Tips to Follow While Riding a Two-Wheeler

Two-wheelers are one of the most convenient and cost-efficient modes of commuting. Their ability to cut through long traffic and narrow lanes allows you to reach your destination quickly. However, there’s no denying the fact that even though bikes and scooters are fast and fuel-efficient, they are riskier than cars. According to the Insurance Information Institute, a two-wheeler accident is 30 times more likely to cause the rider’s death than other vehicles. Therefore, following road safety rules and tips will not only help two-wheeler owners avoid accidents and be more responsible citizens, but also help them enjoy a stress-free ride.

This blog provides tips for driving two-wheelers safely and the importance of following safety measures.

Importance of following safety measures while riding a two-wheeler

Following safety measures while riding a two-wheeler prevents serious accidents and protects both your life and the lives of other road users. Bike and scooter riders face higher risks of fatal accidents compared to car drivers because they lack the protective shell that surrounds four-wheelers.

When accidents happen, riders face direct impact forces due to collisions or falls. Safety measures like wearing protective gear, keeping your bike in good condition and complying with traffic rules can significantly reduce accident risks and injury severity, for all three - you, pillion and third-party.

In India’s traffic conditions, where motorcycles and scooters share roads with buses, trucks and heavy vehicles, following safety guidelines becomes even more critical. These measures also help you avoid legal penalties and insurance problems during claims.

Essential tips for two-wheeler riders

Here are eight tips that you can easily adapt to your daily riding routine to stay safe:

1.     Always wear a helmet while riding

Protecting your head from injuries is of utmost importance, as brain damage can be life-threatening. The Motor Vehicles Act, 2019, has mandated that all two-wheeler riders and pillion passengers wear an ISI-certified helmet with a thickness of 20-25mm. Not doing so can attract a fine of INR 1000. Repeated violations can lead to a driving licence suspension for three months.

2. Make yourself visible

Even the largest of bikes is the smallest vehicle on the road. Therefore, it’s crucial for the riders to make their motorcycle visible to drivers of larger vehicles, like buses, trucks and SUVs, so that they can maintain a safe distance between them. You should particularly stay away from the blind spots.

Additionally, you can install reflective bands on either side and the back of your two-wheeler, and wear bright coloured clothes and helmets to make yourself visible in low-light areas or remote highways.

3. Maintain a safe distance from other vehicles

Keep a safe distance from other vehicles to prevent a collision if they suddenly apply brakes or change lanes. Try to maintain a two-second space behind the vehicle in front under ideal conditions and increase to three or four seconds in low visibility, rain and when following larger vehicles. It is the minimum reaction time you need to stop safely.

Also, avoid overtaking until you are given a pass by the vehicle ahead of you. Never try to cut through the space left between two moving vehicles, as it could result in a lethal accident.

4. Ride what you can handle

Though sporty bikes with powerful engines can fascinate you, you should avoid riding them unless you are an expert. Instead, you should pick a motorcycle that you can easily handle, suits your physical strength, and fits your budget. If a motorcycle with so many gears seems challenging, riding and manoeuvring scooters is relatively easy.

5. Wear proper safety gear

Before taking your performance motorcycle out for adventure rides, hill driving or long road trips, you must wear adequate safety gear, including elbow guards, knee guards, a jacket, a helmet (Bluetooth preferably) and shoes. They will protect you from any severe injury in case of an accident.

Also, make sure that no part of your clothing or accessories is dangling while riding, as it can get stuck in the wheels and result in a fall.

6. Avoid riding in bad weather conditions

Unpleasant weather conditions, such as heavy rains, snowfall or strong winds, increase the chances of road accidents, especially in hilly regions. Roads may become slippery during such situations, and you may find it challenging to balance the two-wheeler. Therefore, avoid riding a bike during harsh weather conditions unless it’s absolutely necessary.

In unavoidable situations, keep your headlights and indicators on while riding to notify other drivers ahead and behind you.

7. Maintain your bike well

Proper maintenance is essential for your motorcycle. You should get your bike serviced at least once every six months or follow the manufacturer’s service schedule.

Alternatively, personally inspect the condition of the tyres, air pressure, brakes, horn, clutch, suspension and lights before every ride. This way, you not only reduce the chances of an accident but also maintain your bike’s performance.

8. Invest in a two-wheeler insurance

Every vehicle on Indian roads must have at least a valid third-party bike insurance. Investing in a comprehensive two-wheeler insurance plan will give you optimal protection as it safeguards you from incurring financial losses due to theft or damage to your bike.

Role of bike insurance in ensuring safety while riding a two-wheeler

Physical measures protect you during riding, but bike insurance provides financial safety that adds another layer of protection. Valid third-party bike insurance covers injuries to other people and damages to their property in case of accidents involving your vehicle.

Comprehensive bike insurance offers broader protection by covering your vehicle’s repair and replacement costs in case of fire, theft, vandalism and natural disasters. Some insurance companies also help you fight legal battles in case of third-party claims. Specific add-ons with a comprehensive policy provide road assistance like towing and battery recharge.  Cashless repairs and medical aid benefits can help you save more.

Bike insurance also incentivises responsible riding habits, as maintaining a claim-free record brings benefits like No Claim Bonus, which provides up to 50% discount on premiums.

This end-to-end financial security lets you enjoy your two-wheeler riding without worrying about sudden financial expenses.

Conclusion

The tips shared in this blog work as basic guidelines for every two-wheeler owner to ride safely on Indian roads. They are not mere suggestions, but tested life-saving practices. Defensive riding, staying visible to other vehicles and getting proper insurance coverage can protect you from physical and financial harm.

While you take the effort to improve your ride and maintain your bike, let us take the initiative to financially and legally care for you. Get tailored two-wheeler insurance online with relevant add-ons that suit your riding needs and budget by filling out the form provided on this page.

FAQs

• How to apply the two-second rule?

When behind a moving vehicle, choose a fixed point, like a nearby tree or shop, and count “one thousand one, one thousand two” when the front vehicle passes it. You should reach the same point only after finishing the count. This gives you enough time to brake safely.

• What bike insurance add-ons are suitable for long-distance travellers?

For long trips, consider roadside assistance coverage for emergency towing and repair services, personal accident cover for medical expenses and an engine protection add-on for damages caused by waterlogging or breakdown. Zero depreciation cover also helps get full claim amounts for parts replacement, which is typical in long journeys.

• What is personal coverage and how to get it?

Personal coverage in bike insurance compensates the rider and the pillion passenger for medical expenses, including ambulance, hospitalisation, disability or death, due to injuries sustained in accidents. While some insurers include personal accident cover in the comprehensive plan, others offer it as an add-on.

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.