Updated on 27-03-2025

Having bike insurance is crucial for all motorcycle owners. It is equally important to always keep the insurance documents with you. This piece of paper may seem insignificant, but it holds immense value and serves multiple purposes. Firstly, having your bike insurance document readily available ensures that you are complying with the legal requirements of the Motor Vehicles Act.

Moreover, the bike insurance document acts as a safety cushion in the unfortunate case of an accident. It provides you with financial protection and covers any damages caused to your motorcycle and third-party liabilities.

But what if you have lost this document? Well, you do not need to worry if you have secured your bike with ICICI Lombard.

How to Download Bike Insurance Policy Document Online?

You can download your bike insurance policy document online through the following methods: 

1. From your insurer’s website.
2. Through the insurance aggregator platform, if you purchased the policy from there.
3. Using the insurer’s WhatsApp service

How to Download ICICI Lombard Bike Insurance Copy Online? 

Upon purchasing or renewing your policy, you will receive a digital copy from ICICI Lombard at your registered email address. If you misplace the physical copy, you can easily retrieve it by searching for the email we sent you. If you cannot locate the email, here are alternative methods to obtain a copy.

Through the Policybazaar.com 

• Log in to your account on Policybazaar using your mobile number or email address.

• Go to “My Policies” 

• Find your bike insurance policy, download it, and save a copy. 

Through the ICICI Lombard Website

• Visit www.icicilombard.com
• Tap on the dashboard.
• Tap on 'Support' and choose 'Help Centre.'
• Go to 'Online Requests' and tap 'Request policy copy' or 'Require policy copy.'
• Choose your insurance type from the product section.
• Tap on 'Request' from the case type drop-down list, and click 'Next.'
• Share policy number and details like date of birth or registered contact number.
• Enter the code to proceed.

Through the ICICI Lombard Chatbot (RIA)

RIA is our responsive bot that makes your query resolution swift and prompt. Here is how she can help.

• Tap on 'Ask RIA' displayed on the 'Help Centre' page.
• You will be redirected to the Yellow Messenger web page.
• Click on 'Already a Customer.'
• Tap on 'Download your policy.'
• Choose from policy number, vehicle number, or mobile number.
• After a few more steps, you can download your policy copy.

RIA is also available on WhatsApp. Save 7738282666 in your contact book and initiate a chat on WhatsApp by sending a 'Hi' message.

Other Methods to Obtain Your Policy Document

• Call 18002666, and our customer support executive will help you obtain a policy copy.
• You may also email your request to customersupport@icicilombard.com

Another way to download your policy document is through the ILTakeCare App. But for that, you must add your policy beforehand to the app. You must remember your policy number to get a copy from this bike insurance app download.

FAQs 

• Can I get my bike insurance policy without the policy number? 

Yes, using your mobile number or email address registered with the insurance provider, you can get a copy of your bike insurance. 

• How long does it take to download a bike insurance policy online? 

Once you have provided the correct details, you can download the policy copy quickly. 

• Is a digital insurance copy valid for claims?

 Yes, a digital copy is as valid as a hard copy for claims and other official uses. 

• What to do if I can not download my bike insurance policy document? 

Contact the insurer's customer support or visit their branch and follow their instructions to access your policy documents.

Conclusion 

If you misplace your policy document or can’t find the soft copy in your email, you can download your two-wheeler insurance through the insurer’s website, app, or the insurance aggregator platform if you purchased from there. Stay on top of all things related to your bike by keeping a digital copy of the policy and enjoy the full benefit of your insurance.

As global warming and its adverse effects become increasingly apparent, we need immediate solutions to combat climate change. India, a growing market for electric vehicles (EVs), has witnessed a surge in the adoption of electric bikes and scooters. To support this transition towards sustainable mobility, the Indian government has implemented various schemes. It includes the Electric Vehicle Policy and the Faster Adoption and Manufacture of (Hybrid &) Electric Vehicles (FAME) scheme. These initiatives aim to provide incentives and subsidies to EV manufacturers and buyers. Here, we will explore the state-wide subsidies offered for electric two-wheelers in India under the FAME scheme.

What is the Electric Vehicle Policy of India?

We can explain to you the Electric Vehicle Policy of India. It is a government initiative. It promotes the country’s adoption and manufacturing of electric and hybrid vehicles. It lays out a complete roadmap to electrify public and private transportation. It aims to reduce pollution and mitigate the impact of climate change. The policy includes various measures, such as subsidies, incentives, and infrastructure development, to accelerate the growth of the electric vehicle industry.

What is the FAME scheme?

The FAME Scheme, launched in 2015 as part of the Electric Vehicle Policy of India, is a financial incentive program designed to promote the production and sales of EVs in the country. The scheme supports manufacturers, suppliers, and buyers of electric vehicles to encourage their adoption and create a robust market for electric mobility.

What are the features of this scheme?

The FAME scheme encompasses several key features to drive the adoption of electric vehicles. Some of the prominent features include:

• Creating demand through financial incentives and subsidies.
• Promoting technology development and manufacturing of electric and hybrid vehicles.
• Establishing a charging infrastructure network to support electric vehicle usage.
• Encouraging public and government fleet electrification.
• Supporting research and development in the field of electric mobility.
• Implementing pilot projects for electric vehicles in various regions of the country.

In today’s world, where fuel prices continue to rise and environmental concerns loom large, understanding the mileage of your bike holds tremendous significance. The mileage, often referred to as fuel efficiency or fuel economy, is a vital metric that directly impacts your pocket and the environment. By calculating the mileage of your bike accurately, you gain valuable insights into its fuel consumption patterns, allowing you to make informed decisions about your riding habits, maintenance routines, and even future bike purchases.

Let us discuss how to calculate the mileage of a bike and tell you how to go about it in easy steps.

How to Calculate the Mileage of a Bike?

Here is a step-by-step guide on how to calculate the mileage of your bike:

Fill up the tank

Begin by filling your bike’s fuel tank to its maximum capacity. Record the total amount of fuel you have added in litres or gallons.

Note the odometer reading

Take note of the current reading on your bike’s odometer. This shows the total distance your bike has travelled.

Ride and refill

Start riding your bike as you normally would, keeping track of the distance covered. When you need to refuel, note the amount of fuel you add and the reading on the odometer.

Calculate distance travelled

Determine the distance covered during that ride by subtracting the initial odometer reading from the final. For example, if the initial reading was 500 kilometres and the final one was 550 kilometres, the distance travelled would be 50 kilometres.

Calculate mileage

Divide the distance travelled by the amount of fuel consumed.

Average it out

To obtain a more accurate estimate, repeat this process over several rides and calculate the average mileage. This will give you a better understanding of your bike’s overall fuel efficiency.

Here is a detailed method for calculating your bike’s mileage:

Take note of the odometer reading before starting your trip. Suppose the first reading is 1500 kilometres. You fill up your bike’s fuel tank with 4 litres of petrol and record the amount you added. After some time, stop to refuel. Record the odometer reading at this point. Let’s say the second reading is 1800 kilometres.

Determine the distance travelled during your trip by subtracting the first reading from the second reading. In this case, the distance travelled is 1800 - 1500 = 300 kilometres.

Calculate the mileage using the formula:

Mileage = (Second Odometer Reading - First Odometer Reading) / litres of petrol filled

Plugging in the values, we have mileage = 300 km / 4 litres = 75 kilometres per litre.

Factors Affecting Mileage of a Bike

There are several factors that impact the mileage of your bike. These are-

1. Weight: The overall heaviness or lightness of your bike affects its mileage. Unnecessary add-ons, large horns, and other accessories increase bike weight and decrease mileage.

2. Aerodynamics: If the bike can efficiently cut through airflow and reduce pressure on the engine, it is bound to have better fuel efficiency and good mileage.

3. Tyre Type: The size of the tyre and its air pressure impacts bike mileage. Low pressure and large size can significantly reduce the mileage of your two-wheeler.

4. Gears: Gears are an important part of any vehicle. Changing gears more frequently leads to higher fuel consumption and reduces efficiency, resulting in decreased mileage. Continuously using the bike on high gears also results in low fuel efficiency.

5. Fuel: The quality of the fuel used also impacts bike mileage. High-octane fuel provides more mileage. Contaminants in the fuel can reduce the performance of the bike and lower fuel efficiency.

6. Bike Maintenance: Keeping the bike parts, such as chains and tyres, clean is essential to ensure fuel efficiency. Also, check the two-wheeler for oil leaks or minor damages that may hurt its performance.

7. Fuel Tank: Filling the tank fully or leaving cracks in its cap unrepaired may cause fuel to spill or leak, affecting fuel efficiency.

8. Acceleration and Braking: The mileage of your bike may be reduced substantially if you overuse the accelerator and break. Learn to efficiently ride a two-wheeler on different terrains to resolve this issue.

9. Weather and Land Conditions: Extremely hot or cold weather can impact the bike’s fuel consumption. Similarly, riding a two-wheeler in difficult terrains such as mountains may increase fuel usage and decrease efficiency.

Tips for Maintaining Good Mileage on Your Bike

You should perform some regular maintenance steps to ensure fuel efficiency and good mileage-

1. Follow a Regular Maintenance Schedule: Clean your bike at home regularly, replace engine oil, and remove debris. Go for a servicing centre for additional maintenance and repairs.
2. Check Tyre Pressure: Inspect tyres regularly, using a pressure gauge to maintain proper air pressure. 
3. Ride Smoothly: Avoid overusing breaks and accelerators and maintain a stable speed within the limits of the bike and road.
4. Avoid Overloading: Do not carry extra luggage or accessories that may suddenly increase the bike’s weight and decrease its efficiency.
5. Use Good Quality Fuel: Always choose a trusted bike fuel brand and refill at authorised gas stations. Do not mix fuels or use additives without consulting with the manufacturer.
6. Switch Off the Engine: Turn off the engine when stopping in traffic to efficiently use fuel.
7. Use Gears Optimally: Shift bike gears smoothly and avoid using low gears for long periods.
8. Check Chain Tension: Ensure the bike’s chain is adjusted and well-oiled.
9. Plan Your Bike Rides: Pick routes with less traffic and smooth roads. Instead of making multiple short trips, try planning your ride to complete several errands in one go.

The importance of good two-wheeler insurance in maintaining the overall health of your bike can never be overstated. Always choose a policy that provides comprehensive coverage to keep your bike in top condition.

Conclusion

Following the steps outlined above, you can accurately determine your bike’s mileage and gain valuable insights into its fuel efficiency. Remember, regular calculations and mileage tracking can help you optimise fuel consumption and save money in the long run.

As a responsible bike owner, it is crucial to consider comprehensive bike insurance to protect yourself and your beloved two-wheeler. Bike insurance provides financial coverage against several unforeseen events.

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

The months of March, April, and May in India’s hot climate are known for having exceptionally humid days. The steps for bike maintenance in summer are very dissimilar to those you must take in the winter or rainy season. This can make it challenging as heat and grit are two of the hardest things for bikers to contend with during summer.

The worst possible scenario for a biker would be staring at a mechanical breakdown in the middle of nowhere during the hot summer months and being unable to ride home or reach one’s destination on time. We prefer maintenance over replacement. In this article, you will learn bike maintenance tips for summer on how to maintain your vehicle to withstand the scorching heat.

Keeping Tyre & Brakes in Check

• It is generally agreed upon that the bike's tires are one of the component sets that contribute the most to its overall functionality. Their current condition significantly impacts the ability of the tires on your bike to dissipate heat.
• The summertime is the time of year when tires are most susceptible to damage. Due to the possibility that your bike’s tires could abruptly blow out in this kind of severe weather, it is imperative that you perform routine inspections on them as often as possible.
• Before setting out on your journey, you must carefully examine the vehicle to search for any indications of damage.
• Brakes are essential to ensure the safety of all vehicles on the road. The brakes shouldn’t be overly tight or loose; they should be able to stop your bike when a reasonable amount of pressure is applied.
• You must replace the brake pads when they reach a certain degree of wear and tear because they deteriorate over time. If your brakes are screeching, it is a warning indication. You should get them fixed or repaired as soon as possible.
• You should change the brake fluid every two to three months or as per the manufacturer’s recommendation.

Fluids and Oil Levels

• You must check the oil level in the vehicle routinely to maintain your bike in good condition. You should do this at regular intervals. Experts advise against never letting a motorcycle’s oil tank run dry because doing so leaves the tank open to particulate accumulation. This can have a long-term detrimental effect on the motorcycle’s performance.
• You must regularly change the cooling fluid if you ride a motorcycle that uses liquid to cool the engine. The capacity of the coolant to absorb heat will decrease over time.
• During the fall and winter months, stock your radiator with antifreeze of the highest possible quality. By allowing for faster cooling, it shields your motorcycle from the potentially damaging effects of heat in summer and keeps the engine cool.
• You should avoid filling up the gas reservoir when the weather is hot. This is because petroleum tends to expand when exposed to high temperatures. If you keep your motorcycle in a location where it remains exposed to the sun in its entirety, there is a possibility that it will overheat and catch fire.
• You should maintain a reserve that will help in an emergency if your vehicle runs out of fuel. This acts as a great bike maintenance tip for summer, as it ensures that you do not get stranded for hours in the heat.

Jumping a red light is one of the most common traffic violations in India, especially among two-wheeler riders. Whether done accidentally or on purpose, this act is dangerous and against the law. It not only puts the rider at risk but also endangers the lives of others on the road. Authorities have become stricter over time, and heavy fines are now in place to control such behaviour. Following traffic signals, especially at busy junctions, is an important part of safe driving.

In this blog, we will look at the rules for traffic lights and the penalties for jumping red lights.

Traffic lights rules: Green, yellow and red light

Traffic signals are provided to control the flow of vehicles and ensure the safety of everyone on the road. Each colour in the traffic light system has a specific meaning:

• Green light: When the light turns green, it means you can move forward or take a permitted turn. However, make sure the path is clear before proceeding.
• Yellow light: A yellow or amber light is a warning that the signal is about to turn red. If you are far from the signal, you should slow down and stop. It is not an invitation to speed up and cross quickly.
• Red light: This means 'stop'. You must bring your bike to a complete halt before the stop line. Moving ahead during a red signal is illegal and can lead to fines or penalties.

Many accidents at traffic junctions happen because riders do not respect the red light. It is vital to understand that even if the road looks empty, the rules still apply. Cameras and traffic officers keep a close eye on such violations.

Fine for jumping red light in different states

The Indian Motor Vehicles Act has laid down specific penalties for traffic violations, but individual states have the authority to adjust the amount of the fine depending on their policies.

Below is the list of a few states and their respective fines:

What happens after you get caught breaking traffic rules?

When you are caught jumping a red light, several things can happen:

1. On-the-spot fine: A traffic police officer may stop you and issue a challan immediately. You will be asked to pay the fine or be given time to pay it later.
2. E-challan: In many cities, traffic police use cameras to monitor signals. If your bike is caught on camera, you will receive an e-challan through SMS or post.
3. Court notice: In extreme cases, like aggressive or dangerous driving while jumping a red light, you might be summoned to court.

How to pay challan online?

Thanks to digital services, paying traffic fines is now simple and quick. If you have received an e-challan or were stopped by the police, there are both online and offline ways to clear the fine.

Online process

1. Visit the official website of your state’s traffic police or the Parivahan portal.
2. Enter your vehicle number/challan number to check the pending fine.
3. Verify the details of the offence.
4. Proceed to the payment option using a debit card, credit card or net banking.
5. Once paid, you will get a confirmation message or receipt.

Offline process

If you prefer to pay in person:

1. Go to your nearest traffic police station or court as mentioned in the challan.
2. Provide your challan details and vehicle documents.
3. Pay the fine.
4. Collect the receipt and keep it safe for your records.

Tips to avoid breaking a red light

Here are some practical suggestions to help you stay safe and avoid breaking red lights:

• Plan your journey with enough time so you are not rushing to reach your destination.
• Always slow down when approaching a signal, especially if the light is yellow.
• Pay attention to road signs and signals even if the road looks empty.
• Do not try to beat the red light. It is safer to wait for the green signal.
• Stay alert at all times, especially in busy traffic areas and near schools or hospitals.
• Regular vehicle maintenance ensures your brakes and indicators are working properly.
• Always stay covered with insurance. This not only protects you financially in case of accidents but also ensures compliance with the law.

In India, having third party bike insurance is a legal requirement for all bike owners. This type of bike insurance covers the cost of damage or injury caused to another person or vehicle in an accident. While it does not cover damage to your own bike, it helps you avoid major expenses in case you are involved in a mishap.

Conclusion

Understanding the fines in different states and knowing how to pay a challan can save you time, money and legal trouble. Jumping a red light might seem like a small mistake, but it can have serious consequences. It may put lives at risk and lead to heavy penalties, loss of licence or legal troubles. Every rider must understand and respect traffic signals to ensure road safety for all.

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

When people talk about bikes, one of the most common terms you will hear is "CC". It is often mentioned in advertisements, bike reviews or everyday conversations among riders. For anyone who owns a two-wheeler or is planning to buy one, understanding Cubic Capacity is important. Take a look at the meaning of CC in bikes, how it impacts performance and why it matters for your third-party or comprehensive bike insurance premium.

What is the meaning of CC in a bike's engine?

In the context of engines, CC means “cubic centimetre” or “cubic capacity.” It is a unit of measurement used to express the engine’s displacement. During one complete cycle of operation, the engine displacement refers to the total volume of air and fuel mixture that the engine’s cylinders can sweep through.

To calculate the displacement of an engine, multiply the cross-sectional area of the cylinder bore by the distance the piston travels during each stroke. For example, if a cylinder has a bore of 50 mm and a stroke of 60 mm, the displacement of that cylinder would be:

Displacement = (pi/4) x (50 mm) ^2 x 60 mm = 471 cc

In a multi-cylinder engine, the total displacement is the sum of the individual cylinder displacements. For example, a four-cylinder engine with a displacement of 471 cc per cylinder would have a total engine displacement of:

Total displacement = 4 x 471 cc = 1884 cc

The displacement of an engine is a vital factor in determining its power output, with larger engines generally producing more power than smaller ones. However, other factors such as compression ratio, valve timing and fuel delivery also play a role in determining the engine’s power and efficiency.

How does CC affect engine performance?

The cubic capacity of a bike directly influences its performance. Let’s break it down:

1. Power and speed

A higher CC engine usually produces more horsepower, which directly impacts the bike’s ability to go faster and accelerate quickly. The extra power makes the ride more thrilling and responsive, especially for those who enjoy high-speed performance.

2. Fuel efficiency

When it comes to fuel efficiency, smaller CC engines are the clear winners. They burn less fuel per cycle, making them more economical for everyday use. Bikes in the 100cc–125cc range are especially popular in India for daily commuting, as they provide excellent mileage and help save on fuel costs. On the other hand, larger CC bikes may offer more power and better performance, but they tend to consume more fuel.

3. Comfort and usage

Lower CC bikes are generally lighter in weight, making them easier to handle, especially in city traffic. They are perfect for short rides and daily commutes, where manoeuvrability and ease of use are important. In contrast, higher CC bikes provide more stability and comfort on highways, making them ideal for long-distance touring.

4. Maintenance

Maintenance costs are another area where CC plays a role. Smaller engines usually require less costly maintenance as their design is simpler and the parts are relatively cheaper. In comparison, bigger CC engines often come with advanced technology, more parts and more complex systems, making replacements and repairs much expensive.

Cubic Capacity (CC) categories in two-wheelers

In India, bikes come in many engine sizes. Let’s look at the most common categories and their uses:

• Up to 110cc: Bikes in this range are best for daily city commuters who prioritise mileage, easy handling and low running costs. They are lightweight, affordable and perfect for short rides in traffic.

• 111cc to 125cc: This range offers a good balance between mileage and power, making it ideal for people who want a little more performance without compromising too much on fuel efficiency. These bikes are commonly chosen by office-goers and college students.

• 126cc to 160cc: Bikes in this range appeal strongly to young riders and those who want a sportier feel while still using the motorcycle for city rides. They provide better acceleration and stylish looks, making them popular in urban areas.

• 161cc to 200cc: This category is designed for entry-level sport riders who are looking for more power, speed and performance. These bikes are suitable for both city and short highway rides.

• 201cc to 350cc: Bikes in this range are usually chosen by beginners in touring or those who enjoy retro-styled motorcycles. They provide a balance of power and comfort, making them ideal for long-distance travel.

• Above 500cc: These are superbikes and heavy cruisers. They are designed for speed lovers, adventure riders and those who want premium performance.

How does CC impact bike insurance premiums?

The Insurance Regulatory Development Authority of India (IRDAI), the country’s insurance industry regulator, and insurance providers jointly decide on vehicle insurance pricing. The former sets forth the premium for third-party liability coverage and guidelines that insurance companies must adhere to when calculating the cost of own-damage coverage.

The IRDAI considers the vehicle’s engine displacement size when determining the third-party insurance premium. That indicates the third-party premium for two identical vehicles with similar cubic capacities will be the same.

 The table displaying the cost of third-party insurance for various engine displacement sizes is detailed below.

For a single-year policy

Bike's Engine Displacement Size

Premium

Below 75 cc

Rs 538

Between 75-150 cc

Rs 714

Between 150-350 cc

Rs 1,366

Above 350 cc

Rs 2,804

As per the revised rule, owners of new vehicles must purchase a multi-year policy. Another thing to keep in mind here is that premium increases with displacement size because higher displacement size engines tend to have higher horsepower and torque, which can lead to more aggressive driving behaviour, increasing the likelihood of accidents.

Conclusion

Cubic Capacity is one of the most important factors in a bike. It affects not only the performance and fuel efficiency, but also the cost of maintenance and even your insurance premiums. Choosing the ideal bike is about finding the right balance between budget, comfort, mileage and performance. While you focus on selecting the right motorcycle for your needs, don’t forget that the right insurance is just as important. You can easily buy a suitable two-wheeler insurance online from the convenience of your home.

If you need help finding the ideal bike insurance, fill out the form on this page. We provide personalised advice to help you get the policy tailored to your needs.

FAQ

• Does higher CC always mean more speed?

Not always. While higher CC engines usually have more power, other factors like engine design, technology and bike weight also play a role in the speed of the motorcycle.

• Which CC bike is best for beginners?

For new riders, a bike between 100cc–150cc is ideal. They are easy to handle, fuel-efficient and safe to ride.

• Do insurance companies only look at CC for the premium?

  No, CC is one factor. They also look at the bike’s age, value, location and type of coverage chosen.

• Can I modify my bike to increase CC?

  Technically, some modifications can change the engine’s CC, but it is not recommended. It may reduce mileage, increase maintenance costs and also affect insurance validity.

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.

Indian bike market provides several options to seasoned and amateur riders. If you plan to buy a two-wheeler, understanding the different types and their features will help you choose a good one that matches your needs and personal taste. This article will look at the different types of bikes on Indian roads and underline the importance of bike insurance for a tension-free ride. Ultimately, we aim to assist you in making a decision that aligns with your best interests.

Types of Bikes in India

Based on design, utility, and performance, bikes in India can be categorised into the following types-

• Motorcycles without Gear

These motorcycles are designed for easy riding, making them a good choice for beginners. These are lightweight and have automatic transmission, ideal for urban landscapes. Popular examples are the TVS XL100 and Honda Navi.

Advantages

• Easy to ride
• Low maintenance
• Affordable

• Street Bikes

These are the most common types of motorcycles on Indian roads. They are ideal for daily commutes and offer a blend of mileage and performance. They run smoothly on the road and sidewalks and are popular with bike enthusiasts. Honda Splendour and Bajaj Pulsar are the top street bikes in India.

Advantages

• Fuel efficiency
• Comfortable for medium-distance rides
• Budget-friendly

• Sports Bikes

Sports bikes are premium motorcycles with speed, style, and performance that suit adventurous rides. These are lighter in weight and packed with modern technology. They have high-performance, four-stroke, liquid-cooled engines. Some popular sports bikes in India are the Hero Xpulse 200 and Kawasaki Ninja.

Advantages-

• High-speed
• Superior handling
• Sleek and stylish make

• Dirt Bikes

These bikes are specially made for off-roading and uneven landscapes. Knobby tires, lightweight structure, and better ground clearance make them popular for adventure bikers. Made with plastic, these bikes are also used for races and exploration. Kawasaki KLX 140G and Suzuki RM-Z250 are examples of dirt bikes available in the Indian market.

Advantages-

• Amazing off-roading experience
• Durable construction
• Suitable for exploration of trails and uneven regions

• Cruiser Bikes

These are known for superior comfort and style. The relaxed seating position, wide set handles, and powerful engine make cruiser bikes ideal for long rides. Also known as beach cruisers, these two-wheelers became fashionable in the 1930s-50s, when they were used for leisurely rides along sea beaches. These continue to be popular among riders. Some common cruiser bikes in India are the Royal Enfield Classic 350 and Harley Davidson Street 750.

Advantages-

• Powerful performance
• Stylish make
• Comfortable for long rides

• Touring Bikes

These two-wheelers are exclusively designed for long rides. They are packed with larger fuel tanks, space for luggage, and windshields to protect the rider. With a balance of endurance and comfort, these bikes are loved by adventurers who love to take the roads less travelled. The Royal Enfield Himalayan and Bajaj Dominar 400 are popular touring bikes among Indian bikers.

Advantages-

• Balance of performance and comfort
• Perfect for navigating highways and remote areas
• Advanced features for touring

• Scooters

These two-wheelers are one of the most popular bikes in India. Affordable, easy to ride, and convenient for all ages, scooters come with automatic transmission, ample leg space, and comfortable seats, all within an affordable price range. Honda Activa, TVS Jupiter, and Suzuki Access 125 are some of the most common scooters among Indian buyers.

Advantages-

• Easy to learn and ride
• Ample storage space
• Affordable price and fuel-efficient performance

Why Buy Bike Insurance Online?

The benefits of buying bike insurance online are listed below:

• Compared to going to the dealer, purchasing bike insurance online and renewing it on time saves significant time and effort.
• Online bike insurance is also cost-effective, as one can take advantage of various discounts and offers.
• The online bike insurance purchase process is also far more transparent as compared to showroom bike insurance, as one can check the reviews and feedback of existing customers.
• The online claim settlement process is also efficient and swifter, making it easy to file claims and keep track of their status.
• The online renewal process is also easy and gets done with a few clicks.
• Dealers provide “bundled” bike insurance policies. Purchasing it online allows customers to choose a policy that best meets their requirements.
• As no intermediaries are involved when you make a purchase online, you are free to filter features according to your needs. This eliminates the possibility of the preference of any insurance agent. Hence, you are in a position to make a selection based on the policy’s features rather than the opinion or recommendation of an individual.

To sum up, buying bike insurance online offers numerous benefits, such as cost-effectiveness, transparency, convenience, and faster claim settlement. It is indeed a more convenient and financially rewarding way of purchasing a bike insurance policy as compared to purchasing it from dealers.

FAQs

1. What is the most popular bike in India?

Commuter bikes, due to their affordability and performance, are the most popular type among  Indian riders.

2. -Which is the number 1 bike in India?

Hero Splendour is voted the number 1 bike in India, preferred by most buyers for its fuel efficiency and durability.

3. What is the most fuel-efficient bike in India?

Hero Splendour Plus and Bajaj Platina 110 are popular for their superb mileage, perfect for cost-conscious buyers.

3. Are dirt bikes legal on Indian roads?

Dirt bikes are not allowed on Indian roads as they do not come with proper safety equipment such as headlights, mirrors, and brake lights and are thus considered “non-street” bikes.

4. Is scooty safer than a bike?

Due to better stability and comfort, scooty may be preferred over bikes. However, overall safety depends on the rider's skills and ability to follow road rules.

5. Are bigger bikes safer?

Bigger motorcycles offer stability at higher speeds but can be difficult to control for beginners, making them prone to accidents.

Conclusion

India has a diverse bike market that caters to the needs and tastes of its varied consumer base. From dirt bikes to everyday commuter bikes, the choices are unending. Thus, it is important to know about the different options to make an informed decision. Whichever model you buy, it is essential to obtain bike insurance to protect your cherished two-wheeler. Having understood the selections available in the market, you are all set to buy the perfect bike yourself. Happy riding!

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. 

Picture this; You are cruising down the open road on your beloved motorcycle, feeling the wind in your hair and the sun on your face. As you navigate the twists and turns of the scenic route, you feel confident knowing you have insurance coverage to protect you in case of an accident. But what if that coverage is not as secure as you think? Yes, you read that right. Failure to follow some basic rules and regulations could result in rejected claims, leaving you stranded without coverage. So, buckle up (or should we say helmet on) and get ready to explore the essential things you need to keep in mind to ensure your bike insurance remains valid.

Things That Can Make Your Bike Insurance Void

Motorbike insurance should be purchased at the same time as a motorcycle to offer financial security in the event of an accident. However, several elements might result in a rejected claim. This may be the case when another person is riding your bike and causing you harm or if your vehicle gets damaged due to overspeeding. If the owner is involved in an accident, the insurer will pay to fix it, but if you lease or lend your two-wheeler, the borrower will be responsible for the costs. Motorcycle insurance does not account for depreciation due to normal use, maintenance, or repairs. The insurer will not compensate you if you lose the keys to your motorcycle or leave them on the bike, which then gets stolen.

Two-wheeler insurance does not provide coverage for mechanical or electrical breakdowns. The insurer will provide no compensation if an unauthorised rider or a minor who does not possess a valid license causes an accident. In addition, your insurance company will not pay for anything that goes wrong while you're riding drunk or under the influence of illegal substances. The insurance provider will reject your claim if you suffer any injury or there is damage to your two-wheeler that results from not wearing a helmet. Natural catastrophes and man-made disasters like riots and wars are not covered if they cause damage to the bike.

Some factors that could make your two-wheeler insurance policy null and void are:

1. Bike Modifications

Companies categorise bike modifications into two types: cosmetic and performance-enhancing. Cosmetic alterations may include

• changes to the paint job, graphics, or accessories like a windscreen or saddlebags
• external fittings like a luggage carrier
• performance-enhancing modifications may include alterations to the engine, suspension, or exhaust system.

If you fail to declare these modifications to your insurance company, your policy stands void. Additionally, if you install a larger engine or modify the exhaust system, your bike may become louder and attract unwanted attention from law enforcement while making the insurance cover invalid. Always check with your insurer about modified bike insurance rules.

Certain insurance companies may assess the price for motorcycle upgrades depending on the policy. Remember that any changes you make to your bike, no matter how modest, will likely result in a higher premium. Your insurer may refuse to pay claims or even terminate coverage if you do not inform the insurance provider of the modifications. However, if an insured person with a disability chooses to use a two-wheeler and makes special adjustments to the vehicle, the insurance company will not increase the premium. The insurer offers further discounts on the premium in such cases.

2. False Claims

Insurance companies rely on accurate information to assess risks and determine appropriate coverage and premiums. False information can lead to fraud charges and legal consequences, damage the trust between you and your insurer, and result in the denial of your claim and cancellation of your policy.

3. Fleeing the Site of the Accident

When you are involved in an accident, the law clearly states that you must stop and exchange information with the other parties involved. Failure to do so is considered a hit-and-run and is a criminal offence. Insurance companies consider hit-and-run incidents to be intentional acts and may deny your claim as a result. Additionally, leaving the scene of an accident can make it more difficult for your insurance company to properly investigate the incident and assess liability, further jeopardising your coverage.

Riding a motorbike can be a thrilling experience, but it also comes with its share of inherent risks. No matter how skilled and careful a rider you are, accidents can happen, and the consequences can be devastating. That is why it is essential to have the right insurance coverage in place to protect yourself and your loved ones from financial hardship in the event of an accident. Personal accident coverage is one type of coverage you may encounter when shopping for bike insurance. But what is it, and why may you require it?

Without giving too much away about the specifics of personal accident cover, it is worth noting that accidents can have a wide range of consequences beyond just physical injury. They can impact our ability to work, our mental health, and our relationships. Personal accident coverage helps mitigate some of these impacts by providing financial support when we need it most.

Initially, the Motor Vehicles Act required bike owners to have at least third-party insurance to ride legally on the road. However, due to the number of road accidents, the Insurance Regulatory and Development Authority of India (IRDAI) later made personal accident insurance mandatory as well.

What is a personal accident cover?

A personal accident (PA) cover is a vehicle insurance add-on that offers financial protection to the owner-driver of a two-wheeler in case of an accident. It provides compensation for medical expenses, temporary or permanent disabilities, and even death caused by an accident while riding the insured vehicle.

Key features of a PA cover:

• Coverage for disabilities: Offers financial aid in case of partial or total disability due to an accident.
• Death benefits: Provides a lump sum amount to the nominee or family in case of the insured’s untimely death.
• Flexibility: PA cover can be purchased separately if not included in the base insurance policy.

What is the importance of personal accident cover?

The importance of a PA cover cannot be overstated, especially for two-wheeler riders who are more vulnerable to road accidents. Here is why it is crucial:

1. Mandatory as per law: As per the Indian Motor Vehicles Act, a PA cover is compulsory for all vehicles, including two-wheelers.
2. Financial protection: Accidents often come with hefty medical bills. PA cover ensures that you or your family does not face financial hardship during such times.
3. Disability compensation: In case of partial or total disability, the cover provides monetary compensation to help you cope with lifestyle changes or loss of income.
4. Peace of mind: Knowing that you are covered against unforeseen circumstances allows you to ride with confidence.

How to buy a personal accident cover in bike insurance?

Getting a PA cover is straightforward and can be done in multiple ways:

1. With comprehensive insurance: Many comprehensive two-wheeler insurance policies already include a PA cover as part of the package.
2. Standalone PA cover: If your existing insurance policy does not include a PA cover, you can purchase it separately from any insurance provider.
3. Online purchase: Most insurance providers offer the option to buy or add a PA cover online through their website or mobile app.

Steps to buy a PA cover online:

1. Visit your insurance provider’s website or app.
2. Enter your bike details and select your existing insurance policy.
3. Choose the PA cover add-on or standalone option.
4. Make the payment, and the updated policy will be issued immediately.

What is covered in personal accident cover in bike insurance?

As per the rule, you need a personal accident cover of Rs 15,00,000 to ride penalty-free. Here is what the PA rider covers.

• Accidental death: If the insured passes away unexpectedly in a road accident, the insurance company will provide the full sum insured to the nominated beneficiary.
• Disability: In the event of disability, the compensation will be in the following percentage.  

What is not covered in personal accident cover in bike insurance?

While a PA cover is comprehensive, it does have certain exclusions. Here is what it does not cover:

1. Drunk driving: Accidents caused under the influence of alcohol or drugs are not covered.
2. Unlicenced driving: If the insured does not have a valid driver’s licence at the time of the accident, the claim will be rejected.
3. Suicidal attempts: Self-inflicted injuries or suicide attempts are not included.
4. Racing or speed trials: Damages caused during illegal activities such as racing are not covered.
5. Non-accidental death: Natural causes of death, such as illnesses or old age, are excluded.

How to claim PA cover in bike insurance?

Filing a claim under the PA cover is a systematic process. Here is a step-by-step guide:

1. Notify the insurer: Inform your insurance provider immediately after the accident.
2. Collect necessary documents:
• FIR or police report (in case of major accidents).
• Medical records and bills.
• Disability certificate (if applicable).
• Death certificate (in case of accidental death).
3. Submit the claim form: Fill out and submit the claim form and the required documents.
4. Insurer verification: The insurer will verify the claim details through police or hospital records.
5. Claim settlement: Upon approval, the insurer will disburse the claim amount to the insured or the nominee.

FAQs

1. Is personal accident cover mandatory for two-wheeler insurance?
   

   Yes, the Indian Motor Vehicles Act mandates a PA cover for all vehicle owners, including two-wheelers.

2. Can I buy a PA cover separately?
   

   Yes, you can purchase a standalone PA cover if it is not included in your current insurance policy.

3. What is the sum insured under a PA cover?
   

   The standard sum insured is ₹15 lakh, but it may vary based on the insurer and policy terms.

4. How long does it take to settle a PA cover claim?
   

   Claim settlement timelines vary by insurer but generally take 7–15 days, provided all documents are in order.

5. Can passengers be covered under the PA policy?
   

   Yes, some policies allow you to extend PA coverage to pillion riders by paying an additional premium.

6. Do I need to buy separate PA covers if I have two bikes?

No, a single PA cover will provide coverage for both your bikes since it applies to the individual policyholder.

7. Do I need different PA covers for my bike and car?

No, since the PA cover is applicable to the individual, a single personal accident cover purchased for the policyholder will suffice for multiple vehicles. 

Conclusion

A Personal Accident cover in bike insurance is not just a legal mandate—it is a life-saving financial safety net. It offers protection against emergencies and accidents, ensuring that you and your loved ones are financially secure in a difficult situation. From covering medical expenses to providing compensation for disabilities or accidental death, a PA cover is a must-have for every bike owner. By understanding its importance, coverage, and exclusions, as noted in this blog, you can make an informed decision to make the most of your two-wheeler insurance policy.

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 people, their cars and bikes are an extension of themselves. They go to extremes to customise their vehicles so that it reflects their personality. Another way people like personalising their cars and bikes is by opting for a fancy bike number plate at the time of vehicle registration at the local RTO.

Usually, RTO randomly assigns the next available registration number to a vehicle during the documentation process. However, if you wish for fancy bike number plates with a particular number of your choice, you can get them (provided the number is not taken by somebody else) by paying a fee. Read on to know what you need to do to have your car or bike feature in the 4-digit fancy number list.

How to get a fancy registration number for your car in India?

You can get a VIP or fancy bike number plate in India by paying a higher fee. However, that is not all. To acquire a fancy registration number, you will have to bid for the same through an e-auction of the VIP car number. Follow the steps given below if you are wondering how to get a fancy number plate for your car or bike in India:

Step 1: Visit the official website of the Ministry of Road Transport and Highways (MoRTH) and register online as a public user.

Step 2: Log into your account and choose an available fancy number.

Step 3: Next, pay the registration fees and reserve the fancy number.

Step 4: The number is kept open for reservation for some time. If within that period more than one person reserves the fancy number, then it is opened for bidding. If not, the number is given to the person who reserved it.

Step 5: If someone else has reserved the number of your choice, then bid for the VIP car number. The number will be given to whoever bids a higher amount for the number.

Step 6: When the result is declared, based on the result you can either pay the balance amount or apply for a refund.

Step 7: If you get the fancy number then for your reference and future use, print the letter of allotment.

Fees and registration charges for car and bike fancy number

The registration charges for a fancy bike number plate or that of a car vary from state to state. The rules of payment and refund are also not the same for every state. For instance, in Delhi, the registration fees for a fancy number for a bike or VIP car number are non-refundable, irrespective of whether you get the fancy number or not. Given below is the reserve charge list for fancy numbers in Delhi.

Many a time, insurance terminologies are difficult to grasp. However, some jargon, if not understood well, can cause trouble during claim settlement. One such term is IDV or Insured Declared Value. In simple terms, IDV is the maximum claim you are entitled to from your insurer in the event of total loss or theft. IDV also plays an important part in determining your bike insurance premium. Let's go over it in detail.

Factors affecting the insured declared value (IDV)

IDV depends upon the following variables:

• Bike's age
• Registration date of the bike
• Place of registration
• Make & model and variant
• Fuel type
• Insurance policy tenure

How is IDV of bike calculated?

A bike is a depreciable asset that loses value over time. It is not only a vital factor in determining insurance premiums, but it also influences the reimbursement value during claim settlement. According to the Indian Motor Tariff, the depreciation rates are as follows:

The rate of depreciation increases with the bike's age. As a result, older bikes are less worthy than two-wheelers in their early years. If your bike is more than five years old, depreciation will be calculated making spare parts and serviceable condition a base.

In case you own an obsolete two-wheeler, the insurer will arrive at an IDV after reaching a mutual agreement with you.

Impact of IDV on bike insurance premium

IDV is one of the most important factors in determining the premium for your comprehensive two-wheeler insurance policy. The cost of insuring your motorcycle is proportional to the IDV. Furthermore, the amount you declare as IDV is what you will receive as compensation if your bike is completely damaged or stolen.

• Higher IDV = Higher Premium: In most cases, a higher IDV is recommended because it helps you get a decent value in the event of theft or total loss. If you own an obsolete or old bike, declaring a higher value will result in a claim rejection. The ideal IDV should be more in line with the bike's current market value.
• Lower IDV = Lower Premium: A lower IDV reduces the premium but can result in inadequate compensation if your bike is irreparably damaged or stolen.
• Balanced IDV Choice: It’s essential to choose an optimal IDV that provides adequate coverage without unnecessarily inflating the premium.
• Third-party bike insurance vs. Comprehensive Insurance: IDV is applicable only for comprehensive policies, as third party bike insurance covers damages caused to others and does not compensate for the insured bike’s loss.

Conclusion

The IDV in bike insurance is the maximum amount your insurer will pay in the event of theft or irreparable damage to your two-wheeler. This value is determined by factors such as the make and model of the bike, the registration date, the registration location, and the fuel type. Understanding how IDV is calculated and the way it affects your bike insurance cost helps in selecting the right coverage. Whether opting for third party bike insurance or comprehensive coverage, ensuring a well-balanced IDV choice is key to securing the best protection for your bike.

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.

Having bike insurance in India is a legal requirement and a smart financial decision. With increasing road traffic and unpredictable accidents, having the right protection for your two-wheeler can save you from heavy expenses. Knowing how to claim bike insurance properly ensures you get the benefits when you need them the most.

In this blog, we will explain the two-wheeler insurance claim process in India, the types of settlements available, the required documents and common reasons why claims are made.

Bike insurance claim settlement process in India

The claim settlement process refers to the steps you need to follow to get compensation after an incident involving your bike. Whether it's an accident, theft or damage due to natural causes, your claim must be filed correctly and promptly.

The process usually begins with informing your insurance company about the incident. Next, a surveyor is sent by the insurer to inspect the damage. Depending on the policy and the extent of the damage, the company may either approve or reject the claim. If approved, the settlement will be done either through a cashless facility or via reimbursement.

Cashless claim settlement

A cashless claim settlement is a facility where you can get your bike repaired from a network garage without paying upfront for the repairs. The insurer settles repair bills directly with the garage, which reduces your out-of-pocket expenses.

When you choose a cashless claim, the process is smoother and quicker. After the accident, you must inform your insurance provider and take your vehicle to an authorised garage. A surveyor sent by the insurance company will inspect the damage and approve the repairs. Once repairs are done, the insurer will pay the bill directly to the garage.

Reimbursement claim settlement

A reimbursement claim settlement is when you get your bike repaired at a garage of your choice. You pay the expenses and claim the amount from your insurance company.

To make a reimbursement claim, you must inform your insurer about the damage, get the repair estimate and get the damage assessed by the surveyor. After repairs are completed, submit all the bills and receipts along with a claim form and required documents to the insurer. Once your claim is checked and approved, the insurer will reimburse the repair amount to your account after deducting applicable charges.

Documents required for filing a bike insurance claim

Here is a list of the commonly required documents:

In case of accidental damages

• Active two-wheeler insurance policy document
• Copy of road tax receipt and registration certificate; the insurer may also request the original documents for cross-verification
• Copy of police FIR
• Driving licence of the policyholder/driver on the steering wheel at the time of the road mishap
• Repair estimates prepared by the garage where you intend to have the damage fixed
• Payment receipt or original repairs invoice
• Discharge voucher from the garage with your signature on it

In case of bike theft claims

• Duly filled claim application
• Original registration certificate
• Original bike insurance document
• If you previously had insurance with another motor insurer, provide the complete details of that policy
• Service record book
• Warranty certificate
• Police FIR's original copy
• Subrogation letter
• Copy of acknowledgment of your request to the RTO to declare your bike as 'Non-Use'
• Duly filled and signed Form No. 28/29/30
• Form 35 and NOC (from a lender) in case of a bike bought on a loan
• Claim discharge voucher having your sign across the revenue stamp
• Your insurer may request a 'Vakalatnama' or other documents as they see fit

In case of third-party claims

• Claim form with your details and signature on it
• Police FIR copy
• Policy document
• Driver's licence of the person driving the car during the incident
• Car's registration copy
• A stamp is necessary for commercial four-wheelers

Steps for filing a bike insurance claim

Filing a bike insurance claim in India involves several important steps:

The claim process for the third party

• Step 1

As soon as your bike collides with another vehicle, notify your insurer and file an FIR at the nearest police station. If you or your vehicle is hit by a bike, ask the owner of the bike for their insurance information so you can file a claim.

• Step 2

The insurer will verify the essential information before forwarding the claim to the Motor Insurance Claim Tribunal Court. The court will decide whether or not the claim is legitimate.

• Step 3

If the claim is found to be legitimate, the court will determine the amount of compensation. The insurer will then settle it accordingly.

The claim process for the own-damage

• Step 1

Notify your insurer as soon as the damage occurs. Delays in the notification will result in claim rejection. If the bike is damaged in an accident, an FIR is required.

• Step 2

Your insurer will appoint an inspecting officer. He will be in charge of determining the extent of damage and the nature of loss after which the report will be prepared and sent to the claim department.

• Step 3

The claim department will review the report, and if it is approved, you can have your bike towed to the network garage for repairs.

Common reasons for two wheeler insurance claim

There are several valid reasons for which a bike insurance claim can be made:

1. Accidental damage: It includes damage to your bike due to a collision, skid or fall.
2. Theft: If your bike is stolen and cannot be recovered, you can file a claim and get the Insured Declared Value (IDV) after investigation and approval.
3. Fire or explosion: Damage caused due to fire, explosions or self-ignition is also covered under certain comprehensive bike insurance.
4. Natural disasters: Floods, earthquakes, cyclones and other natural calamities can cause significant damage. Claims can be made for such losses.
5. Vandalism or riots: Damage caused during riots, strikes or malicious acts is also claimable.
6. Third-party liability: If your bike causes damage to another person or their property, the insurer will cover the expenses as per third-party coverage.

Ensure you report such incidents immediately and provide all necessary evidence to support your claim.

Conclusion

Filing a bike insurance claim in India might seem like a complex task, but it becomes manageable if you understand the process and follow the right steps.

While having basic insurance is mandatory, it’s worth considering the broader protection that comprehensive bike insurance offers. This type of coverage not only fulfils legal requirements but also safeguards you against accidental damage, theft, fire, natural disasters and third-party liabilities.

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

In India, bike-related mishaps are common. Several factors such as potholes, pedestrian carelessness, and rash driving by vehicle owners contribute to this. If any of these events cause damage to your bike, the garage owner's repair bills will dig into your pockets. However, you do not have to worry about the bills if you have insurance.

Bike insurance claim settlement process in India

Raising a bike insurance claim online is a cakewalk. You just need to inform your insurer about the accident immediately and submit the basic documents. The insurers give you two options—cashless and reimbursement claims. The former offers free-of-cost repairs, whereas; the latter allows you to choose your garage, pay bills and then claim reimbursement.

Cashless claim settlement

Every insurer has partnered with well-known garages in every city. After reviewing the garage's service quality and the mechanics' collective experience, they reach an agreement. When you purchase motor insurance, you are given a list of network garages where you can receive free repairs and services as per the terms of your policy. The insurer settles the bills directly with the garage under a cashless claim.

Reimbursement claim settlement

Reimbursement claims necessitate that you pay for the repairs out of your pocket. After the damage has been repaired, you must submit an invoice to your insurer. The main advantage of this settlement process is that you do not have to worry if there is no network garage nearby because you can get repairs done at any garage and get bills reimbursed directly to your account.

Documents required for filing a bike insurance claim

There are multiple scenarios in which you may need to claim bike insurance. If your bike is stolen or damaged in an accident, your insurer will provide you with financial support. However, the documentation process for various situations differs greatly. Let's learn about them:

In case of accidental damages

• Active two-wheeler insurance policy document
• Copy of road tax receipt and registration certificate; the insurer may also request the original documents for cross-verification
• Copy of police FIR
• Driving licence of the policyholder/driver on the steering wheel at the time of the road mishap
• Repair estimates prepared by the garage where you intend to have the damage fixed
• Payment receipt or original repairs invoice
• Discharge voucher from the garage with your signature on it

In case of bike theft claims

• Duly filled claim application
• Original registration certificate
• Original bike insurance document
• If you previously had insurance with another motor insurer, provide the complete details of that policy
• Service record book
• Warranty certificate
• Police FIR's original copy
• Subrogation letter
• Copy of acknowledgement of your request to the RTO to declare your bike as 'Non-Use'
• Duly filled and signed Form No. 28/29/30
• Form 35 and NOC (from a lender) in case of a bike bought on a loan
• Claim discharge voucher having your sign across the revenue stamp
• Your insurer may request a 'Vakalatnama' or other documents as they see fit

In case of third-party claims

• Claim form with your details and signature on it
• Police FIR copy
• Policy document
• Driver's licence of the person driving the car during the incident
• Car's registration copy
• A stamp is necessary for commercial four-wheelers

Steps for filing a bike insurance claim

The claim process for own damage and third-party liability differs greatly. Here's how:

The claim process for the third-party bike insurance

• Step 1

As soon as your bike collides with another vehicle, notify your insurer and file an FIR at the nearest police station. If you or your vehicle is hit by a bike, ask the owner of the bike for their insurance information so you can file a claim.

• Step 2

The insurer will verify the essential information before forwarding the claim to the Motor Insurance Claim Tribunal Court. The court will decide whether or not the claim is legitimate.

• Step 3

If the claim is found to be legitimate, the court will determine the amount of compensation. The insurer will then settle it accordingly.

The claim process for the third-party bike insurance

• Step 1

Notify your insurer as soon as the damage occurs. Delays in the notification will result in claim rejection. If the bike is damaged in an accident, an FIR is required.

• Step 2

Your insurer will appoint an inspecting officer. He will be in charge of determining the extent of damage and the nature of loss after which the report will be prepared and sent to the claim department.

• Step 3

The claim department will review the report, and if it is approved, you can have your bike towed to the network garage for repairs.

Common reasons for two wheeler insurance claim rejection

Some of the common reasons why your two wheeler insurance claim could get rejected are-

• Delayed Reporting: Not informing the insurer promptly.
• Incomplete Documentation: Missing or incorrect documents.
• Policy Lapses: Filing a claim after the policy has expired.
• Policy Violations: Using the vehicle for unauthorised purposes.
• Driving Under Influence: Accidents occurring under the influence of alcohol or drugs.

Adhering to policy terms and timely communication can prevent claim rejections.

FAQs

1. What is comprehensive bike insurance?

Comprehensive bike insurance covers third-party liabilities and own damage, including theft, accidents, and natural disasters.

2. How long does it take to settle a two-wheeler insurance claim?

The settlement time varies depending on the type of claim. A cashless claim is usually processed within a few days after the insurer's survey, while a reimbursement claim may take up to a few weeks after document submission and verification.

3. Is an FIR necessary for all two-wheeler insurance claims?

An FIR is mandatory only in cases of theft, third-party injuries, or significant property damage. For minor damage claims, an FIR is generally not required.

4. Can I claim insurance for a minor scratch or dent on my bike?

Yes, you can file a claim for minor damages, but checking your policy details is advisable.

5. What should I do if my two-wheeler insurance claim is rejected?

If your claim is rejected, first check the reason given by the insurer. You can appeal the decision with additional documents or information as needed.

6. Can I raise a claim for two-wheeler insurance online?

Yes, most insurers allow you to file two wheeler insurance online through their websites or mobile apps for quicker processing.

7. Does third-party insurance cover my bike's damages?

Third-party insurance only covers damage caused to another person, their vehicle, or property. To claim damages to your bike, you need a comprehensive bike insurance.

Conclusion

Filing a two wheeler insurance claim can be a hassle-free process if you understand the steps involved. Whether you opt for cashless claim settlement at a network garage or reimbursement claim settlement, ensuring proper documentation and timely reporting is crucial. Knowing the third-party and own damage claim processes can help you navigate different scenarios effectively. Always read your policy details carefully and follow the correct procedures to maximise your claim benefits while avoiding common reasons for claim rejection.

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 12 Dec 2025

When you buy a bike in India, having insurance is not just important but also a legal rule. Most people opt for third-party insurance because it is the basic plan required by law and is offered at a low cost. But many bike owners wonder if this cover is enough for them.

Third-party insurance only pays for the damage or injury caused to another person, not your own bike. This makes it essential to understand the limitations of third-party coverage and determine whether you require a more comprehensive policy for enhanced safety and financial protection.

This blog explains to you whether only third-party insurance is enough for the bike or if you have to take comprehensive bike insurance.

What is third-party bike insurance?

In India, it is mandatory to have third-party insurance to ride your bike on public roads. According to the law, you are not permitted to ride your two-wheeler unless it is covered by this policy. Third-party insurance protects you financially against legal liabilities arising from harm or damage caused to a third-party person or property, respectively. It also covers legal fees if the victim files a lawsuit against you.

Is third-party insurance enough for a bike?

Third-party insurance does not cover damage to the insured bike. If your bike is involved in a road accident and is severely damaged, third-party insurance will not cover the repair costs. The scope of coverage also excludes situations in which your bike is stolen or damaged as a result of a natural or manmade disaster.

Therefore, it is recommended to have either comprehensive bike insurance or to supplement third-party coverage with a standalone own-damage policy. You should also think about adding appropriate riders to broaden the scope of coverage.

Is the premium of a third-party insurance policy high?

No, it is, in fact, the most affordable policy available in the market. The price of third-party liability insurance is fixed by the Insurance Regulatory Department of India (IRDAI). It is decided based on the engine displacement size.

Let's see how much each model costs.

Coverage provided under third-party bike insurance

Third-party bike insurance covers the damage or loss you may cause to another person while riding your bike. This includes paying for injuries to someone else, damage to their vehicle or harm to their property. It does not cover your own bike’s damage, but it protects you from heavy financial and legal problems if an accident happens.

Having third-party insurance is also mandatory by law in India; therefore, every bike owner is required to have it. This way, you stay safe from fines and ensure that any accidental harm caused to others is properly taken care of by the insurance company.

Limitations of third-party bike insurance

Third-party bike insurance only covers damage or injury caused to another person, their vehicle or property in an accident. It does not pay for the repair of your own bike or cover your medical expenses if you get hurt. This means if anything happens to your bike or damage is caused by a natural disaster, this insurance will not cover the repair cost or any other expense.

How to purchase third-party insurance coverage?

Third-party insurance can be purchased both online and offline. If you purchase the policy online, the insurer will request KYC documents, vehicle information, and a few other details. The offline process is time-consuming. You will have to visit the branch or the insurance agent's office to get the coverage.

Conclusion

Third-party insurance is the minimum requirement for a bike, as it protects against legal liabilities and covers damages caused to others or their property. It won’t cover your hospital expenses or the amount spent to repair your bike. If you want more protection, choosing a comprehensive insurance plan is a better option. While third-party insurance is cheaper and mandatory by law, comprehensive insurance gives you peace of mind.

Make the right choice with expert help by filling out the form on this page, and learn about the insurance that fits your needs.

FAQs

• Should I buy the third-party insurance?

In India, you must have third-party insurance. It will cover the damage or any injury caused to the other person by your vehicle.

• Does third-party insurance cover my vehicle damage expense?

No, it won’t cover your vehicle damage or repair costs. It only covers the losses caused to others in an accident.

• Can only third-party insurance be bought?

Yes, you can have third-party insurance, but it is always better to have insurance for the protection of your bike as well.

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 efficiency offered by motorcycles make them the undisputed leaders of Indian roads. They are not only convenient and fun to use, but also are fuel-efficient. This makes them an ideal substitute for public vehicles and other modes of personal transport.

But with great convenience comes greater risk. It is essential to be cautious while using a bike. Your ride must be as safe as your bike’s efficiency. Having bike insurance will secure you and your bike from any losses occurring due any accidents. Here are some quick bike hacks to take care of your bike and ensure safety while using it:

1. Keep the right accessory set handy

One of the top bike riding hacks is to keep all the essential accessories handy. It will not only ensure safety but also improve the bike riding experience. Gearing up with the right clothing is equally essential as carrying additional accessories. For instance, when out on a long ride, riding a two-wheeler in t-shirts, shorts and sandals can be uncomfortable as well as unsafe.

You may thus want to switch to clothing options such as reinforced jackets, leathers, boots and pants. Essential accessories can include glasses for open-faced helmets, gloves, and the right helmets to go with for the highest safety reinforcements.

2. Continue bike ride in your comfort zone

Bikers, especially those who have purchased new two-wheelers, often choose to experiment with their riding styles and take unchartered routes. However, an unfamiliar riding route that is out of your comfort zone comes with a set of risks such as skids and badly-timed brakes. If not cautious, these can lead to unfortunate accidents.

Similarly, riding a bike on new routes with unknown bends and turns poses a high degree of risk to the rider as well as the two-wheeler. For example, going for off-road trips with your bike where the riding surface is uneven can result in dysfunctional shock absorbers, loosened brake systems etc. Thus, one of the important bike hacks is to use your bike in familiar territories within your comfort zones only.

3. Inspect before gearing up for your ride

Giving your bike a quick inspection before taking it for a ride can prove to be a life-saver. For instance, checking tyre pressure, mirror placements, and light focus before the ride can help you drive safely on dark roads, uneven surfaces and busy routes.

Going for a quick inspection can also reveal minute misplacements such as loosened bolts, fuel leaks, or any other mechanical hazard that can bear high risks. Staying diligent regarding timely vehicular care and maintenance can prove to be another great bike riding hack that can nip any riding risks in the bud.

4. Combine manual cognizance with mirror check

When riding two-wheelers, we often rely heavily on mirrors to track surrounding traffic. While side mirrors lend essential insight for improved safety during a ride, it is also equally prudent to manually check for nearby vehicles, especially at the road bends. In such situations, mirror views are often limited with defined easy-to-miss blind spots.

5. Be cautious of steep road curves while riding

One of the trickiest bike riding experiences is to tread through sharp turns since steep road curves can be risky if not navigated discreetly. Extra care is needed when the roads are not clear and could have loose gravel or potholes. The most prudent bike riding decision would be to read such road conditions well and drive slow while driving through road bends.

In India, all insurance companies are bound to follow the rules and regulations set by the Insurance Regulatory and Development Authority of India (IRDAI). These rules and regulations aim to keep the relationship between the insurance provider and the policyholder as smooth as possible. The IRDAI rules vary depending on the type of two-wheeler insurance policy. The rules for various types of insurance coverage are as follows:

The IRDAI rules for a third-party liability two-wheeler insurance policy

IRDAI has set certain rules and regulations regarding third-party liability two-wheeler insurance. It provides coverage under certain circumstances that are given below.

• If the insured bike causes death or injury to the third party, the insurer will compensate the third party. 

• The compensation amount will be determined by the court based on the severity of the third-party injury.

• The cost of damage to a third-party property will be covered by the insurer. The court will decide the amount of compensation based on the extent of loss.

   

Two-wheelers are one of the most convenient and cost-efficient modes of commuting. Their ability to cut through long traffic snarls and narrow lanes means that you can reach your destination as quickly as possible. Moreover, two-wheelers are the best means to avoid the hassles of using public transport for those who can't afford a car.

However, there's no denying the fact that even though two-wheelers are cool 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. The NCRB data also shows that in 2019, around 58,747 two-wheeler occupants died in road accidents against 22,637 car occupants.

Therefore, it is imperative for two-wheeler owners to follow certain road safety tips while riding their bikes or scooters. It will not only help in avoiding an accident but also provide them with a stress-free riding experience.

The roads of India are bustling with heavy traffic, and travellers are on the move from morning until late at night. In such conditions, road safety becomes essential, and following the rules of the road becomes our duty as citizens.

 The statistics for road accidents and casualties in India are alarming. Did you know that more than 5 lakh road accidents take place in India every year, out of which 1.5 lakh people never make it alive and 3 lakh are left crippled for life?  This points to the necessity of obeying traffic rules.

Traffic Rules in India 

To curb the rise of road-related vehicle mishaps, more stringent traffic rules have been imposed from September 2019 by the Indian Motor Vehicles (Amendment) Act. The motor vehicle department has also imposed hefty fines for those who break the law.  This compels the two-wheeler riders to take traffic rules and regulations more seriously, thus promoting safer roads.

New Traffic Rules and Fines

Under the Motor Vehicles Act (2019), these are the new rules that are being enforced-

1. Riding a bike without a helmet will result in a fine of Rs. 1000  and suspension of licence for 3 months.
2. Drunk driving will now be fined Rs. 10,000 for the first time.
3. Overspeeding will be charged with a fine of Rs. 1000 to Rs. 5000.
4. Driving without a licence will lead to a penalty of Rs. 5000.

Rule Book for Two-Wheeler Riders: Important Traffic Rules to Follow

These are the top 8 traffic rule violations with their updated penalties and fines that you should be aware of. It will serve as a quick guide and reminder for you every time you turn on the ignition key to ride your bike.

1. Driving Without a Valid Driving License

It is obvious that you should have your driving licence with you when riding your bike and it should not have expired. Telling the traffic cop that you forgot your driving license at home or were just about to get it renewed may not work anymore. You will have to pay up to a whopping Rs.5000 instead of the earlier Rs.500 as a fine for violating this fundamental traffic rule.  

2. Driving an Uninsured Vehicle

Say you were on your bike, jumped a traffic signal, and got unlucky. If you don’t have bike insurance or your policy has expired, you have committed an offence. According to the new traffic rules, you can be penalised with a fine of Rs.2000 (first time) or Rs.4000 (second time) and/or imprisonment for up to 3 months.

Getting your vehicle insured is compulsory as per the Motor Vehicles Act 1988. You should have at least third-party insurance to cover your liability in case your car or bike causes third-party injury, death, or damage in an accident. Timely bike insurance renewal is a must.

Buying bike insurance is more than just fulfilling your legal duty as a bike owner. Comprehensive bike insurance will safeguard your bike from damage due to accidents, theft, and other disasters.

3. Driving Under the Influence of Alcohol (Drunken Driving)

This is a traffic rule that is very well known. Yet there are many who knowingly or rather daringly violate this rule of not driving or riding a vehicle after they are a few drinks down. If you are caught riding your two-wheeler in an intoxicated state, you will be charged a steep fine of Rs.10,000 and/or imprisonment for up to 6 months. If you still don’t learn a lesson and commit the offence a second time, stricter action will be taken against you. As per the new rules you will be fined Rs.15,000 and/or imprisonment up to 2 years.

4. Racing and Speeding

If you love to ride your bike as a thrill machine, zipping on the occasional open stretches of road or weaving in and out of traffic at dangerous speeds and racing other bikers, the new penalties for such traffic rule violations should serve as a strong deterrent. Instead of a token amount of Rs.500, first-time offenders will be fined Rs.5000 and/or imprisonment up to 3 months. If you are caught for the second time, be prepared to pay a penalty of Rs.10,000 and/or imprisonment up to 1 year.

5. Overloading Your Two-Wheeler

A two-wheeler is meant to carry two people: the rider and the pillion rider. To prevent cases of three persons on a bike – not an uncommon sight in India, there is now a fine of Rs.1000 per extra passenger imposed for passenger overloading. Many times, an enormous amount of material, much more in size and weight than the bike itself, is piled and ferried on two-wheelers. Overloading your bike either with extra passengers or by physical load unbalances the vehicle, hampers maneuverability, and is highly risky for you and others. Overloading of a two-wheeler carries a fine of Rs.2000 and disqualification of your driving license for 3 months.

6. Not Wearing a Helmet

Despite knowing how crucial and life-saving wearing a helmet is, many two-wheeler riders chose to ignore this step while riding a bike. So, the law has stepped in to tighten the rules. The revised penalty is Rs.1000, and disqualification of your license for 3 months.

7. Dangerous or Rash Driving

A common example of an offence under the dangerous or rash driving traffic rule is talking on the phone while driving. If you are in the habit of taking or making calls while riding your bike, know that the fine can range from Rs.1000 – Rs.2000 and/or imprisonment from 6 months to 1 year.

8. Over-Speeding

Speed limits at certain places are set for the safety of motorists. Violating them is a traffic offence. For an LMV (light motor vehicle), you can be fined up to Rs.2000 for over-speeding.

Documents to Carry When Riding Bike

If you are taking your bike out for a ride, be sure to take these documents with you to avoid penalties-

1. Driving Licence
2. The RC or registration certificate for your bike
3. Bike insurance papers
4. The PUC or Pollution Under Control Certificate
5. ID proof

FAQs

1. Can I use digital copies of documents when riding my bike?

Yes, you can carry a digital (softcopies) copy of your documents while riding a bike and produce them when asked by the authorities for verification.

2. Is it mandatory to wear a helmet when riding a bike?

Yes, the rider is mandated by law to wear a helmet. The passenger riding along must also wear a helmet.

3. What is the fine for riding a bike without insurance?

If you do not have bike insurance, you can be fined from Rs. 2000 to Rs. 4000.

4. Can children under 12 years ride as pillion riders?

Yes, children under 12 can ride along on a bike, but they should have all the safety gear.

5. Can two-wheeler riders use earphones on the road?

No, using earphones while riding a bike is penalised under traffic laws.

Conclusion

Riding a bike is a fun experience that can be made wholesome if you follow the important traffic rules. By adhering to the rules described in this blog, you can become a responsible rider and citizen and contribute to making roads safer for everyone. Remember, obligations like insurance, a valid licence, and wearing a helmet ultimately benefit you and your loved ones.

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 - 09 Feb 2026

If you own a two-wheeler, you might wonder whether insurance is really necessary, especially for a longer period like five years. The truth is, having insurance for your bike or scooter isn’t just a legal formality; it protects you from unexpected financial burdens in case of accidents, theft or damage. However, how long should you keep it? Is a five-year two wheeler insurance coverage mandatory, or can you choose a shorter period?

Following a Supreme Court ruling in September 2018, IRDAI has made it mandatory for all new two-wheelers to be issued a 5-year insurance cover. As for your old bikes, you have the freedom to choose a single or multi-year policy.

Why is bike insurance mandatory for 5 years?

The 5-year bike insurance is made mandatory to reduce the number of uninsured bikes on the road. This will provide long-term protection to the two-wheeler without the need to renew it annually.

Impact of 5-year bike insurance on the claim settlement process

A 5-year bike insurance policy can simplify your claim process. Insurers often process claims faster for long-term policyholders, as their risk profile reflects consistent coverage. This makes settlement smoother, more reliable and stress-free for bike owners.

How does a 5-year bike insurance policy work?

A 5-year bike insurance policy provides long-term coverage, eliminating the need for yearly renewals. You pay the premium once and enjoy continuous protection for five years. With hassle-free renewals and fewer chances of missing deadlines, this policy is both convenient and cost-effective, giving bike owners peace of mind for the entire tenure.

Benefits of a 5-year bike insurance policy

Having a 5-year or long-term two-wheeler insurance cover can have many advantages.

1. You will save on premiums – When you take up a 5-year two-wheeler insurance policy, you make a one-time premium payment, and the policy stays valid for 5 years.
2. You won’t have to bother with yearly policy renewal – Since your long-term policy will be valid for a period of 5 years, you need not bother with remembering to renew your two-wheeler insurance every year.
3. You can save your No Claim Bonus – In a 5-year-long-term bike insurance policy, the NCB does not become nil and void. It just reduces to the previous percentage slab, so that you still get the benefit of No Claim Bonus in Bike Insurance
4. You get a refund if the policy is terminated – Just like you do not lose the entire no-claim bonus when making a claim, a 5-year long-term two-wheeler insurance policy also ensures that you do not lose your entire premium in case of termination.

Types of bike insurance policies available in the market

You can choose from different bike insurance policies. Comprehensive bike insurance covers damage to your bike and third-party liabilities. Third-party insurance only covers damages to others. Own-damage coverage protects your bike from accidents, theft, or natural events.

How is NCB calculated on a 5-year policy?

In the context of 5-year bike insurance, if a policyholder does not make any claims during the entire 5-year term, they become eligible for a significant NCB discount on the premium when renewing or purchasing a new policy. However, if a claim is made during the policy period, the NCB is typically reduced to the previously applicable slab rather than being entirely forfeited, allowing policyholders to retain some of the discount benefits.

Things to keep in mind before opting for a bike insurance policy

When choosing bike insurance, you should check the type of coverage; third-party liability is mandatory, while own damage coverage protects your bike. Pick a reputable insurer, read inclusions and exclusions, compare premiums, check if NCB can be transferred, and consider useful add-ons like roadside assistance or engine protection.

Role of third-party vs comprehensive insurance in a 5-year policy

The role of the third-party insurance v/s comprehensive insurance in a 5-year policy:

How to transfer your 5-year bike insurance when selling the vehicle

When you sell your bike, you can transfer your 5-year insurance to the new owner. Contact your insurer, provide the buyer’s details, and complete the transfer form. This keeps your policy active and protects both you and the buyer.

Conclusion

Two-wheeler insurance is mandatory for 5 years from the date you buy a new vehicle. This is required by law to protect you, other people, and their property in case of accidents. Even if your bike or scooter is in perfect condition, you must have valid insurance at all times. Without it, you risk fines, legal trouble, and financial loss. Getting insured ensures that you are covered for damages, theft, or third-party liability. So, make sure you renew your policy on time to stay financially protected, or you can take the help of an expert by filling out the form on this page and get your suitable plan details.

FAQs

1. Is two-wheeler insurance mandatory for five years?

You must have at least third-party insurance for your two-wheeler every year, and it is mandatory for five years from the date of registration.

2. Can I ride my two-wheeler without insurance in the first five years?

You cannot ride without insurance, because you are legally required to have coverage during the first five years.

3. What happens if I don’t have two-wheeler insurance within five years?

If you don’t have insurance, you may have to pay a fine and could face legal trouble if you ride your bike.

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.

Driving a motorcycle is an adventurous experience. Imagine yourself wearing a stunning pair of sunglasses and driving on a countryside road, winds of which sway your hair, and a stupid dent on your bike. Brakes! You see how a simple dent can cause the entire experience to lose its sheen and wonder. That is why we recommend you get your dent fixed. A dent, which can be a result of an accident or due to careless management of your bike, can be quite expensive to get repaired and freshly painted. However, a dent, big or small, can be easily removed at home using some handy tricks. Of course, if you are careful enough, you would already have bought a two-wheeler insurance policy that would cover your expenses pertaining to the repair of the dent.

Causes of dent in bike

Several factors can cause dents in a bike. These include:

1. Accidental falls or collisions
   One of the most common causes of dents is an accidental fall or collision. Whether you drop your bike while parking, have a low-speed crash, or bump into an obstacle, it can result in dents on the fuel tank, fenders, or side panels.
2. Poor parking conditions
   Parking your bike in tight spaces, near other vehicles, or places with heavy foot traffic increases the likelihood of a dent. People accidentally bumping into your bike and making it fall can lead to visible dents.
3. Hitting hard surfaces
   Driving your motorcycle through rough terrain, potholes, or curbs can cause minor dents or scratches, damaging the bodywork. The impact from hard surfaces can also directly affect vulnerable parts of your bike, such as the tank, side panels, or exhaust.
4. Hailstorms or debris
   Falling debris, like rocks, sticks, or even hail, can cause dents, especially if they hit the bike with significant force. Hailstorms are notorious for causing damage to the paint job, along with dents that can be difficult to repair.
5. Regular wear and tear
   Small dings can appear on a bike over time from everyday use. When you take your two-wheeler in and out of tight spaces or repeatedly handle it without enough care, even minor contact with objects can gradually lead to dents.

How to remove minor dents on a bike?

Some double-tanked motorcycles pose a challenge if dented. However, if your motorbike has a single tank, then first of all, you need to remove the tank top. From thence, follow these easy guidelines to fix your dent:

• The primary solution to repairing the dent is hidden in the sand. Yes! Sand the bare metal.
• Then you need to apply Bondo on the dented portion. Mix the Bondo as per the guidelines mentioned on the package and apply it on the dent using a plastic spreader. You should cover the entire dent and leave some additional substance around the dent so as to use later while touching up.
• After the paste has dried up, depending on the thickness of the paste, use grit within the range of 200 microns to start sanding the dent.
• Keep on increasing the size of the grit to around a range of 1000-1500 microns so that the Bondo merges with the color of the paint, showing no signs of edges or external paint.
• A deeper dent can be removed by repeating the process several times. Using a thick layer of Bondo followed by gritting the dent with a range of higher grit will do the trick.

A dent can also be fixed by simple tricks like heating or cooling the dent and then pushing the lower part of the impact crater outward. A plunger can be used, just like a bathroom suction that can suck the dent out. But before you use suction, make sure you clean the dent with a wet cloth so as to give the suction a firm grip over the area. You can always visit a nearby mechanic who will get your dent fixed without compromising the paint cover.

Bike dent repair cost

The cost of repairing dents on your bike depends on the severity of the damage, the method used for repair, and whether you do it yourself or hire a professional. Let’s break down the potential costs:

1. DIY repairs
   DIY repair using the plunger, hairdryer, or dent removal kits is the most affordable option. These tools are generally inexpensive, and the repair cost is negligible if you already have them at home. Dent repair kits usually range from ₹500 to ₹1,500, depending on the brand and tools included.
2. Professional repair services
   If you hire a professional, the repair cost can vary greatly based on the location, type of bike, and extent of the damage. On average, a small dent repair job may cost between ₹2,000 to ₹5,000. However, more complex ones, including repainting or replacing damaged parts, can cost almost ₹10,000 or more, especially if you're restoring large panels or parts of the bike.

Comprehensive bike insurance covers dents and scratches. Thus, you may be able to reduce the repair costs significantly by filing a claim, although you may still need to pay a deductible.

Prevention of dents and scratches

Here are some tips to help you protect your bike from dents and scratches:

1. Park carefully
   Always park your bike in a safe location away from potential obstacles. When parking in crowded places, look for designated bike parking spots, or park in a garage to avoid accidental contact with other vehicles or pedestrians.
2. Use bike covers
   A good-quality bike cover can protect your bike from debris, dirt, and even hailstorms, which can cause dents and scratches. It can also safeguard your bike against scratches when parking in tight or busy areas.
3. Regular cleaning and maintenance
   Keep your bike clean and free of dirt, which can cause scratches. Regular maintenance, such as checking tyre pressure and ensuring the bike is lubricated properly, can help prevent accidents that might lead to dents.
4. Install protective accessories
   Consider installing protective accessories like crash guards, frame sliders, or protective films to shield your bike from dents and scratches. These can absorb the impact from falls or minor accidents, reducing the chance of dent damage.

FAQs

Q1: Can a deep dent in my bike be repaired?

Yes, a deep dent can be repaired, but it usually requires professional help. Repair may involve replacing the damaged parts, using body filler, or repainting the area. It’s always best to consult a professional mechanic or auto body shop for deep dent repairs.

Q2: How long does it take to repair a minor dent?

Minor dent repairs can take anywhere from 30 minutes to a few hours, depending on the technique used and the dent size. DIY methods, such as using a plunger or dent removal kit, can be done in less time, while professional repairs may take longer.

Q3: Will insurance cover the repair of dents in my bike?

Comprehensive two-wheeler insurance policies may cover dent repairs, especially if the damage is caused by an accident or natural disaster.

Conclusion

Dents are a common and frustrating issue that most bike owners will encounter at some point. While repairing them might seem complicated, many minor dents can be cleared at home with the right tools and techniques. Bike dent repair costs can be covered by a comprehensive bike insurance policy.  It is important to note that this is not possible with third-party 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 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.