Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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  • Know All About Multi-Year Insurance Policies for Your Two Wheeler

    by nikesh lakhani | Aug 17, 2021

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

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

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

    A Penny Saved Is A Penny Earned

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

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

    Avoiding Chaos of Compliance Every Year

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

    Third Party Liability Insurance

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

  • Is Your Two-Wheeler Well-Covered for Monsoons?

    by nikesh lakhani | Aug 17, 2021

    Prep your two wheeler for the rains!

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

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

    Check the Tyres

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

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

    Lubricate the Chain

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

    Clean the Engine

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

    Service Your Brake Pads

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

  • 75% Two Wheelers in India are Uninsured. Is Yours One of Them?

    by nikesh lakhani | Aug 17, 2021

    Know the importance of insuring your ride

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

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

    Why You Shouldn't Ride Without Two Wheeler Insurance?

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

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

  • How to Prepare Your Bike for Monsoon?

    by nikesh lakhani | Aug 17, 2021

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

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

    Maintenance Check

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

    Tyres

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

    Brakes

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

    Rider

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

  • Purchasing a Bike, Read This

    by nikesh lakhani | Aug 17, 2021

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

    Intention of the Ride

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

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

    The Precious Price Factor

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

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

    Ergonomics

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

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

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

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

    Skill and Experience

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

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

    Fuel Efficiency Matters

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

    The Actual Cost of Ownership

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

    More than one factor determines the actual cost of ownership:

  • The best superbikes of 2014

    by nikesh lakhani | Aug 17, 2021

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

    Bimota DB8 Oro Nero

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

    Ducati 1199 Panigale

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

    Hesketh 24

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

  • Five Mantras for Perfect Riding

    by nikesh lakhani | Aug 17, 2021

    Moto-mantras for a better ride

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

    Ride Your Own Ride

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

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

    Dress for the Crash; Not for the Ride

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

    Slowing Traffic? Scan the Surroundings

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

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

    Always Have a Maneuverable Backup

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

  • Top 5 Global Bike Brands

    by nikesh lakhani | Aug 17, 2021

    Motorbikes in Grand Prix race

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

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

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

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

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

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

    Yamaha -"Revs your heart"

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

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

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

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

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

    Kawasaki - "Let the good times roll"

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

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

  • What Happens When You Do Not Buy a Two Wheeler Insurance?

    by nikesh lakhani | Aug 17, 2021

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

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

    Legal Liabilities

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

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

    Heavy Penalties

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

    Tedious Process

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

  • How Adequate Is Your Two Wheeler Cover? Checklist of Benefits

    by nikesh lakhani | Aug 17, 2021

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

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

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

    Types of Two Wheeler Insurance

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

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

    Checklist of Benefits

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

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

    by nikesh lakhani | Aug 17, 2021

    Technology can be used to prevent road fatalities in the burgeoning two-wheeler population

    The two-wheeler industry is the biggest segment of the Indian auto industry. It has more than 80% market share and is continuously growing at a rapid pace, posting double-digit growth last year. This is a mixed bag for the two wheeler segment in the country. It is good because the upswing is a relief to the two-wheeler industry, which last saw this kind of growth way back in 2012 and bad because 25% of total road crash deaths happen on two wheelers.

    These startling statistics can be greatly reduced with the help of assistive technology, which has already made its way into cars but is yet to make a mark in the motorcycle and scooter landscape. Here is how this technology can be utilised in the two-wheeler segment.

    Driver Distraction

    It is one of the foremost reasons for serious road accidents. Studies show that incoming messages and calls are one of the primary reasons for driver distraction. Even taking your eyes off the road for a short duration can result in a tragedy, and the adoption of hands-free telephony is not a solution. That is because when you are talking, the focus is more on the conversation rather than the road.

    Moreover, many riders only remove their phones to check who is calling and then decide what to do next. Solution to this can be the implementation of Bluetooth hardware to the telematics device, which communicates with the rider’s phone and reads out the number to a Bluetooth headset-enabled helmet. This assistive technology will inform the rider about the urgency of the call and then he can take the necessary action accordingly. As the telematics device can be equipped with motion sensors, it can also disallow the call to be picked up before the bike is stopped.

    Another aspect of driver distraction is the person riding with him – the pillion. Due to high levels of noise pollution, it is normal for the rider to turn his head to speak to the pillion rider. In doing so, he takes his eyes off the road for a few seconds, which can prove fatal. Here also, Bluetooth-enabled helmets can prove useful, as they will establish a link of communication between both, without any distraction.

  • Skipping on Two Wheeler Insurance Could Cost You!

    by nikesh lakhani | Aug 17, 2021

    Don’t save on insurance premium at the cost of all your life savings

    India has long taken over China in being the world’s largest two wheeler market. One in every three households in India owns a two wheeler and we can see why. In the urban areas, increased traffic and overcrowded public transport has led to the increased use of two wheelers.

    In the lesser developed parts of the country, two wheelers are just as popular, maybe even more, owing to the lack of public transport facilities. The parts of our country that were earlier left out on development projects, have now been seeing large-scale road construction projects, further boosting the use of two wheelers.

    Convenient, cost-effective and easy to navigate through heavy traffic, two wheelers are our country’s favourite ride. But it’s not all good. There are also major concerns that arise with the use of two wheelers.

    Safety Hazard

    Two wheelers are and always have been one of the more risky commuting options. In our country, over 95% of the road accidents involve a two wheeler. While some of these cases can be blamed on adolescents driving rashly, poor road conditions and third-party mistakes, one of the major causes of such an alarmingly high number of bike accidents is completely avoidable.

    Absence of Helmet

    About 28 two wheeler riders die on a daily basis in India because of the lack of a helmet. A United Nations study found that the survival chance of a two wheeler rider is improved by 42% if they wear a helmet. In spite of the known cause of frequent two wheeler accidents as well as the solution, there has been no change in the devastating statistics.

  • Follow These Steps to Avoid Being Sold the Wrong Two Wheeler

    by nikesh lakhani | Aug 17, 2021

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

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

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

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

    Check Out the Ergonomics

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

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

    Get to Know the Seat Height

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

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

    With or Without Fairing?

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

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

    Do You Travel Light?

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

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

    Is Fuel Efficiency Your Main Concern?

    For Indians, the right bike is usually the one that gives the most mileage. But, riders are passionate people who are devoted to the cause of riding and freedom. Fuel efficiency is still a concern, but not a big one. Having said that, nobody would appreciate owning a two wheeler that demands regular fuel stops.

  • Learn How to Ride a Bike in 5 Easy Steps

    by nikesh lakhani | Aug 17, 2021

    Learn about the basic operations of a motorcycle with a few simple bike riding tips

    Riding a bike provides a sense of freedom which is beyond words. It is also one of the most convenient modes to commute, relieving you from traffic snarls and erratic public transports. So, if you are willing to learn how to ride a bike, this article is the one for you.

    These simple instructions will teach you basic bike riding tips, and will prepare you to get your own driving license.

    Earn a Learner’s Permit and Buy Proper Safety Equipment

    The first thing you need to do is acquire a learner’s license before you can start learning to ride a bike. So, check the minimum age requirement in your state and apply for it at your nearest Regional Transport Office (RTO). Also, purchase safety equipment like helmet, gloves, leather jacket, sturdy boots, and eyeglasses before taking on the challenge.

    Know About Various Parts and Controls in a Bike

    After you’ve earned your bike learning permit, and are equipped with all the safety gears, it’s time to get familiar with various parts and controls before you can begin learning how to ride a bike:

    • Clutch lever: It is typically found on the left side of the handle-bar. The function of the clutch lever is to engage power to the engine.
    • Throttle: Located on the right handle-bar grip, it is similar to the accelerator of a car. Used to control power sent to the rear wheel.
    • Gear shift lever: This is usually a pedal on the left side in front of the footrest for the rider. It is needed to shift up or down one gear at a time.
    • Brake levers: The rear brake pedal is located near the right foot peg of the rider whereas the front brake lever is on the right side of the handle-bar in front of throttle.
    • Ignition switch: Often located on the right side of the handle-bar beneath the throttle, it is pressed once to start the motorcycle engine.
    • The dash: The remaining parts of the dash consist of a speedometer, tachometer, and the indicator signals used for turning left or right.
  • CNG-Fuelled Two Wheelers for an Emission Free India

    by nikesh lakhani | Aug 17, 2021

    Using CNG-fuelled two wheelers to curb air pollution in Indian cities

    For a nation stricken with air pollution, where millions of commuters prefer two wheelers, a sustainable and eco-friendly alternative to fossil fuels is the need of the hour. As per the International Organisation of Motor Vehicle Manufacturers (OICA) 2015 Statistics, the domestic motor vehicle sales in India between April 2015 and March 2016 was approximately 20.47 million units of which two wheelers were 16.5 million, constituting 80% of the total sales.

    Another study by the Centre for Science and Environment (CSE) reveals that two wheelers account for 31% of vehicular pollution whereas four wheelers constitute 20%.

    Considering the number of two wheelers on Indian roads, the total pollution caused by them is approximately 50% more than four wheelers. The search for alternate fuels for two wheelers is on a rise and Compressed Natural Gas (CNG) seems to be the road ahead.

    CNG Fuelled Vehicles and their Positive Impact

    A Natural Gas Vehicle (NGV) or a CNG fuelled vehicle is a vehicle that uses CNG as a cleaner alternative to fossil fuels. CNG offers several benefits over fossil fuels, such as:

    • Engine parts corrode gradually with CNG than with fossil fuels
    • Offers high mileage
    • Almost 30% less emissions
    • Cleaner emissions with an extremely low carbon content

    The operational cost of CNG fuelled vehicle is 60% less than petrol and 28% less than diesel vehicles. Interestingly, replacing a diesel bus with a CNG bus is equivalent to taking 21 cars off the road. With deteriorating air quality in Indian metros, CNG fuelled vehicles are paving the way towards cleaner and reduced emissions.

    Hawa Badlo

    After its emergence as the world’s worst city in terms of air quality in 2014, strict measures have been adopted to improve the air quality in Delhi. Initially the odd-even formula for vehicles and now the adoption of CNG fuelled two wheelers, the national capital is committed to shed off the worst air quality tag.

  • Two-wheelers get three-year insurance cover, coming soon for cars

    by nikesh lakhani | Aug 16, 2021

    The Insurance Regulatory and Development Authority has devised a three-year version of the mandatory third-party liability cover and it has encouraged companies to come up with policies that cover the vehicle.

    "We are definitely interested in filing a long-term product. In two-wheeler segment there are a large number of owners who forget to renew their policy after the first year and a long-term cover will help reduce the number of uninsured vehicles on the road," said G Srinivasan, chairman, New India Assurance. He added that besides long-term two-wheeler insurance, the company was keen on launching similar policies for cars.

    In a circular to all general insurance companies, IRDA said that the total premium for third-party insurance would be thrice the annual premium and it cannot be changed during the tenure of the policy. "The authority is also conscious about the fact that there is a need of long-term comprehensive (own damage plus third-party) cover also. Insurers are encouraged to file 3 year term comprehensive policies as per file and use guidelines," said IRDA.

  • Are Two Wheeler Add-ons Really Worth Buying?

    by nikesh lakhani | Aug 16, 2021

    Benefits of Buying Two Wheeler Add-ons

    Opting only a third party two wheeler insurance might appear cost effective, but will it go a long way? It won’t. When buying insurance for your two wheeler, always opt for a comprehensive coverage to help you in the long run.

    Additional covers or add-ons to supplement their basic two wheeler coverage and make it more useful for the buyer. These add-ons can be easily availed at an additional premium, the cost of which depends on your basic coverage and the features you want.

    Benefits of Two Wheeler Add-ons

    Here are some of the exciting benefits that two wheeler add-ons provide:

    • Roadside assistance: Minor breakdowns while riding a two wheeler can be irritating and sometimes leave you helpless. Most insurers offer roadside assistance facility that will rescue you from minor breakdowns at the convenience of a call.
    • Cashless garages: Most insurers have tie-ups with several garages across the country. You can always reach out to these network garages and all your repair costs will be paid by the insurer.
    • Spare parts replacement: Almost every time, it is you who have to pay for your two wheeler’s aging or damaged spare parts after an accident. However, if you opt for this additional cover, your insurer will take care of these expenses.
    • Accessories protection: If you like to add fancy electrical and non-electrical accessories to your two wheeler, you better shield them with an additional cover. Any damage to these accessories will be taken care of, by your insurer.
  • A Biker's Essential Checklist for Summer Ride

    by nikesh lakhani | Aug 16, 2021

    The sun shines brilliantly and warm breeze blows into your face. You feel the rush as you zoom through space and adrenaline begins to pump in. The pure, unbridled joy of defying the wind. It is summer and time to hit the road!

    As the temperatures soar and as the ride gets longer, dehydration, drowsiness and disorientation could creep in. You sure do not want to spoil the fun by being ill prepared for a summer ride. Read on to ensure a safe and pleasant experience.

    First off, Dress to Impress

    Well not so much as impress as to help you stay protected and comfortable in the sun and dirt.

    • Make sure your arms and legs are fully covered. Look out for a comfortable and stylish biker jacket that has a durable and stretchable lycra /mesh net fabric that will allow your clothes to breathe!
    • Wear a cotton t-shirt under the jacket. This can soak the sweat and dry off easily. A pair of rugged full-length jeans is ideal to protect your legs from the heat and provide extra protection from the gravelly tracks.
    • Prevent your face from drying up with a balaclava and use a bandana to soak the sweat under your helmet.
    • Opt for a strong ISI approved helmet that fits well so you are at utmost comfort while riding. Your helmet should have adequate cushion, grooves for ventilation and sturdy straps to keep it in place.
  • 5 burning questions about all things bike

    by nikesh lakhani | Aug 16, 2021

    Motorbike lovers unite! And history buffs. And auto nerds. And headline hawks. Scroll below for answers to some of your more pertinent questions regarding motorbikes! From lockdown effects to online two wheeler insurance – we’ve got your answers!

    Which motorcycle helmet to buy?

    Which helmet you buy depends on how frequently you use your bike and your budget. While picking out gear for yourself, your mantra should be: safety over swagger. Purchasing everything on your list, all at once, can be tricky not to mention expensive. To ensure that your protective riding gear is complete you can divide your purchases according to the nature/frequency of your rides. If your rides mostly comprise daily commutes, the first thing you should tick off on your list is a helmet that doesn’t compromise on safety but isn’t OTT either. To say, that you require a good helmet is an understatement. Invest in one that’s built of lightweight material, fits snugly, is equipped with soft cheek pads and helps to reduce wind resistance. A pair of gloves, one with good cushioning is also a good addition to your gear. If you’re an avid biker who likes to go on biking tours or even frequent long drives, you’re going to need a few more things than just gloves and helmet. Invest in good rider boots, jacket, waterproof gloves and helmet that’s equipped with Bluetooth.

    Also read: Tips for choosing your next motorcycle boots

    Will motorcycle prices drop after lockdown?

    We saw this question coming a mile away! We can’t outright answer in the affirmative only because there are several factors to consider here. First is the regulation around BS6. It’s now compulsory for manufacturers to make and sell BS6 compliant vehicles which also carry a heavier price tag. But back in April, the government had given the auto-industry a ten day reprieve, post the first phase of lockdown, during which they could sell their BS4 outfitted inventory. Most manufacturers jumped at this opportunity and offered BS4 bikes at really attractive prices. Is this likely to happen once more? Difficult to say at this point of time. Keep in mind that auto manufacturing suffered heavy losses during the lockdown.

    Second, most people reliant on public transport will be less likely to go back to it once office spaces open up. They will look for more personal modes of transport like a car or bike. But with the economy in doldrums at the moment, everyone’s spending power is greatly constrained. This could mean that auto manufacturers, wanting to make the most of consumer sentiment, lower their prices. But if easy financing for purchases is available this might not happen. The best thing to do at the moment is watch, wait, and if you really do want to buy a two wheeler, keep the health of your finances in mind.

  • What Is ABS and Why You Should Have It In Your Bike

    by nikesh lakhani | Aug 16, 2021

    Be it for the ease of navigating through city traffic, the adrenaline rush, saving some money, or helping you in finding your Zen - there can be 101 reasons, but the truth is you love your two-wheeler.

    However, there are perils associated and no matter how good a rider you are, things can still go horribly wrong! Even the most avid bike lover would agree that riding a bike is far from being child’s play!

    For instance, compared to stopping a car, stopping a bike is a different ball game altogether. There are separate brake controls in the front and rear wheel in most two-wheelers and either one can lock during hard braking.

    Such incidents can reduce the bike’s stability and substantially increase the likelihood of a fall. However, there is a simple fix available for the problem.

    Fixing a simple looking technology can make your rides far safer! Yes, we are talking about the humble anti-lock braking system (ABS). Getting ABS on your favourite two-wheeler can reduce the chances of a fatal crash by 31%. Here is how.

    How does ABS work?

    During an emergency braking situation, the wheels can lock resulting in the skidding or falling over of the motorcycle. ABS functions in an anticipatory role. It has electronic sensors to detect locking before it actually occurs. So, when the biker actually applies brakes, ABS can kick in and apply the right amount of brake pressure.

    This results in maximising the performance of the braking system. Thus, the bike can slow down without having to lose traction. An anti-lock braking system can reduce stopping distance and prevent skidding. Here, we list the advantages of ABS:

    1. Reduction in stopping distance

    2. Using ABS in the right way can reduce the stopping distance. From a starting speed of 80 km/hr, a bike without ABS would continue running for 30 meters after application of brakes. However, the same bike would have stopped 3 meters shorter, if fitted with ABS.

      This becomes possible owing to the fact that with ABS, the tyres are constantly getting traction. Thus, there is more effective scrubbing off of speed in ABS fitted motorcycles.

      However, without ABS, the wheels can lock and lose traction as hard braking is applied. This results in skidding of the motorcycle as the tyres are trying to grip the surface.

      As a biker, you know that even a meter can make all the difference between a safe ride and a collision, or between life and death. Make a wise, life-altering decision. Choose ABS and ride stress-free.

    3. Better control

    4. A biker knows the importance of control in having a steady ride. ABS helps you have better control over your ride in emergency braking situations.

      Fitted with ABS, there are greater chances for the bike to stop in a straight line and shed speed in a controllable manner. Thus, it helps you retain your control over the ride and reduces the chances of skidding.

      However, two-wheelers not fitted with ABS are likely to lose traction in emergency braking conditions and leave the rider without much control over steering. In tough weather conditions, this might result in a tumble or a crash.

    5. Prevent Stoppie

    6. Whether you are a professional stuntman or not, you would obviously not like your bike performing stoppie without your will. Yet, this is what can happen when your two-wheeler is not fitted with ABS.

      Even when the weather is bad and the roads are slippery, your two-wheeler can offer far more traction when fitted with ABS. Additionally, when fitted with ABS, braking is more linear. In comparison, when your bike is not fitted with ABS, braking is much more abrupt and can result in a stoppie, skidding or tumble.

      In an ABS-fitted bike, the hydraulic system controls the braking pressure and thus the rider feels mild pulsation on the brake lever. Thus, if you are pushing the braking system, the ABS in combination with the hydraulics gives you the warning signals.

      Thus, as you can well appreciate, ABS is useful irrespective of whether you are riding for the first time or are a veteran. The technology is beneficial and can save your life in most on-road situations.

      While choosing a new motorcycle, choose one with ABS. ABS helps you stay safe and be on the road. Also get yourself a comprehensive two wheeler insurance. Bike insurance cushions you from the financial impact following an accident with your two-wheeler.

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