Updated on 6 Jan 2026

Every two-wheeler owner in India must have at least a third-party insurance policy. But sometimes, we misplace our policy documents or forget the renewal date. In such situations, your bike’s registration number can help you get all the insurance details you need. In this article, you will learn what a bike registration number is and how to find bike insurance details by registration number.

What is the bike registration number?

The registration number of a bike is a unique number allotted to it by the Regional Transport Office (RTO) where it is registered. This registration number acts as an identity card for the vehicle. It helps the traffic police authorities and the common public know a vehicle’s basic details, including its RTO, fitness status, insurance details, engine and chassis number, PUC details, etc.

The basic format of a bike’s registration number in India is “AA 00 AA 0000”. Here, the first two letters denote the state in which the bike is registered. The following two-digit number is the code of the RTO where the bike’s registration is done. The subsequent two letters indicate the RTO sequence, whereas the next four-digit number is the unique registration number allotted to the bike.

Note that the first six characters of two or more bikes can be the same, but the last four digits will always be different.

Why is the registration number important for bike insurance?

Your bike’s registration number is your bike’s identity. Here’s why it’s so important for insurance:

• Verification: The insurance company uses your registration number to verify your bike’s details and confirm ownership.
• Renewal: You can easily renew your policy online using the vehicle number.
• Tracking: If your policy document is lost, you can track your insurance details by entering the registration number on government or insurance portals.
• Claim: When you file a claim for theft or an accident, your registration number is needed to process it.
• Transfer: When you sell your bike, the insurance policy and ownership are linked through this number.

How to check bike insurance details by vehicle number?

Getting your two-wheeler’s insurance details by using its registration number is pretty simple. When you purchase or renew a two-wheeler insurance policy, it gets linked with your bike’s registration number. To know your bike insurance details by registration number, you can adopt any of the following methods:

• Visit the website of the Ministry of Road Transport and Highways (gov.in). You need to go to the “Online Services” section and select “Vehicle Related Services”. You will be redirected to a page where you will have to enter your bike’s registration number, and all its details will be displayed on your screen.
• Download the “mParivahan” app on your smartphone. After registering in the app with your name and mobile number, you can enter your bike’s registration number in the box and click on search. All the details about your bike, including its owner’s name, fitness and road tax validity and insurance details, will be displayed on your smartphone’s screen.
• Visit the official website of the RTO where your bike is registered and enter the registration number of your bike to know its insurance details. You can also visit the RTO physically and furnish your bike’s registration number to the helpdesk officer to know its insurance details.
• Visit the website of your insurance provider, and you will be able to know your policy details by entering your bike’s registration number and your registered mobile number. You can also approach your insurer’s nearest branch office or contact its customer support number to get your bike insurance details through its registration number.

Buy or renew bike insurance online by vehicle number

Renewing or buying bike insurance online is now quick, convenient and hassle-free. There is no need to visit any office or fill out lengthy paperwork. Using your mobile or computer, you can complete the process with just your vehicle registration number.

Simply visit an authorised insurance portal and enter your bike’s registration number to fetch its details. Then, choose the type of policy you want, either a third-party policy or a comprehensive one. You also have the option to compare different plans and customise your policy by adding useful add-ons such as zero depreciation, roadside assistance or engine protection.

Once you’ve selected the plan, make the payment online through secure options. Your policy will be issued immediately, and a soft copy will be sent to your email for instant access and future reference.

Process of bike insurance policy download by vehicle number

Follow these steps to download your insurance policy:

1. Visit the online portal or mobile website of your insurance provider.
2. Click on the “Policy Download” section.
3. Enter the registration number of your bike along with other details.
4. Verify yourself through the OTP sent to the registered mobile number.
5. You will find your insurance document.
6. Download and save the softcopy. Print it to keep a hard copy in your record for future use.

What happens when you do not have a vehicle registration number?

If you don’t have your vehicle registration number with you, here’s what happens:

• You can’t check your insurance details online: Most government and insurance portals need the registration number to show your policy information. Without it, you can’t view your insurance status or expiry date.

• Renewing your policy becomes difficult: Online systems identify your vehicle using the registration number. Without it, the platform can’t fetch your existing policy, so you’ll have to verify details manually through customer support.

• Claim processing may be delayed: If you file a claim for an accident or theft, the insurer will ask for your registration number. Not having it handy can slow down or temporarily block the claim process.

• Can’t confirm your bike’s insurance validity: Without the registration number, there’s no quick way to check whether your policy is still active or expired.

• Might face trouble proving ownership: The registration number links your name to the vehicle in official records, so you’ll need it for any verification with the insurer or RTO.
  
• Manual verification becomes necessary: Without the number, you may have to visit the insurer’s office, show ID proof or use alternate details like chassis or engine number to retrieve your policy.

Other methods to find bike insurance policy details

You can also find your bike insurance details through:

• The customer care department for your insurance provider.
• IIB, or the Insurance Information Bureau’s official portal.
• SMS alerts received from the insurance provider.

Why should you perform a bike insurance check by vehicle number?

Checking your bike insurance policy regularly is a simple yet important step that can help you avoid unnecessary complications later. It ensures that your policy is active and prevents any penalties that may arise from non-compliance with traffic rules.

By reviewing your policy details, you can stay aware of the renewal date and other important information, making it easier to renew on time. Additionally, in the event of an accident or emergency, having updated insurance details on hand allows you to file a claim smoothly and without delay.

Tips to keep your bike insurance details accessible

To avoid stress during emergencies or renewals, it’s important to keep your bike insurance details easy to access. Here are some simple tips:

• Save the soft copy: Always keep a digital copy of your policy on your phone or email.
• Print a hard copy: Keep one printed copy at home and one in your bike’s document pouch.
• Set renewal reminders: Use your phone’s calendar or reminder app to alert you before the renewal date.
• Note down key details: Write down your policy number, insurer’s name and expiry date in your diary or notes app.
• Update contact details: Make sure your insurer has your current mobile number and email address.
• Use cloud storage: You can store your policy in secure online storage for quick access anywhere.

Conclusion

Your bike’s registration number is the easiest and most reliable way to find your insurance details. Whether you want to check policy validity, renew your insurance or download a duplicate copy, the registration number connects all the information you need. You can manage almost everything related to your two-wheeler insurance online, from checking details to making payments. Keep your vehicle number handy and stay insured to enjoy safe, worry-free rides.

While you take care of your bike and keep it in top condition, let us help you protect it on every ride. Get personalised comprehensive bike insurance advice and the best coverage options by filling out the form provided on this page.

FAQs

• Can I check my bike insurance details without a registration number?

You can try using your chassis number, engine number or registered mobile number, but having the registration number makes the process easier and faster.

• How can I find out if my bike insurance is still active?

Visit a government or authorised website and enter your registration number to see the insurance validity and expiry date.

• What will happen in case I forget to renew my bike insurance?

Your policy will lapse, and you may have to go through an inspection before renewal. You’ll also be unprotected in case of accidents or theft.

• Can I download my bike insurance policy online?

Yes, you can download a duplicate policy copy by entering your registration number and verifying your mobile number.

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.

According to the norms laid down by the Central Government of India, the automotive industry in the country transitioned from BS4 to BS6 from 1st April 2020. BS6 or Bharat Stage 6 (or BS-VI) is the 6th iteration of the emission norm standardised and monitored by the Ministry of Environment and Climate change.

BS4 vs BS6: What is the BS6 norm?

Bharat Stage standards are based on the European (Euro) emission norms, a globally revered standard of vehicular pollution control measures. BS6 or Bharat Stage 6 standard is at par with the Euro 6 emission norms.

BS4 vs BS6: Why did we switch from BS4 to BS6?

Six among the top ten most polluted cities in the world are from India. The severity of air pollution in the country has worsened over time, and greenhouse emission from the motor vehicles largely contribute to the cause. Realising that something has to be done, the Central Government introduced the emission norms back in 2001. Since then, the policies have only been made tighter.

BS4 vs BS6: Key differences between BS4 and BS6

The country shifted from BS4 (BS-IV) to more stringent BS6 (BS-VI) norms. But how do they differ from each other? Let’s take a look:

• A new BS6 compliant engine now powers new cars and motorcycles
• BS6 compliant motor vehicles run on more refined BS6 fuel
• BS6 engines exhaust less volume of harmful gases (nitrous oxide, carbon dioxide, and other greenhouse gases)
• The combination of hydrocarbon and NOx (nitrous oxide) has declined by 43% in the BS6 diesel engines exhausts
• The BS6 engines running on BS6 fuel produce 50% less the volume of Particulate Matter (both PM2.5 and PM10)
• The BS6 compliant diesel cars come equipped with Diesel Particulate Filter (DPF) to filter the exhaust fume
• The sulphur content in the BS6-grade fuel has significantly been reduced to 10 PPM (Parts Per Million) compared to the 50 PPM in the BS4-grade fuel; an 80% decline in the PPM volume
• BS6 vehicles come with built-in Onboard Diagnostic (OD) feature

BS4 vs BS6: How does BS6 norm help the environment?

With the air quality worsening in some major Indian cities, it was necessary to take steps to cut down on the pollutants. BS6 or the Euro 6 emission norms address this very need, which is also a global concern. Here are the direct effects of BS6 norms:

• Less sulphur content is better for the environment: With more sulphur content, the motor vehicles emit toxic sulphur dioxide gas in the air. This sulphur dioxide reacts with the water vapour in the air and creates H2SO4 or the dangerous sulphuric acid. This reaction causes acid rain. The reduction in sulphur content in the BS6-grade fuel makes it possible to equip vehicles with better catalytic converters that filter the pollutants.
• Reduced volume of particulate matter: In the BS6-grade fuel, there is a steep decline (50% decline compared to BS4-grade fuel) in the volume of Particulate Matter (PM2.5 and PM10). PM2.5 is a dangerous pollutant that causes lung cancer.

BS4 vs BS6: Do BS4 vehicles run on BS6 fuel?

Since the BS6 fuel is more refined, the BS4 vehicles can run on it. At least the petrol vehicles don’t face any hiccup. Further, with BS4 diesel cars, companies have claimed that one may not notice any significant issue in the short run. However, experts have expressed their concern stating that using BS6-grade fuel in the BS4-diesel vehicles may show some early wear and tear signs in the long run.

That being said, there are numerous active BS4 diesel vehicles on the Indian roads which are running smoothly on BS6-grade fuel.

BS4 vs BS6: How have the BS6 norms impacted car/motorcycle’s performance?

When the BS6 norms were implemented, the car and motorcycle manufacturers tuned their engines to comply with the norms. This resulted differently in different segments of vehicles. Some of the cars now produce less power than their BS4 variants, albeit the decline is not that significant. On the flipside, BS6 cars offer a better fuel economy. The result is pretty similar in the case of motorcycles and scooters.

Also, the on-paper torque figures for both cars and motorcycles have remained unaltered and, in some cases, have even increased slightly.

It is important to know that with the introduction of BS6 norms, many automobile companies have refrained from launching their diesel vehicles. Whereas, some of the manufacturers have even discontinued their old diesel cars.

BS4 vs BS6: Effect of BS6 norms on consumers

The BS6-compliance vehicles got rolled out with a higher price tag, with cars becoming expensive by ₹50,000 to ₹90,000 as compared to their BS4 variants. The price of the newer BS6 compliant motorcycles climbed up by ₹3,000 to ₹10,000.

The fuel price was also speculated to hike because of the huge investment to upgrade the system from BS4 to BS6. However, it was capped by the government and was maintained at par with the existing BS4-grade fuel.

BS4 and BS6 which is best?

While BS4 vehicles were efficient in their time, BS6 vehicles are undoubtedly the better choice today. With modern engine technology, reduced emissions that ensure less pollution and thus long-term benefits for the environment, BS6 vehicles are the future of responsible driving. Whether you're insuring a BS6 two-wheeler or upgrading from a BS4 vehicle, it's crucial to choose the right bike insurance policy. Opting for comprehensive coverage over just third party bike insurance ensures better protection, especially for newer, more advanced BS6 models.

To conclude

It has been more than nine months the BS6 norms have been thoroughly implemented in India. The shift from BS4 to BS6 has skipped the middle stage – BS5, and this was a crucial move on the global scale. Leapfrogging the BS5 norms altogether helped reduce the gap between Indian standards and international standard of the vehicular pollution control measure. Eventually, it is making way for a safer environment and cleaner air to breathe. Also, don't forget to secure your ride with a suitable motor insurance policy. Remember that a car insurance or a bike insurance is mandatory as per the Motor Vehicle Act of 1988.

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.

As per the Motor Vehicles Act of 1988, all two-wheelers must have valid third-party insurance to ply on Indian roads. A standard bike insurance policy usually comes with a single-year tenure, after which vehicle owners have to renew the policy. If the policy is not renewed on time, the owner may face a fine of ₹2,000 and/or imprisonment of up to 3 months. For a repetitive violation, the bike owner may have to pay a fine of ₹4,000 along with imprisonment for the same term.

Digitisation has made bike insurance renewal easier by almost nullifying the paperwork requirements. You can now renew your bike insurance online from the comfort of your home.  In this blog, we have mentioned the mistakes to avoid and things to remember while renewing your two-wheeler insurance to ensure that the process is as quick and hassle-free as it is meant to be.

Mistakes To Avoid When Renewing Your Bike Insurance

Two-wheeler owners make a few mistakes while renewing their bike insurance policy. These mistakes may result in losing benefits or claim-related disputes. Listed below are some such errors which you can easily avoid:

1. Not claiming your NCB

The No Claim Bonus (NCB) is the insurance provider's reward to the policyholder for not raising a claim during the policy tenure. Often, customers forget to get this benefit at the time of renewal.

The NCB in bike insurance is essentially a discount, which you should claim without fail. It reduces the net premium amount that you have to pay for the renewal of your bike insurance policy. You can claim the NCB within 90 days after the policy expiry date. However, we always recommend renewing your bike insurance policy well before the expiry date to ensure optimum coverage.

2. Overlooking the terms & conditions

Insurance providers might regularly modify their terms and conditions to abide by the regulatory changes and maintain business proficiency. You should not assume that the policy terms will remain constant. Read all terms and conditions carefully while renewing your bike insurance to know the policy exclusions and ensure it still covers your requirements

Knowledge of the terms and conditions will keep you aware of structural changes in your bike insurance policy. Hence, you will be able to make an informed decision regarding the switch to a new insurer. Most importantly, it will keep you informed of what you can rightfully expect as compensation when you make a claim.

3. Not intimating the insurer about modifications

Some motorcycle enthusiasts love to customise their rides. If you also make certain modifications to your bike, you must provide the details of each modification to the insurance company at renewal. This will avoid any disputes in the event of a claim.

Many owners may think it is not a big deal if they do not provide the modification details. However, such negligence may render their cover ineffective and give the company a ground to reject or significantly reduce their claim amount.

4. Providing incorrect details

The biggest mistake (which you can easily avoid!) is giving incorrect details while renewing your bike insurance policy. You should carefully type in the details, such as registration number, previous policy number, owner's name, etc., while applying for renewal of the policy.

The insurance cover may become invalid if the name of the vehicle owner is found to be incorrect. Hence, you should keep your bike's registration certificate and previous policy document handy while renewing the policy so that you don't miss out on the exact details.

5. Not assessing the add-on requirements for your insurance coverage

Some owners wrongfully assume that add-ons on a bike insurance policy are only a way of increasing premiums without any benefit. Truth be told, add-on covers significantly enhance the coverage of your bike insurance policy. It can save you from huge expenses in the event of a mishap at the cost of a small premium increase.

Therefore, at the time of renewal, you should carefully assess what kind of add-ons you want to add or remove from your policy, depending on your bike's usage and condition. For example, if you plan to go on long rides, it would be wise to opt for the roadside assistance add-on to get help in case of an emergency.

6. Stretching the renewal process to the eleventh hour

It would be best if you renew your bike insurance policy well before its expiry date. Going for the policy renewal at the last moment leaves no time for assessing your actual insurance needs and making policy changes. Under such a scenario, you might pay the premium in a hurry and end up with a cover that does not fully serve your bike insurance requirements.

You can also renew your policy after it has lapsed, but doing so may lead to a higher premium and a need for inspection. It also leaves your vehicle unprotected against risks.

Factors to Consider While Renewing Bike Insurance Policy

 When renewing your two-wheeler insurance, consider the following key aspects:

1. Insurance Type (Comprehensive vs Third-Party)

When renewing your bike insurance, consider upgrading to comprehensive coverage if you currently only have third-party insurance. This offers more extensive safety and peace of mind in case your bike is involved in an accident.

2. No Claim Bonus (NCB)

No claim bonus for two-wheeler insurance is a discount offered by the insurer for a year when no claims were made. Ensure to get the NCB discount by renewing the policy within 90 days of the last tenure. If you fail to renew your bike insurance within this period, you may miss the NCB discount.

3. Insured Declared Value (IDV)

The Insured Declared Value (IDV) is the maximum sum assured by the insurer in the event of a total loss or theft of the vehicle. The IDV is typically determined based on the bike’s age and model. Ensure that your IDV reflects the current market value of your bike and is not undervalued to avoid financial loss in case of an accident.

4. Claim Settlement Ratio

Before renewing your policy, it's a good idea to check the insurer’s claim settlement ratio (CSR), which reflects the percentage of claims the insurance company has successfully settled. A higher CSR indicates the reliability of the insurance provider. You can change your insurer after checking the CSR to ensure smooth and hassle-free claims in the future.

5. Add-Ons

Review the available add-ons and assess whether any additional coverage would benefit you. Roadside assistance, engine protection, and accessories cover can increase the range of benefits your policy provides and ensure that you're well-protected in various scenarios.

6. Personal Accident Cover

While renewing your two-wheeler insurance, check if you have a personal accident cover and purchase the same to ensure legal compliance and financial protection in case of any casualty to the owner during an accident.

FAQs

Q1: How can I reduce the premium on my bike insurance?

You can reduce the premium on your bike insurance by opting for higher deductibles, maintaining a good claim history, installing anti-theft devices, or bundling your policy with other types of insurance.

Q2: Is it necessary to renew bike insurance every year?

Yes, it is mandatory to renew bike insurance annually as per Indian law. If you are caught without a valid policy, it may result in penalties and other legal consequences.

Q3: Can I renew my bike insurance online?

Yes, most insurers offer online renewal services. It is a quick and convenient way to renew your bike insurance without having to visit the insurer’s office.

Q4: What happens if I do not renew my bike insurance on time?

If you do not renew your bike insurance on time, your coverage will lapse, leaving you financially exposed in case of an accident or damage. Additionally, you may incur a penalty or face difficulty obtaining coverage if your policy lapses for a long period.

Conclusion

The process of renewing your two-wheeler insurance can seem tricky, and mistakes made in the process can result in legal penalties and can delay the claim process. While renewing your bike insurance policy, do your homework and provide all information correctly.

You can buy or renew your motor insurance policy at affordable rates from ICICI Lombard.

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.

India is home to some of the most polluted cities in the world. As per the data published by the World Health Organisation in 2016, excessive air pollution is the fifth largest reason for deaths in India. In fact, among the top 100 most polluted global cities (in terms of Particulate Matter PM10), 30 cities are from India.

One of the primary reasons behind India's imprudent air pollution is the harmful emissions from millions of vehicles plying daily on roads. In Delhi alone, vehicular emissions contribute to 59%, 50%, and 18% of the harmful carbon monoxide, hydrocarbons, and nitrous oxides discharge into the air.

To curb the perennially rising air pollution in India, the Central Government laid down stricter BS6 emission norms for vehicles in 2017. Further, the Government made it mandatory for all cars and two-wheeler manufacturers to sell and register only BS6 compliant vehicles from 1st April 2020.

In case you're wondering how the Indian two-wheeler industry has been impacted due to this BS6 norm, this article is for you. Here, you will know everything about the implementation of BS6 emission standard in India and how it will impact the pricing, hardware, fuel, lubricant technology, and manufacturing of the new bikes and scooters. Read on.

What is BS6 emission standard?

BS6, or Bharat Stage 6, is the most advanced emission standard for automobiles in India. It is equivalent to Euro VI norms, which is currently in place in various European countries. Considering the constantly rising air pollution in our country, the Indian Government decided to leapfrog directly from BS-4 to BS-6 emission standards to control vehicular pollution.

Accordingly, the entire automobile industry was asked to phase out all their BS-4 vehicles and sell only BS-6 cars and two-wheelers after the deadline of 1st April 2020.

How has two-wheeler manufacturing changed due to the implementation of BS6 norms?

Transitioning from BS4 to BS6 norms requires significant changes in engine technology for two-wheeler manufacturers in India. These changes include improvements in engine combustion and calibration, enhanced fuel injection and cylinder pressures, and after-treatment solutions for NOx and PM.

The BS-6 norms make it mandatory for two-wheeler manufacturers to introduce a fuel injection system for the first time in India. As an aftereffect of this system, carbon emission from the petrol engines of two-wheelers has reduced significantly. Also, the BS6 engines are observed to be less powerful but more fuel-efficient.

With the global temperature on a steady climb, the last thing the world needs is more pollution. When we deplete fossil fuels, we will eventually have to bank on an alternate power source. Many enterprises have realised this need and, therefore, have started manufacturing EVs (electric vehicles). To contribute to a greener future, the Indian automotive industry is making a gradual shift to electric power.

Although electric vehicles have not been widely accepted by the Indian market yet, they're certainly a part of the future. The government is trying to push it, offering substantial subsidies to customers buying electric scooters or EVs in India.

What are electric scooters?

An electric scooter is a two-wheeler vehicle like any other motorbike or scooter; the only difference is that an electric scooter does not run on petrol or diesel. Instead, an electric motor and a battery power it. Electric scooters cause zero-emission and zero noise pollution – making this category of two-wheelers the most viable alternative to deal with pollution.

Is bike insurance compulsory for electric scooters?

No. When it comes to e-vehicles, Indians have widely accepted the e-rickshaws, but the market for electric two-wheelers and EVs is still small. Despite the monetary benefits from the government, customers are shying away from these vehicles. This may be one reason why the government had not laid out any definitive rule or guideline for electric scooters' insurance (especially for the low-speed ones).

However, there are other electric scooters in India - mighty beasts with high-powered motors that generate huge torque and power. In terms of top speed, these electric scooters are equivalent to their petrol counterparts and can reach up to a rate of 80-90kmph.

You must hold a valid two-wheeler license to ride one of these powerful electric scooters in India. They also require registration and a valid two-wheeler insurance policy.

Benefits of having bike insurance for your electric two-wheeler

Apart from complying with the law, there are other reasons why you must buy two-wheeler insurance for electric scooters-

1. Electric scooters are expensive

Despite all the government's efforts to promote the purchase and use of electric scooters in India, the demand has not witnessed any upheaval. One strong reason for this shyness is the price of battery-operated scooters in India. These electric scooters cost relatively higher than petrol-driven scooters or motorcycles. Therefore, it becomes a necessity to protect it from any accidental damages. Since these scooters are expensive, the repairing cost can go very high, and a comprehensive insurance policy can be a saviour for you.

2. Some electric scooters are powerful machines

We have mentioned earlier that some of the electric scooters don't need registration. Further, you don't even need a valid license to drive one such. This exemption of rule was allowed because these e-scooters produce less power and cannot go beyond 25kmph. Though, on the other hand, that's not the case for modern electric scooters.

In the last few years, automobile manufacturers have introduced many electric scooters in India with powerful engines that can produce high torques. These two-wheelers can accelerate in a blink of an eye and reach a top speed of around 80-90 kmph. And in case of any unfortunate event, comprehensive two-wheeler insurance can shield you from hefty repairing costs.

FAQs

1. How can I purchase two wheeler insurance online for my electric scooter?

Many insurance providers offer online platforms where you can compare policies, customise coverage, and purchase insurance conveniently from your home.

2. What is third-party insurance for two wheelers?

Third party insurance is a two-wheeler insurance policy covering only the third-party liabilities. In case of an accident where you hurt someone or damage third party property, this policy will cover the expenses – medical expenses in case of an injury caused to a third-party as well as other damages caused to the victim's vehicle or property. This type of insurance policy does not cover damage to your own scooter.

3. Are there specific insurance policies tailored for electric scooters?

Several insurers offer policies specifically designed for electric scooters, considering their unique features and potential risks.

4. Does insurance cover the battery of the electric scooter?

Coverage specifics vary by policy. It is essential to review the terms to ensure components like the battery are included.

5. How does the electric scooter insurance premium compare to petrol-powered scooters?

Premiums for electric scooters are often lower due to their reduced risk profile and lower top speeds, but rates can vary based on the insurer and coverage details.

6. What is a comprehensive insurance policy for two wheelers?

In simpler words, this is a more inclusive two-wheeler insurance policy. A comprehensive bike insurance policy  provides optimum cover for the insured vehicle against any man-made or natural disaster. Apart from third party liabilities, this insurance policy covers your scooter's repair expenses in case of accidents, theft and malicious damage.

Conclusion

As India's electric scooters' market is still in a nascent stage, the motor insurance premium for such vehicles is affordable. If you want to renew or buy a two-wheeler insurance policy, you can visit our website and take a free quote. ICICI Lombard offers various two wheeler insurance online plans, with benefits such as cashless repair at network garages and hassle-free claims.

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. 

Two-wheelers are one of the most convenient and cheapest modes of commuting in India. Not only do they help you cover short distances in no time, but they are also fuel efficient. Few things in this world can match the thrill and excitement of riding a two-wheeler. If you happen to be a bike enthusiast, you must be well-versed with the different parts of your all-weather companion on the road.

However, not many people have deep knowledge about the essential parts that are common to every two-wheeler. If you are also among one such person, this article is for you. Here, we have listed and described some basic two-wheeler spare parts, including engine, gear, clutch, accelerator, brakes, tires, fuel tank, and exhaust pipe. We have also listed some two-wheeler maintenance tips. Read on.

15 Essential Parts of Your Bike and Their Maintenance Tips

While bike insurance provides coverage in case of an emergency, knowing about the essential parts of your bike and tips for their maintenance play a big role in minimising the risk of an accident-

1. Engine

The engine of a bike or scooter is often called its heart. This is what powers a two-wheeler and is responsible for its performance. The combustion of the fuel takes place in an engine and after that, other parts of the vehicle start moving. For bikes, the engine is usually located on the front, whereas, for scooters, the engine is on the rear side.

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 comprehensive bike 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. They are used to decrease the speed of the vehicle. There are two types of brakes – disc brakes and drum brakes. You need to apply the brakes when you halt your moving vehicle.

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 the brakes are located on the handlebar. Check brake pads and discs for wear and replace them when needed. Maintain proper brake fluid levels and replace it every 1–2 years. Avoid sudden or excessive braking to prevent unnecessary wear.

3. Tyres

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

Note that you should maintain optimum tyre pressure all the time. It will help you maintain the balance of your bike and increase the fuel efficiency of your two-wheeler. Also, when the thread patterns of your bike's tires start flattening, you should change them.

4. Clutch and gear

Clutch and gear are a set of components that 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 during the ride. Gears are usually presented as a lever that the rider can press with his/her left leg, whereas the clutch is located on the left-hand side of the handlebar.

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

The accelerator is another important component, which is present in both bikes and scooters. It is present in the form of a throttle on the right-hand side of the handlebar of every two-wheeler. The accelerator 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 his/her two-wheeler increases. Properly lubricate your bike accelerator mechanism, check the springs, and replace them if needed.

6. Exhaust pipe

Exhaust pipe of a two-wheeler acts as a funnel, diverting high-pressure exhaust gases and releasing them into the atmosphere. It is also known as a silencer or front pipe in India. The exhaust pipe is usually made up of mild steel that may or may not be coated with grades of stainless steel.

It is very dangerous to ride a two-wheeler with a choked exhaust pipe. This can cause harmful gases to accumulate within the gas chamber, leading to a blast in a worst-case scenario. Therefore, you should regularly clean your bike's exhaust pipe and ensure that there is no rusting at its surface.

7. Fuel tank

As the name suggests, the purpose of a fuel tank is to store fuel. The capacity of the fuel tank varies from vehicle to vehicle and it can range between 5 to 15 litres for a two-wheeler. There is a cap on the top of the fuel tank which is used to suffuse petrol into it. The fuel tank is usually located above the engine.

Fuel tank 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 to clean your bike's fuel tank.

8. Headlamp and tail-lamp

The headlamp and tail lamp of a two-wheeler are the lights that assist the rider and others on the road. Headlamps also called the eye of the vehicle, are in front of the two-wheeler and are used during the night or foggy conditions for clear visibility of road and other vehicles.

On the other hand, the taillight is located on the back of the two-wheeler so that other vehicles running on the road can spot your bike easily and maintain a safe distance.

To keep the headlamp and tail-light in good condition, clean the light covers to enhance brightness. Replace damaged or fused bulbs immediately. Check the alignment of headlights for proper visibility.

9. Chain

The chain transfers power from the engine to the wheels, ensuring the bike moves efficiently. Over time, the chain can loosen, causing slippage and wear. Chains vary in design and size depending on the type of two-wheeler. An easy way to maintain your bike chains is to lubricate them every 500–700 km. Check and adjust chain tension to the recommended level. Regularly clean the chain to remove dirt and prevent rust.

10. Suspension System

It absorbs shocks and provides a comfortable riding experience on uneven roads. It also ensures stability and control. Regularly inspect the suspension for oil leaks or damage. Get it checked during regular servicing. Replace worn-out components for optimal performance.

11. Gearbox

It allows you to control the bike’s speed and power output by selecting the appropriate gear. Change the gearbox oil as per the service schedule. Address any difficulty in shifting gears promptly. Avoid harsh or improper gear changes to prevent damage.

12. Spark Plug

The spark plug ignites the air-fuel mixture in the engine, enabling combustion. It is a small yet crucial component for the bike’s operation. Inspect the spark plug for deposits or wear. Clean or replace it if necessary. Ensure the gap between electrodes is set as per manufacturer specifications.

13. Air Filter

The air filter prevents dust and debris from entering the engine, ensuring clean airflow for combustion. Clean or replace the air filter regularly, especially in dusty environments. Use only manufacturer-recommended filters. Check for clogging during servicing.

14. Indicators and Horn

Indicators and the horn ensure safe communication with other road users, helping you signal turns or warn others of your presence. Check and replace faulty indicator bulbs. Test the horn regularly and replace it if it malfunctions. Clean the components to prevent dirt buildup.

15. Seat and Upholstery

The seat provides comfort for the rider and enhances the bike’s aesthetics. A damaged or dirty seat can affect the riding experience and lead to bad posture and physical discomfort. Clean the seat with a mild detergent and water. Use a cover to protect it from sunlight and rain. Replace torn upholstery for better comfort.

FAQs

1. How often should I service my two-wheeler?

   You should service your bike every 3,000–5,000 km or as per the manufacturer’s recommendation.

2. What should I do if my bike’s brakes feel weak?

   Check the brake pads, discs, and brake fluid levels. Replace any worn-out parts.

3. How can I improve my bike’s mileage?

   Maintain proper tyre pressure, use high-quality fuel, and service your bike regularly.

4. When should I replace the tyres?

   Replace tyres when the tread depth is less than the recommended level or if they show signs of wear and cracks.

5. How do I know if my spark plugs need replacement?

   If your bike has difficulty starting or has a drop in performance, inspect and replace the spark plug if necessary.

Conclusion

If you own a two-wheeler or intend to buy one in the future, you must know about these common two-wheeler parts. Going for regular servicing will help you keep your ride in top share. Also, you should obey all traffic safety rules while riding your two-wheeler to ensure a safe and secure ride. Furthermore, you should procure a comprehensive two-wheeler insurance policy, which keeps your vehicle financially secured against adversities. Motor insurance is crucial to protect you and your bike in case of an accident or mishap.

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.

As per the Motor Vehicles Act of 1988, third-party motor insurance is mandatory for all types of vehicles running on Indian roads. If someone is caught driving without a valid third-party insurance policy, he/she may have to pay a fine of up to ₹2,000 or face imprisonment for up to three months or both.

Hence, buying a third-party bike insurance policy is not a choice for two-wheeler owners in India but a mandatory obligation by law. But, do you know what exactly is third-party insurance, what its benefits are, and how to claim 2-wheeler insurance 3rd party?

In case you don't, this article is for you. Continue reading.

What is third-party two-wheeler insurance?

Third-party two-wheeler insurance protects the owner/driver of the insured vehicle against any legal liabilities that may arise in case his/her vehicle causes death, bodily injuries, or property damages to an unknown third party. It means that in case an insured vehicle gets involved in an accident and causes financial loss or damage to a third party, the insurance provider takes care of the legal expenses.

As stated previously, a third-party insurance  policy is mandatory for all bikes and scooters running on Indian roads. A rider must carry the policy document all the time while riding his/her two-wheeler. The Insurance Regulatory and Development Authority of India (IRDAI) fixes the premium amount for third-party insurance for different vehicles.

What is covered by third-party insurance?

The mandatory third-party insurance covers legal liabilities that can be claimed by a third party only when the owner or driver of the insured vehicle is at fault. It provides coverage for the following conditions:

• Cover for third-party death or bodily injuries

When an insured two-wheeler causes bodily injuries to a third party, with the rider of the two-wheeler at fault, the third-party insurance will cover the hospitalisation or treatment costs of the injured person(s). In case the insured two-wheeler causes the death of a third party, the insurer will pay a compensation amount (as decided by the tribunal court) to the victim's kin.

• Cover for third-party property damage

When an insured two-wheeler gets involved in an accident and causes damage to the surrounding property, the third-party insurance provider pays for financial losses to the victim. There is no limit on the maximum coverage amount for death or injury, but for compensation against property damage, the maximum coverage is capped at ₹7.5 lakhs.

• Personal accident cover

Along with the basic liability cover, you can also include a personal accident cover of up to ₹15 lakh for the owner-driver of the vehicle. It means that in case the owner of the two-wheeler gets injured during an accident, the vehicle's insurance will cover the costs required for his/her treatment or hospitalisation.

How to file a third-party insurance claim?

The claim process for third-party two-wheeler insurance is a bit complex. You need to remember that the claim is entertained only if the victim or claimant can prove that the owner or driver of the insured vehicle was at fault, due to which the accident took place. A special tribunal court decides whether the insurer should pay the compensation to the victim and how much amount should be paid to him/her.

Below are the steps in which you can register a third-party insurance claim:

Click photographs or record visuals of the damages suffered by you.

Note down the registration details of the vehicle that caused the damage. If possible, also note the contact number and details of the third-party insurance policy.

Check if someone witnessed the accident and note their contact details. These eyewitnesses will be of great importance later.

Register an FIR at the police station under whose jurisdiction the accident took place. You need to mention the exact details of the accident in your FIR.

Register a case with the Motor Accident Claims Tribunal court with the help of a lawyer. You need to prove in the court that the vehicle owner was guilty by furnishing relevant documents, photos and videos, and eye-witnesses.

The tribunal court will decide the compensation amount (if any) the insurance provider needs to pay to you.

Things to keep in mind while filing the claim

Chances are that the tribunal court might reject your claim if it does not find it valid. Below are the things you should keep in mind while filing the third-party insurance claim:

• Avoid running from the accident spot.
• Try to take as many photos and videos before letting the vehicle(s) move.
• Be honest. Don't exaggerate the accident to get your claim passed.
• Seek immediate medical help in case of serious injuries.
• Avoid any monetary settlement at the accident spot. Take the legal route.
• Collect as much evidence as you can to substantiate your claim.
• Be patient with the process. Don't get panic or angry.
• Co-operate with different authorities at different stages.
• Ensure proper documentation through the claim settlement process

Though the purpose of the third-party insurance is to protect the third party, the ratio of claim settlement remains very low. Besides, a third-party insurance claim is a complex and time-taking process. You need to be diligent and spot-on with all the documents and visual evidence to substantiate your case in the tribunal court.

Documents required for claiming third-party insurance

When filing a third-party insurance claim for your two-wheeler, it's essential to gather and submit the necessary documents to ensure a smooth and efficient process. Whether you hold a basic third-party policy or a comprehensive bike insurance plan, having the correct paperwork is crucial. Here's a list of documents typically required:

1. Duly Filled and Signed Claim Form: This form initiates the claim process and must be completed accurately.
2. Copy of the Police FIR: An FIR provides an official record of the incident and is mandatory for third-party claims.
3. Insurance Policy Document: A copy of your current two wheeler insurance policy serves as proof of coverage.
4. Driving License Copy: A valid driving license of the person riding the bike at the time of the incident is required.
5. Registration Certificate (RC) Copy: This document verifies the ownership and registration details of your two-wheeler.
6. Repair Estimates or Bills: If there is property damage, provide estimates or bills for the repairs.
7. Medical Reports and Bills: In cases involving bodily injuries, submit relevant medical documentation.
8. Witness Statements: If available, statements from witnesses can support your claim.
9. Photographs or Videos of the Accident Scene: Visual evidence can help substantiate the circumstances of the incident.
10. Stamp (for Commercial Vehicles): If the claim involves a commercial vehicle, a company stamp may be required on the documents.

If you have a comprehensive bike insurance cover, you may not need to file a third-party insurance claim as any damage to your bike will be covered by it. In the absence of a comprehensive cover, do remember to note the vehicle's registration number at fault. This will help you in tracking and filing a case against the vehicle owner.

At ICICI Lombard, we offer comprehensive bike insurance - Two Wheeler Package Policy, along with third-party insurance - Two Wheeler Liability Policy as well. You can take a look at the respective product coverage and purchase the policy that best suits your needs.

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.

We all know that riding a motorcycle is fun. The joy of cruising on an empty road is a feeling only a true biker can understand. But a motorcyclist also faces situations that are adverse and sometimes life-threatening. To be on the safe side, a biker needs to follow the rules by wearing proper gear, as well as following certain codes. Adhering to these can ensure the safety of others around you, as well as take you to your destination unharmed.

When you are riding your favourite motorcycle, you ride like you mean it. You will not be pleased to see a single scratch on it, and your loved ones will not be pleased to see a single scratch on you. Be it commuting to work or a bike tour, the following tips can save your life. Moreover, you should buy comprehensive two wheeler insurance policies online to secure yourself against any mishaps.

How to avoid bike accidents?

Here are some rider-focused tips to stay safe on the road:

• Mind your surroundings

Assuming that the roads are spotless is idealistic but not realistic. There are bumps, ruts, holes and other obstructions that can prove harmful to a rider. Pay attention to all these while riding and also mind the traffic density and the movement of the pedestrians. Keep your eye on the rear-view mirror to spot incoming vehicles. A speeding vehicle can startle and put you off the road, unless you are aware of it.

• The intersections

Being aware of the intersections or turns is a lifesaver. Most motorcyclists stumble while going through intersections because of other vehicles and their own inexperience. Whenever you come across any intersection, a sharp turn, or a crossroad, keep your eyes on the indicators of other vehicles as well as the tyres. Doing this will give you an idea of the direction other vehicles are taking.

• Maintain a safe distance

Whenever you go out on the road with your motorcycle, always choose a lane, preferably the left side of the road. Avoid commuting through the middle as other vehicles might be in a hurry. After you choose your lane, keep a safe distance from other vehicles. There can be scenarios where a vehicle overtakes and pulls over right in front of you, or again changes its course without any indication. This can put you in real trouble and can be the cause of a nasty crash. So, it is recommended to maintain a safe distance so that you can move on your own.

• Do not rush

Rushing or speeding can get you to your destination before time. Rushing or speeding can also buy you a one-way ticket to heaven. So, whenever you head out towards your destination, always adhere to traffic rules and maintain speed discipline. It is especially recommended not to speed while taking a sharp turn. Doing so can make you lose control of your motorcycle and cause a nasty pile-up.

• Don’t drink and drive

India is one of the notable countries, where every year, there are traffic incidents involving ‘drink and drive’. Going out for a rivalrous night with friends is a good idea, but taking your motorcycle while doing so is not. If you have crossed your drinking limit, then opt for public transport or cabs. Above all, drink responsibly to ride responsibly.

• Precautions

However, there is also luck involved, as trouble does not knock on your door with warnings. Mishaps can happen at any time without prior intimation. One should always be prepared if situations go awry.

The most important part of riding is cladding yourself with proper safety gear, as prevention is better than a cure. Wearing a helmet, a padded arm guard and a knee guard brought from a trusted source can come in handy. Also, make sure that you buy two wheeler insurance online. Online tools like bike insurance calculators also give you a fair idea about how much the insurance premiums will be and also aid you in choosing the best policy to fit your needs.

Essential checks to prevent a bike accident

Here is what you should monitor frequently to keep your ride roadworthy:

• Tyre health & air pressure

Your tyres are the only contact point between your bike and the road. Worn-out tyres or incorrect air pressure can affect grip and stability, especially during turns or braking. Check for cracks, punctures or uneven tread wear and maintain the recommended pressure at all times.

• Brake system

Brakes are your best defence on the road. Inspect both front and rear brakes regularly for responsiveness. Replace brake pads or discs if worn out and ensure there’s no leakage in the brake fluid.

• Chain and sprocket

An overly tight or loose chain can be hazardous. Lubricate it regularly, clean off the grime and ensure proper tension to avoid jerks and unwanted slippage.

• Lights and Indicators

Functioning headlamps, tail lights and turn indicators help with visibility and are vital for communicating your intentions to other drivers. Always check that your lights are bright and all indicators are working.

• Suspension

A faulty suspension can make your ride unstable, especially on bumpy roads. Monitor for any leakage or abnormal noise and get it serviced at regular intervals.

• Oil Levels and Leakage

Your bike's engine needs proper lubrication to function efficiently. Check oil levels regularly and look out for signs of leakage under the engine. Low levels of oil can result in overheating of the engine, which causes long-term damage to the bike and its mileage.

• Battery Condition

Ensure your battery is fully charged and terminals are clean and rust-free. A weak or dead battery can leave you stranded mid-ride.

Keeping your bike in top shape not only enhances performance and efficiency but also plays a crucial role in preventing accidents.

Conclusion

Motorcycle safety starts with awareness and regular care. While scheduled checkups and maintenance are important, you should also prepare for the unexpected. That is where comprehensive bike insurance becomes important.

Remember, safety is a continuous commitment. Always ride with responsibility, take care of your bike and protect your travels with the right bike insurance policy. Every ride should be thrilling, but never at the cost of safety.

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.

Are you a motorbike enthusiast? Do you feel a lack of bike-centred activities and fests? Are you one of those who want the India Bike Week to last for an entire year? Don’t worry, there are plenty of such fests around the world that cater to your craving! These four are our best picks that promise revelry, great bikes and unbridled fun for hard-core bikers.

Sturgis Motorcycle Rally (USA)

Location: Sturgis, South Dakota, USA
Highlights: Established in 1938, this rally attracts thousands of bikers from around the world. The festival features live music, stunt shows, drag races, and custom bike showcases.
Best time to visit: The event takes place in early August every year.

Daytona Bike Week (USA)

Location: Daytona Beach, Florida, USA
Highlights: One of the largest motorcycle rallies in the world, Daytona Bike Week features scenic rides, motorcycle races, and beachside parties. The event spans ten days and includes vendor exhibits, live entertainment, and custom bike shows.
Best time to visit: Held annually in early March, this event is a great start to the biking season.

European Bike Week (Austria)

Location: Faak am See, Austria
Highlights: This event, known as the largest bike festival in Europe, attracts motorcycle enthusiasts from all over the continent, especially Harley-Davidson riders. It features guided tours, live music, stunt shows, and a massive parade of bikes.
Best time to visit: It takes place in early September. This event also provides an excellent opportunity to explore the stunning Austrian landscape on a bike.

Isle of Man TT (UK)

Location: Isle of Man, United Kingdom
Highlights: The Isle of Man TT is known for its thrilling high-speed races on public roads. It is the most legendary and dangerous motorcycle race in the world, and spectators get an up-close experience of extreme biking skills.
Best time to visit: Held annually in late May to early June, the event draws racing enthusiasts from around the globe.

What to expect at a bike festival?

Bike festivals are an occasion for motorcycle enthusiasts, offering adventure, entertainment, and networking. They usually include nail-biting bike displays, stunt shows, races, mass rides, and custom bike contests. The thrill is accompanied by live music shows, amazing food stalls and specially set-up gear stalls with all sorts of high-tech gizmos for bikes.

Tips for attending a bike festival

Here are some useful tips for those planning to attend bike festivals:

• Plan your trip and accommodation well in advance.
• Ensure your bike is in top condition before riding to the event.
• Carry essential documents, including your bike insurance
• Wear protective gear to ensure safety.
• Be mindful of local traffic rules and festival regulations.
• Engage with fellow riders and make the most of the networking opportunities.

FAQs

Q1. Do I need bike insurance to attend a bike festival?

Yes, bike insurance is crucial, especially if you plan to ride to the event. Some festivals may even require proof of insurance.

Q2. Can I test ride bikes at these festivals?

Many festivals allow attendees to test ride new motorcycle models. However, it’s advisable to carry a valid driving licence and check the rules with the event organisers.

Conclusion

Attending a bike festival is a thrilling experience every motorcycle enthusiast should have. Whether you prefer high-speed races or laid-back rallies, these events offer the perfect blend of adventure, camaraderie, and motorcycle culture. These fests will refresh your love for everything on two wheels. When back home, don’t forget to shower love on your two-wheeler by protecting it with a bike insurance policy. It will ensure that you enjoy your love for riding for years to come.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the 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. 

Two-wheelers on Indian roads are a popular mode of transport for their ease and convenience. However, risks and challenges are involved while navigating the streets on a bike. Ensuring you have proper insurance coverage is not just a legal mandate but a crucial step towards safeguarding yourself and your vehicle.

Startling reality

Take some time out to look at these statistics, collected from a recent survey report:

1. An accident a minute

One serious road accident in India occurs every minute. It means while you are reading this article, an unfortunate mishap would have occurred somewhere in India!

2. 16 lives per hour

16 lives are lost due to accidents on Indian roads every hour. Quick mathematics will tell you it works out to 1,40,160 deaths a year, which is more than the overall population of countries like Bermuda and Cayman Islands.

3. 1 out of 4 times

Two wheelers account for 25% of total road accident deaths in India. Yes, two wheelers are risk-prone, and one needs to take adequate precaution while driving them. Needless to say, abide by traffic rules, drive carefully and follow lane discipline to reduce the likelihood of causing an accident.

However, lack of driving prowess may not be the sole reason of a mishap. You could be inconvenienced due to another rider’s mistake, as well. You could wear a helmet to protect yourself from a head injury. But, a few risks still remain. Let’s take a look at them.

Risks faced by two-wheeler riders

1. Loss of earning capacity

An accident might leave the rider with a permanent disability affecting his/her earning capacity. Or in case of fatal mishaps, besides the trauma of losing a dear one, families might have to shoulder the burden of loss of one earning member. These risks also apply to pillion riders.

2. Two wheeler damage

In all likelihood your bike or 2-wheeler could be damaged if it is involved in an accident. You will have to incur repairing charges. In a few cases, a severe impact could lead to irreparable damage, entailing a significant monetary expenditure.

3. Medical Costs

Two wheeler riders are also exposed to the risk of rising cost of healthcare, an unavoidable expense in case of accidental injuries. While we cannot eliminate the risk of physical harm we can invest in a simple solution that protects us against the financial repercussions of a road accident. Why worry? Instead be prepared to tackle the situation with ease.

The solution: Two-wheeler insurance plan

Primarily of two types, this cover includes the Third Party Cover (mandatory for all bike owners as per law) and Own Damage Cover. While the Third Party Cover compensates third parties, the Own Damage Cover reimburses owner-riders in case of bike damage or loss due to accidents.

Risks arising due to natural (e.g, fire, landslide or cyclone) and man-made (e.g., riots, theft or burglary) calamities are also covered under the Own Damage plan.

Two wheeler insurance policy also cover Personal Accident Plans to provide lump sum compensation in the event of death or permanent total disablement due to accidents. Accidental hospitalization expenses of the rider as well as pillion passengers can be opted for under the plan.

Two-wheeler insurance myths

Some people are of the opinion that compensation for damage to their own vehicle is covered under the Third Party Cover. The fact, however, is that a third party cover reimburses only the aggrieved third party, not the two wheeler owner for any damages incurred.

To curtail out-of-pocket repair costs, insure your vehicle with a comprehensive insurance plan.

Conclusion

Given the high rate of road accidents and the associated risks, having a valid two-wheeler insurance policy is necessary for riders in India. The benefits of bike insurance include legal compliance and financial security for the vehicle and the rider. Bike owners are thus encouraged to opt for comprehensive bike insurance coverage and stay informed about the prevalent myths related to two-wheeler insurance.

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

Everyone looks for an affordable bike that can offer excellent mileage, great value for money and strong performance. When daily commuting is part of life and fuel prices are increasing, a two-wheeler that is easy on the pocket is a better investment. Whether you’re someone who needs a second bike, a first-time purchaser or a student, there are many low-cost bikes that are fuel-efficient, reliable and stylish.

Top budget bikes in India

Here is a list of some of the most well-known and reliable budget bikes that are ideal for the Indian roads and wallets:

1. Bajaj

Bajaj Auto Ltd. targets entry-level buyers and rolls out several budget bikes every year. Bajaj Pulsar is one of the award-winning bikes, which is extremely popular among youth. The Pulsar 135LS comes with a powerful 4-stroke DTSi engine. Discover and Platina models from the same manufacturer are some other bikes that offer superior, best-in-class performance. Their basic models start at ₹ 51,095 and ₹ 42,640, respectively.

2. Hero

Hero MotoCorp Ltd., formerly known as Hero Honda, is the largest two-wheeler manufacturer in India. It offers numerous choices to commuters, starting from the Hero HF Dawn that costs ₹ 39,700. Other popular 100-110 cc bikes, such as Splendor, Passion, and Deluxe are equally high on style and performance.

3. TVS

TVS Motor Company is known for its innovations, including India's first two-seater moped TVS 50 cc. You can get a TVS bike insurance from ICICI Lombard. TVS competes with the industry’s leading motorbike manufacturers and offers commuter-friendly budget bikes such as Sport, Phoenix and Star City Plus.

4. Suzuki

Suzuki specialises in a variety of vehicles, such as automobiles, motorcycles, all-terrain vehicles and outboard marine engines, etc. It manufactures super bikes that are among the most coveted engineering marvels. Suzuki's Hayate and Sling Shot are a few of the most widely sold models across the country.

5. Honda

Honda Motor Co. Ltd. is famous for technological research and development of electric and alternative fuel vehicles. It also ranks high in the production of potential racing machines. On the domestic front, its bikes Dream Yuga, CB Shine and Dream DX drive a hard bargain in terms of price and performance.

6. Yamaha

Yamaha Motor Company has won many world championships in motorcycle racing, a testimony to its high performance and durability. Among the many models, Yamaha's Saluto series flaunts a dashing style that instantly appeals to the youth.

Price comparison and key features of budget bikes

The table below will provide you with an understanding of the key features and the prices of budget bikes:

Importance of buying bike insurance

Now that you’re all set to opt for your best bike, you should also not forget to get a good two-wheeler insurance. In India, having a third-party bike insurance is compulsory by law. However, purchasing insurance is not just about observing the rules. Comprehensive bike insurance protects you financially in case of:

• Explosions or fire
• Natural disasters, such as cyclones or floods
• Damage to other vehicles or injuries to people
• Theft
• Accidents

Conclusion

Budget bikes are a great mix of affordability, mileage and performance for Indian riders. Whether you’re riding through long highways or crowded lanes, these bikes offer outstanding value. However, remember, your journey does not end with just purchasing the two-wheeler. Protecting it with comprehensive two-wheeler insurance is equally important. An insured bike means you’re safe from unexpected costs, riding anxiety and legal issues.

If you need help in picking the correct insurance, just fill out the form provided on this page and receive expert advice for free. Our team will help you find the right policy that will suit your budget and the bike.

FAQ

• Which is the best budget bike for fuel efficiency?

TVS Sport and Bajaj Platina 100 are well-known for their high mileage, which is over 70kmpl.

• Is the bike insurance policy mandatory for budget bikes?

Even budget bikes need insurance. It’s required by law and safeguards you from unforeseen expenses.

• Can I purchase budget bikes on EMI?

Many bike dealers offer EMI options. You can also apply for the two-wheeler loans.

• How can I receive bike insurance instantly?

You can apply for insurance online and get it within minutes. Make sure to do some research before purchasing insurance for your two-wheeler.

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.

Essential tips for taking care of your bike’s tyre in this monsoon

The monsoon season is not only difficult for you on the roads but also for your bike, especially the tyres. After all, they are subjected to conditions that are not conducive to riding. While you can have motorcycle insurance to cover up for any accident, it is better to take precautionary measures to avoid any mishap. Here are four essential monsoon tyre care tips for your bike.

Make Sure Tyres Have the Right Pressure

During monsoon, most riders tend to lower the tyre pressure. This is done to increase contact patch between tyre and the roads. However, it is not the right practice. This puts unnecessary stress on the tyre sidewall and makes it vulnerable to punctures.

It also increases friction leading to the generation of more heat. This has an impact on the tyre's life. At the same time, increasing air pressure will lead to the reduction in contact patch that can lead to the loss of grip. It will also reduce your bike's stopping distance in an emergency.

You must always:

• Check tyre pressure once every couple of weeks
• Use an accurate pressure gauge to measure pressure
• Maintain pressure according to the recommendation of the manufacturer mentioned in the owner's manual. Insurance for bikes depends on whether you have followed all the instructions properly or not

Try to Keep the Tyres Clean

With so much mud and dirt around during rains, it is very difficult to keep the tyres clean. However, with a little care and attention you can achieve great results. You can apply a little wax on the sidewalls of the tyre to keep it shiny. Wax keeps away most of the mud from the tyres.

You can use this simple and effective method to keep the tyres in top shape during the entire monsoon season. You can also use a tyre polishing foam. A little attention will go a long way in ensuring the longevity of the tyres.

Purchase Tyre from a Reputed Manufacturer

Ask any two wheeler insurance agent and he/she will always recommend you to buy your tyre from a reputed manufacturer. Established players, unlike local manufacturers, come up with products that are at par with international standards, thus ensuring optimum performance.

These manufacturers have strict quality control guidelines to ensure that their products meet the required parameters. Hence, if you wish to switch to new tyres, make sure your next purchase is from a renowned manufacturer.

Nobody understands the pain of monsoon like two-wheeler owners. There’s nothing enjoyable about riding around being completely soaked. But what’s worse than being unprotected from the rain while commuting is that your two-wheeler is unshielded from the damage of the monsoon too.

From waterlogged engines and rusting metal parts to malfunctioning brakes and reduced tyre grip, the monsoon can wreak havoc on a two-wheeler's performance and lifespan. Constant exposure to moisture can corrode essential components, weaken electrical systems and lead to unexpected breakdowns—often at the most inconvenient times. For two-wheeler owners, monsoon isn't just about staying dry; it's about ensuring their vehicle survives the season, too.

Tips to prep your bike during monsoon

Riding a two-wheeler gets significantly more risky during the rains. Here are a few important and basic monsoon bike prep tips that will help you brave the season.

• Check the tyres

The splashes of rain bring with it mud, muck and wet roads that are hard to get a grip on. One of the first things you need to do this monsoon season is check the condition of your tyres. It’s important that your tires have deep treads as they disperse water and provide the needed grip to avoid road accidents.

If your tires are old, replace them. Don’t forget to clean the mud off of the grooves before it dries up.

• Lubricate the chain

Potholes and puddles are a natural byproduct of the monsoons. You must ensure that your bike’s chain is cleaned frequently. After every 500 km, use grease or engine oil to lubricate it, as the rain water tends to wash away the lubricant.

• Clean the engine

The engine in bikes is usually exposed and this can be a cause for concern during the rains. Make sure to clean the mud off the engine. While you should do this soon so that the mud doesn’t dry, you should also be careful because the engine is usually hot after a ride.

• Service your brake pads

An important part of monsoon care for bikes is taking care of their brakes for enhanced two wheeler safety. Whether your bike has disc or drum brakes, rainwater tends to reduce their efficiency. You have to ensure that your brake pads are serviced frequently during the wet months. Remember not to brake too hard, because on wet roads that means uncontrollable skidding.

• Maintain a dry air filter

Other than all the mud and muck that the monsoon brings with it, moisture is another cause of worry. It’s possible for the air filter to get clogged up or torn because of the moisture collected. A clean and dry air filter will ensure that doesn’t happen and prevent bike stalling or jerking.

• Get a two wheeler insurance policy

The final step you can take to ensure you’ve done everything in your power for your safety is by getting a two-wheeler insurance policy. Buying a bike insurance online ensures that you and your bike are covered for just about any eventuality.

Frequently asked questions

• Does bike insurance cover water damage during monsoons?

Yes, if you have bike insurance, it due to floods, waterlogging and natural disasters.

• Should I buy an engine protection add-on during monsoons?

Absolutely. Engine protection covers damage due to water ingress, which is common during monsoons and is not always covered under standard policies.

• How often should I service my bike during the rainy season?

A general check-up every 3-4 weeks is advisable if you ride daily. Regular maintenance ensures safety and helps prevent long-term damage.

• Is it safe to ride in the rain if I follow all precautions?

While safety precautions greatly reduce risk, avoid riding during heavy downpours, flooded streets or low visibility conditions whenever possible.

• How can I protect my bike from rust during the monsoon?

Regularly clean and dry your bike, especially after riding in the rain. Apply anti-rust spray on exposed metal parts and lubricate the chain more frequently to prevent corrosion.

• What accessories can help during the monsoon?

Consider installing mudguards, anti-skid tyres, waterproof seat covers, handlebar covers and a bike cover. These provide added protection and comfort during wet conditions.

Conclusion

Your monsoon this year will be a lot more bearable, if not enjoyable, once you’ve followed the above bike maintenance tips for the season. However, there is no sure-shot way of avoiding the uncertainties of life that include road accidents. Monsoons, however, do not have to mean parking your bike for months. With the right preparation and a solid, comprehensive bike insurance policy, you can continue to ride with confidence even when the skies open up. From checking tyre grip and waterproofing electricals to ensuring full insurance coverage, each step brings you closer to a safer, smoother and more enjoyable monsoon ride.

So, this rainy season, let your rides be full of joy, not worry. Prep your bike, ride responsibly and make sure your bike insurance has your back.

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.

Know the importance of insuring your ride

According to a survey conducted by ICICI Lombard in 2015, two wheelers account for 70% of all the vehicles in India and almost 75% of these are uninsured. Either they are not covered under a policy, or the policy has lapsed. What's even more surprising is that these figures exist even when a third party insurance cover is mandatory for all vehicles.

The low renewal rate is largely attributed to the limited distributor interest as these policies have small ticket size. ICICI Lombard offers long term two wheeler insurance that reduces the hassle of yearly renewal for up to 3 years and safeguards you and your two wheeler from any unforeseen damage.

Why You Shouldn't Ride Without Two Wheeler Insurance?

As per Section 197 of the Motor Vehicle Act, 1988, and the revised Motor Bill 2016, you could be penalised for ₹2,000 or face an imprisonment up to 3 months or both for driving without insurance. But this is just one side of the story. Indian roads are highly vulnerable to accidents and two wheelers are one of the most affected in these accidents.

According to World Health Organisation (WHO) Global Status Report on Road Safety, around 16.6 lakh people died in road accidents in India in 2013-14. Two wheelers and pedestrians are the worst affected in these accidents. Motorcyclists alone constitute 23% of the overall road traffic deaths in the country. Therefore, a two wheeler insurance for Indian roads is a safe choice.

Follow these tips to make riding in the rain a lot easier and safer

Monsoon has arrived and the heavens have opened their doors. Intermittent showers with heavy rains ensure that the roads are beaten up and riddled with potholes. The rainy season is difficult for commuters and during these months, a bike must be kept in top-notch condition for glitch-free performance. Here are some suggestions that will make riding in this demanding season an effortless and safe affair.

Maintenance Check

Unless you prefer your bike to stall in the middle of heavy rains on a waterlogged street, this check is necessary. During rains, the mechanical, and the electrical equipment are prone to malfunction due to water seepage. Taking your bike for routine servicing before the arrival of monsoon will keep you steed fighting fit, even in the heaviest of downpours.

Tyres

Since tyres are the only part of the vehicle actually in contact with the road, their well-being cannot be overstated. Ensure that there is enough tread for them to grip the road. Use a one-rupee coin to gauge the tread. This is done by inserting it in the grooves of the tyre; if the coin goes in by 3 mm, then that much rubber is enough for traction on wet roads. If the tread is worn off and the tyre is smooth, then you will have to replace it.

Brakes

Brakes are the next most important component that needs to be looked at after the tyres. Brakes ensure stopping power, which is critically required in the rains. Check your brakes for worn out liners or brake pads, as they will not do a good job during braking. It is wise to get your brakes checked, cleaned, and replaced (if necessary) by your trusted mechanic before the onset of monsoon. You should also look at the level of brake oil to get best performance.

Rider

A bike is only as good as the one riding it, so the rider also needs to have proper gear before taking the bike out for a spin. A protective gear that is appropriate for the rains should be used. Waterproof jacket, gloves, helmets, and kneepads are essential for keeping the rider dry and warm. If the rider is comfortable, he will have better focus and concentration to take on the surprises the roads can throw during the rains.

Bikes are simple. Two wheels, one engine and a great sense of freedom. However, in life, simplicity comes with a price. Therefore, before you swing your leg over the leather and kick that stand back in its place, here are a few aspects to consider.

Intention of the Ride

Consider your needs first. The purpose of your ride will greatly influence the type of bike you should opt for. If you want to make a style statement among your friends, choose a sports bike.

If you travel long distances often, then a touring bike or a cruiser will be a better option. For regular commute in heavy traffic, pick an economic bike.

The Precious Price Factor

How much is too much? Do a comprehensive online as well as offline research to check out prices. Don't be surprised if you find the online prices to be lower than your expectations. These might be the ex-showroom prices and not on-the-road prices.

Bike dealers will help you with financing options, so that the cost doesn't burn a hole in your pocket.

Ergonomics

While selecting a bike, ergonomics (bioengineering) plays a crucial role. The beast you choose must be comfortable during both the test rides and the subsequent long rides.

While riding, ensure that there is only moderate pressure on the wrists, due to weight. Ideally, the handlebar shouldn't be too far to reach and your knee shouldn't be bent more than necessary.

Seat height is important, especially for those with shorter stature. Recently, bike manufacturers have shifted focus to low saddle height with specific focus on females as pillion riders.

Adequate wind protection is often neglected while selecting a bike. You don't want to be tired out after long rides, because of the elements beating you down. A good wind deflector will protect you from this.

Skill and Experience

Riding a bike is undoubtedly fun, but it could also be lethal if done wrong. Therefore, assess your skills and abilities and choose a bike with a performance you can handle.

Going for a crotch rocket (bikes featuring high cc) in the learning stage could get you into trouble. On the other hand, those with mastery and experience would truly appreciate a faster ride.

Fuel Efficiency Matters

Most bike manufacturers spend huge amounts in research and development to ensure maximum fuel efficiency. According to the Automotive Research Association of India, the fuel efficiency of most Indian bikes orbit around 60 kmpl (indicative figure).

The Actual Cost of Ownership

Ask friends and family who own bike models, like the one you plan to buy, regarding the actual maintenance and ownership costs. Alternatively, you may also check and post your queries on online forums and biking clubs.

More than one factor determines the actual cost of ownership:

The only apt adjective associated with a superbike is, well, speed. Technically, any bike with an engine displacement above 500 cubic centimetres qualifies as a superbike. Arguably, the fastest street legal production bike today is the Suzuki Hayabusa with a 1340 cc engine. It is capable of reaching speeds of between 188 and 194 mph, although some might plead their case in favour of the MV Agusta F4 R312. The "312" (kms, making it 194 mph) in the name is said to be the highest speed the bike can supposedly achieve, according to the manufacturers.

Bimota DB8 Oro Nero

Did you know that Bimota, a small Italian manufacturer of some of the finest motorcycles in the world is named after the three founders - Bianchi, Morri, Tamburini? This aesthetically-sculpted bike isn't made on an assembly line. Every model is hand crafted. Oro Nero means "black gold." Looking at this beauty, we wouldn't have agreed to any other name. And Oh! Did you notice the price tag? With only 8 bikes for sale this year, you could well buy a top-end BMW car, if you care.

Ducati 1199 Panigale

- At the heart of this beauty is a Superquadro, L-twin cylinder, liquid cooled engine, which is a structural element of the bike, rather than a standalone unit fitted onto the chassis. This creates a perfect amalgam of power and stability. Ducati has always set high standards and with this masterpiece, they have outdone themselves. Did you know that this bike is fitted with Pirelli Diablo tyres? Diablo means "Devil" in Spanish. Only the Devil can help this bike muster speeds in excess of 186 mph.

Hesketh 24

- This British bike has its unique place in history. The company has gone through some torrid times but now after a revival of sorts, it has launched the "24," a limited-edition bike with only 24 units to be sold internationally. The company, though, plans to produce a twin-seater version of the 24 later. Those who know Hesketh, know the F1 roots of the company, with James Hunt's famous 1975 victory at the Zandvoort circuit. The number on Hunt's car was 24 and hence the name of the new model.

Moto-mantras for a better ride

It is always advisable to be well acquainted with your new ride in controlled conditions under the supervision of a professional. The following are neither skills nor tips and tricks. They are 5 Moto-mantras that will help make your ride a better one.

Ride Your Own Ride

Do not try to hunt when you cannot keep the kill. If the rider ahead of you is going beyond your capabilities, let him. If a rider tries to overtake you from any side or try to win an undeclared race, let him.

Attempting to compete with other riders or riding beyond your normal capabilities might prove to be fatal, both physically and legally.

Dress for the Crash; Not for the Ride

This is mandatory for both city rides as well as for long rides. Having the maximum protection during a crash certainly reduces the chances of any serious injury. Besides, it’s always best to invest in a good riding gear than spending on medical expenses.

Slowing Traffic? Scan the Surroundings

Whenever traffic slows down suddenly, it is always advisable to stay to the left or right of the car ahead of you. This provides a quick escape route when needed. Also, always ride in a gear lower than you usually would, so you may jump forward instantly when prompted.

Watch out for spilled oil or fuel that shows up as shiny pavement. Sand and gravel can be more difficult to spot. Being vigilant can avert an accident!

Always Have a Maneuverable Backup

Bikes may be light in weight, but this also makes them extremely maneuverable in case things get ugly on the streets. There’s almost always an escape route. Your ability to move left or right within a lane enables you to see what is ahead and gives you a lot of extra time to react.

Updated on - 30 Dec 2025

Thinking of buying a bike in India? With so many options, it’s easy to feel lost. Should you pick a reliable Indian brand or splurge on a sleek global bike with advanced features? Your choice affects more than looks; it impacts comfort, performance and long-term costs. This guide breaks down the top global bike brands in India, helping you understand what each offers, so you can choose a bike that matches your style, needs and budget.

Factors driving the popularity of global bike brands in India

Global bike brands are gaining traction in India due to their focus on quality, technology and innovation. Riders appreciate their superior performance, smooth handling and long-term reliability. The entry of international manufacturers has increased competition, raising overall industry standards.

Improved road infrastructure now supports high-end bikes, while rising disposable incomes boost demand. Changing lifestyles favour stylish, performance-driven models for urban riders. Global brands cater to both commuters and adventure enthusiasts, emphasising safety, fuel efficiency, comfort and strong after-sales service, which builds consumer trust.

Top 5 global bike brands popular in India

Here are the top 5 global bike brands popular among Indian riders:

1. Honda

This Japanese brand, famous for its innovative technology, is one of the most trusted motor vehicles on the road. Honda Motor Co., Ltd. is the world's largest manufacturer of motorbikes as well as internal combustion engines.

In 2025, Honda dominated India’s motorcycle market. Its popular models include Shine, SP 125, CB125 Hornet, Hornet 2.0 and CB350 H’ness. Ex-showroom prices range from ₹63,000 for the entry-level Shine 100 to ₹40 lakh for the premium Gold Wing.

2. Yamaha

With a long history of creativity and an unrelenting spirit of challenge, Yamaha is a renowned brand among motorists worldwide. Their bikes have gained popularity for smooth running, stylish design and a blend of rugged and subtle features.

Yamaha boasts a range of performance-oriented bikes, including the RayZR 125 Fi Hybrid, FZ-S FI, R15 V4 and Aerox 155. Yamaha’s models are known for their sporty design and smooth riding and are usually priced between ₹52,702 and ₹13 lakh (ex-showroom).

3. Harley-Davidson

Harley-Davidson focuses on premium cruisers and muscle bikes, offering models ranging from the accessible X440 at ₹2.4 lakh to the high-end Sportster S and Fat Boy, which costs over ₹16 lakh (ex-showroom).

Their heavy-duty bikes captured the market for their macho design and muscular looks. These two-wheelers continue to instil a sense of pride and personal freedom for every American.

The stylish design of these bulky giants comes with a thrill and luxury not many can match. A brand so popular that motorbike clubs endorse it, celebrated at events and even has a museum to its credit!

4. KTM

KTM is a name loved by adventurous riders. The brand is renowned for its high-performance and sports bikes, including the Duke series. The lightweight chassis and modern technology, including ABS and ride-by-wire systems, in their bikes promise speed and durability that riders thoroughly enjoy.

KTM models are priced from ₹1.71 lakh to ₹22.96 lakh (ex-showroom). The popular models include the Duke 200, Duke 250 and RC 390.

5. BMW

The Motorrad from BMW offers cutting-edge engineering, modern electronics and unforgettable designs in its models. The performance of their bikes is unparalleled, delivering an elite riding experience to its buyers. BMW Motorrad targets the luxury market with technologically advanced motorcycles such as the G 310 RR and S 1000 RR, priced between ₹2.8 lakh and ₹22.7 lakh (ex-showroom).

Comparison of global vs Indian bike manufacturers

Both global and Indian bike manufacturers play vital roles in India’s motorcycle industry. The table below compares both global and Indian bike manufacturers:

Importance of bike insurance for global brand owners

Global bikes come with high-end features and premium parts, making maintenance costly without proper protection. This is why bike insurance policy is essential. It safeguards owners from financial losses due to theft, accidents or damage and covers expensive repairs, especially for imported components.

Insurance also provides legal coverage for third-party liabilities. With global bike owners often riding long distances or participating in events, having current insurance ensures legal compliance, peace of mind and protection against unforeseen circumstances on India’s diverse roads.

Tips for choosing the right bike insurance policy

Selecting the right bike insurance is key to protecting your two-wheeler. Here’s how to evaluate options and choose what suits your riding needs:

• Understand your coverage needs: Decide between comprehensive insurance, which covers theft, accidents and natural disasters or third-party liability insurance, which is legally mandatory. Comprehensive coverage offers more protection but costs more.
• Check the premium and Insured Declared Value (IDV): Ensure the premium fits your budget and that the IDV reflects your bike’s market value; the amount the insurer will pay if your bike is lost or fully damaged.
• Read the policy terms carefully: Understand what is covered and excluded. This makes the claim process smoother.
• Consider add-on covers: Enhance protection with add-ons like Zero Depreciation, Engine Protection, Roadside Assistance and Personal Accident Cover.
• Compare different insurers: Look for reputable insurers with high claim settlement ratios and positive customer reviews.
• Check the claim settlement process: Choose insurers with fast and simple claim procedures to get your bike repaired or replaced efficiently.
• Look for No Claim Bonus (NCB) benefits: NCB provides discounts on premiums for every claim-free year, lowering costs over time.
• Check customer service ratings: Ensure the insurer offers reliable support, making it easier to get help or file claims.
• Renew your policy on time: Track policy expiry and renew promptly to avoid lapses and penalties.
• Use online tools and apps: Buy and renew policies online for convenience, easier claim management and a hassle-free process.

Conclusion

Choosing a bike is about more than just style; it’s about the experience, confidence and peace of mind every ride can bring. Global brands offer cutting-edge technology and performance, while Indian brands provide reliability and affordability. Whatever you choose, combining your bike with the right comprehensive bike insurance ensures you’re protected on every journey, letting you enjoy the thrill of riding without worry.

To make sure you get the best coverage for your bike, fill out the form on this page for personalised insurance advice today.

FAQs

1. Does maintaining global bikes cost more in India?

Yes, imported parts and advanced systems can be costly, but regular servicing keeps expenses manageable.

2. Can I renew my bike insurance online?

Yes, most insurers allow online renewals, add-ons and claim management for convenience.

3. Do international motorcycles give good mileage in India?

Many models are tuned for Indian roads, offering decent efficiency even for performance bikes.

4. Are spare parts for global bikes easy to get?

Common brands like Honda and Yamaha have good availability; premium imports may take longer.

Disclaimer: This blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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 this outdated information.

Updated on - 30 Dec 2025

Owning a two-wheeler in India makes getting around easier and more affordable, whether it’s commuting to work, running errands or weekend trips. But while riding can be convenient and fun, accidents, thefts or damage from natural events can happen anytime; and they can be expensive to handle on your own. Having a valid two-wheeler insurance policy protects you from these risks, saves you from unexpected financial stress and ensures you can get back on the road quickly and safely.

Consequences of not getting a two-wheeler insurance

Not having two-wheeler insurance can have major consequences, such as:

• Legal penalties: Under the Motor Vehicles Act (2019), every vehicle is required to have at least third-party insurance. If you are riding without insurance, you might be fined ₹2,000 for the first offence and then ₹4,000 for the second. In some cases, you may also face imprisonment for up to three months or both. This is a legal offence and can be added to your driving record.
• Financial losses: If you run into an accident, you will have to pay for all repairs from your own pocket. If the damage is severe, it can be extremely costly. Even worse, if someone else is injured or their vehicle is damaged, you will be liable for compensation, which can be very expensive.
• No protection against theft or natural calamities: Without two-wheeler insurance, you will not be covered if your bike is stolen, damaged due to fire, floods or other disasters. In cities where theft and natural disasters are common, this can lead to a big financial setback.
• No claim settlement support: Insurance companies also provide assistance in the claim settlement process. If you happen to have an accident, they help you get your bike repaired through authorised garages. Without insurance, you will not have any such support.
• Difficulties during roadside checks: Police and traffic authorities often carry out checks. If you are stopped and found without valid insurance, you may have to pay a fine on the spot or have your vehicle seized.

Tips to avoid getting fined

Avoiding fines for not having two-wheeler insurance is simple if you stay alert and follow the rules. Here are a few useful tips:

• Always buy or renew your insurance on time: It is important to renew your insurance before it expires. Most insurers send reminders, but it is your responsibility to keep track of the dates. Setting a reminder on your preferred device or calendar helps.
• Opt for long-term insurance: Some insurance providers offer long-term two-wheeler insurance that lasts up to three or five years. This means you do not have to worry about yearly renewals and the risk of missing deadlines.
• Keep a digital copy of your insurance: Always carry a downloadable copy of your insurance on your phone. You can also store it in the DigiLocker app, which is accepted by the traffic police.
• Choose a comprehensive insurance plan: Comprehensive insurance offers wider coverage, including own damage and theft protection. It is a better choice than only having basic third-party insurance.
• Check for No-Claim Bonus (NCB): If you renew your insurance regularly and do not make any claims, you get a no-claim bonus. This reduces your premium amount and encourages safe driving habits.

Legal requirements for bike owners

Every bike owner in India is required to have valid two-wheeler insurance under the Motor Vehicles Act, 1988 (and its 2019 amendment). At a minimum, a third-party insurance policy is mandatory, covering costs related to injury, death or property damage caused to others in an accident involving your bike.

Riders must also carry key documents at all times, including a driving licence, registration certificate and pollution under control (PUC) certificate. Failing to present these during a check can result in fines or temporary suspension of your licence.

While not legally required, a comprehensive insurance policy provides broader protection. It covers damage to your own vehicle and losses from natural or man-made events, helping reduce financial stress after an accident or repair.

Benefits of buying two-wheeler insurance

Insurance acts as a safety net and provides you with peace of mind. Here are the main benefits of buying a two-wheeler insurance:

• Mandatory coverage: As per the Supreme Court’s directive, all new two-wheelers must have a five-year third-party insurance policy. Riding without valid insurance can lead to heavy penalties.
• Protection against natural calamities: Having a two-wheeler insurance financially covers you if you face loss or damage caused by an earthquake or flood.
• Protection against man-made incidents: This means that your insurance will cover robbery and damage from road accidents.
• Legal liabilities: Mandatory third-party insurance takes care of legal and financial liabilities in case your vehicle causes injury, death or property damage to others.
• No Claim Bonus (NCB): Maintaining a claim-free record makes you eligible for discounts during renewal, reducing your future premiums.
• Cashless claim facility: You can get your bike repaired at a network garage without paying the amount upfront, as the insurer settles bills directly with the service centre.

How to choose the right two-wheeler insurance policy

Selecting the right two-wheeler insurance policy starts with understanding your coverage needs. A third-party policy is mandatory by law, but opting for a comprehensive plan offers wider protection. It covers damages to your own vehicle along with third-party liabilities, making it a more practical choice for most riders.

Before finalising, compare plans from different insurers. Look at what’s included and check the claim settlement ratio. A higher ratio indicates better reliability in case of claims.

Always consider factors like add-on covers and network garages. Add-ons such as zero depreciation or roadside assistance can make a major difference in emergencies, especially if your two-wheeler is new or an expensive model. Choosing an insurer with a wide-ranging network of cashless garages can help you get quick, hassle-free repairs without paying out of pocket.

How to renew or buy two-wheeler insurance online

Buying a two-wheeler bike insurance online is quick and convenient. You can compare different policies, understand the inclusions and complete your purchase in just a few minutes without any paperwork.

Start by visiting a trusted insurer’s website and selecting the type of coverage you need. Enter your vehicle details, such as registration number, make and model, to get an instant premium quote. Review the features and claim process before finalising. Once you’re satisfied, pay securely online to receive your policy instantly in your email inbox.

Renewing your policy also requires a few simple steps, these are:

• Visit the insurer’s official website and open the bike insurance renewal section.
• Enter your vehicle registration number and existing policy details.
• Review your coverage and add or remove any optional add-ons.
• Make the payment online by using your preferred mode.
• Your renewed policy will then be sent to your registered email.

If your two-wheeler insurance has expired, you can still renew it online by providing your old policy number and registration details. The insurer may inspect your bike before reissuing coverage due to the lapse period.

Conclusion

Owning a two-wheeler comes with freedom and convenience, but unexpected accidents, theft or damage can disrupt your life and finances. A comprehensive two wheeler insurance not only keeps you legally compliant but also provides peace of mind, protecting you from financial stress and helping you get back on the road quickly.

To ensure you choose the coverage that fits your needs and situation, get tailored two-wheeler insurance advice by filling out the form on this page.

FAQs

1. Does long-term two-wheeler insurance offer better value than annual renewal?

Long-term policies, typically for three or five years, can help avoid yearly renewals and may protect against premium hikes during the policy period. The actual value depends on the insurer and your specific plan.

2. How does the Insured Declared Value (IDV) affect claim settlements?

The IDV represents the current market value of your bike and determines the maximum claim amount in case of total loss or theft. Choosing the right IDV is important; too high can increase your premium, while too low may reduce your claim amount.

3. Can digital policy documents replace physical copies while riding?

Digital copies of two-wheeler insurance and registration certificates, stored on platforms like DigiLocker or mParivahan, are legally valid. It is important to ensure they are easily accessible on your phone while travelling.

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.