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6 Winter Riding Tips That Can Help You Avoid Claiming Bike Insurance

14 July 2022, 12:16 AM

No bike enthusiast is oblivious to the thrill of an exhilarating ride in frosty weather. However, winter rides bring with them a fair share of dangers. The reduced visibility owing to the fog, smog, and mist in the air can increase the chances of collision with another vehicle.

Dependable bike insurance will save the day in such a situation. Every bike owner must buy two-wheeler insurance. You can compare the different policies and procure bike insurance online hassle-free. 

Nevertheless, insurance claim procedures and settlement can be lengthy based on the incident. Steer clear of the need to claim bike insurance this winter by bearing in mind these riding tips and enjoying your bike rides to the fullest. 

1. Ensure Comfort on Your Ride

The cold winter months are already a challenge to ride a bike, and you do not want to further complicate things for yourself by riding an uncomfortable bike. Make required adjustments to your handlebars, headlights, and seat before your trip. 

You may get used to riding your bike during the summers, which have very different conditions from a winter ride. Take all measures to enjoy your winter bike rides with the utmost comfort.

2. Mindful Speeding

You may feel tempted to touch high speeds during your winter rides, but this is not a feasible option. The dewy roads and icy conditions pose risks of accidents. Steer clear of extra speeding, especially down-road. It is better to be safe than sorry! 

3. Choose Your Riding Gear Wisely

It is imperative to use layers fully as two-wheeler rides expose you to the cold winds. Winter rides may sound fun and games, but if you do not choose the right gear and garments, a sudden drop in temperature can catch you off guard. Lack of proper layers like gloves, thermals, a warm jacket, etc, can affect your safety. Freezing fingers and shivers need to be at bay while riding a two-wheeler.

Wearing high-visibility clothes is also necessary when riding during winters. The mist and smog in the air can hamper visibility during winters, leading to accidents. 

If you are riding in an area prone to rainfall or snowfall, it is advisable to wear a waterproof outer layer. But mind you, too many layers can restrict your movement. Thus, it is wise to keep yourself warm but not at the expense of restricted movement. 

4. Know the Route

Being stranded without any help or nearby aid is a rider’s worst nightmare. Keeping a map of the route handy is a great idea. It helps you judge the road and stay aware of any sharp turns and cuts. Acquainting yourself with the road will also familiarise you with any spots should your GPS stop working. 

Instead of carrying a physical map, you can download a map app and refer to it whenever required. An acquainted route will also help you decide whether to ride on it or call it a day.

5. Regular Breaks and Safety Checks

Taking regular breaks throughout your journey is a wise decision. Stops not only give you a chance to rest but also help you inspect the condition of your ride. Checking the level of your fuel tank and the pressure of the tyres, chassis and lights is necessary. 

Riding at high speeds can also lead to the development of fog on your visor. It can obstruct your vision, posing a threat. Taking a break to clean up the covering is required. Using a visor or helmet with an anti-fog coating is a great idea. You can even get rid of visor fog by keeping it open and wearing a balaclava mask or scarf. 

6. Carry Necessary Tools

You never know what may come your way while riding on your bike. Thus, prepare yourself for every oddity. Before you start on your much-awaited journey, pay a visit to a mechanic and pick the necessary tools that you may require on your trip. Each ride is unique and needs special care and tools. Be mindful of your two-wheeler’s needs and carry things accordingly to avoid harassment throughout your ride. 


Racing on a bike trip may sound fun, but it comes with accidental risks. Protecting yourself from such perils is very important. However, despite taking umpteen precautions, accidents may still happen. Therefore, having comprehensive bike insurance handy is imperative.

Do renew your bike insurance in time to get strong backing in case of an accident. Failure to procure or renew insurance in time may jeopardise your health and savings.

Also read - 


1. What is covered under comprehensive two-wheeler insurance?

Comprehensive two-wheeler insurance covers all damages and losses caused to the insured vehicle. It covers any financial liabilities against a third party (if any). Comprehensive insurance also provides an accident cover to the owner of the insured vehicle.

2. How to claim insurance for bike damage in an accident?

Step 1- Contact your insurance company, after which it sends an inspector to look into the extent of the damages and evaluate. 

Step 2- Take your damaged bike to a nearby garage and get the repairs done. 

Step 3- Collect all bills and receipts. 

Step 4- If any third party is involved, file an FIR with the nearest police station and collect a copy.

Step 5- Submit all documents along with the insurance claim form, driver’s license, bills, receipts, etc, to claim insurance. 

3. What safety checks do you need to carry out during winters?

Checking your bike controls, handlebars, clutch and chassis is necessary. Running your engine a few times to warm it up before starting is also required when the weather is too cold.

4. How to care for the tyres of your two-wheeler?

The tyres of your two-wheeler require special attention in cold weather conditions. As the temperature drops, the pressure of the tyres also lowers. With every 10° drop, the pressure decreases by 1 to 2 PSIs. Therefore, keeping your tyres well inflated is a must.

5. What is third-party liability insurance?

A third-party liability or TPL insurance protects any third party that faces injury or damage in an accident with the policyholder. In other words, the policyholder is insured of any liabilities against a third party’s body or vehicle under third-party liability insurance.

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