The 125cc scooter segment is crowded, but two models in India stand out. One is the TVS NTorq 125 that is big on features and performance. And the other is the Suzuki Access 125, which is all about comfort and reliability. If you're unsure which one suits you better, this comparison will help you decide. Read on to find out more.

Feature comparison

Let us start with a quick comparison to see how the two scooters stack up:

Suzuki Access 125 - Pros & cons

The Suzuki Access 125 is a well-rounded scooter that appeals to riders looking for a reliable, fuel-efficient and easy-to-ride option. It performs well in most everyday situations. Let us take a closer look at its pros and cons:

• Pros:

The Access 125 offers 21.8 litres of under-seat storage, which is among the better options in its segment. It returns a mileage of around 55–58 km/l in real-world conditions and remains easy to handle with a kerb weight of 106 kg. Features like a USB charger, Eco Assist indicator and side-stand engine cut-off are available in select variants.

• Cons

The earlier versions of the scooter lack an external fuel filler, so you have to lift the seat every time you refuel. Bluetooth connectivity and real-time fuel data are only available on the top variant. The suspension setup feels a bit harsh over rough roads and the absence of a boot light can make it difficult to access the storage at night.

TVS NTorq 125 - Pros & cons

The TVS NTorq 125 comes with a good mix of performance, design and tech, though a few trade-offs may matter depending on your priorities. Here are both the positives and negatives of the scooter:

• Pros:

The NTorq 125 feels stable at higher speeds due to its wider tyres and weight distribution. The digital console with Bluetooth, navigation and ride stats adds real value for tech-focused users. External fuel filling, hazard lights, DRLs and a high-speed alert improve convenience and safety.

• Cons:

The NTorq 125 does not offer great mileage, it gives only around 40-47 km/l in daily use. It is on the heavier side, and this might not suit everyone. There is no USB charger in any variant, and the 20-litre underseat storage is a bit tight.

Why should you buy two wheeler insurance for your scooter?

While features, mileage and performance often take priority when buying a scooter, two-wheeler insurance is equally important, especially on Indian roads where accidents, theft and unpredictable weather are common.

Third-party insurance is mandatory under the Motor Vehicle Act, and failing to have it can result in fines or legal issues. Opting for comprehensive bike insurance offers broader protection, covering repair costs, damage from floods, fire or riots and even compensation in case of theft. It’s a smart and responsible choice for every rider.

Conclusion

Suzuki Access 125 and TVS NTorq 125 serve very different rider needs. Access 125 leans more toward daily comfort, fuel savings and a no-fuss riding experience. On the other hand, the TVS NTorq 125 is for those who enjoy modern features, sportier looks and a more engaging ride. It is less about which scooter is better overall and more about which one fits your priorities better.

FAQs

• Is the Suzuki Access 125 good for daily use?

Yes, the Suzuki Access 125 is reliable, fuel-efficient and easy to handle. This makes it ideal for everyday riding.

• What are the key features of the NTorq 125?

The NTorq 125 offers Bluetooth connectivity, navigation, a sporty design and strong performance.

• Which is better: Suzuki Access 125 vs TVS NTorq 125?

Access 125 is better for mileage and comfort. NTorq 125 is better for features and performance.

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.

Suzuki Access 125 and Bajaj Chetak are reliable scooters, each popular for its distinct features and performance. The Access 125, a petrol-powered scooter, is well-known for its high performance, reliability, fuel efficiency and exciting features, like Bluetooth connectivity. On the other hand, Bajaj Chetak is an electric scooter that boasts a longer range and offers a zero-emission alternative. Users enjoy its modern features, fast-charging capability and eco-friendly mode.

This article explores key differences between the Suzuki Access 125 and the Bajaj Chetak. Read on.

Feature comparison

Here is how the two models differ when it comes to features:

Suzuki Access 125 - pros and cons

Pros:

• Has a cosy cushion seat and comfortable seating posture, hence great for city rides
• Good seating space that favours family rides
• Low maintenance
• Has a good pickup speed
• Comes with a stylish and modern design, besides updated features that appeal to many users
• Fel-efficient, hence reliable for daily commuting
• Lightweight, hence easier to handle on the road
• Has many colour options to choose from
• Powerful engine with quiet rides

Cons:

• Comes with a low-intensity headlight that can be inadequate in low-lit areas or during night riding
• The footboard is a bit raised and may feel uncomfortable to some riders
• Some users report stiff suspension that can feel harsh
• The mileage is relatively low, around 45 kmpl

Bajaj Chetak - pros and cons

Pros:

• Has a classic retro design with a modern twist, which appeals to those prioritising retro aesthetics
• Modern features like hill-hold assist, app connectivity, colour TFT display and reverse mode enhance the ride quality
• Offers convenient charging using a standard 5A socket
• Handling is good, making it easier to manoeuvre through different routes, especially in city traffic
• Has solid build quality

Cons:

• Some users report technical issues that tend to affect the quality of the ride, especially for the longer commutes
• Underseat storage space is limited
• The rear suspension is firmer and quite uncomfortable, especially on bumpy roads
• The acceleration and top speed might be inadequate for riders who prioritise higher performance
• Has only one battery capacity; hence, users lack options
• Lacks essential features like the ABS

Renewing two-wheeler insurance every year can be tedious and easy to miss. Long-term insurance offers a smarter alternative. It is designed for convenience and savings, often locking in your coverage for 2-3 years. This helps you avoid annual premium hikes and last-minute renewals.

Whether you ride daily or occasionally, long term bike insurance ensures you stay protected without interruptions. Let’s dive deeper and find the exclusive benefits of having a long-term two-wheeler insurance policy.

What is long-term bike insurance?

Long-term bike insurance refers to a policy that offers coverage for two-wheelers for 2-3 years, mainly for the own-damage or comprehensive component. In the case of new bikes, IRDAI mandates a 5-year third-party insurance, which can be bundled with 1-3 years of own-damage cover.

Why should you get long-term bike insurance?

The benefits of having a long-term two-wheeler insurance are:

• No yearly renewals: When you hold a long-term bike insurance policy, it lets you eliminate the hassle of annual renewals, late penalties and potential lapses due to forgetfulness.
• Cost-effective: As you lock in your premium for multiple years, it protects you from annual rate hikes often introduced by IRDAI.
• Protects from Policy Lapses: When you forget to renew your insurance, it often leads to unintentional lapses. It leaves you unprotected and liable. However, opting for long-term insurance ensures uninterrupted coverage, eventually reducing legal and financial risks.
• Multi-year discounts: Many insurance companies often offer attractive discounts to encourage users to buy their multi-year policies. This reduces your total premium cost. These discounts make long-term plans more economical compared to yearly renewals.
• Continuous coverage: Having a long-term two wheeler insurance gives continuous protection to your bike without worrying about gaps in coverage. So, you do not need to worry whether it's theft, natural disasters or third-party liabilities.
• Simplified documentation: You need to be involved with fewer renewals, less paperwork and fewer compliance steps. This is what makes the process smoother for both the insurer and the policyholder over the years.
• Ideal for new bikes: A long-term plan is even more beneficial when you buy a new bike. It gives you an extended peace of mind and protection from day one, helping you cover major risks during the initial years of ownership.

Who can purchase long-term bike insurance?

A long term two wheeler insurance online suits a wide range of individuals. For new bike owners, IRDAI mandates a 5-year third-party insurance policy at the time of purchase. Many choose to bundle this with a 1-3 year own-damage or comprehensive cover for broader protection.

Long-term insurance is also ideal for busy individuals who may forget annual renewal dates or prefer fewer administrative tasks. Those living in remote areas or who travel often can benefit from uninterrupted multi-year coverage without relying on regular access to insurance services.

It's also a smart financial move for cost-conscious buyers, as it protects against yearly premium hikes and may come with multi-year discounts. For senior citizens, managing annual renewals can be inconvenient, so a long-term plan offers a simpler, worry-free experience.

Conclusion

A long term two wheeler package policy is not just about saving money. It offers a well-rounded solution for sustained protection and peace of mind. With fewer chances of policy lapse, it ensures continuous legal and financial coverage, which is crucial in the event of accidents, theft or natural calamities.

Multi-year policies also shield you from annual premium hikes, provide better retention of No Claim Bonus (NCB), and often come with insurer-specific discounts or perks. For busy professionals, daily commuters or even occasional riders, it reduces administrative hassle by eliminating yearly renewals and paperwork. In the long run, it enhances not just convenience but also your vehicle’s overall risk management and compliance, keeping you confidently road-ready at all times.

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.

Suzuki Access 125 and Honda Activa 6G are famous bike choices with different performance capacities that cater to diverse user needs. Suzuki Access 125 offers riders a wider range of features with a more powerful engine and higher acceleration. On the other hand, Activa 6G is famous for its smooth ride and better fuel efficiency.

If you are confused between buying a Suzuki Access 125 or a Honda Activa 6G, it helps to evaluate which scooter is best for your needs, preferences, budget and riding style and experience. This is possible by comparing the two models based on their features, price, mileage, colours and other specs.

Feature comparison

The table below includes specifications and feature comparison between Access 125 vs. Activa 6G:

Suzuki Access 125 - pros and cons

Pros:

• Has a stylish and modern design, with updated features that appeal to many
• It is fuel-efficient, hence reliable for daily commuting
• The scooter is lightweight and easier to handle on the road
• Has great colour options to choose from
• Great for city rides with a cosy cushion seat and comfortable seating posture
• Good seating space is favourable for family rides
• It comes with low maintenance
• Good pickup speed
• Powerful engine with quiet rides

Cons:

• The mileage is relatively low.
• Stiff suspension that can feel harsh, especially for new riders
• A low-intensity headlight that can be inadequate in low-lit areas, or during night riding
• The footboard is a bit higher and may feel uncomfortable to some riders.

Activa 6G - pros and cons

Based on user experience, here are the pros and cons of the Honda Activa 6G:

Pros:

• The activa 6G offers a stylish upgrade over the standard model with sleek new colours and chrome accents that give the scooter a premium look
• The engine is good and reliable
• It offers good acceleration and responsive braking, which makes it a reliable scooter for daily commutes
• Has excellent mileage at 59 kmpl
• The engine is super smooth and feels a lot more refined and fuel-efficient than earlier versions.
• The bike is low on maintenance and easy to handle
• Features like silent start and telescopic suspension make every ride feel premium

Cons:

• The Activa 6G tends to face overheating issues, especially when going for longer rides in warmer weather
• Some users report sluggish performance, and the bike may struggle at higher speeds
• The metal body panels can generate noise and vibration at certain speeds
• Some users state issues of premature wear and tear of some parts.

Why should you buy two-wheeler insurance for your scooter?

Two-wheelers are a reliable mode of transport; however, they are also risky and prone to accidents. Hence, you need a financial backup. Buying the best two-wheeler insurance for your scooter ensures that damage and losses that may result from an accident, natural or man-made calamities, or theft, are covered and will not create a financial constraint.

Conclusion

Suzuki Access 125 boasts a larger engine, produces more power, and is considered to offer a faster ride at higher speeds. On the other hand, Activa 6G is more fuel efficient with better mileage and good acceleration. Ultimately, the best bike choice depends on individual needs, budget and preferences. Try taking both scooters for a test ride to determine which suits you best.

Most importantly, remember to have comprehensive bike insurance to secure your bike from unforeseen road events.

FAQs

Which scooter is better between the Suzuki Access 125 and the Honda Activa 6G?

You can opt for Access 125 if you prioritise a powerful engine, disc brakes, a front storage box, stylish and modern design and comfortable seating. Go for Activa 6G if you seek a refined engine, longer seat, better ground clearance, a silent start system and low maintenance.

What is the on-road price for the Suzuki Access 125?

The on-road price for the Suzuki Access 125 is approximately Rs. 1,01,430 in New Delhi.

What is the on-road price for the Honda Activa 6G?

The on-road price for the Honda Activa is approximately Rs. 96,789 in New Delhi.

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.

Understanding the differences between types of two-wheeler insurance can help you make the right choice based on your needs and budget. Among the available options, comprehensive and own damage insurance are two key types. A comprehensive plan covers damage, theft and third-party liabilities, while own damage insurance only covers the insured bike and excludes third-party coverage.

This article explains what a bike insurance policy is and provides a detailed comparison between comprehensive and own damage insurance.

What is a bike insurance policy?

A bike insurance policy is a contract between the bike owner and an insurer, covering loss or damage due to accidents, natural disasters (like floods or earthquakes) or man-made events (such as fire or vandalism). It helps protect against financial and legal liabilities arising from such incidents. In fact, under the 2002 Indian Motor Tariff, it is mandatory for all bike owners to have at least third-party insurance.

The type of insurance you choose determines the level of coverage. Selecting the right two-wheeler insurance based on your needs and budget is essential.

What is own-damage bike insurance?

Own damage (OD) bike insurance covers loss or damage to your insured two-wheeler due to accidents, theft, natural disasters or man-made incidents. However, it does not include third-party liability, so it's often purchased alongside a third-party plan for complete coverage.

Benefits of own-damage bike insurance

Own damage bike insurance offers flexibility and customisation, allowing you to enhance coverage by choosing relevant add-ons. This enables you to tailor the policy to your specific needs and ensure better protection for your two-wheeler.

What is comprehensive bike insurance?

Comprehensive bike insurance offers all-round protection by covering both own damage and third-party liabilities. It includes losses due to accidents, theft, natural disasters and man-made events.

This policy provides extensive coverage while also protecting you from legal liabilities if you injure someone or damage third-party property.

Benefits of comprehensive bike insurance

Comprehensive bike insurance offers wide-ranging coverage, protecting against accidents, theft and damage from natural or man-made calamities. It covers both own damage and third-party liabilities, making it a complete protection plan. Policyholders can benefit from a No Claim Bonus (NCB) of up to 50% on renewal premiums if no claims are made during the policy term.

It also helps reduce repair costs, as most expenses are covered with only a small deductible. Additionally, the policy is applicable to all types of two-wheelers, including motorbikes, scooters, mopeds and electric bikes.

Differences between comprehensive and own damage bike insurance

The main difference between comprehensive vs own damage insurance is the coverage they offer. Here are the main differences:

Which insurance should you choose?

The type of bike insurance you choose should depend on your usage, the age of your vehicle and the level of protection you need. Comprehensive insurance is ideal for those seeking wider coverage, especially for newer bikes or regular riders.

On the other hand, if you already have third-party insurance and want to protect your own vehicle from damage or theft, opting for your own damage cover can be a practical and budget-friendly option.

Conclusion

Both comprehensive and own damage bike insurance have their own benefits and the right choice depends on your specific needs. A comprehensive policy offers complete financial protection by covering both your bike and third-party liabilities, making it a convenient all-in-one solution. If you already have an active third-party policy, adding your own damage insurance separately can be a more cost-effective way to protect your vehicle while keeping premiums lower.

FAQs

• What is zero depreciation for bike insurance?

Zero Depreciation (Zero Dep) or bumper-to-bumper, or nil depreciation for bike insurance, is an add-on cover that gives a full claim amount with no deduction for depreciation. It's available with comprehensive or own-damage two-wheeler insurance covers.

• How do you choose the best bike insurance?

To choose the best bike insurance, ensure you assess your coverage needs, understand Insurance Declared Value (IDV) and find a reputed insurer.

• How can I lower my bike insurance?

Generally, you can lower your bike insurance by reducing your annual mileage. Often, the fewer miles you ride, the cheaper your bike insurance can be. That's mainly because you're on the road fewer times, hence considered a lower insurance risk.

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.

Some bikes sound smoother, while others feel raw and aggressive. A key reason lies in the type of clutch they use: wet or dry. It may sound technical, but it plays a key role in how your bike performs and feels on the road. Learning about wet clutch vs dry clutch can help you choose the right bike, and even avoid surprise repair costs.

Let’s move and look into how these two clutch types differ from each other to help you make an informed decision.

What is a wet clutch?

A wet clutch operates while being immersed in oil. This oil cools the clutch components and helps reduce the risk of wear and tear. Because of its durability, heat management and low maintenance needs, it is commonly used in commuter and touring bikes.

What is a dry clutch?

In contrast, a dry clutch operates without any oil for cooling or lubrication. This is what allows for a more direct power transfer and gives a quicker throttle response and a racer feel. However, this often wears out faster, generates more noise and is typically found in high-performance or racing motorcycles.

Differences between dry and wet clutches

Wet vs dry clutch? Here are the key differences you must know:

Advantages of dry clutch

Dry clutches offer several key advantages. They provide sharper performance with quicker, more direct power transfer, making them ideal for high-performance or racing bikes. Since they don’t require an oil bath, there’s no risk of oil contamination. They are also lighter in weight, contributing to overall bike weight reduction and easier to inspect or replace without the mess of oil.

Advantages of a wet clutch

Wet clutches offer several practical advantages. The oil bath keeps components cool, reducing wear and extending the clutch’s lifespan. They ensure smoother, quieter engagement, making them ideal for daily and city use. Continuous lubrication improves heat dissipation, while lower maintenance needs help reduce long-term service costs.

Does bike insurance cover clutch-related problems?

Usually, bike insurance policies do not cover clutch-related issues. It is because these are often considered wear-and-tear components. However, a comprehensive bike insurance policy may include this in its coverage if the damage has occurred due to an accident or any other covered situation.

It is always good to read your policy terms carefully before you finalise an insurance policy.

Conclusion

Whether you need a wet or dry clutch, the choice should be based on your riding style. Wet clutches are ideal for urban chaos and long commutes, while dry clutches complement aggressive bikers who crave adventure. But it is important to note that clutch failures can cost a lot if your insurance does not cover wear and tear.

Despite these limitations, investing in bike insurance is always a smart move, as it provides essential financial protection in case of accidents or unexpected damage.

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.

If you own a two-wheeler, insurance is essential for both legal compliance and personal safety. The IL Take Care App (ILTC App) by ICICI Lombard is a bike insurance check app that lets you manage and renew your policy directly from your smartphone. Let’s explore what this app is, its key features and how it can simplify your two-wheeler insurance management.

What is the IL Take Care app?

The ILTakeCare (ILTC) App by ICICI Lombard General Insurance is a two wheeler insurance app that allows users to buy, renew and manage policies from their smartphone. Key features include filing and tracking claims, downloading policy documents, receiving renewal reminders and locating cashless garages.

Health policyholders can also access wellness and health tools. Available on Android and iOS, it enables quick, convenient insurance management anywhere in India.

Features of the ILTC travel insurance app

The ILTakeCare app offers a range of features to help users manage their two-wheeler insurance efficiently:

Insurance management

• Buy, renew and track ICICI Lombard insurance policies in one place
• Quick claim registration for health and motor policies
• Online policy renewal for health, bike and car insurance
• Cashless network search: Find hospitals or garages near you by location or specialty.
• InstaSpect: Mobile self-inspection for faster motor claim settlement

Wellness and fitness

• Fitness tools: Track workouts, steps, diet and sleep; earn rewards for healthy habits.
• Get well-thy: Expert guidance on mindfulness, yoga, diet and nutrition
• Health quotient: Personalised health score and tips via questionnaire

Health assistance and medical support

• Teleconsultation: Schedule video/audio sessions with certified doctors
• 24×7 doctor consultation via IL Hello Doctor feature
• Emergency assistance: Call an ambulance and find nearby hospitals
• FaceScan: Measure vitals like heart rate, oxygen level and respiration
• CalScan: Analyse nutritional content of food

Knowledge and support

• IL Drive Smart: Track driving behaviour, get safety tips and earn discounts
• Chat with expert: Instant responses to insurance and health queries
• Latest news: Stay updated on insurance developments
• Motor news and views: Vehicle news, reviews and analysis

Benefits of the ILTC travel insurance app

The ICICI Lombard bike insurance app lets two-wheeler owners easily buy, renew and manage their policies while also offering driving insights, wellness tools and rewards for healthy living. It provides faster claim settlement through InstaSpect, 24×7 medical support and nationwide access to cashless hospitals and garages. As an online bike insurance app, it ensures a paperless, hassle-free experience, helping users save time, reduce costs and conveniently handle all insurance needs from their smartphone.

How does the ILTC travel insurance app work?

Using the IL Take Care insurance app is simple. Download it from Google Play or the App Store, register with your mobile number or log in with ICICI Lombard credentials and add your bike’s registration number to buy, renew or view insurance.

From the dashboard, access policy details, claims and support. Select a plan, use the premium calculator and pay digitally. File claims by uploading photos and documents, track progress, download policy copies and receive renewal reminders.

How to download the ILTC travel insurance app?

Here are simple ways for ILtakecare app download:

For Android users:

• Go to Google Play Store
• Search for "IL Take Care – ICICI Lombard"
• Click Install
• Open the app and register using your mobile number

For iOS users (Apple iPhone):

• Open the App Store
• Search "IL Take Care"
• Tap Get to download
• Launch the app and follow the registration steps

How to renew travel insurance with the ILTC app?

Renewing your two-wheeler insurance with the ILTC App takes just a few minutes. Go to ILTakeCare login, go to the dashboard, select bike insurance and enter your registration number. Choose the renewal option, pick your preferred plan (own damage, comprehensive or third-party), review the premium and make payment through UPI, card or net banking. Once done, download your renewed policy instantly.

Conclusion

The IL Take Care bike insurance app is a great tool for two-wheeler owners in India. It brings ease, speed and comfort to the process of buying, renewing and managing your bike insurance. With its user-friendly design and useful features, you can now handle your policy anytime and from anywhere.

FAQs

Is the ILTC app free to use?

Yes, the ILTC app is completely free to download and use.

Can I renew insurance for any bike on the app?

You can renew insurance for any two-wheeler, even if your earlier policy was with another company.

What if I forget my login details?

You can very easily reset the password by using your registered mobile number or email ID.

Can I file a bike insurance claim through the ILTC app?

Yes, you can easily register and track claims through the app.

What payment options are available?

You can pay using UPI, net banking, debit/credit cards and other secure methods.

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.

Two names pop up while looking for a scooter in India. They are the Suzuki Access 125 and TVS Jupiter. Both of these scooters are solid choices. They are fuel-efficient, comfortable, easy to ride and reliable in the long run.

Read on to check out what makes each scooter click and explore why two wheeler insurance should be part of your purchase plan.

Feature comparison

First of all, let us take a quick look at how these two scooters stack up side by side:

Suzuki Access 125 - Pros and cons

The Suzuki Access 125 has built a strong reputation for being reliable, efficient and easy to handle. Here is a concise look at its key advantages and drawbacks based on real-world performance and equipment

• Pros:

The Suzuki Access 125 features a refined 124cc engine that delivers around 8.4 PS and 10 Nm of torque, offering smooth and responsive performance ideal for daily commutes. It delivers a practical fuel economy of around 48 km/l, making it economical for frequent riders.

Weighing about 106 kg, the scooter is light and easy to manoeuvre in traffic, making it suitable for beginners and shorter riders. Its suspension system handles most urban roads comfortably, ensuring a stable and fatigue-free ride. Higher variants come equipped with practical features like Bluetooth, Eco Assist and a USB charger, enhancing functionality without being overly flashy.

• Cons:

The Access 125 lacks an external fuel filler, which makes refuelling less convenient, especially when carrying luggage or riding with a pillion. Its analogue-digital instrument console feels outdated and doesn’t offer modern features like real-time mileage or ride stats.

Underseat storage is limited, struggling to fit full-face helmets or larger bags, unlike rivals with 30-litre capacities. While the suspension performs well on typical city roads, it tends to feel stiff over potholes or uneven surfaces.

TVS Jupiter - Pros and cons

The TVS Jupiter is designed with everyday practicality in mind, especially for riders who prioritise comfort, convenience and utility. Let us understand its advantages and limitations:

• Pros:

The TVS Jupiter’s underfloor fuel tank improves weight distribution, resulting in better stability and handling, especially with a pillion. It offers a generous 32-litre underseat storage area that can comfortably hold daily items or a half-face helmet.

The seat is wide and well-padded, ensuring comfort for both rider and passenger on longer urban trips. The external fuel filler at the rear enhances convenience, allowing for quick refuelling without opening the seat. The suspension system delivers a composed and smooth ride even on rough city patches, making it ideal for everyday use.

• Cons:

Despite its practicality, the Jupiter lacks smart connectivity features like Bluetooth or smartphone integration, which are now common in this segment. Riders may notice vibrations on the floorboard and handlebars at mid to high speeds, affecting overall ride smoothness.

Its semi-digital console, though functional, feels dated and omits useful data like fuel efficiency or detailed trip metrics, which can be found in competing models.

Why should you buy two wheeler insurance for your scooter?

Getting insurance for your scooter is essential to protect against unexpected financial losses. It is legally mandatory under the Motor Vehicles Act, 1988 and riding without it can lead to a ₹2000 fine or even jail for repeat offences.

A third-party policy covers liabilities if you injure someone or damage their property in an accident. Comprehensive bike insurance goes further; it helps cover repair costs from accidents, protects you against theft by reimbursing the scooter’s current market value (IDV) and offers coverage for damage caused by natural disasters like floods or earthquakes, as well as man-made events like riots.

Conclusion

If you have made it this far, you probably already know there is no clear winner. The Suzuki Access 125 offers a more refined ride with better mileage, while the TVS Jupiter 125 focuses on comfort, space and convenience. It comes down to what you need from your scooter daily. Just make sure that your scooter is insured, whichever one you end up riding home with.

FAQs

• Is the Suzuki Access 125 good for daily use?

Yes, the Suzuki Access 125 offers great mileage and smooth performance.

• Why is the TVS Jupiter considered a family scooter?

The TVS Jupiter is known for its spacious seat, large underseat storage and easy ride.

• Which is better in 2025: Suzuki Access 125 vs TVS Jupiter?

The choice between Suzuki Access 125 vs TVS Jupiter depends on your priority. Access is better for mileage, whereas Jupiter offers more comfort.

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.

Thinking of getting a two-wheeler insurance, but unsure about the GST amount? Knowing how GST applies to bike insurance can help you avoid surprises at checkout and plan your expenses more effectively.

In this article, we break down everything you need to know about GST on two-wheeler insurance. From applicable rates and their impact on premiums to how they differ for electric and used bikes.

What is GST?

GST or Goods and Services Tax is an indirect tax levied on the supply of goods and services in India. Introduced to replace multiple state and central taxes, GST aimed to simplify and unify the country’s taxation system. GST for two-wheeler insurance is charged over and above the base premium, making it an important cost component to consider when buying or renewing your policy.

GST on bike insurance in India

In India, a bike insurance GST percentage is 18%, additionally added to insurance premiums. For example, if your insurance premium is ₹1,000, then you will have to pay ₹1,180 (1000+18% GST) in total. Moreover, GST applies to both third-party and comprehensive plans.

Effect of GST on the bike insurance market

There is no denying that the bike insurance GST rate (18%) increased overall bike insurance premiums. This has made policies slightly expensive for customers. However, it has brought standardisation across the industry. Insurance companies had to adjust pricing structures, but the transparency in taxes helped streamline the billing and claim settlement processes.

GST rate on electric bikes

The GST rate of electric bikes is 5%. This is what makes them more affordable than traditional two-wheelers in terms of tax. This reduced rate also promoted eco-friendly transportation choices and supported India’s push towards a greener and more sustainable future.

GST on used/old bikes

If any individual sells a bike to another individual solely, there is no GST applicable because the transaction falls outside the scope of GST. However, if a registered dealer or business sells a used bike, GST is charged under the margin scheme.

In this case, the 18% GST is calculated only on the profit margin (the difference between the selling price and the purchase price or depreciated value).

GST impact on the two-wheeler industry

The introduction of 18% GST made the two-wheeler industry face a lot of ups and downs as it significantly increased the overall cost of ownership. While it streamlined the tax structure, it also reduced affordability for entry-level buyers.

To stay competitive and increase sales, the manufacturers had to launch more enhanced features and restructure their pricing structures. Moreover, lower GST on electric bikes (5%) boosted the demand for electronic vehicles.

Impact of GST on bike insurance premium

Earlier, the tax levied on bike insurance was 15% (14% service tax + 0.5% Krishi Kalyan Cess + 0.5% Swachh Bharat Cess). However, with the introduction of the GST, the taxation structure for insurance premiums has been streamlined under a single tax rate of 18%. This rate is the same for all types of two-wheeler insurance policies, whether third-party or comprehensive bike insurance plans.

For example, if your base premium is ₹2,000, the GST amount would be ₹360 (18% of ₹ 2000), making the total payable ₹2,360. This may seem small in isolation, but for individuals having insurance for multiple vehicles or opting for long-term comprehensive coverage, it becomes a huge amount.

Can you add your GST number to your bike insurance?

Yes, you can add up your GST if your two-wheeler is used for commercial purposes. However, when it comes to GST for two-wheeler insurance, claiming Input Tax Credit (ITC) is subject to specific conditions. According to the GST law section 17(5) of the CGST Act 2017, the ITC claim is only applicable if you use the vehicle for any of the following business purposes:

• Passenger transportation services
• For driving schools
• For delivery purposes of automobile retail shops, showrooms or manufacturing establishments

However, you may not be able to claim it if buying for personal use.

Conclusion

Understanding GST on bike insurance can help you make informed financial decisions. As now, an 18% GST rate is applied to premiums, the final premium cost can be significantly higher than expected. You can benefit by adding GSTIN if you are buying it for the allowed business purposes. It is always good to review the policy details, implications and tax to ensure you are not overpaying. A clear grasp of these charges can help you budget better and avoid surprises at renewal time.

FAQs

• Does GST apply to electric two-wheelers?

Yes, 5% GST is applied to electric two-wheelers.

• Has GST increased bike insurance premiums?

Yes. Earlier, the GST replaced the earlier service tax of 15% with 18%. It has increased the overall premium.

• Can I claim GST input on my bike insurance?

Yes, but only if the bike is registered under a business and used for commercial purposes.

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.

Are you looking for a 125cc scooter that is easy to ride, fuel-efficient and comes packed with everyday practicality? Then chances are high that you are torn between the Suzuki Access 125 and the Honda Activa 125. Both offer strong performance, useful features and long-term reliability, but each comes with its own set of advantages. If you’re trying to decide which one suits your needs better, read on. This blog breaks it all down for you.

Feature comparison

When it comes to features, every detail counts for daily riders. Let us see how the Suzuki Access 125 and Honda Activa 125 compare in that aspect:

Suzuki Access 125 - Pros & cons

The Suzuki Access 125 is a popular pick for riders who want something reliable, efficient and easy to handle. It checks many of the right boxes, but there are also a few trade-offs to keep in mind before deciding. Let us take a closer look at the pros and cons:

• Pros:

The Suzuki Access 125 offers 21.8 litres of under-seat storage, which is among the largest in the segment. It returns a mileage of around 55–58 km/l and is easy to handle with a kerb weight of 104 kg. A USB charger is available in select variants, and higher trims include practical additions like the Eco Assist indicator and side-stand engine cut-off.

• Cons:

The Access 125 doesn’t have an external fuel filler cap, so the seat needs to be lifted for refuelling. Bluetooth connectivity and real-time mileage display are limited to the top variant. The suspension feels stiff on rough roads, and there is no boot light. This makes under-seat access difficult in the dark.

Honda Activa 125 - Pros & cons

Honda Activa 125 has become a dependable choice for everyday riders. It comes with useful features and delivers a smooth riding experience. Still, there are a few aspects that may not work for everyone. Here are both the positives and negatives:

• Pros:

The Activa 125 starts quietly with its ACG starter, even in colder weather. Higher variants come with Bluetooth, SMS alerts and navigation support. Its idle stop-start system helps save fuel in traffic. The seat is wide and comfortable, and that makes it suitable for daily use or family rides.

• Cons:

The Activa 125 delivers 8.19 PS, which feels adequate but not very strong for a 125cc scooter. It offers 18 litres of under-seat storage, which might be limiting for bulkier items. The ride can also feel bouncy with a pillion on uneven roads. It doesn’t include a USB charger or boot light, even in the top variant.

Why should you buy two wheeler insurance for your scooter?

In India, two-wheeler insurance is legally required as per the Motor Vehicles Act. Riding without one can result in a fine of ₹2000 or more, or even jail if you repeat the offence.

Beyond that, a good policy will save you from third-party liabilities if you get involved in an accident. A comprehensive plan can take care of repair costs if your scooter gets damaged. You can also claim the current market value (IDV) in case of theft.

Conclusion

Suzuki Access 125 is a good choice for those who want more mileage and storage without spending too much. On the other hand, the Honda Activa 125 is a good pick if you are after useful features and a smoother ride. Both are strong options in their own way. Just remember to get comprehensive bike insurance. It is the simplest way to stay protected, no matter which one you go with.

FAQs

• What are the best features of Honda Activa 125?

The Honda Activa 125 offers Bluetooth connectivity, silent start, external fuel filling and an idle stop-start system.

• Which is better for mileage and storage—Access 125 vs Activa 125?

The Access 125 offers better mileage and more under-seat storage than the Activa 125.

• What should I consider when choosing between Suzuki Access 125 vs Honda Activa 125?

Go for the Access if you want efficiency and space; pick the Activa if you prefer features and brand trust.

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.

Buying a bike is a practical solution for everyday commuting. However, it also comes with the risk of theft, a common concern in many Indian cities. One moment your bike is parked safely, and the next, it could be gone. In such situations, having bike insurance can offer much-needed peace of mind. Let’s take a closer look at how the bike theft insurance claim process works and what steps you need to take if your bike is stolen.

What should you do immediately after your bike is stolen?

If your bike gets stolen, act quickly to ensure your insurance claim is accepted. First, file an FIR at the nearest police station with complete details such as the bike’s registration number, make, model, colour, accessories and the time and location of the theft.

Inform your insurer within 24-48 hours through their helpline, website or app. Notify the RTO so they can update their records and mark the vehicle as stolen.

Collect all necessary documents, including the FIR copy, insurance policy, registration certificate (RC), driving licence, valid ID proof and the non-traceable report from the police. Delays in completing these steps can lead to claim rejection or processing delays.

How to file a bike theft insurance claim?

This part mainly involves submitting documents and communicating with your insurer for updates. Let’s understand what you need to do:

1. Report the theft to your insurer: Call the customer support number, use the mobile app or log in to the insurer’s website.
2. Submit the required documents: Provide a copy of the FIR, your insurance policy and self-attested copies of your Registration Certificate (RC). You should also submit your driving licence and RTO forms, such as Form 28, 29, 30 and 35 if your bike was financed.
3. Submit the original keys if asked: Some insurers or police departments may ask for both keys for verification, so keep them handy.
4. Note your claim reference number: Your insurer will give you a claim number once you submit your claim.
5. Apply for a non-traceable report: Request a non-traceable certificate from the police station after 30 days or as instructed by your local police.
6. Coordinate with the insurance investigator: Your insurer may assign someone to verify the details of your case. They may contact the police station or check the documents you submitted.

Claim approval and settlement process

The insurer will review your claim once you submit all required documents. They will check your file and calculate the settlement based on the Insured Declared Value (IDV) mentioned in your policy.

The approved amount will be transferred to your bank account if everything is in order. The insurer may coordinate with the lender to settle dues if the bike was under a loan. If you had no depreciation coverage, your payout could be higher since depreciation would not be deducted. The entire process usually takes between 45-90 days, and it depends on how quickly the police issue the report and how complete your documents are.

How to avoid claim rejection?

To avoid claim rejection, ensure your bike insurance policy is active and renewed on time. Opt for comprehensive coverage rather than just third-party insurance. Report the theft immediately to both the police and your insurer, and submit accurate, complete documents without any discrepancies.

How to make your policy stronger and save money?

Enhancing your bike theft insurance doesn't always require spending more. Smart add-ons and precautions can offer better protection while potentially lowering your premium. Useful options include zero depreciation cover for full claim settlement without value deductions, and return-to-invoice cover, which reimburses the bike’s original invoice value, ideal for bikes under three years old.

A personal accident cover offers compensation for injury, disability or death during theft-related incidents, while an NCB protector preserves your No Claim Bonus even after filing a claim. Additionally, installing ARAI-approved anti-theft devices can reduce both the theft risk and insurance premiums.

Conclusion

Comprehensive bike insurance can help you recover the value of your bike if it is stolen. Just follow the claim steps, get the FIR and non-traceable report on time and keep all required documents ready for a smoother settlement. Also, check how the claim amount will be adjusted with your lender if your bike is under a loan.

FAQs

• What is a bike theft insurance claim?

It is a formal request to your insurer for compensation if your insured bike is stolen.

• How does the bike theft insurance claim process work?

You file an FIR, inform your insurer, submit documents and wait for claim approval after the non-traceable report is issued.

• What is included in the motorcycle theft insurance claim process?

It includes FIR filing, document submission, investigation and final settlement based on the insured value of your bike.

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

The Anti-lock Braking System (ABS) warning light is a key safety indicator on your car’s dashboard. When it turns on, it means your ABS, which prevents your wheels from locking during sudden or hard braking, may not be functioning properly. While your regular brakes will still work, the loss of ABS can increase the risk of skidding, especially on slippery or uneven roads.

Let’s learn everything about the ABS sign on cars, why it turns on and what to do next.

What are anti brake system light in car?

The anti lock brake system light helps prevent your car wheels from locking up when you brake hard and suddenly. If your wheels lock, you could lose control of your vehicle. When you hit the brakes suddenly, the system automatically applies and releases brake pressure many times per second, helping you steer around obstacles without skidding.

What does the anti brake system light look like?

The anti lock brake system warning light appears as the letters "ABS" or displays a circle with the letters inside, often with brackets around it. Some cars show it in yellow or amber colour, while others display it in red. You'll find this light on your instrument cluster, usually near the speedometer or fuel gauge.

Why is my anti brake system light on?

The most common causes that trigger the anti lock light on cars include faulty wheel speed sensors, which fail or get dirty and disrupt speed data to the ABS controller. Damaged or corroded sensor wiring can also break communication. Low brake fluid levels reduce system pressure and trigger the light. Worn brake pads or rotors affect braking response, causing sudden ABS activation.

Electrical issues like blown fuses or a malfunctioning ABS module can also illuminate the light. Lastly, faults in the hydraulic pump or valve, which regulate brake pressure, may cause the warning to appear.

Meanwhile, if the anti lock brake system warning light persistently stays on, it probably means your car's braking safety is not at its best.

What should you do when the anti brake system light comes on?

Now that you know why the ABS light on car lights up, first try turning off and restarting the engine, as minor glitches can reset the system. Next, check the brake fluid level under the bonnet and top it up with the recommended DOT 3 or DOT 4 fluid; persistent drops indicate a leak that needs urgent repair.

Inspect visible sensor wires near the wheels for damage or disconnection if you’re able. Finally, visit a workshop where a professional can use a scan tool to diagnose the issue and recommend regular ABS maintenance to avoid future problems.

How to reset an anti brake system light?

You can try resetting the ABS light yourself, but this will only work if the underlying problem is already fixed. Here are a few steps you can try:

• Option 1: Rest the battery manually

Turn off the engine, remove the key and disconnect the negative battery terminal. Wait for 10-15 minutes to allow the car’s system memory to clear. Then reconnect the battery, restart the vehicle and check if the ABS light has turned off.

• Option 2: Use an OBD-II or ABS scanner

Connect the scanner to your car’s OBD-II port, switch on the ignition (without starting the engine) and use the tool to read and clear error codes. If the issue is resolved, the ABS light will turn off. Works best with ABS-specific scanners (not all basic OBD-II readers access ABS codes).

• Option 3: Pump the brake pedal

In some cars, you can reset the system by pressing the brake pedal three to four times with the engine off (ignition on). When you do this, you are manually doing what the ABS does automatically. This mainly works in a few car models (consult your owner's manual or mechanic).

Conclusion

Ignoring the anti brake system light can lead to more expensive repairs over time. It can put you and others at risk, especially when driving through congested traffic or during monsoon.

While addressing the issue promptly is crucial, it’s equally important to ensure you're financially protected in case of an accident caused by brake failure.

This is where having the right car insurance policy becomes essential. A comprehensive plan covers repair costs resulting from accidents or damages, keeping you financially secure during emergencies. 

FAQs

• What happens if I ignore the ABS light?

Your vehicle may not handle emergency braking well, and you will be more likely to skid or lose control during sharp turns or sudden stops.

• Can I drive with the ABS light on?

Yes, but it's not recommended. While your regular brakes will still work, the anti-lock feature won’t. This can be dangerous in emergencies or on wet and slippery roads.

• Will an ignored ABS light on the car affect my car insurance claim?

If an accident happens due to brake failure, and your ABS warning light was active at the time, some insurers may decline your claim if they discover you ignored it during their investigation.

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.

Dark oil puddles under your bike often indicate an oil leak in bike engine that needs immediate attention. Engine oil is crucial for smooth performance, reducing wear and preventing major damage. While some leakage is common over time, it can signal bigger issues ahead.

If you want to know how to stop a bike engine leaking oil, this blog explains everything important, from the root causes to the best ways to detect it and easy solutions.

Causes of oil leakage in bikes

An engine oil leak motorcycle can stem from several common issues. Heat and vibration can wear out gaskets and oil seals, causing cracks that let oil escape. Loose or damaged drain plugs, missing washers or faulty oil pans also contribute to leakage. Overfilling the oil tank forces excess oil out through breather pipes or overflow outlets.

Cracks in the engine casing, often from falls or accidents, are another frequent cause. Poor maintenance, like skipping oil changes, can break down oil, turning it acidic and leading to seal and gasket deterioration, increasing the risk of leaks.

How to identify oil leaks in bike?

To identify a bike engine oil leak, watch for key warning signs. Dark brown or black stains beneath the engine often signal leakage. Oil marks may also appear on parts like the engine block, exhaust pipe or under the fuel tank.

A sudden drop in oil level between checks is another red flag, use a dipstick to confirm. A burnt or strange smell while idling may indicate oil dripping onto hot engine parts like the cylinder head. Excessive white or blue smoke from the exhaust also points to oil burning in the combustion chamber due to a leak.

Solutions for motorcycle engine oil leaks

Spotting a motorcycle engine oil leak is often easy, but fixing it requires careful inspection. Start by replacing worn gaskets and seals, especially around the oil pan, valve cover and timing chain cover. Ensure the surfaces are clean before installation. Use a torque wrench to properly tighten bolts without over-tightening, referring to your owner's manual for correct torque settings.

Apply manufacturer-recommended thread sealants to prevent seepage through threaded joints. For minor cracks, use metal epoxy or additives as a temporary fix. If the oil filter is damaged or poorly fitted, replace it with the correct type, applying a bit of oil to the rubber gasket beforehand.

After addressing the issue, clean the engine area and monitor it for a few days. If the oil leak in the bike engine persists, consult a mechanic promptly.

How to prevent oil leaks?

Motorbike oil leak is largely avoidable with a few simple preventive practices. Always follow the manufacturer’s recommended service schedule to ensure timely oil changes and early leak detection, which can reduce major repair costs. Use only the recommended grade and quality of engine oil, as low-grade or counterfeit oils and parts can lead to sludge buildup and premature wear.

Avoid overfilling the oil tank by checking levels with a dipstick or sight glass before refilling. Park the bike on flat surfaces and in shaded or covered areas, as sloped parking and extreme temperature changes can strain seals and gaskets.

Lastly, ride moderately because frequent high-speed riding and sudden acceleration can overheat the engine, weakening rubber components and increasing the risk of leaks.

What are the common parts where oil leakage happens?

Here are the bike parts that are more prone to leaking than others:

Conclusion

Whether it’s a small stain on the floor or an unbearable odour, early detection and prompt action can be life-saving. Learning how to detect and fix the root cause will also help you reduce your repair costs and prevent two-wheeler insurance claims.

Having a comprehensive policy with relevant engine protection can reduce your financial stress in case your engine is damaged due to oil leaks, water logging or fire.

FAQs

• When is it safe and unsafe to ride my bike in the event of a leak?

Safe: When the engine oil is not actively dripping and the leak source is known but not likely to worsen in a day or two.

Unsafe: When the oil is dripping badly, there’s a performance issue or the oil might come in contact with the rear tyre or brake system.

• Does two-wheeler insurance cover oil leaks?

Comprehensive bike insurance may cover repairs if the engine is damaged due to a leak or if the leak results from an accident.

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.

When you understand how bike engine works, you start identifying things, like strange noises, drops in mileage, heat levels and can catch problems early. This knowledge helps you talk confidently at the service centre and avoid unnecessary repairs.

This blog explains in simple terms how do motorcycles work, what components are involved and how different engines function.

Overview of motorcycle engines

Motorcycle engines are designed to convert fuel into motion using a process called internal combustion. In simple terms, petrol and air are mixed, compressed and ignited inside the engine to create energy. This energy creates an explosion that pushes the pistons, which turn the crankshaft and ultimately rotate the wheels.

The two most common engine types in Indian bikes are 2-stroke engines and 4-stroke engines.

Engine fundamentals

Let’s understand the basic principles that explain how motorcycles work:

1. Internal combustion: This is the heart of every bike engine. When you click the start button, the engine starts a cycle to generate power. It essentially runs on three things: fuel, air and spark.
2. Piston: It is a cylindrical metal part that moves up and down inside the engine’s combustion chamber. When the combustion process creates hot gases, they push the piston down, which connects to a crankshaft.
3. Crankshaft: It is found at the base of the engine and is connected to the piston. The crankshaft converts the piston’s up-and-down motion into a rotary motion that turns your wheels.
4. Valves: They let the air-fuel mixture into the engine and release the exhaust gases after combustion.
5. Spark plug: It creates the spark that ignites the fuel-air mixture inside the combustion chamber.

Key components

To understand how does a motorcycle engine works, you must know the importance of each component in the engine. They include:

• Cylinder block: This is the main body of the engine where the combustion process takes place.
• Cylinder head: This sits on top of the cylinder and contains the spark plug, valves and sometimes camshafts.
• Camshaft: It is a rotating shaft that opens and closes the valves (intake and exhaust) at the right time.
• Timing chain or belt: Keeps the crankshaft and camshaft synchronised.
• Air filter: It cleans the air entering the engine.
• Carburettor/ fuel injection system: It is a mechanical/electronic device that sprays petrol at high speed into the engine’s combustion chamber in measured amounts.
• Cooling system: Keeps the engine from overheating. Depending on your bike, this could be air fins, oil circuits or liquid coolant with a radiator.
• Lubrication system: It distributes and filters engine oil and reduces friction to keep the moving parts from wearing out.

How a 4 stroke engine works

Let’s understand how motorbike engine works. A 4-stroke motorcycle engine operates through four repeating phases: intake, compression, power and exhaust. In the intake stroke, the piston moves down, the intake valve opens and a vacuum pulls the air-fuel mixture into the cylinder while the exhaust valve remains closed.

During the compression stroke, the piston moves up, compressing the mixture into a smaller space, increasing its temperature and volatility. In the power stroke, the spark plug ignites the compressed mixture just before the piston reaches the top, causing an explosion that forces the piston down and turns the crankshaft.

Finally, during the exhaust stroke, the piston moves up again, the exhaust valve opens and burnt gases are expelled, while the intake valve stays closed to prevent contamination of the fresh charge.

How a 2-stroke engine works

In a 2-stroke motorcycle engine, the entire combustion cycle is completed in just two piston movements. As the piston moves upward, it compresses the fuel-air mixture inside the cylinder while creating a vacuum in the crankcase that draws in a fresh charge through intake ports. When the piston reaches the top, the spark plug ignites the compressed mixture, forcing the piston down. This downward motion opens the exhaust port to release burnt gases, while the pressurised fresh mixture from the crankcase enters the combustion chamber, ready for the next cycle.

Common misconceptions & tips

We have busted here three common myths about bike engines and also shared a few quick tips:

• Myth 1: Bigger engine = faster bike

Fact: Not always. A 150cc bike with better tuning can outperform a heavier 200cc one. It’s more about power-to-weight ratio, gearing and torque.

• Myth 2: Kick-start is better than electric start

Fact: Both start the engine the same way. Kick-starting may help in cold conditions, but it doesn’t protect the engine.

• Myth 3: You can use any engine oil in your bike.

Fact: Engine oil grades vary by viscosity and purpose. Always use the oil grade recommended by your manufacturer.

Conclusion

Learning how motorcycles work will help you become a more informed rider and better maintain your two-wheeler.

And just as you protect your engine with regular servicing, proper riding techniques and good fuel quality, protecting your entire motorcycle with reliable bike insurance is equally crucial. Choose a comprehensive policy for financial and legal protection against theft, third-party liability, accidents, fire and even natural disasters.

FAQs

• How often should I service my bike engine?

You should service your bike as per the schedule in your owner’s manual, usually every 2,000 to 3,000 km.

• Why does my bike consume more fuel in traffic?

Stop-and-go traffic prevents your engine from running at optimal efficiency. The frequent acceleration and idling increase fuel consumption.

• Can I use the same petrol for both two-stroke and four-stroke bikes?

Yes, you can, but two-stroke bikes need oil mixed with petrol, while four-stroke bikes have a separate oil system.

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.

India records the highest number of road accident deaths globally, making road accidents a leading cause of mortality in the country. This highlights the critical need for advanced safety features in automobiles. ABS in two-wheelers is one such safety feature that stops the wheels before they lock up due to sudden braking. Dual channel ABS and single-channel ABS are common terms that Indian motorists come across. Find out more about them in this blog.

What is ABS in bikes?

An Anti-Lock Braking System (ABS) is a significant safety feature for motorcycles. It prevents the locking up of wheels when sudden brakes are applied. When wheels lock up during braking, it can lead to skidding and accidents. ABS stops such wheel lock-ups to allow better control and avoid accidents. The ABS technology includes sensors on the wheels that track the speed and balance brake pressure suitably to maintain better control.

What is dual channel ABS in bikes?

The ABS braking system is commonly of two types— the single-channel and the dual-channel ABS. The dual-channel ABS works on both the rear and front wheels to offer more comprehensive protection. This braking system allows you to stop using both the rear and front brakes, providing shorter stopping distances while riding. With the dual-channel ABS, you can benefit from improved braking control and power, even in different riding conditions.

How does dual-channel ABS work?

As you manoeuvre through the busy roads, your bike’s dual-channel ABS is consistently working to offer you improved safety. Let’s look at how the dual-channel ABS works in two-wheelers:

1. The Electronic Control Unit (ECU): The ECU is an important component to receive data from your wheel’s sensors. It then adjusts brake pressure accordingly to stop your wheels from locking up in emergency braking situations.
2. The speed sensors: These are found on the wheels to detect the speed and send signals to the ECU before locking up.
3. The Hydraulic Control Unit (HCU): This includes the valves and pumps that release and restore the brake fluid pressure, respectively. They ensure there is an optimal pressure level that reduces the risks of skidding.

Advantages of dual-channel ABS in bikes

An important safety feature in bikes, the dual-channel ABS offers the following benefits:

• Improved braking efficiency: The dual-channel ABS offers better control over the vehicle, reducing stopping distance and improving overall braking efficiency.
• Better stability: Skidding is a major cause of concern among motorists, especially when applying sudden brakes. ABS reduces these chances of sudden skidding, allowing more stability.
• Prevent locking wheels: Sudden braking can lead to wheels that lock up and eventually cause skidding. ABS is significant in reducing the risks of such wheel lockups even during hard braking.
• Lower stopping distances: ABS allows you to brake harder without the risk of your wheels locking up. This reduces the overall stopping distance of your two-wheeler.

Best dual channel ABS bikes in India

Let’s look at some of the best bike models that offer the critical safety feature of dual-channel ABS:

• Royal Enfield Classic 350
• Royal Enfield Meteor 350
• Royal Enfield Hunter 530
• Bajaj Pulsar N160
• Bajaj Pulsar NS200
• Bajaj Pulsar RS200
• Bajaj Dominar 250
• KTM 200 Duke
• KTM 250 Duke
• KTM 390 Duke
• TVS Apache RTR 200 RV
• Yamaha FZ 25
• Honda H’ness CB350

Conclusion

The rising number of road accident cases in India is an alarming reminder that adventure should not come at the cost of your safety. With new features that offer comfort and performance, safety features like the ABS braking system are essential too. When it comes to protection, a bike insurance policy is just as necessary. While the ABS protects you against skidding, insurance will protect you against financial burdens in case of theft, fire, third-party accidents and own damage.

FAQs

• Is ABS better than non-ABS bikes?

An ABS braking system is always better than a non-ABS system, as it prevents wheels from locking up in situations that require hard braking.

• Does dual-channel ABS offer better protection than single-channel ABS?

Dual-channel ABS works on both rear and front wheels and offers better braking efficiency than a single-channel ABS that works only on the front wheel.

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.

For speed enthusiasts, the excitement and thrills of riding a bike are unparalleled. However, with the thrill of speed comes the responsibility of safety. Features such as the ABS brake system have become a valuable addition to the list of specifications that you should consider for better control and safety while riding. With different types, such as dual-channel and single channel ABS, understanding this crucial safety feature is necessary.

What is ABS in bikes?

The Anti-Lock Braking System is a critical safety and support feature that prevents the wheels of a motorcycle from locking up when brakes are applied suddenly. With panic or hard braking, your wheel can lock up, leading to skidding and total loss of control over your vehicle. Such situations are common, especially while riding on slippery and wet roads.

Your motorcycle could feature either a single channel ABS system or a dual-channel system, each with its distinct working mechanism and advantages.

What is single channel ABS in bikes?

The single-channel ABS is a system that functions only on one wheel of your bike, which is typically the front wheel. The front brake is usually responsible for a major portion of the stopping force, and hence, the single-channel ABS focuses primarily on it.

This system is often known for its affordability without compromising on the safety levels. A single-channel ABS might not offer you comprehensive safety coverage as a dual-channel system; however, it is an upgrade compared to non-ABS bikes.

How does single-channel ABS work?

The working mechanism of both single-channel and dual-channel ABS systems is quite similar. A single-channel ABS constantly monitors wheel speed to adjust braking pressure, but primarily for the front wheels. Let’s look at how it functions:

1. The front wheel speed sensor: This system includes a sensor on the front wheel to track its speed. In case of an abrupt braking, it sends an alert to the control unit to avoid a lock-up.
2. The Electronic Control Unit (ECU): Based on the signals received from the sensor, it can detect a lock-up. In case of sudden braking, the ECU adjusts the pressure according to the wheel speed.
3. The Hydraulic Control Unit: The valves and pumps in the HCU can reduce and reapply brake pressure on the front wheel to maintain an optimal balance. This also allows for improved control over the bike while braking.

Advantages of single-channel ABS in bikes

A single-channel ABS is an essential feature for your motorcycle for an overall improved riding experience. With fewer accidents and better control, single-channel ABS provides the following advantages in bikes:

• Reduced risks of wheel locking up: A major advantage of single-channel ABS is the reduced risk of wheel lock-ups. Therefore, even when you apply sudden brakes on slippery surfaces, you can avoid the risks of the wheel locking up.
• Improved overall vehicle stability: The risks of losing control or skidding are high during emergency braking. With an ABS, you can avoid such safety risks by preventing sudden wheel lock-ups.
• Reduced stopping distance: With the single-channel ABS, you can apply maximum brake force without compromising vehicle stability. This reduces the braking distance.
• Low accident risks: Better vehicle stability and a low stopping distance can reduce accident risks significantly.

Best single channel ABS bikes in India

The following list of bikes offers single-channel ABS for an improved and safer riding experience:

• Bajaj Pulsar 150 Twin Disc
• Royal Enfield Hunter 350
• Royal Enfield Classic 350
• TVS Apache RTR 160 4V

Conclusion

The Indian roads are a challenge with their rapidly changing structures, potholes and traffic. The unpredictability of Indian roads brings out the importance of safety features in motorcycles, like the ABS braking system. The single-channel ABS is a reliable feature to protect yourself in emergency braking situations.

Meanwhile, you can protect yourself against the financial burdens of accidents with two-wheeler insurance. Just as the ABS offers comprehensive protection against sudden obstacles, comprehensive bike insurance covers third-party damage, own damage and even fire and theft.

FAQs

• How safe is the single-channel ABS for bikes in India?

The single-channel ABS might not be as safe as a dual-channel system, which operates on both wheels. However, it is a safer option when compared to non-ABS bikes in India.

• Does single-channel ABS require regular maintenance?

The single-channel ABS operates constantly to offer protection against sudden wheel lock-ups and accidents. It is, therefore, necessary to regularly maintain its components, such as the ECU and change the brake fluids for smooth functioning.

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.

Electric vehicles are growing more popular in India, especially for city riders looking to save money on fuel and reduce pollution. One name that’s been making waves is Revolt, an electric bike company known for its smart and eco-friendly two-wheelers. Their latest model, the Revolt RV 1, is designed to be affordable, stylish, and packed with useful features. Whether you’re a college student, office goer, or delivery rider, this electric bike offers something for everyone. Let's explore everything you need to know about the Revolt RV 1.

Revolt RV 1 price

Revolt RV 1 comes in two variants – Standard and Plus. Both are budget-friendly and offer good value for money.

• The STD variant is great for daily city use and those looking for an affordable entry into electric bikes.
• The Plus variant gives you a higher battery capacity and longer range, which is ideal if you ride longer distances.

Revolt RV 1 prices can vary depending on your city and any ongoing promotions or government subsidies.

Revolt RV 1 specifications

Revolt RV 1 is designed with daily use in mind. It's lightweight, quick to charge, and offers enough range for most people commuting within the city.

Battery and motor

• Motor: 2.8 kW mid-drive motor
• Battery (STD): 2.2 kWh lithium-ion, IP67 rated
• Battery (Plus): 3.24 kWh lithium-ion
• Charging time (STD): 0 to 80% in approx. 2 hours 15 minutes
• Charging time (Plus): Fast charging option – full charge in 90 minutes

Range (claimed)

• STD variant:
  • Eco Mode – up to 100 km
  • Sport Mode – approx. 80 km
• Plus variant:
  • Eco Mode – up to 160 km

Performance

• Top speed: 70–75 km/h (claimed)
• Weight:
  • STD – ~108 kg
  • Plus – ~110 kg
• Ground clearance: 180 mm
• Seat height: 790 mm

Tyres & brakes

• Tyres: 17-inch alloy wheels with tubeless tyres
  • Front: 90/80
  • Rear: 110/80
• Brakes: 240 mm disc brakes at both ends with a combi-brake system for better safety

Revolt RV 1 features

Revolt RV 1 is packed with smart features that make the ride safer, easier, and more fun. Here are some of the most important Revolt RV 1 features:

Riding modes

• Eco mode: Save battery, great for smooth rides
• Normal mode: Balanced power and range
• Sport mode: More power for quick acceleration
• Reverse mode: Helps you back up easily in tight spaces

Display & controls

• 6-inch LCD digital display: Shows speed, battery percentage, clock, range left, and error messages
• Push start button: No keys needed
• Switchgear: Easy to use with good grip

Lighting

• Full LED setup:
  • Headlamp
  • Tail lamp
  • Turn indicators

Additional features

• Swappable battery: You can easily remove the battery to charge at home
• USB charging port: Charge your mobile on the go
• Low battery alert: Alerts you before the battery runs out
• Passenger footrest and storage box: Practical for daily commuting
• Water-resistant battery: IP67 rated, which means it can handle rain and puddles

Warranty

• Battery & vehicle warranty: 5 years or 75,000 km (whichever comes first)
• Charger warranty: 2 years

Revolt RV 1 bike insurance add-ons

Getting insurance is important when you buy a new bike, even an electric one like the RV 1. Apart from the basic third-party or broader coverage like comprehensive insurance, you can also get add-on covers for better protection.

Popular bike insurance add-ons for RV 1

These add-ons, along with NCB in bike insurance, can be helpful in the long run and provide peace of mind, especially with electric components, which can be costly to fix.

Conclusion

The Revolt RV 1 is a strong step forward in India’s electric mobility journey. With its affordable pricing, useful features, and smart design, it’s a great option for daily riders who want to save on fuel and maintenance. Whether you go for the STD or the Plus variant, you’re getting a reliable, stylish electric bike that’s easy on your wallet and kind to the environment.

Its ride modes, digital display, reverse assist, and swappable battery give it a modern edge over petrol bikes in the same price range. Add to that Revolt’s solid 5-year warranty and comprehensive bike insurance, and the RV 1 becomes a very smart choice for today’s commuter.

If you’re looking for your first electric bike or want a second vehicle for everyday use, the Revolt RV 1 should be high on your list.

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.

Combining sustainability with affordability, the Revolt RV 400 is among the top electric bikes in India. It is also the first AI-enabled electric bike in India, designed specifically for urban travel.

With features such as real-time calculation of battery range, consumption, distance traveled, time taken, the Revolt RV 400 is the perfect choice for city riders who want performance with sustainability. Read on to discover the Revolt RV 400 price, specifications and features. 

Revolt RV 400 price

The numerous Revolt RV 400 features come with an affordable price in India. The Revolt RV 400 price starts from Rs. 1,39,950.

The price of the bike varies by variant. The three variants available and their respective costs are as follows:

1. Revolt RV 400 STD edition

• Ex-showroom price: ₹ 1,39,950
• Insurance (depending on the policy coverage): ₹ 20,034
• Average on-road price in Delhi: ₹ 1,71,180

2. Revolt RV 400 cricket special edition

• Ex-showroom price: ₹ 1,23,750
• Insurance (depending on the policy coverage): ₹ 5,481
• Average on-road price in Delhi: ₹ 1,29,231

3. Revolt RV 400 stealth black limited edition

• Ex-showroom price: ₹ 1,23,750
• Insurance (depending on the policy coverage): ₹ 5,481
• Average on-road price in Delhi: ₹ 1,29,231

Revolt RV 400 specifications

What makes the Revolt RV 400 a top choice among Indian motorists? Besides it being a sustainable and smart alternative to fuel-powered bikes, the following Revolt RV 400 specifications make it stand out in the Indian market:

• Range: 150 km/charge
• Riding Modes: Normal, Sport and Eco
• Fuel Type: Electric
• Battery Capacity: 3.24 kWh
• Fast Charging Time (0-80%): 1.2 hours
• Charging Time (0-80%): 3.3 hours
• Charger Type: Portable
• of Batteries: 1
• Battery Type: Lithium-Ion
• Kerb Weight: 115 kg
• Top Speed: 85 kmph
• Motor Power: 4.1 kW
• Transmission: Automatic
• Front Brake: Disc
• Rear Brake: Disc

Revolt RV 400 features

AI is a valuable addition in any domain, including bikes. The Revolt RV 400 has numerous intelligent features owing to its AI-equipped design:

• The Revolt is equipped with a fully digital instrument console, featuring a speedometer, odometer, tripmeter and a user-friendly touch screen display that allows riders to easily customise the interface and view essential ride data.
• The bike comes with modern conveniences like a self-start system, kill switch and Bluetooth connectivity, enabling seamless pairing with smartphones for added functionality on the go.
• Safety and awareness are enhanced with smart indicators such as a low battery warning, hazard light and high beam indicator. Lighting is entirely LED-based, including the headlamp, brake light and turn indicators.
• Additional features like regenerative braking and parking assist add to the RV 400’s intelligent, rider-friendly experience.

Revolt RV variants with insurance premium

Your insurance premium for a Revolt RV depends on the variant and type of policy you choose. Let’s follow the table for an estimated premium for your electric bike insurance:

Revolt RV 400 bike insurance add-ons

As your bike becomes smarter with AI technologies, your two-wheeler insurance should also get an upgrade. With the following important add-ons for your bike insurance, you are investing in more coverage and financial security:

• Zero depreciation cover: This cover offers you complete compensation without deducting amounts for depreciation.
• No claim bonus: NCB in bike insurance is a reward for safe and claim-free riding, offered as a discount on your premium when you don’t make any claims during the policy period.
• Roadside assistance cover: This add-on service offers coverage during roadside assistance in sudden situations like a flat tire, battery start-up, etc.
• Personal accident cover: Provides financial protection for medical expenses, disability or death in case of an accident, for both the rider and pillion passenger.
• Battery protection cover: As the most expensive and essential component of an EV, the battery is vulnerable to wear and environmental damage. This cover protects you from high replacement or repair costs, not typically included in standard policies.

Conclusion

The Revolt RV 400 blends performance, style and smart innovation, making it more than just a ride. With its advanced features, striking design and smooth electric performance, protecting your bike with the right two wheeler insurance becomes essential.

A comprehensive bike insurance policy safeguards you from both third-party liabilities and own-damage costs, giving you financial peace of mind. Pair it with the right add-ons to enhance protection—so you can ride confidently and responsibly, 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 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.

Harley-Davidson is a name that brings to mind classic American motorcycles with a deep rumble and road presence. But now, Harley has partnered with Hero MotoCorp to bring a new bike, especially made for Indian riders – the Harley-Davidson X440. It is the most affordable Harley in India, designed to offer the charm of a cruiser with the practicality and comfort needed for everyday use.

In this blog, we’ll look at the price, specifications, features and insurance add-ons for the Harley Davidson X440. Whether you are a beginner or a seasoned rider, this bike has something exciting for you.

Harley-Davidson X440 price

The Harley-Davidson X440 comes in three variants – Denim, Vivid and S. Each variant has its own style and features.

Harley Davidson X440 price (Ex-showroom):

• Denim is the most basic version with spoke wheels and fewer tech features.
• Vivid comes with alloy wheels and Bluetooth connectivity.
• S is the top model with diamond-cut alloy wheels, TFT screen, voice recognition and GPS navigation.

No matter which variant you choose, you’ll get the same powerful engine and strong cruiser look.

Harley-Davidson X440 specifications

The X440 has been designed with Indian conditions in mind. It’s not too heavy, not too tall and offers just the right balance between performance and comfort.

Key Harley Davidson X440 specifications:

• Engine: 440cc, single-cylinder, air/oil-cooled
• Power: 27.37 PS @ 6,000 rpm
• Torque: 38 Nm @ 4,000 rpm
• Transmission: 6-speed manual
• Mileage: 35 kmpl (ARAI certified)
• Fuel tank capacity: 13.5 litres
• Kerb weight: Around 190.5 kg (varies slightly by variant)
• Seat height: 805 mm

Harley-Davidson X440 features

One of the strongest points of the X440 is its modern features. It may look like an old-school cruiser, but it’s packed with modern-day technology. Here are some of the most important Harley Davidson X440 features:

• LED headlamp with DRL: Bright, stylish and efficient
• Fully digital instrument cluster: Shows speed, trip meter, fuel level and more
• Dual-channel ABS (switchable): Safer braking in all weather
• Upside down front forks: Stable and responsive on rough roads
• Rear twin shock suspension: Comfort for long rides
• Bluetooth connectivity (in Vivid and S variants): Connect your phone for calls and music
• TFT screen with voice commands (S variant): Control features using your voice
• Turn-by-turn navigation (S variant): Helps you find your way easily
• Anti-theft alarm & geo-fencing (S variant): Added security for your bike

Harley-Davidson X440 bike insurance add-ons

When you buy a bike like the Harley-Davidson X440, it’s wise to choose a good two wheeler insurance plan. While a basic third-party cover is mandatory, getting comprehensive insurance with add-ons gives you better protection.

Useful bike insurance add-ons for X440:

• Zero Depreciation Cover

This add-on lets you claim the full cost of replaced bike parts without any deduction for wear and tear. It’s useful for reducing out-of-pocket expenses after accidents, especially for newer or premium bikes.

• Roadside Assistance (RSA)

If your bike breaks down or you get a flat tyre, this cover provides help like towing, minor repairs or fuel delivery. It's handy for riders who travel often or go on long trips.

• Engine Protection Cover

Standard policies usually don’t cover engine damage from things like water entry or oil leaks. This add-on protects your engine from such issues, which are common during heavy rains or flooding.

• Return to Invoice Cover

If your bike is stolen or damaged, this cover helps you recover the original purchase value, including extra costs like registration and road tax and not just the current market price.

• Personal Accident Cover

This is a required cover that gives financial protection in case there is accidental death or permanent disability of the rider. It provides peace of mind for you and your family.

These add-ons may increase the insurance premium slightly, but they offer peace of mind, especially for a premium bike like the X440. If you don’t make any insurance claims during a policy year, you earn a discount on your renewal premium. This is called NCB in bike insurance, and it increases over the years and helps lower your insurance cost.

Conclusion

The Harley Davidson X440 brings Harley’s famous design and feel at a price many more riders can afford. With its comfortable riding posture, strong torque and modern features, it is suitable for city rides, weekend getaways or even long highway cruises.

Whether you want a simple classic look or full digital connectivity, there’s an X440 for you. Just don’t forget to pair it with a comprehensive bike insurance plan with helpful add-ons to keep your ride safe and 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 topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

In 2024 alone, Delhi saw over 4,48,767 two-wheeler registrations, according to the Times of India. With millions of bikes navigating the roads every day, the risks of accidents and theft are steadily rising. Whether it’s your daily office commute or a weekend escape, your bike is a constant companion. This is why you must make your bike’s protection a priority.

When riding through Connaught Place or crossing a narrow lane in Lajpat Nagar, a valid two wheeler insurance in Delhi protects you both financially and legally. This guide covers everything you need to know about bike insurance in Delhi.

Why do you need bike insurance in Delhi?

Legal compliance is the foremost reason to have bike insurance in Delhi. However, beyond meeting regulations, comprehensive bike insurance protects you from financial losses in case your bike is damaged or stolen. It also covers third-party liabilities, paying for injuries or damages caused to others.

A reliable insurance policy safeguards you against events like floods, fires, earthquakes and more. It also helps streamline the resolution process in the event of a road accident. When both parties are insured, claim settlements become smoother, saving you from unnecessary arguments or legal hassles.

Problems faced by bike owners in Delhi

Delhi bike owners face unprecedented problems when driving on the roads. Some of them are detailed below:

1. Overcrowding: Road congestion is one of the biggest problems in Delhi. With packed roads and long signals, minor scratches and small collisions are common. These small damages accumulate over time, leading to high repair bills.
2. Air quality: Delhi is one of the world’s most polluted cities. Poor air quality significantly affects a bike’s performance. It forces the engine to work harder and increases fuel consumption and servicing costs.
3. Poor parking facilities: Due to limited space, many bike owners struggle to find adequate parking facilities. In that event, they have to park their bikes in unmonitored areas, which increases the chances of theft and damage.
4. Road condition: Poorly maintained roads, with potholes, uneven surfaces and ongoing construction, are a common sight in the city. These conditions lead to frequent wear and tear on your bike, increasing maintenance costs over time.
5. Extreme weather conditions: Water logging during heavy monsoons damages electric parts, while summer heat shortens battery and tyre life. A good policy with relevant add-ons helps cover these weather-related repairs.

Types of bike insurance ideal for Delhi

Here’s a breakdown of the main types of bike insurance in Delhi:

• Third-party insurance: This is the most basic coverage and a mandatory legal requirement. It covers damage to another person, vehicle or property caused by your bike. However, it does not cover damage to your own bike.
• Comprehensive bike insurance: This plan is best suited for Delhi’s challenging riding conditions. It covers third-party liabilities and own damage, including protection against theft, fire, natural disasters and accidents.

Additionally, you can choose the following add-ons to enhance your coverage:

• Zero depreciation cover: It provides a full claim amount without deducting depreciation costs.
• Roadside assistance: Get immediate response for breakdowns, dry tanks, dried batteries and towing when stranded on the road.
• Engine protection: This covers engine damage due to water ingress or fire.
• Consumables cover: It includes the cost for nuts, bolts and other items during claim settlement.

You also benefit from NCB in bike insurance (No Claim Bonus). If you don’t raise any claim during a policy year, you get a discount known as NCB when renewing the policy. It starts with a 20% discount after the first claim-free year and can go up to 50% with consecutive claim-free renewals.

How to buy bike insurance online in Delhi?

Buying bike insurance online in Delhi is fast, convenient and offers the best deals and maximum discounts. Here are the steps to purchase or renew a two-wheeler policy:

1. Compare policy terms, benefits and estimated premiums across different insurers.
2. Visit your chosen insurer’s website or mobile application.
3. Enter your bike’s registration number and other KYC details. You must also provide all relevant personal details.
4. Choose the type of policy you want: third-party or comprehensive. Select the relevant add-ons.
5. Make the payment using your preferred form of payment.
6. You will receive the policy via email.

Challan for not having bike insurance in Delhi

Delhi Traffic Police actively check insurance documents during routine stops. Riding without valid third-party insurance is punishable under the 1988 Motor Vehicles Act.

Here’s what happens if you get caught without valid insurance:

• You will be fined ₹2,000 for the first time or imprisoned for up to 3 months.
• Thereafter, you will be fined ₹4,000 and/or imprisoned for up to 3 months.
• In some cases, your bike may be taken away temporarily. You may have to appear in court after consistency violations.

The Delhi Traffic Police now issues e-challans. Thus, even if you are not stopped while on the road, you might receive a fine notification. You can pay the fine through the Delhi Traffic Police website or at the nearest station.

Conclusion

From rising traffic and theft to poor road conditions, there are various challenges that arise from owning a bike in Delhi. In such cases, insurance becomes a financial shield.

To stay protected, choose a bike insurance plan that aligns with your daily usage, regular routes and your bike’s make and model. For complete peace of mind, a comprehensive policy is your best bet as it safeguards your vehicle, your finances and your legal standing.

FAQs

• Is one-year insurance in Delhi enough for my new bike?

No. For new bikes, you need 5-year third-party insurance. You can add a 1-year own damage cover for complete protection.

• What is IDV in bike insurance?

IDV stands for Insured Declared Value. It’s the amount you will get if your bike is stolen or completely damaged. You can increase your IDV for an additional premium, but decreasing it is not recommended.

• What documents are required for bike insurance?

You need your bike's RC (Registration Certificate), previous insurance policy, ID proof and address proof.

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.