What is Two Wheeler Insurance?
Two wheeler insurance, as the name suggests, is an insurance policy that provides protection from any liability or damage to an individual or property by your two wheeler (such as a scooter, motorcycle, moped etc.). It protects and covers the cost of damage to your vehicle due to unforeseen incidents such as accidents, man-made or natural calamities, theft etc.
Bike insurance provides financial assistance and protection in the event of any incident affecting the insured two wheeler as well as if any damage is caused to any property or person by the insured two wheeler, thus saving the owner from paying a large amount of money if such situations arise.
Two-wheeler insurance is compulsory in India for using the vehicle on the road. It comes under the general insurance industry. It is sanctioned and approved by the Insurance Regulatory Development Authority of India (IRDAI). It also offers cover for damages that result from riots, strikes, explosions, etc. The coverage offered to you will depend on the insurance company.
Two Wheeler Insurance - Benefits of Third Party
Two wheeler insurance is purchased for private vehicles, commercial vehicles, and mixed vehicles. Two-wheeler insurance offers excellent protection for all forms of two-wheelers including mopeds and motorcycles. When you take it, you can go for additional protection to keep your precious vehicle safe and secure. You can ride your bike with this protective shield if some mishap occurs while riding, you can get immediate assistance from any of the garages that are tied up with your insurance company.
Insurance companies now offer two-wheeler insurance policies with coverage terms of 1, 2, or 3 years. Some insurers offer special discounts on long-term plans with policy term of 2 or 3 years.
Who can buy two-wheeler insurance in India?
Anybody who is permitted to ride a two-wheeler can purchase insurance for two-wheelers. If you have a valid driving license, you can purchase a policy. The policyholder will preferably need to be employed or self-employed to buy the policy. If you are 18 years old and above, you can go for two-wheeler insurance. You will need to meet the minimum income criteria specified by your insurance company.
Most often, your first two-wheeler insurance policy will be a part of your vehicle’s package and this will last for 1 year. You need to renew your two-wheeler insurance policy for subsequent years. It is compulsory to protect your vehicle with insurance when you want to ride on the road.
|Two wheeler Insurance provider||Cashless Network Garages||Third Party Insurance Cover||Personal Accident Coverage||Incurred Claim Ratio (Motor Insurance)||Policy Term||No Claim Bonus||Bike Insurance Online Renewal|
|Bajaj Allianz Two Wheeler Insurance||Available||Available||Coverage up to Rs.1 lakh for the owner-driver||69.19 %||1-3 years||No Claim Bonus (NCB) benefits||Available|
|Bharti AXA Two Wheeler Insurance||2,500+||Available||Available as an add-on cover for owner-driver and the co-passenger||89.09%||1-3 years||NCB of up to 50% and Up to 2.5% discount for installation of security devices||Available|
|HDFC ERGO Two Wheeler Insurance||4,800+||Available||Available for the owner-driver under comprehensive motor insurance||89.43%||1-3 years||Premium discount for long-term two-wheeler insurance plan||Available|
|Reliance Two Wheeler Insurance||430+||Available||Available as add-on coverage||91.39%||1 year||NCB benefits||Available|
|Liberty Videocon Two Wheeler Insurance||Available||Available||Available for the owner-driver||77.29%||1-3 years||Discounts at renewal and NCB benefits||Available|
|IFFCO Tokio Two Wheeler Insurance||Available||Available||Available||84.37%||1-3 years||NCB benefits||Available|
|ICICI LOMBARD Two Wheeler Insurance||Available||Available||Available||78.91%||1-3 years||NCB benefits||Available|
Types of Two-Wheeler Insurance in India
Insurance companies offer a range of policies to suit different requirements. Owners of two wheelers can choose a policy that best suits their budget and requirements. Insurers in India offer customers two types of two wheeler insurance, which are explained below:
As the name suggests, liability only insurance provides insurance coverage in case of damage caused by the insured vehicle to a third party. Third party insurance is compulsory under Indian law and all two wheelers are required to have this form of insurance.
Liability only insurance covers the legal cost arising out of damage resulting in personal injury, property damage or death to a third party due to the insured vehicle.
Along with covering the cost of damage due to an accident or incident, most insurance companies also offer accidental death cover to the owner of the insured vehicle. This is an additional benefit that is offered to two wheeler owners. This serves as an additional cover in the event the owner is injured, with the insurance company covering the cost up to a certain limit.
Liability only insurance policies provide coverage largely to the third party and does not offer much in the way of protection for the two wheeler or the rider. However, premiums for liability only cover can be purchased from a number of leading insurance companies at an affordable rate. The cover can be purchased for a year and renewed annually.
You can get this type of insurance from all 2 wheeler insurance providers for both private and commercial vehicles. It is the most basic type of vehicle insurance. Whether you have a carrier, goods-carrying vehicle, two-wheeler used for delivery of goods, or a passenger-carrying vehicle, you will get coverage for third-party liability under this plan. It covers bodily injury or death to third-party and damage to the property of third-party. This plan can be taken by the owner of the two-wheeler or a lessee who plans to buy a two-wheeler on lease.
Under this type of insurance, the declared value of the insured will be fixed according to the depreciation percentage that is mentioned in the showroom price tariff list. It is applicable, if the bike is not older than 5 years. If the bike is older than 5 years, then the declared value of the insured for the bike will be the present value in the market. This applies even to outdated vehicle models that are not manufactured anymore in the market.
With a liability-only insurance plan, you will receive third-party liability cover as well as personal accident cover, depending on the company. You will be required to pay service tax for such plans. There are certain exclusions that come with this plan and they include contractual liability and death caused by or while employing someone who is responsible for reimbursing money under the policy.
Comprehensive two wheeler insurance provides coverage for third party liability as well as protection for the insured two wheeler and rider. Comprehensive two wheeler insurance covers damage to the vehicle arising out of natural and man-made calamities as well as coverage for the owner and rider.
Comprehensive bike insurance provides complete protection in the event of an accident resulting in partial or total damage to the insured vehicle. It also covers the owner and the co-rider (included as an add-on) through personal accident cover.
With a two-wheeler comprehensive insurance policy, you can enjoy good protection for your vehicle when it is stolen, damaged, or lost. It also provides personal accident cover to the owner or rider of the vehicle. Apart from this, it will also cover third-party liability. Comprehensive insurance, as the name suggests, is an all-inclusive insurance policy. You will be a smart insurance policyholder if you take such a plan as it will help you in minimising costs. Instead of investing in different types of covers at different points of your life, you can instead take a single comprehensive insurance policy in one go and enjoy maximum benefits.
Many two-wheeler riders tend to ignore the advantages of taking comprehensive insurance as they believe that it is adequate to take only the most basic form of insurance just to meet the compulsory law of having vehicle insurance. With comprehensive insurance, you will get quality coverage for yourself, your vehicle, and damage caused to the external party. It is sometimes more expensive than a liability-only insurance due to the coverage offered by the plan. A number of insurance experts generally suggest the purchase of a comprehensive insurance plan for your scooter or motorbike if you have the sufficient amount of funds to buy it.
Apart from offering all-inclusive coverage at a reasonably good price, it is also very beneficial when you cannot prove your fault due to some unavoidable reason. Moreover, with comprehensive two-wheeler insurance, you do not have to be stressed if you will end up paying unnecessary extra costs while getting your motorbike or scooter fixed. Your repair bills will be accurate and hence, you will have peace of mind.
In case your two-wheeler gets damaged during a flood or gets damaged by someone messing with it, you can get your costs reimbursed with your insurance policy.
Coverage Insurance Type Third Party Liability Comprehensive Cover Injury Yes Yes Death Yes Yes Damage to third party Yes Yes Personal accident cover No Yes Theft No Yes Fire damage No Yes Loss of vehicle No Yes Natural calamities No Yes Man-made calamities No Yes
Comprehensive vs Liability Cover
Comprehensive insurance covers you even when you are the one who is at fault. Whether the damage is caused by you or not, you will get protection with this type of policy. You will receive coverage for damages caused to you, your vehicle, third-party, and the vehicle or property of the third-party. On the other hand, a liability-only cover gives protection solely for injury or death caused to third-party and damage or loss of two-wheeler of the third-party. It does not consider the damage caused to your own two-wheeler. It covers only damages that have been caused to other vehicles.
With comprehensive coverage, you will procure liability coverage along with coverage for your own property. For liability cover, your monthly expenses will be lesser compared to the monthly expenses incurred on comprehensive insurance. However, both the types of insurance are equally helpful to a bike rider. With comprehensive insurance, you may have to pay a higher price, however, the benefits you enjoy with it are really good.
Both the covers work differently and any one may work well for you depending on your circumstance.
If you have taken a loan to purchase your two-wheeler, then you will need to consider your EMIs also while choosing your insurance. If your EMI payments are still going on, then a comprehensive cover will be ideal. This is because you will need other money to pay your EMIs. On the other hand, if you have already paid your two-wheeler loan fully and if you have a reasonably good amount of funds for emergency purposes, then you can go for liability only cover. This is because your monthly expenses for both liability cover and comprehensive cover will be completely different. There will be a huge difference between these prices. Hence, if think you can pay your expenses for your bike repairs with the additional funds that you have accumulated, then you can purchase a basic liability cover
Also, if you think you will be using your two-wheeler very rarely due to reasons such as dependence on office transport or public transport, or any other reason, then you can go for liability insurance as comprehensive insurance may not be too necessary for you.
Features and Benefits of Two Wheeler Insurance
Protects vehicles: The most basic benefit of 2 wheeler insurance is that it protects the vehicle from damage due to accidents, large or small. Even a small dent or paint touch up would result in a significant drain on the owner’s pocket. Insurance would take care of these expenses at a minimal cost.
Two-wheeler insurance provides excellent protection for the vehicle after it is damaged due to an accident or a natural or man-made calamity. It offers coverage for both partial loss as well as complete loss of the scooter. The insurance policy will reimburse costs incurred on damages caused to your own vehicle as well as third-party’s vehicle. Whether you have a vehicle for personal, commercial or mixed purposes, the policy will provide extensive protection. When you incur extremely high costs on getting vehicle damages fixed (for your vehicle and third-party’s vehicle), two-wheeler insurance is the most viable resolution. It is your responsibility to keep yourself and your vehicle and safe and secure with a two-wheeler insurance policy. With bad road conditions and lack of driving ethics among many people, this form of insurance is indispensable.
Covers third-party liability: in the event that the insured vehicle is involved in an accident, the cost incurred due to damage to a third party would be covered by the insurance company.
Two-wheeler insurance provides protection for liability caused to a third-party. This includes both damages caused to the third-party’s property or vehicle as well as injuries suffered by a third-party. Under third-party liability insurance, your base premium will be fixed according to the cubic capacity of the vehicle’s engine. It is the most common type of insurance among several individuals as it is compulsory as per the laws. A third-party policy will not be seen as a valid policy if the accident occurs outside the geographical limits that are specified in the policy document. It may also be seen as invalid if the rider of the vehicle is not the owner of the vehicle. Most insurance companies have network garages even when you take a third-party liability cover for your motorbike or scooter.
Covers third-party property damage: owners of insured two wheelers that cause damage to a third party’s property will not have to pay for the damage caused, as the insurance company would be covering these costs.
Two-wheeler insurance extends excellent support to any rider who has to pay for damage caused to a third-party’s property. This can be his or her vehicle, house, vehicle accessories, etc. When an external party’s property gets destroyed due to your negligence or a fire or any other fault, then the losses that he or she incurs will be covered by your third-party property cover. This type of covers is exclusively given for damage caused to property. It does not include injury caused to a third-party.
In case your vehicle crashes some other vehicle, then the damage caused to the other person’s vehicle will be covered by this insurance policy. It is very important to choose a cover for third-party property damage because if the other person’s vehicle or property is very new with a high value, then it will be difficult to handle these repair expenses without insurance.
Covers vehicular damage: vehicular damage caused due to natural or man-made calamities as outlined in the policy document would be covered by the insurance company, including partial or total loss of the vehicle due to such events.
As discussed, two-wheeler insurance offers helps the policyholder in getting the vehicle fixed after an accident or a breakdown. Many insurance companies have tie-ups with major motorbike repair garages for repairing damages caused to vehicles. You will get special prices for repairs when you visit any of these garages. Each company will collaborate with different garages. You will need to find out these specific garages and then choose any of them when you are in need of help.
- Cashless garage facility: In the event of an insured two wheeler suffering a breakdown or machinery issue, insurers offer cashless garage facilities at various locations, making it convenient for the vehicle owner to get assistance. Know more about Cashless Two Wheeler Insurance.
A cashless garage facility for two-wheeler insurance is absolutely fantastic. With this feature, you will not be required to pay while your bike is getting repaired. The amount that needs to be paid for your repairs will be paid without cash. You will have to visit any of the cashless garages that are authorised by your insurance provider.
This facility is very beneficial when you meet with an accident or when your vehicle has a sudden breakdown. In such situations, you may not be equipped with instant cash to pay for your vehicle repairs. With a cashless garage facility, you can rely on your insurance company to settle the repair bills fully once the work is done.
Garages can get removed and added from the cashless garage list over a period. You will need to check this list before you choose to go for the repair services. The policyholder will have to fill a certain form before availing the cashless repair facility. He or she will need to complete certain formalities before the repairs are done. These cashless garages provide superior-quality repair services compared to normal garages.
- Provides insurance for riders: Many two-wheeler insurance policies offer coverage to the rider even if he or she is not the policyholder. This can be a person who is delivering goods for a business or someone who is using a self-ridden hiring scooter. When the rider is a part of an accident, he or she will receive compensation from the insurance policy for meeting his or medical or hospitalisation expenditures.
- Additional coverage: Bike insurance provides additional coverage for various purposes such as accidental death, permanent or temporary disability caused by an accident, personal accident cover, zero depreciation cover, etc. You will be required to pay an additional premium to your insurer in order to enjoy the additional coverage.
- Provides peace of mind: When you meet with an accident, you will be mentally and physically stressed. With a two-wheeler insurance policy, you can control your stress. You will only have to file a claim and then the company will take care of everything else. You do not have to be tensed about burning a hole in your pocket for handling your medical and repair expenses.
- No-claims bonus (NCB): Your NCB will get accumulated over the years if you do not make any claim with your insurance policy. With a no-claims bonus over the years, you will receive excellent discounts on your premiums. Many insurance companies allow you to earn NCB for several years. However, some companies tend to set a limit of 5 years for earning NCB.
- Instant access to the policy: Almost every insurance company offers immediate access to your insurance policy when you need it. Whether you have met with an accident or your two-wheeler has been damaged due to a calamity or some other reason, you can inform your insurance company and you will get the coverage after your vehicle has been examined. The claims settlement process will be taken care of by your insurance advisor. You can access your policy online or offline.
- Easy transfer of NCB: You can shift your NCB when you are replacing your current motorbike or scooter with a new one. You can move your insurance policy from your existing two-wheeler to the new one and then obtain a no-claims certificate from your insurer. You can then use this certificate when you actually purchase your new vehicle and then procure a discount for your new vehicle’s insurance premium. You also have the option to request a refund. It can be transferred only if the policyholder is the same. It can be moved from one insurance company to another.
- Premiums charged on two-wheeler insurance costs: For two-wheeler insurance, the premiums will be determined by certain vital factors such as model and make of bike, geographic location, engine capacity, age of vehicle owner, year of vehicle manufacture, voluntary deductible, no-claim bonus, etc. You can calculate your premiums by utilising the premium calculators available on many third-party sites and on official websites of the insurers.
- Enhanced or additional coverage: Two-wheeler insurance comes with enhanced or additional coverage if you pay an additional premium. One of the additional covers includes zero depreciation cover in which you do not have to worry about the depreciation factor when you file your claim. Different insurance companies offer riders for accident benefit, permanent disability benefit, etc. when you pay an extra amount.
- Two-wheeler insurance quote: To get a quote for your two-wheeler insurance, you can visit any of the two-wheeler insurance companies or third-party websites and key in your vehicle details. You will have to enter your bike registration number, your name, your email address, and your mobile number. You can then click the feature for getting a quote. If you are renewing a particular policy, you will have to enter your existing policy number and then request a quote.
- Two-wheeler insurance status: You can track the status of your two-wheeler insurance by going to the official website of your insurer or by visiting their office. If you meet with an accident and you are unaware of the status of the other vehicle’s insurance policy, you can visit the website of Insurance Regulatory and Development Authority of India (IRDAI). Here, you only need to key in information regarding the accident and the registration number of the vehicle and you will get details about the insurance status.
Third Party Two Wheeler Insurance Policy Rates
The Insurance Regulatory and Development Authority of India (IRDAI) raised the insurance rates for both automobiles as well as two-wheelers with effect from April 1, 2017. Due to this increase in rates, many policyholders rushed to renew their policies before the above-mentioned date. The hike in premium prices was pretty high. Let us take a look at the table to understand the difference in prices.
|Vehicle Engine Capacity||Old Premium RateApril 1, 2016||Revised Premium Rate w.e.f April 1, 2017||Percent Hike|
|Up to 75 CC||569||569||0%|
|76 CC to 150 CC||619||720||16%|
|151 CC to 350 CC||693||887||28%|
|Above 350 CC||796||1,019||28%|
Individuals who own two-wheelers that are below 75CC do not have to be tensed about anything as there is no change in premiums for this vehicle type. This was partly done in order to revise the commission assigned to agents.
Long Term Two Wheeler Insurance:
Two-wheeler insurance is offered by different insurance companies for different tenures according to your preferences and premium payment ability. You can decide your policy term and receive a guaranteed bike insurance cover package. Many insurance companies offer two-wheeler insurance for a long period ranging from 2 to 3 years or even above.
With such a policy, you will be required to renew your insurance policy only once in 2 or 3 years. This is very beneficial as you will not have to worry about remembering to renew your policy on a regular basis. You will not have to go through the renewal process again and again. You can buy most of these long term bike insurance policies online where you only have to choose your policy period and then renew after your policy period is completed.
Benefits of Long Term Bike Insurance:
With long-term insurance, you can enjoy great advantages such as:
- Avoiding the payment of third-party premium hikes that are made on a regular basis
- You will receive coverage for up to 3 years which is a long period. You do not have to get stressed if you will miss your premium renewal deadline. You will have to renew it only once.
- A long-term two-wheeler insurance policy helps you stay away from service taxes. This is very helpful as you will not incur any additional expenses during your policy period.
- If you make a claim during your long-term policy period, your no-claims bonus (NCB) will only decrease. It will not become 0. On the other hand, if you make a claim with a normal two-wheeler insurance policy, then your NCB will become non-applicable.
- Your third-party liability premium will not get modified at all during a long-term policy period.
- You can enjoy a discounted premium when you take a two-wheeler insurance policy for a long period.
- For some two-wheeler insurance policies, if you file a theft claim or a total loss claim, you can get a refund for your policy for the remaining policy period. This depends on the insurance company.
- You will receive an additional NCB benefit when you renew your long-term policy.
- When a regular insurance policy lapses, many insurance companies tend to make it mandatory to examine the two-wheeler before providing a new policy or renewing the existing one. You can avoid this complex process when you take a long-term policy.
- However, you also need to keep in mind that if the premium prices go up in the market, then a long-term insurance policy will force you to pay higher prices.
How to Apply for Two Wheeler Insurance in India?
You can apply for two wheeler insurance online in India or offline. You will get a quote of your premium when you choose the policy term. You may also receive a discount on your premiums depending on your company.
Two Wheeler Insurance Offline:
If you want to apply bike insurance offline, you will have to reach out to an insurance agent or insurance advisor who works for a two wheeler insurance company. He or she will assist you by bringing the relevant forms to you. Buying an insurance policy offline is much more expensive because you will have to renewal pay a certain percentage of your premium to the agent. Hence, your premiums will be higher when you apply offline. In an online application, there is no intermediary and hence, the premiums will be less expensive.
- At the insurer’s office/branch: You can visit a two wheeler insurer’s office and meet a representative to fill your application form. If you have any queries while filling it, you can ask anyone at the office for instant support.
- Through an insurance agent: You can contact an insurance agent from the company you prefer and then take his or her help to complete the application process. You will be required to pay a specific amount as commission to the agent.
- Through a bank or other third-party dealer: A few banks help people in applying for a two-wheeler insurance. You can visit the bank branch or the official website of the bank and obtain support. You can also get the assistance of a third-party dealer that specialises in offering insurance policies. You will need to visit the dealer’s office or branch for applying. Some agents also make visits to the customer’s residence to complete the application process.
Two Wheeler Insurance Online:
If you are applying bike insurance online, you can visit the official website of the company that you choose as your insurer. You can also apply on third-party websites that sell insurance in India. When you choose an online application, you can start off the process by getting a quote from different insurers instantly. Before you decide your insurer, you can make use of the online premium calculator to get an idea about the premium that you will have to pay. You will need to fill your bike registration number, mobile number, and email address in the respective fields. You can then click to buy online.
Is it mandatory to have two-wheeler insurance in India?
Two-wheeler insurance is monitored by Insurance Act, Motor Vehicles Act, Transfer of Property Act, as well as insurance contracts that are controlled by the Indian Contract Act. These laws have made it compulsory for any motorbike or scooter owner to have a two-wheeler insurance. With a two-wheeler insurance policy, you will get coverage from the Motor Vehicles Act for several costs that you may incur when you meet with an accident. These costs can include repairs for the vehicle after road collision, flood, theft, natural calamities, strike, riot, etc. The damages caused to your own vehicle are not compulsory for all vehicles in all cases according to the acts governing motorcycle insurance. Coverage for own damage is optional.
A two-wheeler has the potential to cause damage to others when it is ridden on the road. Even when the engine is not on, in case it falls on someone suddenly or on a property, it can cause severe damage. Hence, it is absolutely important to purchase a two-wheeler insurance when you own one. The other property may not be insured. In such cases, it is good to be safe to have insurance at least for your vehicle. Even if you have leased a motorbike, you are advised to take an insurance policy in your name.
Some aspects of two-wheeler damages that are not covered by a basic insurance policy that is required by the laws include legal liability to a rider who is paid, wear and tear of motorbike or scooter, loss of accessories, riding after consuming alcohol or any other intoxicating drug, accident cover for pillion riders, etc. The laws have mandated that you should get at least a basic insurance policy for using your two-wheeler on the road. However, you can also choose to take comprehensive insurance for extensive coverage. If you do not insure your two-wheeler and if your vehicle is involved in an accident, you will be required to pay a hefty sum of money as a fine.
Why Do You Need A Two Wheeler Insurance Plan?
Other than the fact that two-wheeler insurance is made compulsory by law, it is highly important for maintaining safety and to get reliable coverage when the rider is held for any third-party liability.
- Riding a two-wheeler is considered very risky compared to commuting in a car. This is because the bike does not give any proper safety like how a car gives with the body of the car.
- With two-wheelers being the most popular mode of transport especially for commuting on a daily basis, purchasing a basic two-wheeler insurance policy for your motorbike or scooter is absolutely essential.
- With a 2 wheeler insurance plan, you will have to pay only a premium, which is much more cost-efficient compared to bearing the costs of damage caused to your vehicle on your own. The insurance policy for your vehicle will cover even your legal liability when you meet with an accident.
- Buying two-wheeler insurance is just like using a helmet when you ride your bike or scooter. It will keep you safe and ensure that you have a smooth riding experience.
- When you use a two-wheeler, roadside assistance is very important in case you meet with an accident at any point of time. This is very crucial especially when you go on a biking expedition passing through highways where you may not always find a good two-wheeler repair service station. When you have a two-wheeler insurance policy, you can reach out to your insurance provider for quick roadside assistance. You can count on the company to contact a reliable vehicle repair dealer and you will get prompt towing services. Whether your motorbike has a breakdown or gets damaged in an accident, your vehicle will get towed and fixed in a reasonably short period depending on the intensity of the damages.
- You may also be required to use an alternate bike while your actual vehicle is getting fixed in the authorised garage. The costs incurred on arranging this alternate two-wheeler may also be borne by your insurance policy. You can check this while purchasing your policy.
- In case you meet with an accident and the other party gets injured or his or her vehicle gets damaged, then you will be required to pay a hefty sum of money to cover the loss of the third-party. With two-wheeler insurance, you can get coverage for both financial and legal liability for a third-party.
- If you take a rider or an add-on plan with your basic two-wheeler insurance policy, any damages caused to your pillion rider will be covered by the additional plan. This is very important as in most cases, the pillion rider’s well-being is generally ignored.
- You will also receive good coverage for expenses incurred on hospitalisation and medical treatment. For some insurance plans, you will be required to take a rider to get such coverage.
- You can select an appropriate insurance plan according to the make of your vehicle. There are different types of plans designed for each vehicle model, make, year of manufacturing the vehicle, etc.
- Apart from covering damage caused to your Two-wheeler, third-party’s body, and property, you can also get a personal accident cover with many Two-wheeler insurance plans. With this, the owner of the vehicle will get coverage when he or she meets with an accident while riding his or her vehicle. The policy will provide a particular amount of money as a part of this cover.
- A typical two-wheeler insurance will provide you with coverage for damages resulting from theft, fire, explosion, lightning, storm, burglary, terrorist activity, floods, strike, riot, cyclone, and damage caused during transit on road, rail, air, waterway, etc.
Safety Tips to Bikers
Riding a motorbike or any other two-wheeler is fun, enjoyable and generates a sense of freedom. However, you need to take a few precautions while riding a two-wheeler. When you are riding a motorbike or a scooter, you need to be extra careful when compared to driving a 4-wheeler. These precautions are simple in nature. You only need to follow the relevant traffic laws sincerely and maintain good road sense. This will help you have a smooth and safe riding experience all your life.
Motorbikes and scooters do not have safety features like cars. Hence, it is very important to follow general safety guidelines to keep the road a safe place for everyone.
- Wear helmets: Whenever you use your motorbike or scooter, make certain that you are wearing a helmet with good eye wear and a face shield. Without a helmet, there is a higher probability of facing a serious head injury. With a helmet, you can prevent head injuries extensively. Your eyes will also be secured when you wear a helmet. Eyes are very sensitive and hence, it is essential that you take basic measures to safeguard them while riding. Your helmet needs a good visor to keep you safe from dust, fog, rain, and this will, in turn, prevent you from meeting with any accident. A visor will also help you in adapting to different light conditions.
- Follow traffic rules: When you are riding a two-wheeler, you need to follow traffic rules diligently. You should remember to ride according to your skill level. Never over speed when you are on your bike. You will have to decide the speed at which you want to ride according to your experience and the traffic on the road. Some people may have been riding a motorcycle for many years and hence, they may tend to go very fast. However, you do not have to follow them. You will need to control your bike carefully while riding on a curvy road or while trying to get out of a traffic jam. You can develop your riding skills with time and then increase your speed. If you are keen about owning a motorsport bike, you need to be very cautious while riding it. You will have to get appropriate gear to ride such a bike. Also, you can go for advanced riding classes to make sure you have a proper riding experience.
- Avoid rash riding: You should avoid riding too fast especially on a motorsport bike as it is not good to apply brakes all of a sudden when there you are forced to bring your speed down due to some reason. Shifting gears and accelerating unevenly may hamper your riding experience and can also harm your bike’s quality.
- Stay away from distractions while riding: You should also keep yourself away from getting distracted. You will need to be fully aware while riding a two-wheeler. You should ideally avoid listening to music on your earphones while riding as it is very important to hear what’s going on around you when you are on the road. Another individual on the road may try to overtake you from behind and you may not be aware of this with your music on. Hence, keep your music and also your phone away while riding. Taking a call while riding your bike is a very bad idea.
- Check your bike’s condition casually before you start to ride: Before you start to ride your motorbike, make sure you check the tyres, headlight, indicators, tail-light, coolant fluids, etc. You will need to see if there are any bulges or cracks in your tire. You should also check if there are any wear and tears in your bike parts. Check your bike mirrors, your rear brakes, and front brakes. The brakes will need to be firm and stable. If you have a geared bike, check your gears and clutch thoroughly. You also need to check your horn before you start your ride.
- Ride your bike according to the weather: A two-wheeler is not very stable and steady compared to an automobile. If the weather is rainy, make sure you ride very cautiously as there are more chances for slipping when the roads are wet with slush and mud. Rain may also bring out oil on your road and hence, you should decide to take out your bike only after checking. If you are living in a place where it snows, you should be extremely careful. After it snows, the roads can get wet and dangerous. Hence, it is better to leave your bike at home on a snowy day.
- Wear good footwear while riding: You should also ensure that you wear good footwear with a proper grip. If you wear flip flops or sandals, you may not get the right grip and hence, you may end up slipping or losing control while laying your bike. You might also slide on the road. This can cause serious injuries to you. With strong and good quality footwear, you can protect yourself from tiny rocks, asphalt, etc. that can lead to skidding.
- Maintain good space while riding your bike: It is true that a motorbike or scooter is lighter and smaller compared to an automobile. Therefore, many people may think that applying brakes at the last minute is a great idea for bikes. However, that is not the case. It is very important to maintain a reasonable amount of space between your bike and another vehicle. This can avoid unnecessary accidents. You need to have good space for your bike in a traffic jam.
- Make sure you ride only when you are sober: You may have had only a couple of drinks and you may think it is not a big deal to get back home riding your bike. Whether you have had 1 drink or 5 drinks, make sure you leave your bike and take an alternative mode of transport. Do not take the risk of riding after intoxication. It can cause harm to you as well as to others on the road. After drinking, you may be drowsy and tired. Hence, you may not have the required ability to react appropriately.
Bumper-to-bumper bike insurance
Bumper-to-bumper bike or two-wheeler insurance is also called the zero-depreciation cover. This cover is now available for two-wheelers. It is a sort of an add-on cover. With this add-on feature, wear and tear of vehicles will be included in every claim. Generally, vehicle wear and tear is not covered by an insurance policy. Your insurance company will pay the full insured amount without deducting any depreciations.
This type of cover will provide you with coverage for so many unexpected situations that you may across while riding. Since the protection offered by this type of cover is higher compared to other types of insurance and the returns earned by the insurance company are comparatively less, the premiums for this plan are higher. A bumper-to-bumper bike insurance policy does not cover depreciation on the battery or the tyres of a vehicle. The application process for bumper-to-bumper bike insurance is similar to the one for regular bike insurance.
23 Mar Bicycles vs. Motorcycles: Which one is best for you?
Bicycle vs. motorcycle: both have 2 wheels, and both need momentum to stay balanced. Leaning and turning principles are exactly the same, except stuff happens much faster on a motorcycle because you are going faster. Riding either machine is basically the same because you’re riding on 2 wheels, you have to maintain your balance, and you’re having a ton of fun!
Let’s discuss the differences between these two vehicles first. The big difference is the engine. Bicycles don’t have one; you’re the so-called engine and we, as humans, cannot put out the horsepower of gas or electric powered engine or motor. Other differences are the weight, speeds attainable, cost, and proper operation. In both categories, most of the vehicles are equipped with gears for speed changes, and most MCs have 4-6 gears, whereas bicycles can have 1-21+. How do you stay upright on either? Well, to ride a motorcycle you must know how to ride a bicycle. The common denominator is power to the rear wheel, whether it’s the engine or your legs. Another difference is that bicyclists tend to disregard common traffic laws, which do apply to them as well such as disregarding of red lights, riding against oncoming traffic, and more others. Motorcyclists also disregard traffic laws, such as speeding, lane splitting, and DUI to name a few.
Now let’s talk about the similarities. Let’s start with cornering. Going around curves can be a deadly task on a motorcycle if you corner improperly. Remember, when you ride a bicycle you’re usually in a park or riding on a sidewalk where there is little to no threat to your safety. On a motorcycle we do not have that luxury. We are always at risk with other vehicles. Sometimes they even cross there double yellow line and come into your lane. If you don’t corner properly on a motorcycle you could crash into a guardrail or go off a mountain. Either way, that is what we call a single vehicle accident, and it is ALWAYS your fault. These single vehicle accidents are also the main reason for fatalities. Speed really separates riding a motorcycle from a bicycle, but technique is the same. Also, both vehicles require you to look ahead to where you want to go. Looking down at the ground is not good and you will end up on the ground because you go where you look. Turning is also the same. When you turn either machine, you press on the handlebar or handgrip in the direction that you want to go. Look left, press left, go left. Both machines have brakes and gears. They are just in different spots, which you would get familiar with. Both should be operated safely and legally, and proper gear such as a helmet should be worn, although helmet laws vary from state to state. The difference in turning and cornering is that cornering is done at speeds higher than 10mph.
The main thing is to have fun and be safe riding either type of vehicle. The only way to do that on a motorcycle is to take the safety class. We discuss this as well as many other things that you might not realize. Transitioning to a motorcycle is usually not hard if you ride a bicycle on a regular basis. The bottom line is, if you want to ride a motorcycle and do not know how to ride a bicycle I suggest you ask a kid in your neighborhood to teach you to ride the bicycle. Kids are good at that!
I hope to see you in a safety class to learn the proper techniques to ride safely.