Updated on - 02 Mar 2026
Did you know that over two crore two-wheelers are sold in India every year? That is nearly one every 1.5 seconds! With such staggering numbers, it is clear that bikes and scooters are more than just a mode of transport here; they are a way of life.
Whether you are moving through city traffic, heading to college or planning weekend rides, choosing the right bike can make all the difference. However, with so many options available, from mileage-friendly commuters to feature-packed sport bikes, how do you pick the one that’s right for you?
In this blog, we will walk you through the key things to consider before buying your bike.
Tips to make a smart purchase
Whether you are a first-time bike buyer or looking to upgrade, here are the key factors that should guide your decision:
Purpose
Once you know why you need a bike, it will be extremely easy to answer the rest of the questions. Some might want to buy an economical bike to commute daily to work, while others might simply want to zoom ahead of traffic on a sports model or cruise along the highway on a cruiser.
Engine capacity
Check the bike’s engine or cylinder capacity. This measure of displacement determines the power of your engine. A higher CC bike means more of that awesome power, but would also mean more weight and less mileage.
Mileage
Purchasing a bike is not a one-time expense; remember to factor in the mileage, as it is a key differentiator. If you are a cost-conscious rider, bikes offering higher mileage should be on your list.
Maintenance
A bike needs to be maintained regularly to avoid long-lasting damage. Often, certain parts need to be replaced. The availability and the price of the spare parts also need to be considered while zeroing in on a bike.
The right time
Bike manufacturers usually launch new models during the auto expo and offer substantial discounts during festivals. Be on the lookout for upcoming models and lucrative schemes to make the most out of the purchase. After all, why would you want to purchase an outdated model when a high-end, economical model of the same bike is due for release in a few weeks?
Bike insurance
Remember that it is mandatory to get two-wheeler insurance for the bike you purchase, be it a new one or a used model. This will safeguard your prized possession against theft and damage due to various incidents.
If you are unsure as to what type of bike insurance you need to buy, simply fill out the form on this page to get expert advice tailored to your needs.
Role of bike insurance after buying your new bike
Buying a bike is just the first step. It's equally important to protect your bike with suitable two-wheeler insurance, ensuring both legal compliance and financial security.
1. Legal and financial protection
It is mandatory to have at least third-party bike insurance as per the Motor Vehicles Act, 1988. The third-party liability cover fulfils the legal obligation, covering the injuries caused to others and damage to their property by your bike. Hence, the insurer covers the compensation, saving you from paying it yourself. However, it doesn’t cover the damages to your two-wheeler.
Comprehensive bike insurance, on the other hand, provides a wider safety net, covering third-party liabilities and theft or damage to your bike from crashes, natural calamities and man-made disasters. Thus, in case of loss of your bike or any repairs or replacements arising due to damage, you don’t have to pay for it.
2. Add-ons that enhance your policy
Most insurers offer optional add-ons with a comprehensive policy, such as:
- Zero depreciation cover- lets you claim the total cost without reduction for depreciation
- Roadside assistance- provides towing services, battery jumpstart, fuel delivery, etc, if your bike breaks down on the road and mechanical help is not available.
- Engine and gearbox protection- Covers repair costs for engine or gearbox damage caused by incidents other than a collision.
- Personal accident cover for pillion riders- Offers financial protection for the pillion rider in case of injury or death.
These can be especially useful if your bike is expensive, new, or used for long-distance travel.
3. Personal accident cover
Most of the comprehensive insurance offers compensation for medical expenses or death/disability of the bike owner due to a road accident. However, some insurers don’t provide personal accident cover as part of a comprehensive plan, but offer it as an add-on.
4. Cashless repairs
Many insurers offer cashless repair options at network garages, making the process smooth and hassle-free for the policyholders.
Conclusion
Buying a motorcycle is a big decision, one that involves more than just the price tag or engine specs. It is about selecting a bike that feels right for your daily life and offers long-term value. Remember, riding a bike brings freedom, but it also comes with responsibility. Ensuring your motorcycle is protected with the right two-wheeler insurance is essential to safeguard your finances and have peace of mind while on 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.