• Things You Should Know Before Modifying Your Two-Wheeler

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    A vast majority of motorcycle enthusiasts want their bike to look and sound like the Harley Davidsons, Suzuki Hayabusas, and the Yamaha R1s. To rebuild the bike in their own image, they resort to various forms of modification.

    While some people don’t go through with it for reasons of their own, others expend all their resources to make it happen. If you are one of those who is hell bent on modifying your two wheeler, pause for a few minutes and read through this page because modifications can have an impact on the bike’s existing insurance policy . Besides, certain modifications can even void your policy. In this page you will learn all about the impact of different alterations on your insurance.

    Performance Modification:

    A performance modification is anything that enhances the performance of your two-wheeler with regards to its speed and handling. Usually, insurance companies have a rule wherein they void a policy if an individual goes through with an alteration that affects their bike’s performance. This is largely because insurers believe that when you enhance the speed or handling aspects of your bike, you are ceasing control of optimum engineering factors, putting yourself at risk.

    They basically consider that a change in speed and handling will increase the odds of them having to pay for any accidents. In such cases, insurers either increase the premium or scrap the policy altogether to cut their risk after carefully evaluating all the factors involved.

    Security Modification:

    A security modification is something that increases the security aspect of your vehicle, which could involve installing anti-theft devices. Such modifications reduce the risk of the insurer having to pay you as your vehicle has a slightly smaller chance of getting stolen. Once the risk reduces, you are more likely to get a lower premium offering.

    Aesthetic Modification:

    Aesthetic modification is basically something that changes the visual appeal of a bike. Insurers increase the premiums in such cases because they believe a better looking bike runs a higher chance of getting stolen. One thing worth noting before going for such modification is that the actual value of the bike will remain the same irrespective of the money you pump into it. If you don’t mind paying a few extra bucks as premium by changing the appearance of your bike, you can go ahead with it.

    A two-wheeler modification, while improving the overall appearance and performance of your bike, will also compromise its integrity. If you really want to go through with it, keep a tab on all the risks involved and make sure to work only with experienced individuals.

    Things You Should Know Before Modifying Your Two-Wheeler Reviews

  • Page 1 of 50 1 2 3 4 5
    • ICICI Lombard Two Wheeler Insurance
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a two wheeler insurance policy from the top most private sector insurance company ICICI LOMBARD GENERAL INSURANCE. My annual premium is very reasonable by comparing with other insurance products which is 1900/-. . I can prefer online to renew my two wheeler insurance policy with in the due date. I had bought this two wheeler insurance policy along with my vehicle.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 18, 2018
    • New India Two Wheeler Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      I have my two wheeler insured with New India Assurance 1 year back, i am happy with the coverage value of this insurance policy. I did not claim anything so far from this insurance policy. A premium of Rs 1200 has to be paid for this two wheeler insurance.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 18, 2018
    • Liberty Videocon Two Wheeler Insurance
      "better experience"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the public sector insurance company LIBERTY VIDEOCON GENERAL INSURANCE. My annual premium amount is quite high by comparing with other premiums. I did not received my policy document by mail and hard copy too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • HDFC Ergo Two Wheeler Insurance
      "best policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a two wheeler insurance policy from the public sector insurance company HDFC ERGO GENERAL INSURANCE. My annual premium amount is Rs. 4000/- which is very reasonable by comparing with other premiums. I had received my policy document by mail.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • National Insurance Two Wheeler Insurance
      "best policy"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the public sector insurance company NATIONAL INSURANCE. My annual premium amount is Rs. 1600/- which is very reasonable by comparing with other premiums. I had received my policy document by mail.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • ICICI Lombard Two Wheeler Insurance
      "good policy"
      0.5 4.0/5 "Great!"
      I had taken a two wheeler insurance policy from the top most private sector insurance company ICICI LOMBARD GENERAL INSURANCE. My annual premium amount is very reasonable by comparing with other premiums. I had received my policy document to my registered communication address.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Average service"
      0.5 2.0/5 "Expected more"
      I have got the two wheeler insurance policy from the IFFCO TOKIO around 2 years ago. I have paid Rs, 1800 to get this policy from the Iffco tokio and this policy has the tenure of 2years. The customer support service and the response is good here, and they won't give the intimations to renew the policy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with IFFCO TOKYO from last 4-5 years, i do not have claim experience so far with this insurance policy. A premium of Rs 1200-1500 has to be paid for this insurance and i am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have recently taken a two wheeler insurance with Bharti Axa general insurance 6 months back. The coverage value of this insurance policy is 50% which is satisfactory. I have not claimed anything so far from this insurance and i pay a premium of Rs 1100 for this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • National Insurance Two Wheeler Insurance
      "Not satisfied"
      0.5 2.5/5 "Just OK"
      I have my two wheeler insured with National insurance from last 1 year, I am not satisfied with the coverage value of this insurance. I had a claim experience but they covered only 70-80%. A premium of Rs 1300 has to be paid every year for this insurance policy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 17, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with IFFCO TOKYO from more than 5 years, the coverage value of this insurance policy is satisfactory. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 1000 every year for this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "better experience"
      0.5 3.0/5 "Satisfactory"
      I had taken a two wheeler insurance policy for my vehicle from the top most insurance company BHARTI AXA GENERAL INSURANCE. I didn't received my policy document. The customer support is not up to mark. My annual premium is very reasonable by comparing with other premiums.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Reliance General Two Wheeler Insurance
      "good policy"
      0.5 3.0/5 "Satisfactory"
      I had taken a Two insurance policy from the RELIANCE GENERAL INSURANCE. My annual premium is Rs, 1000/- which is very reasonable by comparing other premiums. I had received policy hard copy document by registered post. I dint have any claim experience so i am unable to comment on it.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Average policy to use"
      0.5 3.0/5 "Satisfactory"
      The HDFC ergo has given me the two wheeler insurance policy, and I renew the policy for the past 4 years. The customer support service is not giving the intimations to renew the policy on time. I don't have any claim experience with this HDFC ergo two wheeler insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2018
    • ICICI Lombard Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I got the two wheeler Insurance policy from the ICICI LOMBARD GENERAL INSURANCE last year. The customer support service is good with the ICICI Lombard ,because they give good response to the customers. I have paid Rs,1500 to renew the policy last time.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2018
    • New India Two Wheeler Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      Renewing the two wheeler insurance policy from the New India assurance company and I renew it for the 4th time. I don't have any claim experience from this new India assurance two wheeler insurance policy , but I would say the policy is better to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance with HDFC ERGO from last 6 years, the coverage value of this insurance policy is satisfactory. I have not claimed anything so far with this insurance policy. A premium of Rs 1600 has to be paid for this insurance policy every year.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • Magma HDI Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with Magma insurance from last 1 year, a premium of Rs 1600 has to be paid every year for this insurance policy. I have not taken any claim experience so far with this insurance and i am satisfied with the coverage value of this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • Iffco Tokio Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have recently taken a two wheeler insurance from IFFCO TOKYO 1 month back, i am happy with the coverage value of this insurance and i have not claimed anything so far from this insuranc. I pay a premium of Rs 1200 for this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO 9-10 years, it is one of the good insurance policy to use. I have not claimed anything so far with this insurance and the coverage value of this insurance is 60-70% and i pay a premium of Rs 1200-1500.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 16, 2018
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