6 Winter Riding Tips that Restrain You from Claiming Bike Insurance

Winter is the season for bike riders. Riding your bike in the winters gives another level of thrill. When the temperature plunges down, it spikes up the biking adventures making the enthusiasts tempted to give it a whirl. Many plans road trips on bike to enjoy the cold weather, especially to the mountains.

Read more
  • Save up to 85% by comparing plans
    Save up to 85%# by comparing plans
  • 20+ Insurers to choose from
    20+ Insurers to choose from
  • 1.2 Crore+ Bike Insured
    1.2 Crore+ Bike Insured
Two Wheeler Top Fold Kapil Sharma Image
No paperwork required! Renew insurance in 60 seconds^

Plans starting at only @ ₹1.3/day*

Enter bike number (e.g DL1SB1234)
Processing

But what if things don’t go as planned?

What if a bitter weather condition spoils all your thrills and excitement?

Do you have any back-up?

No!

And it’s not always good to claim your two wheeler insurance for every small damage.

What is the solution then?

We guess, some winter riding tips will go in the long run in keeping you safe and sound while you spin the wheels in winters. Here you go!

Maintain the Speed

By slowing down the speed to normal, you can slow down the potential of an eventuality on roads. Bikers are always in hurry; well that’s the part of the overall fun. But you shouldn’t welcome a threat due to this. Specially in winters roads remain wet, thus, the chance of bike skit is higher. By maintain the speed you can avoid a damage. And most importantly you’re safe from claiming your third party bike insurance.

Wear Riding Gears

These are the essentials to keep your body specially the hands warm during the extreme season. These gears include warm jacket, gloves, trouser, thermal tops etc. Also, ensure that neck, ankle or sleeves are well covered as wind can get in. A neck warmer is always a good choice in the winters.

Check the Machine Before Kick-start the Keys

It is prudent to check your bike well before taking her on the roads, especially if you’re riding during the winter season. Look out for the air pressure, clutch, oil tank etc. To maintain a good fuel efficiency, the overall condition of the bike needs to be checked on regular intervals.

Maintain Distance from the Others

As the visibility goes to zero during winters it’s better to maintain a safe distance from the other vehicles on roads. This will minimize the possibilities of a bike collision. Also, by keeping a distance you’ll get enough time to apply the brakes gradually in a greasy road whenever is required.

Are Your Bike Tires Strong Enough!

A properly pressured tire helps in riding the vehicle with comfort and gives a spike to the mileage covered. The decreased temperature causes the tire air pressure to drop, eventually leads to PSI down in both the tires. It is well checked before you ride the bike. If the air pressure is not in the required level, get it done right away.

Towering Services

Make sure you’re aware of the towering services in the area. These services in case of an accident. If you are travelling, manage to get some contacts from the locals.

Well, these are few of the many tips you can consider while riding during winters. But what if despite following all the safety tips, still you meet with an accident?

What if a collision leads to heavy third-party liabilities on you?

Fret not! You surely have two wheeler insurance policy with you!

How Bike Insurance Helps in Covering the Damages?

A two wheeler insurance policy is mandatory in India. These policies come with comprehensive yet affordable coverage that includes loss or damages due to accidents, third party liabilities, damages due to man-made and natural calamities such as theft, burglary, flood, earthquake, strike, riot etc. Apart from the basic benefits online two wheeler insurance offers comparison benefit that helps in save on the premiums. The insurance provider covers the repair expenses where the claims can be registered as cashless or reimbursement category.

You May like To Read: Safety Tips to Secure Your Two-Wheeler This Winter with Insurance

Although, two wheeler insurance works as a back-up in case of an adversity like accidents, it is always recommended not to claim your insurance for small damages.

Here’s why!

Earn NCB: By not claiming your insurance, you can earn an alluring benefit called No Claim Bonus. NCB is a reward for not claiming your insurance in a policy tenure. The percentage of NCB starts from 5% and can go up to 100% depending on the number of claim-free year. The bonus is offered as a form of an increase in the SI amount or reduction of the premium on renewals.

Final Word!

No doubt riding in the winter season gives the ultimate adrenal rush. Hence, the fun element shouldn’t be spoiled by an external interference. You should be well prepared, geared up with safety measures to avoid a pose in the journey. Also, keep the traffic rules of the other places in mind and adhere to them to avoid a penalty. Last but not the least, always carry those important documents that work as a financial back-up to you. Yes, your bike insurance papers!

Search
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Two Wheeler insurance articles

Recent Articles
Popular Articles
PUC Certificate Test Costs in Delhi May Rise Due to Inflation

20 Jun 2024

According to the Transport Department, all the vehicle owners in
Read more
Common Problems Faced by Bike Owners and Their Solutions

10 Jun 2024

As a motorcycle owner, you might face various problems that
Read more
10 Best Bikes for Long Rides in India 2024

07 May 2024

Are you the one who want to cruise through the winding roads of
Read more
MCWG Driving License in India

01 May 2024

To regulate and ensure safe operation, every motorbike owner in
Read more
9 Tips to Maintain Your Bike's Engine

22 Apr 2024

Since the engine is your bike's heart, it is essential to keep
Read more
Three Easy Ways to Check Bike Insurance Expiry Date Online
As significant as it is to buy a bike insurance policy for your motorbike, it is equally important to renew it
Read more
How to Check Bike Owner Details by Registration Number?
In a world full of different types of two-wheelers, each one has its unique identity enclosed in its registration
Read more
Vehicle Owner Details by Registration Number
Vehicle owner details can come in handy in various situations, such as road accidents, cases of reckless driving
Read more
10 Best Bikes for Long Rides in India 2024
Are you the one who want to cruise through the winding roads of the Himalayas or explore the beautiful coastline
Read more
How to Get Bike Insurance Details by Registration Number?
According to the IRDA, all bike owners must hold at least a third-party bike insurance policy in India. The bike
Read more

^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.

#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*Rs 457/- per annum (1.3/day) is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable on an annual basis