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Benefits of Getting Your Bike Insured For Winter Road Trip Ahead

By Vikas Chandra Das
02 August 2022, 1:54 PM

A long-distance trip can be very gratifying, but it can also be difficult and even dangerous if not planned well. Although planning often gets overlooked amid the excitement, you must take the required safety measures.

If you're planning a winter road trip, two-wheeler insurance can help should things begin to go south. Let's discuss the benefits of insuring your bike before a road trip. 

Read more - Checklist For a Long Road-trip on Your Two Wheeler!

Why is Bike Insurance Important?

According to the Motor Vehicles Act, 1988, you can drive a two-wheeler on the road only if it is covered with third-party insurance.  After a judicial process, the Motor Accidents Claims Tribunal may declare third-party compensation in cases requiring a settlement. It helps lessen the bike owner's potential financial responsibility for the harm caused to a third party's life, limb, or property.

Although most people know that winter weather may cause problems for bike riders, they frequently take that lightly or dismiss it. Fog and road wetness are two of the primary wintertime issues for bikers. Fog makes it harder for all motorists to see on the road, increasing the risk of running the bike off the street and damaging it.

Natural disasters are usually a major worry for bike owners because they can happen anytime. Your bike may be damaged by floods, cloud bursts, powerful hailstorms, tornadoes, cyclones, severe snowstorms, etc.

Furthermore, bike theft has always been a major issue. Thieves are more likely to take your motorcycle in winter because of the short days and long nights, particularly if you travel in remote or isolated areas. Keep in mind that fewer people are outside at night in the cold, which decreases community watch and protection.

A comprehensive two-wheeler insurance plan can come to your rescue in all these scenarios. Not only does it protect you from natural disasters, but you are also shielded from man-made events, strikes, riots, etc. Further, depending on the insurance company, you can also avail of cashless repairs at its network garages across the country. 

You can opt for personal accident insurance since high-quality medical care is costly in India, and you will need to pay for your medical expenses in case of an accident. For this reason, any person who purchases coverage for a motorcycle must also get a personal accident policy with a minimum value of INR 15 lakh.

Read more - Gadgets & Accessories for Long Bike Trips - A Complete Guide

Preparatory Tips for an Enjoyable Winter Road Trip

We advise adhering to the fundamental winter riding principles to ensure safe riding and prevent the need for a bike insurance claim. Here are some pointers:

1. Pick a Bike That's Simple to Ride

You must pick a comfortable bike if you plan to go on a long drive in the winter. Ensure that it has the latest features, particularly its seat, headlights, handlebars, brakes, etc. 

2. Keep your pace

You might want to increase the speed to make bike riding more fun. However, speeding, especially on unfamiliar roads, could harm you. Therefore, you could avoid driving too quickly. Adhere to the posted speed limits because driving too quickly may cause you to skid. This is even more likely in winter when the roads are wet. 

3. Wear the Correct Attire

You should wear the appropriate riding gear, especially if you're going on a winter road trip. Your gear can include thermals, coats and gloves. A neck warmer is a great option in winter. 

4. Plan Your Route

You may experience network issues when biking in mountainous areas or on a trip. So, rather than solely relying on the GPS, it is always advisable to be acquainted with the routes beforehand. Studying in advance can not only save you money but also save you from getting lost. For convenience, you can bring copies of the itineraries.

5. Rest Periods are Required

Travelling requires resting, not just for your own benefit but also for your bike. So, you could halt in between to check the bike's condition, such as the fuel level, tire pressure, etc. 

6. Remember to Pack Your Tools

Stop at the technician to ensure you have all the necessary tools before starting your eagerly anticipated road trip. Keep in mind that each bike has specific needs, such as the need for brake cables, a replacement tube, etc.


Embarking on a road trip, particularly in the winter, is fun. However, it can also be riddled with unknowns for which you must be prepared. Purchasing a comprehensive two-wheeler plan can help you get ready for your trip with its features such as roadside assistance, cashless repairs, quick settlements, etc. 

Read more -  7 Things to Do Before Starting a Long Bike Trip


1. Is skipping bike insurance acceptable?

Having no bike insurance is against the law and will result in penalties. As per the Motor Vehicles Act, 1988, it is mandatory to own a third-party bike insurance policy. Additionally, the financial risk of accidents or damages is far more than the cost of bike insurance. Hence, purchasing a bike insurance policy is strongly advised. 

2. How can I shield the road salt from my motorbike?

You can use the anti-rust spray to protect your two-wheeler from wintertime salt. It will put up a wall between the liquid and the salt.

3. Is it okay to ride my bike outside during the winter for long distances?

If you exercise caution, you can ride your motorcycle outside in winter. When not in use, cover your bike to shield it from dampness and apply an anti-rust spray to prevent corrosion.

4. How can comprehensive bike insurance protect my vehicle on a road trip?

Comprehensive bike insurance protects against theft, personal injury, third-party liabilities, and natural and man-made disasters. In addition, you have access to several add-on covers to enhance your coverage.

5. Is third-party two-wheeler insurance required?

Yes. Third-party motorcycle insurance is required in India as per the Motor Vehicles Act, 1988, to ride a vehicle without legal obstacles.

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