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Car Insurance

List of things to do and consider before you buy a two wheeler in India

30 November 2015
Beyond popular opinion, here is a list of questions you must ask before deciding to purchase a motor bike or scooter in India.

On India's crowded roads and highways, where bumper-to-bumper driving is the bane of every car driver, owning a two wheeler can be a relief. Not only is weaving through traffic much easier, you can find parking absolutely anywhere and travel short distances without spending too much money.

According to a report published in June 2015, below are the 10 highest selling bikes in India in May 2014 as compared to May 2015:

The above list should give you a fair idea as to the top selling two wheelers in the country and can be a good starting point when deciding which one to buy.

But beyond popular opinion, here are the questions you must ask yourself when choosing the perfect two wheeler for you:

  1. Scooter or Motor Bike?

Scooters offer a more natural seating position, automatic transmission, easy gearless riding, increased storage space, lower prices and greater manoeuvrability, which can be beneficial for city driving.

However, motor cycles give you more control of the vehicle given the presence of a gear box and are also preferred by bike enthusiasts who like to feel the power beneath them and hear the revving of a motorcycle engine as they ride, especially for long drives in the hills.

  1. Budget- how much can you afford to spend?

Determine your savings, post-tax monthly income and monthly expenses. The remainder- besides a certain amount put aside as a safety margin- is how much you can afford to spend each month. Multiply this figure by the number of months you want to be paying for your two wheeler (not more than 60) and that's the amount you can spend annual.

Also, keep in mind that you will own it for at least 2-3 years, and will also spend money to maintain it, in terms of servicing, repairs, insurance and fuel.

Related:Day and Night car care tips for two wheelers in India [Infographic]

In the list of top selling two wheelers in India shown above, a majority of them fall in the range of between Rs. 45000-55000. This means that if you can spare this amount of money, you can afford a tried and tested two wheeler.

  1. New or Used Two Wheeler?

This decision should be made based not only on your budget but also your comfort with riding.

If you are a first time rider, you should consider buying a second hand bike which you can later upgrade as and when you get more comfortable with riding. This way, in case you outgrow it too soon, you haven't lost much in depreciation.

If you are buying a second hand vehicle, be very particular about asking for all the right documentation and details. For a simple guide to buying second hand vehicles, click here and to know how to maximise the value of your used vehicle, click here.

  1. Model and Mileage?

One of the most important factors to consider is the model of motorcycle or scooter you wish to purchase. Here are the various types of motorbikes and scooters you can choose from:

To ensure comfort, you must ensure that when you are sitting on it in stationary position, you can place both feet on the ground without losing your balance. The weight of the two wheeler should also be suited to your physical capacity.

Beyond that, you also need to consider mileage. 80 kilometres/litre is where most motorcycles start at,

  1. Are you ready to make the purchase?

After you've decided which two wheeler to buy, you have to make it happen.

Thus, the next thing you need to do is complete the financial transaction. Here are some tips on doing that:

  • Visit more than one dealer: Nothing works better than looking unconvinced and walking out a dealership and saying, "let me think about it", so make sure you do that twice or thrice before deciding which dealer is giving you the best price
  • Make sure you take it for a test ride- If you aren't an expert, bring a friend along who can ride it for you, preferably over both highways and bumpy street roads
  • Don't accept anything at face value:Make sure you ask for the break-up of the cost and understand every element, be it ex-showroom price, insurance or RTO expenses
  • Feel free to negotiate; for instance, many sellers have been known to offer discounts if the payment is made in cash


  1. Have you bought insurance?

There's no doubt that Indian roads are not particularly safe. In 2014 alone, there were 489,400 road accidents and 137,000 related death, with two-wheelers being the deadliest vehicles accounting for around 30% of these, with cars and jeeps following close at 22.7%.

And this is why two wheeler insurance becomes so essential- not only does it protect the lives and property you and your loved ones, it also mitigates the financial impact of damage or injuries caused to third parties.

Insurers usually give insurance as a part of the cost of the two wheeler, but it is important that you find out exactly what is covered and what is not- not only in terms of various riding situations, but also individual bike parts and insurance riders.

With the introduction of Long Term Two Wheeler Insurance, offered by insurers like ICICI Lombard, the process of getting your two wheeler insured has become hassle freeWith this policy, two wheeler owners don't need to renew their insurance every year and can now do so just once in three years. In addition, they also have the benefit of immunity to upward revisions in Third Party Insurance rates, which can lead to substantial savings. To know, click here.

Related: Understanding the benefits of the 7 major car insurance riders

For a decision as important as buying your very own means of transportation, a little bit of research is necessary. Follow the tips above to ensure you get the perfect two wheeler for you. If you feel like getting yourself a car, here's a comprehensive guide to buying a car this festive season.


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