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.

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 two wheeler 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!

Written By: PolicyBazaar - Updated: 30 December 2020
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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