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

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

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

What is third-party two-wheeler insurance?

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

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

What is covered by third-party insurance?

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

• Cover for third-party death or bodily injuries

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

• Cover for third-party property damage

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

• Personal accident cover

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

How to file a third-party insurance claim?

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

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

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

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

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

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

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

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

Things to keep in mind while filing the claim

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

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

Ride by the books and follow your instincts because your life is precious

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 which 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, these following tips can save your life. Moreover, you should buy two wheeler insurance policies online, to secure yourself against any mishaps.

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 road, unless you are aware of it.

The Intersections

Being aware of the intersections or turns, is a life saver. 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 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 to move by your own accord.

Do Not Rush

Rushing or speeding can take 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 revelrous 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.

Four fests that are a treat for bike enthusiasts

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.

Ireland Bike Fest

Held annually in the town of Killarney, the two-day Ireland Bike Fest is one of the most exhilarating weekends for bikers and non-bikers alike. Home to three world famous lakes: Lough Leane, Muckross Lake and Upper Lake, Killarney is a breath-taking town teeming with scenic beauty.

Imagine riding on the twisting tracks around the mountains, high above three gorgeous lakes, speeding alongside the sea on world-famous routes like the Wild Atlantic Way and the Ring of Kerry. There are also three live music shows and umpteen food and drinks stalls to soak up the excitement and thrill.

Dubai Motorbike Festival

The Dubai Motorbike Festival is one grand gathering of all local and international motorcycle communities and companies. The festival is aligned with the annual releases of the industry’s product lines and holds an exhibition showcasing the latest models and technologies.

The festival is a platform for riders, bike enthusiasts, bike clubs, manufacturers and retailers to connect, share and indulge in everything related to two-wheelers. A stunt battle is held by the festival in two categories, sports bikes and ATVs. These test the balance, creativity and fearlessness of every competitor.

Startling Reality

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

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!

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.

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

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.

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.

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.

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.

Prep your two wheeler for the rains!

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.

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 through 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 is to 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 kms, 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 of 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 you 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.

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.

Motorbikes in Grand Prix race

While bikes are an eternal global fad, a leading brand or topmost player in the market is an ever-changing subject. Style, speed, handling, reliability and affordability play key roles in determining the masses' choice. Several brands mesmerize buyers with an aura of exclusivity but are simply not economical. It is important to strike a balance between luxury and necessity while choosing a bike.

Some motorbike brands consistently retain a global presence by excellent promotions and high quality standards. Read on to know the top five best-selling brands around the world.

Honda -"You meet the nicest people on a Honda"

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

Leading production since 1959, the company has several subsidiaries around the globe, including the popular Honda Motor Co., Inc. of North America a.k.a. AHM (American Honda Motor Co., Inc.).

Watch out for Honda's latest sports bike model, CBR600RR7. It boasts of a 600 cc 'Dual Sequential Fuel Injected Inline-four' engine having the smallest dimensions in its class.

Yamaha -"Revs your heart"

With a long history of creativity and inexhaustible spirit of challenge, Yamaha is a popular brand among motorists around the world.

Their bikes have gained popularity for smooth running, stylish body, and blend of rugged and subtle features.

Harley-Davidson - "American by birth. Rebel by choice"

These heavy-duty bikes captured the market for their macho design and muscular looks. They continue to instill 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, it is endorsed by motorbike clubs, celebrated by events and even has a museum to its credit!

Kawasaki - "Let the good times roll"

The engaging tagline of Kawasaki Motors Corp., USA has done its job in elevating the brand's image. Popular for its durability and range of adventure bikes, Kawasaki has maintained a healthy market presence.

From superbikes and touring scooters to sturdy off-road rides, Kawasaki continues to lure the crowds with its performance-enhanced technology and attractive ergonomic designs.

Uninsured two wheelers can put you into legal troubles resulting in hefty fines

Two-wheeler third party insurance is mandatory in India, yet a majority of riders share a different outlook and consider it as an added financial burden. According to a survey by the Insurance Regulatory and Development Authority of India (IRDAI), 75% of two wheelers on Indian roads have either no or lapsed insurance. Riding without insurance might be an oversight or just a way to save money. Either way, if you are one of the 75%, you may face one or more of the below-mentioned consequences.

Legal Liabilities

A comprehensive two-wheeler insurance is essential for a rider’s security. It offers the much needed cover in the event of occurrence of an untoward incident. If you are riding without a comprehensive two wheeler insurance, you will have to pay for all the repair costs after an accident, which can be a costly affair.

Things can get even worse when a third party is involved. If in the accident, the third party is injured, or worse, dead, it could mean a major legal and financial crisis for you. To save yourself the trouble, it is better to have a valid comprehensive two-wheeler insurance policy that will take care of all the expenses and also protect you against any legal liability.

Heavy Penalties

Riding a two wheeler that has no insurance or lapsed insurance is illegal according to the Motor Vehicles Act. Thus, if the authorities catch you without insurance, there will be certain penalties that you’ll have to endure. These penalties can come in the form of 3 months of imprisonment, a fine up to ₹ 1,000, or both.

Tedious Process

Renewing a lapsed two wheeler policy is a time-consuming affair involving filling paperwork and other hassles. It is similar to obtaining a new policy, where the two wheeler will again be physically inspected. There is also a high probability of the insurer charging a higher premium or rejecting the proposal altogether. It would be convenient as well as cheaper for you to keep a track of the policy and renew bike insurance before the expiry date.

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

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. Insuring your two wheeler is a smart choice for Indian roads. Not only it is 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.

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 his 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 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.

Technology can be used to prevent road fatalities in the burgeoning two-wheeler population

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.

Driver Distraction

It 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. 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 also, Bluetooth-enabled helmets can prove useful, as they will establish a link of communication between both, without any distraction.

Learn about the basic operations of a motorcycle with a few simple bike riding tips

Riding a bike provides a sense of freedom which is beyond words. It is also one of the most convenient modes to commute, relieving you from traffic snarls and erratic public transports. 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 license.

Earn a Learner’s Permit and Buy Proper Safety Equipment

The first thing you need to do is acquire a learner’s license 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). Also, purchase safety equipment like helmet, gloves, leather jacket, sturdy boots, and eyeglasses before taking on the challenge.

Know About Various Parts and Controls in a Bike

After you’ve earned your bike learning permit, and are equipped with all the safety gears, it’s time to get familiar with various parts and controls before you can begin learning how to ride a bike:

• Clutch lever: It is typically found on the left side of the handle-bar. The function of the clutch lever is to engage power to the engine.
• Throttle: Located on the right handle-bar grip, it is similar to the accelerator of a car. Used to control 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 throttle.
• Ignition switch: Often located on the right side of the handle-bar 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.

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.

Benefits of Buying Two Wheeler Add-ons

Opting 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 a 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 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 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 better shield them with an additional cover. Any damage to these accessories will be taken care of, by your insurer.

The sun shines brilliantly and 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.

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.

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.