Are you in the market for a two-wheeler that does not just promise affordability but also delivers on performance and reliability? The Bajaj Freedom 125 might just be what you need.

Read on to discover this bike's features, cost and other attributes that make it an excellent option for daily commuting and beyond.

Bajaj Freedom price

The Bajaj Freedom 125 is priced competitively, making it a great option for budget-conscious buyers.

• Price range: The Bajaj Freedom price starts at ₹90,272 and goes up to ₹1,10,000 (approx. ex-showroom price Delhi).
• Value for money: The bike’s pricing ensures performance and quality without compromising cost-effectiveness.

Bajaj Freedom specifications

The Bajaj Freedom 125 is built to deliver a smooth and efficient ride. Its engine, transmission and hybrid fuel system make it a reliable choice for both city commutes and long-distance travel.

Here are some of the standout Bajaj Freedom specifications:

• Engine:58 cc, four-stroke, air-cooled
• Power Output:5 PS @ 8000 rpm
• Torque:7 Nm @ 5000 rpm
• Transmission: 5-speed manual for smooth performance in city and highway rides
• Fuel Capacity: Hybrid system with a 2-litre petrol tank and a 2 kg CNG capacity
• Mileage: Owner-reported 91 kmpl with an estimated riding range of 330 km

Bajaj Freedom features

Bajaj Freedom features are very practical. They enhance safety, comfort and convenience. The bike is designed with features that offer a smooth riding experience while keeping essential utilities within easy reach.

• Instrumentation: Digital instrument console for a modern look.
• Safety:
  • Braking System: Combined Braking System (CBS)
  • Brakes: Drum brakes at the front and rear for reliable stopping power
• Dimensions:
  • Weight:8 kg
  • Seat Height: 825 mm
  • Ground Clearance: 170 mm
• Convenience Features:
  • USB charging port for easy device charging
  • Hazard warning indicator lights for enhanced safety
  • Electric start for quick ignition
  • Daytime Running Lights (DRL) for better visibility

Conclusion

This bike is popular for its affordable price and effective performance. It is suited for both novice and expert riders. When riding a bike, ensure you wear protective gear, stay within speed limits and acquire all relevant documentation like the Registration Certificate (RC), valid driving license and third-party bike insurance.

For enhanced safety, consider acquiring comprehensive bike insurance. This can protect your bike against theft, damage, and third-party liabilities. Comprehensive two-wheeler insurance provides financial security and peace of mind when riding.

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.  

There's nothing like the thrill of hitting the open road on your motorbike. Whether driving through beautiful country roads or navigating city streets, riding a motorbike is an exciting experience. However, safety should always be your top concern.

While some riders want to take a casual approach to short trips, experienced bikers know that safety gear isn't optional—it's important for every journey, no matter the distance. Having the right motorcycle gear isn't just about legal compliance; it's about ensuring your safety on the road.

Must-have motorcycle gear for your next ride

Today's protective equipment combines cutting-edge safety features with sleek, stylish designs that make you look as good as you feel on your bike. Let's explore the must-have motorcycle riding gear every rider should own.

• Helmet: Your trip starts with a quality helmet, as protecting your head is non-negotiable. Full-coverage helmets offer the best safety for both your head and face.

• Riding gloves: They are another important piece of a riding kit. In the event of a fall, our natural reaction is to break our fall with our hands. Quality riding gloves, especially waterproof ones, protect against possible injuries and protect your hands from wind and heat during long-distance travel.

• Riding pants: Many riders ignore the value of proper riding pants, often thinking regular jeans provide sufficient protection. However, speciality riding pants offer better support for your knees, legs, and rear.

• Riding jackets or body armour: Modern jacket companies design their products with integrated padding that helps protect your knees, shoulders, and back. Some even feature airbag technology for added safety. Additionally, they keep you warm and add a touch of style!

• Boots: Motorcycle boots provide important ankle safety and better grip on the road. Remember to wear proper boots that offer comfort and strength.

• Motorcycling goggles: These provide additional protection for your eyes, even when wearing a helmet. They prevent dust, dirt, and insects from interfering with your view, ensuring a safer ride.

Conclusion

While investing in quality motorbike gear might seem expensive initially, it's a small price to pay for your safety. Remember, these things aren't just decorations – they're important tools that could save your life. Choose gear that fits well and matches your riding style, and never skimp on quality when it comes to safety equipment.

While safety gear forms your first line of defence, comprehensive bike insurance provides crucial financial protection for you and your bike. A robust bike insurance policy covers possible damage to your motorbike and protects you against crashes and liabilities on the road. Consider it the final piece in your safety plan—one that works alongside your protective gear to give you peace of mind during every ride.

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.  

Dirt bike racing is one of the most exhilarating sports in the world. Whether you're new to dirt biking or looking to take your riding to the next level, understanding and mastering the basics of this exciting sport is essential for success. Read on to discover the key aspects of this sport.

What is dirt bike racing?

At its core, dirt bike racing is more than about motorbikes speeding around on dirt roads. It tests people and machines against difficult terrain, weather conditions, and fellow participants. From high-flying motocross jumps to endurance races through thick woods, it offers something for every type of rider.

Dirt biking comes in several exciting forms, each offering a unique experience, including:

• Motocross (MX): It takes place on open tracks covering 1-3 miles. These tracks feature natural and man-made landscapes with hills, jumps, and whoops. Races consist of two rounds called "motos," each lasting 12-30 minutes plus two laps. All racers in a class start simultaneously at a starting gate.

• Supercross (SX): It is similar to motocross but generally takes place in stadiums and halls. The tracks are more compact, with bigger jumps and shorter straights. Riders can go up to 35 feet in the air and cover lengths of 70 feet—making it a spectacular event for the audience.

• Hare scrambles or cross-country (XC): These races occur in wild landscapes over 3 to 8 mile routes. They involve difficult hurdles like rocks, water crossings, and high hills. Racers start in rows based on class, with 30-second gaps between groups.

• Enduro racing: It takes different forms, including standard timekeepers, restarts, and sprint enduros. These lengthy races, sometimes reaching 100 miles, include off-road and paved parts. Riders must follow specific time plans and pass through checkpoints along the way.

Conclusion

Dirt bike racing offers a unique feeling of excitement and personal success, even at the beginner level. It's not just about racing—it’s about pushing yourself beyond your comfort zone. Whether you choose the high-flying action of motocross or the stamina challenge of hare scrambles, the sport has something to offer for every kind of rider.

While standard bike insurance might cover your bike for street use, race events typically require specialised coverage. Many normal insurance plans exclude race or sporting events from their benefits. That's why looking into specific off-road or competition bike insurance plans that cover your bike and possible medical costs during race events is important. Before hitting the track, take time to understand your insurance needs and choices – it's an investment in peace of mind that lets you focus on what matters most.

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

Motorcycle touring is the perfect way to explore new destinations while enjoying the thrill of the open road.

However, a successful and safe trip isn’t just about hopping on your bike and riding off. Packing the right motorcycle touring essentials can make all the difference while on a journey. To help you prepare, we’ve compiled a comprehensive list of essential gear for motorcycle riding that every rider should carry for safety, convenience, and comfort.

Motorcycle Touring Essentials You Should Carry

Here are some bike touring essentials you should definitely pack:

1. Helmet and Riding Gear

• Helmet: A quality helmet is non-negotiable.
• Riding Jacket and Pants: Choose gear with proper padding and ventilation for protection and comfort.
• Gloves: Full-finger gloves offer a better grip and protect your hands in varying weather conditions.
• Riding Boots: Sturdy, waterproof boots provide safety and comfort on long tours.

2. Navigation Tools

• GPS Device/Smartphone Mount: A reliable navigation tool ensures you stay on track without fumbling for directions. A waterproof mount or GPS device is ideal for unpredictable weather.
• Offline Maps: Always carry paper maps or download offline maps as a backup.

3. Tool Kit and Spare Parts

• Basic Tool Kit: Carry a compact tool kit, including wrenches, screwdrivers, pliers and spare parts for quick fixes.
• Tyre Repair Kit: A good tyre repair kit is vital for addressing punctures during your journey. Don't forget a portable air pump or CO2 inflator.

4. Luggage and Storage Solutions

• Saddlebags and tank bags: Choose waterproof saddlebags, tank bags, or tail bags for organised storage.

5. Safety and Emergency Essentials

• First Aid: In an emergency, a first aid pack can save lives.
• Lighting and Reflective Accessories: Add extra lights or reflective tape to your bike and gear to stay visible during night rides or low-visibility conditions.
• Emergency Contacts: Keep a list of addresses and phone numbers for emergencies.

6. Personal Comfort Items

• Hydration Pack: A hydration backpack ensures easy access to water.
• Snacks and Energy Bars: Quick energy boosts when you need them the most.
• Sunglasses or Goggles: Helps protect your eyes from the sun, dust, and wind.

7. Electronics and Charging Devices

• Power Bank: Keep your devices charged on the go.
• Action Camera: Capture your journey with a camera mounted on your helmet or bike.

Conclusion

From protective gear to emergency tools, packing the right motorcycle touring essentials will prepare you for any situation on the road. With proper planning, essential gear for motorcycle riding and the security of two-wheeler insurance, you’re set to conquer the road and create unforgettable memories. So, gear up, plan wisely and let the adventure unfold!

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.  

Have you ever felt like your bike is holding you back, no matter how hard you pedal? It could be due to a dirty chain that restricts your bike’s efficiency. Just as precision engineering upgrades any machine’s performance, a well-maintained bike chain elevates your bike riding experience. A clean and well-lubricated chain ensures that each pedal stroke is transformed into smooth and efficient motion. It helps propel you with less effort and greater speed. The agility and responsiveness of your ride greatly depend on the condition of your chain, regardless of whether you are driving through city streets, mountain trails, or open highways.

Here’s a breakdown on how to clean bike chain so that you have the best experience on every adventure.

Step-by-Step Guide On How To Clean Your Bike Chain

Dirt, grit, and grime damage your bike more than you imagine. They diminish efficiency and necessitate costly repairs. Here is how you can clean your bike’s chain, step by step:

Tools and Setup: Prepare your workspace by laying out all necessary tools and cleaning solutions. You will need a quality degreaser, a chain scrubber or a set of brushes (a large brush for general cleaning and a smaller, detail-oriented brush for tough spots). You will also need a bucket of soapy water, clean rags, and bike-specific lubricant. Setting up in a well-ventilated area will help avoid inhaling fumes from the degreaser.

Step 1: Degrease Your Chain

• Choosing the Right Degreaser: These degreasers break down oils and residue effectively without damaging the metal or harming the environment.

• Application Techniques: If using a chain cleaning tool, fill it with a degreaser, attach it to the chain, and pedal backwards to allow the tool's brushes to clean thoroughly. If you are using a manual method, dip your brush in the degreaser and scrub every section of the chain by holding the brush steady and backpedalling. This will help you reach the inner areas of the links, which are critical for smooth operation.

Step 2: Scrub the Chain

Use a stiff nylon brush dipped in soapy water to scrub the chain after the degreaser has done its initial work. This helps remove any particles or grime the degreaser has loosened but not fully dissolved. Focus on one section at a time and rotate the chain to reach different areas. This methodical approach ensures no part of the chain is overlooked.

Step 3: Rinse the Chain

Rinse the chain thoroughly with clean and low-pressure water to make sure that all the degreaser and soap are washed away. Remaining cleaning agents can attract dirt if it is not fully removed. Consider utilising a spray bottle to control the amount of water and prevent over-soaking other parts of the bike that do not need water exposure.

Step 4: Dry the Chain

Dry the chain completely with a clean microfiber cloth after rinsing. It is effective in absorbing moisture without leaving fibres behind. Optionally, you can also use compressed air to blow out water from hard-to-reach areas within the chain links. To avoid corrosion and guarantee that the lubricant adheres correctly, the chain must be completely dry.

Step 5: Lubricate the Chain

• Lubrication Options: Choose a lubricant that matches depending on your usual riding conditions. Wet lubricants are best for wet and muddy conditions as they are water-resistant but can attract more grime. Dry lubricants are preferable in dry conditions because they form a dry film that does not attract much dust or dirt.

• Applying Lubricant: Apply the lubricant sparingly to each roller along the chain while turning the pedals to spread it evenly. Allow the lubricant to penetrate into the pivots and between the rollers and links, which reduces friction and wear during rides.

Step 6: Wipe Off Excess Lube

Wipe off the excess lubricant with the help of a rag. This helps prevent the accumulation of excess grease, which can attract more dirt. Focus on the outside of the chain where excess lubricant is most likely to attract debris.

Ongoing Maintenance

Regular Checks: Inspect your chain regularly for wear and lubrication needs. A well-maintained chain should move quietly and smoothly. If you notice rust, stiff links, or a noisy operation, it is time for a thorough cleaning or possibly a replacement.

Conclusion

Regular bike maintenance improves operational efficiency and demonstrates responsible ownership. Regularly maintaining your bike's chain directly influences its performance and safety.

A well-maintained chain ensures smooth shifting, reduces wear on other components, and enhances overall riding comfort. Additionally, timely maintenance can prevent costly repairs and extend the life of your bike and with the help in bike insurance you can protect your bike in case of an accident. By addressing minor issues before they escalate, you can maintain optimal performance and enjoy a safer, more enjoyable ride for longer periods.

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.  

Electric scooters are becoming increasingly popular in India due to their relatively low cost of maintenance, environment-friendliness, and efficiency. With a growing list of options available, the Indian consumer of today has a host of options available.

Read on to explore your options and find the best electric scooty under ₹90000.

List of Electric Scooters Under ₹90,000

Here are some of the best electric scooters available that retail for below ₹90,000:

• Ola S1 X

Price: Starting at ₹69,999

Range: 95 to 151km per charge

Top Speed: 85 to 90km/h

Charging Time: Between 5 to 6.5 hours, depending on battery capacity

The Ola S1 X is a great option for the urban commuter. It also features a modern look and sophisticated finish.

• Ampere Magnus EX

Price: ₹74,999

Range: Up to 112 km per charge

Top Speed: 50 km/h

Charging Time: 6 to 7 hours

The Magnus EX represents the balance between affordability and good performance. It offers a comfortable ride with suitable storage space, making it practical for daily commuting needs.

• Hero Electric Atria

Price: ₹82,400

Range: Up to 85 km per charge

Top Speed: 25 km/h

Charging Time: 4 to 5 hours

Hero Electric Atria is designed for urban mobility with features designed for enhanced comfort and ease of use. Its compact size also makes it ideal for navigating through traffic, and the battery capacity provides a sufficient range for all city rides.

• Ampere Zeal EX

Price: ₹86,700

Range: 80 to 100 km per charge

Top Speed: 50 to 55 km/h

Charging Time: 5 hours

The Zeal EX targets budget-conscious buyers. The scooter boasts a stylish design that balances speed and mileage.

Conclusion

Being environmentally conscious and choosing an eco-friendly mode of transport is a wise decision. Also, it is crucial to fulfill various aspects of ownership, including buying third-party bike insurance or investing in a comprehensive insurance plan. Both of these financially protect against unforeseen circumstances while on the road, leaving you to enjoy your ride hassle-free.

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.  

Low-maintenance bikes are ideal for daily commuters who want a worry-free driving experience with minimal upkeep costs. In India, where affordability and durability are key, many bikes offer excellent mileage, reliability, and ease of maintenance. Here’s a list of the best low maintenance bikes in 2024 that deliver great value for money.

Top Low-Maintenance Bikes

You can guarantee a smooth riding experience and save time and money by selecting a low-maintenance bike. These bikes are perfect for regular commuters because they are made to provide great performance with little maintenance.

1. Bajaj CT110

• Engine: 115 cc
• Mileage: 70 kmpl
• Price: ₹70,170 onwards
• Warranty: 5 years or 75,000 km

The Bajaj CT110 is one of the most budget-friendly options for daily use. It is ideal for both urban and rural users because of its sturdy build and great mileage. The bike also has reasonably priced spare parts and maintenance costs.

2. Hero Splendor Plus

• Engine:2 cc
• Mileage: 65 to 81 kmpl
• Price: ₹75,440 onwards
• Warranty: 5 years or 70,000 km

The Hero Splendor Plus is one of India’s best-selling bikes. Known for its durability, it comes with Hero’s trusted technology and offers exceptional fuel efficiency.

3. Bajaj Platina 100

• Engine: 102 cc
• Mileage: 70 to 80 kmpl
• Price: ₹68,700 onwards
• Warranty: 5 years or 75,000 km

The Platina 100 is renowned for its comfort and reliability. With low maintenance requirements and impressive mileage, this bike is an excellent choice for budget-conscious buyers.

4. TVS Sport

• Engine:7 cc
• Mileage: 75 to 80 kmpl
• Price: ₹59,881 onwards
• Warranty: 5 years or 60,000 km

The TVS Sport is another economical option for commuters. It’s an exceptional value bike, offering a sleek design, a reliable engine, and excellent mileage.

5. TVS Star City Plus

• Engine:7 cc
• Mileage: 65–75 kmpl
• Price: ₹74,800 onwards
• Warranty: 5 years or 60,000 km

The Star City Plus stands out with its dual-tone design and advanced features. It offers excellent fuel efficiency and low maintenance costs, making it a popular choice among daily riders.

Conclusion

When choosing a low-maintenance bike in India, it’s essential to consider factors like mileage, price, warranty, and ease of servicing. Bikes like the Bajaj CT110, Hero Splendor Plus, and TVS Star City Plus offer a great mix of performance, durability, and affordability. Getting quality bike insurance online is also essential to avoid unforeseen expenses and enjoy a hassle-free riding experience.

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.

Even if you own or have owned a two-wheeler in the past, you might not have thought much about the wheelbase, the distance between your bike's front and rear wheels.

However, it is an essential consideration—it is crucial to the performance and safety of your bike. The wheelbase affects everything from handling at high speeds to stability on winding paths. Let’s take a moment to understand this key component and how it impacts your ride.

Benefits Of Wheelbase In Bike

Here is a closer look at how a wheelbase in bike impacts various aspects of riding:

• Stability and Control: Bikes with longer wheelbases offer increased stability, which makes them efficient to handle, even at higher speeds. These bikes are less prone to wobbling and provide a smoother ride over bumps or dips in the road. This also makes them ideal for touring and cruising. The extended length of the wheelbase helps maintain a linear path—it reduces the amount of sway and improves the bike’s response to wind.

• Manoeuvrability: A bike with a shorter wheelbase can make sharp turns and navigate through congested urban environments easily. Shorter wheelbases also offer a more responsive handling experience and can help avoid road hazards. They make the bike more agile and easier to control at lower speeds. This is why many urban and sports motorcycles feature this design.

• Weight Distribution: The wheelbase also affects how weight is distributed across the chassis of the motorcycle. Longer wheelbases distribute weight more evenly between the front and rear wheels. This can help prevent the front or rear from becoming overly light and leading to loss of control.

• Speed and Performance: Sports bikes can benefit from shorter wheelbases as they facilitate quick direction changes and faster acceleration. The compact nature of these bikes helps riders experience brisk and responsive movements. This makes them suitable for racing and high-performance activities. On the other hand, cruising bikes benefit from the stability of longer wheelbases to handle high speeds with ease. The added length improves comfort and stability. They also offer a better posture while riding, which reduces rider fatigue over long distances.

Conclusion

Understanding the role of your motorcycle's wheelbase is essential for optimising handling and safety across different riding conditions.

It is also prudent to acquire comprehensive two wheeler insurance. This coverage is not just a formality—it is a fundamental aspect of your riding strategy. It offers financial protection against accidents and theft and ensures peace of mind every time you hit the road.

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

Among all the responsibilities that come with being a motorcycle owner, proper maintenance is one of the most important.

Keeping a simple motorcycle maintenance checklist on hand will help you in several ways: you will be able to keep your motorbike in excellent condition, prevent safety hazards, improve performance, and reduce the cost of services and repairs.

Remember, while maintenance is essential, a comprehensive two-wheeler insurance policy can also be beneficial, as it may protect you from future financial risks.

Read on to know what should be included in your motorcycle maintenance checklist.

Motorcycle Maintenance Checklist Complete List

Here are some essential things you should check when conducting maintenance checks on your motorcycle:

Engine Oil and Oil Filter:

Replacing the oil filter is a key part of maintenance that no bike owner should ignore.

The location of the oil filter must allow for the proper filling of the engine oil. Make sure the engine oil is below the indication line but not too low to cause damage to your systems. Importantly, make sure to inspect the colour of your engine oil. If it appears blacker in colour, it's time for a change.

Tyres:

Every bike general service checklist will require you to check the tyres. Make sure to check the pressure level and tread of your bike's tyres before taking it for a spin. Inspect the tyres regularly for signs of wear and tear and replace them if necessary.

Brakes:

Brake pads and brake fluid levels on bikes should be checked at regular intervals. Check whether the brake pedal is travelling properly and ensure the brake pads are not overly worn out. If the brake pads are thinner than 2mm, they will need to be replaced.

Battery:

Make sure you don’t subject your bike’s battery to extreme temperatures. Clean off accumulated dust, grim or other pollutants at least once every few days. You can also use anti-corrosive spray to deter damage around terminals. At least once a month, check battery fluid levels.

Air Filter:

Inspect your air filter regularly to remove dust, dirt, and debris. Replace the filter if it’s clogged, dirty, or damaged.

Coolant:

Check your coolant levels at set intervals or whenever you notice something is amiss. Bike coolant has to be changed every 2 years or so based on your bike model.

Chains:

Regularly clean the grease and grime from the chains and lubricate them with oil. Replace them when you notice excessive wear.

Conclusion

Developing a personal motorbike maintenance checklist can extend the lifespan of your two-wheeler and keep it in top condition. Regular maintenance improves performance and reduces the chance of accidents.

However, to truly keep safe on the road and access professional maintenance for your bike whenever required, it is prudent to acquire a comprehensive two wheeler insurance policy.

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.  

A motorcycle may read as a good fit for you on paper, but it’s always best to opt for a test drive before you make the purchase. A test ride provides you with the actual experience of riding the motorcycle and allows you to make a well-informed and conscious decision.

During a test ride, you should ideally assess whether the bike matches your expectations for comfort and overall performance.

Read on to learn of some key considerations when test driving a motorcycle.

Tips On How To Test Ride A Motorcycle

Here’s how to effectively test drive a motorcycle:

Be Prepared

After you schedule your appointment for a test drive with a dealership, it’s important to prepare yourself. It’s best to carry your driving license and other identification. Moreover, it’s best to wear appropriate attire. Some essential accessories include a helmet, closed-toe footwear or boots, riding gloves and a jacket. This ensures you replicate your driving experience and remain protected.

Focus on the Key Aspects

When you test drive the motorcycle, pay attention to the important features. Closely evaluate the type and performance of the engine, braking system, suspension, acceleration and other pertinent features. A test ride provides the opportunity to closely evaluate these characteristics.

Test Drive on Different Terrain

When taking a motorcycle out for a test drive, it is important to experience the stability on various types of terrain. If possible, it’s recommended that you drive down smooth and bumpy roads, highways, and narrow lines. This will let you accurately evaluate performance and identify any potential handling issues.

Consider the Performance and Comfort

The bike’s performance and level of comfort are perhaps the most crucial aspects to consider during a test drive. A bike may check every box, but if it doesn’t afford you the level of comfort you were looking for, it’s probably not the right choice. It is also important to check that the bike performs consistently during the test drive.

Conclusion

Understanding how to test-ride a motorcycle can help you choose the perfect ride that meets all your requirements and expectations. A thorough evaluation of overall performance ensures you buy a vehicle that shall give you the perfect riding experience that never disappoints.

Remember to additionally pay attention to all legal stipulations that come with purchasing a motorcycle. This includes appropriate documentation and valid two-wheeler insurance. You can easily purchase bike insurance online to safeguard your vehicle and afford financial coverage in the event of an accident or damage.

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.  

Not all bikers ride the same way. Some take it slow, while others love to push their limits. Some enjoy exploring unknown terrains, while some are just starting their biking journey. No matter the riding style, having the right two-wheeler insurance coverage is crucial for financial security and peace of mind.

The slow rider

Slow riders believe in safe and steady biking. They strictly follow traffic rules, maintain moderate speeds, and wear protective gear. They are the kind of riders who wait patiently at red lights, avoid reckless overtaking and prefer taking familiar routes. Their focus is on minimising risks rather than rushing through traffic.

While slow riders are less prone to high-speed crashes, they are still vulnerable to minor accidents, road mishaps and unforeseen breakdowns. These types of riders in insurance can help slow riders:

• Zero depreciation: Ensures that in case of an accident, the insurance company covers the full cost of repairs without factoring in depreciation.
• Roadside assistance: Offers immediate help in case of a flat tyre, battery failure or other breakdowns.
• Personal accident cover: Provides financial support in case of accidental injuries to the rider.

The traveller / adventure rider

Adventure riders are not just bikers, but explorers. They love riding through mountains, deserts and highways. These riders often travel in groups, participate in road trips and love to take their bikes to remote destinations.

Adventure riders put their bikes through rough terrains, unpredictable weather and long hours of riding. Their insurance should cover extensive wear and tear, unexpected damages and emergency assistance. The types of riders that these riders can opt for are:

• Roadside assistance: Essential for long trips, this rider provides towing and repair services in case of breakdowns in remote areas.
  
  
• Tyre Protection: Protects against punctures, cuts and damages as they are common during off-road and long-distance rides.

The fast rider

Fast riders love the thrill of speed. They zip through traffic, take sharp turns and push their bikes to the limit. They are passionate about performance. Hence, they modify their bikes for better acceleration and handling. However, their high-speed riding style increases the risk of accidents and bike damage.

These types of bikers can opt for two-wheeler insurance riders that provide extensive protection against accidental damage, engine breakdowns and repair costs such as:

• Engine protect: Covers engine damage caused by sudden acceleration, overheating or water ingress during monsoons.
• Accidental damage: Provides financial protection in case of accidents, covering repair expenses.

The new rider

New riders are just beginning their journey on two wheels. They are still mastering balance, learning road rules and building confidence in handling their bikes. Because of their inexperience, they are more likely to face minor accidents, scratches and damages while riding.

For a new rider, two-wheeler insurance riders should focus on affordability, accident protection and coverage for minor damages that may occur as they learn. These include:

• Zero depreciation: Ensures that the insurance covers the full cost of bike repairs without factoring in depreciation. This is crucial for a new bike.
• Personal accident: Provides financial assistance in case of injuries while riding.

Conclusion

Irrespective of the biker you are, having the right insurance coverage is crucial for a worry-free ride. The right types of riders can protect you from financial losses in case of accidents, theft or breakdowns.

So, whether you’re a slow rider, a fast rider, an adventure enthusiast or a beginner, make sure to pick the insurance rider types from different riders to keep your ride secure and stress-free.

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.  

Getting a learner's licence is the first step toward riding a bike legally. If you're preparing for the learner license test for your two-wheeler, a little preparation can go a long way in helping you clear it on the first attempt. Many people assume the bike learners test is difficult, but with the right approach, it's simple.

Prerequisites for the test

You no longer have to stand in long queues for a learner's licence. You can apply online and make the process hassle-free. All you need to do is:

• Visit your state transport department’s official website
• Download the application form
• Fill in the required details

You'll need to upload documents like proof of address, proof of identity, passport-sized photos and the applicable fee.

Once your application is submitted, you can select a slot for the learner licence test for your two-wheeler. On the test day, show up and take the exam. If you clear the bike learners test, you’ll receive your learner’s licence. However, remember that as a learner, it’s wise to ride under the supervision of a licensed driver and ensure your vehicle has a visible red ‘L’ sign.

Track test for two-wheeler driving test

Once you've had your learner's licence for a month, you can apply for a driving licence. The process is quite similar to getting your learner's licence. However, the test itself is different and varies from state to state. If you're taking the learner licence test for two-wheeler, you'll likely be asked to ride around an '8'-shaped track.

During the test, evaluators will assess:

• Your riding skills
• Understanding of hand signals
• The use of indicators

You must also complete the track without letting your feet touch the ground. You'll receive your driving license once you clear the bike learner's test. Also, before hitting the road, make sure to secure two-wheeler insurance to remain financially cushioned in the event of any untoward incidents.

Preparation for written test

Ample material is available over the web, which you can use to prepare for the written test. Make sure to go through the materials carefully and grasp them. The written test covers:

• Understanding traffic rules and regulations
• Identifying and interpreting road signs
• Learning safe riding techniques
• Knowing basic motorcycle maintenance and troubleshooting
• Mastering defensive riding strategies
• Handling emergencies on the road

Also, it’s vital to stay calm and not panic on the test day.

Things to consider for bikes licence test

The essential things to consider for this all-important test are:

• Know the rules of the road

Understanding traffic rules is crucial. Study the road signs, signals, and lane discipline. The test will check your knowledge of speed limits, right-of-way, and safety measures.

• Practise riding skills

A written test isn’t the only thing to consider. You also need to demonstrate proper riding skills. Practise smooth braking, maintaining balance and using indicators correctly.

• Wear proper safety gear

On the test day, make sure you’re wearing a helmet, gloves and appropriate footwear. Not only is this a safety requirement, but it helps create a good impression on the examiner.

Conclusion

Cracking a learner licence test for your two-wheeler requires dedicated effort and commitment. With the right approach, you can pass this test with ease and take a step forward to ride your favourite two-wheeler. Also, compare various two-wheeler insurance plans and choose the one that best fits your needs.

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.  

A standard two-wheeler insurance policy provides basic coverage, but it may not be enough to cover all risks. This is where two-wheeler insurance add-on covers come into play. These add-ons enhance your policy, offering extra protection against financial losses. By choosing the right bike insurance add-ons, you can ensure complete peace of mind while riding your bike.

Add-ons in bike insurance policy

The various kinds of two-wheeler insurance add-on covers include:

• Zero depreciation cover

Zero depreciation cover, also known as bumper-to-bumper insurance, is an add-on cover in two-wheeler insurance that ensures full claim settlement without factoring in depreciation. Typically, when a bike undergoes repairs, insurers deduct depreciation costs on replaced parts reducing the claim amount.

However, with zero depreciation cover, the insurer covers the entire repair cost. This add-on is especially beneficial for new bikes, as it minimises out-of-pocket expenses in case of damage. Though it comes with a higher premium, it provides financial security and peace of mind by ensuring maximum claim benefits.

• Roadside assistance cover

This add-on cover in two-wheeler insurance provides immediate help if your bike breaks down while riding. It includes services like towing, minor repairs, flat tire assistance, fuel delivery and battery jump-starts.

This add-on ensures that you get quick support without extra costs during emergencies, reducing stress and inconvenience. It is especially useful for long rides and remote areas where finding help can be difficult.

• Engine protection cover

One of the major bike-insurance add-ons, engine protection cover, provides financial protection against damage to your bike's engine due to water ingression, oil leakage or mechanical breakdown.

This add-on is beneficial, especially for those living in flood-prone areas or frequently riding through waterlogged roads.

• Consumables cover

This cover in bike insurance is an add-on that covers the cost of consumable items like engine oil, nuts, bolts, grease, brake oil and similar components that need replacement after an accident.

Normally, these expenses are not covered under a standard bike insurance policy. However, these costs are reimbursed with this cover. This helps reduce out-of-pocket expenses during repairs. This add-on is especially beneficial for expensive bikes.

Conclusion

A two-wheeler insurance policy is essential. However, adding extra coverage can make a huge difference in protecting your finances. Choosing the right two-wheeler insurance add-on covers ensures your bike is secured from unexpected expenses. Assess your needs and opt for the one to ride worry-free.

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.  

The Bajaj Dominar 400 is one of the most powerful bikes in the Bajaj family. It is known for its muscular design, solid performance and great touring abilities. Designed as a sports tourer, the Dominar 400 is perfect for both city rides and long-distance journeys.

With a powerful 373.3cc engine and modern features, it is ideal for riders who want performance, comfort and style in one package. Read on to explore the Bajaj Dominar price, specifications and features.

Dominar 400 price

The Dominar 400 offers excellent value for a bike in the 400cc segment. It is loaded with features and powerful performance that justify the cost.

• The Bajaj Dominar 400 is priced at Rs. 2.33 Lakh (approx.)(ex-showroom price in Delhi).
• Available in two colours: Charcoal Black and Aurora Green

Dominar 400 specifications

The Dominar 400 is designed for performance, featuring a powerful engine and a robust frame. Bajaj Dominar specifications highlight why it is known as a true sports tourer

• Engine: 373.3 cc, single cylinder, 4-stroke, DOHC, 4 Valve, liquid-cooled
• Maximum power: 40 PS @ 8800 rpm
• Maximum torque: 35 Nm @ 6500 rpm
• Gearbox: 6-Speed with Assist & Slipper Clutch
• Brakes:
• Front: 320 mm disc
• Rear: 230 mm disc
• Top speed: 155 kmph
• Fuel tank capacity: 13 litres

Dominar 400 features

The Bajaj Dominar features and advanced technology ensure a comfortable and safe riding experience.

• LED tail light and turn indicators add a modern touch
• Digital instrument console with speedometer, odometer, trip meter and tachometer
• Navigation assist makes touring and exploring new routes easier
• Dual-channel ABS ensures safer braking and better control
• Split seat design provides comfort for both rider and pillion
• Adjustable windscreen enhances comfort on long highway rides
• Real-time mileage and distance-to-empty indicators help monitor fuel efficiency
• USB charging port allows convenient charging for phones and gadgets

Conclusion

The Bajaj Dominar 400 is an excellent option for riders looking for a powerful sports tourer. However, remember to prioritise safety when riding a bike. Wear protective gear, follow road rules and ensure you have the necessary documentation, including a registration certificate (RC), a valid licence and third-party insurance.

Buying bike insurance online makes it easier to compare policies. Additionally, a comprehensive bike insurance policy covers third-party liabilities and protects your bike against accidents, theft, natural disasters and more, giving you peace of mind on every ride.

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. 

The Bajaj Chetak is a name that evokes nostalgia for many Indians, symbolising trust and reliability across generations. Now, Bajaj has reimagined the Chetak for the modern world as an electric scooter. It still carries the same legacy but now runs on electricity, making it better for the environment and more economical to ride.

With a strong build, good range and stylish looks, the Bajaj Chetak is perfect for city rides and daily commuting. Let’s take a closer look at the Bajaj Chetak price, specifications and features.

Chetak price

The Bajaj Chetak 3501 offers great value for money. The price can change depending on the city and model. Here’s a quick overview:

• Chetak 3501 price: ₹1.42-₹1.47 lakh (approx.)(ex-showroom price in Delhi)
• Other Models available: Chetak 3502 and Chetak 2903

Chetak specifications

The Bajaj Chetak 3501 has impressive specifications for Indian roads and weather. Here are some key Bajaj Chetak specifications:

• Battery capacity: 3.5 kWh
• Range: Up to 153 km/charge
• Top speed: 73 kmph
• Charging time (0-80%): 3 hours
• Transmission: Automatic
• Brake: Front: Disc, Rear: Drum
• Instrument console: Digital

Chetak features

The Bajaj Chetak 3501 has features that make every ride smooth, safe and comfortable. Some of the best Bajaj Chetak features include:

• Electric power: Runs entirely on electricity, eliminating the need for fuel
• Robust build: Durable metal body designed to withstand bumps and rough roads with ease
• Convenient start: Push-button start for effortless ignition
• Advanced digital console: 5-inch TFT touchscreen display with a digital speedometer and odometer
• Smart connectivity: Bluetooth integration for seamless pairing with your devices
• Modern lighting & alerts: LED headlights for better visibility, along with a low battery indicator for timely recharging

Conclusion

The Bajaj Chetak is more than just an electric scooter; it’s a journey from the past to the future. With a strong build, great range and smart features, it’s perfect for anyone looking for a reliable and eco-friendly ride. If you are considering switching to an electric scooter, the Bajaj Chetak is worth considering.

When riding a scooter, wearing protective gear, following speed limits and ensuring you have the necessary documentation are essential. This includes a Registration Certificate (RC), a valid driving licence and a suitable   insurance policy. Opting for comprehensive two-wheeler insurance provides complete protection, covering both third-party liabilities and any damage to your scooter.

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. 

When applying for a driving license in India, different vehicle categories determine the type of license you need. Two commonly confused categories are Motor Cycle with Gear (MCWG) and Light Motor Vehicle (LMV), both issued by the Road Transport Authority. Understanding the difference between these categories is crucial to ensure compliance with traffic regulations and selecting the right car or bike insurance.

Difference between LMV and MCWG driving licences

• The MCWG category refers to motorcycles, bikes and mopeds with gears, including both personal and transport-use vehicles. This means anyone with an MCWG license can legally ride motorcycles of any engine capacity that are equipped with gears.
• The LMV includes small four-wheelers such as cars, jeeps, vans and autorickshaws with a gross vehicle weight no more than 7,500 kg. The LMV license is further divided into LMV-NT (Non-Transport) for private vehicles and LMV-TR (Transport) for commercial use.
• An LMV license does not authorise the holder to ride motorcycles with gears. To legally operate both an LMV and an MCWG, separate endorsements must be obtained on the driving license.

Considering insurance for LMV and MCWG

Whether you are the holder of a LMV or an MCWG driving licence, having valid insurance is mandatory under Indian motor laws. Choosing the right bike or car insurance plan ensures financial protection against unforeseen accidents and legal compliance. For a hassle-free riding or driving experience, make sure to compare policies based on coverage, premium, and claim settlement ratios to get the best plan suited to your vehicle type.

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.  

The Bajaj Pulsar RS200 is one of the most popular sports motorcycles known for its performance, style and advanced features. With a sporty design and reliable performance, it has become a favourite choice for biking enthusiasts.

Read on to discover its price, specifications and features.

Pulsar RS200 price

The Bajaj Pulsar RS200 is priced competitively, making it a good option for anyone looking for a stylish sports bike without spending too much. The price may change depending on the city or state.

• Price: The Pulsar RS200 price starts from ₹1,84,115 (approx.)(ex-showroom price in Delhi).
• Variants: Available in standard variant with multiple colour options.
• On-road price: Varies based on location, including additional charges like RTO fees and insurance cost.

Pulsar RS200 specifications

The RS200 is built with a powerful engine and advanced technology that ensures great performance and smooth rides. The key Pulsar RS200 specifications are:

• Engine: 199.5cc, single spark 4-Valve, FI engine, liquid-cooled
• Power: 18 kW (24.5 PS) at 9,750 rpm
• Torque: 18.74 Nm at 8,000 rpm
• Transmission: 6-speed gearbox
• Fuel tank: 13 litres capacity
• Brakes:
  • Front: 300mm
  • Rear: 230mm
  • Dual Channel ABS.
• Tyres: Tubeless tyres for enhanced safety.

Pulsar RS200 features

The bike's features enhance the riding experience while giving the bike a sporty look. Some of the key Pulsar RS200 features:

• Design: Sporty, race-inspired aesthetics with aerodynamic fairing
• Lighting: Projector headlamps for better visibility
• Instrument cluster: Digital display providing essential information
• Cooling system: Advanced liquid cooling for optimal engine performance
• Braking: Dual Channel ABS ensures safe braking on various surfaces
• Ergonomics: Riding posture balances comfort and sportiness
• Colours: Available in Active Black Satin, Pearl Metallic White, Glossy Racing Red

Conclusion

The Bajaj Pulsar RS200 stands out as a well-rounded sports bike, offering impressive performance, modern features and striking design. Its competitive price makes it a great option for riders seeking a dynamic yet practical motorcycle. Whether for daily commute or weekend getaways, the RS200 delivers a thrilling experience.

However, safety should always come first when riding a bike. Wear protective gear, follow speed limits and carry essential documents including the Registration Certificate (RC), a valid licence and third-party two-wheeler insurance. For enhanced protection, consider opting for comprehensive bike insurance, which covers risks such as accidents, theft and damage.

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. 

Obtaining a bike learning licence is the first step towards legally riding a two-wheeler in India. The cost of a motorcycle learner's licence varies by state but is generally affordable, ensuring accessibility for all potential riders. The fee structure includes application charges, test fees, and in some cases, additional biometric or service charges set by the respective Regional Transport Office or RTO.

Learning licence fees for bikes

• The base fee for a bike learning licence in most Indian states ranges from ₹150 to ₹200.
• An additional test fee of around ₹50 to ₹100 is charged for the learner’s licence test.
• Some states may have online service fees or biometric verification charges, which slightly increase the overall cost.
• In states like Maharashtra, Karnataka, and Tamil Nadu, the total motorcycle learners cost may include extra processing charges.
• The cost of a motorcycle learner's licence in states like Delhi and Uttar Pradesh remains close to the national average but may vary slightly depending on local RTO policies.

Why knowing your learning licence fees matters

Understanding the bike learning licence fees ensures that applicants are aware of the exact cost before applying. Additionally, securing two-wheeler insurance early provides financial and legal protection, which becomes crucial once a permanent licence is issued.

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.  

The Bajaj Pulsar NS125 is an exciting entry into the popular Naked Street (NS) lineup, combining aggressive styling with accessible performance. As riders look for their first sports motorcycle experience, the Pulsar NS125 delivers the signature NS design language in a more accessible and affordable package.

This blog explores the Pulsar NS125 price, specifications and standout features that make it a compelling option in India's competitive 125cc segment.

Pulsar NS125 price

The Bajaj Pulsar NS125 is available in three variants. The ex-showroom prices are as follows:

1. Pulsar NS125 STD: Rs.99,994 (approx.)
2. Pulsar NS125 BT: Rs.1,01,741 (approx.)
3. Pulsar NS125 ABS: Rs.1,06,739 (approx.)

Pulsar NS125 specifications

The Pulsar NS125 specifications highlight its everyday rideability and impressive acceleration on the streets:

• Engine:124.45cc 4-Stroke, SOHC 4-Valve, Air Cooled, BSVI Compliant DTS-i
• Maximum power: 12 PS @ 8500 rpm
• Maximum torque: 11 Nm @ 7000 rpm
• Transmission (gearbox): 5 speed
• Fuel tank: 12L
• Kerb weight: 145 kg
• Suspension: Front: telescopic; rear: mono shocks

Pulsar NS125 features

The Pulsar NS125 features include several premium elements typically found on higher-displacement motorcycles:

• Distinctive wolf-eyed headlamp with LED DRLs (Daytime Running Lamps) for excellent visibility
• Digital-analogue instrument cluster displaying speed, fuel level, trip meter and service reminders
• Anti-skid braking system for precision braking, paired with 240 mm front petal-disc brakes
• Sporty split-seat design for rider and passenger comfort
• Sculpted fuel tank for both aesthetics and ergonomics
• Underbelly exhaust maintains a sleek profile while meeting emission standards
• Perimeter frame providing improved stability
• Muscular tank shrouds with aggressive styling
• Dynamic colours: Beach Blue, Fiery Orange, Gloss Pewter Grey and Burnt Red

Conclusion

The Bajaj Pulsar NS125 combines style, performance and affordability, making it a great choice for riders entering the sport motorcycle segment. When riding a bike, it’s important to wear protective gear and acquire the mandated third-party insurance.

Additionally, comprehensive bike insurance provides financial security against unforeseen events, theft and natural calamities. Acquiring bike insurance online provides the convenience of instant policy issuance, hassle-free renewals and easy plan comparison, all from the comfort of your home.

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. 

Your bike’s Pollution Under Control or PUC certificate certifies that it’s emissions comply with the permissible pollution levels set by the government. Regularly checking your bike’s pollution validity ensures legal compliance, helps avoid fines, and hassle-free renewal of your two-wheeler insurance. Fortunately, you can check your bike’s PUC validity for free online.

Steps to check the status of PUC certificate of your two-wheeler online:

• Simply visit the Ministry of Road Transport and Highways' official portal – https://parivahan.gov.in  
• Scroll down, and select the ‘PUC’ certificate section Look for the option to check pollution certificate validity for a bike.
• Enter your bike’s registration number and the last five digits of the chassis number.
• After submitting the details, the website will display your bike’s PUC validity, including the expiry date and certificate number.
• If needed, download a copy of the certificate for future reference.

Ensuring compliance and insurance validity

Checking the validity of your bike’s pollution certificate is essential for responsible vehicle ownership, avoiding penalties, and for renewing your two-wheeler insurance policy. Regular monitoring and timely renewal of your bike’s PUC certificate can ensure compliance with emission norms plus smoother two-wheeler insurance renewals.

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.