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  • Driving Two-Wheeler Essentials

    by Nitin Vishwakarma | Jan 10, 2025

    When navigating the bustling roads of India on your two-wheeler, ensuring a safe and legal ride requires more than just a helmet and a tank full of fuel. Understanding the essential documents needed for a hassle-free journey is paramount. Whether manoeuvring through city traffic or embarking on a long-distance adventure, having the proper paperwork isn’t just prudent; it’s legally mandatory. This blog is a comprehensive guide to the necessary documents for a seamless bike ride, ensuring compliance with the Motor Vehicles Act 1988. Here, we will tell you about documents to carry while driving a two-wheeler.

    Documents to Carry While Driving Bike

    Before heading out for a ride, make sure to have the following mandatory documents to carry while driving a bike:

    • Bike Registration Certificate (RC)

    The Regional Transport Office (RTO) registers your bike, proving its registration with details such as the registration number, make, model, and owner information contained in the RC.

    • Driving Licence (DL)

    A valid DL is legally required to ride a two-wheeler on public roads. It specifies the type of bike the holder is authorised to ride, whether with or without gear. Carrying your DL is mandatory, and digital copies via government apps like DigiLocker are acceptable.

    • Two-Wheeler Insurance Policy

    A bike insurance policy is compulsory for riding on public roads. If opted for, it serves as proof of insurance coverage, including Third Party and Own Damage. The policy includes the registration number, insurance company, coverage type, policy tenure, and limits.

    • Pollution Under Control Certificate (PUCC)

    The PUCC is an emission certificate indicating that your bike's pollution levels are within permissible limits. It includes the bike's registration number and is essential for legal riding on Indian roads.

    • Bike Fitness Certificate

    A fitness certificate is necessary for bikes older than 15 years for continued road legality. Renewal of the fitness certificate is required every two years.

    • Medical Certificate (if applicable)

    Riders above 50 may need to produce a medical certificate certifying their fitness to ride a two-wheeler. It ensures that they are physically capable of handling the vehicle safely.

    Apart from the necessary documents, it would be best to consider following basic traffic rules while riding. Adhering to traffic rules is crucial for your safety and the safety of others on the road:

    • Helmet Usage

    Always wear a helmet, and ensure any pillion rider does the same.

    • Document Compliance

    If necessary, bring essential documents such as a Driver’s License (DL), Registration Certificate (RC), Insurance Policy, Pollution under Control Certificate (PUCC) and Medical or Fitness Certificate.

    • Lane Discipline

    Keep to the left on a two-way road, maintain lane discipline and follow road signs diligently.

    • Speed Control

    Slow down at intersections, junctions, corners and pedestrian crossings and always obey speed limits.

    • Signalling

    Use hand signals and turn indicators to communicate your intentions to other road users.

    • Vehicle Maintenance

    Ensure your bike’s registration number is visible, and follow proper vehicle maintenance for roadworthiness.

    • Horn Usage

    Use the horn sparingly and avoid unnecessary honking.

    • Overtaking and Parking

    Do not overtake unsafely, and avoid parking near junctions, on flyovers, bridges or footpaths.

    • Importance of Two-Wheeler Insurance

    Beyond legal requirements, two-wheeler insurance provides financial protection and peace of mind:

    • Financial Safeguard

    Insurance coverage offers financial assistance for repairs and liabilities in case of breakdowns or accidents.

    • Mandatory Document

    Bike insurance is mandatory; carrying it while riding ensures compliance with legal requirements.

    • Comprehensive Protection

    Insurance covers theft, damages due to natural or manmade calamities and third-party liabilities.

    • Easy Purchase

    New-age insurance companies offer hassle-free online processes for purchasing and renewing bike insurance.

    Conclusion

    Riding a bike in India demands a thorough understanding of mandatory documents and traffic rules. Compliance ensures legal adherence and creates a safer and more responsible road environment. From essential documents to basic traffic etiquette, being a responsible rider is not just a legal obligation but a commitment to personal safety and the well-being of fellow road users.

     

    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.  

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  • Lost Bike Insurance Papers

    by Nitin Vishwakarma | Jan 10, 2025

    Losing your bike insurance papers can be problematic, considering these documents’ importance in ensuring a secure and legal riding experience. In today’s fast-paced world, where reliance on technology is high, misplacing essential documents is common. However, there are steps you can take to retrieve or replace your lost bike insurance papers, ensuring you stay compliant with the law and safeguard your two-wheeler. Here, we will explore those steps to help you recover your missing bike insurance documents.

    Steps to Find Your Lost Bike Insurance Documents

    Most people say, ‘I lost my bike insurance papers,’ but what must they do afterwards? If you lost your bike insurance documents, you must follow the necessary steps to obtain a duplicate copy from the insurer. Here are the steps to find your lost bike insurance documents:

    1. Inform Your Insurer:

    Losing your bike insurance documents can be stressful, but the first step toward resolution is contacting your insurance company promptly. Most insurance providers offer a toll-free number for such scenarios, providing an immediate avenue for reporting the loss. You also have the option to visit the nearest branch office to discuss the situation.

    1. Provide Necessary Information

    When informing your insurer about the loss, it’s crucial to provide all relevant details that can aid in the verification process. It includes your policy number, bike registration number and any additional information requested by the insurer. By furnishing these details, you assist in confirming your identity and policy particulars.

    1. Initiate Duplicate Copy Process

    Upon notifying your insurer, they will issue a duplicate copy of your bike insurance policy. It involves a series of steps, including some paperwork and verification procedures. The purpose is to ensure the request’s legitimacy and safeguard against fraudulent claims.

    1. Visit the Nearest Branch Office

    For those who prefer face-to-face interactions, visiting the nearest branch office of your insurance company is a viable option. The staff at the branch will guide you through the necessary steps to obtain a duplicate copy of your policy. This personal approach can provide clarity and assurance throughout the process.

    1. Utilise Online Platforms

    In the age of digital convenience, many insurance companies offer online services for seamless transactions. Policyholders can request duplicate documents from insurers’ official websites or mobile apps. Checking your insurer’s online portal for such options can expedite the process and enhance overall convenience.

    1. Follow the Document Verification Process

    To ensure the request for a duplicate copy is legitimate, be prepared to undergo a document verification process. It may involve providing additional proof of identity and ownership.

    Ensuring the integrity of the insurance process and preventing misuse makes this step crucial.

    1. Verify Details in Duplicate Copy

    Once the duplicate copy is issued, take the time to review all the details carefully. It’s essential to ensure that the duplicate document accurately reflects the information from the original policy. Any discrepancies or errors should be reported to the insurer promptly for correction.

    1. Store Securely

    Upon receiving the duplicate copy of your bike insurance policy, it’s imperative to store it securely. Designate a specific and easily accessible place for essential documents, and consider creating digital backups for added convenience. This proactive approach ensures that you have ready access to your insurance documents whenever needed.

    Conclusion

    Losing your bike insurance papers doesn’t have to be a significant setback. Promptly inform your insurer and follow the procedures to obtain a duplicate policy copy. It ensures you enjoy a safe and legally compliant riding experience. Staying informed about the process and promptly addressing the issue is vital to resolving the situation with minimal hassle.

     

    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.  

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  • Low Height Scooty for Ladies

    by Nitin Vishwakarma | Dec 30, 2024

    When it comes to finding the perfect ride, especially for women, a low-height scooty for ladies can make all the difference. You want to be relaxed and happy while riding and need a scooty appropriate for your height.

    Let’s take a look at some of the finest low-seat-height two-wheelers for ladies available in India in 2024.

    Top 19 Two-Wheelers for Ladies in India In 2024

    Here’s a list of some of the best scooty for short-height ladies that are worth considering this year:

    • Bajaj Platina 110

    The Bajaj Platina 110 is more manageable for ladies because of its low height and comfortable sitting space. It is suitable for daily use and provides great fuel economy. Also, it is light and, therefore, can easily maneuver within traffic.

    • Hero Pleasure Plus

    Hero Pleasure Plus model is exclusively for women. It is stylish and relatively low to the ground, which makes it easy to use. This scooty is best suited for city drives and the boot compartment is large enough to accommodate your necessary items.

    • TVS Scooty Zest 110

    The Scooty Zest 110 is yet another beautiful model for ladies. While riding this bike, it is easy for short women to touch the ground. It is light and provides a smooth ride, which makes it suitable for use in areas with heavy traffic.

    • Honda Dio

    The Honda Dio is a stylish scooty with low ground clearance. It is the best option for young riders and provides an exhilarating and spirited ride. Its comfort is an added plus.

    • Yamaha Fascino 125

    The Yamaha Fascino 125 is an elegant scooty with great power and acceleration. It is slightly taller than some other models; however, because of its slim profile, it is easy to control for women of shorter stature. It is suitable for those women who want an eye-catching scooty with decent fuel efficiency.

    • Suzuki Access 125

    The Suzuki Access 125 is popular for its superior engine and ergonomic pillion seat. It is short and well-built, ideal for any lady who prefers a strong and stable bike. It also has an adequate storage area for personal items.

    • Bajaj Chetak

    The Bajaj Chetak is one of the oldies but is now being revived. It has a vintage appearance and is relatively short. The scooty is suitable for users who prefer a classic design. It is electric and thus a preferable choice.

    • TVS Jupiter

    TVS Jupiter is a fuel-efficient scooty that people of all heights can conveniently ride. Due to its convenient, low stance, it is very portable and ideal for daily use when going to work or college. It also comes with ample under-seat storage.

    • Honda Activa 6G

    The Honda Activa 6G is among the most sought-after scooters in the country. Due to its low stature and efficiency, it is highly recommendable for ladies. It is mainly designed for urban use and provides a comfortable ride.

    • Hero Maestro Edge 110

    Hero Maestro Edge 110 is a comfortable scooter that caters to the female population. Due to its small stature, it is ideal for those with a relatively short height. Some of the features that come with it include a digital speedometer and a storage compartment.

    • Yamaha Ray ZR 125

    The Yamaha Ray ZR 125 is the scooty that comes with the features of sporty and stylish looks. Though it is slightly taller, it is easier to maneuver for the shorter riders because it is lighter in weight. It is ideal for those wishing to combine fashion with performance.

    • KTM 390 Duke

    KTM 390 Duke deserves a mention here for its slightly taller stature and rather slim seat height. The bike itself is quite lightweight. It is ideal for a thrilling experience and, at the same time, suitable for those who are not that tall.

    • TVS Ntorq 125

    TVS Ntorq 125 comes with a sporty look and has a low height. It is ideal for urban areas and offers a good ride for the statured riders and thus can be used for daily commuting.

    • Suzuki Burgman Street 125

    Suzuki Burgman Street 125 is a stylish scooter and possesses low ground clearance. It is comfortable and performs well, making it ideal for both daily and long bike rides. It also provides enough storage space.

    • Hero Electric Optima

    Hero Electric Optima is perfect for anyone who requires a shift from the conventional mode of transport and wants to embrace electric means of transport. Because of its small height and environmentally friendly concept, it is ideal for daily commuting. It does not weigh much, which makes it easily manageable.

    • Okinawa Praise Pro

    Okinawa Praise Pro is another electric scooty that provides a low-height seat. It is comfortable and convenient, thus suitable for any lady wanting an efficient two-wheeler ride.

    • Ampere Magnus Pro

    Ampere Magnus Pro is a low-height, elegant electric scooty. It is suitable for city use and gives a comfortable ride. It is easy to handle, especially for shorter riders, because it is lightweight.

    • Ather 450X

    Ather 450X is a luxury electric scooty built for speed and comfort. Because of its small height, its structure is inherently suitable for ladies. It has innovative functions and an attractive appearance, which makes it perfect for modern women.

    • Bajaj Qute

    Although it falls under the category of quadricycle, Bajaj Qute is another interesting two-wheeler for those who want a small vehicle to move around. It is low built and can be easily maneuvered, making it the perfect scooty for short-height ladies.

    Conclusion

    Carefully selecting the perfect low-height two-wheeler for ladies can indeed have a large impact on the quality of the ride. Choosing the best scooty for short-height ladies depends on your personal preference. In any case, do not forget about two-wheeler insurance to insure your bike against potential accidents, damage, and theft.

     

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

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  • Is a PAN Card Mandatory for Bike Insurance?

    by Nitin Vishwakarma | Dec 30, 2024

    When it comes to two-wheeler insurance, you often wonder whether a PAN card is required for the same. Let’s find out:

    Address and Identity Proof Required for Bike Insurance Renewal

    While renewing bike insurance, you must furnish identity proof like a passport, driving licence, or PAN card. Though a PAN card is not always compulsory, it is beneficial, especially when you are doing KYC with the insurer.

    Conclusion

    Now you might have an answer to your query: Is a PAN card mandatory for bike insurance? It is not mandatory, but it is recommended that you have it handy.

     

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

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  • FIR Requirement for A Bike Insurance Claim

    by Nitin Vishwakarma | Dec 23, 2024

    Buying a two-wheeler insurance policy is important to ensuring safety for bike owners. But they often struggle with questions like ‘Is FIR required for a bike insurance claim?’ Here’s everything you need to know about the claim process.

    File a Police FIR if Required

    Filing an FIR is mandatory in case of bike insurance claims that involve a third party. Major accidents and thefts necessitate an FIR for initiating the claim process. But in other cases, a police report might not always be required.

    Conclusion

    Filing an FIR is an important part of the documentation process for claiming insurance. It is advisable to opt for a comprehensive two-wheeler insurance policy that covers all cases of accidental damage or loss of your vehicle.

     

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

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  • Best Low-Seat Height Bikes

    by Nitin Vishwakarma | Dec 23, 2024

    When it comes to finding the right ride, particularly for those with short height, low-seat-height bikes are the best choice. It is important to feel safe and relaxed while riding a bike, and shorter people must choose low-height bikes.

    This blog covers some of the best options for top motorcycles for short riders in 2024. Besides, it discusses how crucial it is to have two-wheeler insurance.

    Top Low-Seat Height Bikes for Short Riders in 2024

    Here’s a list of some of the top motorcycles for short riders worth considering this year:

    • Bajaj Avenger Street 160 (Seat Height: 737 mm)

    Bajaj Avenger Street 160 is a cruiser model, meaning it is a low-seat bike ideal for riders with short heights. The bike's design is perfect for long rides around the city and highways due to its excellent structure and comfortable seating position.

    • TVS Apache RTR 200 4V (Seat Height: 800 mm)

    The TVS Apache RTR 200 4V is a sport bike with low ground clearance and great power. Given its lightweight and good handling, it is perfect for men and women looking for a fun drive.

    • KTM 125 Duke (Seat Height: 818 mm)

    KTM 125 Duke is slightly higher than others on this list but possesses a seat so narrow that short riders can handle it without any hassle. It is a beautiful bike that provides a magnificent ride and amazing maneuverability in city traffic conditions.

    • Honda CB Shine (Seat Height: 790 mm)

    The Honda CB Shine is among the most popular commuter bikes in the Indian market. It has a short stature and an ergonomic seat design, suitable for regular commutes. The bike also has reliability and fuel efficiency as extra attributes.

    • Royal Enfield Meteor 350 (Seat Height: 765 mm)

    The Royal Enfield Meteor 350 is one of the best bikes for people who want a bike resembling classic models. The bike is very comfortable, especially for short riders, since it has a low seat height. It is also useful for long-distance riding.

    • Bajaj Platina 110 (Seat Height: 804 mm)

    Another good bike for shorter riders is the Bajaj Platina 110. It is low-enduro and built for comfort, which makes it suitable for everyday use. It is also associated with good fuel economy.

    • Hero Splendor Plus (Seat Height: 785 mm)

    The Hero Splendor Plus is one of the traditional commuter bikes with low ground clearance. It is ergonomically comfortable and highly reliable, hence a popular preference.

    • Yamaha FZ-S Fi (Seat Height: 790 mm)

    Yamaha FZ-S Fi has a sporty body and a low seat height. It is ideal for city use and is comfortable for shorter riders.

    • Suzuki Gixxer SF 250 (Seat Height: 810 mm)

    Suzuki Gixxer SF 250 is a stylish sports bike with low ground clearance. It is versatile and can be used for daily and long weekend rides.

    Conclusion

    Having the right bike that fits your stature and budget can greatly improve your biking experience. Ride with confidence and comfort with options such as the Bajaj Avenger Street 160 and the Royal Enfield Meteor 350. Do not miss out on two-wheeler insurance to secure your bike and ensure carefree riding. The insurance provides financial coverage against accidents, damages and theft.

     

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

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  • What is a Petrol Bike?

    by Nitin Vishwakarma | Dec 20, 2024

    In most parts of the world, a petrol bike, usually referred to as a gas-powered motorbike, is a common form of transportation. If you do not need to travel frequently or go for short trips, a petrol bike will offer a convenient ride and suit your requirements.

    Define a Petrol Bike

    A petrol bike is a motorcycle with an internal combustion engine powered by gasoline. Let us simplify it.

    • A petrol bike has a spark-ignition engine.
    • The spark plug ignites the fuel. This leads to the expansion of the gas and causes the piston to rise and fall.
    • The fuel efficiency of a petrol bike depends on the engine capacity.
    • Petrol bikes require frequent maintenance.

    Conclusion

    In summary, a petrol two-wheeler is the best option for an efficient and adaptable form of transport. It remains a popular choice among commuters due to its simple mechanism and good fuel economy. Also, remember to opt for two-wheeler insurance to have complete peace of mind every time you hit the road.

     

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

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  • What is a Diesel Bike?

    by Nitin Vishwakarma | Dec 20, 2024

    Are you planning to switch to a diesel motorbike? Making a wise choice involves knowing its essentials. Your decision to purchase a diesel bike may be affected by various factors, such as maintenance cost, fuel economy, and environmental impact.

    Define a Diesel Bike

    • Unlike petrol bikes, which use spark plugs for ignition, a diesel motorcycle uses compressed air.
    • Diesel engines compress air and, subsequently, inject fuel into this highly compressed air.
    • The fuel gets ignited by the heat created by the compressed air.
    • A diesel bike offers more fuel economy than petrol motorbikes as the air compression ratio is higher (i.e., 14-25 times more than the original volume).
    • In comparison to petrol bikes, diesel bikes are more noisy and release more hazardous particulate matter but less CO2.
    • Diesel motorcycles could have superior long-term value retention despite their initial greater cost.

    Conclusion

    Diesel motorbikes have an edge in fuel economy, but maintenance tasks and emissions are the issues that should be considered. As a responsible bike owner, you must also invest in a comprehensive two-wheeler insurance policy for cruising down the roads with complete peace of mind.

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

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  • What Are the Tax Benefits of an e-bike?

    by Nitin Vishwakarma | Dec 20, 2024

    Electric bikes are taking the streets by storm. They are beneficial for the environment and easy on your wallet when it comes to running costs, but what about the initial purchase price? The Indian government offered tax rebates to owners of e-bikes. Let's delve into the details.

    Tax Benefits of an e-bike?

    One can claim a tax rebate under Section 80EEB of the ITA. The electric bike tax deductionbenefit is just one of the government initiatives to popularise the adoption of e-vehicles and lower the dependence on fossil fuels. 

    Here is what you need to know about claiming an e-bike tax credit under this Section for interest paid on an e-bike loan:

    • Maximum Deduction

    You can save up to INR 1.5 lakh on the interest portion of your e-bike loan.

    • Individual Taxpayers Only

    This benefit is currently available for individual taxpayers and not businesses.

    • Claim the Excess for Business Use

    If you buy an e-bike for commercial purposes and the interest paid is more than INR 1.5 lakh, you can claim a tax rebate on the interest you have paid over and above INR 1.5 lakh. However, the e-bike must be registered under the name of the business enterprise or owner.

    Documents Required

    The loan must be sanctioned and taken from NBFCs and banks. Keep your loan interest certificate and other relevant documents handy for filing your income tax return.

    Conclusion

    The popularity of e-bikes is undeniable. But remember, just like with a regular bike, you must get basic third-party bike insurance for your vehicle. It is a small price to pay for your security and peace of mind.

     

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

    Also Read:

  • What Are the Environmental Benefits of an e-bike?

    by Nitin Vishwakarma | Dec 17, 2024

    Electric bikes have made notable progress in an environmentally friendly way. When charged utilising renewable energy sources, such as solar/wind power, these bikes produce zero carbon emissions. Electric bikes are unquestionably advantageous for the environment.

    Environmental Benefits of an e-bike

    The following are electric bike environmental benefits:

    • One significant environmental benefit of electric bikes is they offer emission-free travel. Electric bikes work by combining human pedalling with electric power from rechargeable batteries. Thus, they emit zero emissions during use.
    • Electric bikes don't release harmful and toxic gases like other traditional vehicles, thus contributing nothing to environmental pollution.
    • E-bikes use batteries that last a long time. Additionally, it's important to recycle these batteries to keep them out of landfills too soon.
    • Electric bikes can explore places beyond the reach of traditional vehicles. They are small in size, lightweight, and perfect for off-road adventures.

    Conclusion

    The popularity of electric bikes shows that the world is shifting towards sustainability. These bikes are road-friendly and zero-emission vehicles that offer viable travel options. Moreover, getting electric bike insurance can further protect your investment.

     

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

    Also Read:

  • Is License Required for Electric Bikes in India?

    by Nitin Vishwakarma | Dec 17, 2024

    As electric motorcycles become more and more popular in India due to their affordability and environmental benefits, concerns like “Do I need a license for an electric bike?” come up. For legal compliance and peace of mind, it is crucial to understand what a bike insurance policy is and the licensing rules.

    Is a License Required For an E-bike?

    Obtaining any motor vehicle, including electric bicycles, requires a legal driving license according to the laws of India. It is crucial to understand the specifics of the licensing requirements for electric bikes. Let us now go into the details to understand which electric bikes need a license, as well as the governmental regulations and exceptions.

    • You will require a driver's permit to commute by an electric bike in India.
    • There are also exclusions for slow electric bikes, but they still need a particular type of driving license.
    • There is uncertainty when describing motorbikes, scooters, e-bikes, and electric bikes because of regional variations.
    • Whether it is a type of electric bike or not, you must have a driving license and take up a bike insurance policy.
    • State rules may be different, which makes it advisable to review the statutes and speak with the manufacturers about legislative requirements.
    • Electric Bikes That Do Not Require a License

      • Electric two-wheelers with a maximum output of 250 watts or a maximum speed of 25km/h can be used without a driving license.
      • Low-speed electric bikes, which do not require vehicle registration, are not considered motor vehicles and do not need registration.
    • Electric Bikes that Require a License

      • Bicycles fitted with motors that exceed a power output limit of 250 watts or have capabilities to go beyond the top speed of 25km/h necessitate a valid driving license.
      • These vehicles must be registered, and you must comply with several regulatory obligations.
      • The knowledge of FAME-II subsidies will be deemed beneficial as they support electric vehicle adoption and might be applied to your electric bike.

    Now that you know the answer to the query, “Do electric bikes need a license?” remember to keep yourself updated about the latest guidelines and remain compliant with the law.

    Conclusion

    At the end of the day, it is mandatory to be aware of the license requirements and the bike insurance policy for electric bikes in India. In the face of changing transportation laws, a clear understanding of regulations guarantees legal compliance and peace of mind for present and upcoming owners of electric bikes.

     

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

    Also Read:

  • PUC Certificate For New Bike: Meaning & Importance

    by Nitin Vishwakarma | Dec 05, 2024

    Understanding PUC For New Bike Permissible Level

    The pollution under control (PUC) certificate for a new bike is an essential document as it assures that the vehicle meets environmental standards. In India, the PUC for new bike ensures that vehicle emissions lie within permissible limits.

    Pollution Certificate For New Bike

    The pollution certificate required for a new bike is available at the time of purchase and is valid for one year. Once done, regular pollution control testing after every six months is mandatory. The PUC for a new two-wheeler is needed not only for legally operating your bike but also for renewing your two-wheeler insurance. Most insurance companies demand a valid PUC certificate for vehicle insurance renewal.

    This certificate ascertains the vehicle is environmentally friendly and doesn’t contribute to a growth in the level of pollution.

    A pollution certificate for a new scooter or any other two/four-wheeler is issued after conducting emission tests that measure pollutants such as carbon monoxide and hydrocarbons.

    Conclusion

    The Motor Vehicle Act 1989 clearly states for new bike when a pollution certificate is required— as soon as it is purchased. Renew your PUC on time to avoid fines and maintain bike insurance coverage for your vehicle.

  • Best Light Weight Scooty in India

    by Nitin Vishwakarma | Dec 03, 2024

    Have you been trying to find out which is the best light weight scooty in India? Finding the best light weight scooters in India is important for commuters, especially if they are regular users. These scooters are highly efficient, agile, and affordable. They are also perfect for easy riding across busy metropolitan streets. Let us find out which is the best lightweight scooty for you.

    7 Light Weight Scooty

    The fascination for the most light weight scooter in India continues to grow, mainly due to their ease of handling and fuel efficiency. Here is a closer look at seven of the most lightweight scooter in India —

    1. Odysse Electric V2:

    This electric scooter leads the charge with its innovative design and technology. The Odysse Electric V2 is available in two variants: Race Lite V2 and V2+ — each is designed to offer a unique riding experience. Its strong 1.3 KW battery can run at 25 km/h maximum speed and an impressive range of 150 km per charge. The waterproof motor and anti-theft lock system of this scooter provide additional security. The spacious boot area makes this scooter a great option for commuters who require more space. Apart from these, its cheap maintenance costs and energy efficiency help to explain why environmentally aware riders choose the Odysse Electric V2.

    1. Hero Electric Optima CX 2.0:

    Armed with a 1200 W brushless motor, the Hero Electric Optima CX 2.0 gives priority to performance together with environmental friendliness. Its top speed of 48 km/h and range of 89km per charge promise a comfortable trip. With a frame weight of just 93 kg, it is agile and easy to control in crowded city streets. The 2 kWh battery of is guaranteed to be reliable and has a four-year warranty, per the manufacturer. An anti-theft alarm system and regenerative braking are the two additional elements that increase its appeal and functionality.

    1. TVS Scooty Pep Plus:

    This two-wheeler is designed for young women and those who have never ridden two-wheelers before – it is a lightweight scooter with a sensible form. Less than 95 kg in weight, its engine runs on 87.8 cc. The fact that one can ensure sufficient mileage on daily trips adds yet another benefit. Its colourful look and simple design, together with its contemporary features—a USB charging port and a side stand alert — make it ideal for the younger generation that values form above use. Apart from a reasonably priced ride, the Scooty Pep Plus claims roughly 65km/l fuel economy. It also includes light-emitting diode daytime running lights (DRLs), which significantly raise daily riding safety.

    1. Bounce Infinity E1:

    The Bounce Infinity E1 is unique as it can be purchased either battery pack-equipped or without. The company allows consumers to rent the battery, thus purchasing the scooter for a lower amount. For a lot of people, this novel way simplifies buying an electric scooter. Its 1.9 kWh battery allows a run up to 65 km/h with a 70km range in one charge. Its high-tech characteristics include a fully LED lighting system, remote tracking system, and many riding modes to suit different urban environments and personal preferences.

    1. Suzuki Access 125:

    The way this scooter is built blends great performance with utility. With a fuel economy of 52 kmpl and a maximum speed of roughly 90kmph, the 124 cc engine of the Suzuki Access 125 offers just the correct power level without compromising efficiency. It boasts all the newest technologies, including Bluetooth, which lets riders handle calls and music without the need to stop. There is a large under-seat storage space and an optional external gasoline filler for daily convenience. Its simple design also makes starting easy, especially in chilly weather.

    1. TVS Scooty Zest 110:

    With a 109.7 cc engine that enables quick acceleration, a pleasant ride, and a maximum speed of about 80 kmph, the TVS Scooty Zest 110 is a fashionable and useful scooter. Among its several ergonomic aspects are a seat with two textures to reduce pressure points and encourage optimal comfort on long rides and a lit speedometer. For all your shopping and running errands needs, it has one of the biggest under-seat storage capacities in its class. The scooter's quick braking mechanism and lightweight construction make it easy to use and provide exceptional control.

    1. Honda Activa 6G:

    Riding the Honda Activa 6G appeals to many people due to its dependability and simplicity of control. Both strong and fuel-efficient, its 109.51 cc engine can run up to 50 kmpl. A telescopic front suspension and a three-step adjustable rear suspension are two of the many improvements to the ride quality and comfort that are part of the newest model's suite of enhancements. Modern conveniences found on the Activa 6G include an exterior fuel lid and an engine start/stop switch. For a more peaceful start, a silent starter has been installed, and for added security, lowering the side-stand cuts off the engine.

  • Selecting No Claim Bonus in Two-Wheeler Insurance

    by Nitin Vishwakarma | Dec 03, 2024

    Navigating No Claim Bonus (NCB) benefits is not just about selection. It involves strategic planning to lower your insurance costs while maximising its potential through claim-free years.

    How to Select NCB in Two-Wheeler Insurance

    Understanding how to select NCB in bike insurance involves knowing its nuances:

    1. Earned, Not Selected:

    NCB is automatically granted after a claim-free year to reward cautious riders.

    1. Renewal Benefits:

    Utilising NCB at renewal time can significantly reduce your premium costs. This makes it a valuable cost-saving aspect of bike insurance.

    Conclusion

    While NCB is not something you select, managing your two-wheeler insurance claims wisely ensures you benefit from this reward. It will also lead to substantial savings on your premiums over time.

  • Bike Pollution Certificate Price

    by Nitin Vishwakarma | Nov 15, 2024

    What Are The Bike PUC Certificate Charges

    Every biker must consider the environmental impact they make while they navigate their bike through city traffic. Hence, they need to know about the Pollution Under Control (PUC) certificate. Bike PUC certificate price is not just mandatory, it symbolises a commitment to cleaner air by paying a small fee. Let us understand how to obtain this certificate and PUC certificate charges.

    Pollution Under Control (PUC) Certificate Charges For Bikes

    PUC certificate price ranges from INR 60 to INR 100. PUC certificate cost varies by vehicle and fuel type, as well as by the state. The bike PUC price supports efforts to effectively monitor and manage pollution levels across different regions.

    Conclusion

    The rise in bike pollution certificate price is a small price for a big cause — the increment in bike PUC charges keeps bikers aware that they must contribute to protecting our environment. Staying compliant with PUC charges for 2-wheelers helps in reducing pollution and avoiding fines. Two-wheeler pollution certificate price is as crucial as maintaining a valid two-wheeler insurance to exhibit legal and environmental responsibility.

  • Steps to Find the Bike Chassis Number

    by Tanmay Ahuja | Oct 24, 2024

    Thinking about how to find the chassis number of the bike? It is your motorcycle's unique identifier - needed for registration, insurance claims, and confirming authenticity. Let us see how to easily find the bike chassis number online.

    How to find the bike's chassis number?

    Follow these steps to find the bike’s chassis number:

    Check the frame:

    Usually, a metal plate on a bike's frame will have the chassis number etched, stamped, or embossed into it. The most common location is next to the front fork, on the steering head or neck.

    Inspect the engine:

    If the chassis number is not visible on the frame, it might also be marked on the engine. This alternate location can be helpful if the frame marking is obscured or worn out.

    How to find the chassis number of the bike online?

    To find the chassis number online, follow these steps:

    Manufacturer's website:

    Enter your bike's information, registration, or engine number on the manufacturer's website. Many manufacturers offer a VIN lookup option to find the chassis number.

    Service records:

    Digital service records or emails from your bike's manufacturer or dealer might also include the chassis number.

    How to check the engine number of a motorbike?

    Just like the chassis number, the engine number is another unique identifier. It is usually stamped or engraved directly onto the engine block.

    To locate it:

    • Look at the engine casing, typically on the lower part of the engine
    • Refer to the bike’s RC, insurance papers, or owner’s manual
    • If the number is hard to read, gently wipe the surface with a clean cloth

    The engine number is essential for service records, insurance claims and when filing a police report in case of theft or loss.

    Conclusion

    Stop wondering now, "Where do I look to find my bike chassis number?" Always remember to get two-wheeler insurance for financial coverage against bike accidents, damage, and theft. Whether you’re opting for a basic plan or comprehensive bike insurance, these numbers are an important part of the identification process. Always keep a copy of these details stored digitally and physically—they could save you time and hassle when you need them the most.


    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.

  • Top Fastest Bikes In The World

    by Tanmay Ahuja | Oct 24, 2024

    The number one factor that attracts bike enthusiasts is a particular bike's speed. If you are a bike enthusiast, you are probably looking for the fastest bikes in the world currently.

    Let's look at the list of the fastest motorbikes in the world.

    World's Fastest Bikes

    S.No

    Bike

    Top Speed

    1

    Dodge Tomahawk

    676 km/h

    2

    Kawasaki Ninja H2R

    400 km/h

    3

    Kawasaki Ninja H2

    322 km/h

    4

    2000 MTT Y2K Superbike

    365 km/h

    5

    Lightning LS-218

    351 km/h

    6

    2021 Suzuki Hayabusa GSX1300R

    299 km/h

    7

    BMW M 1000 RR

    306 km/h

    8

    Aprilia RSV4 Factory

    305 km/h

    1. Dodge Tomahawk

    One of the fastest motor bike in the world, the Dodge Tomahawk can go from 0 to 60 mph in 2.5 seconds. The Dodge Tomahawk, first unveiled by Dodge in 2003 at the North American International Auto Show, grabbed attention as the first of its kind.

    Originally introduced as a concept, it later became available in limited production. Powered by a 500-horsepower 8.3-liter V10 engine borrowed from the Dodge Viper, the Tomahawk stood out for its unique design. With four wheels, experts still debate if it truly qualifies as a motorcycle despite resembling one. The independent suspension of the front and rear wheels allows the Tomahawk to lean into corners similarly to a motorcycle, making it a striking vehicle for speed.

    2. Kawasaki Ninja H2R

    The Kawasaki Ninja H2R stands out as one of the fastest motorbike on earth, capable of reaching speeds of up to 400 km/h (approximately 249 mph). Equipped with a 998cc supercharged inline-four engine, this bike is linked to a 6-speed gearbox. The Ninja H2R delivers a maximum power output of around 310 horsepower (with a ram air effect, this can reach up to 326 horsepower) at 14,000 rpm and 165 Nm of torque. The bike is available in just one variant, specifically designed for track use. The Ninja H2R features an 830mm seat height, a 1,450mm wheelbase, and 130mm ground clearance, contributing to its impressive performance and aerodynamic design.

    3. Kawasaki Ninja H2

    The Kawasaki Ninja H2, frequently touted to be the most fastest motorbike in the world, is priced at Rs. 79.90 lakhs. It comes in a single variant with one color option. It features dual semi-floating front disc brakes and a rear disc brake for enhanced safety. Powered by a 998cc supercharged inline-4 DOHC engine, it produces 228 hp and can reach a top speed of 322 km/h. The bike generates a maximum torque of 123 to 133 Nm

    4. 2000 MTT Y2K Superbike

    MTT created the first turbine-powered street-legal motorcycle and one of the most powerful production bikes in the world, the MTT Y2K Superbike. The first generation Y2K was equipped with a Rolls-Royce Allison gas turbine engine that produced more than 320 horsepower and 425 ft/lbs of torque. The top speed was recorded at 365 km/h. The MTT Y2K holds two Guinness World Records:

    • The most expensive production motorcycle (at the time).
    • The most powerful production motorcycle.

    MTT engineers and manufactures these bikes in-house, fabricating them from solid billets with minimal reliance on external vendors.

    5. Lightning LS-218

    The Lightning LS-218, the fastest production bike, has a top speed of 351 km/h. It can accelerate from 0 to 60 mph in less than 2 seconds. With a DC fast charger, it can charge in as little as 30 minutes. The bike features Brembo brakes, with dual discs at the front and a single disc at the rear. It also has a liquid-cooled direct-drive electric motor, producing 227 Nm of torque and 202.78 bhp of power.

    6. 2021 Suzuki Hayabusa GSX1300R

    The 2021 Hayabusa introduces several updates while retaining much of its original design. Suzuki kept the same 1340cc inline-four engine, famous for its powerful midrange performance and durability. Unlike other modern bikes, the 2021 Hayabusa doesn't include variable valve timing, unusual firing intervals, or forced induction. Although Suzuki considered other engine designs, they ultimately chose to stick with their reliable architecture. For 2021, they focused on making the engine more durable, upgrading the electronics, and improving power and torque delivery, especially at lower speeds. The bike also meets Euro 5 emission standards.

    7. BMW M 1000 RR

    The BMW M 1000 RR is another top contender among the world's fastest bikes, capable of reaching a top speed of 306 km/h. The BMW M 1000 RR comes in two variants:

    • The M 1000 RR Standard
    • The M 1000 RR Competition

    It features a 999cc inline-four engine paired with a six-speed gearbox and offers a fuel efficiency of 15.3 kmpl.

    8. Aprilia RSV4 Factory

    The Aprilia RSV4 Factory starts at approximately Rs. 21.26 lakh. It is equipped with a 1099cc BS6 engine that produces 217 bhp of power and 125 Nm of torque. The bike has a sporty design with a kerb weight of 202 kg and a fuel tank capacity of 17.9 liters.

    Conclusion

    In this blog, we have discussed a list of the fastest motor bikes in the world and their features in detail. Remember, no matter what bike you buy, it is imperative to protect yourself with adequate two-wheeler insurance. This is also a mandatory requirement in the country.

  • VIN vs Chassis Number: Key Differences

    by Tanmay Ahuja | Oct 24, 2024

    When identifying any vehicle, two critical numbers become the hot topic of discussion. They are the chassis number and the VIN (Vehicle Identification Number). Knowing and understanding the difference between chassis number and VIN is necessary for the registration, resale, tracking, and safety purposes of a vehicle. Although their objectives are the same, chassis number and VIN are different based on some factors.

    What is chassis number in bike?

    The chassis number in a bike is a unique identification code assigned to the bike's frame by the manufacturer. It helps in identifying the make, model and year of manufacture of your two-wheeler. This number is important when registering the vehicle, claiming warranty and also when buying or renewing your bike insurance.

    What is VIN in bike?

    The Vehicle Identification Number (VIN) is a 17-character alphanumeric code that is a complete identity of your bike. It includes information about the manufacturer, engine type, place of manufacture and other key specifications. The VIN often includes the chassis number and can be found on the steering head, engine casing or registration documents of the bike.

    When applying for bike insurance, especially comprehensive bike insurance, insurers require the VIN to correctly identify the vehicle and assess the premium based on its specifications.

    What's the difference between a VIN and a chassis number?

    The following are the differences between chassis numbers and VIN:

    • Definition:

    VIN refers to a Vehicle Identification Number. Each vehicle receives this unique 17-character code at the time of its manufacture. This code provides valuable information about the car, such as the model and year it was made.

    The chassis number is an abridged code that tracks down a vehicle's frame or chassis.

    • Format:

    The format of a VIN is standardised and includes a combination of 17 alphanumeric characters. It is integrated according to an international format in letters and numbers.

    The format of a chassis number may be variable. It depends on the maker and, of course, the age of the vehicle.

    • Purpose:

    Another difference between VIN and chassis numbers is based on their usage or purpose. The VIN is used globally for vehicle registration, insurance, and tracking. It provides the overall history of the vehicle.

    On the other hand, the chassis number is mainly used for identification and tracking purposes in specific contexts or regions.

    Conclusion

    The difference between VIN and chassis number lies in their format and standardisation. Remember that the chassis number is a part of the VIN, and the last six digits of a car's VIN form its chassis number. While it is important to know about vehicles and their make, it is equally vital to get two-wheeler insurance to get financial protection in case of accidents, damage, and theft.

     

  • Checking Bike VIN Number Easily

    by Tanmay Ahuja | Oct 24, 2024

    Are you curious about checking motorcycle VIN (Vehicle Identification Number)? This unique code is important for verifying a bike's history, insurance details, and authenticity. It is etched on your bike's frame or engine block and also appears on registration documents. Let us help you better understand bike VIN checks and how to find and use this indispensable number to your advantage.

    How To Find A Bike's VIN?

    Start by examining the frame under the handlebars or the neck by checking a motorcycle VIN number. The Vehicle Identification Number (VIN) is also stamped on the engine block. If checking the bike is not feasible, your registration certificate and insurance documents will list the VIN. This number is essential for verifying legal records and handling recalls or sales.

    Conclusion

    Keeping your bike's VIN handy is crucial. This number verifies your motorcycle's history, ensures its authenticity, and simplifies legal processes. The VIN is your key to accurate and swift handling of all matters concerning your motorbike. Remember to get two-wheeler insurance for financial protection against accidents, theft, and damage.

  • What Does Bike VIN Mean & Its Importance?

    by Tanmay Ahuja | Oct 24, 2024

    A bike VIN (vehicle identification number) is a necessary code. This unique alphanumeric arrangement helps identify and trace two-wheelers. The VIN number in a bike establishes its legitimacy as a private or commercial vehicle and assists in the registration process.

    What is a Bike's VIN?

    The motorbike VIN is a 17-character code that contains information about the bike's maker, model, and manufacture year. It's essential for purposes like buying, selling, and insuring a motorcycle.

    Knowing your motorcycle VIN ID will help you buy the best available two-wheeler insurance, which provides financial coverage against accidents, theft, and damage. Insurance companies use vehicle identification numbers to determine a bike's risk profile and value.

    Conclusion

    The bike VIN is a proper arrangement of numbers and letters, each indicating specific information about the vehicle. You can interpret VIN as your motorbike's fingerprint.

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