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How Bike Modification Affects Two Wheeler Insurance Premium

Published On Aug 10, 2020, Updated On Aug 17, 2020

How Bike Modification Affects Two Wheeler Insurance Premium

Some people like their prized possession to be simple, while some like to add up some jazz. Similar is the case with bike owners.

Many bike owners want their bikes to shine in the spotlight as well as perform extremely well. For which most of them want to get their bikes revamped. They hand over their bikes to specialists or even in local garages to enhance its aesthetic appeal, performance, or to ensure greater safety. These changes are known as bike modifications.

While it is solely your decision to get bike modifications done or not. But if you do want to get it modified, then this article is a must-read for you.

Generally, there are three types of bike modifications. Read on know what are they and how they impact your bike insurance policy premium:

Bike Modification Types and its Impact on Two-wheeler Insurance Premium

1. Security Modifications

Security modifications are the best type of modification you can give your bike. These modifications involve the installation of security devices such as locks, alarms, etc. that are certified by the Automotive Research Association of India (ARAI) in your bike.

These devices are known as anti-theft or security devices. They protect your bike from theft and reduces the chances of getting damaged and automatically make your bike fall under a low-risk spectrum thereby reducing the liability of the insurer. Therefore, you can enjoy paying a lesser bike insurance premium if you have ARAI-approved security devices installed in your bike.

2. Aesthetic Modifications

Aesthetic modifications enhance the visual appeal of your bike and give it a distinct look. You can do a lot to your bike such as changing its color, replacing the seat cover, adding fibre parts to bulk up the bike to give it a sporty look, or modifying the headlights to make it look better than others.

But the better look you give your bike, the more attractive it will look thereby luring the thieves. Also, aesthetic modifications increase your bike’s market value. So, giving your bike aesthetic modifications will raise its insurance policy premium amount.

3. Performance Modifications

Performance modifications enhance your bike’s speed and handling related performance by making it better, stronger, and more potent than before. These modifications usually include getting speed-enhancing mechanisms, or fuel-efficient systems installed in your bike.

Usually, the insurance companies perceive such bike modifications as ‘risky’ as increased speed will increase the odds of getting involved in an accident. And therefore, they charge a higher bike insurance premium in such cases.

Wrapping It Up!

Next time you give a thumbs up to any kind of bike modification, think of its impact on your bike insurance premium. However, there is no hard and fast rule or a fixed percentage of how bike modifications impact your bike insurance policy. But, if you purchase a bike insurance policy at Insurancedekho, then you must inform the customer care executives about the bike modifications you are planning to get and seek advice for the same. The executives will suggest what is best for your bike and will help you get better deals.

Also Read:

How To Get Discounts On Two Wheeler Insurance

How to File Bike Insurance Claim: Simple Process To Avail of Bike Insurance

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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