Why To Renew Two-Wheeler Insurance Before Monsoon

Two-wheelers are one of the most affordable ways to travel. Over the years, two-wheeler ownership has increased, and today, one in three households in India owns a two-wheeler. The FY2025 has recorded a staggering 19.61 million (Till May 2025) two-wheeler units sold domestically, a 9.1% rise from the previous year (SIAM). Thus, the popularity of two-wheelers is increasing. With this, it is also mandatory for every bike owner to insure their vehicle with a two wheeler insurance cover.

Especially during monsoons, bad road conditions, and slippery tyres can often lead to an accident. Two-wheelers are also greatly impacted due to rain as the rainwater continuously falls on the vehicle, affecting its performance and damaging the mechanism. The chances of the vehicle having a technical breakdown due to the monsoon rains are high, which makes it necessary to insure it with a two-wheeler insurance cover. So, let's understand the importance of renewing bike insurance. Especially in monsoon, and how you can renew your two-wheeler insurance at Coverfox in under 3 minutes!

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Why is renewing two-wheeler insurance necessary, especially before monsoon?

Here is why renewing your two-wheeler insurance during monsoons is a smart choice:

• Protection against natural disasters

Heavy rains can create havoc, often damaging your vehicle. Having a bike insurance cover can help as it offers protection against natural disasters like floods, fires, cyclones, earthquakes and man-made disasters such as theft, burglary, strikes, etc.

• Access no claim bonus

Renewal of two-wheeler insurance on time ensures that your no claim bonus stays intact. NCB is the discount in premium you are eligible for in case of making no claims in one policy year. No claim bonus expires in case the policy is not renewed within 90 days from the date of expiry.

• No break in policy disadvantage

In case you miss out on renewing your two-wheeler policy before the monsoon and if the policy date has expired, then it will be considered a break-in policy. In such cases, the bike will require inspection, and if the surveyor finds any damage, then the premium will increase.

• Continue staying insured

Monsoon is an uncertain time and can cause great inconvenience. Non-renewal of policy can increase your out-of-pocket expenses and also lead to legal liability in case you don’t renew your insurance cover on time. It is mandatory to insure a two-wheeler with a valid third party bike insurance cover as it offers protection against damages caused to a third-party person or property.

• Avoid Re-inspection of your bike

Failing to renew your bike insurance in time can lead to re-inspection of your bike. Now, during the rains, do you want to stand in line, waiting for your bike to be inspected again just because you forgot to renew your bike insurance before monsoon? No, of course not. So, ensure you renew your bike insurance policy before it expires and avoid getting it inspected again.

What can damage your bike during monsoon?

Monsoon riding is fun, but the rainy season is hard on motorcycle owners. Not only is riding in the rain difficult, but it can also cause some serious damage to your prized bike. These damages is caused by:

1. Water Ingress into Electrical Components

Rainwater can seep into the wiring, battery terminals, and connectors, causing short circuits, rusting, or malfunctioning of essential systems like ignition and lights.

2. Rust and Corrosion

Continuous exposure to moisture can cause rust on the frame, exhaust pipe, nuts, bolts, and chain. This weakens structural parts and reduces the bike's overall lifespan.

3. Slippery Roads and Tyre Wear

Riding on wet surfaces increases the risk of skidding. Worn-out tyres lose grip quickly, increasing the chances of accidents and uneven tyre wear.

4. Poor Braking Efficiency

Water on brake pads and discs reduces friction, resulting in delayed braking response and increasing the stopping distance, especially on slippery roads.

5. Battery Drain

Frequent exposure to damp conditions and infrequent use can drain or damage the battery, making it hard to start the bike.

6. Seat and Upholstery Damage

Water seeping through non-waterproof seats leads to dampness, foul odour, and potential fungal growth, making the ride uncomfortable.

Tips to make your bike monsoon-ready

• Ensure you keep the chains lubricated

During monsoon, Indian roads are riddled with potholes and puddles. Hence, to ensure that you are able to move around swiftly, check on the lubrication of the bike’s chain and get them lubricated if need be. Lubricate the chain with grease and engine oil to keep the same in good condition.

• Check for the tyres grip

During monsoons, the tyres of the bike are more prone to skidding and may cause an accident. Hence, check if the grip is in good condition and if need be get them replaced.

• Check for moisture

The moisture of the rain can have a great impact on the air filter and other parts of the vehicle. If the engine of the vehicle switches off midway or if you feel any resistance when starting off the vehicle then it is best to get the vehicle checked and get the moist areas cleaned.

• Basic tips to ensure our bike is monsoon-ready

• Apply anti-rust coating to protect metal parts from corrosion
• Use a waterproof bike cover when parked outdoors
• Switch to tyres with deep treads for better grip on wet roads
• Lubricate the chain regularly to prevent rust and ensure smooth movement
• Check and seal all electrical connections to avoid short circuits
• Ensure brake pads are clean and responsive
• Use water-resistant seat covers to prevent soaking
• Keep the battery charged and terminals clean
• Carry a basic emergency kit, including a torch and toolset
• Ensure your bike is covered with comprehensive bike insurance.

For detailed tips to make your bike comfortable, read

• Tips While Riding Bike in Rainy Season

• Things You Must Do To Protect Your Bike in Rains

How to Renew Bike Insurance Online in Monsoon through Coverfox?

If you wish to renew your bike insurance online before or during monsoon, Coverfox has got you covered. Coverfox offers bike insurance renewal in under 3 minutes, just follow these steps:

• Head over to the Coverfox website


• Navigate Insurance > Bike Insurance > Two-wheeler insurance


• Add in your vehicle details and policy expiry details


• Click on “Get Quotes”


• Compare insurers, consider add-ons like Engine Protection Cover for rain


• Pay using the secure gateway


• Get your policy renewed.

You can skip entering details if you have already bought bike insurance from Coverfox by logging into your account using your registered mobile number or policy number.

Final Takeaways

Renewing two-wheeler insurance is essential. A renewed bike insurance policy will ensure you meet legal requirements, continue benefits, avoid fines, and have full-time protection of your bike, which is the most important in the monsoon. Rains are necessary, but they can cause damage to your bike, making bike insurance a necessity during the downpours. So, get the best bike insurance quotes from Coverfox and get insured today.

Also Read: How to Select the Most Appropriate Two-Wheeler Insurance Policy in India

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