Insurance is like a spare tyre. You may not require it, but not having one is not an option.
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    With insurance being mandatory for all two wheelers, shopping for the perfect policy that meets all their needs and also doesn’t break the bank premium-wise is at the top of a bike/scooter owner’s mind.

    After looking at insurance policies and reading the fine print to narrow down on the one that suits a customer’s needs, he/she will have to also consider how to pay for the policy.

    Insurance companies have come to the rescue through two wheeler insurance premium calculators, which allow customers to ascertain the amount they would have to pay towards the insurance premium.

    Insurance premiums have been on the upswing and get more expensive with each passing year, making this a very handy and helpful tool.

    Premium calculators also allow the customer to get multiple quotes, enabling him to make an informed choice taking into account the cost of the policy as well as its features.

    Two wheeler Insurance premium calculator operates on a simple premise, where certain information is to be inputted, based on which the calculator will display the premium cost.

    A number of insurance companies have online premium calculators, making it easy for customers to access this information wherever they are.

    A premium calculator will require the following information:

    • Make and variant of the two wheeler.
    • Existing policy information (if already insured).
    • Vehicle registration number.
    • Type of policy (liability only/comprehensive).

    Based on the above, the calculator will generate a quote as per the information provided.

    It is to be noted that in case of riders being added to the policy, the premium amount will increase commensurate to the rider premium to be paid.

    When looking for a bike insurance plan, the premium amount is something that most customers base their purchase on. Insurance companies issue premium quotes for liability only as well as comprehensive insurance policies. Certain factors play a key role in the calculation of the final quote and insurance premium to be paid. Given below are the 5 major factors affecting two wheeler insurance that insurance companies take into account when calculating a premium quote:

    • Vehicle type: the two wheeler vehicle type is measured by its cubic capacity (cc). Two wheelers are classified into 3 categories with regard to the cubic capacity of a vehicle- 0-150 cc, 150-350 cc and above 350 cc. The higher the two wheeler’s cc, the higher the premium to be paid.
    • Geographical area: premium rates are governed by geographical area, with certain areas like metro cities attracting a higher premium. Living or working in an area prone to theft and vandalism would also result in a higher premium.
    • Type of coverage: the coverage being opted for also determines the premium amount, with liability only (or third party insurance) being relatively cheaper than comprehensive insurance.
    • Applicant demographics: some insurance companies look at the applicant’s age, gender and marital status when calculating premium, on the understanding that a middle-aged applicant is less likely to be a speed demon and would possess better riding skills, thereby resulting in lower risk for the insurer.
    • Past insurance record and history: applicable in case of a policy renewal, the past insurance record and riding history such as accidents, number of insurance claims etc. are considered at the time of premium calculation.

    Owning a two wheeler in India requires one to buy insurance for the vehicle. Most two wheeler insurance policies are for a 1 year period, meaning owners have to renew premiums each year. With the rising cost of premiums, this results in a significant dent in finances.

    Shopping for a good two wheeler insurance policy that offers the requisite amount of coverage and is affordable is not always easy, but there are ways to get the cover required without having to pay a hefty sum for it.

    Given below are some ways to reduce bike insurance premium without sacrificing on the insurance coverage:

    Ensure a clean riding record: the safer the rider, the lower the premium. Insurers prefer riders who are less likely to make a claim or be involved in an accident. No insurer wants to keep paying for damages due to collisions or accidents and companies reward customers who have maintained a clean riding record with lower premiums.

    Riding association: members of riding associations enjoy additional discounts on insurance premiums by virtue of their memberships, with some insurers waiving off up to 5% of the premium amount.

    Enhance vehicle’s security: protecting the insured vehicle against theft and burglary results in a lowering of the premium amount payable as there is a lesser likelihood of the vehicle being stolen or vandalised. Invest in ARAI-approved security features to be eligible for lower insurance premiums.

    Avoid small claims: scratched the paintwork or dented the metalwork? Avoid filing a claim for such repairs as insurers pay big rewards to customers who do not file a claim during the policy tenure. Minor repair work can be funded by the owner, thus increasing the chances of receiving a discount on the next year’s premium through No Claim Bonus.

    One-time payment: paying the premium amount in full at the time of buying the policy could result in savings. Some insurers charge a lower amount if customers pay the entire premium amount at one go instead of opting to pay in instalments.

    Bundle policies: insurers are more likely to provide a discount if customers buy more than one policy from them. If possible, explore other insurance options from the same insurer such as auto insurance, home insurance etc. to avail a discount on the premium amount.

    Having bought a two wheeler insurance policy, two wheeler owners have to ensure they renew the policies regularly to avoid penalties or fines. Most two wheeler insurance policies are renewable annually, meaning vehicle owners have to keep track of policies and renew them before they lapse. You can also renew lapsed two wheeler insurance policy.

    Nowadays, multi-year two wheeler insurance policies are also gaining in popularity, with policy tenures of up to 3 years. You can opt for long term two wheeler insurance policy.

    In both cases, though, the policy has to be renewed or a fresh policy has to be purchased from another insurer.

    The hassle of long queues or spending half the day at the insurance company’s office with a large sheaf of documents is a thing of the past now.

    With online transactions becoming the norm nowadays, insurance companies too have streamlined their processes, allowing customers to buy and renew insurance products online.

    Most insurance companies offer online renewal of two wheeler insurance policies, with many also setting reminders so customers do not miss renewal deadlines, which could cause them inconvenience.

    Two wheeler insurance renewal online can be done in a few minutes, and is a quick and efficient way to stay insured. Customers have to merely log in to their insurance company’s website and initiate the renewal process.

    Customers can opt to change their coverage type as well, depending on their coverage requirements.

    Information such as the existing policy number, policy type, vehicle registration number and owner details would have to be provided for verification and authentication purposes.

    Once the policy has been selected, the premium can be paid through net banking, debit/credit card.

    Once the payment has been realised, an acknowledgement will be sent to the customer within a matter of minutes.

    The new policy can also be saved/downloaded or printed, providing the owner a ready reference to the terms, if required.

    An additional hard copy will also be mailed to the policyholder by the insurance company.

    Policy Coverage Two Wheeler Insurance
    Personal Accident Cover Yes
    Third party liability Yes
    Damage/loss due to natural calamities Yes
    Damage/loss due to man-made reasons Yes
    Damage/loss due to driver being intoxicated No
    Damage to tyres and tubes No
    Regular wear and tear No
    Depreciation or consequential loss No
    Damage/injury caused by rider without a valid license No
    Damage/loss due to war, mutiny, nuclear energy causes No

    A good insurance policy is an effective shield against the uncertainties of life. A good 2 wheeler insurance is solid protection against a number of unexpected events that negatively impact your bike or scooter. What are these ‘events’ against which your vehicle holds protective coverage?

    The primary list is as follows-

    • Damage or Loss of Vehicle due to Natural Reasons- These include fire, self-ignition, lightning, flood, cyclone, landslide, earthquake, frost, inundation, etc.
    • Damage or Loss of Vehicle due to Man-made Reasons- These include theft, riot, strike, terrorist activity, malicious acts, damage caused when transported by road, rail, elevator, etc.
    • Personal Accident Cover- The applicable conditions include injuries caused when driving, travelling on, mounting and/or dismounting from the 2 wheeler. The coverage amount ranges upto Rs.1 lakh. Also, this cover is available to co-passengers as an option.
    • Third Party Liability- This coverage applies in cases wherein your two wheeler was involved in or caused an accident that resulted in the injury, death and/or damage to third party. This coverage isn’t applicable to you, but the unfortunate victim of an accident that involves your two wheeler.

    The following conditions aren’t usually covered as per the bike insurance coverage:

    Kindly note that this is a generalized list, and banks in their own capacity can impose additional exclusions.

    • Depreciation or any consequential loss.
    • Breakdown of the mechanical or electrical nature.
    • Normal wear and tear due to normal usage and ageing of the vehicle.
    • 2 Wheeler being used in ways that violates the terms set in the limitations as to use.
    • Injury to driver and/or damage to vehicle when driven without a valid license.

    When looking for insurance cover for two wheelers, customers can choose between liability only and comprehensive cover. So what is the difference between the two types of cover, and which of the two is better suited to provide protection? The type of insurance would depend on the individual buyer and his needs.

    • Liability Only Policy: a liability only policy would provide basic protection that is mandated by law. This protection extends only to the third party and will cover the cost of any damage, partial or permanent that could arise due to an accident on incident involving the insured two wheeler.

    Liability only policies also offer personal accident cover for the owner up to a fixed amount in the event of an accident leading to a partial or total disability or resulting in the owner’s death.

    However, in the case of any damage to the insured vehicle, the insurance company is not liable to pay for any repairs or cover any costs associated with the vehicle.

    • Comprehensive Policy: on the other hand, a comprehensive policy provides protection in the event of any damage done to the vehicle as a result of an accident, natural or man-made calamity as defined in the policy document.

    A comprehensive insurance policy also provides insurance coverage to the owner and co-rider in case of partial or total disability or death.

    Comprehensive insurance policies cover minor as well as major damage to the vehicle due to unforeseen circumstances as well as total loss of the two wheeler due to the circumstances covered in the policy document.

    Thus, a liability only policy provides financial protection in case of injury or damage to a third party or the third party’s property while a comprehensive insurance policy covers everything from repairs to personal accident coverage for the owner.

    Compare and Choose Best Two Wheeler Insurance Policy

    With no dearth of two wheeler insurance policies from which to choose from, a vehicle owner could end up swimming in policy terms and benefits for days on end while trying to research the perfect policy. Given below is a representative list of some of the more popular and benefit-rich best two wheeler insurance policies currently available.

    Bajaj Allianz: Bajaj Allianz offer customers comprehensive coverage at an affordable cost. Customers can opt for an annual policy or a 3 year policy. Customers can enjoy instant claims assistance and a transfer of up to 50% of the No Claim Bonus from any other insurer as well as a hassle-free and smooth claims service.

    Tata AIG: one of the largest insurers in India, Tata AIG offers customers free vehicle pick up in the event of an accident and provides a 6 month guarantee for accident repairs done at their network garages. Additionally, they assure 7 day claim settlement as well as provide complete protection in case of natural or man-made calamities.

    ICICI Lombard: with over 2,900 partner garages across India, ICICI Lombard assures customers of service no matter where they are. The company provides premium discounts to Automobile Association members and policy tenures up to 3 years. With a number of add-on covers at a nominal additional charge, ensure rider and vehicle safety.

    New India Assurance: with a high claim settlement ratio and a large partner garage network, New India Assurance guarantees quick claim settlement and an array of add-on covers to keep both vehicle and rider safe and secure.

    Buying two wheeler insurance used to consist of visiting various insurance companies and submitting scores of documents to get quotes and finally comparing the quotes and repeating the process to purchase a policy. However this is a thing of the past thanks to online insurance.

    Insurance companies now offer two wheeler insurance policies online at the tap of a few buttons with the entire process being facilitated online. Thus, customers can look up policy types, scan through each policy’s features and benefits, submit their documents as well as pay for the policy all from the comfort of their home. Buying a fresh policy can be done by entering the relevant information such as the vehicle registration number, owner’s details and any other information required by the insurer. The premium payable will be reflected on screen and the customer will be provided an option to choose the policy type and any add-on covers, if desired.

    On selection, the required documentation can be uploaded or will be collected from the customer’s place of residence/work and processed and the policy can be purchased hassle-free.

    Buying a bike insurance policy online has a number of advantages attached to it, as given below:

    • Convenience: customers can look for policies whenever and wherever they are at their convenience.
    • Accessibility: with insurance companies putting up all policy related documentation online, customers can go through the policy minutiae at their leisure and make an informed choice.
    • Ease of use: online policies are simple to buy, with insurers outlining the buying process in simple and easy-to-follow steps.
    • Ease of purchase: customers can pay for their policy or policy renewal online through net banking, credit or debit card, making it an instant payment.
    • Secure: the online insurance purchase process is safe and secure, with companies providing a secure payment gateway and encryption to ensure the complete security of any online transaction made.
    • Assistance: insurance companies offer online assistance through customer service and live chat to customers who might have any queries regarding the insurance purchase or policy.

    In the event that the policyholder meets with an accident or wishes to file a claim, there is a set process which is to be followed.

    A claim is an intimation sent to the insurer notifying them of an accident, injury or activity that involves the insured vehicle for which the insurer is to extend financial support to cover.

    Insurance companies have outlined the claim process in simple, easy-to-follow steps to ensure policyholders can file their claims in a convenient and hassle-free manner. Insurance companies have also speeded up the claims process so customers are not left languishing waiting for a decision on their claim.

    Claims can be filed for accidents, breakdown/mechanical failure or damage to the vehicle provided it is covered under the policy.

    The claims process consists of the following:

    • Reporting of the claim to the insurance company.
    • Filing of the claim form and documentation related to the claim.
    • Verification and processing of the claim form.
    • Approval and release of payment.

    When filing a claim, the customer is required to follow the steps mentioned below:

    • In case of theft, an FIR is to be filed detailing the extent of the theft (parts, cost etc.)
    • In the event of an accident involving the insured vehicle, the owner is required to call the 24X7 customer support number provided by the insurer.
    • The accident is to be reported and any injured parties or property damage is to be noted as details of the same have to be shared with the insurer.
    • The customer service executive will note down relevant information and provide a tracking number, which is to be used when filing the claim. In case of damage to the vehicle, information on network garages/hospitals will be provided.
    • In the event of property damage/injury to a third party due to the insured vehicle, an FIR is to be filed at the nearest police station.
    • The insurer will then contact the owner of the vehicle and notify him/her of the procedure.
    • A verification call will be made and any additional information regarding the incident is to be relayed.
    • A claim form (available online/at the insurer’s branches) is to be filled in mentioning details of the incident with documentation attached.
    • Documents in the form of the vehicle’s registration certificate, the rider’s driving licence, an FIR copy (if applicable) are to be submitted along with the claim form.
    • If a third party has registered a complaint, documents pertaining to the complaint such as a legal notice are to be submitted as well.
    • An expert from the insurance company will perform an assessment and the claim will be approved based on this assessment.
    • Following verification, the insurance company will process the claim and release payment for the repairs directly to the garage and any other expenses arising out the accident to the relevant parties.
    1. How can I check the status of my two wheeler insurance policy?

      The status of a two wheeler insurance policy can be checked through the website of the insurance company or by contacting a branch and providing details such as the policy number, policyholder’s name etc.

    2. What is the fine for riding without valid two wheeler insurance?

      Using an uninsured two wheeler or one whose insurance has lapsed will result in a fine of Rs.1,000.

    3. What is the validity of a two wheeler insurance policy?

      A two wheeler insurance policy is valid for 1 year, 2 years or 3 years depending on the tenure of the selected policy.

    4. How to renew expired two wheeler insurance?

      Expired two wheeler insurance can be renewed by choosing a two wheeler insurance policy, having the vehicle inspected, filling the form and paying the requisite premium.

    5. Can I buy a 2 wheeler insurance policy for a vehicle that doesn’t belong to me?

      Yes. Anyone can buy a two wheeler insurance online, or from an offline source, for a vehicle that may not necessarily be their own.

    6. Are modified 2 wheelers eligible for such insurance policies?

      When it comes to modified 2 wheelers, the 2 wheeler insurance only applies to vehicles that have been modified for use by handicapped individuals. In such instances, a discount of 50% is applicable on the own-damage premiums, as offered by many Indian insurers.

    7. What are the factors that impact the applicable 2 wheeler insurance premium amounts?
      • Type of 2 wheeler
      • Age of the vehicle
      • City where registered
      • Coverage period (when <12 months)
      • Any applicable discounts
    8. When must I report an accident to the police?

      Incidents that resulted in third party property damage, bodily injury to self, bodily injury or death of third party and theft must be reported to the nearest police station and an FIR generated. This document will be crucial in the ensuing claim process.

    9. If I have to take a two wheeler insurance policy, what documents will i be required to submit?

      If you wish to buy a two wheeler policy online, there is only minimum documentation which you are required to provide. You will be required to provide the details of your previous two wheeler insurance policy, the Registration Certificate details of your vehicle.

    10. What do you mean by a No Claim Bonus (NCB)?

      An insurance policy holder, you are entitled to a No Claim Bonus (NCB) only at the time of renewal of your policy, after it has expired following a full 12 month period. In case you have not made any claims on your policy while it was active, you are entitled to a No Claim Bonus, which will be provided to you based on a pre-determined tariff. You can earn a No Claim Bonus on the Own Damage section of your policy which covers all classes of vehicles. NCB is not applicable on Motor Trade Policies which cover road transit risks, road risks, and internal risks. Also, it is not applicable on motor policies which only provide cover against fire or theft related risks.

    11. Can I get a copy of my TWI policy online? If yes, will that soft copy of the policy serve as a valid / original insurance document?

      Many insurance providers now allow customers to apply and generate a policy online. If you have applied for your policy online, you can easily log on to the insurance provider's website and click on your profile. Here, a soft copy of your insurance policy will be available which will also serve as a valid policy document.

    12. What are the various scenarios / circumstances under which I can make a Personal Accident Claim?

      A policy holder can generally make a Personal Accident Claim only if the policy is in their (policy holder's) name, making the policy holder the registered owner of the vehicle and has a paid driver / unnamed passenger / owner-driver Cover.

    13. What are some of the primary factors which will affect or help reduce my Two Wheeler Insurance premium?

      Some of the common factors which canaffect or reduce your two wheeler policy premium are:

      • Add-on covers taken over the policy
      • Whether you have taken a Comprehensive Cover or Third Party Cover
      • Vehicle's Cubic Capacity (CC)
      • Vehicle Model type
      • Place of Registration (Zone A / Zone B)
      • Age of the vehicle
      • Insured Declared Value (IDV) i.e. the present market value of the vehicle.
    14. What do you mean by Cashless and Non-­cashless / Reimbursement claim?

      A Cashless Claim does not involve any physical exchange of cash during claim settlement. The insurance company directly pays the garage (if it is under the insurer's garage network) for the charges involved in the repair of the vehicle.

      A Non-Cashless / Reimbursement Claim is one where the policy holder has chosen a garage which is not part of the insurer's listed network of garages. Here, the policy holder will be required to make bear the cost of repairs done to the vehicle, which will be later re-imbursed to the policy holder by the insurance provider, on submission of the original receipts or bills.

    15. I have purchased accessories for my vehicle while my policy is underway. Can I get these accessories insured between the ongoing policy term?

      Yes, insurance providers usually allow policy holders to obtain additional cover for any accessories which may have been fitted later on. All you need to do is send your insurance provider a written request for the same and also share the details of the accessories which you have gotten fitted. Cover for accessories is likely to add to your existing premium cost.

    16. What is meant by Total Constructive Loss in Two Wheeler Insurance?

      In case of an accident where repairs to the vehicle cost more than the present value of the vehicle itself, such an event is termed as a Constructive Total Loss.

    17. Can I make a claim, for an event that has taken place during the term of the policy, after the policy has expired? Will the claim be valid?

      Yes, you will be eligible to make a claim even if your policy has expired, if the damage took place during the policy tenure.

    18. What do you mean by Nil Depreciation?

      Nil Depreciation is a special component of motor insurance policies wherein the cover entitles you to a full (100%) replacement on the parts of the vehicle which have undergone depreciation at the time of settlement of the claim. This does not include tyres and tubes. Nil Depreciation cover may be provided by the insurer only on select models of vehicles, with/without an age limit.

    19. Following an accident, my vehicle has not sustained any serious damage. What would I gain if I do not file for a claim in this case where the damages are not serious?

      If the damage sustained by your vehicle following an accident is minimal, it is advisable not to make a claim as it will help contribute towards obtaining a No Claim Bonus for a claim-free year. Further down the line, if you haven't made any claim on your insurance policy for a few years, it can reduce your insurance premium by half.

    20. How will my Two Wheeler policy be affected if I change my job or change my location?

      If you plan to move to another location or change your job, your insurance policy remains more or less unaffected. You will need to provide your insurance provider with the updated details regarding your job, address, contact details, etc. Also, another thing which might change is your insurance premium. Insurance premiums are determined, among other factors, on the basis of the zone of the vehicle. All major metro cities like Mumbai, Pune, Delhi, Hyderabad, Bangalore, Kolkata, Ahmedabad, and Chennai are categorized as Zone A cities. Rest of the cities are categorized under Zone B. So, in case you are moving from a Zone b city to a Zone A city, then your insurance premium is likely to increase.

    21. In 2 wheeler insurance terms, what is meant by electrical and non­electrical accessories in ? How is their value calculated?

      Electrical accessories may be defined as any accessories which are powered electronically. Electrical accessories which are not part of the vehicle's standard equipment and have been fitted additionally, can be easily covered by payment of an extra premium.

      Non-electrical accessories may include accessories like seat covers, foot rests, etc., which are not factory fitted. These can also be covered on the payment of an extra premium.

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    • 2018 TVS Apache RTR 180 to be launched in India

      TVS Motor Company is preparing to launch its most powerful bike, the TVS Apache RR2310S, in India. The company will also be introducing the Apache RTR 180 and the new gen Apache RTR 160.

      The new Apache RTR 180 will have a digital instrument console, clear lens tail lamps, and monoshock rear suspension. The bike is also expected to have standard drum and disk brakes at the front and rear portions. Additionally, there will be an optional Anti-Lock Braking System as well.

      The bike will be powered by a 177cc engine that generates power of 17.30 bhp and a torque of 15.50 Nm. A 5-speed gearbox will transmit the power to the rear wheels. The bike is available in two variants, i.e, Non-ABS and ABS.

      The new Apache RTR 180 could cost around Rs.82,000 for the non-ABS variant and Rs.95,000 for the ABS version. The mileage of the bike is around 45 kmpl on highways and 40 kmpl in the cities.

      24th July 2017

    • GST impact: Triumph Motorcycles revise charges; price drop in Mumbai, Ahmedabad

      Triumph Motorcycles has announced the new price list of its range of bikes post GST implementation.

      According to the report, Delhi has observed a hike in price of around 2.5%, i.e., between Rs.17,500 and Rs.41,000. In Bengaluru, prices have been marginally affected, with price rise between Rs.1,260 and Rs.7,980. Customers in Mumbai have gained from the GST regime, enjoying a drop in prices of up to 2.9%. This implies that the reduction in price ranges from Rs.21,400 to Rs.43,740. The market in Ahmedabad has benefited greatly from the GST implementation, as prices have reduced by up to 4.4%, i.e., between Rs.33,140 and Rs.72,380.

      These statistics are based on the ex-showroom cost of bikes. Customers will be expected to pay a lot more to get the bikes on road, as there has been a hike in RTO and insurance charges post GST.

      24th July 2017

    • New bikes to be showcased at the Auto Expo 2018

      While the Delhi Auto Expo in 2016 unveiled a collection of some of the most exciting bikes, several of those models are yet to be launched in India. However, bike manufacturers are already preparing for Delhi Auto Expo 2018 with a bunch of sleek bikes that you will not be able to take your eyes off from. Details of few of these new models are explained below:

      2018 TVS Apache RTR 160 - The bike will have clear lens taillamps, new exhaust canister, digital instrument console, and fuel tank. There will also be a monoshock rear suspension that will improve the bike handling. The Apache will additionally have a single seat layout. The engine generates a power of 15.2 bhp and torque of 13.1 Nm. The bike is expected to launch at the beginning of 2018 with price ranging from Rs.77,000 to Rs.80,000.

      Honda CBR300R - This bike is a bigger version of the CBR250R. It is designed based on the higher CBR models, but has a more aggressive and edgy look. The two-wheeler is powered by a 286cc, liquid-cooled, fuel injected, single cylinder engine that is coupled to a 6-speed gearbox. The engine produces a power output of 30.4 bhp and a torque of 27 Nm. The bike will be launched in 2018-19 at a price of Rs.2 lakh.

      Yamaha R15 V3.0 - This is a more fuel-efficient and powerful model of the bike. There are comprehensive changes made to the vehicle, such as new sharper headlamps, fuel tank contours, fairing, etc. The 155cc, liquid-cooled, single cylinder, fuel-injected engine works on SOHC technology. It is also coupled to a 6-speed gearbox. The engine creates 19.3 bhp of power and a torque of 14.7 Nm. The expected price of the bike is between Rs.1.25 lakh and Rs.1.30 lakh.

      20th July 2017

    • Do you need insurance cover for your bike if it is rarely used?

      The Motor Vehicles Act mandates that all two-wheelers on Indian roads are protected by a minimum of third-party liability insurance coverage. However, own-damage cover is not necessary.

      Since there have been several thefts and accidents involving two-wheelers in the country, it is wise to get your bike insured with a comprehensive two-wheeler insurance policy. A comprehensive cover would include third-party insurance as well as own-damage cover. This is irrespective of whether you ride it once in 6 months or on a daily basis.

      Once your bike is insured, you can use it without having to worry about the expenses incurred in the event of an accident/theft.

      19th July 2017

    • Hero and TVS announced the post GST prices

      Hero and TVS are few of the leading motorcycle makers in India who offer some of the most selling motorcycles in India. The impact of GST has resulted in the reduced price for their motorcycles which was announced recently. Both the manufacturers have reduced their motorcycle prices by up to Rs.4,000 that is certain to bring happiness to the new customers. Following the commencement of GST, Royal Enfield has also announced the discounted prices for their 350cc motorcycles, however, the prices for 500cc motorcycles have gone up.

      10th July 2017

    • Yamaha YZ450F can be tuned with a smartphone app

      The new dirt bike from Yamaha called the YZ450F gets an advanced wireless interface that enables riders to tune fuel and ignition mapping through a smartphone app. The YZ450F features a highly revised engine, better radiators, and an initiation system that is powered by a lightweight lithium-ion battery. The bike is equipped with a new mechatronics database that is controlled by a Wi-Fi enabled unit. The smartphone app Yamaha Power Tuner will let the riders tune the bike based on the riding conditions such as weather, roads, etc. The app works seamlessly and efficiently allowing the rider to make the most out of the app and the powerful bike. The rider can take advantage of this feature to be more competitive on the dirt track. The riders can also use the app to note maintenance period, determine engine running time, diagnostics, etc. that will provide a detailed overview of the bike’s performance.

      19th June 2017

    • Harley-Davidson turns a Street Rod 750 into a Drag Racer

      The Street Rod 750 from Harley-Davidson was modified which competed in the pro-stock motorcycle class. The Street Rod turned Drag Racer completed 500 meters in just 6.84 seconds. With a host of changes to the engine and the body, the bike is also equipped with specially designed wheelie bar and everything a drag bike needs to come out as a champion. Harley-Davidson has used CAD and various other sophisticated software to design the new chassis that minimizes the weight while ensuring enhanced control and better performance. The Street Rod turned Drag Racer 750 went through a series of tests and test ride before appearing for the pro-stock motorcycle class competition. It is a big achievement for the company considering the fact the bike has outperformed many other popular bikes. The Drag Racer were ridden by Andrew Hines and Eddie Krawiec in Old Bridge Township Raceway Park for the Summernationals. The company is also expecting to improve the performance of the motorcycles through innovative methods that require the latest technology.

      16th June 2017

    • Ducati Monster and Multistrada Launched in India

      Ducati India has just launched two new motorcycles, the Monster 797 and the Multistrada 950 are positioned as the entry-level offering from the Italian automaker. The Monster 797 is priced at around Rs.7.77 lakh and the Multistrada 950 is priced at around Rs.12.60 lakh (ex-showroom, Delhi). Both the motorcycles are introduced as entry level bikes and placed right under the Ducati Monster 821 and Monster 1200. The Monster 797 resembles the 821 except for few changes including a newly designed exhaust muffler, spoke alloy wheels, frame, and new LEDs. The 797cc engine is mated to a 6-speed gearbox and equipped with ABS system. The Ducati Multistrada 950’s design is inspired from the Multistrada 1200. With more of a sports tourer’s appeal, the 937cc liquid-cooled engine produces 115PS and 96 Nm of maximum torque. Additionally, the Multistrada 950 is equipped with the latest system that allows four different riding modes namely Touring, Sport, Enduro, and Urban. Multistrada 950 also offers ABS system and Ducati’s traction control feature. The Monster 797 is expected to complete other rivals in the street bike category while the Multistrada 950 has more of a sports tourer styling that will attract sports tourer’s enthusiast from all over India. Both the motorcycles will be competing against motorcycles from other market leading brands such as Triumph, Honda, Kawasaki, Suzuki, etc. Both the motorcycles will be brought to India from Thailand as CBUs as an entry level offering.

      16th June 2017

    • New two wheeler insurance policy launched by Universal Sompo

      Universal Sompo General Insurance Company announced the launch of its new two wheeler insurance policy for all the prospective and current two wheeler insurance customers. This particular insurance policy offered by Universal Compo will provide coverage to the insured against damages caused to third party property or third party vehicle as well as damage to self. Theft cover can also be availed by the policyholder under this particular insurance policy. This selling proposition of the organisation or this policy is the dual no claim bonus benefit that can be availed by the customers.

      15th June 2017

    • Soon-to-release Royal Enfield bike with the much talked about 750CC engine was seen being tested in Pune

      Royal Enfield is coming up with a twin-cylinder bike and it has been in the news for quite some time. The test mule of the Continental GT is attached with a parallel tin-engine that have been found in Europe and India. The yet-to-release Royal Enfield motorcycle was seen being tested in Pune. It is a possibility that the motorcycle has an ARAI (Automotive Research Association of India). It is being said that the brand new twin-cylinder engine will be equipped with a displacement of 750CC and will have the basic construction with the 350CC motor as found on the popular Royal Enfield Classic 350.

      The latest model of motor will also have an external oil-cooler similar to the Himalayan's power plant as liquid-cooling will hike up the price. The engine will have a 5-speed gearbox. Royal Enfield head, Siddharth Lal, had earlier informed that the new engine will not be limited to just one bike. The Himalayan, that uses a slightly different structure just like that of the Continental GT that is also attached to a 750cc mill. This can prove to be a good news for riders because Himalayan customers who thought that the current engine got exhausted on the open Himalayan and asked for more grunt.

      14th June 2017

    Two Wheeler Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • review Two Wheeler Insurance
      "Best policy to use"
      0.5 5.0/5 "Blown Away!"
      I use the Iffco tokio Two wheeler insurance policy for 4 years. I paid around Rs.1500 to renew the policy this year. The customer service is good with Iffco tokio, because they sent me the reminders on time to renew the policy. I never had any claim experience so far. The plan benefits and the coverage is good with this policy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 23, 2017
    • review Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 3.5/5 "Pretty good"
      It was a excellent service from NATIONAL.There is no dms in their service ,customer service and other representatives where very helpful during the process even they made the documentation part easy,so overall it was an good service from NATIONAL .
      Was this review helpful? 0
      , chandigarh
      Reviewed on Sep 23, 2017
    • review Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was a excellent service from ICICI ,I feel their premium was expensive . There is no dms in their service ,customer service and other representatives where very helpful during the process even they made the documentation part easy ,so overall it was an good service from ICICI .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 23, 2017
    • review Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was a excellent service from ICICI ,I feel their premium was expensive . There is no dms in their service ,customer service and other representatives where very helpful during the process even they made the documentation part easy ,so overall it was an good service from ICICI .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 23, 2017
    • review Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was an good service from RELIANCE regarding my insurance process ,their representatives where very helpful during the process . Even the documentation part was also good and I am paying 1400 yearly as an renewal amount ,overall no issue with their service it was good .
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 23, 2017
    • review Two Wheeler Insurance
      "Very Good"
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the Iffco tokio general insurance company and am using it from the last six years of time. Response is good one with them and their customer service is good one. Policy coverage value is also fine one with them.
      Was this review helpful? 0
      , kottayam
      Reviewed on Sep 22, 2017
    • review Two Wheeler Insurance
      "Cheap in price"
      0.5 3.0/5 "Satisfactory"
      I have two wheeler, which got insured with the United India Insurance company. The coverage value is up to the level of sufficient extent and I have got it because its mandate. The premium is around 3000 Rupees, which is really nominal.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 22, 2017
    • review Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I paid the yearly premium of Rs.1500, it has the tenure of one year, they gave me the policy coverage around 60,000. I have unicorn 160 bike worth Rs. 90,000. IFFCO TOKIO gives good cover for my Bike. Therefore I am quite satisfied with their coverage.
      Was this review helpful? 0
      , khammam
      Reviewed on Sep 21, 2017
    • review Two Wheeler Insurance
      "Good policy "
      0.5 4.0/5 "Great!"
      I hold the oriental two wheeler insurance policy for past 2 years. The customer service is average with Oriental insurance . The reminders will be given on Time to renew the policy within the due date. I paid Rs,1500 to renew the policy this year. The plan benefits and the coverage is good good with this policy.
      Was this review helpful? 0
      , kottayam
      Reviewed on Sep 21, 2017
    • review Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I hold the ICICI Lombard two wheeler insurance policy for past 4years. I paid around Rs.1000 to renew the policy this year. I don't have any claim experience so far with this policy. The policy coverage and the benefits are good with this policy. The proper reminders has been given by the ICICI customer service to re new the policy before the due date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2017
    • review Two Wheeler Insurance
      "Its Better"
      0.5 4.0/5 "Great!"
      I paid the premium around Rs.1350 for the bike insurance it has tenure of one year, before three months I had a bike accident, claim happened upto Rs.4000, they gave reimbursement of Rs.1400 remaining I spend for my bike. Their Customer service not providing proactive service they taken 14 days to reimburse the money.
      Was this review helpful? 0
      , kollam
      Reviewed on Sep 21, 2017
    • review Two Wheeler Insurance
      "Good policy "
      0.5 4.0/5 "Great!"
      I had experience with the two insurance policy with national insurance . I had a policy with national insurance around 2 years ago,There plan benefits and the coverage are good with this policy. They use to intimate the customer to renew the policy before 2months time. The customer service is good with national insurance company.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Sep 21, 2017
    • review Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      For past 2years I am maintaining the 2 wheeler insurance policy with HDFC ergo. The customer service is good with HDFC , because they give intimations to renew the policy on time. I paid Rs.1700 to renew the policy this year,. I never had any claim experience so far . The plan benefits and the policy coverage is good with HDFC ergo.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Sep 21, 2017
    • review Two Wheeler Insurance
      "Good"
      0.5 3.5/5 "Pretty good"
      I have insured my two wheeler with the National Insurance company and its the third party coverage because its very old vehicle. Customer service and other aspects are really good one for me with the National Insurance company.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 21, 2017
    • review Two Wheeler Insurance
      "Need to improve"
      0.5 2.0/5 "Expected more"
      I have two wheeler, which got insured with the Iffco tokio general insurance company. I would like to say that the premium value was a nominal one with the Iffco tokio general insurance company and I have not faced any claims with them till now.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 21, 2017
    • review Two Wheeler Insurance
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      I can say it was an good service from TATA AIG ,even the representatives and customer support where also very helpful and responsible ,even I have contact them much. I like their portal much even their interest rate was also good ,so overall it was an excellent service from TATA AIG.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • review Two Wheeler Insurance
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      In a year I pay the premium of Rs. 13,000 to Reliance for the two wheeler insurance, it has the tenure of one year. Each year they have depreciation value, their customer care is also good in servicing. I used to make the payment through online its good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • review Two Wheeler Insurance
      "AVERAGE SERVICE"
      0.5 2.0/5 "Expected more"
      It was a good service from BAJAJ ,but one month my transaction have been delayed so they blocked my card for 40 days I founded it an payed I am paying for 5 years there was no delay for the past years ,so I am very disappointed with their service they don't responding properly and they don't understand the customers situation.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 20, 2017
    • review Two Wheeler Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      I got the New India assurance 2 wheeler insurance policy around 2 months ago.The customer service is average with New India Assurance. I never had any claim experience with this policy so far. I paid Rs,900 towards this policy, The plan benefits and the coverage are good with this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 20, 2017
    • review Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Having a Bajaj Allianz 2 wheeler insurance policy for past 1 year. The customer service gives reminder to renew the policy before the due time,. They sent the messages mails and calls for reminders. I paid around Rs.900 to renew the policy this year,. I don't have a claim experience with this policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 20, 2017
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