Riding a 110cc bike or an EV scooter in India often feels like a test of patience and alertness. You face chaotic traffic, potholes, sudden honking, and unpredictable pedestrians every day. The constant worry about your safety and the risk of damage can weigh heavily on you. It is not just about getting from one place to another; it is about protecting yourself and your vehicle. Keep reading to know about the bike safety tips and guide to maximise your two-wheeler insurance.
Safety Tips for 110 CC Bikes and EV Scooters
When riding a bike or EV scooter, follow the tips below to avoid road accidents that not only injure you but also significantly damage your vehicle.
Always Wear a Quality Helmet
A helmet is your first line of defence in a crash. Wearing one is also mandatory under the Motor Vehicle Act, and not adhering to this rule results in a penalty of ₹1,000 or licence suspension for repeated offences. Invest in an ISI-certified helmet and make sure it fits your head perfectly. If you love riding on highways, especially at night, go for one that has reflective strips, as they help other drivers spot you at night or in bad weather.
Check Your Tyres Regularly
Tyres are your only contact with the road. Before going out for a ride, especially on longer rides or bike trips, take a glance at your tyres for cracks, punctures, or low pressure. If the tyres are under-inflated or worn out, they will reduce grip and increase the risk of slipping or losing control on wet or uneven roads.
Avoid Overloading
Every vehicle has a loading capacity that you must not exceed. For example, if you overload your 110 cc scooter or EV, the extra weight makes it harder to control your vehicle. The challenge will be greater when you ride on roads where you need to make sudden stops or take sharp turns.
If you are carrying items, use proper storage boxes or carriers to keep your hands free and distribute the weight evenly to avoid abrupt load shifting.
Maintain Safe Distance
In busy Indian traffic, vehicles often stop or change lanes abruptly. If you follow too closely, you won’t have enough time to brake safely, increasing crash risk. A good rule is to maintain at least a two-second gap from the vehicle in front. This distance gives you enough time to respond to sudden changes, potholes, or pedestrians crossing.
Safe Parking Area
Make a habit of parking your bike in designated parking zones or areas with security personnel. Strictly avoid crowded, uneven, or poorly lit spots just to save a few pennies on a dedicated parking space. Always use the side stand or centre stand firmly, checking stability before leaving your vehicle. Lock the handle and use anti-theft devices to prevent theft.
Avoid Riding When Fatigued
Your reaction time and decision-making drop sharply if you are stressed, tired, or under the influence of alcohol or medicine. If you feel sleepy, dizzy, or distracted, it is better to delay your ride or find an alternative mode of transportation. Even mild tiredness affects balance and awareness on two-wheelers. Prioritise rest and avoid substances that impair your senses before riding.
Insurance Tips for 110 CC Bikes and EV Scooters
If you want to maximise your coverage benefits for your 110 cc bike or EV scooter, consider the tips below:
Get Comprehensive Cover
Although the law requires you to have third-party liability cover, you must still secure comprehensive bike insurance. Unlike third-party cover, which only reimburses for the injury or property damage to other motorists or pedestrians, comprehensive insurance goes a step ahead to pay for damage sustained by the insured bike.
Maximise NCB Benefits
NCB stands for No Claim Bonus. Every time you complete a claim-free policy year, the insurer rewards you with an NCB percentage. For five consecutive claim-free years, you get up to a 50% NCB reward, which you can use to lower your policy premium at the time of renewal.
Add-on Cover
Add-ons or riders increase your base insurance with extra features like roadside assistance, zero depreciation, or engine protection. These add-ons cost extra but can be useful depending on your riding habits and risks. For example, if you travel long distances, roadside assistance can save you during breakdowns. If your bike is new, zero depreciation means claim settlement without factoring in the normal wear and tear of parts.
Understand Coverage
Knowing what your electric two-wheeler insurance policy does not cover is as important as knowing what it covers. Insurers usually exclude coverage if it is found that, at the time of the accident, you do not hold a valid licence, are under the influence of alcohol over the permissible limit, or your 110cc bike is driven by an unauthorised person, such as a minor.
Conclusion
Riding a 110 cc bike or an EV scooter comes with its own set of risks, making safety and insurance very important. Being careful on the road protects you from accidents and injuries, while having the right insurance helps cover unexpected repairs and replacement costs associated with your two-wheeler. Together, they give you peace of mind and financial support, letting you enjoy your ride with confidence.
Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.
