With India facing a surge in vehicle registrations and congested roads, adherence to traffic rules becomes crucial. Wrong-side driving, a common violation, contributes significantly to road accidents. This blog delves into the consequences of wrong-side driving in India, emphasising recent changes in the Motor Vehicle Act and the associated fines. Understanding the implications of this wrong side driving fine is essential for fostering a safer driving culture.

Wrong side driving fine for bike

Despite stringent traffic laws in India, wrong-side driving remains a pervasive issue, leading to numerous fatalities and accidents. In 2019, wrong-side driving resulted in 9200 deaths, with 2726 occurring on the National Highways. This menace accounted for 6% of accidental deaths in 2020. In response to these alarming statistics, the Ministry of Road Transport and Highways has amended the Motor Vehicles Act 1988 in India, increasing fines for violations, and amending the wrong side driving fine too.

Driving on the wrong side of the road is met with penalties ranging from ₹500 to ₹1000. This traffic violation is a non-compoundable offence in some states, requiring offenders to appear in court rather than settle the fine on the spot. Additionally, authorities might send riders to prison for up to three months due to wrong-side driving.

The penalty process involves traffic police stopping the offender and checking relevant documents. Traffic police officers might issue a wrong-side driving challan for the violation. If we fail to produce the necessary documents, such as a driver's licence, registration certificate (RC), or pollution under control certificate (PUCC), it will result in additional fines. In cases of disasters such as accidents, it may even lead to the suspension of the driving licence for up to 3 months.

Other violations, such as speeding over the prescribed limit, skipping red lights, driving under the influence, not wearing helmets, using cell phones while driving, etc., can also lead to hefty fines. Always remember to carry the necessary documents while riding your two-wheelers.

Conclusion

Wrong-side driving severely threatens road safety, leading to accidents and fatalities. Recent amendments to the Motor Vehicles Act 1988 have elevated fines for this violation, making it a non-compoundable offence. Adhering to traffic rules is crucial for fostering responsible driving habits and ensuring the safety of all road users. For comprehensive protection, consider securing your bike insurance online today.

Purchasing a car is not a one-time expense. You will need to set aside some of your earnings to cover its operational and maintenance costs. Even minor car damage can result in significant repair bills. But, if you have a comprehensive motor cover, you won't have to worry about maintenance. Insurance provides financial assistance if repair costs are incurred as a result of an accident, fire, or other tragic events. Also, you will be compensated if you lose your car to theft or total damage.

While driving a car, a few incidents are unavoidable; a dent is just one of them. It is critical to understand the claim process to avoid any last-minute hassles.

How to claim insurance for a car dent in India?

Follow these steps to raise a car insurance claim:

• Notify your insurer: Notify your insurer as soon as possible following the accident that damaged your vehicle. You can dial the toll-free number to reach the claim support team.
• File an FIR: If the claim is for theft or an accident, you must file an FIR with the nearest police station.
• Save the claim number: When you submit your claim request, you will be given a claim acknowledgement number. Save this number for future reference. You will need it to track your claim status.
• Inspection: Your insurer will dispatch a surveying officer to assess the extent and nature of the loss. The officer will prepare a report based on his/her evaluation and send it to the claim support team.
• Garage appointment: Following the inspection, you will be given a list of nearby network garages. You can arrange to have your vehicle towed and the repairs completed. You may also visit a non-network garage. In that case, you cannot avail of the cashless claim facility and will have to file a reimbursement claim.

Following the completion of the preceding steps, the insurer will settle the claim.

Documents required for the claim settlement process

Make sure you have the following documents handy to ensure your claim is settled smoothly.

• Submit the duly filled claim application form
• FIR copy is mandatory if the claim is related to accidental damage or theft
• You must provide a copy of your vehicle's registration certificate as well as the driver's licence of the person driving the car at the time of the accident
• If the vehicle in question is purchased on loan, you must obtain a No Objection Certificate from your lender. It will be required as part of the claim procedure.

Factors to consider before filing a claim for car dent

As said, dents are unavoidable. If you file a claim for it, keep the following drawbacks in mind:

• A dent claim will result in the loss of your No Claim Bonus Car Insurance, eventually raising the policy premium during renewal.
• Car insurance comes with a compulsory deductible. You must pay this amount at the time of filing your claim. It makes no sense to go through the claim process if the deductible and claim sum are equal.

Conclusion

If you have purchased car insurance online, making a claim for a dent is a straightforward process when you follow the correct steps and have the necessary documentation. However, always assess whether making a claim is financially beneficial, considering its impact on ncb in car insurance and policy renewal costs. Being informed about all the details of your insurance policy and being proactive while making claims, is the best way to keep your vehicle in the best shape and ensure optimum maintenance of your finances.

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. 

Are you looking to buy a new bike but worried about the cost burning a hole in your pocket? You’ve come to the right place! No matter which type of rider you are - daily commuter, weekend warrior, and long-distance traveller – there's a two-wheeler for you in the list below, that too under ₹2.5 lakh. And while you’re checking these out, also ensure to research and figure out the right bike insurance policy to protect your new vehicle and you.

Top 5 bikes under ₹2.5 lakh

1. Triumph Speed 400 MY25

If you are looking for a 400cc monster, then don't look any further than Triumph Speed 400 MY25. The motorcycle is priced at ₹2.40 lakh (ex-showroom) and has beautifully blended the classic British design with modern engineering. It offers a great riding experience and fuel efficiency. This updated version gets a span adjustable clutch and brake levers and is now available in four new colours.

2. KTM 250 Duke

This bike offers a lethal combo of performance and style, making it a popular choice among young riders.The robust brakes complement the impressive acceleration. Priced at ₹2.5 lakhs (ex-showroom), it comes with many digital features that enhance the safety quotient. Although it takes design inspiration from the 390 Duke, the colour scheme differs.

3. TVS Apache RTR 310

The TVS Apache RTR 310 would be a great bet for people who love modern features and technology. It makes a formidable entry into the 300cc sports bike segment, and the low-slung front end, muscular fuel tank, traction control, cruise control, and bi-directional quick shifter add to its stature. TVS Apache RTR 310 price starts at ₹2.49 lakh (ex-showroom).

4. Jawa Perak

If you're looking for an attention-grabbing bike that makes heads turn, the Jawa Perak is worth considering. The classic bobber design has ample power for city riding and highway cruising. The bike is meant for lone-wolf personalities since there is no space for a pillion rider. The price for its standard variant starts at ₹2.15 lakh (ex-showroom).

5. Royal Enfield Scram 411

The Royal Enfield Scram 411 is for riders who appreciate Enfield's classic look and comfortable riding and need a vehicle that can handle city streets and light off-road trails. This versatile scrambler offers an enviable blend of style and performance. The lighter kerb weight and smaller front wheel provide a pleasing riding experience. Royal Enfield Scram 411 price starts at ₹2.05 (ex-showroom).

Conclusion

With so many fantastic options available, customers today are spoilt for choice. However, just like you will buy a sturdy helmet and other accessories to protect yourself, shield your vehicle with a bike insurance policy offering a broad coverage scope.

India, with its rapidly growing population and urbanisation, faces a lot of challenges in ensuring road safety rules. When a person drives a two-wheeler on the road, it becomes important to ensure that they are following the road safety instructions. The foremost safety rule while driving a two-wheeler is wearing a suitable helmet. Wearing a helmet ensures that a person’s head and face are saved from major injury if there is an accident on the road. Moreover, having a third-party insurance policy for two-wheelers is also mandatory as per the Motor Vehicles Act in India.

What are the helmet laws followed in India?

According to the Motor Vehicles Act (1988), people on two-wheelers must wear helmets. Over the years, several amendments have been made to the Motor Vehicles Act so that it has more inclusions and covers a wide range of aspects when it comes to riding on the roads in India. For instance,

• The Motor Vehicles (Amendment) Act 2019 made some additions to clause 63, which includes increased penalties for several traffic offences. The amendment made was an increased penalty for not wearing a helmet.
• Section 129 of this Act mentions that any individual aged 4 years and above has to compulsorily wear protective headgear or helmet while riding a bike, and this rule applies to both the drivers and the pillion riders.
• Section 129(a) states that helmets should be of quality materials and have a shape that offers maximum protection to the people wearing them.
• Section 129(b) states that fastening the helmets properly to the head of the driver and the pillion rider is a must.
• As per Section 194D of the Act, if we don’t comply with the helmet rules in India, we might have to pay a fine of Rs. 1000 or face licence suspension for three months.
• A turban-wearing Sikh is exempt from the motorcycle helmet laws in India.

Conclusion

A person should follow the new regulations made by the Motor Vehicles Act on helmet rules in India, as avoiding the use of a helmet can prove harmful. Make a habit of wearing helmets, and also make sure to inculcate this habit in your family members to ensure their safety. Additionally, ensuring your bike insurance is up-to-date is crucial for comprehensive protection on the road. Also, there should not be more than two riders on board under any circumstances, irrespective of their age, because this will help you travel safely.

Maintaining your bike is critical for a smooth, safe, and enjoyable ride. Regular upkeep not only extends its lifespan but also reduces repair expenses. Here are some practical bike care tips to keep your ride in excellent condition.

Tips to keep your bike in good shape

These are some fundamental motorcycle care tips to ensure your bike operates at optimal capacity:

1. Regularly check and change engine oil

This is one of the most essential bike service tips. Engine oil is a lifeline for any smoothly running bike. Properly lubricating the engine parts can minimise friction and prevent overheating. Therefore, it is necessary to check the oil level regularly and change it according to the specifications in your bike's manual. Too little or dirty oil can cause severe damage to your engine, so keep a check on it, especially when riding through dusty areas.

2. Maintain the battery

Your bike's battery is also crucial. Check the cleanliness and ensure tight connections of the terminals. Regularly inspect the fluid level and top up with distilled water if low. If the bike won't be used for an extended period, you may disconnect the battery to prevent drainage.

3. Ensure tyre maintenance

Your tyres are the contact between your bike and the road; therefore, it is paramount that you ensure they are always in good condition. Check their pressure regularly and inflate as recommended by the manufacturer. Also, keep an eye out for any wear and tear and replace them as needed. Proper care for your tyres guarantees fuel efficiency and a much safer ride.

4. Don't let the brakes deteriorate

Effective brakes are crucial for road safety, so it's essential to ensure they are in excellent working condition. Regularly check the brake fluid level and consider replacing it every 1 or 2 years. If you notice any unusual noises when you brake, have them inspected immediately, as it could be a critical safety issue.

5. Clean the air filter regularly

The filter prevents dust and other matter from interfering with the engine. This filter will usually get clogged after a while, reducing the performance of your bike. Keep them clean and replace the air filter regularly to ensure top-notch performance and fuel efficiency for your engine.

6. Maintain the engine properly

New bike owners frequently wonder how to maintain the bike engine. It is through its engine that a bike comes alive. Regularly check and clean the carburettor, spark plugs, and other components. Ensure the spark plugs are correctly gapped and in good condition. By consistently practising bike engine care, you can ensure it rides smoothly year after year.

7. Lubricate the chain

The bike's chain has to be cleaned and oiled from time to time. Dirt and other deposits can be removed with a soft-bristled brush, after which it needs to be lubricated with engine oil or any other rubbing material. Properly caring for the chain ensures smooth power transmission from the pedals through the chain to the rear wheel and prevents wear and tear.

8. Keep your bike clean

Regularly cleaning your bike ensures it remains rust-free and looks its best. Use a mild cleansing liquid and a soft cloth to clean your motorcycle; avoid harsh chemicals or abrasive cleaners that could damage the paint. Pay attention to areas like the wheels and undercarriage, where dirt tends to gather.

9. Follow the manufacturer's manual

Your bike's manual is a very valuable resource. This manual is how to maintain a smooth bike engine experience. It contains detailed information on the schedules of maintenance, the kinds of oil to use, tyre pressures, and so much more. Following all of these recommendations will ensure that your bike performs well throughout its life.

10. Opt for comprehensive bike insurance

While third-party insurance is compulsory, comprehensive two-wheeler insurance has a broader reach. It safeguards your bike from natural catastrophes, theft, or accidents. Renewing your bike insurance on time continues the policy and secures financial protection against damages.

11. Regularly service your bike

It is necessary to have periodic servicing by a professional. All parts of the bike will be thoroughly examined during each service, and any parts needing repair or replacement will be noted. This helps keep your bike to run smoothly and allows you to identify any issues early with regular servicing.

12. Clutch adjustment

This is an essential two-wheeler maintenance tip. A well-adjusted clutch is vital for smooth gear shifting. Check that the clutch is regularly adjusted and neither tight nor loose. Proper adjustment of the clutch prevents excessive wear and saves fuel.

13. Pay attention to the suspension

There is much about the suspension in your bike that relates to handling and comfort. Regularly check all suspension parts for wear. Replace any worn-out parts to assure a smooth and, more importantly, safe ride.

14. Maintain proper documentation

Keep all the bike-related documents in order, such as the insurance policy, registration, servicing record, etc. Renew your two wheeler insurance on or before the due date by setting a reminder for the renewal. Proper documentation helps during both law enforcement and claim procedures.

Conclusion

By following these simple motor bike maintenance tips, you will be able to keep your bike in excellent condition for many years to come. Regular checks and replacements not only improve the performance and lifespan of your motorcycle but also enhance safety and riding pleasure. A well-maintained bike is more than just a machine; it's a trusty companion on the road.

Remember that time you were feeling the wind in your hair while cruising down the street on your favourite two-wheeler when suddenly, the screeching halt sound made you feel scared? Don't let a lapsed insurance plan put a damper on your rides; get a bike insurance renewal and enjoy rides on long, quiet roads.

To save time, you can also opt for two-wheeler insurance online. The blog will break down the 2-wheeler insurance renewal process into simple steps using easy-to-understand terminology to ensure your bike insurance renewal experience is a breeze.

Details Required for Bike Insurance Renewal

• It is mandatory to own a valid bike insurance policy to cruise on Indian roads. Two-wheeler owners must have at least third-party liability insurance for legally compliant and stress-free driving. Bike insurance comes with a validity; you need to renew it before it expires.

• Documents and details required for 2-wheeler insurance renewal in India are details of the policyholder (like name, DOB, address, gender, etc.), a copy of identity proof (such as Passport, Driving Licence, PAN Card, etc.), a copy of address proof (Voter ID, Passport, Aadhar Card, etc), registration number and certificate of the two-wheeler, details of the policyholder's DL, insurance policy number and details of your preferred online payment option.

Now that you know the details required for bike insurance renewal, we will explore how to renew two-wheeler insurance online through easy-to-follow steps in the following section. Also, you must understand that maintaining bike insurance validity is crucial to enjoying coverage in the hour of need because emergencies arrive unannounced.

Steps to Renew Two-Wheeler Insurance Online

Two-wheeler insurance online renewal is simple and fast. You can purchase a new insurance plan and renew existing ones at your convenience. You can begin by visiting your insurer's website. Usually, it doesn't consume much time if your internet/Wi-Fi is reliable and fast.

Alternatively, policyholders can also compare different bike insurance options available in the market through comparison websites and change insurers for better and more comprehensive coverage. You can refer to the following four steps to renew your bike insurance and continue your bike protection against financial risk due to accidents, theft, etc.

Step 1: Visit your insurer's website, browse policy renewal, and click on the policy renewal button.

Step 2: Enter the registration number of your two-wheeler and fill out the form.

Step 3: The form for the 2-wheeler insurance renewal requires information, including the bike owner's details, vehicle and nominee details, address, etc.

Step 4: In the last step, explore payment options and pay the premium to conclude the bike insurance renewal process.

The guidelines and details required for two-wheeler insurance renewal vary from one insurer to another. Therefore, it is advisable to cross-check the procedure and documents needed for bike insurance from your existing insurer. Also, online mode is preferable for 2-wheeler insurance renewal because it is easier, faster, reliable, and possible from anywhere and anytime.

Ensuring bike insurance renewal happens at the right time has its advantages. Policyholders get timely notifications about expiry dates, exclusive offers from time to time, new schemes and policies, referential benefits, and more. Therefore, do not wait until the eleventh hour; renew your bike insurance now for stress-free rides.

Conclusion

This is all about how to renew two-wheeler insurance online for your quick reference. Ask your insurer today for the latest rules and policies regarding policy renewal and renew bike insurance online before the expiry date. It is essential and statutory as per the Motor Vehicles Act of 1988.

Updated on 10-04-2025

As per the IRDAI guidelines, it is legally mandatory for all two-wheelers plying on the roads to possess valid insurance coverage. Under the Motor Vehicles Act (1988), every biker must carry an active two-wheeler insurance policy. It is essential to renew your two-wheeler insurance online promptly to ensure it doesn't lapse, you remain compliant with the law, and you have complete peace of mind.

What Happens When Your Bike Insurance Policy Expires?

You can opt for online or offline bike insurance renewal after expiry. However, the duration of this grace period differs among insurers. If you do not renew your policy within the grace period, it will be considered as a break-in case. Your bike insurance policy could be discontinued if you exhaust the grace period; you will also lose your accumulated NCB and will have to purchase a new policy. Thus, renewing your policy as soon as possible is wise.

You can opt for a two-wheeler insurance renewal online after expiry; insurers do not levy any additional charges for choosing the online renewal mode. There is also no need for the insurer to inspect your bike. However, the coverage will begin three days after the insurer receives the payment.

How to Renew Lapsed Two-wheeler Insurance?

Timely renewal of two-wheeler insurance online offers protection against unforeseen events. Here are the necessary steps for how to renew bike insurance online after expiry -

1. Assess Your Coverage Needs: To renew your bike insurance policy, review your coverage as your needs change from time to time.
2. Visit the Insurer's Website: If you have already chosen an insurer or want to find a new one and port your policy, you could go to the website of your previous or new insurance provider.
3. Input the Requisite Details: You must provide the registration number of your bike, the lapsed insurance policy number, and all the other required details pertaining to the renewal of your policy, like a copy of the previous policy and renewal notice sent to you by your insurer. You will also need your Driver's License and photographs.
4. Policy Selection: Choose a plan that meets your needs and budget. Opt for add-on covers to widen the policy's scope of coverage. Check your bike's IDV (i.e., insured declared value) and select the appropriate one.
5. Make the Payment: You can make the payment via your debit/credit card, UPI, or any other preferred online mode. Upon successful completion of the payment process, you will receive the soft copy of your bike insurance policy in your email ID.

If you choose the offline renewal mode, an inspection of your vehicle becomes mandatory. You will have to take your bike to the insurer's nearest branch along with the requisite documents. If the insurer finds all documents in order, you will start receiving coverage within two working days.

The insurer will refer your case to the underwriter if you decide to renew your policy after one year or a longer duration.

Lapsed Bike Insurance Renewal: Things to Consider

When renewing an expired bike insurance policy, keep the following in mind:

1. Vehicle Inspection: Insurers often mandate a bike inspection to assess its condition before approving the renewal.
2. Policy Terms Review: Use this opportunity to reassess your coverage needs. You might want to opt for additional riders or modify existing ones based on your current requirements.
3. Premium Rates: Be prepared for potential changes in premium amounts, especially if there's been a significant gap since the policy lapsed.
4. Documentation: Ensure all necessary documents, such as previous policy details, bike registration papers, and personal identification, are readily available.

How to Avoid Lapses in Bike Insurance Renewal?

Preventing a policy lapse is crucial for continuous protection. Here are some strategies:

1. Set Reminders: Mark your calendar or set digital reminders a month before the policy's expiry date to initiate the renewal process timely.
2. Automatic Renewals: Some insurers offer auto-renewal facilities. Enrol in such programmes to ensure uninterrupted coverage.
3. Stay Updated with Contact Information: Ensure your insurer has your current contact details to receive timely renewal notifications.

Benefits of Renewing a Lapsed Bike Insurance Policy Online

Renewing your bike insurance online offers several advantages:

1. Convenience: Renew your policy from the comfort of your home at any time.
2. Quick Processing: Online renewals are typically faster, with immediate policy issuance upon payment.
3. Easy Comparisons: Digital platforms allow you to compare multiple policies and select the one that best suits your needs.
4. Secure Transactions: Reputable insurance websites ensure secure payment gateways for safe transactions.
5. Digital Documentation: Receive your policy documents electronically, reducing paperwork and ensuring easy access.

Conclusion

It is essential to renew your two-wheeler insurance online before it expires to maintain legal compliance and ride your vehicle with peace of mind. However, if you do miss the renewal date, renew your lapsed bike insurance policy online in a few easy steps. Being aware of the process of renewal makes sure that you take the right steps and that your bike enjoys the continued extensive coverage comprehensive bike insurance offers.

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

NCB, or no-claim bonus, is a reward to the insured for his/her safe driving and claim-free years during the policy's tenure. This NCB rate is expressed as a percentage in your policy document. With every year that passes without a claim, you qualify for a higher NCB rate. But how do I check NCB in bike insurance?

Here, we will understand how the no-claim bonus in two-wheeler insurance is calculated and the importance of NCB in bike insurance. So, continue reading to find out.

How is NCB In Two-Wheeler Insurance Calculated?

So, how to calculate NCB for bike insurance?

Starting from the second policy year, you become eligible for a No-Claim Bonus if you have made no claims on your two-wheeler insurance in the first year. This is a reward for safe driving and maintaining a claim-free record.

1. Discount: A 20% discount on the premium awaits if you have raised no claims in the first year. This discount applies specifically to the own damage component of your insurance policy.
2. Benefit: For each subsequent claim-free year, the NCB percentage increases. Normally, the NCB discount progresses as follows:
3. After 1 Year: 20% discount
4. After 2 Years: 25% discount
5. After 3 Years: 35% discount
6. After 4 Years: 45% discount
7. After 5 Years: 50% discount
8. Maximising NCB: If you drive safely and do not make any claims for 5 consecutive claim-free years, you can enjoy up to 50% discount on your own damage portion of your premium.

Example of NCB Calculation: Rakesh pays a premium of Rs ₹8,000 for his bike insurance. If he drives cautiously and makes no claims in the first year, he qualifies for a 20% NCB. After the 20% discount, Rakesh's premium for the second year is reduced to Rs ₹6,400. With every passing year, the discount increases for each claim-free year for up to five years.

Why No- Claim Bonus is Important?

The No-Claim Bonus (NCB) is important for policyholders for the following reasons: -

1. Rewards Safe Driving: NCB rewards policyholders for safe driving and not making any insurance claims during the policy period. This encourages policyholders to drive carefully, which is important for their own safety and the community's.
2. Significant Premium Discounts: NCB provides a significant discount on the premium amount at the time of policy renewal. This discount can start at 20% and go up to 50%. Over time, this can significantly reduce the cost of insurance.
3. Cumulative Benefit: The value of the NCB increases with each consecutive claim-free year. It acts as a financial incentive to maintain a clean driving record over the years.
4. Transferable: NCB is linked to the policyholder, not the vehicle. This means if you decide to buy a new bike, you can transfer the NCB from your old vehicle to the new one.
5. Acts as a Claim Deterrent: Knowing that making a claim can reset the NCB to zero, policyholders are often deterred from making small or unnecessary claims.

Conclusion

A no-claim bonus is essentially a reward for safe driving practices and refraining from making unnecessary claims. It provides significant discounts on your two-wheeler insurance premiums. However, you must keep renewing your bike two-wheeler insurance plan on time, as a lapse will lead to the NCB accumulated over the years getting reduced to zero.

Updated on 16 Nov 2025

When you own a two-wheeler in India, insurance is not just a legal requirement; it’s your financial safety net.

But did you know you can save on premiums simply by being a responsible rider? This is where the no-claim bonus (NCB) comes into play. If you haven’t made any claims during your third-party bike insurance policy term, you are rewarded with a discount on your next premium.

This blog explores how to calculate the no-claim bonus in your insurance policy and ways to maximise it.

What is a No-Claim Bonus (NCB)?

NCB, or no-claim bonus, is a reward to the insured for their safe driving and claim-free years during the policy's tenure. This NCB rate is expressed as a percentage in your policy document. With every year that passes without a claim, you qualify for a higher NCB rate.

How is NCB in two-wheeler insurance calculated?

The No-Claim Bonus (NCB) is a discount offered on the own damage premium of a two-wheeler insurance policy for every claim-free year. It starts from the second policy year and increases with each consecutive year without claims.

Discount

A 20% discount on the premium awaits if you have raised no claims in the first year. This discount applies specifically to the own damage component of your insurance policy.

Benefit

For each subsequent claim-free year, the NCB percentage increases. Normally, the NCB discount progresses as follows:

• After 1 Year: 20% discount
• After 2 Years: 25% discount
• After 3 Years: 35% discount
• After 4 Years: 45% discount
• After 5 Years: 50% discount
  
  

Example of NCB Calculation: Rakesh pays a premium of ₹8,000 for his bike insurance. If he drives cautiously and makes no claims in the first year, he qualifies for a 20% NCB. After the 20% discount, Rakesh's premium for the second year is reduced to ₹6,400. With every passing year, the discount increases for each claim-free year for up to five years.

Why No-Claim Bonus is important

The no-claim bonus (NCB) is important for policyholders for the following reasons:

Rewards safe driving

NCB rewards policyholders for safe driving and not making any insurance claims during the policy period. This encourages policyholders to drive carefully, which is important for their own safety.

Significant premium discounts

NCB provides a significant discount on the premium amount at the time of policy renewal. This discount can start at 20% and go up to 50%. Over time, this can significantly reduce the cost of insurance.

Cumulative benefit

The value of the NCB increases with each consecutive claim-free year. It acts as a financial incentive to maintain a clean driving record over the years.

Transferable

NCB is linked to the policyholder, not the vehicle. This means if you decide to buy a new bike, you can transfer the NCB from your old vehicle to the new one.

Acts as a claim deterrent

Knowing that making a claim can reset the NCB to zero, policyholders are often deterred from making small or unnecessary claims.

How to maximise your No-Claim Bonus (NCB)?

If you drive safely and do not make any claims for 5 consecutive claim-free years, you can enjoy up to a 50% discount on your own damage portion of your premium.

Here is how you can maximise the chances:

• Always ride safely and follow traffic rules.
• Opt for small out-of-pocket repairs instead of filing claims.
• Install anti-theft devices approved by the insurer.
• Renew your two-wheeler insurance online on time to avoid losing accumulated NCB.
• Avoid lapses in coverage by setting reminders for premium payments.
• Choose trusted workshops to keep your bike in good condition.
• Transfer your NCB when buying a new bike to retain the benefit.
• Review your policy annually to ensure adequate protection.
• Consider a long-term policy to safeguard NCB for multiple years.

How to select or apply NCB during renewal?

Here is how to select or apply your no-claim bonus during policy renewal:

• Check your current policy documents to confirm your existing NCB percentage.
• Renew your policy before the expiry date to avoid losing your accumulated bonus.
• When renewing online, carefully select the NCB percentage.
• If switching insurers, request an NCB certificate from your previous insurer.
• Avoid making any false declarations.
• Compare renewal quotes from different insurers to maximise your NCB savings.
• Ensure your renewed policy schedule clearly mentions the correct NCB percentage.

Conclusion

A no-claim bonus is essentially a reward for safe driving practices and refraining from making unnecessary claims. It provides significant discounts on your two-wheeler insurance premiums. However, you must keep renewing your two-wheeler bike insurance plan on time, as a lapse will lead to the NCB accumulated over the years getting reduced to zero.

While you focus on riding safely and keeping your bike in top condition, let us help you protect it financially. Get tailored bike insurance advice and renewal assistance by filling out the form provided on this page.

FAQs

•    How do I check if my NCB is applied correctly?

Verify the NCB percentage mentioned in your renewal quote or policy schedule against your previous policy records.

•    Can I transfer my NCB when changing insurers?

Yes, you need to request an NCB certificate from your old insurer to carry it forward to your new policy.

•  What happens if I forget to select my NCB during renewal?

You may lose the discount, so always confirm your NCB percentage while renewing online or offline.

•   Is NCB available if I make a small claim?

Even a small claim can reset your NCB to zero, unless you have an NCB protection add-on.

•    Can insurers reject my NCB claim if I declare it incorrectly?

Insurers can cross-check your claim history and adjust or cancel your NCB if it is misreported.

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

Have you ever been intrigued by the diverse types of bikes in India? With a variety of terrains to ride on, Indian bike enthusiasts can explore a broad spectrum of bikes. The different types of bikes in India cater to various tastes, ensuring a perfect choice for every rider, whether for daily commutes or adventurous journeys. Read on to learn more about all the bikes available on the market.

Different Types of Bikes in India

The two-wheeler sector has expanded rapidly by introducing different types of two-wheelers in India that cater to affordability, convenience, and high mileage. All types of bikes in India are designed to meet specific riding requirements and preferences. Here are some examples:

1. Street Bikes:

   Often referred to as ‘naked’ motorcycles due to their economical design, these bikes dominate the Indian market. They typically lack a windscreen or fairing, making them ideal for beginners as their minimal bodywork reduces damage during minor accidents. Popular models like the Bajaj CT100 are highly sought after for their durability and ease of maintenance, making them a practical choice for everyday use.

1. Cruiser Bikes:

   These bikes are known for their torque-heavy and relaxed engines. They are perfect for smooth road trips and are well-suited to Indian traffic conditions. Iconic brands like Harley Davidson are prominent in this segment. For those seeking high-end cruisers but limited by budget, a two-wheeler loan could be helpful. These bikes typically offer a more relaxed riding posture and more comfortable seating configurations, enhancing the long-distance riding experience.

1. Dirt Bikes:

   Dirt bikes are crafted for off-road experiences, although they occupy a smaller segment of the market. They navigate challenging terrain such as gravel, mud, and sand. These bikes usually feature higher price tags; models like the Kawasaki KLX110 and KLX450R belong to this category. Their robust build and specialised suspension systems enable them to tackle the most challenging terrain.

1. Sport Bikes:

   These bikes are ideal for enthusiasts who enjoy long journeys and exploration, as they are designed for both on- and off-road use. They are primarily crafted for racetrack performance and typically offer lower fuel efficiency. Potential buyers might consider bike loans to make purchasing feasible due to their premium price. These bikes enhance speed through clever aerodynamics aimed at reducing air resistance.

1. Adventure Bikes:

   These bikes are perfect for riders who prefer exploration and are designed for all sorts of terrain. They typically feature a high seat and require more skill to handle, making them less suitable for beginners. Adventure bikes are equipped with features such as engine protection and extra luggage capacity, ideal for touring purposes.

Conclusion

Selecting the right bike can be an exciting process. Our country features various types of motorcycles, each designed to meet specific needs. Understanding the varieties and features of these bikes will help in making conscious decisions. Remember that no matter your requirement - daily commuting, long-distance trips, or environmentally friendly leisure— and which type of bike you are riding, it is essential and mandatory to acquire a bike insurance policy to enjoy every journey without any worries.

You must choose the correct type of motorcycle insurance if you ride a motorbike in India. This serves legal needs and provides financial defence in certain situations. Bike insurance types vary greatly to cater to risks associated with riding in bustling city traffic or peaceful rural areas. You need to select a plan that offers adequate coverage, considering the high frequency of road incidents and thefts. Adequate coverage ensures compliance with Indian traffic laws and secures financial stability against potential losses from accidents or theft. Moreover, suitable types of motorbike insurance can provide benefits that minimise out-of-pocket expenses during unexpected events. These types of two-wheeler insurance ultimately enhance your riding experience with peace of mind and security. Understanding your specific needs, the bike’s usage, and local conditions will guide you in choosing the most appropriate types of 2-wheeler insurance.

Types of bike insurance in India

Every type of insurance offers advantages and varying degrees of protection. Choosing the right type of insurance for a bike can significantly affect your financial security in case of accidents or theft as well. The choice must depend on your specific needs, budget, and the level of risk you are willing to manage. There are mainly three different types of bike insurance that every two-wheeler owner should consider. They are:

1. Third-party liability-only bike insurance:

   The Motor Vehicles Act mandates this basic form of bike insurance. It covers legal liabilities arising from injury or death of third parties, as well as damage to another person's vehicle caused by your insured bike. However, this insurance type for bikes offers no coverage for damage to your own bike. It does not pay for replacement or repairs if your bike is damaged in an accident.

2. Standalone own damage insurance:

   Third-party liability-only insurance leaves a gap that this kind of coverage helps fill. It covers losses to your own bike and provides financial defence against a range of hazards, including, natural events like floods or earthquakes, and man-made incidents such as accidents, theft, riots, and vandalism. Consider getting this coverage alongside third-party liability insurance, even though the latter pays for damage to your bike, as it does not cover damages or losses to others injured in an accident.

3. Comprehensive bike insurance:

   This comprehensive bike insurance policy offers the most extensive coverage. It combines elements of standalone own damage cover and third-party liability. This policy covers damages to your own bike and guards you against damages caused to a third-party or his/her property. Adding different add-ons like Zero Depreciation cover and Roadside Assistance cover can further enhance this coverage.

Conclusion

Choosing the right type of insurance for a two-wheeler is straightforward. First, it is essential to understand how many types of two-wheeler insurance are available. Then, select a bike insurance policy that offers comprehensive protection for your two-wheeler. Knowledge of bike insurance policy types can help you make the right decision when it comes to insuring your vehicle.

Can you invest your money in an insurance company if you are unsure of its credentials? This trust is a two-way street. An insurance company should also be able to trust you and have access to a few particulars. This is why 'Know Your Customer' (KYC) norms are mandated. Verifying identity through KYC helps build trust between the insurer and the insured.

KYC Norms in Two-Wheeler Insurance Process

The complete process of bike insurance KYC is outlined below:

1. Submission of documents for identity and address verification: Provide any government-issued identity card, such as Aadhar, voter ID, or driving license, as identity and address proof. Provide a recent passport-size photo along with the above documents.
2. Verification by the insurance company: The insurer will scrutinise all the documents you have shared.
3. Confirmation: The insurer will inform you after successful verification of KYC for bike insurance.

The different methods of bike insurance KYC are as follows:

1. Aadhar card-based authentication: Your Aadhar card fetches all the details required by the insurance company, such as your name, address, and date of birth.
2. Video KYC: An employee from the insurance company connects with you on a video call for face-to-face verification.
3. Digital KYC: The details are fetched directly from the documents saved on Digilocker, and your photo is captured online.
4. KYC through a PAN Card or Form 60: A PAN card provides information about your income along with your identity details.
5. CKYC (Central Know Your Customer): It is a repository of information to verify customer details. A unique CKYC number is allotted, which can be used to apply for any financial service.

Conclusion

Following KYC norms protects the interests of both the insurer and the insured. Make sure you complete your KYC while purchasing bike insurance. Timely KYC for bike insurance ensures a hasty claim settlement process and smooth insurance policy renewal.

Is your bike insurance nearing its expiration? If yes, you might be wondering, "Can I change my bike insurance company?" You can change your bike insurance company if you are dissatisfied with your current insurer. Keep reading this blog to learn how to change two-wheeler insurance company.

When can I change my bike insurance plan?

If you are looking for lower premiums or considering a few add-ons to your bike insurance, it may be advisable to change bike insurance company. Listed below are the opportunities for updating your bike insurance:

1. During policy renewal

Your current insurer will notify you when your current plan begins nearing its expiration date. Keep an eye out for these notifications if you wish to change the plan. Choose a new insurer that may meet your demands when it comes time to renew your bike insurance policy.

1. In the middle of the policy period

You can also switch your plan during the policy term if you are dissatisfied with your current policy or if your bike gets stolen. All you need is to cancel the existing policy.

1. Change of ownership

If you wish to sell your bike, you may transfer the existing insurance plan to the new owner.

1. Purchase of a new bike

You do not have to buy a new insurance plan if you purchase a new bike, but you can change the details of coverage. However, your premium might be affected as the insured value of your bike changes.

Conclusion

Don't change your bike insurance company solely for a lower premium or a cheaper plan. Instead, take the time to compare various bike insurance policies and choose the one that best meets your needs. Choose an insurer that has a good reputation, services, and claim settlement ratio.

Updated on 2 Dec 2025
Turning the key and hearing no engine starting noise from your bike can be a concerning situation. While occasional starting issues are common, frequent problems can indicate underlying mechanical or electrical issues. Understanding the reasons behind bike starting failures and taking preventive measures can save you time and hassle. If any engine issue is leading to the starting trouble, you don’t need to worry about the repair costs if you have a comprehensive two-wheeler insurance coverage with an engine protection add-on.

Let’s understand the common reasons for a bike failing to start.

Common causes of bike starting problems

You may be surprised to learn how many maintenance-related issues may cause a situation where your bike is not starting with the self-start. Here are the top reasons why your motorcycle is not starting:

1. The battery is drained out

Often, your bike may fail to start because the battery is dead or low. Without power, the battery cannot initiate the bike's engine. If this happens, you only need to plug in a power supply to recharge this ‘dead’ battery. If you have an electric bike, you can take the battery out and simply recharge it. For a traditional motorcycle, you may need to explore other options. To avoid getting stranded because your bike is not starting with the kick start, inspect the battery before leaving each time and make sure it still has enough charge left in it.

2. The carburettor is dirty

Dirt and grime collected on the carburettor over time can prevent the bike from starting. To prevent this problem, you should clean the carburettor regularly. If you cannot do it yourself, regular servicing of your bike can also get the job done.

3. Blown fuse

There are several fuses in a bike, and it is not uncommon for one of them to blow, creating a situation where your bike is not starting or keeps halting. Always check for a blown fuse, and if you can detect it, get it repaired.

4. The stand is down

Most modern two-wheelers require the stand to be up for the bike to start. This may sound like a minor problem, but it is a possible and common reason for the bike not starting. You should always check if the stand is up to prevent any unfortunate situations.

5. Check the clutch

Even if your two-wheeler is in neutral gear, you must pull the clutch on many modern two-wheelers to start it. If you're a new bike owner, you might not be aware of this fact. Start the bike, pull the clutch and pump it up a few times. This will prevent any issues while riding.

6. The bike is too cold

The bike getting cold is a common problem that vehicle owners face, especially in the winter and rainy seasons. If you have parked your motorcycle outdoors for too long, the battery may get cold, making it difficult for your bike to start. Sometimes, you may even discern small ice formations inside the carburettor. To prevent your bike from getting excessively cold, try to park it indoors or in a protected area.

7. The injector is blocked

This typically happens when you haven't used your bike for several days. Not having fuel run through the injector can block it since the residue from old fuel forms a gel that settles in it. In this case, you must clean these injectors (there are specific cleaning products for this job). After they're cleaned, your bike will start as usual.

8. The spark plug is broken

Bike spark plugs should be replaced periodically, or you risk your motorcycle not starting. With continuous use, the ceramic coating in the plug can develop cracks or oil from the engine can cause it to malfunction. If you haven't changed your bike's spark plug recently, it may be advisable to do so as early as possible, lest your vehicle refuse to start one day. Fortunately, replacing the spark plug is an easy fix.

9. Loose wires

If your bike is not starting, check the electrical wires and connectors. Sometimes, the reason may be as simple as a loose connection. Manually inspect the connectors to rule out this issue. If you find any loose wires, fix them and you should be good to go.

Understanding the reason for your bike not starting can save you time and frustration. Instead of immediately filing a bike insurance claim, carefully inspect the bike and see if any of the aforementioned issues are present. If so, rectify them. Otherwise, send your bike to the garage for an expert analysis.

Quick fixes for bike starting issues

Before calling a mechanic, you can do some simple examinations yourself to find and fix the issue. These are:

• Check the battery: A weak or dead battery is one of the most common reasons a bike won’t start. Make sure the terminals are clean, free from corrosion and the battery is fully charged.
• Inspect fuel supply: Sometimes the issue is as simple as an empty tank or a clogged fuel line. Refill the tank if needed and check for any blockages in the fuel supply.
• Examine spark plugs: Worn-out or dirty spark plugs can prevent ignition. Remove them to see if they are blackened, oily or damaged, and clean or replace them as required.
• Check fuses and wiring: Faulty fuses or loose wiring connections can disrupt the power flow. Inspect the wiring and fuses to ensure everything is intact and properly connected.

Preventive maintenance tips for bike starting problems

Regular maintenance can reduce the likelihood of starting failures:

• Schedule periodic battery checks to ensure it is charged and in good condition. Replace the old battery if it shows signs of weakening or struggles to hold a charge.
  
  
• Keep the fuel system clean and avoid prolonged fuel storage, as old or stale fuel can clog the carburettor or injectors.
  
  
• Service spark plugs and ignition components regularly. Worn or dirty spark plugs can cause ignition failures.
  
  
• Perform routine inspections of the electrical system to check fuses, wiring and switches for loose connections or wear.

Role of bike insurance in bike starting problems

While third-party bike insurance is the minimum legal requirement, it only covers the injuries caused to others and damages to their property. It doesn’t offer protection to your vehicle. To cover the engine of your bike, you should get a comprehensive insurance with an engine protection add-on. This compensates you for any repair or replacement expenses related to engine components.

Conclusion

Bike starting issues can arise from electrical, mechanical or fuel-related problems. Routine maintenance and timely inspections can prevent the most common issues. This will also save you time and money.

While you focus on keeping your bike in optimal condition, let us help you secure your bike with the best two-wheeler insurance. Fill out the form on this page to get personalised bike insurance advice and solutions tailored to your needs and budget.

FAQ

•  Can poor fuel quality cause starting problems?

Yes, poor-quality fuel can cause starting troubles, but the impact varies depending on the fuel system and bike type.

•  Does insurance cover bike breakdowns?

It depends on the insurer and policy. Check your policy wording to confirm coverage for breakdown assistance.

• How often should I maintain my bike to avoid starting issues?

Regular checks every few months are recommended, but the exact frequency depends on usage and bike model.

Ganesh Chaturthi is an important Hindu festival that marks the birth anniversary of Lord Ganesha. However, the festival is not limited to pujas, offerings, and pandal hopping. Many choose this auspicious day for a housewarming ceremony, to start a new venture, to buy new vehicles, and more. So, if you have been thinking of buying a bike of late, Ganesh Chaturthi is an ideal time to bring home a new one. Read on to learn the benefits of buying a bike for Ganesh Chaturthi.

Buying a New Bike for Ganesh Chaturthi

Besides being an auspicious day to buy new things, there are more reasons to buy a bike during Ganesh Chaturthi. Lets take a look.

1. New models:

   Many bike manufacturers choose important festivals like Ganesh Chaturthi to launch new bikes. Hence, if you are keen to buy one of the latest models, you will find many options during this time of the year.

2. Special offers:

   Ganesh Chaturthi is one of the most auspicious days for buying new things. Hence, manufacturers and dealers offer many amazing deals and offers during the 10-day festival to attract more customers and increase sales. From attractive discounts to complimentary accessories, you can enjoy many special offers on bikes.

3. Better financial deals:

   During Ganesh Chaturthi, many financing companies also offer better deals and lower interest rates on loans. Moreover, if you are looking to buy a bike on EMI, you are likely to get better options during the festival.

Things to consider when buying a new bike

When you are buying a new bike, make sure you keep the following things in mind for a good purchase.

1. Cost of the bike:

   Although you will find many amazing and expensive bikes in the market, choose one that best matches your requirements and pocket. Also, remember that once you buy a bike, you will have to spend a significant amount on refuelling and maintenance from time to time. Hence, make sure you consider these factors and choose a bike accordingly.

2. Usage:

   While purchasing a bike, select one keeping its usage in mind. For example, if you need a bike for long-distance rides, choose one that is comfortable, strong, and durable. On the other hand, if you love bikes and are keen to add a new one to your collection, you can choose a luxury bike or your favourite one.

3. Test rides:

   Before zeroing in on a bike, make sure you opt for test rides to understand the features, riding posture, and comfort of the bike. A bike is an expensive machine, so it is important to take advantage of this option and make an informed purchase decision.

4. Two-wheeler insurance:

   The Motor Vehicles Act of 1988 makes it mandatory for bike owners to have at least a basic third-party bike insurance policy before taking their bikes on the road. However, if you are looking for wider coverage to safeguard your bike against unforeseen events, such as accidents, natural calamities, and third-party liabilities, you can opt for a comprehensive bike insurance policy .

Conclusion

A bike is one of the most important and common modes of transport in the country. It is less expensive and easier to navigate through narrow streets and busy roads. Therefore, if you want to buy a new bike, Ganesh Chaturthi is a good time to make the purchase. However, make sure you cover it under a bike insurance policy to avoid legal liabilities.

If you own a two-wheeler, you know how important it is to protect your investment and ensure your own safety on the road. That is where two-wheeler insurance comes into play. It provides financial coverage in case of any unforeseen circumstances, such as accidents, theft, or damage to your bike. However, merely having insurance is not enough. Knowing how to navigate the process of filing a claim and keeping track of your claim status is crucial to ensure a smooth and hassle-free experience. 

 If you have purchased a two-wheeler policy with us and have recently submitted a claim, this guide will assist you in tracking your claim status.

How to Check the Status of Your Bike Insurance Claim?

You can track your two-wheeler insurance claim with us in the following ways.

 Through website

• Visit ICICI Lombard’s official website.
• Tap on the dashboard in the top left corner of the webpage.
• Tap on 'Claims' and select 'Motor Claims.'
• Click on 'Check on claim status and upload documents.'
• Share your registered mobile number to get OTP and learn about the claim status.

Another way to track your claim through the website is as follows:

• Go to the dashboard on the home page.
• Tap on 'Support' and click on 'Help Centre.'
• Scroll down and click on online requests.
• Tap on 'track your motor claim.'
• Share the required details and follow the given instructions.
• Your screen will display the claim status.

 Through ILTakeCare App

• Download ILTakeCareApp.
• Register yourself on it.
• Add your policy number.
• Once done, click on 'Claims.'
• Choose your policy number from the drop-down list
• Click on 'Track your claim.'
• Provide your claim number.
• Our app will display the current status of your claim.

 Through WhatsApp

• Save '7738282666' on your contact list.
• Now, send 'Hi' to this number on WhatsApp.
• Our responsive bot will assist you by providing the required information.

You can also learn about the claim status by emailing us at customersupport@icicilombard.com or by calling our support team at 18002666. 

Conclusion

 A two-wheeler insurance is one of the first and simplest ways of prolonging the age of your bike. Checking your insurance claim progress online is quick and easy, allowing you to keep track of any updates. ICICI Lombard offers many hassle-free ways to do so, each designed keeping in mind the ease of our customers. Be insured, be assured!

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. 

Safety is considered important regardless of where you are working or what you are doing. You should always be aware of your surroundings and their potential risk at dangerous places to keep yourself safe and sound. If a person is working at a factory, construction site, or anything relevant to the same then they should always have safety gear handy. The safety gear can be jackets, safety helmets, knee caps, etc. based on the amount of danger you encounter at your workplace. So, before choosing a helmet, the worker’s head circumference, the comfort of use and how long the helmet will be worn by the operator, should also be taken into account. Lastly, it is important to pay attention to the standards and regulations; applicable to wearing helmets based on the workplace in your country.

Tips to choose the right helmet for safety

Choosing the right safety helmet is very important and can prevent serious injury in a fall or other accident. So, you need to choose the right one based on the job you will be doing. The tips include:

1. Choose the Helmet based on your Job

A person should choose an appropriate helmet based on the tasks and environments they are going to work in. For e.g., full face helmets protect the entire head and face, ideal for jobs with flying debris or chemicals while half-faced helmets are suitable for carpentry work, a helmet with a chin strap can be ideal to use while falling off during high-movement tasks or in windy environments.

2. Check for Certification

Safety helmets must meet certain safety standards to ensure that the helmet you choose must be tested and certified by a reputable body to ensure its effectiveness in preventing injuries.

3. Look for Comfort

A comfortable helmet is more likely to be worn consistently with the use of adjustable straps to ensure a snug fit and the helmet should have proper fitting to ensure comfort during long periods of wear.

4. Consider the Weight

A heavy helmet can cause neck strain if used for an extended period so opt for a lightweight helmet that doesn’t compromise on protection. The helmet should be made up of lightweight materials such as carbon fibre or lightweight plastics that ensure ease of movement and reduces fatigue.

5. Consider Ventilation

Using a helmet for long runs can cause your head to become hot and sweaty, which can be extremely uncomfortable so choose a helmet that provides proper ventilation through air vents and can help to reduce heat and increase comfort levels during hot environment settings.

6. Check for Extra Features

Additional features like face shields or earmuffs can be beneficial to use depending on your work environment. For example, if a person needs to work in construction then a visor can help protect the eyes from flying particles, while earmuffs protect against high noise levels in industrial settings.

7. Select the Right Material

Choosing the right material is very important to ensure your safety in different settings. The materials used to make helmets are made from various materials, such as polyethylene, polycarbonate, or Kevlar. A person can choose the material which will affect the helmet’s durability, impact resistance, and weight

8. Consider the Environment

Before choosing a helmet, please ensure the hazards of your workplace to ensure your safety. E.g., the electrically insulated helmet can be used for working in electrical hazard settings while fire-resistant material if working in fire-containing settings.

9. Look for Protective Padding

Padding in a helmet provides extra cushioning in the helmet which can reduce the force of impact on the head in the event of an accident.

10. Check for Replacement Parts

A safety helmet’s lifespan can be extended if a manufacturer provides a warranty for replacing parts like straps, suspension systems, or padding. Additionally, check if the manufacturer guides how often to replace these parts to ensure 100% safety.

Conclusion

To ensure safety, choosing the right helmet is a crucial step for protection at the workplace. One should select a helmet style based on the type of work and location of the environment setting to ensure complete protection. Since helmets are meant to protect your skull from injuries in unexpected events, so make sure it complies with all the required quality standards. Products with ISI mark label on it. Additionally, as per the 2020 government Motor Vehicle Act, only helmets certified by the Bureau of Indian Standards (BIS) will be legal for two-wheeler riders in the country. Making the right choice will safeguard your well-being and enhance your productivity and efficiency at work. Protect yourself on the road and safeguard your investment with bike insurance coverage.

Buying a two-wheeler online is not a new thing. Not only can you buy a two-wheeler and related accessories online but you can also buy a two-wheeler insurance online. Before choosing the type of two wheeler, you must assess your riding requirements. You must also consider visiting dealerships, reading reviews and consulting your biker friends.

Two-wheeler loan online

While two wheelers are not as expensive as four wheelers, they can still be a financial burden if purchased unwisely without prior planning. If you don't have the cash for the entire payment, a two-wheeler loan can help. Several banks offer two-wheeler loans at attractive interest rates.

You can compare prices and interest rates across various banks to choose the one that suits you. Several websites also provide detailed analyses that help in making a calculated decision while applying for a loan.

Purchasing a two-wheeler online

Once you have decided your budget and set the maximum price limit, you can begin searching online. An important decision to make at this step is whether to opt for a new or used vehicle. Many sites offer used two-wheelers in good condition.

While buying a used two-wheeler online, you must assess several crucial aspects, including your lifestyle, market value, availability and validity of two-wheeler insurance, vehicle history, etc. Make sure you get all the necessary paperwork to register it in your name after the purchase.

If you plan to buy a new two wheeler online, you can select your nearest dealership and book a test ride. The company will arrange a test ride for you. After you are satisfied with the performance, you can place your order and the nearest dealership will deliver the order at your doorstep.

Two-wheeler insurance online

Insurance is the last thing that probably comes to your mind while buying a two wheeler. However, a third-party insurance for your two wheeler is mandatory. It is wise to opt for other aspects such as personal accident cover for your own financial security.

Insurance for your two wheeler is readily available online. With multiple options available, you must not only compare premium costs, but also the various features and add-ons offered by companies before buying a policy. Benefits such as a long-term cover for two or three years are often exclusively available online.

Conclusion

Online shopping has steadily increased and now covers almost every aspect of our daily life. With almost every facet of purchasing your two-wheeler being covered online, purchasing two-wheeler insurance online will soon be the norm. Every step can be completed with just a few clicks. Ensure you choose the right third-party insurance or a comprehensive plan to protect your vehicle fully. Doing so lets you enjoy peace of mind, knowing that you're safeguarded against unforeseen incidents, ensuring a smoother and worry-free riding experience. Choosing the right plan helps you comply with legal requirements and provides financial security in case of accidents or damages.

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.  

If you have a two-wheeler, getting bike insurance is not just essential but mandatory by law. However, when it comes to picking a policy, many get confused between the third-party and comprehensive two-wheeler insurance online. Both of these policies provide protection, but the advantages and coverage are different. Let’s gain a proper understanding of each of them, their primary differences and how to pick the correct policy based on your needs.

Key differences between comprehensive and third-party bike insurance

The significant comprehensive and third-party bike insurance difference revolves around coverage benefits. Riders should carefully evaluate third-party vs. comprehensive bike insurance to determine which is best for them. Let's break down which two-wheeler insurance is the best for you.

How to choose between comprehensive and third-party bike insurance as per requirement

If you’re confused between a third-party and comprehensive two-wheeler policy, here is how to choose the right cover:

Pick the third-party policy if:

• You’re looking to meet only legal requirements.
• Your bike is more than five years old and has low market value.
• You don’t ride the bike often or keep it parked safely most of the time.

Pick the comprehensive policy if:

• Your bike is valuable or new.
• You need complete protection from natural disasters, fire, theft and accidents.
• You ride daily and want peace of mind.

Remember, the additional expense of a comprehensive policy can help save a significant amount of money in the event of theft or accidents.

Conclusion

Picking the correct bike policy depends on your usage and needs. Although the third-party bike insurance satisfies the basic rules, the comprehensive plan offers you complete protection. It might cost a bit more, but the advantages and safety are worth it. If you need help picking the best bike policy, just fill out the form on this page and receive expert advice for free. Our team will be there to assist you by suggesting the most suitable policies for your bike.

FAQ

• Is the third-party insurance enough for my two-wheeler?

This policy is legally sufficient, but it provides limited protection.

• Does the comprehensive insurance cover bike theft?

The policy does cover fire, accidents, thefts, etc.

• Is bike insurance policy renewal mandatory?

You must renew it before it expires to remain protected.

• Can I get bike insurance online?

Many insurers provide easy online policy renewal and buying options.

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

Extend the life of your two wheeler by extending its battery life

The key to maintaining your two wheeler is maintaining its battery. But there is more you can do for it other than the regular servicing and check-ups. Here are six easy tips you can follow to extend the life of your two wheeler battery without having to be a pro at mechanics.

Top-Up the Fluids

The fluid level should be checked frequently and the electrolyte of the battery should be refilled with distilled de-ionized water. Make sure you don’t use simple tap water. Using distilled water will make the batteries last longer as it will have no impurities.

Check for Loose Connections

It’s essential to periodically check the battery to make sure there aren’t any loose connections. All the parts of your two-wheeler are connected to the battery through internal wiring and loose connections can mean that your two wheeler won’t start easily. Some wiring faults can also cause major issues that affect other important components. Regularly check for loose connections, cuts and shorting of wires to avoid complications in the long-run.

Disconnect When Not in Use

If you’re not going to be using your two wheeler for a prolonged time, disconnect the battery. This will prevent power loss, thereby ensuring that the battery’s life is extended. Make sure to store the battery in a dry and warm place.

Don’t Overload the Battery

The accessories you attach to your two wheeler, like high capacity lights and LED put a lot of load on the battery. This can cause the power to be drawn out and lead to the eventual dying out of the battery. Therefore, it’s essential to ensure that the accessories you use are within the limit of the battery and don’t overload it.