Updated on 14 Nov 2025

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

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

What are the essential parts of a bike?

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

1. Engine

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

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

2. Brakes

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

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

3. Tyres

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

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

4. Clutch and gear

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

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

5. Accelerator

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

6. Exhaust pipe

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

7. Fuel tank

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

8. Headlamp and tail lamp

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

How essential parts affect bike performance

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

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

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

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

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

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

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

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

Tips to maintain essential bike parts

Some common maintenance tips include:

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

Role of bike maintenance in two-wheeler insurance claims

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

Conclusion

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

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

FAQs

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

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

• How often should bike tyres be checked?

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

• What happens if the bike chain is not maintained?

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

• Why is suspension important?

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

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

Updated on 15 Nov 2025

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

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

What is third-party two-wheeler insurance?

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

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

How does third-party bike insurance work?

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

Features of a third-party two-wheeler insurance

Some key features include:

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

Reasons to buy third-party bike insurance

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

Third-party insurance: Coverage and exclusions

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

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

These policies usually exclude the following:

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

Steps to apply for third-party bike insurance

You can apply for a policy through a straightforward process:

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

Process to renew third-party bike insurance online

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

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

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

How to claim third-party bike insurance?

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

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

Documents required for a third-party bike insurance claim

You may need the following:

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

Conclusion

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

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

FAQs

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

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

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

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

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

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

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

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

Important motorcycle safety tips for pillion riders

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

1. Ask the pillion to wear full protective gear

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

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

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

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

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

4. Ask your pillion to hold on tightly

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

5. Use the brakes and throttle softly

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

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

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

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

7. Do not communicate much while you are riding

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

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

Conclusion

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

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

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

What is the Road Tax in Karnataka for Bike?

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

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

Updated on 13 Dec 2025

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

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

Importance of proper bike documentation

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

What are the necessary bike documents to have?

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

How to keep bike documents with you digitally?

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

• Keeping your documents in the DigiLocker app

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

• Keeping your documents in the mParivahan app

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

Why is it mandatory to have bike insurance?

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

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

Conclusion

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

FAQ

• Are digital documents accepted during traffic checks?

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

• How can I upload my bike documents digitally?

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

• Is it safe to store bike documents digitally?

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

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

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

List of Dirt Bikes in India

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

1. Yamaha WR 155R (Coming Soon):

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

2. Suzuki RM Z250 (Coming Soon):

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

3. Kawasaki KLX 110:

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

4. Kawasaki KLX 140:

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

5. Kawasaki KX 250:

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

Updated on - 30 Dec 2025

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

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

Types of suspension systems in bikes

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

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

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

Key specs to look for

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

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

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

Price ranges and value for money comparison

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

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

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

Brand reputation and after-sales support

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

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

Safety features and riding conditions in India

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

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

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

Maintenance tips for suspension bikes

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

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

Insurance considerations for suspension bikes

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

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

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

Conclusion

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

FAQs

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

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

2. How often should riders change the fork oil?

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

3. Will changing the suspension void the bike insurance?

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

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

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

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

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

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

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

Importance of maintaining tyre pressure in bike

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

1. Proper bike tire pressure boosts control.

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

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

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

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

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

Tips to maintain Bike’s Air Pressure

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

Steps to maintain pressure of your tyre

1. Check the PSI of the tyre

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

2. Performing a Tyre pressure check

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

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

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

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

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

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

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

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

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

What is a bike insurance claim?

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

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

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

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

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

How to file a bike insurance claim?

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

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

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

Steps to file a third-party insurance claim

Below are the steps to file a bike insurance claim:

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

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

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

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

Steps to file a claim under the OD cover

Step 1 – Inform the insurance provider immediately.

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

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

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

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

Steps to file a claim in case of theft

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

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

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

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

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

Documents required for bike insurance claim

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

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

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

Common reasons for two-wheeler insurance claim rejection

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

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

Conclusion

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

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

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

Related Articles

FIR Requirement for A Bike Insurance Claim

How to Claim Bike Theft Insurance

How to Claim Third-Party Bike Insurance

Can You Claim Insurance for Bike Scratches?

How to Check Your ICICI Lombard Bike Insurance Claim Status?

Picture yourself cruising down a winding road, the wind in your hair, and the sun on your face. It is a perfect day for a ride on your beloved bike. However, what if something unexpected happens? An accident, theft, or any other unfortunate incident could turn your joyride into a nightmare. That’s why having valid bike insurance is crucial. Not only is it mandatory, but it also provides financial protection in case of any mishap. If you are wondering whether or not your two-wheeler's insurance policy is valid, this blog will assist.

How to check bike insurance expiry date online?

There are several ways to check bike insurance validity and expiry online, including:

Insurance Information Bureau (IIB)

If you wish to check your insurance status via IIB, go over the following steps:

• Visit the Insurance Information Bureau website
• Press the "quick links" button available on the homepage
• Next, press the "V-Seva" option, and you will receive the form to fill in
• Fill out the requested details
• Type the captcha code
• Press the "Submit" tab

The details displayed will include the insurance policy number, the policy start and end date, and the name of your insurance company. However, this website does not have information for policies purchased after 1st April 2020.

VAHAN Portal

Here are the steps to check insurance validity on the Vahan portal :

• Visit the official website of the Ministry of Road Transport and Highways (https://parivahan.gov.in/)
• Move to the "Online Services" section 
• Click the "Know Your Vehicle Details" option
• Enter the vehicle registration number in the required format and click "Search Vehicle"
• The system will display the vehicle details on the screen. Look for the insurance details section and check the insurance policy number and its expiry dates

Insurance Provider Website

To check insurance validity on an insurance provider’s website, follow these steps:

• Open your web browser and go to your insurance provider's website
• Look for the "Login" or "Sign In" button on the website, input your credentials, and click Enter
• Once logged in, look for a tab or link labelled "Policy Details" or "Insurance Information"
• Click on that tab or link to view your policy validity and other relevant information

The above steps may vary with various insurers.

Additional methods to check bike insurance expiry date online

Besides the primary online methods, there are other ways to check your policy expiry date:

• SMS or Email reminders: Almost all insurance providers send SMS or email reminders to policyholders before the policy expiry date to ensure timely renewal.
• Checking the insurance provider's website: Insurance providers these days have an online portal where policyholders can log in and view their policy details, including validity and expiry dates.
• Using an insurance aggregator website: Insurance aggregator websites allow you to compare and purchase insurance policies from multiple providers. And many of them also offer features to check the validity and expiry of existing policies.

How to check bike insurance validity offline?

In case you do not have access to online platforms, you can check your bike insurance expiry date using offline methods.

• Checking the policy document: The insurance policy document contains information about the validity period of the insurance plan.
• Contacting the insurance provider: You can contact the insurance provider's customer support to confirm your two-wheeler's insurance validity and expiry date.
• Visit the Regional Transport Office (RTO): You can visit your local RTO and request insurance details by providing your bike’s registration number.

How to renew a bike insurance policy online after it has expired?

If your two-wheeler insurance has expired, you need to renew it immediately to avoid legal and financial risks. Most insurers allow online renewal of expired policies with minimal documentation.

Steps to renew expired bike insurance policy online:

1. Visit the Insurance Provider’s Website

• Go to your insurer’s official website or mobile app.
• Click on "Renew Bike Insurance".

2. Enter your bike details

• Provide your registration number, previous policy details (if available), and personal details.

3. Choose a suitable policy

• Select the type of policy (third-party or comprehensive).
• Compare premium quotes and coverage options.

4. Complete vehicle inspection (If required)

• If your policy has been expired for a long time, the insurer may require a bike inspection before renewal.
• Some insurers offer video inspection or request images of the bike.

5. Pay the premium

• Make the payment online via net banking, debit/credit card, UPI, or wallets.

6. Receive the renewed policy

• Once the payment is successful, you will receive a soft copy of the renewed policy via email.
• The updated details will be available on VAHAN and IIB portals within a few days.

Conclusion

Keeping track of your bike insurance expiry date is essential to ensure continuous coverage and compliance with the law. Thanks to online platforms like the IIB portal, VAHAN, and insurer websites, checking policy status has become easier than ever. If you do not have online access, you can verify your insurance details offline through the RTO or your insurance agent.

If your policy has expired, renewing it promptly can help you avoid fines, legal issues, and financial risks. Set reminders for two-wheeler insurance renewal and avoid policy lapses in the future.

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 - 23 Apr 2026

Download your two-wheeler insurance copy online with ease and enjoy digital convenience.

It is not uncommon to misplace the hard copy of your motorcycle insurance. It may also get damaged due to regular use or storage in your bike. In such cases, there is no need to worry, as you can easily access a digital version. If you are wondering how to download a bike insurance copy, read on.

Why You May Need a Bike Insurance Policy Copy

Having a copy of your bike insurance policy is important for several reasons, such as:

• Legal Requirement: Carrying proof of insurance is mandatory under the Motor Vehicles Act.
• Ease of Access: A digital copy allows you to access your policy anytime, especially during emergencies.
• Quick Claim Processing: Having your policy details ready can speed up claim procedures.
• Paperless Convenience: Reduces reliance on physical documents and supports eco-friendly practices.
• Backup for Safety: If the original is lost, a digital copy ensures you still have proof of insurance.

How to Download Bike Insurance Copy

Whether you purchased your policy online or offline, insurers usually provide easy access to digital copies. These are some common methods to download a bike insurance copy:

1. Visit your two-wheeler insurer’s official website.
2. Go to the bike insurance section and select your policy type.
3. Enter your policy details. If you do not remember the policy number, you can use your vehicle registration number.
4. Verify the details displayed on the screen.
5. Download the policy document and save or print it for future use.

This process answers common queries like how to download an insurance copy of a bike and how to download my bike insurance copy.

Do You Need a Hard Copy of Your Bike Insurance Policy?

Both digital and physical copies of two-wheeler insurance are valid under the traffic rules. However, in certain situations, such as inspections in remote areas where internet facility is low, you may still need a printed copy. Keeping one handy can be useful.

What if You Lost Your Bike Insurance Papers?

If you cannot find your insurance document, here is what you can do:

• Check common places like your home, office, or vehicle.
• Avoid using your bike until you have proof of insurance available.
• Contact your insurer and request a duplicate copy if needed.

You can also look up how to get a bike insurance copy online or how to download a two-wheeler insurance copy through your insurer’s portal.

Conclusion

Downloading and managing your two-wheeler insurance copy is simple and convenient. With digital access, you can retrieve your policy anytime, ensuring compliance and quicker assistance when needed.

Choosing the right coverage, such as comprehensive bike insurance, along with easy digital access, helps you stay prepared for unforeseen events on the road.

FAQs

1. Can I view my policy online instead of downloading it?

Yes, you can. Most insurers let you open and check your policy on their website or app whenever you need it, so downloading it is optional.

2. How to check bike insurance details in Vahan?

Just go to the VAHAN (Parivahan) website and enter your bike’s registration number. You will be able to see basic insurance details linked to your vehicle.

3. How to download an insurance copy from Parivahan?

If your documents are linked, you can access them through the Parivahan portal or DigiLocker. From there, you can simply open the policy and download a copy when needed.

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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Even though bikes below 100 cc are suitable for daily commuting purpose, a powerful bike has its own pleasure. Bikes above 100 cc balance both power and fuel efficiency in an impressive manner. Here are a few amazing bike models in the range of 100 to 180 cc that you must look out for if you are interested in buying a powerful bike.

Top 180cc bike models in India in 2025

Whether you are a daily commuter or an adventure enthusiast, there is a model to perfectly suit your needs. Below is a curated list of the top 180cc bikes available in India this year.

1. Bajaj Avenger Street 160 | Starting ₹1.19 Lakh

It is a cruiser motorcycle built for long, comfortable rides. Its relaxed riding posture and stylish design make it a popular choice among city riders and touring enthusiasts. The bike is powered by a 160.4cc engine that delivers smooth performance with a balanced fuel efficiency. The 13-litre fuel tank ensures fewer refuelling stops on long journeys.

Other Features:

• Mileage:2 kmpl
• Maximum Power: 15 bhp @ 8500 rpm
• Top Speed: 105 kmph
• Gears: 5
• Antilock Braking System (ABS): Yes
• Fuel Capacity: 13 L

Viewpoint: A great option for relaxed city cruising and highway rides.

2. Kawasaki W175 | Starting ₹1.22 Lakh

It is a neo-retro motorcycle designed for riders who appreciate classic styling with modern technology. It comes with a 177cc engine that ensures smooth power delivery and decent fuel economy. Its lightweight design makes it agile, while its retro aesthetics add to its charm.

Other Features:

• Mileage: 45 kmpl
• Maximum Power: 13 bhp @ 7500 rpm
• Top Speed: 190 kmph
• Gears: 5
• ABS: No
• Fuel Capacity: 12 L

Viewpoint: A retro-styled commuter bike with simple mechanics and reliable performance.

3. Bajaj Pulsar N160 | Starting ₹1.23 Lakh

It is a muscular streetfighter that combines power with agility. It features a 160.3cc engine with oil cooling, ensuring optimal performance. With sharp aesthetics, dual-channel ABS, and an upgraded suspension, this bike is perfect for city riders looking for a stylish and practical ride.

Other Features:

• Mileage: 45 kmpl
• Maximum Power: 16 bhp @ 8750 rpm
• Top Speed: 120 kmph
• Gears: 5
• ABS: Yes (Dual-Channel)
• Fuel Capacity: 14 L

Viewpoint: A well-balanced bike for daily commuters and occasional long rides.

4. TVS Apache RTR 180 | Starting ₹1.32 Lakh

Nothing describes this 180cc beast better than its tagline 'Scarily fast'. The aerodynamically designed tank and engine, and LED tail light flaunt aggression and style. The RTR engine facilitates quick ignition. Throttling up on highways though, may lead to slight engine vibration and leave you wishing for a sixth gear. You can get TVS bike insurance from ICICI Lombard.

Other Features:
• Mileage - 40-50 Kmpl
• Maximum Power - 17.3 bhp @ 8500 rpm
• Top speed - 124 Kmph
• Gears - 5
• Antilock Braking System - Yes (which can be turned off for those who love stunts!)
• Fuel capacity - 16 L

Viewpoint: On wet roads, it's a confidence builder!

5. Hero Xtreme 160R 4V | Starting ₹1.39 Lakh

It is a feature-packed street bike that offers a great blend of performance and efficiency. With a 163cc air-cooled engine, it is one of the most fuel-efficient bikes in its segment. The lightweight chassis and aggressive design make it ideal for city commuting.

Other Features:

• Mileage: 55 kmpl
• Maximum Power:9 bhp @ 8500 rpm
• Top Speed: 115 kmph
• Gears: 5
• ABS: Yes
• Fuel Capacity: 12 L

Viewpoint: A stylish and fuel-efficient choice for city riders.

6. Honda Hornet 2.0 | Starting ₹1.39 Lakh

It is a sharp, street-focused motorcycle with an aggressive design. It features an 184.4cc air-cooled engine that delivers smooth power with refined performance. The USD front forks and mono-shock suspension ensure a stable ride on different terrains.

Other Features:

• Mileage: 42 kmpl
• Maximum Power:2 bhp @ 8500 rpm
• Top Speed: 130 kmph
• Gears: 5
• ABS: Yes
• Fuel Capacity: 12 L

Viewpoint: Ideal for city riders who want a stylish yet practical bike.

7. Honda CB200X | Starting ₹1.46 Lakh

It is an adventure tourer that has an engine similar to the Hornet 2.0. Its upright riding posture and semi-fairing design make it ideal for both city and long-distance rides. The bike features a strong suspension setup, ensuring excellent ride comfort.

Other Features:

• Mileage: 43 kmpl
• Maximum Power:2 bhp @ 8500 rpm
• Top Speed: 130 kmph
• Gears: 5
• ABS: Yes
• Fuel Capacity: 12 L

Viewpoint: A great beginner adventure bike for city and touring.

8. Bajaj Pulsar NS160 | Starting ₹1.47 Lakh

It is a premium commuter bike with a strong road presence. It features a 160.3cc oil-cooled engine that ensures punchy performance while maintaining efficiency. The perimetre frame adds to the bike’s stability, making it a fun ride.

Other Features:

• Mileage: 40 kmpl
• Maximum Power:2 bhp @ 9000 rpm
• Top Speed: 120 kmph
• Gears: 5
• ABS: Yes
• Fuel Capacity: 12 L
  
  

Viewpoint: A stylish and performance-packed commuter motorcycle.

9. Suzuki Gixxer SF 150 | Starting ₹1.74 Lakh

An iconic sports bike amongst the youth, this stylish super machine is worth a ride. Its fierce appearance and bold designs make it one of the most visually appealing and powerful bikes in the Indian market. With a 155-cc engine, it is designed for optimum acceleration and supreme performance.

Other Features:
• Mileage - 40-50 Kmpl
• Maximum Power - 14.6 bhp @ 8000 rpm
• Top speed - 115Kmph
• Gears - 5
• Antilock Braking System - No
• Fuel capacity - 15 L

Viewpoint: Iconic design and powerful engine, a great combination for the ultimate performance!

10. Yamaha R15 V4 | Starting ₹1.83 Lakh

It is a track-inspired machine with aggressive styling and a high-revving 155cc liquid-cooled engine. It features VVA technology, ensuring a thrilling riding experience.

Other Features:

• Mileage: 45 kmpl
• Maximum Power:4 bhp @ 10000 rpm
• Top Speed: 140 kmph
• Gears: 6
• ABS: Yes
• Fuel Capacity: 11 L
  
  

Viewpoint: A premium choice for riders who love speed and sharp handling.

Conclusion

Choosing the right 180cc bike in 2025 depends on individual preferences, whether it's for daily commuting, long-distance touring, or spirited weekend rides. It's essential to consider factors such as engine performance, fuel efficiency, and overall design to find the bike that best suits your riding style.

Also don't forget to secure your future and finances with a suitable two-wheeler insurance policy. Comprehensive two-wheeler insurance not only covers third-party liabilities but also safeguards against damages to your vehicle from accidents, theft, natural disasters, and more.

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.

These tips will ensure that you have the two wheeler that perfectly fits your requirement

After all these years, you’ve finally saved up enough to purchase a motorcycle to call your own. You are all excited about the prospect of having your own set of wheels and can’t wait to go to the showroom and check out the different bikes for sale.

You reach the showroom and the salesperson comes and asks for your requirement. After you state what you want, he takes you in and shows you some two wheelers and then some more. There are so many choices that you are feeling overwhelmed. All the excitement and eagerness, coupled with the salesman’s persuasive selling skills can lead to you choosing a bike that is not right for you.

Therefore, it is better to take your time, and go through the selection with the knowledge of knowing what you want. If you are lacking on the knowledge part, we have compiled a list of things that you should definitely check before settling on a purchase.

Check Out the Ergonomics

If a bike is not comfortable, then it is definitely not the right bike for you. You should try the bike at the showroom by taking it out for a test ride. Are your hands reaching the handlebars without stretching them? Are you comfortably seated or leaning forward? Are your feet in a relaxed position?

These are the things that you need to be sure about. If the ergonomics of the two wheeler is good, then it will be easier for you during your long weekend rides or lengthy road trips with friends.

Get to Know the Seat Height

The saddle height is an important consideration that, if not considered, can greatly reduce the joy associated with riding. Different types of motorcycles come with different types of seats, which affect the ability of the rider’s feet to reach the ground while on the two wheeler.

Riders having a short height and women riders prefer a low seat height, allowing them to swing a leg over the bike easily. Heavier bikes usually demand flat feet during stops to maintain balance, whereas lighter bikes can be balanced by just the tip of your toes.

With or Without Fairing?

Purchasing a bike with or without a fairing is a decision that totally depends on the rider and what his plans are for the bike. Bikes without a fairing look good, but the lack of a windscreen means that they prove to be exhausting on long rides. This is because the oncoming wind exerts pressure on your body and tires your arms out.

So, if long rides is what you plan on doing, then a faired two wheeler is what you should go for. It can make your rides pleasant and also stop the elements from cutting your ride short.

Do You Travel Light?

Riding a bike is all about the sense of freedom and getting lost from the daily hustle. Though, the real joy of riding lies in bikes that are lithe and can take to corners naturally, they can prove to be a problem for long rides. Having a motorcycle that does not have provisions for keeping luggage can put a spanner in your weekend riding plans.

Getting a two wheeler that comes with saddlebags, or is at the very least, capable of getting fitted with one would be the smartest choice.

As individuals, we are all responsible for not causing harm to others or their property. But have you ever considered the potential risks and consequences of your actions? Accidents can happen, even when we are being careful on the roads. And in those situations, having a safety net becomes crucial. That is where third-party liability insurance comes in.

Third-party coverage in bike insurance is a fundamental policy that provides coverage for damages caused to anyone other than the rider or pillion rider of the insured bike. This coverage extends to property loss, bodily injury or even death.

Usually, the premium for third-party bike insurance gets determined by the Insurance Regulatory and Development Authority of India (IRDAI), which considers the engine displacement size as the basis for calculating the insurance cost. This means that if you and your friend own 150cc bikes, the premium for both vehicles will be the same.

However, it is worth noting that third-party liability insurance has several drawbacks. It does not, for example, cover damage to an insured vehicle. Furthermore, if the rider or pillion rider on the insured bike sustained severe injuries, the medical bills should be borne by the victim or covered by their health insurance. As a result, the policyholder may incur financial losses and medical expenses. So, should we forego purchasing third-party insurance for our bikes? Read on to know the answer.

Is third-party insurance mandatory for bikes?

According to the Motor Vehicles Act of 1988, all vehicle owners in India must have at least third-party liability insurance coverage. The government took this step to protect the general public from the financial burden of accidents caused by uninsured bikers. Now that you are aware of its significance, you should also familiarise yourself with situations when third-party coverage stands null and void.

• If you ride your bike in areas considered high-risk by your insurer and not covered by standard insurance policies, your policy is null and void.
• You won't be able to obtain policy benefits if you make a fraudulent claim, such as providing false information about the accident or the extent of damages or injuries or claiming for damages or injuries that did not occur.
• If you allow someone not authorised by your insurance policy to ride your bike, your third-party insurance will become void.
• If your insurer finds out that you were on your bike riding under the influence of alcohol or drugs at the time of an accident, your third-party insurance will become void.

What are the benefits of third party insurance for bikes?

While basic in nature, third-party bike insurance offers several key advantages:

• Legal compliance: Helps you avoid penalties and legal hassles by fulfilling mandatory insurance requirements.
• Financial protection: Covers the cost of damage caused to a third party-person or their property.
• Peace of mind: Accidents happen unexpectedly. This policy ensures that you’re not financially burdened due to someone else's damage or injury.
• Affordable premiums: Since it covers only third-party liabilities, the premium is much lower compared to a comprehensive two wheeler insurance policy.

What does third party insurance cover?

Third-party insurance for bikes covers the following:

• Bodily injuries or death of a third party: If your bike causes an accident that results in injury or death to another person, your insurer will cover the compensation payable.
• Property damage: If you accidentally damage someone else’s property, like a parked car, boundary wall or shop, the policy will cover the costs up to a certain limit.
• Legal expenses: Any legal costs arising from third-party claims are also covered under this policy.

What does third party insurance not cover?

While it is essential for legal compliance, third-party insurance has notable limitations. Here's what it does not cover:

• Own damage: Damages to your own bike, whether due to an accident, theft or natural calamities, are not covered.
• Personal accident cover: Unless purchased as an add-on, it does not include coverage for injuries or death of the bike owner/rider.
• Mechanical or electrical breakdowns: Issues like engine failure or wear and tear are not included.
• Driving without a licence: If an accident occurs while you’re riding without a valid licence or under the influence of alcohol, the claim will be denied.

For broader coverage that includes both third-party and own damage protection, opting for a comprehensive two wheeler insurance policy is a better choice.

Conclusion

Third-party two wheeler insurance is the most basic but essential form of protection every bike owner must have. It ensures legal compliance and offers financial protection against third-party liabilities, making your ride safer not just for you, but for everyone on the road. However, if you're looking for more robust protection, including coverage for theft, accidents and natural disasters, a comprehensive two wheeler insurance policy offers far greater peace of mind.

Evaluate your needs, riding habits and budget to choose the plan that offers the right balance of coverage and cost. And most importantly, never hit the road without valid insurance, because safety always comes first.

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.

Buying and managing bike insurance online is made easy with a reliable information technology infrastructure. The process offers several advantages, including 24/7 online support, effortless payment options, an instant quote, customisable plans and an easy renewal procedure.

With the option to purchase bike insurance online, you can enjoy a hassle-free experience. This includes immediate policy issuance and easy access to your plan. Look for insurance plans allowing you to personalise your policy according to your needs, offer quick solutions for queries and round-the-clock support. Read the inclusions and exclusions of the policy before you decide to purchase a plan so that you know the exact scope of coverage.

Benefits of comprehensive bike insurance policy

There are many benefits of having a two wheeler insurance policy, as listed below:

• Comprehensive 2-wheeler Insurance Policy offers maximum financial protection for your bike and covers third-party liabilities.
• It provides a No Claim Bonus benefit and protects against theft.
• Additionally, this type of policy in India offers compensation for natural calamities
• Coverage against legal liabilities incurred towards any third party
• Coverage for personal injuries to the rider
• Protection against man-made damages
• Repair expenses
• Death benefit
• Financial assistance for the complete or partial physical disability of the rider
• As long as you hold a valid driving license, you can receive compensation for medical assistance.

With increasing traffic and a rise in the number of accidents, comprehensive insurance can give you peace of mind.

Features of comprehensive bike insurance

Given below is a list of key features of a two wheeler insurance policy:

• Comprehensive two-wheeler insurance allows limitless claims in a policy year or during the tenure of the plan.
• Most importantly, it also covers bodily injuries and provides compensation in case of death of the policyholder and the pillion rider.
• When opting for comprehensive bike insurance, the insurer sets an amount as a fixed sum assured and may offer discounts.
• The policy also covers costs incurred due to natural or man-made damages, with optional features like zero depreciation cover to save on consumables.
• You can tailor your policy with specific add-ons such as zero depreciation, engine protection and emergency roadside assistance.
• Additionally, comprehensive two-wheeler insurance policies cover third-party liability for property damage, bodily injuries and death, but compensation is limited to a specific amount as mentioned in the policy.
• Such policies include personal accident coverage to protect the policyholder against injuries resulting in temporary or permanent disability or death.

Who should buy a comprehensive bike insurance?

While every bike owner needs at least a third-party insurance as per Indian law, comprehensive two wheeler insurance is ideal for:

• Owners of new or high-end bikes, where repair costs are high.
• Riders in accident-prone or theft-prone areas.
• Frequent commuters or long-distance riders face an increased risk.
• Anyone wanting peace of mind, knowing their bike is covered against a wide range of uncertainties.

Essentially, if your bike is more than just a basic utility, if it is a prized possession or daily companion, a comprehensive plan is a smart investment.

Factors affecting comprehensive bike insurance

Several variables influence the premium and coverage scope of your two wheeler insurance policy:

• Age and make of the bike: Older bikes may have lower premiums but limited IDV (Insured Declared Value).
• Geographical location: Premiums may be higher in accident or theft-prone areas.
• Engine capacity: Higher engine displacement usually means a higher premium.
• Add-ons selected: Each add-on increases coverage but may also raise the premium.
• Claim history: If you have a history of frequent claims, it may impact your renewal benefits and cost.
• Deductibles: Choosing a higher voluntary deductible can reduce premiums but increase out-of-pocket expenses at the time of claim.

Conclusion

Purchasing two wheeler insurance online has never been more seamless or efficient. With a strong digital infrastructure, the entire process, from comparing quotes to renewing your policy, can be done in just a few clicks. Opting for a comprehensive two-wheeler insurance policy increases your protection by covering not just third-party liabilities but also damages to your own vehicle, theft, natural calamities and personal injuries. With the added ease of plans that can be customised according to your needs, round-the-clock support and quick claim settlements, comprehensive coverage ensures your ride remains safeguarded at all times.

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 - 30 Dec 2025

Zero depreciation in bike insurance is one of the most popular add-ons riders look for today. It’s designed to offer stronger financial protection and a smoother claim experience than a standard policy. Before choosing this cover, it is essential to understand what it is, when it is beneficial and how it adds value to your bike insurance policy. This guide walks you through everything you need to know, so that you can make a confident and informed decision.

What is a zero depreciation add-on?

The zero depreciation cover kicks in to help you avoid depreciation and get the most out of your two-wheeler insurance. It is a type of add-on or rider to a comprehensive two-wheeler insurance plan that provides complete coverage, accounting for no depreciation in the value of the insured bike or its parts. In the event of an accident or damage to the bike, the insurance company will cover the entire cost of repairing or replacing the damaged parts without any depreciation deduction.

Difference between comprehensive policy and zero depreciation bike insurance

While both the comprehensive plan and the zero depreciation cover aim to provide extensive coverage, they differ in terms of claim settlements and cost implications. Here’s a table with the differences outlined:

When can you avail yourself of zero depreciation bike insurance?

Opting for a zero depreciation add-on is particularly beneficial for:

• New bike owners: If you've purchased a new bike, especially a high-end model, the zero depreciation cover ensures that the full value of parts is covered without depreciation deductions.
• Expensive or premium bikes: Owners of premium bikes with costly parts can benefit from this add-on, as it covers high replacement costs without considering depreciation.
• Riders in accident-prone areas: If you frequently ride in areas with high traffic density or poor road conditions, the likelihood of accidents increases. The zero depreciation cover can be advantageous in such scenarios.
• Inexperienced riders: New or less experienced riders with a higher risk of minor accidents can find this add-on useful to minimise repair costs.

Factors affecting zero depreciation bike insurance premium

Your zero depreciation bike insurance premium depends on several important factors. Here’s what insurers usually look at:

• Age of the bike: The newer the bike, the higher the zero-depreciation premium. As a bike ages, its value decreases, so insurers charge a lower premium.
• Make and model: Premium bikes cost more to repair, which increases the zero-depreciation premium.
• Engine capacity: Bikes with higher cubic capacity (CC) tend to have higher premiums due to the expense of parts and increased repair costs.
• Location: Riders in busy cities pay more because accidents, thefts and claims are more common.
• Insured declared value (IDV): A higher IDV in bike insurance leads to a higher zero depreciation premium, as the insurer’s risk increases.
• Add-ons and modifications: Extra accessories or custom parts enhance the bike’s repair value, which in turn increases the premium.

How to buy or renew zero depreciation bike insurance online?

Buying or renewing zero depreciation bike insurance online is a quick and easy process. Start by visiting the insurer’s website or a trusted online aggregator and enter your bike details or your existing policy if you are renewing. You should look for a comprehensive insurance plan, as zero depreciation cannot be added to a third-party-only policy.

After you have selected the type of policy you will go for, check whether your bike falls within the insurer’s eligible age range for this add-on. Then go to the add-on section, select the zero depreciation cover, and review the updated premium. Once everything looks correct, make the payment and download your new or renewed policy instantly.

Why should you choose zero depreciation cover for your two-wheeler?

Choosing a zero depreciation cover for a two-wheeler is helpful as it allows you to claim almost the full repair amount without any depreciation cuts on replaced parts. Costly components like plastic, rubber and even fibreglass are fully covered, making repairs more affordable.

As a bike gets older, regular policies reduce payout, but a zero depreciation cover ensures you receive the full replacement value as per the policy terms. This makes the claim process smooth and stress-free. It is especially useful for premium or customised bikes that have expensive parts. This add-on can be purchased when buying a new policy or during renewal, and the number of zero-depreciation claims allowed in a year depends on the insurer and the policy’s terms and conditions.

Conclusion

Zero depreciation coverage adds real value to your bike insurance by protecting you against unforeseen maintenance costs and depreciation cuts. It protects your two-wheeler financially, especially if the parts are expensive or custom-made. If you want stronger coverage and a smoother claim experience, choosing a comprehensive bike insurance with a zero-depreciation add-on is a smart step. For expert guidance, fill out the form provided on this page, and our experts will connect with you.

FAQs

1. Can zero depreciation be added mid-policy?

Most insurers allow zero depreciation only at the time of purchase or renewal, not during the policy period.

2. Can you claim zero depreciation for cosmetic damage?

Only if repair or replacement of parts is required, minor superficial scratches without part replacement may not qualify.

3. Is zero depreciation cover transferable to another owner?

Yes, the zero depreciation cover can be transferred to the new owner when the car is sold, since the add-on is linked to the vehicle rather than the policyholder. The transfer is allowed as long as the car’s registration number remains unchanged.

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 - 27 Apr 2026

In the urban areas, increased traffic and overcrowded public transport have led to the increased use of two-wheelers. In the less developed parts of the country, two-wheelers are just as popular, maybe even more, owing to the lack of public transport facilities. The parts of our country that were earlier left out of development projects have now been seeing large-scale road construction projects, further boosting the use of two-wheelers.

Convenient, cost-effective and easy to navigate through heavy traffic, two-wheelers are our country’s favourite ride. But there are also major safety concerns that arise with the use of two-wheelers. That’s why you shouldn’t skip bike insurance. This article discusses why they are necessary.

Why Saving on Insurance Premiums Can Cost Your Life Savings

Saving on insurance premiums may seem practical, but it can expose you to financial risk. Low-cost policies often offer limited coverage, meaning you may have to pay for repairs, theft, or medical expenses out of pocket. They may also have high deductibles, fewer add-ons, and insufficient personal accident cover, reducing your overall protection.

In the long run, choosing a low-cost policy can be more expensive and cause financial strain. Opting for adequate coverage ensures better protection, stability, and peace of mind.

How Lack of Two-Wheeler Insurance Affects You

Lack of bike insurance can result in significant financial and legal problems. Without coverage, you must bear all costs for repairs, theft, third-party damages, and medical expenses personally. It is also a legal requirement under the Motor Vehicles Act, 1988, and riding your bike without it may result in penalties. The absence of insurance makes even minor accidents stressful and costly.

Conclusion

If a two-wheeler rider is involved in an accident that causes the death of the third party or a serious injury, the amount they would be liable to pay could run up to crores. Long-term two-wheeler insurance policies are now available, offering added convenience by removing the need for annual renewals.

While confidence in one’s driving skills is valuable, road conditions and unforeseen circumstances can still lead to accidents. Therefore, opting for bike insurance for your two-wheeler is a prudent and responsible choice.

FAQs

1. Does long-term comprehensive two-wheeler insurance offer better cost savings than annual policies?

Yes. These can help save money on premiums over time and protect you from annual price revisions. They also ensure continuous coverage, reducing the risk of policy lapses.

2. What factors are to be considered while choosing a bike insurance policy?

You should review the coverage scope, claim settlement ratio, add-ons, deductible amount, and exclusions. Doing this can help you select a well-balanced policy with adequate protection.

3. Can I transfer my existing insurance policy when selling my two-wheeler?

Yes, you can transfer it to the buyer along with the vehicle. However, you must complete the strategy promptly to stay compliant and ensure uninterrupted coverage.

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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

A remarkable feature called Mobile Self Inspection has been introduced by ICICI Lombard in their Insure app. It allows insurance subscribers to renew their expired motor insurance conveniently.

It cuts back on the time that is normally required for mandatory inspection by an authorised surveyor. The mobile self-inspection is triggered only when a motor insurance policy expires and there has been a considerable time lapsed from the renewal due date.

A process called Break-in is commenced by the insurer when a subscriber seeks for renewal of an expired policy. In this procedure, the policy is issued based on successful investigation. Now, a new policy will be issued by the customers without manual investigation. The policy needs to be renewed by online payment through ICICI Lombard's website or mobile app.

The two-wheeler industry in India has grown rapidly. In the absence of public transport during the pandemic, a greater number of people are now purchasing two-wheelers. Indian roads are expected to get flooded with these vehicles in future. According to a recent report, domestic two-wheeler sales are likely to grow by 6-8% over the next five years as the economy comes out of the covid-19 induced downturn.

As the traffic will increase, so will the number of two-wheeler accidents. Especially, given the poor condition of Indian roads and the fact that many Indians often ignore traffic laws and safety measures. More than a third (37%) of those killed in road accidents in 2019 were two-wheeler riders, noted a Ministry of Road Transport and Highways’ report published in October, 2020.

Hence given the situation, motor insurance is a must-have for all two-wheeler owners. In case of an accident, the insurance policy will protect you from the financial liabilities arising from the accident. However, before you start browsing insurance policies online, you should first understand how the premium is calculated.

Important factors that affect your bike insurance premium

The following paragraphs will explain factors affecting the two-wheeler insurance premium quote:

• Type of coverage

In India there are two different types of motor insurance policies available— third party and comprehensive. Third-party insurance is mandatory by law, but it only covers damages/injuries to the third party involved in an accident. A comprehensive policy, on the other hand, covers third-party liabilities as well as own damages/injuries.

Since comprehensive two-wheeler insurance offer more coverage, their premiums are higher than third-party insurance premiums.

• Add-on covers

Add-on covers are usually recommended for two-wheelers. There are different types of add-ons available with two-wheeler insurance plans, such as zero depreciation, roadside assistance and high-end electrical and non-electrical accessories. All of these come at an extra premium.

• No Claim Bonus (NCB)

No Claim Bonus in bike insurance is a discount that is offered to you for every claim-free year. If you are renewing your bike insurance and have not filed any claim in the past year, you are entitled to a discount on the insurance premium. In this way, the insurance company rewards you for being a responsible rider.

NCB is usually 20% in the first claim-free year and can reach up to 50% in the fifth claim-free year, depending on the provisions of the policy document. If you have accumulated NCB, you can use it to reduce your two-wheeler insurance premium considerably at renewal.

• Anti-theft devices

Anti-theft device is a security feature that reduces the chance of your two-wheeler theft. This, in turn, helps in reducing the risk for the insurance provider. Just like how the insurers compensate for higher risk by charging a higher premium, the lower risk is rewarded with a lower premium.

• Anti-theft devices

Anti-theft device is a security feature that reduces the chance of your two-wheeler theft. This in turn helps in reducing the risk for the insurance provider. Just like how the insurers compensate for higher risk by charging a higher premium, the lower risk is rewarded with a lower premium.

• Voluntary excess

Two-wheeler insurance companies offer two features - Compulsory excess and Voluntary excess. Compulsory excess requires you to pay a certain percentage of the repair cost from your own pocket, while the insurer pays the rest. Compulsory excess is fixed and cannot be increased or decreased.

However, there is voluntary excess, which you can adjust at the time of purchasing the policy. You can go for a higher voluntary excess to lower the insurance premium. But a higher excess will require you to pay more money from your pocket if your two-wheeler is damaged.

• Make and model

The amount of premium also depends on the model of your two-wheeler and its manufacturer. The more high-end the model, the higher is the insurance premium you need to pay. That means if you are the owner of a Harley-Davidson or Ninja you would pay higher premiums.

• Engine capacity

Do you know the cubic capacity of your two-wheeler’s engine? If you do, you are one step closer to knowing what your insurance premium should be. The higher the engine capacity, the higher will be the premium charged.

• Geographic location

The geographic location of the person using the two-wheeler also contributes towards determining its premium amount. If you stay in an urban location with a higher density of traffic, this results in higher incidences of accidents. Well, that again means a higher premium for you!

Importance of using a calculator for bike insurance

With so many variables in play, figuring out the right premium manually can be complicated. That is where a bike insurance premium calculator becomes useful.

Why use a calculator?

• Accurate estimation: It considers your bike’s details, coverage type, location and other factors to give a real-time estimate.
• Comparison made easy: You can compare various two wheeler insurance premiums from various companies and choose what suits your budget and needs.
• Customisation: By selecting different IDVs or add-ons, you can see how the premium changes, helping you customise your policy effectively.
• Time-saving: No paperwork, no agent dependency, just enter your details and get your quote within seconds.

Whether you are buying a new bike or renewing your comprehensive two wheeler insurance, a calculator can help you make cost-effective decisions without compromising on coverage.

Conclusion

Two-wheeler insurance is now easily available online in India. ICICI Lombard has a simple process of buying as well as renewal of two-wheeler insurance policy online. It provides 24x7 claim assistance so that your claims are settled fast. Once you are aware of the factors that affect insurance premiums, you can easily decide on which policy to opt for.

However, before making any payment, it is always advisable to read the policy documents carefully so that you are fully aware of the benefits, inclusions and exclusions of the selected 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.