MAM
How to Reduce Two-Wheeler Insurance Premium
Paying for bike insurance is non-negotiable, but paying extra year after year often comes down to habit. Most riders renew on autopilot, keep add-ons they no longer need, and accept the insured value shown on screen without thinking. A smarter renewal takes only a few minutes and can bring your premium down while keeping the protection you actually rely on.
In this article, you will explore the shared simple, proven ways to lower premiums while keeping essential protection intact.
Know What Drives Cost in 2 Wheeler Insurance
In 2 wheeler insurance, the premium is shaped by two big decisions: what you want covered, and how you choose to share the risk.
Split Liability and Damage Cover in Your Mind
Think of your policy in two parts. One part is liability, which deals with legal responsibility. The other part is protection for your own bike. Premium differences usually come from the choices you make for your bike’s protection, not from the mandatory legal portion.
Set a Sensible Insured Value
The insured value influences both what you pay and what you can receive if there’s a total loss claim. If you set it unrealistically high, you may end up paying more than you should. If you set it too low, you might save a little now, but regret it when you need the payout.
Remove Add-Ons You Do Not Need
Add-ons are useful when they match your situation, but they can quietly inflate the price when they do not. Before renewing, ask yourself what you genuinely need for your riding pattern and parking situation. For many Indian riders, this is where meaningful savings show up.
Choose a Cover That Fits Your Bike and Riding
The cheapest plan is not always the best deal, and the most expensive plan is not automatically the safest.
Use Third-Party Bike Insurance Wisely
Third-party bike insurance is the legal minimum and covers injury, death, or property damage you cause to others. If your bike is older, you ride less, and you are comfortable paying for minor repairs yourself, a third-party-only plan can be a sensible way to keep costs lower.
Add Own-Damage Cover When the Risk Is Real
If you commute daily, park on the street, or ride in heavy monsoon conditions, consider adding own-damage cover. This is the part that protects your bike against common real-world risks, such as accidents, theft, and certain types of damage.
Consider a Long-Term 2-Wheeler Policy
A long-term 2-wheeler policy can work well if you dislike frequent renewals or worry about missing the due date. Fewer renewals also means fewer chances of accidental lapses. It is not about one-size-fits-all, but it can be convenient for riders who prefer stability.
Reduce Premium at Renewal without Cutting Protection
These steps are simple, but they make a visible difference when applied consistently.
Protect Your No Claim Bonus
If you have had a claim-free year, your No Claim Bonus becomes one of the most valuable cost-reducers at renewal. For small, manageable repairs, consider whether paying from your pocket is smarter than losing the benefit. Save claims for incidents that would genuinely strain your budget.
Choose a Deductible You Can Live with
A voluntary deductible is your choice to pay a part of any claim amount yourself. Opting for it can reduce premiums, but only select an amount you can comfortably pay if something goes wrong. If the deductible feels painful, it defeats the purpose.
Compare Like for Like with a Premium Calculator
A premium calculator is most useful when you compare options fairly. Many riders compare two quotes that are not even for the same product. Once you shortlist, read the policy wording for exclusions that matter to your bike, especially those related to wear and tear, consumables, and treatment of accessories.
Keep Details Accurate and Renew on Time
Small errors can create hassles, and late renewals can break continuity benefits. Keep your registration details up to date, declare modifications and accessories properly, and renew before expiry. It is boring admin, but it protects your benefits and avoids unnecessary friction later.
Conclusion
Reducing your two-wheeler insurance premium is mostly about making smarter choices, not cutting coverage. Review your insured value, keep add-ons only when they serve a real purpose, preserve your claim-free benefit, and use a premium calculator to compare like-for-like. With that approach, you spend less while staying meaningfully covered on Indian roads.
Brands
KFC turns tea time into dunk time with Khushi and Orry
Dunked range campaign mixes gossip, friendship and extra sauce.
MUMBAI: When the tea is hot and the chicken is hotter, you know it is going to be a night in. KFC has unveiled a new campaign for its all-new Dunked range, enlisting Bollywood’s favourite BFF duo Khushi Kapoor and Orry for a reel that serves sass with a side of sauce.
The video plays out like a familiar Gen Z script. A party is ditched after Orry’s swollen face becomes the evening’s plot twist. Instead of flashing lights and crowded dance floors, the duo opts for a cosy night in. Khushi proposes a New Year resolution to simply stay home more often. Orry counters with a more ambitious goal shedding his “gossip aunty” reputation, a claim that earns him a sceptical look.
Naturally, restraint does not last long. Before Khushi can finish her sentence, Orry launches into animated storytelling mode. Celebrity break-ups, DM drama, influencers on diets, the tea flows freely, and so does the dunking. Between bites and banter, KFC’s Dunked range becomes the unofficial third wheel, anchoring the conversation in indulgence.
The campaign cleverly mirrors product and persona. Just as the Dunked range promises bold flavours and generous sauce, the reel leans into exaggerated expressions, playful tension and friendship dynamics that feel instantly shareable. The storytelling is fast, cheeky and built for scroll culture.
By tapping into pop-culture references and the easy chemistry between the two personalities, KFC positions its Dunked range as the perfect partner for laid-back evenings where gossip is plentiful, resolutions are flexible and the sauce is unapologetically extra.
The campaign is now live across KFC’s digital platforms, targeting younger audiences who see food not just as a meal, but as a mood.
Because sometimes, the best parties are the ones you skip, especially when the tea is this juicy.
