Two-Wheeler Insurance Checklist During The Monsoon Season

Posted on: Jun 30, 2025 | 3 mins | Written by: HDFC ERGO Team

Two-Wheeler Insurance Checklist During The Monsoon Season

It's nice when it rains, but it can be dangerous for people riding two-wheelers. Problems like slippery roads, heavy rain, engine damage, and low vision make the rainy season hard to deal with. Because of these yearly risks, every rider must have a complete list of things they must do for bike insurance and care.

This thorough guide tells you everything you need to check before you hit the roads when it's raining. These include basic bike maintenance, tips for keeping records, and things to think about when getting insurance.

Why You Need Special Preparation for Monsoons?

Monsoons significantly raise the chances of skidding, crashes, and technical problems. New data shows that out of the 135,000 weather-related two-wheeler accidents in India yearly, about 27% happen during the rainy season.

Data shows that auto insurance claims in places hit by the monsoon have increased by as much as 20%. Other stories say that claims related to flooding increase by as much as 40% during months with a lot of rain.

Being cautious lowers the risk of harm to yourself and the cost of making fixes you didn't plan for.

Essential Monsoon Season Checklist for Two-Wheelers

Before and during the wet season, every rider should do these things:

1. Inspect Tyres for Grip and Air Pressure

Your tyres are essential for keeping your bike stable on wet roads. During monsoons, roads become slippery, which raises the risk of crashing.

● Make sure the treads are at least 2–3 mm deep.
● Replace tyres with cracks, bald spots, or wear that is uneven wear.
● Keep the suggested amounts of air pressure
● If it's cool, check the pressure once a week.
● Overinflation makes it harder to grip wet surfaces, so don't do it.

Maintaining good tyre health keeps you in control and prevents crashes that aren't covered by basic insurance. This is a crucial step because third party bike insurance does not cover damage to one's bike.

2. Check Brake Efficiency

When braking in wet areas, you need to be quick and reliable. It can take longer to stop when the brakes are wet because moisture can make them less effective. Disc brakes may squeal or lose their bite, and drum brakes may take longer to stop.

● Check the brake shoes or pads for damage.
● Clean the disc and drum brakes so that sludge doesn't build up.
● Don't ride with a half-clutch and half-brake.
● If you need to, use anti-rust spray.
● Every week during the season, check the brakes.

Before the rain worsens, ensure your brakes are ready for the road to avoid crashes and wear. For claims to be handled under 2-wheeler insurance, functional brakes are crucial in addition to safety.

3. Test Lights, Indicators, and Horn

One of the most dangerous things about riding in the monsoons is that it's hard to see. Other drivers can better predict your moves with the help of your headlights, turn signals, and stop lights. In noisy places like rain and traffic, the horn becomes more critical.

● Make sure the stop lights, headlights, and indicators all work.
● Clean the lenses to make them brighter.
● Make sure the horn is always loud and steady.

Additionally, these parts are necessary for approving claims under a bike insurance policy after an accident.

4. Protect the Electrical System

Rainwater can damage your bike's battery and wires, which can cause the starter to stop working or short circuits. It is much cheaper to avoid problems than to fix them, especially during the rainy season when help may not be available immediately.

● Cover wires that are showing with insulation tape.
● Make sure the battery connections are watertight and free of rust.
● Put petroleum jelly on the battery nodes.

A short circuit caused by rainwater can require expensive fixes, typically only covered by comprehensive bike insurance.

5. Waterproof Your Essentials

Rain can get into the most critical parts of your two-wheeler, not just the outside. Keeping these places safe lowers the risk of rust, rusting, and mould. Throughout the season, it makes sure that your vehicle stays trustworthy.

● Make sure your seat and gas tank are waterproof.
● Spray anti-rust on the metal parts and chain.
● Do not park in areas that are low and likely to flood.

These actions make the vehicle last longer and make it easier to file a claim under comprehensive bike coverage for problems caused by the rain.

6. Update or Upgrade Your Insurance Policy

Riders often forget to look over their insurance papers before the seasons change. Take a look at these things:

● Make sure your insurance is still valid and hasn't expired.
● Also, know what your policy covers (own damage, theft, water).

Consider switching to comprehensive coverage if you only have third-party bike insurance during the monsoon season. In addition to third-party claims, comprehensive insurance covers personal accidents and natural disasters like floods and landslides.

7. Check for Add-On Covers

Monsoons do more damage than regular crashes. For a small extra fee, add-ons make your service better:

● Engine Protect Cover: This is very helpful when going through wet places.
● Zero Depreciation Cover: With this, you'll get full payment for replacement parts without worrying about how much they've lost value.
● Roadside Assistance: This is very important if your scooter breaks down and leaves you stuck.

For instance, damage to the engine from rain isn't covered unless you add on an engine guard. Also, replacement parts like nuts and bolts can be pricey and might not come with the machine unless you buy the right add-ons.

Read our in-depth blog post on "Consumables Add-On Cover in Two Wheeler Insurance" to learn more about add-ons that protect you from shock repair costs during the rains. It gives you helpful information on how to increase your insurance coverage carefully.

8. Dry Parking and Secure Cover

Keep your two-wheeler out of the water when it's not necessary:

● Use a waterproof vehicle cover or park in a covered place.
Do not park under trees or structures that could fall over.
● To avoid getting too wet, use a centre or back stand.

While scooter insurance may cover damage from falling tree branches during storms, you might not get the full amount back without specific add-ons or the proper paperwork.

9. Maintain Service Records

It is easy to handle claims when you have a history of doing maintenance on time:

● You can keep receipts and service slips electronically or on paper.
● Plan regular maintenance for before and after the rain.
● Before it rains, take pictures of your vehicle.

If your comprehensive bike insurance covers damage, these records will help your case.

Conclusion

Your best defence against the unpredictable rain is a well-maintained two-wheeler covered by a strong 2 wheeler insurance plan. You might not be able to change how the roads are or the weather, but you can lessen their effects.

Follow this plan to safeguard your vehicle, wallet, and peace of mind during the monsoon. And most importantly, be safe when you ride. Get the right bike insurance now, before the rain stops your ride.

FAQs

1. What if my vehicle breaks down in a flooded area in the rain?
Restarting your vehicle is not recommended. Take it to a service shop. If the engine safety add-on is part of your comprehensive bike insurance, it may pay for the damage.

2. Do I have to get new tyres every time it rains?
Recommended but not required. To keep your 2-wheeler insurance coverage in effect, replace your tires if the tread width is less than 2 mm or if you can see cracks.

3. Is it possible to add roadside help during the insurance term?
-term add-ons are possible with some insurance. Before the rainy season starts, call your scooter insurance company to see if you are eligible and how much it costs.

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