Two-wheeler owners frequently overlook the essential role that tyres play, even though they are a fundamental part of the vehicle. To ensure a fun and uninterrupted riding experience, it's imperative to keep your motorcycle Tyre in excellent condition.

Regularly checking your motorcycle's tyre pressure, at least monthly, is crucial. Under-inflated Tyres increase the risk of premature wear and tear, leading to higher maintenance costs or even tire replacement.

While the value of proper Tyre can't be overstated, don't forget the indispensable shield of bike insurance. This policy ensures your bike's protection as you cruise on the nation's roads.

Importance of maintaining tyre pressure in bike

The tyres on your two-wheeler are its lifeline, and surprisingly, many riders aren't aware of the necessity to maintain the right tyre pressure for optimal performance. Let's explore a few essential insights into the importance of tyre pressure bikes.

1. Proper bike tire pressure boosts control.

Think of your bike or scooter's Tyre as the foundation for control. Good-quality Tyres are essential for maintaining control during your journeys. Low air pressure or tire defects can lead to sliding or difficulty moving forward.

2. When your bike's tire pressure is too low, it can make your ride quite uncomfortable.

Riding a bike with low-quality or damaged Tyres becomes especially uncomfortable on long journeys. To maintain a consistently smooth ride, regularly check and maintain your tire pressure and quality.

3. Accidents can be more likely if your bike's Tyres have low pressure.

It's vital to understand that your vehicle's traction relies on its Tyre. If your Tyres are not in optimal condition, the likelihood of accidents increases significantly. Low bike tyre air pressure is a leading cause of potential accidents and can result in insurance claims and, more critically, severe bodily harm. Prioritising safety, regularly use a bike tyre air pressure metre to ensure your Tyre keeps you safe throughout your journeys.

Tips to maintain Bike’s Air Pressure

• Check how your tyres are positioned.
• Check to see if your bike's air pressure is within the ideal range.
• Check your tire's air pressure requirements and make the necessary changes.
• Be aware of when you should seek the help of a mechanic.

Steps to maintain pressure of your tyre

1. Check the PSI of the tyre

To ensure your Tyre's safety and performance, check for correct positioning and punctures from sharp objects like glass or nails. Proper Tyre pressure is vital to prevent blowouts, and inspect for bulges or cracks that can lead to air pressure loss. Gently moving the Tyre back and forth helps assess its condition, ensuring safe driving.

2. Performing a Tyre pressure check

Next, it's crucial to perform regular checks on the bike Tyre inflation. Proper bike Tyre inflation directly affects your riding comfort and the overall quality of your journey. If the Tyres aren't adequately inflated, premature wear can occur, underscoring the significance of routine 2-wheeler Tyre pressure inspections.

For accurate readings, perform these checks when your bike is at a cool temperature to prevent pressure and density changes due to heat. Refer to your vehicle's manual to find the recommended PSI levels, which can be verified at a gas station or using your own equipment.

3. Ensure your Tyres have the right air pressure when require

Once you've inspected your Tyres, ensure they are filled with compressed air to reach the recommended PSI level. Avoid overinflation, and if they have excess air, you can release some to reach the correct tyre pressure bike. Take your bike for a spin, and after a few hours, evaluate their performance.

If you notice a pressure increase, and the Tyres feel excessively rigid on the road, it's important to cease driving and remove any additional load from the bike. Don't neglect the Tyre tread either, as it's crucial for preventing skidding on wet surfaces. If you find that the tread has worn down by a quarter or an inch, it might be time to think about replacing your Tyres.

Owning and upkeep of a two-wheeler can be a costly affair. Consider having at least a basic bike insurance policy or a comprehensive one. These policies offer coverage for your vehicle in the event of clashes, accidents, or third-party damage.

As per The Motor Vehicles Act of 1988, third-party two-wheeler insurance is mandatory for all bikes and scooters plying on Indian roads. It covers the third-party liabilities that may arise due to an accident or collision involving the insured two-wheeler. However, a third-party insurance policy will not cover the damages sustained by your bike.

Therefore, it is recommended for every bike owner to buy a comprehensive two-wheeler insurance policy. Apart from covering the mandatory third-party liabilities, it will also cover the losses or damages sustained by the insured bike in case of a mishap, including theft, collision, earthquake, tsunami, riot, and vandalism.

But do you know how to claim under bike insurance? Even if you don't, there is little reason to worry. In this article, you will get to know everything regarding two-wheeler insurance claims, including the steps to file a motor insurance claim. So, let's get started.

What is a bike insurance claim?

A comprehensive two-wheeler insurance policy essentially covers your bike against any loss or damage caused due to a covered peril. For example, suppose you're taking a sharp turn on your bike when you suddenly lose balance and meet with an accident, resulting in injuries and damages to you and your motorcycle both.

In such a scenario, your two-wheeler insurance provider will be liable to pay you for the financial losses suffered by you. But you need to file a motor insurance claim for that. The process of informing the insurer about the mishap and asking it to pay compensation for the loss is known as the insurance claim.

Before digging into the process of filing a bike insurance claim, let's first know about the two types of claims:

Cashless claims: Some insurers allow policyholders to get their bikes repaired without paying upfront. The only condition for this is that the bike should be taken to a garage in their network. Such claims are called cashless claims where the insurer pays directly to the garage owner to get an insured bike repaired.

Reimbursement claims: If a motor insurance policy doesn't offer cashless benefits, the policyholder must pay for repairs out of his/her own pocket. However, he/she can later file a claim with the insurance provider and get a reimbursement of the expenses. Such claims are called reimbursement claims, where the insurer pays the approved compensation to the policyholder.

How to file a bike insurance claim?

Now that you are well versed with the meaning and types of claims, let's learn about the steps to file a bike insurance claim. Usually, you may have to file a claim under any one of the following three scenarios:

• Your bike damages someone else's property or injures someone. In this case, a third-party liability claim will apply.
• You meet with an accident, and your bike is damaged. In such a scenario, you need to file your own damage claim.
• Your bike is stolen. In such a scenario, you will have to file your own damage claim. The insurer will declare a 'total loss', and you'll be paid the Insured Declared Value (IDV) of the vehicle.

If an insured person meets with an accident that results in death or permanent disablement, he/she can file a claim under the Personal Accident cover for owner-drivers.

Steps to file a third-party insurance claim

Below are the steps to file a bike insurance claim:

Step 1 – Take the policy details from the opposite party and inform the insurer about the third-party claim.

Step 2 – The insurance company will forward your case to the Motor Insurance Claims Tribunal for its verdict.

Step 3 – After hearing from both parties, the tribunal court will determine an amount that should be paid to you as compensation.

Step 4 – The insurer will transfer the compensation amount to your bank account.

Steps to file a claim under the OD cover

Step 1 – Inform the insurance provider immediately.

Step 2 – Submit the required documents to raise the claim. If needed, file an FIR with the local police station.

Step 3 – A surveyor will be appointed by the insurer to verify the case and examine the damages.

Step 4 – If the surveyor finds your claim to be authentic, he/she will send an approval to the garage to start with the repair work.

Step 5 – In the case of a cashless claim, the expenses will be settled directly between the insurer and the garage. Whereas, in case of a reimbursement claim, the repair amount will be transferred to your bank account through National Electronic Fund Transfer (NEFT).

Steps to file a claim in case of theft

Step 1 – Inform the insurer immediately about the theft of your bike.

Step 2 – File an FIR in your local police station. This step is mandatory in this case.

Step 3 – Submit the relevant documents to the insurer to file the claim.

Step 4 – Obtain a non-traceable certificate from the police and submit it to the insurer.

Step 5 – The insurer will transfer your bike's IDV to your bank account.

Documents required for bike insurance claim

Below are the documents you need to submit to the insurer to file a claim on your bike insurance policy:

• Policy document
• Duly filled claim form
• Registration Certificate (RC) of the vehicle
• Driving license of the person driving at the time of the accident
• Police FIR copy (mandatory in cases of theft)
• Original repair invoices and bills (for reimbursement claims)
• Form 28/29/30 duly signed by the vehicle owner (in case of total loss)
• No Objection Certificate (if the vehicle is financed)

For a full list of documents and claim instructions, visit our motor claims page.

Common reasons for two-wheeler insurance claim rejection

While most insurers offer a hassle-free claim process, claims can still be rejected if due diligence is not followed. Here are some of the most common reasons:

1. Delayed reporting: Failing to inform the insurer within the time frame given in the policy documents can lead to rejection.
2. Invalid or expired policy: If your two wheeler insurance policy has expired or was inactive during the time of the incident, the claim will be rejected.
3. Incorrect or Incomplete Documents: Missing or incorrect documents can cause delays or rejection of the claim.
4. Uninsured modifications: If the bike has been modified without informing the insurer, it may affect claim approval.
5. Driving without a valid license: If the person riding the bike at the time of the accident didn’t hold a valid driving license, the claim will be rejected.
6. Drunk driving or violation of law: Any illegal activity or intoxication at the time of the incident voids the claim eligibility.
7. Repairs done without surveyor inspection: If you get the bike repaired before the insurer’s surveyor has assessed the damage, the claim can be denied.

Conclusion

Any discrepancies in claim form or documents may lead to the rejection of your two-wheeler insurance claim. Hence, make sure to accurately fill every detail while filling the form and submit all documents carefully to avoid your claim's rejection.

A comprehensive two wheeler insurance policy covers your bike against a wide range of risks. If your bike is still unprotected, buy two-wheeler insurance today.

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.

Picture yourself cruising down a winding road, the wind in your hair, and the sun on your face. It is a perfect day for a ride on your beloved bike. However, what if something unexpected happens? An accident, theft, or any other unfortunate incident could turn your joyride into a nightmare. That’s why having valid bike insurance is crucial. Not only is it mandatory, but it also provides financial protection in case of any mishap. If you are wondering whether or not your two-wheeler's insurance policy is valid, this blog will assist.

How to check bike insurance expiry date online?

There are several ways to check bike insurance validity and expiry online, including:

Insurance Information Bureau (IIB)

If you wish to check your insurance status via IIB, go over the following steps:

• Visit the Insurance Information Bureau website
• Press the "quick links" button available on the homepage
• Next, press the "V-Seva" option, and you will receive the form to fill in
• Fill out the requested details
• Type the captcha code
• Press the "Submit" tab

The details displayed will include the insurance policy number, the policy start and end date, and the name of your insurance company. However, this website does not have information for policies purchased after 1st April 2020.

VAHAN Portal

Here are the steps to check insurance validity on the Vahan portal :

• Visit the official website of the Ministry of Road Transport and Highways (https://parivahan.gov.in/)
• Move to the "Online Services" section 
• Click the "Know Your Vehicle Details" option
• Enter the vehicle registration number in the required format and click "Search Vehicle"
• The system will display the vehicle details on the screen. Look for the insurance details section and check the insurance policy number and its expiry dates

Insurance Provider Website

To check insurance validity on an insurance provider’s website, follow these steps:

• Open your web browser and go to your insurance provider's website
• Look for the "Login" or "Sign In" button on the website, input your credentials, and click Enter
• Once logged in, look for a tab or link labelled "Policy Details" or "Insurance Information"
• Click on that tab or link to view your policy validity and other relevant information

The above steps may vary with various insurers.

Additional methods to check bike insurance expiry date online

Besides the primary online methods, there are other ways to check your policy expiry date:

• SMS or Email reminders: Almost all insurance providers send SMS or email reminders to policyholders before the policy expiry date to ensure timely renewal.
• Checking the insurance provider's website: Insurance providers these days have an online portal where policyholders can log in and view their policy details, including validity and expiry dates.
• Using an insurance aggregator website: Insurance aggregator websites allow you to compare and purchase insurance policies from multiple providers. And many of them also offer features to check the validity and expiry of existing policies.

How to check bike insurance validity offline?

In case you do not have access to online platforms, you can check your bike insurance expiry date using offline methods.

• Checking the policy document: The insurance policy document contains information about the validity period of the insurance plan.
• Contacting the insurance provider: You can contact the insurance provider's customer support to confirm your two-wheeler's insurance validity and expiry date.
• Visit the Regional Transport Office (RTO): You can visit your local RTO and request insurance details by providing your bike’s registration number.

How to renew a bike insurance policy online after it has expired?

If your two-wheeler insurance has expired, you need to renew it immediately to avoid legal and financial risks. Most insurers allow online renewal of expired policies with minimal documentation.

Steps to renew expired bike insurance policy online:

1. Visit the Insurance Provider’s Website

• Go to your insurer’s official website or mobile app.
• Click on "Renew Bike Insurance".

2. Enter your bike details

• Provide your registration number, previous policy details (if available), and personal details.

3. Choose a suitable policy

• Select the type of policy (third-party or comprehensive).
• Compare premium quotes and coverage options.

4. Complete vehicle inspection (If required)

• If your policy has been expired for a long time, the insurer may require a bike inspection before renewal.
• Some insurers offer video inspection or request images of the bike.

5. Pay the premium

• Make the payment online via net banking, debit/credit card, UPI, or wallets.

6. Receive the renewed policy

• Once the payment is successful, you will receive a soft copy of the renewed policy via email.
• The updated details will be available on VAHAN and IIB portals within a few days.

Conclusion

Keeping track of your bike insurance expiry date is essential to ensure continuous coverage and compliance with the law. Thanks to online platforms like the IIB portal, VAHAN, and insurer websites, checking policy status has become easier than ever. If you do not have online access, you can verify your insurance details offline through the RTO or your insurance agent.

If your policy has expired, renewing it promptly can help you avoid fines, legal issues, and financial risks. Set reminders for two-wheeler insurance renewal and avoid policy lapses in the future.

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.

It is not unusual to misplace the hard copy of your motorcycle insurance. Or, you may lose it to the usual wear and tear of being stored in narrow gaps of your bike. Either way, do not fret if you lose your insurance policy document or need to obtain a copy of your bike insurance policy. Here’s what you must do for bike insurance copy download.

What is the Need for Downloading a Bike Insurance Policy?

Having a copy of your bike insurance policy is essential for the following reasons-

1. Legal Requirement: Carrying proof of insurance is mandatory under the Motor Vehicles Act. A digital copy is equally valid as a physical one.
2. Ease of Access: Having a digital copy means you can access your policy anytime, anywhere, especially in emergencies.
3. Quick Claim Processing: In case of an accident, having your policy details handy can speed up the claim process.
4. Paperless Convenience: Reduces the need for physical documents, contributing to eco-friendly practises.
5. Backup for Safety: If you lose the hard copy, the digital version ensures you’re never without proof of insurance.

How to Download Bike Insurance Copy?

Whether you bought bike insurance online or offline, the insurer allows you to download the insurance copy online with a few clicks. Follow these steps to download a copy of your insurance document.

• Visit your two-wheeler insurer's website. 
• Navigate to the bike insurance section and select the type of insurance you purchased.
• Enter your policy details. In case you do not remember the policy number, enter your bike registration number, and you will be provided with the policy details. 
• Verify the information displayed on the screen. 
• The policy copy will appear on your screen. Download the file to your desktop and print a copy.

Do You Need a Hard Copy of Your Bike Insurance Policy?

Both digital and hard copies of two-wheeler insurance are valid as per traffic rules. However, in some cases, like vehicle inspections at rural checkpoints, the inspector may still prefer hard copies. In such cases, having a printed version can be handy.

What if You Lost Your Bike Insurance Papers?

Follow these tips if you lose your two-wheeler insurance document

• Look for the document in your office, home, and vehicle. If you don't find it in any of these places, it was likely either lost or stolen.
• Stop using the bike if you cannot find the insurance document. You must not ride your bike without the policy document in hand.
• Your last option is to request a duplicate insurance copy from your insurer and wait a few days for it to arrive before you resume using your bike.

Conclusion

Downloading and managing your two-wheeler insurance copy has never been easier. With digital platforms and mobile apps, you can access your policy anytime, ensuring compliance with legal requirements and quick assistance in emergencies. Always keep both digital and, if necessary, physical copies handy for peace of mind and convenience.

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.

Even though bikes below 100 cc are suitable for daily commuting purpose, a powerful bike has its own pleasure. Bikes above 100 cc balance both power and fuel efficiency in an impressive manner. Here are a few amazing bike models in the range of 100 to 180 cc that you must look out for if you are interested in buying a powerful bike.

Top 180cc bike models in India in 2025

Whether you are a daily commuter or an adventure enthusiast, there is a model to perfectly suit your needs. Below is a curated list of the top 180cc bikes available in India this year.

1. Bajaj Avenger Street 160 | Starting ₹1.19 Lakh

It is a cruiser motorcycle built for long, comfortable rides. Its relaxed riding posture and stylish design make it a popular choice among city riders and touring enthusiasts. The bike is powered by a 160.4cc engine that delivers smooth performance with a balanced fuel efficiency. The 13-litre fuel tank ensures fewer refuelling stops on long journeys.

Other Features:

• Mileage:2 kmpl
• Maximum Power: 15 bhp @ 8500 rpm
• Top Speed: 105 kmph
• Gears: 5
• Antilock Braking System (ABS): Yes
• Fuel Capacity: 13 L

Viewpoint: A great option for relaxed city cruising and highway rides.

2. Kawasaki W175 | Starting ₹1.22 Lakh

It is a neo-retro motorcycle designed for riders who appreciate classic styling with modern technology. It comes with a 177cc engine that ensures smooth power delivery and decent fuel economy. Its lightweight design makes it agile, while its retro aesthetics add to its charm.

Other Features:

• Mileage: 45 kmpl
• Maximum Power: 13 bhp @ 7500 rpm
• Top Speed: 190 kmph
• Gears: 5
• ABS: No
• Fuel Capacity: 12 L

Viewpoint: A retro-styled commuter bike with simple mechanics and reliable performance.

3. Bajaj Pulsar N160 | Starting ₹1.23 Lakh

It is a muscular streetfighter that combines power with agility. It features a 160.3cc engine with oil cooling, ensuring optimal performance. With sharp aesthetics, dual-channel ABS, and an upgraded suspension, this bike is perfect for city riders looking for a stylish and practical ride.

Other Features:

• Mileage: 45 kmpl
• Maximum Power: 16 bhp @ 8750 rpm
• Top Speed: 120 kmph
• Gears: 5
• ABS: Yes (Dual-Channel)
• Fuel Capacity: 14 L

Viewpoint: A well-balanced bike for daily commuters and occasional long rides.

4. TVS Apache RTR 180 | Starting ₹1.32 Lakh

Nothing describes this 180cc beast better than its tagline 'Scarily fast'. The aerodynamically designed tank and engine, and LED tail light flaunt aggression and style. The RTR engine facilitates quick ignition. Throttling up on highways though, may lead to slight engine vibration and leave you wishing for a sixth gear. You can get TVS bike insurance from ICICI Lombard.

Other Features:
• Mileage - 40-50 Kmpl
• Maximum Power - 17.3 bhp @ 8500 rpm
• Top speed - 124 Kmph
• Gears - 5
• Antilock Braking System - Yes (which can be turned off for those who love stunts!)
• Fuel capacity - 16 L

Viewpoint: On wet roads, it's a confidence builder!

5. Hero Xtreme 160R 4V | Starting ₹1.39 Lakh

It is a feature-packed street bike that offers a great blend of performance and efficiency. With a 163cc air-cooled engine, it is one of the most fuel-efficient bikes in its segment. The lightweight chassis and aggressive design make it ideal for city commuting.

Other Features:

• Mileage: 55 kmpl
• Maximum Power:9 bhp @ 8500 rpm
• Top Speed: 115 kmph
• Gears: 5
• ABS: Yes
• Fuel Capacity: 12 L

Viewpoint: A stylish and fuel-efficient choice for city riders.

6. Honda Hornet 2.0 | Starting ₹1.39 Lakh

It is a sharp, street-focused motorcycle with an aggressive design. It features an 184.4cc air-cooled engine that delivers smooth power with refined performance. The USD front forks and mono-shock suspension ensure a stable ride on different terrains.

Other Features:

• Mileage: 42 kmpl
• Maximum Power:2 bhp @ 8500 rpm
• Top Speed: 130 kmph
• Gears: 5
• ABS: Yes
• Fuel Capacity: 12 L

Viewpoint: Ideal for city riders who want a stylish yet practical bike.

7. Honda CB200X | Starting ₹1.46 Lakh

It is an adventure tourer that has an engine similar to the Hornet 2.0. Its upright riding posture and semi-fairing design make it ideal for both city and long-distance rides. The bike features a strong suspension setup, ensuring excellent ride comfort.

Other Features:

• Mileage: 43 kmpl
• Maximum Power:2 bhp @ 8500 rpm
• Top Speed: 130 kmph
• Gears: 5
• ABS: Yes
• Fuel Capacity: 12 L

Viewpoint: A great beginner adventure bike for city and touring.

8. Bajaj Pulsar NS160 | Starting ₹1.47 Lakh

It is a premium commuter bike with a strong road presence. It features a 160.3cc oil-cooled engine that ensures punchy performance while maintaining efficiency. The perimetre frame adds to the bike’s stability, making it a fun ride.

Other Features:

• Mileage: 40 kmpl
• Maximum Power:2 bhp @ 9000 rpm
• Top Speed: 120 kmph
• Gears: 5
• ABS: Yes
• Fuel Capacity: 12 L
  
  

Viewpoint: A stylish and performance-packed commuter motorcycle.

9. Suzuki Gixxer SF 150 | Starting ₹1.74 Lakh

An iconic sports bike amongst the youth, this stylish super machine is worth a ride. Its fierce appearance and bold designs make it one of the most visually appealing and powerful bikes in the Indian market. With a 155-cc engine, it is designed for optimum acceleration and supreme performance.

Other Features:
• Mileage - 40-50 Kmpl
• Maximum Power - 14.6 bhp @ 8000 rpm
• Top speed - 115Kmph
• Gears - 5
• Antilock Braking System - No
• Fuel capacity - 15 L

Viewpoint: Iconic design and powerful engine, a great combination for the ultimate performance!

10. Yamaha R15 V4 | Starting ₹1.83 Lakh

It is a track-inspired machine with aggressive styling and a high-revving 155cc liquid-cooled engine. It features VVA technology, ensuring a thrilling riding experience.

Other Features:

• Mileage: 45 kmpl
• Maximum Power:4 bhp @ 10000 rpm
• Top Speed: 140 kmph
• Gears: 6
• ABS: Yes
• Fuel Capacity: 11 L
  
  

Viewpoint: A premium choice for riders who love speed and sharp handling.

Conclusion

Choosing the right 180cc bike in 2025 depends on individual preferences, whether it's for daily commuting, long-distance touring, or spirited weekend rides. It's essential to consider factors such as engine performance, fuel efficiency, and overall design to find the bike that best suits your riding style.

Also don't forget to secure your future and finances with a suitable two-wheeler insurance policy. Comprehensive two-wheeler insurance not only covers third-party liabilities but also safeguards against damages to your vehicle from accidents, theft, natural disasters, and more.

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.

These tips will ensure that you have the two wheeler that perfectly fits your requirement

After all these years, you’ve finally saved up enough to purchase a motorcycle to call your own. You are all excited about the prospect of having your own set of wheels and can’t wait to go to the showroom and check out the different bikes for sale.

You reach the showroom and the salesperson comes and asks for your requirement. After you state what you want, he takes you in and shows you some two wheelers and then some more. There are so many choices that you are feeling overwhelmed. All the excitement and eagerness, coupled with the salesman’s persuasive selling skills can lead to you choosing a bike that is not right for you.

Therefore, it is better to take your time, and go through the selection with the knowledge of knowing what you want. If you are lacking on the knowledge part, we have compiled a list of things that you should definitely check before settling on a purchase.

Check Out the Ergonomics

If a bike is not comfortable, then it is definitely not the right bike for you. You should try the bike at the showroom by taking it out for a test ride. Are your hands reaching the handlebars without stretching them? Are you comfortably seated or leaning forward? Are your feet in a relaxed position?

These are the things that you need to be sure about. If the ergonomics of the two wheeler is good, then it will be easier for you during your long weekend rides or lengthy road trips with friends.

Get to Know the Seat Height

The saddle height is an important consideration that, if not considered, can greatly reduce the joy associated with riding. Different types of motorcycles come with different types of seats, which affect the ability of the rider’s feet to reach the ground while on the two wheeler.

Riders having a short height and women riders prefer a low seat height, allowing them to swing a leg over the bike easily. Heavier bikes usually demand flat feet during stops to maintain balance, whereas lighter bikes can be balanced by just the tip of your toes.

With or Without Fairing?

Purchasing a bike with or without a fairing is a decision that totally depends on the rider and what his plans are for the bike. Bikes without a fairing look good, but the lack of a windscreen means that they prove to be exhausting on long rides. This is because the oncoming wind exerts pressure on your body and tires your arms out.

So, if long rides is what you plan on doing, then a faired two wheeler is what you should go for. It can make your rides pleasant and also stop the elements from cutting your ride short.

Do You Travel Light?

Riding a bike is all about the sense of freedom and getting lost from the daily hustle. Though, the real joy of riding lies in bikes that are lithe and can take to corners naturally, they can prove to be a problem for long rides. Having a motorcycle that does not have provisions for keeping luggage can put a spanner in your weekend riding plans.

Getting a two wheeler that comes with saddlebags, or is at the very least, capable of getting fitted with one would be the smartest choice.

Updated on 10-04-2025

Are you a proud owner of a sleek, powerful motorcycle you have poured your heart and soul into? Do you spend hours polishing its chrome and tinkering with its engine, ensuring it is always in top-notch condition? If so, then you know that the upkeep of your prized possession can be expensive. And, let's face it, regardless of your efforts, the value of your bike depreciates each year, and after a few years, reselling it will hardly get you any money. Furthermore, in the event of an accident while riding your bike, the insurer will only pay out after accounting for depreciation.

What is a Zero Depreciation Add-on?

The zero depreciation add-on kicks in to help you avoid depreciation and get the most out of your two-wheeler insurance. Zero Depreciation Cover is a type of add-on or rider to a comprehensive bike insurance policy that provides complete coverage without accounting for any depreciation in the value of the insured bike or its parts. In case of an accident or damage to the bike, the insurance company will cover the entire cost of repair or replacement of the damaged parts without any deduction for depreciation.

This policy's inclusions are straightforward. Here's what you should learn about.

• This rider compensates for the cost of replacement and repair at the time of claim settlement without considering the depreciation of the parts, including fibreglass, nylon, plastic parts, and rubber.
• Few insurers may also compensate for the battery and tires without taking into account the depreciation.
• You can buy this cover only at the time of purchasing a new policy or renewing an existing plan.
• The number of claims allowed under zero depreciation rider in a policy year can vary based on the insurance company and the policy’s terms and conditions.

Difference Between Comprehensive Policy and Zero Depreciation Bike Insurance

While both comprehensive and Zero Depreciation bike insurance aim to provide extensive coverage, they differ in terms of claim settlements and cost implications.

Comprehensive Bike Insurance:

• Depreciation Deduction: In a standard comprehensive policy, the insurer factors in the depreciation of bike parts during claim settlements. This means you'll have to bear the cost of the depreciated amount for parts that need replacement or repair.
• Lower Premium: Since depreciation is considered, the premium for a comprehensive policy without the Zero Depreciation add-on is generally lower.

Zero Depreciation Bike Insurance:

• No Depreciation Deduction: With the Zero Depreciation add-on, the insurer does not deduct the depreciated value of parts during claim settlements, ensuring you receive the full claim amount for repairs or replacements.
• Higher Premium: Opting for this add-on increases the premium of your two-wheeler insurance due to the enhanced coverage it offers.

Illustrative Example:

Suppose your bike's plastic part gets damaged, and the replacement cost is ₹2,000.

• With Comprehensive Policy: If the depreciation rate for plastic parts is 50%, the insurer will deduct ₹1,000 as depreciation. Thus, you'll receive ₹1,000 from the insurer and bear the remaining ₹1,000 yourself.
• With Zero Depreciation Add-on: The insurer will cover the full ₹2,000 replacement cost without any depreciation deduction, resulting in no out-of-pocket expense for you.

This example highlights how the Zero Depreciation add-on can lead to significant savings during claim settlements.

When Can You Avail Zero Depreciation Bike Insurance?

Opting for a Zero Depreciation add-on is particularly beneficial under the following circumstances:

• New Bike Owners: If you've purchased a new bike, especially a high-end model, the Zero Depreciation cover ensures that the full value of parts is covered without depreciation deductions.
• Expensive or Premium Bikes: Owners of premium bikes with costly parts can benefit from this add-on, as it covers high replacement costs without considering depreciation.
• Riders in Accident-Prone Areas: If you frequently ride in areas with high traffic density or poor road conditions, the likelihood of accidents increases. The Zero Depreciation cover can be advantageous in such scenarios.
• Inexperienced Riders: New or less experienced riders with a higher risk of minor accidents can find this add-on useful to minimise repair costs.

Conclusion

A Zero Depreciation add-on in two-wheeler insurance offers comprehensive protection by covering the full cost of repairs or replacements without accounting for depreciation. While it comes at a higher premium, the financial benefits during claim settlements can be substantial, especially for new or high-end bikes. Assess your two-wheeler's age, usage, and the associated risks to determine if this add-on aligns with your insurance needs. By making an informed decision, you can ensure optimal coverage and peace of mind on 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 topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

In the last few years, the popularity of e-bikes has grown tremendously in India. The users of these electrically operated vehicles spend ten times less on fuels when compared to petrol-run vehicles. No wonder the future belongs to electric bikes. However, there are a few aspects of e-bikes that confuse first-time buyers. Insurance is one of them. To ensure you don’t face such confusion, we have put together everything you should know about electric bike insurance. Let’s begin!

Is insurance needed for electric bikes in India?

If you own a vehicle with a 250-watt electric motor and a top speed of 25 kmph, you can use it without any motor insurance. It might surprise you, but such electric bikes don’t even need registration or a license. Even a helmet is not compulsory, although wearing one always keeps you safe.

It is up to the owner of an e-bike whether they want an insurance policy for the vehicle or not. However, for high-end electric bikes, insurance is compulsory.

What type of insurance do you need for electric bikes?

You can get a regular two-wheeler policy to insure your e-bike. The two-wheeler policies usually fall under two major categories:

1. Third-party insurance:

Third-party liability insurance is what the government has made mandatory for two-wheelers in India. If an e-bike owner hits someone on the road, then their policies will take care of the damages caused to the other party. This includes both property damage and medical expenses.

2. Comprehensive insurance:

This is the most popular form of insurance for two-wheelers, including e-bikes. A comprehensive insurance policy gives you coverage against damages to the third party plus yourself and your bike in case of an accident.

What’s covered in a bike insurance policy?

Though coverage depends on your choice of service provider, here are some common things covered by most electric bike insurance policies online:

1. Personal accident cover:

You get coverage against the damage caused to you while driving an e-bike. The insurer reimburses your medical bills and the amount spent on your bike repairs.

2. Damage due to natural disasters:

If a cyclone, earthquake, hurricane, or any other natural disaster causes damage to your bike, you get compensation.

3. Man-made disasters:

If someone harms your bike as a part of a theft attempt, robbery, terrorist activity, or vandalism, you receive coverage to fix the damages. Also, there is coverage for the damage caused to the third party due to your vehicle.

So you wanna buy a bike. Pre-owned, you say. It's gonna save you some money. Addition to this, you should also buy a two wheeler insurance to cover yourself against any unforeseen circumstances. Cool. You start checking online and magazine ads to find a few interesting options. Great. What next? You set out to buy one. Neat! Not quite. Here are tips; checklist, if you please, to help you buy a good deal.

1. Do some research.

Keep your "sixth-sense," gut-feeling" and "intuition" locked away while you prepare to buy a pre-owned bike. Do some fact finding about the model you wish to buy. What kind of reputation did the model have, what were the major design flaws in it, if any, and any other facts about it that you should know before you check out the bike at the owner's.

2. Check the bike out. Thoroughly.

Make two checks. An overall cosmetic check should be done to look for inconsistencies in paint, scratches, identifying crash signs and cracks in the plastic. Then make a thorough examination of the bike. It's always better to get a bike-savvy friend along. And a flashlight. Look for leaking fluid, rust, especially in the fuel tank, continuity of the cables, condition of the chain and sprocket and cracks in the wiring. Put the bike on centre-stand and look at it from the centre. Look for symmetry. This gives an indication of whether the bike was involved in a crash. Also check tire wear.

Updated on 27-03-2025

Having bike insurance is crucial for all motorcycle owners. It is equally important to always keep the insurance documents with you. This piece of paper may seem insignificant, but it holds immense value and serves multiple purposes. Firstly, having your bike insurance document readily available ensures that you are complying with the legal requirements of the Motor Vehicles Act.

Moreover, the bike insurance document acts as a safety cushion in the unfortunate case of an accident. It provides you with financial protection and covers any damages caused to your motorcycle and third-party liabilities.

But what if you have lost this document? Well, you do not need to worry if you have secured your bike with ICICI Lombard.

How to Download Bike Insurance Policy Document Online?

You can download your bike insurance policy document online through the following methods: 

1. From your insurer’s website.
2. Through the insurance aggregator platform, if you purchased the policy from there.
3. Using the insurer’s WhatsApp service

How to Download ICICI Lombard Bike Insurance Copy Online? 

Upon purchasing or renewing your policy, you will receive a digital copy from ICICI Lombard at your registered email address. If you misplace the physical copy, you can easily retrieve it by searching for the email we sent you. If you cannot locate the email, here are alternative methods to obtain a copy.

Through the Policybazaar.com 

• Log in to your account on Policybazaar using your mobile number or email address.

• Go to “My Policies” 

• Find your bike insurance policy, download it, and save a copy. 

Through the ICICI Lombard Website

• Visit www.icicilombard.com
• Tap on the dashboard.
• Tap on 'Support' and choose 'Help Centre.'
• Go to 'Online Requests' and tap 'Request policy copy' or 'Require policy copy.'
• Choose your insurance type from the product section.
• Tap on 'Request' from the case type drop-down list, and click 'Next.'
• Share policy number and details like date of birth or registered contact number.
• Enter the code to proceed.

Through the ICICI Lombard Chatbot (RIA)

RIA is our responsive bot that makes your query resolution swift and prompt. Here is how she can help.

• Tap on 'Ask RIA' displayed on the 'Help Centre' page.
• You will be redirected to the Yellow Messenger web page.
• Click on 'Already a Customer.'
• Tap on 'Download your policy.'
• Choose from policy number, vehicle number, or mobile number.
• After a few more steps, you can download your policy copy.

RIA is also available on WhatsApp. Save 7738282666 in your contact book and initiate a chat on WhatsApp by sending a 'Hi' message.

Other Methods to Obtain Your Policy Document

• Call 18002666, and our customer support executive will help you obtain a policy copy.
• You may also email your request to customersupport@icicilombard.com

Another way to download your policy document is through the ILTakeCare App. But for that, you must add your policy beforehand to the app. You must remember your policy number to get a copy from this bike insurance app download.

FAQs 

• Can I get my bike insurance policy without the policy number? 

Yes, using your mobile number or email address registered with the insurance provider, you can get a copy of your bike insurance. 

• How long does it take to download a bike insurance policy online? 

Once you have provided the correct details, you can download the policy copy quickly. 

• Is a digital insurance copy valid for claims?

 Yes, a digital copy is as valid as a hard copy for claims and other official uses. 

• What to do if I can not download my bike insurance policy document? 

Contact the insurer's customer support or visit their branch and follow their instructions to access your policy documents.

Conclusion 

If you misplace your policy document or can’t find the soft copy in your email, you can download your two-wheeler insurance through the insurer’s website, app, or the insurance aggregator platform if you purchased from there. Stay on top of all things related to your bike by keeping a digital copy of the policy and enjoy the full benefit of your insurance.

As global warming and its adverse effects become increasingly apparent, we need immediate solutions to combat climate change. India, a growing market for electric vehicles (EVs), has witnessed a surge in the adoption of electric bikes and scooters. To support this transition towards sustainable mobility, the Indian government has implemented various schemes. It includes the Electric Vehicle Policy and the Faster Adoption and Manufacture of (Hybrid &) Electric Vehicles (FAME) scheme. These initiatives aim to provide incentives and subsidies to EV manufacturers and buyers. Here, we will explore the state-wide subsidies offered for electric two-wheelers in India under the FAME scheme.

What is the Electric Vehicle Policy of India?

We can explain to you the Electric Vehicle Policy of India. It is a government initiative. It promotes the country’s adoption and manufacturing of electric and hybrid vehicles. It lays out a complete roadmap to electrify public and private transportation. It aims to reduce pollution and mitigate the impact of climate change. The policy includes various measures, such as subsidies, incentives, and infrastructure development, to accelerate the growth of the electric vehicle industry.

What is the FAME scheme?

The FAME Scheme, launched in 2015 as part of the Electric Vehicle Policy of India, is a financial incentive program designed to promote the production and sales of EVs in the country. The scheme supports manufacturers, suppliers, and buyers of electric vehicles to encourage their adoption and create a robust market for electric mobility.

What are the features of this scheme?

The FAME scheme encompasses several key features to drive the adoption of electric vehicles. Some of the prominent features include:

• Creating demand through financial incentives and subsidies.
• Promoting technology development and manufacturing of electric and hybrid vehicles.
• Establishing a charging infrastructure network to support electric vehicle usage.
• Encouraging public and government fleet electrification.
• Supporting research and development in the field of electric mobility.
• Implementing pilot projects for electric vehicles in various regions of the country.

In today’s world, where fuel prices continue to rise and environmental concerns loom large, understanding the mileage of your bike holds tremendous significance. The mileage, often referred to as fuel efficiency or fuel economy, is a vital metric that directly impacts your pocket and the environment. By calculating the mileage of your bike accurately, you gain valuable insights into its fuel consumption patterns, allowing you to make informed decisions about your riding habits, maintenance routines, and even future bike purchases.

Let us discuss how to calculate the mileage of a bike and tell you how to go about it in easy steps.

How to Calculate the Mileage of a Bike?

Here is a step-by-step guide on how to calculate the mileage of your bike:

Fill up the tank

Begin by filling your bike’s fuel tank to its maximum capacity. Record the total amount of fuel you have added in litres or gallons.

Note the odometer reading

Take note of the current reading on your bike’s odometer. This shows the total distance your bike has travelled.

Ride and refill

Start riding your bike as you normally would, keeping track of the distance covered. When you need to refuel, note the amount of fuel you add and the reading on the odometer.

Calculate distance travelled

Determine the distance covered during that ride by subtracting the initial odometer reading from the final. For example, if the initial reading was 500 kilometres and the final one was 550 kilometres, the distance travelled would be 50 kilometres.

Calculate mileage

Divide the distance travelled by the amount of fuel consumed.

Average it out

To obtain a more accurate estimate, repeat this process over several rides and calculate the average mileage. This will give you a better understanding of your bike’s overall fuel efficiency.

Here is a detailed method for calculating your bike’s mileage:

Take note of the odometer reading before starting your trip. Suppose the first reading is 1500 kilometres. You fill up your bike’s fuel tank with 4 litres of petrol and record the amount you added. After some time, stop to refuel. Record the odometer reading at this point. Let’s say the second reading is 1800 kilometres.

Determine the distance travelled during your trip by subtracting the first reading from the second reading. In this case, the distance travelled is 1800 - 1500 = 300 kilometres.

Calculate the mileage using the formula:

Mileage = (Second Odometer Reading - First Odometer Reading) / litres of petrol filled

Plugging in the values, we have mileage = 300 km / 4 litres = 75 kilometres per litre.

Factors Affecting Mileage of a Bike

There are several factors that impact the mileage of your bike. These are-

1. Weight: The overall heaviness or lightness of your bike affects its mileage. Unnecessary add-ons, large horns, and other accessories increase bike weight and decrease mileage.

2. Aerodynamics: If the bike can efficiently cut through airflow and reduce pressure on the engine, it is bound to have better fuel efficiency and good mileage.

3. Tyre Type: The size of the tyre and its air pressure impacts bike mileage. Low pressure and large size can significantly reduce the mileage of your two-wheeler.

4. Gears: Gears are an important part of any vehicle. Changing gears more frequently leads to higher fuel consumption and reduces efficiency, resulting in decreased mileage. Continuously using the bike on high gears also results in low fuel efficiency.

5. Fuel: The quality of the fuel used also impacts bike mileage. High-octane fuel provides more mileage. Contaminants in the fuel can reduce the performance of the bike and lower fuel efficiency.

6. Bike Maintenance: Keeping the bike parts, such as chains and tyres, clean is essential to ensure fuel efficiency. Also, check the two-wheeler for oil leaks or minor damages that may hurt its performance.

7. Fuel Tank: Filling the tank fully or leaving cracks in its cap unrepaired may cause fuel to spill or leak, affecting fuel efficiency.

8. Acceleration and Braking: The mileage of your bike may be reduced substantially if you overuse the accelerator and break. Learn to efficiently ride a two-wheeler on different terrains to resolve this issue.

9. Weather and Land Conditions: Extremely hot or cold weather can impact the bike’s fuel consumption. Similarly, riding a two-wheeler in difficult terrains such as mountains may increase fuel usage and decrease efficiency.

Tips for Maintaining Good Mileage on Your Bike

You should perform some regular maintenance steps to ensure fuel efficiency and good mileage-

1. Follow a Regular Maintenance Schedule: Clean your bike at home regularly, replace engine oil, and remove debris. Go for a servicing centre for additional maintenance and repairs.
2. Check Tyre Pressure: Inspect tyres regularly, using a pressure gauge to maintain proper air pressure. 
3. Ride Smoothly: Avoid overusing breaks and accelerators and maintain a stable speed within the limits of the bike and road.
4. Avoid Overloading: Do not carry extra luggage or accessories that may suddenly increase the bike’s weight and decrease its efficiency.
5. Use Good Quality Fuel: Always choose a trusted bike fuel brand and refill at authorised gas stations. Do not mix fuels or use additives without consulting with the manufacturer.
6. Switch Off the Engine: Turn off the engine when stopping in traffic to efficiently use fuel.
7. Use Gears Optimally: Shift bike gears smoothly and avoid using low gears for long periods.
8. Check Chain Tension: Ensure the bike’s chain is adjusted and well-oiled.
9. Plan Your Bike Rides: Pick routes with less traffic and smooth roads. Instead of making multiple short trips, try planning your ride to complete several errands in one go.

The importance of good two-wheeler insurance in maintaining the overall health of your bike can never be overstated. Always choose a policy that provides comprehensive coverage to keep your bike in top condition.

Conclusion

Following the steps outlined above, you can accurately determine your bike’s mileage and gain valuable insights into its fuel efficiency. Remember, regular calculations and mileage tracking can help you optimise fuel consumption and save money in the long run.

As a responsible bike owner, it is crucial to consider comprehensive bike insurance to protect yourself and your beloved two-wheeler. Bike insurance provides financial coverage against several unforeseen events.

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. 

Many a time, insurance terminologies are difficult to grasp. However, some jargon, if not understood well, can cause trouble during claim settlement. One such term is IDV or Insured Declared Value. In simple terms, IDV is the maximum claim you are entitled to from your insurer in the event of total loss or theft. IDV also plays an important part in determining your bike insurance premium. Let's go over it in detail.

Factors affecting the insured declared value (IDV)

IDV depends upon the following variables:

• Bike's age
• Registration date of the bike
• Place of registration
• Make & model and variant
• Fuel type
• Insurance policy tenure

How is IDV of bike calculated?

A bike is a depreciable asset that loses value over time. It is not only a vital factor in determining insurance premiums, but it also influences the reimbursement value during claim settlement. According to the Indian Motor Tariff, the depreciation rates are as follows:

The rate of depreciation increases with the bike's age. As a result, older bikes are less worthy than two-wheelers in their early years. If your bike is more than five years old, depreciation will be calculated making spare parts and serviceable condition a base.

In case you own an obsolete two-wheeler, the insurer will arrive at an IDV after reaching a mutual agreement with you.

Impact of IDV on bike insurance premium

IDV is one of the most important factors in determining the premium for your comprehensive two-wheeler insurance policy. The cost of insuring your motorcycle is proportional to the IDV. Furthermore, the amount you declare as IDV is what you will receive as compensation if your bike is completely damaged or stolen.

• Higher IDV = Higher Premium: In most cases, a higher IDV is recommended because it helps you get a decent value in the event of theft or total loss. If you own an obsolete or old bike, declaring a higher value will result in a claim rejection. The ideal IDV should be more in line with the bike's current market value.
• Lower IDV = Lower Premium: A lower IDV reduces the premium but can result in inadequate compensation if your bike is irreparably damaged or stolen.
• Balanced IDV Choice: It’s essential to choose an optimal IDV that provides adequate coverage without unnecessarily inflating the premium.
• Third-party bike insurance vs. Comprehensive Insurance: IDV is applicable only for comprehensive policies, as third party bike insurance covers damages caused to others and does not compensate for the insured bike’s loss.

Conclusion

The IDV in bike insurance is the maximum amount your insurer will pay in the event of theft or irreparable damage to your two-wheeler. This value is determined by factors such as the make and model of the bike, the registration date, the registration location, and the fuel type. Understanding how IDV is calculated and the way it affects your bike insurance cost helps in selecting the right coverage. Whether opting for third party bike insurance or comprehensive coverage, ensuring a well-balanced IDV choice is key to securing the best protection for your bike.

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.