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Dos and Don'ts of Modifying Your Two-wheelers

By Juhi Walia
25 July 2022, 2:10 PM

A motorcycle may be customised differently as per one's interest and budget. Nevertheless, this is often a pricey affair that requires a lot of experience. Any alterations to a bike also have a significant impact on one's two-wheeler insurance. If not executed correctly, it could result in a future claim being rejected, resulting in financial strain for you to deal with.

Are you wondering how you can go about modifying your bike without facing any extreme consequences? Well, you've come to the right place. 

We will review a few vital pointers to consider before undertaking motorcycle alterations. Do read that carefully for a hassle-free experience later.

What Should You Keep in Mind When Modifying Your Motorcycle?

Correct Balance

Attempt to maintain proper harmony between appearance and general performance. Remember that visual upgrades should not hinder the bike's efficiency in the long term. 

Protection Enhancements

When adding any enhancements to your bike, try to include those that add to the overall protection of the rider and the vehicle. Some of these include larger wheels, lifted suspensions, tinted windows, and HID headlamps. They enhance the driver's experience and make the vehicle more efficient in a specific environment.

One example is a double-cab light duty vehicle (LDV) with off-road tires and a "suspension lift." It helps the LDV efficiently handle rough terrain.

Stick to the Law

You will find laws and regulations concerning the use of signal lighting, the decibel on the horn (pressure horns), and so on. Any superficial changes to the bike, like fixing a sticker, need not be informed to the RTO. However, if, for example, you alter your bike's colour pattern, such modifications have to be pointed out inside the RC.

Prioritise the Bike's Overall Health and Functionality

Visual modifications may look great in the short run, but functional alterations yield problems in the long haul. For example, you may wish to change medium tires to bulky ones. The question you ask here is, can they hinder the bike's efficiency? If the bike experts say yes, avoid making that change. 

Install Anti-theft Devices

Investing in an anti-theft gadget is helpful if you consider making alterations. It will not just stop theft but additionally reduce your overall financial obligations. If your bike possesses an accredited anti-theft gadget, you're more likely to get a price reduction on motorcycle insurance. 

 Inform the Insurer

You need to inform your insurance company about the alterations. Don't wait to update the insurance provider till any repairs are required. Insurers could refuse a case if they weren't informed about your alterations.

What Should You Not Do When Modifying Your Motorcycle? 

Don't Consult an Inexperienced Mechanic

Changing your bike is costly and requires expert management. Don't hand your two-wheeler to just any auto technician to save money. Opt for only those experts aware of the safe alterations the bike can handle, its capacity, etc.

Don't Follow Incomplete Instructions

Before you modify your two-wheeler, ensure you've read the instructions for the modifications thoroughly. Use the correct tools; pliers do not work as a proper wrench. Make sure you're tightening all the fasteners, and always check your modifications after a few hundred miles. Whether the changes are aesthetic or functional is up to you, but make sure they're safe.

Don't Ignore Rules and Regulations

Modifying your two-wheeler is a rewarding process that requires knowledge and expertise. While some bikers dislike tinkering with their bikes, others see it as an opportunity to express themselves. But do it safely and legally. You need to follow many rules and regulations when modifying a bike. 


Before making any changes to your two-wheeler, you should inform your insurer. While some insurers do not charge extra for modifications, others may charge heavily. Modifications can affect your two-wheeler's IDV and increase your premium, even if they are small. But informing the insurer about the change will ensure no issues when claiming your bike insurance policy

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1. What is the first question to ask when modifying your two-wheeler?

When considering modifying your two-wheeler, the first question is whether it's covered under your bike insurance policy. Insuring your modified bike will likely increase the premium. You should be aware that some insurers may not cover the motorcycle if you modify it, while others might charge you a high premium because of the risk involved. 

2. How do you inform the authorities about your bike change?

You will have to understand which authorities need to be informed about the adjustments you are making to your bike. For instance, switching the bike's colour pattern may trigger problems with your Regional Transport Office (RTO). Also, no matter the dynamics of the alterations, do inform your two-wheeler insurance provider about the same. It will help ensure no problems should you file a two-wheeler insurance claim later owing to damages due to accidents or any other covered means.

3. What are the insurance particulars to deal with after the bike change?

There are many things to consider when modifying a two-wheeler. First, ensure legal compliance for coverage under your bike insurance policy. You should also ask your insurer how much it will cost to modify your bike, as some will charge you extra for alterations.

4. What are the insurance particulars to deal with after the bike change?

There are many things to consider when modifying a two-wheeler. First, ensure legal compliance for coverage under your bike insurance policy. You should also ask your insurer how much it will cost to modify your bike, as some will charge you extra for alterations.

5. How is the insurance premium affected after two-wheeler modification?

Modifications can affect the two-wheeler insurance premiums. For instance, anti-theft devices can reduce your premiums. If you decide to modify your bike to improve its security, you should inform your insurer. It will help the insurer get the correct information when assessing your risks. 

6. What is the process of RTO approval concerning changes to your bike?

Changing your bike's colour is legal if you follow the guidelines and get approval from the RTO. It also helps you get a new RC book, as the RTO does not allow you to change the colour without permission. Other minor changes you can make are replacing visors, decals, and winglets. Changing tires is not allowed if you don't have a new bike. 

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