GENERAL INSURANCE BLOG

With increased riders' registrations and two-wheelers plying on the road, motorcycling is becoming more popular in India, thanks to new technologies mainly observed in cars. This digitalization in the automotive industry helps improve fuel efficiency, reduces emissions, and eliminates the possible risk for the two-wheeler and rider.

Manufacturers are steadily researching new technologies to make the bike experience safe. This article will look at a few inventions that have revolutionized how we think about motorcycle safety.

1. Anti-lock Braking System (ABS):
Anti-lock Braking System prevents the wheel(s) of a motorbike from locking up during hard braking. This technology employs speed sensors on both wheels to correctly estimate wheel speed and recognize when a wheel will lock.
This mechanism adjusts the braking pressure to prevent the tyres from locking up and maintain the motorcycle's balance. It also helps to minimize braking distance in several situations. Motorcycles equipped with anti-lock brakes are less likely to meet an accident on the road.

2. Traction Control System (TCS):
Traction control avoids drifting while accelerating on a slippery surface. It limits engine power until the bike can travel without the wheels slipping and provides maximum turning stability.
The sensors and the Electronic Control Unit are the two primary components of a traction control system. The ECU captures data on gravitational forces, lean angles, and other factors. The sensors are constantly updating raw data about the motorcycle's present location. This information helps to adjust the amount of power sent to the back wheels and prevent skidding.

3. Slipper clutch mechanism:
A slipper clutch aims at reducing the effect of engine braking when the rider decelerates. It works by transmitting braking force through the chain drive, making the rear wheel shake and lose traction when the back wheel tries to move the engine quicker than it would under deceleration. The slipper clutch partly disengages the engine until the conditions are suitable for reengaging.

4. Tyre Pressure Monitoring System (TPMS):
This technology works by installing pressure monitoring sensors inside each tyre's valve. These sensors collect data from each tyre, send it to a module that compares it from both tyres and notify the rider if any tyre has low, high, or uneven pressure.
Low tyre pressure can cause slow handling, increasing your chance of meeting an accident. The TPMS technology assists you in avoiding such instances.

5. Ride By Wire technology (RBW):
Ride-by-wire is a new-age acceleration system; it eliminates the need for cables. It's an electronic throttle system that removes the mechanical throttle wire's coupling to the acceleration handlebar. This unique system results in faster and more accurate throttle response.

These cutting-edge technologies are helping bikers with safer riding experiences. As a rider, make sure your bike has these advanced safety features to provide you with a comfortable riding experience and the best possible protection. While you get prepared to upgrade for a bike loaded with these new safety-enhancing features for your bike, also remember to have valid two-wheeler insurance; not only is it necessary, but it is mandatory by the law. Always remember to get ideal 2 wheeler insurance online to improve your safety!

To know about the best 2 wheeler insurance online, click HERE .

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

If you travel daily to work together or plan long rides during holidays, riding with a co-passenger always makes a journey lively and enjoyable.

Riding a two-wheeler demands alertness at all times. But, being accompanied by a pillion rider requires more vigilance. Most riders have a basic understanding of riding a bike safely, however, things change a lot when riding with a pillion rider.

Being a responsible rider, you must ensure the safety of your riding partner too. Any injury to the pillion rider might detract from the enjoyment of your travel. In this space, we’ve emphasized how to safeguard your co-rider during your bike trip.

1. Basic dos and don’ts for the pillion:

Dos:

• Always maintain a constant posture and balance your body weight

• Assist with the navigation

Don’ts:

• Never engage the rider in too many conversations and unnecessary distractions

• Don't shift your body weight to the rider

• Avoid sudden reactions or jerky movements

2. Best use of a seat and a backrest:
An uneasy pillion passenger may shuffle in their seat, resulting in a persistent state of unbalance. Hence, investing in a decent quality backrest can be of great help. It not only guarantees the pillion rider’s comfort but also keeps the bike from losing balance.

3. Check your two-wheeler’s suspension adjustment:
A pillion rider results in a greater centre of gravity, which can affect the bike's handling. As a result, make sure your bike’s suspension is adjusted correctly. For example, installing an adjustable rear shock might assist you in achieving the proper setup for riding with a pillion rider.

4. Pay attention to your braking and turning:
These are the two factors that have a significant influence on a two-wheeler’s balance. Keep your speed under control, specifically on the turns. Also, practice a progressive braking technique rather than grabbing a fistful. These are the two moments in which you should be aware of the presence of a pillion rider and alter your movement accordingly.

5. Communication is the key:
Some co-passengers feel uncomfortable while riding. They are scared of speed or sharp turns and find it difficult to adjust with maneuvering. Your pillion rider must know your motorcycle riding skills and is comfortable while on the road. You should have the transparency to tell the other person to speak out the fear, and you can accordingly adjust the speed to make the co-passenger comfortable. If you are riding with someone, always make sure you both can talk things out comfortably and enjoy the ride without hesitation.

6. Safety should always be a priority:
One cannot compromise safety, especially when riding with a pillion rider. As two-wheelers are more prone to road accidents, it’s your responsibility to take safety measures seriously. Invest in good quality riding gear, purchase ISI-certified helmets for you and your co-rider. Don’t let unfortunate incidents affect the excitement of your ride. Check for bike insurance online, browse through different options, and buy one to avoid financial setbacks in case of damages.

Making your pillion rider feel safe about riding with you is important for a pleasant ride. There has to be trust and understanding between both riders. Take extra care when riding with kids or older people. Cover distances together but keep safety and comfort as the priority.

Looking for bike insurance online, click HERE .

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The internet is a whole new universe that is opening up several opportunities for people. It is a clear manifestation of innovation and endless possibilities. And WiFi lets us access the internet quickly at reasonable rates.

For almost all the new car buyers, cutting-edge features such as WiFi connectivity is increasingly becoming popular. With WIFI onboard, you feel like resting on the couch at home and accessing social media, working on the go, checking important news, or having quick connectivity with emergency services and navigations.

So, how do you install WiFi in your car? Nearly every new car variant provides an in-built WiFi feature. But if you are not changing your vehicle anytime soon, read through the different ways to install WiFi in your car and make it a moving hotspot.

1. Use your phone as a WiFi hotspot:
All smartphones have the option of enabling personal or WiFi hotspots, and it can be an excellent quick fix. But it is not a long-term solution for a few significant reasons- iPhone allows five devices at a time to connect to a hotspot. In contrast, Android allows ten users, consuming a lot of data from your limited Internet plan. Can an unlimited data plan solve the problem? No, because this is data tethering. Therefore, many Internet-providing companies restrict the amount of data you can transfer through mobile hotspots. Also, switching on the hotspot will drain your cellphone's battery quickly.

2. Buy a portable hotspot device:
It is perfect for people having mobile offices. Just a suitable hotspot device is enough to send emails, have meetings, even a quick refreshing episode of your favourite series. A mobile hotspot device is a portable WiFi router that also has a cellular connection. It uses data, but not from your smartphone plan but a different internet plan instead.
You can either pay a monthly cost or with the "pay-as-you-go" option. But these devices require electrical power, which you can supply from the car's electrical outlet, the cigarette lighter, or a USB port. You can opt to buy a device designed to plug into the USB port of the laptop.

3. Go seamless and install a wireless router:
These are similar to the ones at your homes. You can also install a wireless router in your car, but you will need to buy a data pack with it. This is ideal for business vehicles requiring configuring for mobile connectivity, but for casual users, the whole process of installing can be a little expensive.

With remote working influencing our lives profoundly, making your car an internet hub can help you explore unique touchpoints of joyful experiences. Now, with the advancements of internet mobility, you can plan frequent business trips that allow you to work along with the luxury of travelling, access real-time traffic data, or navigate smoothly with the help of enhanced maps.

But remember, before choosing a way to install WiFi in your vehicle, consider factors like affordability and data usage per day. Thus, calculate the other maintenance costs, car insurance renewal, commuting costs before adding extra WiFi expenses. In the end, it is about your personal preference and weighing the pros and cons.

Click HERE to know more about motor insurances for your car.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

According to government data, 50% of India's road accident deaths might have been avoided if the injured had received basic first aid within an hour of the accident. Generally, before the paramedics arrive, police and pedestrians are the first ones to be present at the spot of the accident. If they have proper knowledge about first aid, they can be the link between the life and death of an individual. These quick points will help you learn some essential first aid tips if you find yourself in a similar situation.

1. Look for injuries:
When you're at the scene, clear out the traffic, and importantly, don't panic. Take the injured person carefully to a safe place and quickly look at all the injuries they have. Excessive blood loss is the main reason for the wounded person succumbing to the accident. If the victim is losing too much blood, tie the part above the wound to restrain blood flow and avoid further loss.
Important tip: Many individuals have their first aid kits on the bike; you can use the bandages from the first-aid kit to help you with the first aid tasks.

2. Call an Ambulance right away:
102 is the national helpline number for the ambulance service. To the best of your knowledge, provide whatever information asked by the dispatcher.

3. Check the victim's air passage:
It's critical to check the airway to ensure they're not facing breathing difficulties. Then, constantly, keep checking their pulse and feel their nerves.
If the victim is responsive, it's a good sign that means they can breathe. But if the victim is unresponsive, make sure you put them in such a position that opens their airway. Here's how:
• Gently tilt the victim's head backwards by holding their forehead
• Lift their chin vertically upwards by placing two fingers beneath the bony area of their chin

4. Perform CPR:
If the process mentioned above didn't work, try combining it with CPR. It will assist in the re-establishment of the circulatory and respiratory systems. Here's how you can do it:
• Rest the victim on a plain flat surface
• Interlock your fingers and place your palms facing down on the chest for compression; push down on the chest for roughly two inches. Repeat for a total of 30 compressions
• If you notice that CPR is working, place them in the recovery position (on either of their sides). Make sure to support their neck to prevent additional damage

5. Keep the victim warm at all times:
When an injury is severe, the core and skin temperatures can drop considerably. This can lead to hypothermia and worse death. It's crucial to keep the victim warm, so use anything you have on hand, whether it's a jacket, a blanket, or a pullover. Try to provide good support to the spine of the injured.

Don’t over-exert yourself in your attempt to revive the injured; it might worsen the situation. You need to understand that you’re not a medical professional, so whatever you do involves potential risks. It is righteous to save lives, but only within the boundaries of our expertise, knowledge, and capacity. Your best care during the ‘Golden hour’ can give someone a new life.

We’ll witness an accident or a medical situation that needs our assistance at some time in our lives. But remember that it can be the other way around; you might get caught up in an accident. In such times any aid is of great help. Safety first is what you should bear in mind when riding the bike. Ride with proper safety gears for uncompromised security. You can rely on Magma HDI bike insurance online plans to provide an additional layer of protection to your bike. Buy bike insurance online if you haven’t got one yet.

Click HERE to know more about the best bike insurance online to keep your bike and finances safe.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.