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

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

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

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

Is third-party insurance mandatory for bikes?

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

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

What are the benefits of third party insurance for bikes?

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

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

What does third party insurance cover?

Third-party insurance for bikes covers the following:

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

What does third party insurance not cover?

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

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

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

Conclusion

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

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

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

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

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

Benefits of comprehensive bike insurance policy

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

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

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

Features of comprehensive bike insurance

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

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

Who should buy a comprehensive bike insurance?

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

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

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

Factors affecting comprehensive bike insurance

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

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

Conclusion

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

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

Updated on - 30 Dec 2025

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

What is a zero depreciation add-on?

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

Difference between comprehensive policy and zero depreciation bike insurance

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

When can you avail yourself of zero depreciation bike insurance?

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

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

Factors affecting zero depreciation bike insurance premium

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

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

How to buy or renew zero depreciation bike insurance online?

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

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

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

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

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

Conclusion

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

FAQs

1. Can zero depreciation be added mid-policy?

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

2. Can you claim zero depreciation for cosmetic damage?

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

3. Is zero depreciation cover transferable to another owner?

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

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

Updated on - 27 Apr 2026

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

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

Why Saving on Insurance Premiums Can Cost Your Life Savings

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

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

How Lack of Two-Wheeler Insurance Affects You

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

Conclusion

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

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

FAQs

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

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

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

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

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

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

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

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

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

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

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

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

Important factors that affect your bike insurance premium

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

• Type of coverage

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

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

• Add-on covers

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

• No Claim Bonus (NCB)

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

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

• Anti-theft devices

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

• Anti-theft devices

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

• Voluntary excess

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

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

• Make and model

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

• Engine capacity

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

• Geographic location

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

Importance of using a calculator for bike insurance

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

Why use a calculator?

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

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

Conclusion

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

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

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

Using CNG-fuelled two wheelers to curb air pollution in Indian cities

For a nation stricken with air pollution, where millions of commuters prefer two wheelers, a sustainable and eco-friendly alternative to fossil fuels is the need of the hour. As per the International Organisation of Motor Vehicle Manufacturers (OICA) 2015 Statistics, the domestic motor vehicle sales in India between April 2015 and March 2016 was approximately 20.47 million units of which two wheelers were 16.5 million, constituting 80% of the total sales.

Another study by the Centre for Science and Environment (CSE) reveals that two wheelers account for 31% of vehicular pollution whereas four wheelers constitute 20%.

Considering the number of two wheelers on Indian roads, the total pollution caused by them is approximately 50% more than four wheelers. The search for alternate fuels for two wheelers is on a rise and Compressed Natural Gas (CNG) seems to be the road ahead.

CNG Fuelled Vehicles and their Positive Impact

A Natural Gas Vehicle (NGV) or a CNG fuelled vehicle is a vehicle that uses CNG as a cleaner alternative to fossil fuels. CNG offers several benefits over fossil fuels, such as:

• Engine parts corrode gradually with CNG than with fossil fuels
• Offers high mileage
• Almost 30% less emissions
• Cleaner emissions with an extremely low carbon content

The operational cost of CNG fuelled vehicle is 60% less than petrol and 28% less than diesel vehicles. Interestingly, replacing a diesel bus with a CNG bus is equivalent to taking 21 cars off the road. With deteriorating air quality in Indian metros, CNG fuelled vehicles are paving the way towards cleaner and reduced emissions.

Hawa Badlo

After its emergence as the world’s worst city in terms of air quality in 2014, strict measures have been adopted to improve the air quality in Delhi. Initially the odd-even formula for vehicles and now the adoption of CNG fuelled two wheelers, the national capital is committed to shed off the worst air quality tag.

Updated on 9 Dec 2025

Electric bikes are becoming popular in India because they are affordable, eco-friendly, and easy to ride. Just like regular bikes, they also need insurance to protect you from unexpected expenses.

Electric bike insurance helps cover costs if your bike gets damaged, stolen, or causes harm to others in an accident. It also saves you from paying heavy fines.

In this blog, you will learn everything about its coverage, benefits, and why it is necessary to apply for comprehensive bike insurance.

What is electric bike insurance?

Electric bike insurance is designed for e-bikes and protects key parts such as the battery and motor, along with financial risks. It provides security against accidents, theft and third-party liabilities if the bike causes injury or damage. Having a policy makes e-bike ownership safer and stress-free.

Is insurance needed for electric bikes in India?

If you own a vehicle with a 250-watt electric motor and a top speed of 25 kmph, you can use it without any motor insurance. It is up to the owner of an e-bike whether they want an insurance policy for the vehicle or not.

Why electric bikes need specialised insurance

Electric bikes need specialised insurance because they run on advanced batteries and unique technology that are expensive to repair or replace. Regular bike insurance may not cover these parts fully, so a special policy ensures better protection. It also covers risks such as battery damage, short circuits, or fire, offering peace of mind.

Types of electric bike insurance policies

The two-wheeler policies usually fall under two major categories:

1. Third-party insurance:

Third-party liability insurance is what the government has made mandatory for two-wheelers in India. If there is any accident, the other person’s hospital costs will be covered by the insurer.

2. Comprehensive insurance:

This is the most popular form of insurance for two-wheelers, including e-bikes. A comprehensive insurance policy gives you coverage against damages to third parties and for your bike.

What is covered in an electric bike insurance policy?

Here are some common things covered by most electric bike insurance policies online:

1. Personal accident cover:

You get coverage against the damage caused to you while driving an e-bike. The insurer reimburses your medical bills and the amount spent on your bike repairs.

2. Damage due to natural disasters:

If a cyclone, earthquake, hurricane, or any other natural disaster causes damage to your bike, you get compensation.

3. Man-made disasters:

If someone harms your bike as part of a theft attempt, robbery, terrorist activity, third-party damage, or vandalism, you receive coverage to fix the damage.

What is excluded from electric bike insurance?

There are a few things and incidents that the two-wheeler insurance does not cover. For instance, expenses for regular repairs are not covered. Claims may also be rejected if the e-bike is ridden without a valid licence, or in cases like theft of uninsured accessories.

Steps to buy electric bike insurance online

To buy electric bike insurance online, first visit a trusted insurance provider’s website or app. Next, enter your bike's details, such as the registration number, model and year of purchase. Choose the type of coverage you want, such as third-party or comprehensive. Finally, make the payment online to receive your digital insurance policy.

Tips to save on electric bike insurance premiums

Here are a few tips to do it:

1. Install an anti-theft device:

Insurance companies don’t mind reducing the premium if a two-wheeler is equipped with an anti-theft alarm or a similar security device.

2. Avoid making claims for minor issues:

If you don’t claim during your previous policy period, the service provider offers a discount known as No Claim Bonus (NCB) at the time of policy renewal.

3. Buy relevant add-ons:

There is no doubt that add-ons increase the benefits of your policy. But not all of them might be relevant to you and your life. Select an add-on only if the benefit it offers is useful to you.

4. Renew on time:

There’s typically a window of 90 days to renew your two-wheeler policy. After that, you won’t be able to enjoy the discount against your no-claim bonus.

5. Get your bike insurance online:

When you purchase the bike insurance online, you don’t pay anything in the form of commission to an intermediary or an agent.

Conclusion

Electric bike insurance safeguards against repair costs, theft, damage, and third-party liabilities. Electric bikes are a relatively new addition to the market and come equipped with advanced technology. Thus, having the right insurance ensures peace of mind while riding. It also helps you follow the law and avoid penalties.

By choosing a two-wheeler insurance online, you protect both your bike and your finances. Simply fill out the form on this page, explore the available plans and get access to expert assistance in choosing the right one.

FAQs

• Do we need insurance for an e-bike?

You must have insurance for all bikes, whether electric or fuel-powered, to ride legally in India.

• What does electric bike insurance cover?

It covers damages caused to others, their vehicle, or their property in case of accidents. However, a comprehensive plan will help you with the financial expenses.

• Can I buy insurance online?

Yes, you can buy insurance online after researching the companies and checking their reviews, and receive the policy immediately.

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

Updated on - 24 Apr 2026

After saving up for years, buying your own motorcycle is a big milestone. It is an exciting step, and naturally, you look forward to visiting the showroom and exploring your options. But with so many choices available, it is easy to feel unsure or even pick something that may not suit your needs in the long run.

This blog talks about how to avoid purchasing the wrong two-wheeler by focusing on the key factors you should consider before making a decision.

Tips to Avoid Purchasing the Wrong Two-Wheeler

Once you are at the showroom, you will likely be shown several options based on your requirements. With so many choices and suggestions coming your way, it is easy to feel confused or rushed into a decision.

Taking a step back and evaluating your options carefully can make a big difference. Here are a few things you should check before finalising your purchase to help you avoid buying the wrong two-wheeler.

Check Out the Ergonomics

If a bike is not comfortable, it is not the right choice for you. Try the bike at the showroom or take it for a test ride.

Check if:

• Your hands reach the handlebars comfortably
• Your seating posture feels natural
• Your feet rest in a relaxed position

Good ergonomics make a big difference, especially during long rides.

Get to Know the Seat Height

Seat height is an important factor that can affect your riding experience. Different bikes come with different seat heights, which influence how easily your feet touch the ground.

Riders of shorter height often prefer lower seats for better control. Heavier bikes may require you to place your feet flat on the ground, while lighter bikes can be balanced more easily.

With or Without Fairing?

This depends on how you plan to use the bike. Bikes without a fairing may look appealing, but they can be tiring on long rides due to wind resistance.

If you plan to ride long distances, a faired bike can make the journey more comfortable by reducing wind pressure.

Do You Travel Light?

While bikes are known for freedom and agility, luggage space can become an issue during longer trips.

Choosing a bike that supports saddlebags or additional storage options can make your rides more convenient.

Is Fuel Efficiency Your Main Concern?

Fuel efficiency is an important consideration for many buyers in India. While performance matters, frequent refuelling can be inconvenient.

A bike that offers a good balance between mileage and performance is usually a better choice.

Conclusion

Being clear about your needs and understanding where you can compromise helps you make a better decision. This is key to knowing how to avoid purchasing the wrong two-wheeler.

Along with choosing the right bike, it is also important to pick the right insurance. When buying two wheeler insurance online, take the time to understand the coverage and stay alert to misleading offers. Knowing how to avoid being sold the wrong two-wheeler insurance and how to avoid purchasing fraudulent two-wheeler insurance online can help you avoid issues later.

It is important to choose carefully, even for a basic third party bike insurance policy.

FAQs

1. Why is it important to research before buying a two-wheeler?

Doing a bit of research helps you understand what you actually need, compare different options, and avoid making a quick decision you might regret later.

2. What factors should be considered before buying a two-wheeler?

Think about what matters most to you, like comfort, seat height, mileage, how you plan to use the bike, and how much it will cost to maintain.

3. How can a test ride help in choosing the right two-wheeler?

A test ride lets you see how the bike feels in real conditions. You can check the comfort, handling, and overall ride quality before making a final decision.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

With the help of the multi-year insurance policies for two wheelers, consumers can save their money and effort

With an exponential rise in the number of vehicles, the probability of accidents rises. Insurance is like a backup instrument that protects us against the losses in the event of an adversity. As per the Motor Vehicle Act, 1988, insurance is mandatory for vehicles.

General Insurance Council has estimated that 60% of motor vehicles running on the Indian roads are not insured. In the year 2015-16, India had approximately 19 crore registered vehicles out of which only 8.26 crore were insured.

A Penny Saved Is A Penny Earned

The premium payable and sum assured does not change during the course of a multi-year policy. The consumer can save up to 20-40% on the premiums as these policies do not revise the rates each year. In multi-year insurance policy, making a claim does not necessarily mean that the NCB will fall down to zero.

Consumers could get up to 40% NCB in a multi-year insurance policy at the end of 3 years, compared to 35% in a single-year policy. Apart from that, some Insurance companies offer surprise discounts on purchase of a multi-year insurance policy.

Avoiding Chaos of Compliance Every Year

Vehicle Inspection during the time of renewal is a headache for many. Multi-year insurance policy frees you from it. As the two-wheeler is insured for three consecutive years, consumers do not have to worry about carrying the documents with them to renew their policies.

Third Party Liability Insurance

A third-party bike insurance policy is mandatory by law and those caught riding without it can be fined ₹2,000 or imprisonment up to 3 months, or both. The third party cover protects you from legal liability for damage or loss caused to a third party person/property. A multi-year insurance policy offers relatively lower prices if the consumer wants to opt for it.

So you wanna buy a bike. Pre-owned, you say. It's gonna save you some money. Addition to this, you should also buy a two wheeler insurance to cover yourself against any unforeseen circumstances. Cool. You start checking online and magazine ads to find a few interesting options. Great. What next? You set out to buy one. Neat! Not quite. Here are tips; checklist, if you please, to help you buy a good deal.

1. Do some research.

Keep your "sixth-sense," gut-feeling" and "intuition" locked away while you prepare to buy a pre-owned bike. Do some fact finding about the model you wish to buy. What kind of reputation did the model have, what were the major design flaws in it, if any, and any other facts about it that you should know before you check out the bike at the owner's.

2. Check the bike out. Thoroughly.

Make two checks. An overall cosmetic check should be done to look for inconsistencies in paint, scratches, identifying crash signs and cracks in the plastic. Then make a thorough examination of the bike. It's always better to get a bike-savvy friend along. And a flashlight. Look for leaking fluid, rust, especially in the fuel tank, continuity of the cables, condition of the chain and sprocket and cracks in the wiring. Put the bike on centre-stand and look at it from the centre. Look for symmetry. This gives an indication of whether the bike was involved in a crash. Also check tire wear.

Motorbikes are a valuable possession and a daily necessity. But no matter how careful you are, scratches and minor damage can happen. From parking in tight spaces to small accidents or even bad weather, scratches on your bike are common. This leads to a question: Can insurance be claimed for bike scratches?

Knowing how insurance works in such cases is important. Not every scratch or dent is serious enough to warrant an insurance claim. Let us find out more about insurance claims from this blog.

Benefits of not claiming insurance for minor issues

You can claim insurance even for bike scratches, but it depends on the type of insurance cover you have. If you have comprehensive bike insurance, it usually covers both major and minor damages, including scratches, dents and other small repairs. However, if you only have a third-party insurance policy, you cannot claim damages to your own bike. While it is tempting to raise a claim for every scratch or dent, especially if you have comprehensive insurance, there are some clear benefits to avoiding insurance claims for minor damage.

• Protecting your No-Claim Bonus (NCB)

No-Claim Bonus is a discount you receive on your premium for not raising any claims during the policy period. If you raise a claim for a small scratch, you may lose this benefit, which could lead to higher premiums later. Over time, the NCB can significantly reduce your insurance costs, so it is often better to preserve it by not claiming for minor repairs.

• Avoiding higher premiums

When you make a claim, insurers may see you as a high-risk customer. This can result in higher premiums during your next renewal. For minor damage that costs less than your expected premium increase, it makes more sense to pay out of pocket.

• Deductibles and out-of-pocket costs

Most insurance policies have a deductible, which is the amount you must pay before the insurer covers the rest.

• Faster and simpler repairs

When you handle minor repairs yourself, the process is much quicker. There’s no paperwork, no waiting for claim approvals and no inspections. This can save you time and effort when the damage is very small.

When should you raise an insurance claim?

While it’s usually better not to raise a claim for small scratches, there are times when using your insurance makes sense. You should consider raising a claim when:

• The damage is serious

If the scratches are deep and part of a larger accident or if they affect important parts like the fuel tank or engine casing. In such cases, the cost of repairs can be high and your policy can help reduce your financial burden.

• The repair cost is much higher than the deductible

If the cost of fixing the damage is far more than your deductible amount, you should raise a claim.

• You are not at fault

In cases where another party caused the damage and you have comprehensive insurance, you can raise a claim. It will not affect your NCB. Always inform your insurer and provide necessary proof, like pictures or a police report if needed.

• The damage affects the look or resale value of the bike

Sometimes, even scratches can reduce the resale value of your bike. If your bike is relatively new or if you are planning to sell it soon, you might want to get the repairs done through insurance to restore its appearance properly.

Alternatives to raising claims for minor scratches

If you decide not to claim insurance for bike scratches, there are a few practical options to consider.

• DIY repair kits:

Small scratches can often be fixed with do-it-yourself scratch removal kits. These affordable kits are available online or in local stores. They usually include polishing compounds and cloths that can make minor scratches nearly invisible.

• Local garage services:

Visiting a trusted local mechanic or body shop is a good choice for minor repairs. The costs are often low, and you can avoid paperwork and delays. Some garages even offer touch-up services that match your bike’s paint perfectly.

• Professional detailing:

If you want the bike to look like new but don’t want to file a claim, a professional detailing service can help. While more expensive than DIY options, it still may cost less than losing your no-claim bonus.

• Ignore minor damage:

Sometimes the best option is to simply ignore small scratches, especially if they do not affect the bike's performance or safety. Motorbikes used daily will naturally show signs of wear and tear over time, and most riders expect a few blemishes.

Conclusion

Insurance can be claimed for bike scratches, but it depends on your type of insurance. If you only have third party bike insurance, then scratches to your own bike are not covered. Only a comprehensive policy allows you to claim for such minor damage. However, just because you can claim it doesn't always mean you should. Choosing not to raise a claim for small scratches has several benefits.

On the other hand, when the damage is significant or repair costs are high, raising an insurance claim can be the right decision. Always weigh the cost of the repair against your deductible and think about the long-term impact on your insurance premiums.

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

Updated on 27-03-2025

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

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

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

How to Download Bike Insurance Policy Document Online?

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

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

How to Download ICICI Lombard Bike Insurance Copy Online? 

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

Through the Policybazaar.com 

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

• Go to “My Policies” 

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

Through the ICICI Lombard Website

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

Through the ICICI Lombard Chatbot (RIA)

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

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

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

Other Methods to Obtain Your Policy Document

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

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

FAQs 

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

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

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

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

• Is a digital insurance copy valid for claims?

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

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

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

Conclusion 

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

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

What is the Electric Vehicle Policy of India?

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

What is the FAME scheme?

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

What are the features of this scheme?

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

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

Updated on - 28 Apr 2026

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

Let us discuss how to calculate a bike's mileage and how to do it in easy steps.

How to Calculate the Mileage of a Bike?

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

• Fill up the tank.
• Begin by filling your bike’s fuel tank to its maximum capacity. Record the total amount of fuel you have added in litres or gallons.
• Note the odometer reading.
• Take note of the current reading on your bike’s odometer. This shows the total distance your bike has travelled.
• Ride and refill.
• Start riding your bike as you normally would, keeping track of the distance covered. When you need to refuel, note the amount of fuel you add and the odometer reading.
• Calculate the distance travelled.
• Determine the distance covered during that ride by subtracting the initial odometer reading from the final. For example, if the initial reading was 500 kilometres and the final one was 550 kilometres, the distance travelled would be 50 kilometres.
• Calculate mileage.
• Divide the distance travelled by the amount of fuel consumed.
• Average it out.

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

Formula for Calculating Bike Mileage

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

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

Calculate the mileage using the formula:

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

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

Factors Affecting Mileage of a Bike

Several factors affect your bike's mileage. These are:

1. Weight: The overall weight of your bike affects its mileage. Unnecessary add-ons, large horns, and other accessories increase a bike's weight and reduce mileage.
2. Aerodynamics: If the bike can cut through the airflow efficiently and reduce pressure on the engine, it is bound to have better fuel efficiency and better mileage.
3. Tyre Type: The size of the tyre and its air pressure impact bike mileage. Low pressure and large size can significantly reduce your two-wheeler's mileage.
4. Gears: Gears are an important part of any vehicle. Changing gears more frequently increases fuel consumption and reduces efficiency, resulting in lower mileage. Continuously using the bike in high gears also results in low fuel efficiency.
5. Fuel: The quality of the fuel used also impacts bike mileage. High-octane fuel provides more mileage. Contaminants in the fuel can reduce the bike's performance and lower fuel efficiency.
6. Bike Maintenance: Keeping bike parts, such as chains and tyres, clean is essential for fuel efficiency. Also, check the two-wheeler for oil leaks or minor damage that may hurt its performance.
7. Fuel Tank: Filling the tank fully or leaving cracks in its cap unrepaired may cause fuel to spill or leak, affecting fuel efficiency.
8. Acceleration and Braking: Your bike's mileage may be reduced substantially if you overuse the accelerator and brakes. Learn to ride a two-wheeler efficiently across different terrains to resolve this issue.
9. Weather and Land Conditions: Extremely hot or cold weather can impact the bike’s fuel consumption. Similarly, riding a two-wheeler on difficult terrain, such as mountains, may increase fuel consumption and reduce efficiency.

Tips for Maintaining Good Mileage on Your Bike

Here are some tips to help you maintain your bike’s mileage:

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

The importance of good two wheeler insurance in maintaining your bike's overall health cannot be overstated. Always choose a policy that provides comprehensive coverage to keep your bike in top condition.

Conclusion

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

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

FAQs

1. How often should I calculate my bike’s mileage for accurate results?

Calculate the mileage of your bike over multiple fuel fills to consider varying riding conditions and get a realistic average. This means you need to do it at least 2/3 times in a month to get accurate results.

2. Does riding style impact bike mileage?

Yes, your riding style does affect your bike mileage. If you ride aggressively with accelerations and hard braking, your bike's mileage will suffer. On the other hand, if you ride smoothly and keep a steady speed on your bike, you will get better mileage over time.

3. Can regular servicing really improve fuel efficiency?

Routine servicing ensures optimal engine performance, proper lubrication, and clean components, all of which contribute to better fuel efficiency and consistent mileage.

4. Is it possible to manage bike insurance online along with tracking bike performance?

Yes, many online platforms offering bike insurance also provide digital tools and reminders to help you track maintenance schedules, renew policies, and stay updated on your bike’s overall condition.

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

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

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

Keeping Tyre & Brakes in Check

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

Fluids and Oil Levels

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

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

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

Traffic lights rules: Green, yellow and red light

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

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

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

Fine for jumping red light in different states

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

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

What happens after you get caught breaking traffic rules?

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

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

How to pay challan online?

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

Online process

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

Offline process

If you prefer to pay in person:

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

Tips to avoid breaking a red light

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

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

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

Conclusion

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

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

Updated on 15 Nov 2025

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

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

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

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

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

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

Total displacement = 4 x 471 cc = 1884 cc

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

How does CC affect engine performance?

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

1. Power and speed

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

2. Fuel efficiency

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

3. Comfort and usage

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

4. Maintenance

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

Cubic Capacity (CC) categories in two-wheelers

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

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

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

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

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

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

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

How does CC impact bike insurance premiums?

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

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

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

For a single-year policy

Bike's Engine Displacement Size

Premium

Below 75 cc

Rs 538

Between 75-150 cc

Rs 714

Between 150-350 cc

Rs 1,366

Above 350 cc

Rs 2,804

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

Conclusion

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

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

FAQ

• Does higher CC always mean more speed?

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

• Which CC bike is best for beginners?

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

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

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

• Can I modify my bike to increase CC?

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

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

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

Types of Bikes in India

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

• Motorcycles without Gear

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

Advantages

• Easy to ride
• Low maintenance
• Affordable

• Street Bikes

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

Advantages

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

• Sports Bikes

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

Advantages-

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

• Dirt Bikes

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

Advantages-

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

• Cruiser Bikes

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

Advantages-

• Powerful performance
• Stylish make
• Comfortable for long rides

• Touring Bikes

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

Advantages-

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

• Scooters

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

Advantages-

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

Why Buy Bike Insurance Online?

The benefits of buying bike insurance online are listed below:

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

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

FAQs

1. What is the most popular bike in India?

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

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

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

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

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

3. Are dirt bikes legal on Indian roads?

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

4. Is scooty safer than a bike?

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

5. Are bigger bikes safer?

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

Conclusion

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

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

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

Things That Can Make Your Bike Insurance Void

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

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

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

1. Bike Modifications

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

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

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

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

2. False Claims

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

3. Fleeing the Site of the Accident

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