The COVID-19 pandemic has already affected more than 2 lakh people across the country. Although the infection rate is comparatively low in India relative to our population size, we’ve still got a long way to go in overcoming the crisis completely. The Indian Government has taken several steps to tackle the issue and lessen the spread of this deadly pandemic. Medical researchers are putting in all efforts to develop an effective vaccine quickly. As of now, maintaining hygiene and social distancing are the best habits we can practise to prevent catching an infection.

At ICICI Lombard, we’re doing our best to ensure you’re not alone in the fight against COVID-19. We understand that swift action – testing and treating the disease – is critical, especially in the case of severe complications. There is a lot of confusion surrounding which hospitals have isolation beds, how to file cashless/reimbursement claims for treatment, and much more. To help you avail medical services in time, without worrying about your finances, is of utmost importance to us at the moment. Here are some of the initiatives we have taken to support you when you need us the most!

Hospitalisation Covered

While government hospitals are offering free COVID-19 treatment, not everyone may be able to get treated at one, due to the large number of cases these hospitals are currently seeing. Moreover, some people may prefer treatment at private hospitals. The medical expenses at a private hospital can go up to a few lakhs since treatment can span across several days, or maybe even a couple of weeks. To help you get treated at the nearest hospital without delay, we cover COVID-19 hospitalisation expenses, including room rent and daycare procedures. Moreover, if you’ve opted for our Outpatient Department (OPD) cover, we also pay for your diagnostic test expenses. So hospital bills should not deter you from getting the right treatment at the right time.

Not sure where to get treated? Check out COVID-19 facilities near you here – COVID-19 Hospitals | COVID-19 Testing Labs

COVID-19 Helpline - 04066274205

We know that you may need our help during emergencies – whether it’s for finding a network hospital or filing a claim. Don’t worry; we’re just a phone call away for support. You can call us for any queries from 9 AM to 6 PM (Monday to Saturday) and avail our Emergency Assistance Information services under your health insurance policy. Our executives will be happy to help you!

Highest Priority for Coronavirus Cases

To reduce the stress associated with diagnosis, treatment and recovery, we’re taking COVID-19 cases, and those with COVID-19 symptoms, on top priority. We’re putting in all our efforts to settling these claims speedily so that you have one less thing to worry about if you’ve tested positive.

Easy Claiming

Claims don’t have to add to your coronavirus anxiety, especially during this time of crisis. The last thing you’d want is to wait for ages to get a settlement on your COVID claims. To make life easier for you, we are now accepting scanned documents for your health insurance claims. You focus on recovery, and we’ll focus on covering your medical expenses!

Second Opinion

If you’re not satisfied with your physician’s diagnosis, we help you get a second opinion to make a sound decision on your health. Especially during the COVID crisis, we can arrange for a medical expert to help you with a second opinion online. Now you don’t need to step out of your home to speak to a doctor and seek help on health concerns. Just call us on our COVID-19 helpline (04066274205) for assistance.

Be it during large calamities like Odisha cyclone or minor accidents like a broken tail-light, we have always stood by our customers in time of need. We have repeatedly introduced industry-leading practices for nearly two decades.

Sportspersons are not only healthy and fit, but they also live a disciplined and focused life. Not one sportsperson out there will ignore getting a health insurance cover, because they understand its need and benefits. They also effectively realize that health is wealth and here are a few tips about health insurance you can learn from a sportsperson.

Make a Commitment to Health

Every sportsperson will agree that commitment is the first and the most important step for achieving your goals. Make a commitment to health and take the practical decision of buying health insurance. Healthy eating, exercise and healthy habits are ideal but ill health and accidents can come knocking at random doors. Protecting yourself from such uncertainties and their heavy costs is possible with health insurance.

Set a Realistic Goal

Once you’re committed to a cause, setting a goal and figuring how to reach it is the next step. Just like a runner trains on the basis of the time in which they want to finish the race, you too have to figure out how much sum you need to be assured of. This depends on the diseases you’re prone to, which other family members you’re getting covered and the plans available in the market

Make an Informed Decision

Like every sport has its own rules and penalties, health insurance covers come with their own conditions, exclusions and exceptions. Do your research and know what you’re signing up for. Some people get a rude shock at the time they make a claim. You can avoid that by making an informed decision.

The Finance Minister has already presented Union Budget of 2018. Here’s how it is going to impact your health insurance policy

Every year, the Central Government comes out with the Union Budget amidst high hopes from every section of the population. Everyone is hooked to every word spoken during the budget speech, in the hope of something favourable being announced for them. Salaried people, farmers, corporates and economists all anticipate some good news that will make their daily affairs simpler.

Union Budget 2018 was presented by the Finance Minister on February 1 this year, and was predominantly a farmer’s budget, with healthcare also finding ground. There was a clear emphasis on rural India with the launching of new schemes for the agriculture sector.

As for insurance, there were some welcome changes made in the sphere of health insurance, bringing in some much-needed relief to senior citizens that are struggling to cope with rising cost of healthcare.

Increase In Deduction For Senior Citizens

The budget has increased the limit of deduction under Section 80D from ₹30,000 to ₹50,000 for senior citizen taxpayers with respect to health insurance premiums or medical expenditure. This move is a positive step towards improving the health and safety of senior citizens in the country. It will also reduce their tax liability and give them some respite from the ever-increasing cost of medical treatments, that consequently demand higher coverage amount.

This deduction is applicable towards payment of premium on health insurance policy or preventive health-check-up by a senior citizen. However, for a super-senior citizen (above 80 years of age), this deduction can be had for medical expenditure as well.

The mere thought of standing by the roadside and stuffing in those hot fried stuff makes your tongue water. Even the most hygiene-conscious can’t deny the hunger spell induced by those aromas! But if you peel back the covers and look little beneath the aroma and taste, a whole different picture starts to emerge.

Thanks to the intake of simple carbohydrates like white bread, white rice, and the wide availability of fast food, India has broken into the list of the top five countries in terms of obesity. Adding to the worries, the National Family Health Survey (NFHS) in 2016 revealed that the percentage of obese men and women has doubled over the decade.

Obesity, a malaise in itself can also lead to several diseases like diabetes, stroke, osteoarthritis, high blood pressure, heart disease, respiratory problems, etc.

Do you know the factors that lead to obesity? Here is a list of the top factors that contribute to making you obese.

1. High amount of carbohydrates in diet

Our diet is often held as the primary factor responsible for causing obesity. The problem starts right from childhood. Doctors and researchers opine that wrong eating habits developed in one’s childhood, lead to obesity. India is on the path to becoming a home for 17 million obese children by the year 2025, making it second among 184 countries.

Doctors are of the opinion that eating a greater amount of simple carbohydrates, like white rice, bread, usually found in ‘junk food’, as compared to proteins and complex carbohydrates is causing an increase in obesity. So, the next time you drool over fried food or other mouth-watering delicacies, think about the impact it would have on your health.

2. Sedentary lifestyle and a reduction in physical activity

Along with the diet, experts also put the blame on lack of physical activity for an increase in obesity. It is only inevitable that burning more calories than the amount you consume, will result in a healthy or lower Body Mass Index (BMI).

Experts blame increased mechanisation along with apathy and lethargy as the reason behind a lack of participation in physical activity. An important factor to note in this regard is as per NFHS report, cases of obesity are rising in the countryside as well.

The next time you think of taking the lift instead of the stairs, think again! Stair climbing and a daily workout routine might just be the activities that can get you back in shape.

3. Genetics

The maxim ‘it’s all in your genes’ seems to hold true for obesity. Doctors state that there are several different genes which enhance the risk of obesity. These genes are those regulating appetite, metabolic rate and satiety.

While 5% of the carbohydrate is converted to fats in an adult, a genetic abnormality can increase the percentage to 60%. If there is an immediate family member who is obese, you would be better off managing your diet even more strictly so as to keep your weight under control.

Understanding how a deductible in your health insurance plan  works can help you make savings on your health care costs. A deductible is essentially the sum of money you agree upon to be paid towards your cover before you begin to make claims on your insurance.

The terms Health Plan Deductible, Medical Deductible and Health Insurance Deductible are used interchangeably in most cases. Here is a quick overview of deductibles one can see in a health plan.

Types Of Deductibles And What They Stand For

There are two types of deductibles that are available in India on a health insurance plan, these are compulsory and voluntary deductible. In international markets, there are a few more which are also mentioned below.

• Compulsory Deductible: These deductibles are mandatory and are governed by the insurer. This is a fixed amount that has to be paid by the insured on every claim he makes.
• Voluntary Deductible: As the name states, these are voluntary and are opted for by the insured, in order to reduce his insurance premium.
• Comprehensive Deductible: A single deductible which is applicable across covers. It keeps adding up till you have paid the total amount agreed upon towards your policy.
• Non-Comprehensive Deductible: A Non-Comprehensive Deductible is applicable towards designated covers. It may only require you to pay an amount of money before you can claim benefits to meet certain medical costs and not for others.
• Cumulative Deductible: When you are willing to begin a family health insurance plan, a cumulative deductible will be applicable where all the members included within the plan makes payments towards the deductible till the total amount payable is met.

An effective risk mitigating tool that prevents out-of-pocket expenses during a medical emergency, health insurance  is a modern-day need. A growing segment, the standalone health insurance market in India is expected to grow at a CAGR of 30% in the next five years and will be worth Rs. 21,904 crore by 2022.

In what could further make health insurance more customer-friendly, transparent and boost the growth of the sector, a working panel constituted by insurance regulator IRDAI has proposed several changes. Read on to know the effects of these changes on your health insurance policy.

Clearer Definition of Pre-Existing Diseases

A major bone of contention in a health insurance policy is the interpretation of pre-existing diseases. The working panel has suggested a simpler and clearer definition of pre-existing diseases to weed out any anomaly over its interpretation and subsequent disputes.

According to the suggested definition, any disease, injury, condition or ailment diagnosed prior to buying the first policy for which medical treatment or advise was recommended or received from a doctor qualifies as a pre-existing disease.

With a simpler definition, as a policyholder, you would know about the conditions or ailments that qualify as a pre-existing disease which you need to disclose while filling up the proposal form to avoid rejection. The working panel has also asked insurers to take a lenient view in case a pre-existing disease is discovered later.

Insurers have been recommended by the working panel to put a waiting period on such diseases, instead of cancelling the policy. The option, however, will be available only during the moratorium period.

Lowering Waiting Period of Lifestyle Diseases

Lifestyle diseases have evolved as one of the biggest killers in India. As per studies conducted by the Indian Council of Medical Research (ICMR) and other institutes, estimated proportion of all deaths from lifestyle styles has gone up from 37.09% in 1990 to 61.8% in 2016. The high-treatment cost of lifestyle diseases can derail a family’s finances.

On most occasions, the waiting period of lifestyle diseases such as diabetes, hypertension and cardiac problems range from one to four years. Waiting period refers to the time/duration during which you can’t make a claim from your Mediclaim insurance.

However, the working panel has suggested lowering the waiting period of lifestyle diseases up to 30 days (maximum), unless they are pre-existing.

Standardisation of Pre-Existing Diseases

The working panel has also proposed a standard list of 17 pre-existing diseases which could be excluded from a Mediclaim policy. The list includes diseases such as epilepsy, cerebral stroke, chronic heart and kidney diseases, HIV, AIDS, Parkinson’s, hepatitis B, loss of hearing and other physical disabilities.

It has also said that policyholders can’t be denied coverage for AIDS, Parkinson’s, Alzheimer’s and morbid obesity if diagnosed after the purchase of a policy.

This means if you contact the above-mentioned diseases after buying a health insurance policy, you will be entitled to receive coverage for them. To put it simply, the working panel has suggested all health conditions acquired after policy issuance to be covered. Experts believe that this standardisation will help in the smooth settlement of claims.

Easy Coverage for Individuals with Severe Health Conditions

People with severe health conditions such as epilepsy and physical disabilities find it difficult to avail a health insurance policy. Also, insurers are wary about extending cover to cancer survivors. They are usually denied coverage for procedures and diseases that may be completely unrelated.

If the proposals of the panel are accepted, it’ll become easy for such individuals to avail health insurance. However, no coverage will be provided for specific pre-existing diseases. Nevertheless, if you are suffering from a severe health condition and are denied a Mediclaim insurance, the road ahead might be a little easy for you.

Claims Can’t be Questioned After Eight Years of Continuous Renewals

Another proposal mooted by the panel is that insurers can’t question claims on basis of non-disclosure after eight years of continuous renewals, except in cases of frauds. It means if you’ve renewed your policy for straight years since its inception, the insurer can’t raise objections on your claims on grounds of concealing information.

Four fests that are a treat for bike enthusiasts

Are you a motorbike enthusiast? Do you feel a lack of bike-centred activities and fests? Are you one of those who want the India Bike Week to last for an entire year? Don’t worry, there are plenty of such fests around the world that cater to your craving! These four are our best picks that promise revelry, great bikes and unbridled fun for hard-core bikers.

Ireland Bike Fest

Held annually in the town of Killarney, the two-day Ireland Bike Fest is one of the most exhilarating weekends for bikers and non-bikers alike. Home to three world famous lakes: Lough Leane, Muckross Lake and Upper Lake, Killarney is a breath-taking town teeming with scenic beauty.

Imagine riding on the twisting tracks around the mountains, high above three gorgeous lakes, speeding alongside the sea on world-famous routes like the Wild Atlantic Way and the Ring of Kerry. There are also three live music shows and umpteen food and drinks stalls to soak up the excitement and thrill.

Dubai Motorbike Festival

The Dubai Motorbike Festival is one grand gathering of all local and international motorcycle communities and companies. The festival is aligned with the annual releases of the industry’s product lines and holds an exhibition showcasing the latest models and technologies.

The festival is a platform for riders, bike enthusiasts, bike clubs, manufacturers and retailers to connect, share and indulge in everything related to two-wheelers. A stunt battle is held by the festival in two categories, sports bikes and ATVs. These test the balance, creativity and fearlessness of every competitor.

Startling Reality

Take some time out to look at these statistics, collected from a recent survey report:

One serious road accident in India occurs every minute. It means while you are reading this article, an unfortunate mishap would have occurred somewhere in India!

16 lives are lost due to accidents on Indian roads every hour. Quick mathematics will tell you it works out to 1,40,160 deaths a year, which is more than the overall population of countries like Bermuda and Cayman Islands.

Two wheelers account for 25% of total road accident deaths in India. Yes, two wheelers are risk-prone, and one needs to take adequate precaution while driving them. Needless to say, abide by traffic rules, drive carefully and follow lane discipline to reduce the likelihood of causing an accident.

However, lack of driving prowess may not be the sole reason of a mishap. You could be inconvenienced due to another rider’s mistake, as well. You could wear a helmet to protect yourself from a head injury. But, a few risks still remain. Let’s take a look at them.

Risks Faced By Two Wheeler Riders

An accident might leave the rider with a permanent disability affecting his/her earning capacity. Or in case of fatal mishaps, besides the trauma of losing a dear one, families might have to shoulder the burden of loss of one earning member. These risks also apply to pillion riders.

In all likelihood your bike or 2-wheeler could be damaged if it is involved in an accident. You will have to incur repairing charges. In a few cases, a severe impact could lead to irreparable damage, entailing a significant monetary expenditure.

Two wheeler riders are also exposed to the risk of rising cost of healthcare, an unavoidable expense in case of accidental injuries. While we cannot eliminate the risk of physical harm we can invest in a simple solution that protects us against the financial repercussions of a road accident. Why worry? Instead be prepared to tackle the situation with ease.

The Two Wheelers That Rule the Hearts and Roads of India

A Blissful Combination: Durability, Cost-Effectiveness and High Performance

Motorbikes now start at surprisingly affordable price tags and dominate the Indian roads. Here are some popular motorbikes under ₹ 65,000 that score high on both looks and performance.

Bajaj

Bajaj Auto Ltd. targets entry-level buyers and rolls out several budget bikes every year. Bajaj Pulsar is one of the award-winning bikes, which is extremely popular among youth. The Pulsar 135LS comes with a powerful 4-stroke DTSi engine.

Discover and Platina models from the same manufacturer are some other bikes that offer superior, best-in-class performance. Their basic models start at ₹ 51,095 and ₹ 42,640 respectively.

Hero

Hero MotoCorp Ltd., formerly known as Hero Honda, is the largest two-wheeler manufacturer in India. It offers numerous choices to commuters, starting from the Hero HF Dawn that costs ₹ 39,700. Other popular 100-110 cc bikes such as Splendor, Passion, and Deluxe are equally high on style and performance.

TVS

TVS Motor Company is known for its innovations including India's first two-seater moped TVS 50 cc. Headquartered in Chennai, TVS competes with the industry’s leading motorbike manufacturers and produces commuter-friendly budget bikes such as Sport, Phoenix and Star City Plus.

Mahindra

Primarily known as the largest manufacturer of tractors across the world, Mahindra has a limited range of motorcycles. The models in the Centuro series feature a Micro Chip Ignited-5 engine that guarantees a long-lasting performance.

Suzuki

Suzuki specializes in a variety of vehicles such as automobiles, motorcycles, all-terrain vehicles and outboard marine engines, etc. It manufactures super bikes that are among the most coveted engineering marvels. Suzuki's Hayate and Sling Shot are a few of the most widely sold models across the country.

Honda

Honda Motor Co. Ltd. is famous for technological research and development of electric and alternative fuel vehicles. It also ranks high in production of potential racing machines. On the domestic front, its bikes Dream Yuga, CB Shine and Dream DX drive a hard bargain in terms of price and performance.

Essential tips for taking care of your bike’s tyre in this monsoon

The monsoon season is not only difficult for you on the roads but also for your bike, especially the tyres. After all, they are subjected to conditions that are not conducive to riding. While you can have motorcycle insurance to cover up for any accident, it is better to take precautionary measures to avoid any mishap. Here are four essential monsoon tyre care tips for your bike.

Make Sure Tyres Have the Right Pressure

During monsoon, most riders tend to lower the tyre pressure. This is done to increase contact patch between tyre and the roads. However, it is not the right practice. This puts unnecessary stress on the tyre sidewall and makes it vulnerable to punctures.

It also increases friction leading to the generation of more heat. This has an impact on the tyre's life. At the same time, increasing air pressure will lead to the reduction in contact patch that can lead to the loss of grip. It will also reduce your bike's stopping distance in an emergency.

You must always:

• Check tyre pressure once every couple of weeks
• Use an accurate pressure gauge to measure pressure
• Maintain pressure according to the recommendation of the manufacturer mentioned in the owner's manual. Insurance for bikes depends on whether you have followed all the instructions properly or not

Try to Keep the Tyres Clean

With so much mud and dirt around during rains, it is very difficult to keep the tyres clean. However, with a little care and attention you can achieve great results. You can apply a little wax on the sidewalls of the tyre to keep it shiny. Wax keeps away most of the mud from the tyres.

You can use this simple and effective method to keep the tyres in top shape during the entire monsoon season. You can also use a tyre polishing foam. A little attention will go a long way in ensuring the longevity of the tyres.

Purchase Tyre from a Reputed Manufacturer

Ask any two wheeler insurance agent and he/she will always recommend you to buy your tyre from a reputed manufacturer. Established players, unlike local manufacturers, come up with products that are at par with international standards, thus ensuring optimum performance.

These manufacturers have strict quality control guidelines to ensure that their products meet the required parameters. Hence, if you wish to switch to new tyres, make sure your next purchase is from a renowned manufacturer.

With the help of the multi-year insurance policies for two wheelers, consumers can save their money and effort

With an exponential rise in the number of vehicles, the probability of accidents rises. Insurance is like a backup instrument that protects us against the losses in the event of an adversity. As per the Motor Vehicle Act, 1988, insurance is mandatory for vehicles.

General Insurance Council has estimated that 60% of motor vehicles running on the Indian roads are not insured. In the year 2015-16, India had approximately 19 crore registered vehicles out of which only 8.26 crore were insured.

A Penny Saved Is A Penny Earned

The premium payable and sum assured does not change during the course of a multi-year policy. The consumer can save up to 20-40% on the premiums as these policies do not revise the rates each year. In multi-year insurance policy, making a claim does not necessarily mean that the NCB will fall down to zero.

Consumers could get up to 40% NCB in a multi-year insurance policy at the end of 3 years, compared to 35% in a single-year policy. Apart from that, some Insurance companies offer surprise discounts on purchase of a multi-year insurance policy.

Avoiding Chaos of Compliance Every Year

Vehicle Inspection during the time of renewal is a headache for many. Multi-year insurance policy frees you from it. As the two-wheeler is insured for three consecutive years, consumers do not have to worry about carrying the documents with them to renew their policies.

Third Party Liability Insurance

A third-party insurance policy is mandatory by law and those caught riding without it can be fined ₹2,000 or imprisonment up to 3 months, or both. The third party cover protects you from legal liability for damage or loss caused to a third party person/property. A multi-year insurance policy offers relatively lower prices if the consumer wants to opt for it.

Prep your two wheeler for the rains!

Nobody understands the pain of monsoon like two wheeler owners. There’s nothing enjoyable about riding around being completely soaked. But what’s worse than being unprotected from the rain while commuting is that your two wheeler is unshielded from the damage of the monsoon too.

Riding a two wheeler gets significantly more risky during the rains. Here are a few important and basic monsoon bike prep tips that will help you brave through the season.

Check the Tyres

The splashes of rain bring with it mud, muck and wet roads that are hard to get a grip on. One of the first things you need to do this monsoon is to check the condition of your tyres. It’s important that your tires have deep treads as they disperse water and provide the needed grip to avoid road accidents.

If your tires are old, replace them. Don’t forget to clean the mud off of the grooves before it dries up.

Lubricate the Chain

Potholes and puddles are a natural byproduct of the monsoons. You must ensure that your bike’s chain is cleaned frequently. After every 500 kms, use grease or engine oil to lubricate it, as the rain water tends to wash away the lubricant.

Clean the Engine

The engine in bikes is usually exposed and this can be a cause for concern during the rains. Make sure to clean the mud off of the engine. While you should do this soon so that the mud doesn’t dry, you should also be careful because the engine is usually hot after a ride.

Service Your Brake Pads

An important part of monsoon care for bikes is taking care of their brakes for enhanced two wheeler safety. Whether you bike has disc or drum brakes, rainwater tends to reduce their efficiency. You have to ensure that your brake pads are serviced frequently during the wet months. Remember not to brake too hard, because on wet roads that means uncontrollable skidding.

Know the importance of insuring your ride

According to a survey conducted by ICICI Lombard in 2015, two wheelers account for 70% of all the vehicles in India and almost 75% of these are uninsured. Either they are not covered under a policy, or the policy has lapsed. What's even more surprising is that these figures exist even when a third party insurance cover is mandatory for all vehicles.

The low renewal rate is largely attributed to the limited distributor interest as these policies have small ticket size. ICICI Lombard offers long term two wheeler insurance that reduces the hassle of yearly renewal for up to 3 years and safeguards you and your two wheeler from any unforeseen damage.

Why You Shouldn't Ride Without Two Wheeler Insurance?

As per Section 197 of the Motor Vehicle Act, 1988, and the revised Motor Bill 2016, you could be penalised for ₹2,000 or face an imprisonment up to 3 months or both for driving without insurance. But this is just one side of the story. Indian roads are highly vulnerable to accidents and two wheelers are one of the most affected in these accidents.

According to World Health Organisation (WHO) Global Status Report on Road Safety, around 16.6 lakh people died in road accidents in India in 2013-14. Two wheelers and pedestrians are the worst affected in these accidents. Motorcyclists alone constitute 23% of the overall road traffic deaths in the country. Therefore, a two wheeler insurance for Indian roads is a safe choice.

Follow these tips to make riding in the rain a lot easier and safer

Monsoon has arrived and the heavens have opened their doors. Intermittent showers with heavy rains ensure that the roads are beaten up and riddled with potholes. The rainy season is difficult for commuters and during these months, a bike must be kept in top-notch condition for glitch-free performance. Here are some suggestions that will make riding in this demanding season an effortless and safe affair.

Maintenance Check

Unless you prefer your bike to stall in the middle of heavy rains on a waterlogged street, this check is necessary. During rains, the mechanical, and the electrical equipment are prone to malfunction due to water seepage. Taking your bike for routine servicing before the arrival of monsoon will keep you steed fighting fit, even in the heaviest of downpours.

Tyres

Since tyres are the only part of the vehicle actually in contact with the road, their well-being cannot be overstated. Ensure that there is enough tread for them to grip the road. Use a one-rupee coin to gauge the tread. This is done by inserting it in the grooves of the tyre; if the coin goes in by 3 mm, then that much rubber is enough for traction on wet roads. If the tread is worn off and the tyre is smooth, then you will have to replace it.

Brakes

Brakes are the next most important component that needs to be looked at after the tyres. Brakes ensure stopping power, which is critically required in the rains. Check your brakes for worn out liners or brake pads, as they will not do a good job during braking. It is wise to get your brakes checked, cleaned, and replaced (if necessary) by your trusted mechanic before the onset of monsoon. You should also look at the level of brake oil to get best performance.

Rider

A bike is only as good as the one riding it, so the rider also needs to have proper gear before taking the bike out for a spin. A protective gear that is appropriate for the rains should be used. Waterproof jacket, gloves, helmets, and kneepads are essential for keeping the rider dry and warm. If the rider is comfortable, he will have better focus and concentration to take on the surprises the roads can throw during the rains.

Bikes are simple. Two wheels, one engine and a great sense of freedom. However, in life, simplicity comes with a price. Therefore, before you swing your leg over the leather and kick that stand back in its place, here are a few aspects to consider.

Intention of the Ride

Consider your needs first. The purpose of your ride will greatly influence the type of bike you should opt for. If you want to make a style statement among your friends, choose a sports bike.

If you travel long distances often, then a touring bike or a cruiser will be a better option. For regular commute in heavy traffic, pick an economic bike.

The Precious Price Factor

How much is too much? Do a comprehensive online as well as offline research to check out prices. Don't be surprised if you find the online prices to be lower than your expectations. These might be the ex-showroom prices and not on-the-road prices.

Bike dealers will help you with financing options, so that the cost doesn't burn a hole in your pocket.

Ergonomics

While selecting a bike, ergonomics (bioengineering) plays a crucial role. The beast you choose must be comfortable during both the test rides and the subsequent long rides.

While riding, ensure that there is only moderate pressure on the wrists, due to weight. Ideally, the handlebar shouldn't be too far to reach and your knee shouldn't be bent more than necessary.

Seat height is important, especially for those with shorter stature. Recently, bike manufacturers have shifted focus to low saddle height with specific focus on females as pillion riders.

Adequate wind protection is often neglected while selecting a bike. You don't want to be tired out after long rides, because of the elements beating you down. A good wind deflector will protect you from this.

Skill and Experience

Riding a bike is undoubtedly fun, but it could also be lethal if done wrong. Therefore, assess your skills and abilities and choose a bike with a performance you can handle.

Going for a crotch rocket (bikes featuring high cc) in the learning stage could get you into trouble. On the other hand, those with mastery and experience would truly appreciate a faster ride.

Fuel Efficiency Matters

Most bike manufacturers spend huge amounts in research and development to ensure maximum fuel efficiency. According to the Automotive Research Association of India, the fuel efficiency of most Indian bikes orbit around 60 kmpl (indicative figure).

The Actual Cost of Ownership

Ask friends and family who own bike models, like the one you plan to buy, regarding the actual maintenance and ownership costs. Alternatively, you may also check and post your queries on online forums and biking clubs.

More than one factor determines the actual cost of ownership:

The only apt adjective associated with a superbike is, well, speed. Technically, any bike with an engine displacement above 500 cubic centimetres qualifies as a superbike. Arguably, the fastest street legal production bike today is the Suzuki Hayabusa with a 1340 cc engine. It is capable of reaching speeds of between 188 and 194 mph, although some might plead their case in favour of the MV Agusta F4 R312. The "312" (kms, making it 194 mph) in the name is said to be the highest speed the bike can supposedly achieve, according to the manufacturers.

Bimota DB8 Oro Nero

Did you know that Bimota, a small Italian manufacturer of some of the finest motorcycles in the world is named after the three founders - Bianchi, Morri, Tamburini? This aesthetically-sculpted bike isn't made on an assembly line. Every model is hand crafted. Oro Nero means "black gold." Looking at this beauty, we wouldn't have agreed to any other name. And Oh! Did you notice the price tag? With only 8 bikes for sale this year, you could well buy a top-end BMW car, if you care.

Ducati 1199 Panigale

- At the heart of this beauty is a Superquadro, L-twin cylinder, liquid cooled engine, which is a structural element of the bike, rather than a standalone unit fitted onto the chassis. This creates a perfect amalgam of power and stability. Ducati has always set high standards and with this masterpiece, they have outdone themselves. Did you know that this bike is fitted with Pirelli Diablo tyres? Diablo means "Devil" in Spanish. Only the Devil can help this bike muster speeds in excess of 186 mph.

Hesketh 24

- This British bike has its unique place in history. The company has gone through some torrid times but now after a revival of sorts, it has launched the "24," a limited-edition bike with only 24 units to be sold internationally. The company, though, plans to produce a twin-seater version of the 24 later. Those who know Hesketh, know the F1 roots of the company, with James Hunt's famous 1975 victory at the Zandvoort circuit. The number on Hunt's car was 24 and hence the name of the new model.

Moto-mantras for a better ride

It is always advisable to be well acquainted with your new ride in controlled conditions under the supervision of a professional. The following are neither skills nor tips and tricks. They are 5 Moto-mantras that will help make your ride a better one.

Ride Your Own Ride

Do not try to hunt when you cannot keep the kill. If the rider ahead of you is going beyond your capabilities, let him. If a rider tries to overtake you from any side or try to win an undeclared race, let him.

Attempting to compete with other riders or riding beyond your normal capabilities might prove to be fatal, both physically and legally.

Dress for the Crash; Not for the Ride

This is mandatory for both city rides as well as for long rides. Having the maximum protection during a crash certainly reduces the chances of any serious injury. Besides, it’s always best to invest in a good riding gear than spending on medical expenses.

Slowing Traffic? Scan the Surroundings

Whenever traffic slows down suddenly, it is always advisable to stay to the left or right of the car ahead of you. This provides a quick escape route when needed. Also, always ride in a gear lower than you usually would, so you may jump forward instantly when prompted.

Watch out for spilled oil or fuel that shows up as shiny pavement. Sand and gravel can be more difficult to spot. Being vigilant can avert an accident!

Always Have a Maneuverable Backup

Bikes may be light in weight, but this also makes them extremely maneuverable in case things get ugly on the streets. There’s almost always an escape route. Your ability to move left or right within a lane enables you to see what is ahead and gives you a lot of extra time to react.

Motorbikes in Grand Prix race

While bikes are an eternal global fad, a leading brand or topmost player in the market is an ever-changing subject. Style, speed, handling, reliability and affordability play key roles in determining the masses' choice. Several brands mesmerize buyers with an aura of exclusivity but are simply not economical. It is important to strike a balance between luxury and necessity while choosing a bike.

Some motorbike brands consistently retain a global presence by excellent promotions and high quality standards. Read on to know the top five best-selling brands around the world.

Honda -"You meet the nicest people on a Honda"

This Japanese brand, famous for its innovative technology, is one of the most trusted motor vehicles on road. Honda Motor Co., Ltd. is the world's largest manufacturer of motorbikes as well as internal combustion engines.

Leading production since 1959, the company has several subsidiaries around the globe, including the popular Honda Motor Co., Inc. of North America a.k.a. AHM (American Honda Motor Co., Inc.).

Watch out for Honda's latest sports bike model, CBR600RR7. It boasts of a 600 cc 'Dual Sequential Fuel Injected Inline-four' engine having the smallest dimensions in its class.

Yamaha -"Revs your heart"

With a long history of creativity and inexhaustible spirit of challenge, Yamaha is a popular brand among motorists around the world.

Their bikes have gained popularity for smooth running, stylish body, and blend of rugged and subtle features.

Harley-Davidson - "American by birth. Rebel by choice"

These heavy-duty bikes captured the market for their macho design and muscular looks. They continue to instill a sense of pride and personal freedom for every American.

The stylish design of these bulky giants comes with a thrill and luxury not many can match. A brand so popular, it is endorsed by motorbike clubs, celebrated by events and even has a museum to its credit!

Kawasaki - "Let the good times roll"

The engaging tagline of Kawasaki Motors Corp., USA has done its job in elevating the brand's image. Popular for its durability and range of adventure bikes, Kawasaki has maintained a healthy market presence.

From superbikes and touring scooters to sturdy off-road rides, Kawasaki continues to lure the crowds with its performance-enhanced technology and attractive ergonomic designs.

Uninsured two wheelers can put you into legal troubles resulting in hefty fines

Two-wheeler third party insurance is mandatory in India, yet a majority of riders share a different outlook and consider it as an added financial burden. According to a survey by the Insurance Regulatory and Development Authority of India (IRDAI), 75% of two wheelers on Indian roads have either no or lapsed insurance. Riding without insurance might be an oversight or just a way to save money. Either way, if you are one of the 75%, you may face one or more of the below-mentioned consequences.

Legal Liabilities

A comprehensive two-wheeler insurance is essential for a rider’s security. It offers the much needed cover in the event of occurrence of an untoward incident. If you are riding without a comprehensive two wheeler insurance, you will have to pay for all the repair costs after an accident, which can be a costly affair.

Things can get even worse when a third party is involved. If in the accident, the third party is injured, or worse, dead, it could mean a major legal and financial crisis for you. To save yourself the trouble, it is better to have a valid comprehensive two-wheeler insurance policy that will take care of all the expenses and also protect you against any legal liability.

Heavy Penalties

Riding a two wheeler that has no insurance or lapsed insurance is illegal according to the Motor Vehicles Act. Thus, if the authorities catch you without insurance, there will be certain penalties that you’ll have to endure. These penalties can come in the form of 3 months of imprisonment, a fine up to ₹ 1,000, or both.

Tedious Process

Renewing a lapsed two wheeler policy is a time-consuming affair involving filling paperwork and other hassles. It is similar to obtaining a new policy, where the two wheeler will again be physically inspected. There is also a high probability of the insurer charging a higher premium or rejecting the proposal altogether. It would be convenient as well as cheaper for you to keep a track of the insurance policy and renew it before the expiry date.

A checklist of benefits to evaluate the effectiveness of your two wheeler Cover

As per a UNICEF report, India has more road accident casualties than in any other part of the world. In India, a road accident happens every minute and every four minutes a person dies in an accident.

Accidents may happen because of anyone’s negligence and can damage you both physically and financially. Insuring your two wheeler is a smart choice for Indian roads. Not only it is mandatory by law but also it is your responsibility towards yourself. Apart from financial losses in an accident, a two wheeler insurance will provide coverage from losses incurred in natural and manmade disasters.

Types of Two Wheeler Insurance

Depending on the nature of losses and the party insured, two wheeler insurance can be classified into:

• Third Party Liability (TPL) Cover: This cover has been mandated by the Indian Motor Vehicles Act (1988) and provides cover to any person other than the owner, injured in an accident.
• Own Damage Cover: This cover protects the owner against any damage to his two wheeler arising due to accident or theft.
• Personal Accident Cover: This cover offers compensation on death or permanent disability along with reimbursement of accidental hospitalisation expenses.

Checklist of Benefits

Before you buy a two wheeler insurance, here is a checklist of benefits that you should look for:

• Long Term Insurance: This prevents you from the hassles of annual policy renewal, offers exciting discounts on premium and insulation from an annual rise in third party premium.
• Online Purchase: Online insurance purchase removes middlemen and the payments made are processed through secured payment gateways.
• Cashless Service: Insurers these days have a vast network of garages all over the country where you can make easy cashless claims.
• Co-Passenger Cover: Several insurers offer a personal accident cover for co-passengers as well.
• Renewal Discount: Many insurers provide a discount on policy renewal for no claim during policy term.
• Convenience of Payment: Almost every insurer offers net banking and mobile banking facilities these days.
• 24 X 7 Assistance: Ensure that your insurer provides 24 X 7 call and online chat support.