports bikes as well.

Do Not Forget Insurance

Having  two-wheeler insurance  will always work in your favour. Accidents can happen at any time and insurance will help you cover the costs, preventing your out-of-pocket expenses.

Why to Buy Bike Insurance?

Having a sports bike is an exciting experience, but it comes with considerable risks and responsibilities. Here is why bike insurance becomes essential and non-negotiable for this two-wheeler-

1. Legal Necessity: The Motor Vehicles Act mandates all bike owners to have at least third-party insurance.
2. Financial Coverage: Sports bikes are expensive and more prone to accidents due to their high speed. Two-wheeler insurance provides financial support in case of mishaps or damages, giving you much-needed peace of mind.
3. Third-Party Coverage: Accidents can sometimes result in third-party damages. This is covered by insurance, saving you from unexpected claims and expenses.
4. Customisable Add-Ons: Comprehensive bike insurance policies can be customised according to the policyholder’s requirement, with optional add-ons such as zero depreciation cover and roadside assistance. This enhances the protection.
5. Personal Accident Cover: Several insurances offer personal accident coverage to the owner, providing financial cushioning in case of injury or disability caused by an accident.

Conclusion

Buying a sports bike can feel like the beginning of an exhilarating journey, and it is! However, you need to do market research and planning and assess your budget before making a final decision. Remember, an insured bike makes every trip secure.

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 14 Nov 2025

Bikes are a common and convenient way of travelling, especially for daily use. Every bike works through a set of parts that play a special role in safety, comfort and performance. A rider may not need to know every detail, but basic knowledge is essential for safe and easy riding.

This blog explains the main parts of a bike, how they affect performance, ways to maintain them, and the connection between good maintenance and insurance claims.

What are the essential parts of a bike?

A bike runs properly only when all its important parts function together. These include:

1. Engine

The engine of a bike or scooter powers it and is responsible for its performance. The combustion of the fuel takes place in an engine, after which other parts start moving. For bikes, the engine is usually located on the front, whereas for scooters, the engine is on the rear.

Regular inspection and servicing are essential for the longevity of the engine. Hence, you must take your two-wheeler for servicing every four to six months to keep its engine fresh and efficient. You should also add an Engine Protect Cover to your two-wheeler insurance policy, which will cover the repair expenses for regular wear and tear of your bike's engine. Our Private Car Package Policy comes with an Engine Protect Plus add-on, which you can purchase at a nominal extra premium.

2. Brakes

Brakes are one of the most important components of a two-wheeler. There are two types: disc brakes and drum brakes. You need to apply the brakes when you halt your moving vehicle or lower its speed.

In the case of motorcycles, the front-tyre brake is located on the right-hand side of the handlebar, whereas the rear-tyre brake is presented in the form of a lever that the rider can press with his/her right leg. In the case of scooters or mopeds, both brakes are located on the handlebars.

3. Tyres

The tyres separate a vehicle from the road. As the name suggests, every "two-wheeler" is equipped with two tyres – one at the front and one at the rear. There are two types – tubeless tyres and tube tyres. Different thread patterns are designed on a tyre's surface to ensure adequate grip and friction with the road.

Maintaining an optimum tyre pressure helps you keep the balance of your bike and increases its fuel efficiency. Also, when the tread patterns of your bike's tires start flattening, consider changing them.

4. Clutch and gear

These components are exclusive to motorcycles or bikes. While the gear is used to control motion and torque, the clutch is used to apply brakes and change gears. Gears are usually presented as a lever that the rider can press with their left leg, whereas the clutch is located on the left-hand side of the handlebars.

Like other mechanical parts, the clutch and gears of a motorcycle should be serviced regularly. The clutch should be adjusted to allow an optimum level of free play. An over-tightened clutch could cause difficulty in riding and reduce the fuel efficiency of the motorcycle.

5. Accelerator

An accelerator is another important component, which is present in both bikes and scooters on the right-hand side of the handlebars. It is used to increase the speed of the vehicle while riding. When a rider revs up the accelerator in a clockwise direction, the speed of their two-wheeler increases.

6. Exhaust pipe

The exhaust pipe, also called a silencer or front pipe in India, diverts high-pressure gases from the engine into the atmosphere. Usually made of mild steel, it may be coated with stainless steel. A choked exhaust is dangerous, as trapped gases can cause severe damage or even a blast in extreme cases. Regular cleaning and rust checks help keep it safe.

7. Fuel tank

A fuel tank stores fuel. Its capacity varies from vehicle to vehicle, and can be between 5 to 15 litres for a two-wheeler. There is a cap on the top of the fuel tank used to fill petrol into it. The fuel tank is usually located above the engine. It should be cleaned regularly to avoid the formation of rust, as it can react with petrol to form a dangerous combination. You can use baking soda or white vinegar for cleaning.

8. Headlamp and tail lamp

The headlamp, often called the eye of the vehicle, is fixed at the front and provides visibility at night or in foggy conditions. The tail lamp, at the rear, helps other vehicles spot the bike and maintain a safe distance.

How essential parts affect bike performance

Each part of a bike plays a role in its performance. Here’s how:

• Engine efficiency: A well-functioning engine might give smoother acceleration and better mileage.

• Frame strength: A strong frame provides balance and supports the rider, especially on rough roads.

• Tyre condition: Tyres with good tread may give better grip and shorter braking distance.
  
  
• Brake response: Responsive brakes may reduce stopping distance and prevent accidents.

• Suspension quality: Suspension affects comfort and handling. Good suspension may keep the bike steady even on damaged roads.

• Gear use: Proper gear function helps the engine work at the right speed.

• Exhaust system health: A clean exhaust may reduce noise and pollution.
  
  
• Lights and indicators: Working lights may improve night riding safety and make the rider visible to others.

• Battery charge: A charged battery may allow smooth ignition and reliable lighting.

Tips to maintain essential bike parts

Some common maintenance tips include:

• Engine: Change oil regularly, keep filters clean, and avoid over-revving.
• Tyres: Maintain correct air pressure and replace tyres showing cracks or low tread.
• Brakes: Check brake pads often, adjust cables, and change worn-out parts.
• Suspension: Inspect for leaks and avoid overloading.
• Chain and sprockets: Lubricate the chain and adjust tension for smooth power transfer.
• Battery: Keep terminals clean and check charge levels frequently.
• Fuel tank: Use clean fuel and close the cap properly to prevent leakage.
• Lights and indicators: Test bulbs regularly and replace faulty ones promptly.

Role of bike maintenance in two-wheeler insurance claims

Neglecting maintenance, such as riding with worn-out tyres, faulty brakes, or dim lights, can raise accident risks and may affect claims under comprehensive two-wheeler insurance. Regular servicing, timely part replacements, and proper record-keeping support smoother claim settlement while also promoting safe riding and financial protection.

Conclusion

Every bike is made of several parts, but a few of them directly affect safety and performance. From the engine to the brakes, each part has a clear role. Regular maintenance may reduce risks, improve riding experience, and even support bike insurance online claims.

While you take the effort to keep your bike in good condition, let us guide you in protecting it against unexpected costs. Get tailored bike insurance advice and solutions by filling out the form on this page.

FAQs

• Which part of a bike is most important for safety?

Brakes and tyres are the most important for safety because they control speed and grip.

• How often should bike tyres be checked?

Tyres may be checked once every two weeks for pressure and condition.

• What happens if the bike chain is not maintained?

An unclean or loose chain might slip, cause jerks, or reduce engine efficiency.

• Why is suspension important?

Suspension reduces shocks, keeps the bike steady, and improves comfort.

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 15 Nov 2025

In India, bikes are considered perfect travel companions, helping navigate the roller-coaster roads and ensuring timely arrivals. However, riding bikes in India is not so easy. The countless potholes and pedestrians' or motorists' carelessness regarding traffic laws put your bike at risk.

If an accident occurs due to unavoidable circumstances, the financial and legal consequences can be overwhelming. This is where third-party bike insurance comes in, offering protection against such liabilities.

What is third-party two-wheeler insurance?

Third-party insurance is a type of two-wheeler insurance that offers coverage only for damage or losses caused to a third person, their vehicle or property. It does not cover your (policyholder’s) own bike. This insurance helps ensure that victims of road accidents or other damages receive proper compensation without lengthy procedures.

The Insurance Regulatory and Development Authority of India (IRDAI) regulates the premiums for such policies. This is why the premium rates for these policies are lower compared to those for broader plans.

How does third-party bike insurance work?

The premium amount of 3rd party insurance depends on the engine capacity of your bike and is fixed by the IRDAI. In the event of an accident involving your bike and a third party, you need to inform the insurance company as soon as possible and file a claim. The insurance company will verify the claim and settle it in accordance with the policy's terms and conditions. The compensation amount will be paid to the third party or their legal representative.

Features of a third-party two-wheeler insurance

Some key features include:

• Fixed premium: The cost of these policies is fixed by IRDAI based on your bike’s engine capacity.
• Online availability: You can quickly purchase or renew the policy online.
• Easy claim process: There is a structured process available through which you can easily file claims.
• Personal accident cover option: It can be combined with a personal accident cover, providing additional protection to the policyholder.
• Nationwide availability: The policy is valid throughout India. So, riders can travel anywhere with compliant coverage.
• Third-party coverage: This insurance primarily covers damages and injuries you might cause to third parties in an accident.
• Cost-effective: While two-wheeler third-party insurance prices vary from company to company, it is usually more affordable than comprehensive coverage.

Reasons to buy third-party bike insurance

Third-party bike insurance is not just a legal requirement in India but also a practical safeguard. It covers financial liability if your bike causes injury, disability or death to another person, or damages their property. These policies are simple to understand, offer legal support in case of disputes and protect savings from unexpected expenses. They also provide peace of mind on the road and reflect responsible ownership, especially for new or occasional riders.

Third-party insurance: Coverage and exclusions

Typically, the following are covered in a third-party insurance policy:

• Injury or death of the third party.
• Damage to the third-party property up to the limits set by law.
• Legal liability that may arise due to an accident involving your bike.

These policies usually exclude the following:

• Damage to your vehicle.
• Wear and tear or mechanical breakdown.
• Driving under the influence of alcohol or drugs.
• Accidents outside India.

Steps to apply for third-party bike insurance

You can apply for a policy through a straightforward process:

1. Collect all the necessary documents like registration certificate (RC), driving licence and previous insurance details, if any.
2. Visit an authorised insurer’s website or branch.
3. Give them your bike details and select a third-party cover.
4. Pay the premium online or offline, which is regulated by the IRDAI.
5. Now, you can receive the policy document digitally or in print.

Process to renew third-party bike insurance online

You can renew your policy through digital platforms. Follow these steps:

• Log in to your insurer’s website.
• Select the renewal option.
• Verify your bike details.
• Finally, pay the premium.
• Once the transaction is complete, the renewed policy document is issued in its entirety.

Renewing third-party insurance is crucial to avoid policy lapses or penalties.

How to claim third-party bike insurance?

To raise a claim under the policy, here is what to do:

1. Inform your insurer immediately after the accident.
2. File an FIR at the local police station.
3. Submit the required documents to your insurer.
4. Attend the hearing. Your claim will be handled through the Motor Accident Claims Tribunal (MACT). It determines the payable compensation.
5. After approval, the insurers can pay the third party directly.

Documents required for a third-party bike insurance claim

You may need the following:

• Copy of the FIR
• Registration Certificate of the bike
• The driving licence of the rider
• Insurance policy copy
• Claim form filled with accident details
• Bills or estimates in case of property damage

Conclusion

A third-party two-wheeler insurance is not just a legal requirement but an important protection for all riders. It protects you from unexpected financial expenses if your bike causes harm to others. Although this policy provides limited coverage, it ensures that you can ride legally. For broader coverage, you can always upgrade to comprehensive bike insurance.

While you enjoy your ride with peace of mind, let us help you understand and choose the right third-party bike insurance policy. Get expert advice by filling out the form on this page. 

FAQs

• What will happen if I ride without third-party bike insurance?

Riding without valid insurance is illegal in India and can lead to heavy fines, penalties, or even legal action.

• Can third-party bike insurance cover theft of my bike?

No. You can get it covered under comprehensive bike insurance.

•  How often do I need to renew third-party bike insurance?

Most policies are renewed annually. However, long-term options are available too.

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.

Riding a motorcycle is fun, and more so when you have a co-rider or a pillion with you to share the frenzy and ecstasy of biking. However, it’s also very important to ensure the safety of your co-rider as well as your own, before you go hopping from one place to another on your bike. Hence, before you tell your friend or a loved one to take the back-seat of your bike, it’s prudent to educate your pillion rider about few motorcycle safety tips. Government has made motor insurance compulsory while driving and before going on any log drive insured with a two wheeler insurance policy.

Important motorcycle safety tips for pillion riders

Here are some of the ways to ensure that riding is enjoyable as well as safe for both of you:

1. Ask the pillion to wear full protective gear

Just like the rider, wearing full protective gear is equally important for the pillion. Ideally, it should include an ISI-certified helmet, eye-protection goggles, sturdy pants, jackets, fully closed footwear, and gloves. Don’t forget to layer it up with additional protective equipment and thermals to combat fog and wind chill during the winter season.

2. Give a pre-ride briefing to the co-rider

Before he or she gets on the bike, it’s very important for your pillion rider to know about the essentials of the motorcycle. So, point out the parts of the motorcycle that can burn or pinch. Tell him/her about how to sit, where to rest the feet and what to hold while the bike is in motion. Help them relax by explaining that the bike can lean while taking a turn and there’s no reason to panic. Also, brief them about other important pre-ride instructions and precautions.

3. Tell the pillion to wait for your signal before mounting/dismounting

It’s very important to let your co-rider know that he or she should wait for your signal before mounting or dismounting from the bike. If he/she tries to dismount without waiting for your permission, it may disrupt the balance of the bike and both of you may end up on the floor. So, it’s prudent to keep both your legs on the floor and ensure you’re properly balanced before signaling your pillion to get on or off the bike.

4. Ask your pillion to hold on tightly

You need to instruct your pillion to hold on to either you or the bike’s grabrail all the time while you both are riding on it. This will give him/her the feeling of added security and prevent him/her from sliding every time you accelerate or apply the brakes. In case your bike does not have a grabrail, you can consider a pillion safety belt which clips around the rider’s waist and has molded plastic handles which the pillion rider can hold on to.

5. Use the brakes and throttle softly

While you’re riding with a pillion, it’s very important to drive responsibly. Braking hard makes the pillion rider feel uncomfortable and he/she may end up with a strong thrust towards you. Therefore, try to use the brakes as little as possible, and apply it very gently when you’ve to do it.

The same is also true for accelerating the motorcycle. Your pillion may experience the backward thrust and may even fall from the motorcycle if you accelerate hard. So, try to increase the speed gradually and ask the co-rider to grab the seat-rails tightly.

6. Take extra care with bumpers and pits on the road

You should try to be as smooth as possible in your ride, especially when you are carrying a pillion on the back seat. Look as far ahead on the road as possible, to avoid pits and bumpers lying ahead in your way. Even if there’s no avoiding them, try to be as slow and smooth as you can to ensure a pleasant and safe ride for your co-passenger. Also, ensure that you’re not leaning too much on the sides while taking turns and cut the corner smoothly.

7. Do not communicate much while you are riding

It’s important to not talk much while you are riding. It can take away your focus from the road, which may result in a tragedy. In case you or your co-rider need to discuss something that requires an urgent attention, you should park your vehicle by the side of the road and have a talk.

While it’s prudent to follow these tips to ensure a memorable and pleasure filled ride for you as well as your partner, you also need to be adequately equipped to tackle any unwanted scenario that may arise anytime. Always carry a tool box and the first aid kit in your motorcycle. Remember, it’s illegal to drive without a bike insurance policy or in your case, a two wheeler insurance policy. So, check your two-wheeler insurance plan to ensure adequate security of you and your vehicle before setting off on a long-distance ride with your loved one.

Conclusion

A pillion rider might seem like a passive passenger, but they have an active role in the safety of the bike and the rider. The pillion rider should ensure that essential road rules, like wearing a helmet, sitting properly, and avoiding sudden movements, are followed throughout the journey. In addition to following the rules, buying comprehensive bike insurance offers protection against unforeseen accidents, making every ride enjoyable and secure.

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.

Karnataka is known for its diverse natural landscapes and thriving cities. As a powerhouse of the Southern economy and housing India’s leading software companies, it relies on a well-maintained road network to keep its wheels of progress turning. To fund the development and maintenance of these roads, the Karnataka government imposes road taxes on vehicle owners. This blog delves into the specifics of Karnataka road tax for bikes. Here, we also provide valuable insights into tax rates, calculation methods, and their significance.

What is the Road Tax in Karnataka for Bike?

Two-wheeler road tax in Karnataka is an essential obligation for all bike owners. The tax amount is determined based on several crucial factors, ensuring a fair contribution to road infrastructure. Below is a table outlining the road tax rates for two-wheelers in Karnataka:

These tax rates apply to new and used two-wheelers, with different slabs for vehicles under 5 years old and those between 5-10 years old. Understanding these rates is crucial for bike owners in Karnataka as compliance ensures the state’s roads remain safe and well-maintained for everyone’s benefit.

Updated on 13 Dec 2025

Carrying your bike’s documents everywhere can be stressful and risky because they may get lost or damaged. Today, you don’t always need to keep physical copies with you. Thanks to technology, you can save and show your important documents on your phone anytime. Apps like DigiLocker and mParivahan, approved by the government, make it easy to keep your registration certificate, third-party or comprehensive bike insurance, PUC and driving licence safe online. This way, you can stay worry-free during traffic checks and avoid fines.

In this blog, you will learn how to keep your bike documents with you digitally at all times.

Importance of proper bike documentation

Having proper bike documentation is very important because it proves that you are the legal owner of the vehicle and that you are following all traffic rules. Documents like the registration certificate, insurance papers, driving licence and pollution certificate protect you from fines during checks by the traffic police. They also help in case of insurance claims or when you want to sell your bike. Keeping these papers updated shows that you are a responsible rider. It makes your journey safe, hassle-free and worry-free while also helping you avoid any legal or financial problems in the future.

What are the necessary bike documents to have?

When you ride a bike, it is important to carry the necessary documents to avoid fines and ride safely without legal issues. The main documents you must have include your driving licence, bike registration certificate (RC), pollution under control (PUC) certificate and valid two-wheeler insurance. These papers prove that you are riding legally, your bike is registered, and it meets pollution and insurance rules. If traffic police stop you, showing these documents will save you from penalties.

How to keep bike documents with you digitally?

The government has introduced the concept of digital papers and as per the Central Motor Vehicle Rules amendment, electronically saved documents are now acceptable during traffic checks.

• Keeping your documents in the DigiLocker app

DigiLocker is a cloud-based platform that provides a digital wallet to every citizen of India. The initiative was launched as part of the Digital India drive by the Ministry of Electronics and Information Technology in 2015. It aims to provide paperless governance and enable citizens to store and access their lifelong documents anywhere and anytime electronically without risk of loss or damage.

• Keeping your documents in the mParivahan app

mParivahan is another app that allows you to store and access your bike insurance documents digitally. It was developed by the National Informatics Centre (NIC) under the Ministry of Road Transport and Highways (MoRTH). It is a part of the Parivahan Sewa portal that provides various transport-related services to citizens.

Why is it mandatory to have bike insurance?

Accidents can happen anytime, and the cost of damage or injury can be very high. Thus, having at least third-party bike insurance is mandatory. It covers the injuries caused to other road users and damage to their property by your vehicle. Comprehensive insurance will help you cover the expenses related to theft or damage to your bike caused by accidents, natural calamities and man-made disasters. It also takes care of third-party liabilities.

These days, it's easy to compare and buy bike insurance online. With many options available, if you need an insurance expert’s help to choose the ideal one, fill out the form on this page. We will help you choose a plan that suits your needs.

Conclusion

Keeping your bike documents with you digitally is a smart and easy way to stay prepared. You can store them on your phone or cloud storage and can access them anytime. It ensures you have proof of your bike’s compliance whenever needed. Digital storage is safe, quick and convenient. By regularly updating your documents and insurance, you can ride safely and in peace, knowing that you have all the valid documents ready when required.

FAQ

• Are digital documents accepted during traffic checks?

Yes, the digital documents are accepted in many places in India; however, it is always better to keep the original papers with you.

• How can I upload my bike documents digitally?

 You can sign up on DigiLocker or mParivahan using your mobile number and Aadhaar, then fetch your documents directly from the government database.

• Is it safe to store bike documents digitally?

 Yes, DigiLocker and mParivahan use government-authorised secure servers, ensuring your documents are safe, tamper-proof and accessible anytime.

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.

Dirt bikes are the ideal travelling companions for thrill-seekers when it comes to off-roading in India. The varied landscape of India provides riders with a playground, so selecting the appropriate dirt bike is essential. We will examine some of the top dirt bike options in India in this guide, taking affordability, performance, and durability into account. Regardless of your level of experience, these suggestions will assist you in making a wise decision for your two-wheeled adventures. Discover your ideal ride as we explore the exciting world of dirt biking. Off-road or dirt bikes are not allowed on Indian roads and do not have any safety measures. They can be used on private land, but when driving on the road, they need to be registered and insured. Carefully examine your bike insurance options.

List of Dirt Bikes in India

To make your search easier, here is a list of some of the best dirt bikes in India.

1. Yamaha WR 155R (Coming Soon):

• The much-awaited Yamaha WR 155R is scheduled to launch in India and is specifically designed for the nation's dirt bike enthusiasts.
• This forthcoming model is anticipated to have an amazing blend of performance and speed, with a strong focus on providing an exciting off-road experience.
• Its off-road capabilities and lightweight design highlight its appropriateness for the dirt bike industry, offering exciting experiences on challenging terrains.
• While the precise dirt bike price in India is yet unknown, the WR 155R's potential as an off-road phenomenon has already attracted a lot of attention, making it a strong candidate to be named the best dirt bike in India.

2. Suzuki RM Z250 (Coming Soon):

• The Suzuki RM Z250 is certain to create a stir in the Indian motocross and dirt bike industries.
• With its outstanding performance and motocross ability, this off-road beast is meant for serious fans.
• Though exact pricing information is still pending, riders are excited to see how the RM Z250 stacks up against the greatest dirt bike available in India.
• It claims to satisfy the needs of fans of motocross and those looking for the best off-road adventures.

3. Kawasaki KLX 110:

• For young riders and beginners looking for an entry-level dirt bike in India, the Kawasaki KLX 110 is a great option.
• It offers an affordable entry point into the world of dirt biking with its useful design.
• The KLX 110 is the epitome of dirt biking in India, enabling riders to advance their off-road abilities without having to make a big financial investment.
• It might not be the strongest option.
• But those who are just beginning their off-road adventures nevertheless find it to be a popular and enjoyable choice because it provides a good mix between budget and performance for inexperienced riders.

4. Kawasaki KLX 140:

• The Kawasaki KLX 140 is more durable than the KLX 110 and is intended for riders who want to improve their off-road abilities.
• It is a great option for newcomers and students in India because it achieves a good mix of performance and affordability.
• It may not be the greatest dirt bike in India, but it is still a good choice for anyone who wants to improve their off-road skills.
• Its reasonable price and dependable performance are strong points that make it a good choice for anyone wishing to advance their off-road riding skills on a tight budget.

5. Kawasaki KX 250:

• For experienced riders in India, the Kawasaki KX 250 is a powerful machine in the motocross world.
• When it comes to motocross races, its versatile chassis and strong engine make it a formidable opponent.
• The KX 250 is all about providing elite motocross performance and navigating difficult terrain despite its high price.
• Even though it costs more, the KX 250 is a good option for experienced riders looking for the best dirt bike in India to rule the dirt courses.
• It is an appealing choice for off-road racers who value perfection due to its unwavering performance and capabilities.

Updated on - 30 Dec 2025

Whether you ride to work each day, go on weekend trips or deal with India’s unpredictable roads, your bike’s suspension shapes how comfortable and confident the ride feels. A good suspension smooths out potholes, improves braking stability and reduces fatigue on longer journeys. In 2025–2026, more commuter, street and adventure bikes offer better forks, improved monoshocks and adjustable setups.

This guide explains suspension types, key specs and maintenance to help you choose a bike that suits your riding needs.

Types of suspension systems in bikes

Two-wheeler suspension mainly performs two functions: absorbing bumps and keeping the tyres in stable contact with the road. The most common systems you will encounter include:

• Telescopic forks (conventional forks): The most widely used front suspension on commuter and performance bikes. They use springs and oil damping inside the fork legs. They are simple and cost-effective but may feel less stable under heavy load or aggressive riding.
• Upside-down forks (USD): Lighter and stiffer near the wheel, often seen on premium and sport bikes. They improve handling precision and reduce unsprung weight for better control.
• Long-travel suspension: Found mainly on off-road and adventure bikes. With more suspension travel at the front and rear, they handle big bumps and offer better low-speed control on rough terrain.
• Twin shocks (dual rear shocks): A traditional rear setup still used on commuter and retro-styled bikes. They are durable and easy to maintain but provide limited adjustability and less refined damping.
• Monoshock with swingarm linkage: A single centrally mounted rear shock connected through linkages. This design offers progressive damping and better mid-stroke comfort. It is common on modern commuter, sport and adventure bikes.

Many suspension systems also offer adjustments such as preload, rebound and compression. These settings allow riders to tune the bike for their weight, riding style or luggage. Understanding these basics helps you choose a bike that performs well on varied Indian road conditions.

Key specs to look for

When comparing two-wheelers for suspension quality, key technical specs provide a clear picture of real-world performance. Suspension travel (in mm) indicates how well the bike can absorb bigger bumps, which is crucial for touring or off-road riding.

Adjustability features such as preload, rebound and compression let you fine-tune the ride for rough roads, pillion weight or luggage. Fork type also matters: USD forks offer greater stiffness and precision than standard telescopic units.

At the rear, a monoshock with linkage usually delivers smoother and more progressive damping than basic twin shocks. Finally, wheel size and overall bike weight influence stability; larger wheels and a heavier chassis often feel more planted and work with the suspension to improve comfort.

Price ranges and value for money comparison

The suspension quality appears across different price bands, from commuter bikes focused on comfort to premium models with long-travel and adjustable units. Typical 2025 ex-showroom price ranges include:

• Entry commuters (₹61,617 to ₹2.05 Lakhs)
  These bikes generally feature basic telescopic forks, twin shocks or simple monoshocks. They offer good value for daily city riding and occasional light touring.
• Entry sport/performance commuters (₹1.42 Lakhs to ₹2.30 Lakhs)
  These models usually provide better suspension components, including improved forks (sometimes USD) and rear monoshocks with limited adjustability. They suit longer rides and more spirited riding styles.
• Premium/adventure (₹2.00 Lakhs and above)
  Bikes in this range come with adjustable suspension units, long-travel forks and higher-end monoshocks designed to handle rough roads and mild off-road conditions. These are similar to setups on models like the Royal Enfield Himalayan or KTM Adventure series.

The value for money depends on your riding needs. City riders benefit from comfortable, well-tuned basic setups, while touring and off-road riders gain more from adjustability and increased suspension travel.

Brand reputation and after-sales support

Choose a brand with a reliable service network because suspension parts occasionally need replacement, rebuilding or professional tuning. Brands with strong dealer coverage and clear after-sales processes make maintenance and claim handling easier. For premium or imported bikes, also check the availability and cost of spares, as well as the proximity of authorised workshops.

A solid service network is especially important when your bike uses high-performance shocks or advanced fork setups that may require certified suspension servicing.

Safety features and riding conditions in India

India’s roads come with challenges such as dense traffic, frequent speed breakers, uneven patches and potholes. A good suspension directly improves safety in these conditions by:

• Improving tyre grip and maintaining consistent road contact on uneven surfaces, which enhances cornering stability and braking control.
• Reducing rider fatigue during long commutes and highway rides, helping maintain alertness and reaction time.
• Working effectively with ABS and the right tyre compound to ensure shorter, more stable stopping distances.

For Indian conditions, it’s best to consider bikes that offer well-tuned suspension paired with ABS and high-quality tyres, as this combination directly contributes to safer everyday riding.

Maintenance tips for suspension bikes

Suspension is mechanical and needs timely care to perform correctly. Key maintenance steps include:

• Checking for oil leaks at shocks and fork seals. Any sign of leaked oil indicates the suspension is due for service.
• Following the manufacturer’s recommended intervals for shock servicing and oil changes. Off-road and sport bikes may need more frequent attention.
• Adjusting sag and preload according to your weight and luggage, as incorrect setup can cause unstable or unpredictable handling.
• Inspecting linkages, bearings and bushings for play and servicing them during major maintenance intervals.
• Using authorised service centres for significant suspension work, as they have correct OEM parts, tools and expertise.

Insurance considerations for suspension bikes

Insurance affects both protection of your investment and legal compliance. Key points for Indian riders include:

• Policy type: Third-party insurance is compulsory, but valuable bikes; especially premium adventure or sports models, are better protected with comprehensive insurance and add-ons like roadside assistance, engine protection and zero-depreciation. These help cover accidents, theft and natural calamities.
• Modifications and declared accessories: If you upgrade suspension components or install performance parts, you must inform your insurer. Undeclared modifications can lead to claim denial. Some insurers offer add-ons that cover declared changes.
• Premium and IDV: The IDV (Insured Declared Value) determines the payout in case of total loss. High-value bikes naturally carry a higher IDV and premium. Keep the IDV realistic and review it at every renewal.
• Cashless claims and garage network: Check whether the insurer supports cashless repairs at authorised service centres, especially if you rely on manufacturer workshops for suspension-related work.

Note: This list is indicative. Check policy wording to understand inclusions and exclusions

Conclusion

Suspension isn’t just a technical component; it’s what shapes your safety, stability and comfort on India’s diverse roads. Choosing a setup that matches your terrain, riding load and maintenance comfort can genuinely transform your daily experience. Combine this with reliable brand support, timely servicing and properly declared insurance, and your bike continues to perform at its best. Exploring two wheeler insurance online also makes it simple to compare plans, check useful add-ons and pick the right policy with ease. For personalised guidance, you can fill out the form on this page.

FAQs

1. Does a bigger fork diameter always mean better handling?

No, larger stanchions increase stiffness, but handling also depends on rake, trail, wheelbase, tyre compound and damping quality. In some cases, overly stiff forks can reduce comfort on broken roads.

2. How often should riders change the fork oil?

Typically every 10,000-15,000 km, but riders in coastal regions, dusty cities or off-road environments may need shorter intervals because moisture and debris degrade oil faster.

3. Will changing the suspension void the bike insurance?

Not if declared correctly. Premium suspension upgrades sometimes require updated IDV or accessory cover. Claims get rejected only when modifications affect accident circumstances or remain undeclared.

4. Which bike should I test ride for confident, comfortable riding on Indian roads?

Test bikes with mid-travel suspension (130-200 mm), balanced weight distribution and compliant damping. Adventure-tourers excel on rough roads, but some modern street bikes with well-tuned monoshocks can feel equally stable in dense traffic.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Two-wheeler owners frequently overlook the essential role that tyres play, even though they are a fundamental part of the vehicle. To ensure a fun and uninterrupted riding experience, it's imperative to keep your motorcycle Tyre in excellent condition.

Regularly checking your motorcycle's tyre pressure, at least monthly, is crucial. Under-inflated Tyres increase the risk of premature wear and tear, leading to higher maintenance costs or even tire replacement.

While the value of proper Tyre can't be overstated, don't forget the indispensable shield of bike insurance. This policy ensures your bike's protection as you cruise on the nation's roads.

Importance of maintaining tyre pressure in bike

The tyres on your two-wheeler are its lifeline, and surprisingly, many riders aren't aware of the necessity to maintain the right tyre pressure for optimal performance. Let's explore a few essential insights into the importance of tyre pressure bikes.

1. Proper bike tire pressure boosts control.

Think of your bike or scooter's Tyre as the foundation for control. Good-quality Tyres are essential for maintaining control during your journeys. Low air pressure or tire defects can lead to sliding or difficulty moving forward.

2. When your bike's tire pressure is too low, it can make your ride quite uncomfortable.

Riding a bike with low-quality or damaged Tyres becomes especially uncomfortable on long journeys. To maintain a consistently smooth ride, regularly check and maintain your tire pressure and quality.

3. Accidents can be more likely if your bike's Tyres have low pressure.

It's vital to understand that your vehicle's traction relies on its Tyre. If your Tyres are not in optimal condition, the likelihood of accidents increases significantly. Low bike tyre air pressure is a leading cause of potential accidents and can result in insurance claims and, more critically, severe bodily harm. Prioritising safety, regularly use a bike tyre air pressure metre to ensure your Tyre keeps you safe throughout your journeys.

Tips to maintain Bike’s Air Pressure

• Check how your tyres are positioned.
• Check to see if your bike's air pressure is within the ideal range.
• Check your tire's air pressure requirements and make the necessary changes.
• Be aware of when you should seek the help of a mechanic.

Steps to maintain pressure of your tyre

1. Check the PSI of the tyre

To ensure your Tyre's safety and performance, check for correct positioning and punctures from sharp objects like glass or nails. Proper Tyre pressure is vital to prevent blowouts, and inspect for bulges or cracks that can lead to air pressure loss. Gently moving the Tyre back and forth helps assess its condition, ensuring safe driving.

2. Performing a Tyre pressure check

Next, it's crucial to perform regular checks on the bike Tyre inflation. Proper bike Tyre inflation directly affects your riding comfort and the overall quality of your journey. If the Tyres aren't adequately inflated, premature wear can occur, underscoring the significance of routine 2-wheeler Tyre pressure inspections.

For accurate readings, perform these checks when your bike is at a cool temperature to prevent pressure and density changes due to heat. Refer to your vehicle's manual to find the recommended PSI levels, which can be verified at a gas station or using your own equipment.

3. Ensure your Tyres have the right air pressure when require

Once you've inspected your Tyres, ensure they are filled with compressed air to reach the recommended PSI level. Avoid overinflation, and if they have excess air, you can release some to reach the correct tyre pressure bike. Take your bike for a spin, and after a few hours, evaluate their performance.

If you notice a pressure increase, and the Tyres feel excessively rigid on the road, it's important to cease driving and remove any additional load from the bike. Don't neglect the Tyre tread either, as it's crucial for preventing skidding on wet surfaces. If you find that the tread has worn down by a quarter or an inch, it might be time to think about replacing your Tyres.

Owning and upkeep of a two-wheeler can be a costly affair. Consider having at least a basic bike insurance policy or a comprehensive one. These policies offer coverage for your vehicle in the event of clashes, accidents, or third-party damage.

As per The Motor Vehicles Act of 1988, third-party two-wheeler insurance is mandatory for all bikes and scooters plying on Indian roads. It covers the third-party liabilities that may arise due to an accident or collision involving the insured two-wheeler. However, a third-party insurance policy will not cover the damages sustained by your bike.

Therefore, it is recommended for every bike owner to buy a comprehensive two-wheeler insurance policy. Apart from covering the mandatory third-party liabilities, it will also cover the losses or damages sustained by the insured bike in case of a mishap, including theft, collision, earthquake, tsunami, riot, and vandalism.

But do you know how to claim under bike insurance? Even if you don't, there is little reason to worry. In this article, you will get to know everything regarding two-wheeler insurance claims, including the steps to file a motor insurance claim. So, let's get started.

What is a bike insurance claim?

A comprehensive two-wheeler insurance policy essentially covers your bike against any loss or damage caused due to a covered peril. For example, suppose you're taking a sharp turn on your bike when you suddenly lose balance and meet with an accident, resulting in injuries and damages to you and your motorcycle both.

In such a scenario, your two-wheeler insurance provider will be liable to pay you for the financial losses suffered by you. But you need to file a motor insurance claim for that. The process of informing the insurer about the mishap and asking it to pay compensation for the loss is known as the insurance claim.

Before digging into the process of filing a bike insurance claim, let's first know about the two types of claims:

Cashless claims: Some insurers allow policyholders to get their bikes repaired without paying upfront. The only condition for this is that the bike should be taken to a garage in their network. Such claims are called cashless claims where the insurer pays directly to the garage owner to get an insured bike repaired.

Reimbursement claims: If a motor insurance policy doesn't offer cashless benefits, the policyholder must pay for repairs out of his/her own pocket. However, he/she can later file a claim with the insurance provider and get a reimbursement of the expenses. Such claims are called reimbursement claims, where the insurer pays the approved compensation to the policyholder.

How to file a bike insurance claim?

Now that you are well versed with the meaning and types of claims, let's learn about the steps to file a bike insurance claim. Usually, you may have to file a claim under any one of the following three scenarios:

• Your bike damages someone else's property or injures someone. In this case, a third-party liability claim will apply.
• You meet with an accident, and your bike is damaged. In such a scenario, you need to file your own damage claim.
• Your bike is stolen. In such a scenario, you will have to file your own damage claim. The insurer will declare a 'total loss', and you'll be paid the Insured Declared Value (IDV) of the vehicle.

If an insured person meets with an accident that results in death or permanent disablement, he/she can file a claim under the Personal Accident cover for owner-drivers.

Steps to file a third-party insurance claim

Below are the steps to file a bike insurance claim:

Step 1 – Take the policy details from the opposite party and inform the insurer about the third-party claim.

Step 2 – The insurance company will forward your case to the Motor Insurance Claims Tribunal for its verdict.

Step 3 – After hearing from both parties, the tribunal court will determine an amount that should be paid to you as compensation.

Step 4 – The insurer will transfer the compensation amount to your bank account.

Steps to file a claim under the OD cover

Step 1 – Inform the insurance provider immediately.

Step 2 – Submit the required documents to raise the claim. If needed, file an FIR with the local police station.

Step 3 – A surveyor will be appointed by the insurer to verify the case and examine the damages.

Step 4 – If the surveyor finds your claim to be authentic, he/she will send an approval to the garage to start with the repair work.

Step 5 – In the case of a cashless claim, the expenses will be settled directly between the insurer and the garage. Whereas, in case of a reimbursement claim, the repair amount will be transferred to your bank account through National Electronic Fund Transfer (NEFT).

Steps to file a claim in case of theft

Step 1 – Inform the insurer immediately about the theft of your bike.

Step 2 – File an FIR in your local police station. This step is mandatory in this case.

Step 3 – Submit the relevant documents to the insurer to file the claim.

Step 4 – Obtain a non-traceable certificate from the police and submit it to the insurer.

Step 5 – The insurer will transfer your bike's IDV to your bank account.

Documents required for bike insurance claim

Below are the documents you need to submit to the insurer to file a claim on your bike insurance policy:

• Policy document
• Duly filled claim form
• Registration Certificate (RC) of the vehicle
• Driving license of the person driving at the time of the accident
• Police FIR copy (mandatory in cases of theft)
• Original repair invoices and bills (for reimbursement claims)
• Form 28/29/30 duly signed by the vehicle owner (in case of total loss)
• No Objection Certificate (if the vehicle is financed)

For a full list of documents and claim instructions, visit our motor claims page.

Common reasons for two-wheeler insurance claim rejection

While most insurers offer a hassle-free claim process, claims can still be rejected if due diligence is not followed. Here are some of the most common reasons:

1. Delayed reporting: Failing to inform the insurer within the time frame given in the policy documents can lead to rejection.
2. Invalid or expired policy: If your two wheeler insurance policy has expired or was inactive during the time of the incident, the claim will be rejected.
3. Incorrect or Incomplete Documents: Missing or incorrect documents can cause delays or rejection of the claim.
4. Uninsured modifications: If the bike has been modified without informing the insurer, it may affect claim approval.
5. Driving without a valid license: If the person riding the bike at the time of the accident didn’t hold a valid driving license, the claim will be rejected.
6. Drunk driving or violation of law: Any illegal activity or intoxication at the time of the incident voids the claim eligibility.
7. Repairs done without surveyor inspection: If you get the bike repaired before the insurer’s surveyor has assessed the damage, the claim can be denied.

Conclusion

Any discrepancies in claim form or documents may lead to the rejection of your two-wheeler insurance claim. Hence, make sure to accurately fill every detail while filling the form and submit all documents carefully to avoid your claim's rejection.

A comprehensive two wheeler insurance policy covers your bike against a wide range of risks. If your bike is still unprotected, buy two-wheeler insurance today.

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.