Knowledge Centre

Precautions to Take For Your Bike in Monsoon

Published on July 15, 2020. EST READ TIME: 5 MIN

Bike insurance would help you in providing financial cover against any damages caused to your bike due to any unfortunate event such as an accident, natural calamities, or any other manmade crimes like robbery, theft, riots, or vandalism. Bike insurance can also provide cover against any bodily injuries succumbed by you, the pillion, the pedestrians, or any third party property damage claims .

With a proper bike insurance policy in place, you would be free of any unprecedented financial stress related to your bike, would have legal protection against any fines to be paid to the police, and would also receive personal accident cover.

How does monsoon impact your bike?

Your two wheeler’s performance tends to get affected by the monsoon as it is a known fact that this season has an adverse impact on vehicles. There is quite a huge amount of damage caused to the bike and roads due to the rains and it can be dangerous.

Some of the common problems seen in bikes during monsoons are:

  • Breakdowns in brakes and engine of bikes

  • Damage to bike imbalance owing to potholes

  • Skidding of bikes and punctures

  • Rain and moisture can cause rust and damage to the parts of your bike like the chains and levers, causing obstacles in the proper movement of the bike

  • Rains can affect the brakes, tires, headlights, and even the air filter of your bike

Tips for a safe bike ride during monsoons

  • You must apply an anti-rust protection layer on the metal frame of the bike to prevent rusting. Also, you must carry a fitted waterproof cover for your bike to protect it from the rain in case of unavailability of shaded parking.

  • Proper servicing of the important parts of your bike must be done such as the brakes, tires, headlights, etc. to prevent any damages to these parts due to rains. Also, chains and levers must be regularly oiled to keep your bike moving accurately.

  • You must use protective gear or rain gear while riding bikes during the rainy season.

  • You should keep the pressure of your bike tires less to avoid skidding. Also, it is necessary to avoid unsafe lines such as lane separators or zebra crossing while riding a bike during rains. You must keep your speed under control to avoid unprecedented crashes or risks.

  • It is imperative to clean up your bike after a ride during monsoons to avoid nooks and crannies getting jammed. Also, the chain and lubes of the bike must be given importance while cleaning the bike.

Relevant add-ons for your bike insurance policy

You should opt for a comprehensive bike insurance policy to ensure all-round protection of your bike. You can opt for additional coverage for your bike during the monsoons by choosing the necessary add-ons.

The essential add-ons which would help in providing better coverage to your bike are:

  • Zero Depreciation Cover, which would provide cover against the effect of depreciation on your bike’s parts and on your pocket as well.

  • Roadside Assistance Cover, which would help in providing assistance in case of an emergency breakdown.


Hence, you can follow these tips to not just ensure the protection of your bike during the rains but also to have a safe and wonderful monsoon bike ride.

Disclaimer : The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales .

This blog has been written by

Mukesh Kumar | Motor Insurance Expert | 36+ years of experience in insurance industry

A veteran in the insurance industry, Mukesh Kumar has the expertise of handling various functions like Business Development, Underwriting, Claims, Human Resources, Quality Management and Marketing. With rich knowledge of the industry, he loves to share his views on topics of insurance sector and takes special interest in educating people on advantages of having insurance.

Mr. Mukesh Kumar recommends "getting your two wheeler insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 6,800+ network garages, you can be assured of help in event of any damage to your vehicle

  • 5 Ways to Save On Bike Insurance

  • Is long term two wheeler insurance plan beneficial?

  • How to Choose Two Wheeler Insurance?

  • Awards & Recognition