Be Smart and Choose Two-Wheeler Bike Insurance over Superstition


We in India to a certain extent are negligent for the word “Insurance” because we are not thoroughly educated ourselves or from our parents or from people around us  about why “Insurance” plays an important role in our lives and is taken as an choice. It is every person’s necessity in this era, considering the value of Insurance, I am sharing an experience of one of my close friend to highlight the importance of two wheeler insurance because it’s never too late to initiate.

He was in his late teens back then and he had to reach my place for some project work, considering he was already late his parents told him to ride safe and wear a helmet, above that as he was late they further told him to keep praying while he started the ride and during his ride, yes this is what insurance means to some parents and relatives, PRAYING!

It was an hour but still there was no sight of my friend who was supposed to reach my place within 40 minutes, I was worried and thought of calling up his parents to ask for his whereabouts, when they too confirmed that he had left an hour, we all started to think about the inevitable scenario, did he meet an accident!

After a while I got a call from my friend’s parent saying he was injured in a road accident and that few people were taking him to the nearby hospital, we too reached the hospital to do the formality and admit him. When my friend came to his conscious, he narrated the scene to us, it was not his fault and someone just banged the bike from behind and ran away.

Though my friend walked away with minor inquiries and some days in the hospital, he had to shell out money from his pocket to pay off the hospital bills and repair his bike, but this expense would have been covered if he had renewed bike insurance. Apart from that he had to pay a fine for not renewing his 2 wheeler insurance to collect his bike from the traffic control room.

After this episode, the first thing my friend did was online bike insurance, though we learn it the hard way sometimes, but it’s important to change the perspective once the mistake has been made. This is just an instance I have shared, but there are a bunch more examples in which due to non-renewal of 2 wheeler insurance and negligence many people don’t get the benefits to cover the expenses which is well covered in an insurance policy.

We have heard about other superstitions also, like dahi shakkar or Nimbu Mirchi helps prevent accidents, though it is a ritual in some Indian household, but it’s always better to have online two-wheeler insurance which doesn’t take time and is hassle free.

Sharing a video which illustrates the same point to put words into perspective: https://www.youtube.com/watch?v=iR3u8l59bFw&feature=youtu.be&ab_channel=VishalPatel

Advertisements

Tips before buying pre-owned bike


Knowing that prices of bike are soaring high and sometimes it gets hard to shell out big sum of money at a go, so generally to catch up on their comfort and dream bike people opt for pre-owned or second hand bikes.
Finding a decent pre-owned bike in Bangalore can be a daunting task to say the least, considering there are so many shops/showrooms offering at  different rates, we generally get influenced at their marketing and spoken words as trust.

So to save your energy and not get tangled by the shop sales person, I am sharing a list of pointers which can help you in knowing the actual usage of the bike and decide your bargain price accordingly:

1) Know what kind of  bike you want, there are generally 3 segments A) Commuter bikes B) Performance/Tourer Bike C) Sports bike – they might look different and some even might look very convincing in looks, but do consider the body type and segment the price accordingly.

Let me further define these 3 segments of bike for better understanding :Types of Bikes
Commuter Bikes: It is used for daily commute and is very fuel efficient with limited features, design of such bikes are basic yet tough enough to tackle the daily wear and tear in city traffic and roads.
Performance Bike: These kinds of bike are very comfortable seating wise, as these bikes fall under tourer segment for those long distance journeys and adventure trips.
Sports Bike: These bikes are very sporty and stylish in looks and has good performance to reach maximum speeds, thou mileage takes a beating and is not that fuel efficient as the above two.

Now you are aware of types of bike, next thing to focus is :

Brand: Brand also plays a major part in choosing a bike, we should know if the parts are easily available, after sales service is important and even how they are priced for the same segment what other companies are offering. So value for money is important here.

Overall Look: Do check the bike for any scratches or accident dents, weld tears, kinks and so on, check if the machine is well taken care of.

Inspect: Also not to forget, checking the internal small parts, see if the parts are corrosion free in the chain both at teeth and tip for better grip, check the body metal, for paint fade, and lastly sprockets!

Bike Engine: Bike engines generally start from 100cc and go upto 300cc, now the main thing to note Check bike spareshere is that different segments have different fuel efficiency, for instance a 100cc to 150cc will have better fuel efficiency then a 150 to 300 range bike would. So calculate  your daily commute distance and choose accordingly.

Suspension, Brake and steering: TO check the brakes and suspension, sit on the bike and press the front brake, push and compress the fork, if the bike stays stable at its place, then both brake and suspensions are working good !

Tires: Check the tire for wear and tear, it would have some tear, but make sure that the tires are not that flat that you don’t see the tire pattern for grip!

Leakage: DO check the bike for leakage; inspect the bike by raising the throttle / accelerator.

Test drive: After inspecting all the above points, take the bike for a test drive, check the feel of the bike while riding, the engine noise should be minimal, rear brakes and suspension should be smooth while applying.

Bargaining: Consider the above points and set a price for bargain considering if any services or bike body work is required.

Paper work: The most important aspect while dealing in a second hand bike is to check the papers and know the owner of the bike, when was bought, bike age, check the engine no and paint color mentioned in the smart card, these entire pointer are essential while dealing. Make sure the papers are not forged and get it recheck from your local RTO.

Though it might be pre-owned bikes in Bangalore but if you have a reliable source then finding a second hand bikes in Bangalore won’t be a tough task!

Finding New Bike in Pune


Commuting without a bike in a city like PUNE is tough, PUNE city is widely spread across and traveling through bus is a laborious job to say the least as only few long distance buses operate and generally have to change buses multiple times to reach a destination, the second option is rickshawala, the meter charges are boom for a kilometer ride also, forget long distance commute, so the best most convenient and effective option is BIKE!!MotorBike

To what I know each family in Pune used to have 1 Bike/scooter, but with the easy and convenient options of finance and increase in manufacturers and their models, the consumption has grown and now almost every person in a family who knows how to drive and have a valid license owns new bike in Pune, so is the need of one.

Fed up with public transportation, I finally decided to give a thought about owning a bike, so here I was all geared up and excited to tell dad about my plan of finally purchasing a bike, but when I told dad about my plan, he said “first research the market about specifications, color, companies, prices etc, when you shortlist one then come to me, I shall see what is to be done. I took note of what dad said and started my search for new bikes in Pune.

I initiated my search for what I wanted considering fuel efficiency, good looks, and decent features, thou I wanted to consider models with high end specifications and sporty looks  but for long distance travel daily it was not feasible enough option.

Anyways, let’s see the factors in terms of specification that are good for a fuel efficient bike:

1) 100cc to 125cc Engine

2) 4 Stroke

3) Around 5500 to 9000 RPM

4) 7 to 10 BHP

5) Average of about 55 to 65 in City and 75 to 85 on highway

Considering the above form factor I shortlisted some models that had all the amazing features and as per above specifications. Now that I was sorted with some selected models, it was time to head north I mean tell dad about the models and specifications so that he could finalize which one would be better for  daily commute purpose and consider the company manufacturer market value.

After going through the list of models and companies of bikes, dad suggested that Hero Honda bikes in Pune are trending because of their good after service and easy to get spares, the two main factors which I didn’t search about, and he was right in a certain way that after sales service and easy availability of spares are crucial part while purchasing bikes in Pune.

So I finally decided to go by dad’s decision and purchase a Hero Honda Bike in Pune considering the 2 main factors mention by him and adding the model and features of the bike as per my choice.