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.

Updated on - 03 Feb 2026

Riding a bike on Indian roads comes with risks, and accidents can happen even when you’re careful. If your bike accidentally causes damage or injury to someone else, dealing with the legal and financial consequences can be stressful and confusing. Third-party bike insurance policy is mandatory by law and can help protect you from these burdens.

This guide explains how third-party insurance works, why it matters and the steps to claim it if you are involved in an accident.

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 their vehicle causes death, bodily injuries or property damage to an unknown third party. Simplify, if an insured vehicle is involved in an accident and causes financial loss or damage to a third party, the insurance provider covers the legal expenses.

Importance of third-party bike insurance under the Motor Vehicles Act

The mandatory third-party insurance covers legal liabilities 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 of third-party death or injury, the insurer may provide compensation as per policy terms and tribunal decisions.
• 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.
• 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.

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

What is covered by third-party insurance?

Third-party bike insurance provides financial protection if your vehicle causes damage to another person, their vehicle or property. It may cover the cost of repairing or replacing the third party’s property or vehicle and medical expenses if they are injured. In case of a third-party death, the policy may provide compensation to their family as determined by the Motor Accident Claims Tribunal (MACT).

This policy does not cover damage to your own bike or injuries to you as the policyholder. Its main purpose is to ensure the affected third party receives fair compensation, reducing your financial and legal burden.

Note: This is indicative. Please read the policy wordings for the complete list of inclusions/exclusions.

How to file a third-party insurance claim?

Filing a third-party two-wheeler insurance claim can be complex. The claim is processed only if the claimant can demonstrate that the owner or driver of the insured vehicle was at fault. A special tribunal court decides whether the insurer should pay compensation and the amount.

Steps to follow:

1. Click photographs or record videos of the damage.
2. Note the registration details of the vehicle involved, and if possible, its insurance and contact details.
3. Collect contact details of any witnesses.
4. Register an FIR at the police station, providing exact accident details.
5. File a case with the Motor Accident Claims Tribunal (MACT) with the help of a lawyer, submitting all documents, photos, videos and witness statements.

The tribunal court will then determine the compensation amount, if any, to be paid by the insurer.

Things to remember while filing the claim

The tribunal court may reject a claim if it is not found valid. Keep the following points in mind when filing a third-party insurance claim:

• Do not leave the accident spot immediately.
• Take clear photos and videos of the damage before moving the vehicles.
• Be honest and accurate; avoid exaggerating the incident.
• Seek medical attention promptly for any injuries.
• Avoid monetary settlements at the scene; follow legal procedures.
• Collect as much evidence as possible to support your claim.
• Be patient throughout the process and cooperate with authorities.
• Ensure all documentation is complete and accurate for the claim.

Third-party insurance claims are often complex and time-consuming, and the claim settlement ratio can be low. Proper evidence and documentation are crucial for the tribunal court to assess your case.

Documents required for claiming third-party insurance

Submitting the correct documents is crucial when filing a third-party bike insurance claim. Essential documents include:

• Duly filled and signed claim form: Initiates the claim process.
• Copy of the police FIR: Provides an official record of the incident; mandatory for claims.
• Insurance policy document: Serves as proof of coverage.
• Driving license copy: Of the person using the bike at the time of the accident.
• Registration Certificate (RC) copy: Verifies ownership and registration details.
• Repair estimates or bills: Required if there is property damage.
• Medical reports and bills: Needed for bodily injury claims.
• Witness statements: Help support your claim if available.
• Photographs or videos of the accident scene: Substantiate the circumstances.
• Stamp (for commercial vehicles): May be required for claims involving commercial bikes.

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

How insurers settle third-party claims: Role of the Motor Accident Claims Tribunal (MACT)

When a third-party claim is filed, insurers follow a legal process to ensure the victim receives fair compensation. The affected third party must file a case with the Motor Accident Claims Tribunal (MACT), a special court for such disputes.

The MACT reviews evidence, including the FIR, witness statements and medical or repair bills, to assess the extent of damage or injury. Based on this assessment, the tribunal decides the compensation amount. The insurance company then releases the payment directly to the claimant or via the tribunal’s process.

This process ensures compensation is awarded objectively and protects both the policyholder and the third party under the Motor Vehicles Act.

Difference between third-party and comprehensive bike insurance

Although both have their own uses and benefits, a third-party and comprehensive two wheeler insurance differ greatly:

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

Why you should regularly renew your bike insurance policy

Renewing your bike insurance on time keeps your vehicle legally compliant and financially protected. An active policy helps you avoid fines, penalties or legal complications if your bike is involved in an accident.

Timely renewal may also help retain benefits such as the No Claim Bonus (NCB), which rewards safe, claim-free driving with discounts on future premiums. Missing the renewal date can lead to policy lapse, loss of NCB and the need for a fresh vehicle inspection before reactivation.

Regular renewal also allows you to reassess your coverage and upgrade your plan if needed, such as switching from third-party to comprehensive coverage or adding riders like zero depreciation or roadside assistance for enhanced protection.

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

How to choose the right bike insurance policy for better coverage

To choose the right bike insurance policy, first understand your coverage needs. A third-party policy is mandatory under Indian law but only covers damage caused to others. For broader protection, consider a comprehensive policy, which covers both third-party liabilities and your own vehicle against accidents, theft or natural calamities.

Compare plans from different insurers, taking into account claim settlement ratios, network of cashless garages, your bike model and premium rates. Carefully review policy inclusions and exclusions to avoid surprises during claims.

Consider add-ons like zero depreciation cover, roadside assistance and engine protection for additional security. Choosing a trusted insurer and renewing on time ensures continuous protection and peace of mind on the road.

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

Conclusion

Third-party bike insurance is more than a legal requirement; it’s a safety net that protects you from unexpected financial and legal burdens. Timely renewal and choosing an insurer with a reliable claim settlement record ensures you can ride with confidence and peace of mind.

Protecting yourself and your bike doesn’t have to be complicated. For personalised guidance on choosing the right two-wheeler insurance, including third-party or comprehensive two wheeler insurance plans, fill out the form on this page and get tailored advice that suits your needs.

FAQs

1. Can third-party bike insurance cover damage to my own vehicle?

Third-party insurance generally covers only damage caused to another person or their property. Coverage for your own vehicle may require a comprehensive policy and can vary by insurer. It’s important to read your policy wording carefully to understand the exact coverage.

2. How long does it take for a third-party claim to be settled by MACT?

The settlement time can vary depending on the complexity of the case, supporting documents and tribunal proceedings. Some claims may take a few months to resolve after verification and hearings.

3. Is it possible to upgrade from third-party to comprehensive insurance mid-policy?

Upgrading from third-party to comprehensive may be possible at renewal, depending on the insurer’s terms and requirements. It’s best to check with your insurer, as they may require a vehicle inspection or additional documentation.

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.

As per a UNICEF report, India has more road accident casualties than in any other part of the world. In India, a road accident happens every minute, and every four minutes, a person dies in an accident.

Accidents may happen because of anyone’s negligence and can damage you both physically and financially. Ensuring your two-wheeler is a smart choice for Indian roads. Not only is it mandatory by law, but also it is your responsibility towards yourself. Apart from financial losses in an accident, a two wheeler insurance will provide coverage from losses incurred in natural and manmade disasters.

A checklist of benefits to evaluate the effectiveness of your two wheeler cover

Knowing about the benefits and details of your two-wheeler insurance is important to make the most of the coverage.

Types of two wheeler insurance

Depending on the nature of losses and the party insured, two-wheeler insurance can be classified into:

• Third party liability (TPL) cover: This cover has been mandated by the Indian Motor Vehicles Act (1988) and provides cover to any person other than the owner, injured in an accident.
• Own damage cover: This cover protects the owner against any damage to their two-wheeler arising due to accident or theft.
• Personal accident cover: This cover offers compensation on death or permanent disability, along with reimbursement of accidental hospitalisation expenses.

Checklist of benefits

Before you buy a comprehensive two wheeler insurance, here is a checklist of benefits that you should look for:

• Long term insurance: This prevents you from the hassles of annual policy renewal, offers exciting discounts on premium and insulation from an annual rise in third party premium.
• Online purchase: Online insurance purchase removes middlemen and the payments made are processed through secured payment gateways.
• Cashless service: Insurers these days have a vast network of garages all over the country where you can make easy cashless claims.
• Co-passenger cover: Several insurers offer a personal accident cover for co-passengers as well.
• Renewal discount: Many insurers provide a discount on policy renewal for no claim during policy term.
• Convenience of payment: Almost every insurer offers net banking and mobile banking facilities these days.
• 24 X 7 Assistance: Ensure that your insurer provides 24 X 7 call and online chat support.

Add-ons and renewal

Apart from basic coverage, insurers provide a host of exciting add-ons such as:

• Zero depreciation: To ensure you get the full amount of all your damages irrespective of the depreciation of your two wheeler’s parts.
• Garage cash: To take care of your daily commute expenses when your vehicle is in the garage for repair or maintenance.
• No claim bonus: A bonus awarded at the time of policy renewal if you stay safe and do not file a claim in your policy term.
• Roadside assistance: It covers assistance like towing, flat tyre, minor repairs etc.

Insurers will send timely reminders once your policy approaches its termination. You can use their mobile app or website to renew your policy and pay via net banking and credit or debit cards.

How adequate is your two wheeler cover?

With a clear understanding of benefits of two wheeler insurances, you can now easily evaluate your policy. In case you feel it is not adequate, you can buy a new one instead of renewal or opt for add-ons. New buyers must evaluate their policy against the above checklist of benefits before buying it.

Sections to check in your policy document

Your bike insurance policy document holds crucial details. Don’t miss these sections:

• Coverage summary: Confirms what is and isn’t covered
• IDV (Insured Declared Value): This is the current value of your vehicle
• Add-ons included: Lists extra benefits you've paid for
• Exclusions: Some damages or situations that your policy does not cover.
• Claim process: How to file a claim, required documents and timelines
• Renewal date: Set reminders to avoid lapses in coverage

Frequently Asked Questions

• Is third-party bike insurance enough?

Third-party bike insurance is legally required, but it does not protect your own bike. A comprehensive policy is more adequate for real-world protection.

• What is the ideal IDV for my bike?

The IDV should reflect your bike's current market value. Too low, and claims will be underpaid; too high, and you’ll overpay premiums.

• Can I switch from third-party to comprehensive mid-policy?

You will need to wait until renewal or cancel the current policy for an upgrade. Check with your insurer for the process.

• Are add-ons worth the extra cost?

Yes, especially if you ride long distances or live in high-risk zones, add-ons such as zero depreciation cover can be quite useful.

Conclusion

Bike insurance is your shield against the unpredictable. While third party bike insurance meets the minimum requirement, it doesn’t offer holistic protection. By reviewing your coverage with the checklist above, exploring add-ons and understanding your policy document, you can ensure you're riding safely and securely.

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.

The two-wheeler industry is the biggest segment of the Indian auto industry. It has more than 80% market share and is continuously growing at a rapid pace, posting double-digit growth last year. This is a mixed bag for the two wheeler segment in the country. It is good because the upswing is a relief to the two-wheeler industry, which last saw this kind of growth way back in 2012 and bad because 25% of total road crash deaths happen on two wheelers.

These startling statistics can be greatly reduced with the help of assistive technology, which has already made its way into cars but is yet to make a mark in the motorcycle and scooter landscape. Here is how this technology can be utilised in the two-wheeler segment.

What is assistive technology in bikes?

Assistive technology in bikes refers to innovative systems and devices designed to prevent accidents and improve overall road safety. These technologies incorporate sensors, artificial intelligence and automated systems to provide real-time alerts and assistance to riders. Some common assistive technologies for two-wheelers include:

• Anti-lock Braking System (ABS): Prevents wheels from locking up during sudden braking, reducing skidding and enhancing control.
• Traction Control System (TCS): Helps maintain stability by adjusting power delivery to prevent wheel slip on slippery surfaces.
• Collision Detection Systems: Uses sensors and cameras to warn riders about potential obstacles or collisions.
• Blind Spot Monitoring: Alerts the rider about vehicles or objects in their blind spots and reduces the risk of side collisions.
• Adaptive Headlights: Adjusts the beam direction based on the bike’s movement, improving visibility in curves and low-light conditions.
• Smart Helmets and Wearable Tech: Includes features like Bluetooth communication, crash detection and emergency SOS alerts.

Benefits of assistive technology for accident prevention in two wheelers

The integration of assistive technology in two-wheelers offers multiple benefits, including:

• Enhanced rider safety

Distraction is one of the foremost reasons for serious road accidents. Studies show that incoming messages and calls are one of the primary reasons for driver distraction. Even taking your eyes off the road for a short duration can result in a tragedy, and the adoption of hands-free telephony is not a solution. That is because when you are talking, the focus is more on the conversation rather than the road.

Moreover, many riders only remove their phones to check who is calling and then decide what to do next. The solution to this can be the implementation of Bluetooth hardware to the telematics device, which communicates with the rider’s phone and reads out the number to a Bluetooth headset-enabled helmet. This assistive technology will inform the rider about the urgency of the call and then he can take the necessary action accordingly. As the telematics device can be equipped with motion sensors, it can also disallow the call to be picked up before the bike is stopped.

Another aspect of driver distraction is the person riding with him – the pillion. Due to high levels of noise pollution, it is normal for the rider to turn his head to speak to the pillion rider. In doing so, he takes his eyes off the road for a few seconds, which can prove fatal. Here, Bluetooth-enabled helmets can prove useful, as they will establish a link of communication between both, without any distraction.

• Reduced accident rates

Fatigue is a factor that gives rise to error in judgement, leading to harmful consequences. A way to stop this from happening can be by listening to your favourite music, which can be streamed to a Bluetooth-enabled helmet. This will ensure that you are attentive and not drifting off to sleep. While this may not be ideal for city commutes, it can be helpful in long-distance travel, which is synonymous with fatigue, bringing down the accident rates considerably.

• Emergency response and post-accident assistance

In an accident, emergency response becomes extremely crucial, especially within the first ten minutes. Therefore, a safety telematics device can be a lifesaver in emergencies, when equipped with proper technical accessories such as cellular modem, accelerometers and GPS. In the event of an accident, it can be used to send notifications to the victim’s emergency contacts increasing the chances of accessing immediate help and survival.

• Improved visibility and awareness

Blind spot monitoring, adaptive headlights and smart helmets improve a rider’s situational awareness, ensuring they can react quickly to potential hazards.

• Financial protection and lower insurance premiums

A comprehensive two wheeler insurance with safety devices is a must have on Indian roads to protect you from accidents and serious injuries. It will not only cover damages to the third party but also cover for your own financial losses. Insurance providers often offer discounts for vehicles equipped with safety-enhancing technology.

FAQs

1. How does assistive technology improve road safety for two-wheelers?

Assistive technology provides additional protection to the bike and the rider, ensures road safety by providing real-time alerts, improves control over the vehicle and prevents potential accidents through advanced braking and monitoring systems.

2. Can assistive technology reduce two-wheeler insurance costs?

Yes, insurance providers may offer discounts on comprehensive two-wheeler insurance if the bike is equipped with safety features like ABS, traction control and collision detection systems.

3. Is ABS mandatory for two-wheelers?

In many countries, ABS is mandatory for bikes above a certain engine capacity, as it significantly reduces braking-related accidents and improves road safety.

4. Does assistive technology work in all weather conditions?

Most modern assistive technologies are designed to function efficiently in various weather conditions. However, riders should still exercise caution and adjust their riding style based on road and weather conditions.

Conclusion

Assistive technology in two-wheelers is becoming popular worldwide for its innovative solutions for concerns of rider safety and overall protection of the vehicle. While technological additions to your bike are important, it is equally crucial to pair it with comprehensive two-wheeler insurance that provides complete security in case of any mishap.

Riding a bike provides a sense of freedom that is beyond words. It is also one of the most convenient modes to commute, relieving you from traffic snarls and erratic public transport. So, if you are willing to learn how to ride a bike, this article is the one for you.

These simple instructions will teach you basic bike riding tips and will prepare you to get your own driving licence.

How to Ride a Bike as a New Rider?

To become a seasoned rider after getting your bike, you need practice and patience. After learning the basics of the two-wheeler, you can move to handle the bike.

Step 1: Get Familiar with Bike Controls

Before you start your bike, it is important to know about the various parts of your two-wheeler.

• Clutch lever: It is typically found on the left side of the handlebar. The function of the clutch lever is to engage power to the engine.
• Throttle: Located on the right handlebar grip, it is similar to the accelerator of a car. Used to control the power sent to the rear wheel.
• Gear shift lever: This is usually a pedal on the left side in front of the footrest for the rider. It is needed to shift up or down one gear at a time.
• Brake levers: The rear brake pedal is located near the right foot peg of the rider whereas the front brake lever is on the right side of the handle-bar in front of the throttle.
• Ignition switch: Often located on the right side of the handlebar beneath the throttle, it is pressed once to start the motorcycle engine.
• The dash: The remaining parts of the dash consist of a speedometer, tachometer, and the indicator signals used for turning left or right.

Step 2: Start the Bike

Now that you’re familiar with the controls, it’s time to fire up the engine and ride your bike! To do this, first turn the key to the ON position and shift to the neutral gear. Then, pull the clutch in and press the ignition switch. You will see that the tachometer rises to idle engine speed.

Step 3: Practice with the Clutch

Now, use the clutch lever carefully to move your bike. First, pull the clutch lever in and use your left foot to shift down to the first gear. Then, slowly release the clutch lever and gradually roll on the throttle. Now, the bike will start moving. In case you stall the bike, shift to neutral and repeat the above process.

Step 4: Shifting Gears

It’s time now to change your gears and increase the speed of your bike. The first gear is usually for starting the motorcycle and slow-speed manoeuvring. To change gears, roll off the throttle, pull the clutch lever in, and firmly shift the lever up. Now, slowly release the clutch and roll the throttle simultaneously. Follow similar steps by pressing the lever downwards to bring down the gears.

Step 5: Braking

This is a very important bike riding tip and one that is necessary to stay safe. You may need to stop the bike suddenly or come to a halt at a red signal. Simply roll off the throttle and pull the clutch lever in, and gradually squeeze the front and rear brakes simultaneously. Remember to downshift the gears when required while you are using the brakes.

Safety Measures While Riding a Bike as a Beginner

The first thing you need to do is acquire a learner’s licence before you can start learning to ride a bike. So, check the minimum age requirement in your state and apply for it at your nearest Regional Transport Office (RTO).

1. Purchase safety equipment like helmets, gloves, leather jackets, sturdy boots, and eyeglasses before taking on the challenge.
2. Always follow the traffic rules.
3. Do regular checkups for your bike and all its components, especially before a long journey.
4. Remain focused while driving and do not drink and drive.
5. Avoid using your phone and do not have long chats with the passengers.
6. Having bike insurance is a must, as it protects you from financial stress in case of an accident.

FAQs

1. How long it takes to learn to ride a bike?

The basics of bike riding can be learned in a few hours, after which it takes several weeks of practice to ride the two-wheeler effortlessly and confidently.

2. Do I need a licence to ride a bike?

Yes, you need a driver’s licence and registration for your vehicle to ride the bike.

3. What are the best bikes for beginners?

Lightweight bikes with an engine power of 150 to 250 cc are recommended for beginners.

Conclusion

Always wear the safety equipment while riding a two-wheeler and maintain safe distance from other vehicles. No matter how many precautions you take, there is always an element of risk while riding. Secure your bike with the best two-wheeler insurance policy, which not only secures your finances from natural or man-made disasters but also provides accidental coverage for drivers and pillion rider. 

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 Insurance Regulatory and Development Authority has devised a three-year version of the mandatory third-party liability cover and it has encouraged companies to come up with policies that cover the vehicle.

"We are definitely interested in filing a long-term product. In two-wheeler segment there are a large number of owners who forget to renew their policy after the first year and a long-term cover will help reduce the number of uninsured vehicles on the road," said G Srinivasan, chairman, New India Assurance. He added that besides long-term two-wheeler insurance, the company was keen on launching similar policies for cars.

In a circular to all general insurance companies, IRDA said that the total premium for third-party insurance would be thrice the annual premium and it cannot be changed during the tenure of the policy. "The authority is also conscious about the fact that there is a need of long-term comprehensive (own damage plus third-party) cover also. Insurers are encouraged to file 3 year term comprehensive policies as per file and use guidelines," said IRDA.

Opting for only a third-party two-wheeler insurance might appear cost-effective, but will it go a long way? It won’t. When buying insurance for your two-wheeler, always opt for comprehensive coverage to help you in the long run.

Additional covers or add-ons to supplement their basic two-wheeler coverage and make it more useful for the buyer. These add-ons can be easily availed at an additional premium, the cost of which depends on your basic coverage and the features you want.

Benefits of buying two wheeler add-ons

Here are some of the exciting benefits that two wheeler add-ons provide:

• Roadside assistance: Minor breakdowns while riding a two-wheeler can be irritating and sometimes leave you helpless. Most insurers offer a roadside assistance facility that will rescue you from minor breakdowns at the convenience of a call.
• Cashless garages: Most insurers have tie-ups with several garages across the country. You can always reach out to these network garages, and all your repair costs will be paid by the insurer.
• Spare parts replacement: Almost every time, it is you who have to pay for your two-wheeler’s aging or damaged spare parts after an accident. However, if you opt for this additional cover, your insurer will take care of these expenses.
• Accessories protection: If you like to add fancy electrical and non-electrical accessories to your two-wheeler, you'd better shield them with an additional cover. Any damage to these accessories will be taken care of by your insurer.

Add-ons that you can buy with your two wheeler insurance

Below are some of the add-ons that you can buy with your two wheeler insurance at a little extra premium:

• Pillion cover: A two-wheeler accident is equally fatal for both the rider and the pillion. Therefore, a pillion cover will provide accidental cover for the passenger against any unfortunate incident.
• Zero depreciation cover: Every time, it’s the two-wheeler owner who ends up paying for depreciation or replacement of spare parts. A zero depreciation bike insurance cover will cover the cost of spare parts, including rubber and plastic components of your two-wheeler after an accident.
• Medical cover: High medical expenses after an accident can easily drain all your resources. Therefore, you need a cover that takes care of all the costs of medical treatment after an accident.
• Accessories cover: The cost of such accessories can be very high, and any damage to them will badly affect you. An accessories cover protects your two wheeler from all sorts of such damages.

An accident is the worst unfortunate event to expect, yet there are several least expected events that can be equally resource-draining. Apart from the basic coverage, these add-ons protect you from all likely accidental expenses and are your keys to smoother and worry-free rides.

Which add-on cover is the best for you?

The best add-on cover for you can be selected based on your riding habits, the area where you live and the age of your bike.

• New bike owner? Go for zero depreciation cover and return to invoice.
• Live in flood-prone or high-risk areas? Add engine protection and roadside assistance.
• Frequent long rides? Consider roadside assistance and NCB protector.
• Looking for maximum savings in claims? Combine zero depreciation, engine protection and consumables cover for complete peace of mind.

Choosing the right add-on is about balancing cost with coverage. And when you purchase two wheeler insurance online, most platforms allow you to compare and customise these options easily.

Frequently Asked Questions

• Can I buy add-ons with third-party insurance?

No. Add-ons are only available with comprehensive policies. Third party insurance covers only damages to third parties and doesn’t allow custom add-ons.

• Are two-wheeler add-ons expensive?

The cost of each add-on varies, but they are usually affordable and cost-effective compared to the potential expenses you might face without them.

• Is zero depreciation cover useful for old bikes?

This add-on is most beneficial for new or nearly new bikes. For older bikes, the value may reduce due to depreciation, so assess its relevance before adding.

• Can I add these covers later after buying insurance?

Some insurers allow mid-term inclusion of add-ons, but it is best to include them while buying or renewing your two wheeler insurance online.

Conclusion

While basic third party insurance is mandatory, it does not provide complete protection. Add-ons bridge that gap by offering enhanced, tailored coverage to suit your lifestyle and riding habits. When buying two wheeler insurance online, it is worth exploring these add-ons and customising your policy accordingly.

Ultimately, add-ons are not just about spending more, they are about investing in peace of mind. Choose wisely, ride smart and ensure your policy works as hard as you do to protect your bike and your journey.

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.