The sun shines brilliantly and a warm breeze blows into your face. You feel the rush as you zoom through space and adrenaline begins to pump in. The pure, unbridled joy of defying the wind. It is summer and time to hit the road!

As the temperatures soar and as the ride gets longer, dehydration, drowsiness and disorientation could creep in. You sure do not want to spoil the fun by being ill-prepared for a summer ride. Read on to ensure a safe and pleasant experience.

Biker's essentials for summer ride

Before embarking on a summer road trip, ensure you have these essentials:

First off, Dress to Impress

Well, not so much as impress as to help you stay protected and comfortable in the sun and dirt.

• Make sure your arms and legs are fully covered. Look out for a comfortable and stylish biker jacket that has a durable and stretchable Lycra /mesh net fabric that will allow your clothes to breathe!
• Wear a cotton t-shirt under the jacket. This can soak the sweat and dry off easily. A pair of rugged full-length jeans is ideal to protect your legs from the heat and provide extra protection from the gravelly tracks.
• Prevent your face from drying up with a balaclava and use a bandana to soak the sweat under your helmet.
• Opt for a strong ISI approved helmet that fits well so you are at utmost comfort while riding. Your helmet should have adequate cushion, grooves for ventilation and sturdy straps to keep it in place.

Get those Boots High Up

Wear the right shoes, preferably ankle-length boots having a good rubber sole. These will protect your legs and feet from burning against the hot metal fenders. For general safety while riding, make sure your shoes have no laces. Your socks can be higher than your boots.

Gloves On, Grip Tight

Gloves provide a good grip. Although you can choose a lightweight pair for summer, make sure they are padded enough to provide protection in case of abrasion. Opt for a pair of chic aviator sunglasses that offer effective UV protection and cover your eyes completely so that you can avoid dust and sweat from entering your eyes.

Motorcycle Tank Bag for Keeping the Tank Cool

Having the essentials in place, you can now go for the good-to-haves. While you are enjoying the ride with cool wind in your face, you do not want your tank to overheat. Motorcycle tank bags cling on to the tank with straps or magnets and keep the tank protected from additional heating.

Be Visible at all Times

When the temperatures are rising, even the best of motorists can lose focus. Ensure your safety by wearing bright colours and fixing reflectors on your two-wheeler.

With all items in your list checked, rev up your motorcycle and enjoy a splendid ride. Also don't forget to buy a suitable bike insurance policy to secure your bike.

Insurance and documentation

Having valid two-wheeler insurance is crucial to protect against any unforeseen incidents. A comprehensive two-wheeler insurance offers extensive coverage, including accident damage, theft, and third-party liability. Always carry necessary vehicle documents such as RC and driver’s license for a hassle-free ride.

Important tips for riding a bike in the summer season

1. Plan Your Ride Smartly

• Avoid riding during peak heat hours (12 - 3 PM) to reduce sun exposure.
• Plan regular breaks in shaded areas to rest and hydrate.

2. Wear the Right Fabric

• Choose moisture-wicking, breathable fabrics to stay cool and comfortable.
• Avoid heavy, dark-coloured clothing that absorbs heat.

3. Stay Hydrated

• Drink water regularly to prevent dehydration.
• Avoid excessive caffeine or sugary drinks, as they can lead to dehydration.

4. Monitor Your Bike’s Temperature

• Check coolant levels and avoid aggressive acceleration to prevent engine overheating.
• Park in shaded areas when taking breaks to reduce heat buildup.

5. Be Aware of Road Conditions

• Summer heat can soften asphalt, affecting tyre grip.
• Watch out for tar patches, which can become slippery in extreme heat.

FAQs

1. Why is comprehensive two-wheeler insurance important for summer rides?

Comprehensive two-wheeler insurance offers extensive coverage, including accident repairs, theft protection, and third-party liability. This ensures you are financially safeguarded against unexpected mishaps during your summer trip.

2. How can I prevent heat exhaustion while riding?

Wear lightweight, ventilated gear, stay hydrated, take frequent breaks, and avoid riding during the hottest day.

3. What to do if the bike overheats?

Bike overheating is a common issue with long rides during summer. You should pull over safely, turn off the engine, and let the bike cool down. Also, check the coolant level and radiator. You should check the bike regularly to avoid any major issues while on the road.

4. Is it necessary to wear a jacket in summer while riding?

A properly ventilated jacket will protect you from injuries, sunburns and dehydration, making it an important part of your summer riding gear.

Conclusion

A bike ride during the summer can be exciting for many. However, the summer heat can easily cause dehydration or overheating of the motorcycle, putting a dent in an otherwise enjoyable ride. It is important to prepare beforehand with the correct gear, carry enough water, especially during a long ride and ensure that the bike is regularly checked for any issues. Additionally, having comprehensive two-wheeler insurance provides peace of mind, protecting you from unexpected situations.

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. 

Motorbike lovers unite! And history buffs. And auto nerds. And headline hawks. Scroll below for answers to some of your more pertinent questions regarding motorbikes! From lockdown effects to online two wheeler insurance – we’ve got your answers!

Which motorcycle helmet to buy?

Which helmet you buy depends on how frequently you use your bike and your budget. While picking out gear for yourself, your mantra should be: safety over swagger. Purchasing everything on your list, all at once, can be tricky not to mention expensive. To ensure that your protective riding gear is complete you can divide your purchases according to the nature/frequency of your rides. If your rides mostly comprise daily commutes, the first thing you should tick off on your list is a helmet that doesn’t compromise on safety but isn’t OTT either. To say, that you require a good helmet is an understatement. Invest in one that’s built of lightweight material, fits snugly, is equipped with soft cheek pads and helps to reduce wind resistance. A pair of gloves, one with good cushioning is also a good addition to your gear. If you’re an avid biker who likes to go on biking tours or even frequent long drives, you’re going to need a few more things than just gloves and helmet. Invest in good rider boots, jacket, waterproof gloves and helmet that’s equipped with Bluetooth.

Also read: Tips for choosing your next motorcycle boots

Will motorcycle prices drop after lockdown?

We saw this question coming a mile away! We can’t outright answer in the affirmative only because there are several factors to consider here. First is the regulation around BS6. It’s now compulsory for manufacturers to make and sell BS6 compliant vehicles which also carry a heavier price tag. But back in April, the government had given the auto-industry a ten day reprieve, post the first phase of lockdown, during which they could sell their BS4 outfitted inventory. Most manufacturers jumped at this opportunity and offered BS4 bikes at really attractive prices. Is this likely to happen once more? Difficult to say at this point of time. Keep in mind that auto manufacturing suffered heavy losses during the lockdown.

Second, most people reliant on public transport will be less likely to go back to it once office spaces open up. They will look for more personal modes of transport like a car or bike. But with the economy in doldrums at the moment, everyone’s spending power is greatly constrained. This could mean that auto manufacturers, wanting to make the most of consumer sentiment, lower their prices. But if easy financing for purchases is available this might not happen. The best thing to do at the moment is watch, wait, and if you really do want to buy a two wheeler, keep the health of your finances in mind.

Updated on - 09 Feb 2026

Riding a bike gives you freedom, thrill and convenience. However, it also comes with its fair share of risks. Thus, safety should never take a backseat. Anti-lock Braking System (ABS) is one such safety technology that is designed to reduce accidents. ABS prevents wheel lock-up during sudden braking, helping riders maintain control and avoid skidding. With highway conditions and traffic becoming increasingly unpredictable, understanding ABS and its benefits can make a significant difference in your safety.

How does ABS work?

During an emergency braking situation, the wheels can lock, resulting in the skidding or falling over of the motorcycle. ABS functions in an anticipatory role. It has electronic sensors to detect locking before it actually occurs. So, when the biker actually applies the brakes, ABS can kick in and apply the right amount of brake pressure.

This results in maximising the performance of the braking system. Thus, the bike can slow down without having to lose traction. An anti-lock braking system can reduce stopping distance and prevent skidding.

List of bikes with ABS

Several manufacturers offer bikes equipped with ABS to enhance rider safety. Below are some popular ABS-equipped motorcycles in India:

Entry-level bikes with ABS

• Bajaj Pulsar 150 ABS
• TVS Apache RTR 160 4V ABS
• Honda Hornet 2.0

Mid-range bikes with ABS

• Yamaha R15 V4
• KTM Duke 200
• Royal Enfield Classic 350

Premium bikes with ABS

• Kawasaki Ninja 650
• BMW G310R
• Suzuki Hayabusa

What are the benefits of having ABS in your bike?

Before investing in a new two-wheeler, it’s worth understanding why ABS is more than just a technical feature. It offers multiple advantages that enhance safety, control and overall riding confidence.

Reduction in stopping distance

Using ABS can significantly reduce stopping distance. At 80 km/hr, a bike without ABS may travel 30 meters after braking, while an ABS-equipped bike stops 3 meters sooner. Moreover, it maintains tyre traction, preventing skidding during hard braking. Even a meter can be the difference between safety and collision. Choose ABS for a safer and stress-free ride.

Better control

ABS helps bikers maintain control during emergency braking by preventing skidding and allowing the bike to stop in a straight line. Without ABS, traction can be lost, increasing the risk of tumbles or crashes, especially in challenging weather conditions.

Prevent stoppie

ABS helps prevent unintended stoppies by providing controlled and gradual braking. The system regulates brake pressure through the hydraulic mechanism, allowing the tyres to maintain traction even on slippery roads. Riders receive mild feedback via the brake lever, helping them adjust braking force and avoid skidding, tumoring or loss of control. This ensures safer emergency stops and greater stability during sudden braking situations.

ABS vs non-ABS bikes: key differences

When choosing a new bike, one of the most crucial decisions is whether to go for a model with ABS or without it. Here are the key differences you must know:

Is ABS mandatory by law in India?

Yes, ABS is mandatory for all new bikes and scooters in India with an engine capacity of 125cc and above. This rule, implemented by the Ministry of Road Transport and Highways (MoRTH) in April 2019, aims to enhance road safety and reduce the risk of accidents caused by sudden braking. For two-wheelers below 125cc, manufacturers must offer at least a Combined Braking System (CBS) to ensure better braking control.

Common myths about ABS debunked

Here are some common myths about ABS (Anti-lock Braking System) and the truths behind them:

Myth 1: ABS shortens braking distance in all conditions

Fact: ABS prevents wheel lock-up, but braking distance may slightly increase on loose surfaces like gravel or sand. Its main purpose is control, not shorter stops.

Myth 2: Skilled riders don’t need ABS

Fact: Even experienced riders can misjudge braking in emergencies. ABS assists in maintaining control during sudden stops, regardless of skill level.

Myth 3: ABS makes braking completely safe

Fact: While ABS improves stability, it does not guarantee complete safety. Riders still need to maintain safe speeds and proper braking techniques.

Myth 4: ABS requires frequent maintenance

Fact: ABS systems are designed to be low maintenance. Regular servicing during routine bike check-ups is usually sufficient.

Myth 5: ABS is only useful in wet conditions

Fact: ABS enhances safety in all conditions—wet, dry or uneven roads—by preventing skidding and helping the rider maintain steering control.

How to maintain the ABS in your bike?

The following are a few simple yet important ways to maintain the ABS in your bike and ensure it functions effectively:

• Regular servicing: Schedule periodic bike servicing to have the ABS sensors and wiring checked by professionals for dust, dirt or loose connections.
• Check brake fluid levels: Maintain the recommended brake fluid level, as low or contaminated fluid can affect ABS performance and braking efficiency.
• Clean wheel speed sensors: Dirt or mud on the ABS sensors can interfere with signal transmission. Keep them clean, especially after riding in wet or dusty conditions.
• Inspect brake pads and discs: Worn-out pads or uneven discs can compromise braking response and affect the ABS system’s ability to function smoothly.
• Avoid tampering with the system: Never modify or disconnect ABS components on your own. Any changes should only be handled by an authorised technician.
• Keep an eye on the ABS warning light: If the ABS light on your dashboard stays on, get it checked immediately, as it could indicate a malfunction that needs expert attention.

Cost implications: Is ABS worth the investment?

While bikes with ABS may cost slightly more upfront compared to non-ABS models, the added safety and long-term savings make it a worthwhile investment. It reduces the risk of skidding, accidents and costly repairs by ensuring better control during sudden braking. Moreover, it can help you save on medical expenses and bike insurance premiums in the long run. It is because insurers often view ABS-equipped bikes as lower risk. Hence, considering the safety, stability and peace of mind it provides, ABS is not just an optional feature; it is a smart and valuable investment for every rider.

Real-life scenarios where ABS can save your life

ABS can make a significant difference in real-world riding situations where quick reactions and stability are crucial. Here are a few examples:

• Sudden obstacles on the road: When a dog or a pedestrian suddenly crosses your path, ABS prevents the wheels from locking up during hard braking. This allows you to maintain control and steer safely.
• Wet or slippery surfaces: On rainy days or oily roads, ABS helps prevent skidding by modulating brake pressure automatically. This reduces the chances of losing balance.
• Unexpected turns or curves: If you brake suddenly while leaning into a curve, ABS ensures controlled deceleration without throwing the bike off balance.
• Gravel or uneven roads: ABS helps maintain stability on rough or gravel roads, especially during downhill rides or emergency stops.
• Panic braking in traffic: In congested traffic, where sudden stops are common, ABS ensures shorter and safer braking distances without wheel lock.

Conclusion

Conclusively, ABS is not just a technological upgrade. It is a vital safety feature that can significantly reduce the risk of accidents and enhance your confidence on the road. No matter where you are riding, city traffic or on open highways, ABS ensures better stability and control during sudden braking. While it may add slightly to the bike’s cost, the safety and peace of mind it offers make it a worthy investment.

While you take the effort to ride safely and maintain your bike in top condition, let us take the effort to protect you financially in case of unexpected mishaps. Get tailored bike advice on third-party bike insurance and solutions by filling out the form provided on this page.

FAQs

1. Is ABS mandatory for all bikes in India?

According to government regulations, all two-wheelers above 125cc must have ABS. Bikes below 125cc can have a Combined Braking System (CBS).

2. Does ABS reduce braking distance?

ABS primarily prevents wheel lock-up and enhances control. While it may slightly increase braking distance on dry surfaces, it significantly reduces stopping distance on slippery roads.

3. Does ABS affect two-wheeler insurance premiums?

Yes, some insurers may offer discounts on comprehensive two-wheeler insurance for ABS-equipped bikes, as they are considered safer.

4. Can ABS be installed in a non-ABS bike?

Technically, yes, but it is expensive and not recommended, as bikes are designed with specific braking systems in mind.

5. Is ABS useful for city riding?

Yes. ABS is beneficial for city traffic, where sudden braking is common due to unpredictable movements by vehicles and pedestrians.

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.

If you are a bike riding enthusiast, you must have dreamt about freely roaming in the magnificent landscapes of the Himalayas on your two-wheeler. You can embark on a journey of new experiences, and unleash the adventurer in you, that can seldom be done otherwise. You could have already started feeling the pump of adrenaline in your blood!

This article is all about discovering some of the best motorcycle routes in the Himalayas that will immediately beckon the rider in you. Here’s our lowdown of some of the must-experience Himalayan motorbike tours that will leave you with a bucket-full of adventurous experiences:

1. 1. Motorbike tour in Ladakh




A tour to Ladakh is one of the most desired fantasies among the bike-riding fanatics in India. It is one of the most popular destinations among the adventure seekers, riding on their two-wheelers. Challenging circuits combined with the beauty of mountains have attracted the tourists from all over the world. The one thing that is sure to pump up the adrenaline is the unpredictability of the rocky terrain.

Add to them the glimpses of Tibetan culture, monasteries and nomadic tribes, and your motorbike tour will turn into something magical. You can explore numerous routes in this region to have a breath-taking experience, like Manali to Ladakh, Srinagar to Manali, Chandigarh to Ladakh and back, or you could simply take a flight to Leh and indulge in short motorbike trips within Ladakh.

2. 2. A tour in Spiti Valley




Just like Leh, Spiti valley in Himachal Pradesh is another very popular destination for the adventure seekers, who are driven by the wanderlust. The motorcycle circuit is full of scenic towns and villages that will totally mesmerize you. You can take various adventure-filled routes to Spiti from Shimla, Kaza, Chandratal, Manali and back which will take you through lush-green orchards, aromatic apple gardens, and impromptu waterfalls amid the spellbinding mountain peaks.

You will fell in love with the immense cultural diversity of the area and a wide range of wildlife found here. You can stroll in the untouched landscapes and even come face to face with animals like snow leopards, griffon, red foxes, ibexes, and bearded vultures.

3. 3. Motorcycle ride from Sonmarg to Kargil




After Leh and Spiti, a drive to Sonmarg is one of the most challenging yet pleasing tours, even for the hardcore bike riders. It will take you through the narrow winding roads along a gushing water stream. You can admire the lush green meadows and stop by the sides to have a cup of hot tea. You will come across the famous Zozilla pass, which gets washed away by heavy rainfall every year.

Once across, you ride on to Drass, rated as the second coldest inhabited place in the world. You can also take a stop to pay your tributes to the real heroes of the infamous Kargil war of 1999. The narrow lanes and rugged terrains without a black top will surely test your riding skills.

4. 4. A ride to the Nubra Valley




A motorcycle ride to the Nubra valley can be one of those landmark events of your riding life. Here, you’ll get to ride to the world’s highest motorable pass, the Khardung La situated at 17,582 ft. This is the highest point you can reach via a motorcycle on this planet. Be sure to cherish the moment before you leave the pass to ride down on the other side.

You can now cross over to the beautiful Nubra valley, riding through some of the highest altitudes. You can grace the lovely view of the organic farm fields and the famous Hunder sand-dunes. Additionally, you can plan a night-stay at this beautiful place to observe its culture and the scenic beauty from close quarters and even get engaged in some local desert sports.

5. 5. Motorbike tour to Mustang, Nepal




The motorbike tour to Mustang in Nepal can be the classic bike adventure tour that you’re craving for. It has been luring the rookie as well as pro-bikers from different parts of the world for quite a long time. On the way, the roads are really picturesque and the entire route is capable of giving you perpetual goose-bumps. You can even spot some regional wild animals while riding through the magnificent Annapurna range.

While these adventurous bike tours will revitalise your body, mind and soul, you also need to be wary about the threats and dangers associated with it. Since the weather conditions in these areas can be unpredictable and harsh at times, remember to pack accordingly. Also, make sure to protect yourself and your bike against any unforeseen situations with a comprehensive two-wheeler insurance plan which offers complete financial security for the motorcycle and its rider.

Whether you are a new rider or a seasoned motorcyclist, knowing the essential bike riding skills can make every journey smoother, safer and more enjoyable. Riding a bike is not just about balance and throttle, it is about being alert, responsive and confident on the road. In India, where traffic can be unpredictable, honing your riding skills is even more critical.

It is vital to master some other essential bike riding techniques other than basic ones to ensure a smooth and safe ride. So, what are these bike riding tips that further elevate your experience? Let’s find out.

Basic bike riding skills

Every rider should begin their journey by mastering the core skills that lay the foundation for safe and responsible biking. Here are some basic bike riding skills to focus on:

• Balance and control

Balancing your motorcycle is the first thing you need to get right. Practice slow riding and controlled stops to develop stability and composure in traffic or tight spaces.

• Clutch, throttle and braking coordination

Learn to smoothly coordinate the clutch and throttle to avoid jerks and stalling. Similarly, understand how to use both front and rear brakes effectively without skidding.

• Proper riding posture

Sit in a good posture and keep a proper grip on the bike handles. This not only enhances control but also reduces fatigue during long rides.

• Turning and cornering

Start with wide turns and gradually progress to sharper cornering. Maintain a steady speed and look in the direction of the turn to guide the bike naturally.

• Basic traffic awareness

Understanding traffic signals, hand gestures, and lane discipline is crucial. Being aware of your surroundings is just as important as handling the bike itself.

• Use of mirrors and indicators

Always use mirrors and indicators to check and indicate your intentions while riding. This ensures safety for you and fellow riders on the road.

Mastering these basics also lowers the risk of accidents, something that is not only good for your safety but also helps in keeping two wheeler insurance premiums low due to a good riding history.

Advanced bike riding skills

Apart from basic skills, you must know the art of advanced braking, taking sharp turns and reading the hand signals.

• Advanced braking techniques

Before riding a bike, you were probably instructed to wrap all four fingers across the throttle and apply only the front brakes when the throttle was closed. While this is fine when you are just learning to ride or are in a parking lot, the situation is vastly different on roads.

While riding a bike on a busy road, you must have observed how difficult it is to cover the front brake with all the four fingers when the situation demands applying them soon. In such a scenario, you need to master the art of applying brakes with only two fingers, allowing you to shorten the reaction time, should the need arise for the same.

Advanced braking techniques also entail applying brakes when you roll off the throttle. You need to practise the art of blipping the throttle for downshifts while maintaining consistent pressure on the brakes. It is also essential to note that learning advanced braking techniques while riding a bike is not only limited to the front brake. It also includes learning the deft art of using the rear brake with prudence.

• Situational awareness

Situational awareness means being alert while riding and constantly looking out for potential hazards. These may include animals or humans or other vehicles coming across unexpectedly, sudden change of traffic light to red and even the road itself.

Often while riding bikes, people use mobile phones or talk with the pillion rider. All such activities affect concentration and can lead to an accident. Thus, while riding, make sure to keep a hawk’s eye on the road. It will not only make your journey safe but also prevent loss of life and property to a great extent.

• Mastering the art of turning at sharp turns

This is one of the most essential bike riding tips that’s often ignored. Turning your bike at sharp turns requires skill and the challenge compounds multi-fold if the space is small. Often while riding a bike on hilly terrains, riders encounter sharp turns too often. If you don’t practice well-enough, it can lead to a mishap.

Note that while turning, you also have to manage the accelerator and keep it smooth. While taking such turns, ensure you turn your bike at a 90-degree angle and look ahead. Often most riders make the mistake of looking down while turning, which is an absolute no.

While doing so, extend the elbow away from your body. This prevents the elbow from cramping and gives you more space to take a turn.

• Reading hand signals

Though every two-wheeler is equipped with headlight, taillight and indicators, among others, that help you to communicate while riding, it may not always attract the type of attention you seek. You must know their limitations and must be adept at reading hand signals that are often used to communicate.

Proper communication through hand signals also aids other motorists to read and recognise your intentions more accurately. It not only increases your visibility but also enhances safety and confidence while riding.

Conclusion

Apart from mastering these skills, before hitting the road, ensure that you have all the required papers at your disposal. Most importantly, you must have a valid driving license and a third-party two-wheeler insurance cover mandated by the law, failing which can attract a stiff penalty.

Also, it is important to have a comprehensive bike insurance policy that provides a 360-degree coverage against financial losses arising due to natural and man-made calamities, including floods, earthquakes, theft, riots, etc. Once you have all of them in place, you can be sure of riding safely and happily!

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

In its efforts to tackle rapidly increasing air pollution in the country, the government of India is planning to run only electric vehicles on the roads by 2030. It has launched a series of policy measures and incentives to promote electric two-wheelers and hybrid cars in the country. It will not only pave the way for cleaner air but also help check the country’s burgeoning oil import bills.

So, as we gear up to embrace complete electric mobility in the upcoming years, automobile manufacturers have also decided to ride this ecological wave and launch many electric vehicles in the upcoming years, replete with modern features and technology. A major portion of these are electric two-wheelers which are already finding increased adoption in India, thanks to their negligible refuelling prices and zero maintenance charges as compared to those running on fossil fuels.

Here is a list of some of the top upcoming electric scooters and motorbikes in India that are due to be launched in 2019:

1. 1. Honda PCX

The makers of top-selling scooters in India like Activa and Aviator, Honda showcased its all new electric scooter named PCX at the Auto Expo 2018. It comes with a new innovative design language that provides a stylish and premium feel to the vehicle. The LED lightning at front, full-digital instrument console, and the sporty alloy-wheels gives it the appeal of a maxi-scooter.

The scooter will pack Honda’s own electric motor with two detachable batteries termed as ‘Honda Mobile Power Pack’ under the seat for enhanced range. The detachable batteries will provide both the options to the user, that of swapping the batteries or charging them at a station. The scooter which is expected to be launched in the latter half of the year should be priced between Rs.1 to Rs.1.2 lakh.

2. 2. TVS Creon

TVS has now come up with an electric scooter named Creon. You can get TVS bike insurance from ICICI Lombard. As seen during the Auto Expo of 2018, it looks striking with its sharp and futuristic design. Visual bits like diamond cut alloys, stylish front apron, sharp tail-end LED lights makes it look more appealing. It also packs a number of features such as cloud connectivity, riding modes, parking assist, GEO fencing and anti-theft mechanism.

The scooter derives its power from a 12 kW electric motor that allows it to accelerate from zero to 60 kmph in only 5 seconds. Also, the engine is efficient enough to run for a distance of about 80 km on a single charge. Again, we are expecting a price tag of around Rs.1 lakh to Rs.1.25 lakh when it makes to the final production model.

3. 3. Hero Duet Electric

One of the largest two-wheeler manufacturers in India, Hero has showcased its tried and tested Duet scooter but in an all new electric version. The design and components draw many similarities from the petrol version of the vehicle. The engine can churn out close to 5 kW power and 14 Nm of maximum torque which is sufficient for a two-wheeler.

The scooter will be capable of reaching 60 kmph in just 6.5 seconds. The company has also revealed that the scooter is efficient enough to cover the distance of about 65 kilometres on a fully charged battery. This e-scooter from the Hero MotoCorp is expected to come with a launch price of Rs.75,000, an attractive choice for price-conscious buyers.

Updated on - 09 Feb 2026

Riding a two-wheeler comes with its share of risks, such as accidents or theft. Having the right insurance coverage gives you peace of mind on every ride. However, your policy may need to change over time as your vehicle, needs or circumstances evolve. Updating or changing your two-wheeler insurance ensures your coverage remains relevant and adequate.

Whether you have changed your bike, are seeking to upgrade your policy or change insurers, learning how to modify or change your two-wheeler insurance online is essential.

Types of two-wheeler insurance policies

The common types of two-wheeler insurance policies available are given below.

1. Comprehensive bike insurance policy: It covers theft and damage to your bike due to accidents, natural calamities and certain man-made disasters. Additionally, it includes third-party liability coverage, protecting you against legal and financial obligations if you cause injury or property damage to others. This type of policy safeguards your bike and your finances, making it ideal for riders seeking complete peace of mind.
2. Third-party liability policy: This is a legally mandated policy under the Motor Vehicles Act 1988. It does not cover damage to the insured vehicle but protects against liabilities arising from injuries to third parties or damage to their property.

When can you change your two-wheeler insurance policy?

 Below are some situations when policyholders can change their insurance policies.

At the time of renewal

An insurance policy is a contract that lasts for a stipulated time. When this period is over, you can choose a different contract offered by the same insurer or opt for a different insurance company. If you choose a different insurer, your No Claim Bonus (NCB) will be retained if applicable.

Within the policy period

It is not highly recommended that you change your insurance policy during the policy period. If you decide to do so due to dissatisfaction with the current insurer, make sure you inform your insurance provider and cancel the policy by following the due process. Before riding the bike, ensure you obtain new motor insurance.

New ownership of your two-wheeler

If you sell your two-wheeler, you must transfer the insurance policy to the new owner, as insurance policies are for specific vehicles. This is necessary to avoid legal complications.

Lapsed two-wheeler insurance policy

You can either opt to renew the lapsed policy with the existing insurance provider or obtain new insurance from a different insurer. If you’re switching insurance companies, you may lose any accumulated No-Claim Bonus (NCB) from your previous policy if there’s a significant gap between the old and new insurance.

Renewal

You can also change your two-wheeler insurance when your policy is due for renewal. You can switch to a better plan with the same insurer or choose a different insurance company. Make sure you compare the plans and select the one that aligns with your preferences.

Benefits of changing your two-wheeler insurance policy

Changing your two-wheeler insurance policy can bring several advantages. The key benefits include:

• Better coverage at lower premiums: Switching your policy to a new insurer after carefully comparing available options can help you find a plan that offers more protection at a competitive price, ensuring your bike is well-covered.
• Adequate compensation: Updating your policy ensures it reflects the current market value of your bike, helping you receive sufficient compensation in case of damage or theft.
• Improved claim experience: Choosing a reliable insurer can make the claim settlement process smoother and faster, providing peace of mind during stressful situations.
• Customised protection: Changing your policy allows you to tailor coverage according to your needs and riding habits, offering more personalised insurance solutions.

How to change a two-wheeler insurance policy online?

Before you change your two-wheeler insurance online, it is crucial to conduct thorough research and compare different insurers and their policies. Additionally, it is critical that you understand the policy terms, deductibles and coverage provided. After in-depth research, you may follow the given steps to change your two-wheeler insurance policy online:

1. Visit the insurer's website: Go to the relevant website and create an account if you’re switching to the insurer. If you’re simply upgrading coverage or changing plans with your current insurer, log in to the insurance company’s website with your existing account.
2. Choose policy: After logging in, locate the section that offers renewal, upgrade or quotes. Select the required policy.
3. Provide information: If you’re switching to a new insurer, you’ll need to provide the details of your vehicle, claims history, current insurance details and more. Ensure all personal information you provide is correct.
4. Upload documents: The insurer may require you to upload relevant documents like the vehicle’s Registration Certificate (RC), your driving licence and the previous policy details.
5. Make the payment: Proceed to the payment section and pay the necessary amount. You may have to upload ID proof for verification.
6. Review policy: After successful payment, the insurer will typically send a policy document with all relevant details, like the policy number, premium, expiry date and more. Verify all details and request corrections if necessary.

Documents required for changing two-wheeler insurance

Before changing your two-wheeler insurance, ensure you have all the necessary documents ready for a smooth process.

• Existing insurance policy copy
• Vehicle registration certificate (RC)
• No Claim Bonus (NCB) certificate
• Valid ID proof
• Vehicle details

Impact of policy change on no claim bonus (NCB)

When you switch to a new insurer without any claims in the previous policy period, most insurance providers allow you to transfer your accrued NCB to the new policy. However, failing to provide the NCB certificate from the previous insurer or missing deadlines may lead to loss of this benefit. Maintaining proper documentation ensures you continue to enjoy premium discounts earned through claim-free years.

How to compare two-wheeler insurance policies before changing?

Before changing your two-wheeler insurance policy, it’s important to compare all available options carefully. If you’re upgrading from a third-party cover to a comprehensive policy, check the additional protection offered, such as own-damage cover, personal accident cover and add-ons like zero depreciation or roadside assistance.

When switching insurers, compare premium costs, claim settlement ratios, renewal benefits and customer service reputation. Also, review exclusions and NCB transfer options to ensure continuity of your rewards. Using online comparison tools can help you evaluate multiple policies side by side, making it easier to choose the plan that best balances affordability and complete protection for your bike.

Important things to consider while changing your two-wheeler insurance policy

Here are some things you should remember when changing your two-wheeler insurance policy.

• Do not change your insurance policy on a whim. Thoroughly research different plans and coverage available before making a decision.
• Do due diligence when switching to a new insurance company. Their reputation, credibility, claim settlement ratio, customer reviews and the quality of customer service are important factors to consider.
• Read the policy document carefully before signing any policy documents.

Conclusion

In conclusion, changing your two-wheeler policy online is a simple, convenient and time-efficient process. Compare options, select a policy that better suits your needs and ensure uninterrupted coverage for your bike. Remember to evaluate your coverage requirements carefully and retain benefits like the No Claim Bonus (NCB) during the switch for maximum value.

If you are searching for the right two-wheeler insurance online , let us help you find the ideal one. Fill out the form on this page, and our insurance expert will provide tailored advice to help you buy the right policy.

FAQs

1. Is it possible to renew two-wheeler insurance online?

Yes, you can renew your insurance policy online by visiting the insurer's website and making the necessary payments.

2. Is it safe to renew insurance online?

Yes, it is safe to renew your insurance online. Most reputable companies have a secure payment gateway.

3. Can I update my insurance policy?

Yes, you can update your insurance policy by visiting the insurer's website or getting in touch with an agent from the company.

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 6 Jan 2026

In India, riding and owning a two-wheeler provides a sense of freedom and convenience.  However, it also comes with certain risks. Each year, many bike riders are involved in road accidents that might lead to disabilities, injuries and even fatalities. In such situations, the financial strain on the rider’s family can become quite severe.

This is where the Personal Accident (PA) cover under the two wheeler insurance makes a difference. It works as a financial safety net for the rider and their family, and also helps them manage expenses linked to loss of income, medical treatment and other unforeseen costs that might take place after an accident. In this blog, you will gain insights into what personal accident cover for bikes is, why it’s important, and how you can purchase and claim it to ensure proper protection for you and your loved ones.

What is personal accident cover?

A personal accident cover is a two-wheeler insurance cover that provides compensation to the owner of the vehicle or dependents in case of accidental injury or death. Many insurers provide personal accident cover for two-wheelers as an add-on cover to their bike insurance policy. The cover is meant to enhance protection in case of an accident and can be bought by paying a small sum as a premium.

Importance of personal accident cover

In many towns and cities across India, two-wheelers remain one of the most popular and convenient modes of transport. However, compared to enclosed vehicles, they may expose riders to a higher risk of serious injury in the event of an accident. Without the right insurance protection, such incidents can have a lasting impact, including a loss of income, high medical expenses and emotional and financial strain on the rider’s family.

A personal accident cover can help ease these challenges. It offers timely financial assistance if something unfortunate happens, ensuring that the rider’s family is not left financially vulnerable.

Is personal accident cover mandatory for two-wheelers?

According to the Motor Vehicles Act 1988, it is necessary for all two-wheelers to have third-party insurance. Over the years, with the rising number of road accidents involving bikes, the government also made it compulsory for riders to have personal accident cover. So, is personal accident cover mandatory for bike insurance? Yes, the rules now state that the personal accident (PA) cover is mandatory for the owner-rider.

A few changes were made to these rules in 2019, which are given below:

• Personal accident coverage is necessary for all two-wheelers, whether you already have third-party or comprehensive bike insurance.
• In case of permanent disability of the vehicle owner during a mishap, personal accident coverage offers compensation of up to 15 lakh rupees.
• If you have an existing personal accident coverage, you do not need to purchase a separate coverage for riding a new bike. The same plan can provide coverage for both vehicles.

Cover under PA in bike insurance

The personal accident cover in the bike insurance plan usually includes the following:

• Permanent total disability: If the policyholder suffers a permanent disability due to an accident, they might receive 100% of the sum insured.
• Loss of two limbs or sight of both eyes: This condition also qualifies the policyholder for 100% of the sum insured.
• Loss of one limb or sight of one eye: The rider can receive 50% of the sum insured.
• Accidental death: In the event of the policyholder’s death due to an accident, the family can receive 100% of the sum insured.

How can you buy personal accident cover in bike insurance?

Follow these steps to purchase a personal accident cover for your two-wheeler insurance:

• Visit the website of your preferred insurer or insurance broker.
• Choose the two-wheeler insurance option.
• Enter details such as the bike’s make, model, registration number and the owner or driver’s information.
• When add-ons are displayed, select the Compulsory Personal Accident Cover (PA Cover) option.
• Pay the premium securely online using UPI, net banking or your debit/credit card.
• Once payment is complete, download or receive the policy document. Make sure it clearly mentions the personal accident cover and the sum insured.

How to claim personal accident cover in bike insurance online?

If an unfortunate incident occurs, you may file a claim under your personal accident cover by following these steps:

• Inform your insurance provider about the accident as soon as possible.
• File an FIR at the nearest police station and collect medical reports in case of injury or a post-mortem report in case of death.
• Fill in the claim form carefully and attach all required documents, such as the bike’s registration certificate (RC), driving license, death certificate and other relevant documents.
• Submit the completed form either online or physically, depending on your insurer’s process. The insurer will verify your claim before approving it.
• Once approved, the payout will be credited to your bank account.

Do note that failure to comply with the policy terms and conditions may result in claim rejection.

Tips to maximise your personal accident cover in bike insurance

To maximise the benefits of your personal accident cover in bike insurance, it is important to ensure that all the information provided at the time of purchase is correct and up to date, as any errors can affect the claim process. Make sure the sum insured is sufficient for your financial needs and consider increasing it if your responsibilities or income have grown.

Practising safe riding habits is equally crucial. Always wear protective gear and avoid risky behaviour, such as riding under the influence or without a valid licence, as such actions can lead to claim rejection.

Lastly, review your policy regularly, especially at the time of renewal, and update the coverage if you purchase a new bike or if your circumstances change, ensuring continued and adequate protection.

Factors that affect personal accident cover premiums

Several factors may influence how much you pay for your PA cover:

• Sum insured: A higher sum insured usually results in a higher premium. The Insurance Regulatory and Development Authority of India (IRDAI)-mandated premium for a standard ₹15 lakh cover is minimal but may vary slightly among insurers.
• Risk factors: Your age, location, riding habits, bike model and occupation can all impact the premium.
• Add-ons or extensions: Including additional cover for pillion riders or extending the cover beyond the basic own-driver protection can increase the premium.
• Existing cover: If you already hold a PA cover for another vehicle, some insurers may allow you to opt out for your second vehicle, helping you avoid duplication and reduce costs.

Conclusion

A personal accident cover is more than just a formality; it’s also a shield of financial protection for you and your loved ones. It can offer crucial financial assistance in the event of a permanent disability, loss of life or injury, ensuring your family is not left to face the burden alone.

If you want to receive personalised guidance and support while choosing a comprehensive two wheeler insurance policy, fill out the form on this page to connect with a professional and find the correct protection for your needs.

FAQs

• Is the PA cover available for pillion riders too?

Generally, the standard personal accident (PA) cover applies only to the owner-driver. If you want to include the pillion rider, you may need to purchase an additional add-on.

• If a rider has a PA cover under one plan, do they need it again for the second vehicle?

If you already have an active PA cover, you can choose to opt out of it when insuring another two-wheeler.

• Will the claim get rejected if the rider rode the bike without wearing the helmet?

Wearing a helmet is both a legal and a safety requirement. Whether a claim is rejected or reduced will depend on your insurer’s terms, as some may limit payouts if safety rules are ignored. Always review your policy’s fine print carefully.

• What is the minimum sum insured under the PA cover?

The minimum sum insured for an owner-driver under the PA Cover is ₹15 Lakh for permanent disability or death.

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 response to a Right to Information (RTI) query made by a leading media outlet in India revealed that a total of 2801 vehicle theft cases were reported in Mumbai in 2020, of which 2019 cases were of two-wheeler theft. Meanwhile, the situation is much worse in Delhi. As per another media report, Delhi reported 25153 cases of two-wheeler theft in 2020. In 2021, as of 30 November, 25078 were reported stolen in Delhi.

On any given day, you can be in for a shock knowing that your dream vehicle is not there in the place you parked it. Studies suggest that the possibility of recovering a stolen two-wheeler is lesser when compared with a car since it is easier to hide and dismantle it.

What to Do if Your Insured Two Wheeler is Stolen?

A comprehensive two-wheeler insurance plan can protect your bike against such unforeseen events apart from providing mandatory third-party coverage for your vehicle. You can breathe easily even if your bike insured with a theft cover is stolen. When you purchase insurance online, the insurance company will pay you an amount equal to the monetary value of your stolen bike. Just follow these steps to register the insurance claim against the theft of your bike.

1. Register an FIR

The moment you come to know about the theft of your bike, lodge the First Information Report (FIR) for the same at the nearest police station. When you report the theft, inform the concerned police officer of your chassis number, serial number, details of RTO where you have registered your bike, and more. Sharing the details is an important part of the claim process. It helps you to trace reports at regular intervals.

2. File the insurance claim

After filing an FIR, call the motor insurance company helpline and follow the instructions to file the claim against the theft of your bike. Fill in the claim form and provide all the required information, such as policy details, your bike’s registration number, etc.

3. Inform the RTO

It is mandatory to inform the Regional Transport Office (RTO) about the theft of your vehicle as per the law. Complete the formalities with them to obtain RTO transfer papers and other relevant documents.

4. Submit the documents

Once the aforementioned formalities are completed, you must send the duly filled insurance claim form and the respective documents to the insurance company. Generally, you may be required to send the following documents for bike theft.

• Insurance policy documents
• Duly filled claim settlement form
• Copy of registration certificate of the vehicle
• Copy of driving license
• Original FIR copy
• Letter to the RTO
• RTO transfer papers

5. Approval of claim

After the police submit a ‘non-traceable report’ stating that your bike could not be found, the insurance company initiates the process for approval of your claim. The stolen vehicle needs to be transferred in favour of the insurance company, and you will be reimbursed with an insured declared value (IDV) of your bike. The reimbursed amount might assist you in exploring the bike shops and purchasing the same bike model that you have recently lost.

How to Prevent Bike Theft?

Here are some tips for two-wheeler owners to prevent bike theft:

• Use a high-quality lock for added security.
• Install an anti-theft system.
• Whenever possible, park your two-wheeler in a well-lit area.
• Try anchoring your bike to a heavy object nearby.

How To Claim Insurance For Bike Theft?

You must follow the given steps to claim two-wheeler insurance after the mishap occurs:

1. Lodge an FIR (First Information Report) at a nearby police station.
2. Inform the insurance company about the issue and submit the following documents.

• A copy of the FIR
• Copy of bike’s insurance policy
• Registration Certificate (RC) and driving licence
• RTO forms 28, 29, 30, and 35
• The bike’s original key

4. Notify the RTO (Regional Transport Office) and complete the necessary paperwork.
5. Obtain the NTC (Non-Traceable Certificate) from the police department. This document acts as proof that your two-wheeler could not be traced. The insurer uses this document to settle the claim.

How Much Will Be the Insurance Payout For a Stolen Bike?

The insurance payout for a stolen bike depends on the chosen insurance. The policy contains an IDV (Insured Declared Value). It is essentially the current market value of the bike. Deductibles, liabilities, and depreciation are subtracted from the IDV to calculate the final claim settlement.

FAQs

1. How much money will I get if my bike is stolen?

You must submit all relevant documents to your insurer for the claim settlement. Its value depends on the IDV  (Insured Declared Value) listed in the insurance policy.

2. What should I do when my bike is stolen?

You must file an FIR at your local police station and inform your insurer of the same.

3. How to inform RTO about the theft of the vehicle?

You must submit forms 28,29, and 30 at the RTO where you registered your vehicle to inform them of the theft.

Conclusion

If your insured two-wheeler is stolen, acting promptly and responsibly is important. While the loss can be stressful, having insurance ensures financial protection. Staying vigilant and maintaining proper documentation can help minimise risks. Remember, you must remain calm in such unfortunate situations and follow proper procedures.

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

Updated on 6 Jan 2026

In India, owning a bike is about freedom, speed and the joy of navigating through city traffic with ease. But did you know your bike starts losing value the moment it leaves the showroom? Factors like ageing, regular wear and tear and changing market trends gradually reduce its worth over time. This drop in value directly affects your bike insurance coverage through a key factor known as depreciation.

In this blog, let’s understand how depreciation affects the IDV of insurance, i.e., the Insured Declared Value and how this change can impact the level of financial protection you receive.

What is depreciation in a two-wheeler?

Depreciation is the decrease in the value of an asset over time. In the context of two-wheeler insurance, the depreciation value of the bike helps the insurer determine your bike’s current market worth.

Like all machines, two-wheelers undergo wear and tear during their lifetime, which reduces their market value over time. For insured two-wheelers, policy providers offer a complete list of depreciation rates (as per the Indian Motor Tariff) for different stages during the two-wheeler’s lifetime.

In simple terms, depreciation plays a major role in calculating the Insured Declared Value (IDV) of your vehicle. Since IDV directly influences your insurance premium, depreciation ultimately helps determine how much you will pay for your policy.

What is IDV?

The Insured Declared Value (IDV) refers to the amount your insurance company considers your bike to be worth when you purchase or renew your policy. Simply put, it reflects your bike’s current market value after factoring in depreciation.

In case your two-wheeler is stolen or suffers total damage in an accident, the IDV is the maximum amount your insurer will pay. It also acts as the sum insured under the Own Damage (OD) section of your bike insurance policy.

How is IDV calculated?

A very important point to remember here is that the depreciation value of a bike in India is not calculated on the price you have paid for purchasing the vehicle. Instead, it is calculated considering the market value of the two-wheeler on the commencement of the policy. This value varies largely with time.

Ideally, you should get your vehicle insured within six months of the purchase to get the maximum IDV. The older your vehicle, the lesser will be the IDV and the premium.

Here’s the formula to calculate the insured declared value (IDV):

Insured declared value (IDV) = {Bike's current market value - depreciation costs} + {Accessories cost - depreciation value of accessories}

To fully comprehend the insured declared value (IDV), you must first understand the influence of depreciation in percentage on the age of a two-wheeler.

What factors affect the IDV of a bike?

Several factors influence the IDV of a two-wheeler, such as:

• Age of the vehicle: Older bikes have higher depreciation, leading to a lower IDV.
• Make and model: Premium models may retain value longer than standard models, hence a higher IDV.
• City of registration: Market values can vary based on location.
• Accessories: Additional fittings can increase the IDV if they are insured.

Is IDV directly related to the premium rate of bike insurance plans?

The IDV and the premium rate are closely linked. A higher IDV means that the insurer might need to pay more in case of a claim, which can increase the premium amount. On the other hand, a lower IDV may reduce your bike insurance premium. However, declaring an IDV that is too low to save on premium costs can leave you underinsured when you file a claim. It’s always better to maintain the right balance between adequate coverage and affordable premiums.

How does depreciation affect the IDV of two-wheeler insurance?

As your bike gets older, its value naturally decreases due to depreciation, which in turn lowers its IDV. For example, if your bike’s ex-showroom price was ₹1 lakh, after one year with 15% depreciation, the IDV might reduce to around ₹85,000. After two years, with 20% depreciation, it might drop even further.

When the IDV decreases, the following may happen:

• The maximum payout in case of a total loss or theft becomes lower.
  
• The premium might reduce, but your overall coverage may also shrink.
  
• If you declare an IDV that is much higher than the actual market value, you may end up paying a higher premium, and your claim will still be settled based on the IDV or the market value, whichever is lower.

Depreciation rates for your bike

Below is the standard depreciation on the bike schedule generally followed in India for the two-wheelers under most insurance plans:

Tips to keep depreciation and IDV in check

Here are some helpful tips that can help you manage the bike’s IDV and depreciation effectively:

• When renewing or purchasing the plan, make sure the IDV provided by the insurance firm matches the two-wheeler’s current market value.
• Avoid declaring an IDV that is too low just to lower the premium, as it might reduce the claim payouts later.
• Keep the two-wheeler well-maintained, as its condition can influence how the insurance firms assess the value.
• Use online IDV calculators offered by the insurance companies to get an estimate before you finalise the policy.

Common mistakes people make with IDV

Many policyholders make avoidable mistakes when dealing with IDV. Some of the most common ones include:

• Accepting the IDV suggested by the insurer without checking the bike’s actual market value.
  
• Setting the IDV too low to save on premiums can result in reduced compensation in case of damage or theft.
  
• Forgetting to declare accessories or modifications, which might not be covered unless mentioned in the policy.
  
• Believing that a higher IDV will automatically guarantee a higher claim amount. While a high IDV does increase the premium, claim settlements still depend on the bike’s real market value at the time of the incident.
  
• Ignoring the bike’s age and depreciation rate, and expecting compensation equal to the cost of a new two-wheeler.

Conclusion

Depreciation plays a key part in determining your two-wheeler’s IDV, and every bike owner should understand how it works. As the bike ages, its value begins to drop, which affects the level of coverage you can get under the policy. When you keep track of the depreciation and pick a realistic IDV, you can ensure fair premiums and proper protection when you need it the most.

If you want personalised advice or guidance on picking a comprehensive bike insurance policy, fill out the form available on this page to receive expert guidance.

FAQs

• Is it possible to ask the insurance firm to increase the bike’s IDV?

Yes, you may request an increase, but it will lead to much higher premiums. It’s best to keep the IDV close to the two-wheeler’s actual market value.

• Does the IDV affect the third-party only bike insurance?

No. Third-party liability cover is compulsory and does not rely on the IDV. The IDV mainly applies to comprehensive and own damage insurance.

• After 5 years of use, how is the depreciation applied to IDV?

For bikes older than five years, the depreciation rate is not fixed. The IDV is decided mutually between the policyholder and the insurer, often after a physical inspection.

4. Does providing a lower mileage or better condition change the depreciation applied?

Yes. Maintaining the bike in great condition and keeping the mileage low might help you negotiate a better IDV during renewal.

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.

Insurance policy documents are among the important documents that we normally keep in a safe location. Losing some of your important documents is not very common, but sometimes it does happen. There could be a situation where you misplace your two-wheeler insurance policy document. You’ve made every attempt to find it, searched every nook and cranny of your house, but to no avail. Your two-wheeler insurance policy is an important document, without which you would be at risk while riding your two-wheeler.

How important are your bike insurance documents?

In India, possessing valid bike insurance is a legal requirement under the Motor Vehicles Act, 1988. Riding without it can lead to legal consequences, including fines and penalties. Beyond legal compliance, bike insurance documents serve several critical purposes:

• Proof of insurance: These documents confirm that your vehicle is insured, providing peace of mind and legal protection.
• Claims processing: In the unfortunate event of an accident or theft, the insurance papers are necessary to file a claim and receive compensation.
• Resale transactions: When selling your two-wheeler, potential buyers often request insurance documents to verify the vehicle's history and coverage.
• Traffic stops: During routine checks, traffic authorities may ask for your insurance papers. Not having them can result in fines or other legal issues.

How to get duplicate bike insurance documents offline?

The last and only solution for you now is to request your insurance company to issue a duplicate insurance policy document. But getting a duplicate policy document is not easy. There are certain pre-requisites that you need to perform before you can make an application for a duplicate policy document.

The prerequisites are:

• Filing a first information report (FIR) with the police

Not all insurance companies ask for a copy of an FIR filed with the police for your lost two-wheeler policy document. But it will certainly help in your seeking a duplicate two-wheeler insurance policy document.

• Issue an advertisement in a newspaper

You must publish an advertisement in a newspaper circulated in the region where the two-wheeler insurance policy document is lost. The advertisement will basically announce that you have lost your two-wheeler policy document and request that if someone finds the same, it be delivered or handed over to you. The advertisement will contain your address and/or your contact details.

• Execute an indemnity bond

An indemnity bond is the last of the documents you will need for submitting to your for submitting to your motor insurance company to apply for a duplicate insurance policy document. The indemnity bond should be executed in favour of your insurance company and also must be notarised. The indemnity bond has to be executed on a non-judicial stamp paper.

• Write an application to the insurer

After getting hold of these three documents, you are now ready to apply for a duplicate of your two-wheeler insurance policy. Write an application addressed to your general insurance company requesting them to issue you a duplicate two-wheeler insurance policy.

Please ensure you write the correct policyholder name, policy number, date of issuance, and type of insurance cover opted in the application. Attach the FIR, a copy of the advertisement issued in a newspaper, and the indemnity bond with the application. Remember to keep copies of the application and the documents safe with you for future reference.

If the two-wheeler insurance policy is in a joint name, please remember the application will have to be signed by both the joint policyholders.

• Pay applicable fees

There might be a nominal fee associated with issuing duplicate documents. Ensure you inquire about any charges and make the necessary payment.

How to get duplicate bike insurance documents online?

With the advent of digital services, many insurance companies offer the convenience of obtaining duplicate insurance documents online. Here's how you can do it:

1. Visit the official website: Go to your insurance provider's website and navigate to the customer service or policy management section.
2. Log in to your account: Use your registered credentials to access your account. If you haven't registered yet, you'll need to create an account using your policy details and personal information.
3. Request duplicate documents: Once logged in, look for the option to request duplicate policy documents. Depending on the insurer, this might be labelled "Download Policy," "Duplicate Policy," or "Policy Copy."
4. Verify your identity: You may be required to verify your identity through an OTP sent to your registered mobile number or email.
5. Download or receive via email: After verification, you can download the duplicate policy document directly from the website. Alternatively, some insurers may email the document to your registered email address.

Tips to follow if you have lost bike insurance documents

Losing your bike insurance documents can be unsettling, but following these tips can help mitigate potential issues:

• Check for digital copies – Look for an email or soft copy of your policy sent by your insurance company.
• Contact your insurance provider – Inform your insurer about the lost documents and request a duplicate copy.
• Download from the insurance website – Log in to the insurer’s website or app to download a copy of your policy.
• Use the DigiLocker app – If your policy is linked to DigiLocker, you can retrieve a legally valid digital copy.

FAQs

1. What should I do immediately after realising I've lost my two-wheeler insurance documents?

Check for policy documents in the email sent to you by the insurer during the insurance purchase. Contact the insurance provider to request a hard copy if you can't find it. You can also download a digital insurance copy from the insurer’s website or app.

2. Can I apply for duplicate insurance documents online?

Yes, many insurance companies offer online services where you can request duplicate documents through their official website or mobile app.

3. What information is required to request duplicate insurance documents?

You will need to provide details such as your policy number, vehicle registration number, and personal identification.

4. How long does it take to receive the duplicate documents?

The processing time varies by insurer. Online requests are typically processed faster, often within a few hours to a couple of days, while the offline method may take longer.

5. Can digital copies of insurance documents serve as valid proof?

Yes, digital copies stored in government-approved apps like DigiLocker or mParivahan are considered valid proof of insurance and can be presented during traffic inspections.

6. What preventive measures can I take to avoid losing my insurance documents?

Store digital copies in secure cloud storage or government-approved digital lockers, and keep physical copies in a safe place.

Conclusion

Losing your bike insurance documents can be inconvenient. However, by promptly informing your insurer and following the necessary steps, you can obtain a duplicate copy without much hassle. Embracing digital solutions and maintaining organised records can help prevent such issues.

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

Updated on 27-03-2025

The Road and Transport Ministry of India decided to amend the motor vehicle rules in order to provide a valid driving licence to youths between 16 to 18 years of age to drive e-scooters with a maximum speed of 70 km per hour. The government also notified that vehicle registration would be mandatory for these electric scooters and they will have a green number plate.

This blog will detail the rules and regulations regarding e-scooter operations in India. 

RTO Rules for Electric Bikes in India 

Under the current regulations, people between the ages of 16 to 18 can obtain a licence for driving two-wheelers with an engine capacity of less than 50 cc. However, while the legislation exists, no such vehicle is being manufactured in the country.

However, each applicant for the license to drive a ‘light 2-wheeled power vehicle’ will have to be aware of the traffic laws, road signs, and signals, apart from the general road safety regulations. He or she will have to undergo a requisite test as per the law to obtain a driving licence.

Law and Age Limit for Electric Scooters in India 

With the government bringing all-electric vehicles with motor power up to 4 kWh under the preview of law, teenagers between the ages of 16 to 18 years can ride them on roads with a valid driving licence. The move will also boost the sale of electric scooters, adhering to the government’s initiative to increase electric mobility in the country.

Benefits of Electric Scooters for Teenagers 

Electric scooters are beneficial on several levels-

1. There are eco-friendly and environmentally sustainable options for travelling. 
2. Electric scooters are cost-effective and have low maintenance. 
3. They are lightweight and have a compact design, perfect for smaller parking spaces. 

Do You Need a Driver’s Licence to Ride an EV Bike? 

No driver’s licence is needed for low-speed EVs. You also do not require registration or bike insurance for riding this type of electric bike. However, high-speed EVs require a licence and other legal requirements like registration and insurance. 

FAQs 

• Can a 16-year-old ride any electric scooter in India?

No, only low-speed EVs that run at 25 km/h or below are allowed for individuals of 16 years of age. 

• Are helmets mandatory for teenagers driving electric vehicles? 

Yes, wearing a helmet is recommended for safety, even if not legally mandated for low-speed vehicles. 

• What documents are required for driving a low-speed electric scooter?

No documents are needed for low-speed EVs. 

• What happens if a 16-year-old drives a high-speed electric scooter?

It is considered against the law and leads to penalties, fines, or, in some cases, seizure of the vehicle by authorities. 

Conclusion 

Electric scooters are a modern solution to issues like the cost of owning a vehicle, maintenance, and environmental worries caused by pollution from regular two-wheelers. In addition to allowing low-speed EVs for teenagers, the government is also trying to build an ecosystem for electric vehicles. This includes approving distinctive green number plates for all-electric vehicles with white fonts for private cars and yellow fonts for taxis. This will allow the electric vehicles to be easily identified for preferential treatment and proposed benefits. Also, don't forget to secure your ride with a suitable two-wheeler insurance policy.