Two-wheelers are an essential mode of transport for millions in India. They are affordable, fuel-efficient and perfect for navigating through busy city streets. However, they are also highly vulnerable to theft. In fact, two-wheelers are stolen far more frequently than cars due to their compact size and lack of advanced security features.
The increasing cases of theft make security a top priority for every bike owner. One of the most effective ways to protect your vehicle is by installing anti-theft devices. Not only do they keep your bike safe, but they also lower your insurance premium. Insurance providers offer discounts to bike owners who use the Automotive Research Association of India (ARAI)-approved security devices. This means you save money while ensuring the safety of your bike.
In this article, we’ll discuss the importance of anti-theft devices, the types available, and how they impact your two-wheeler insurance. We’ll also explore the benefits of using a bike insurance app for hassle-free claim management.
Why are two-wheelers easy targets for theft?
Unlike cars, bikes are relatively easier to steal. Here’s why they are an easy target for thieves:
- Lightweight and portable: Two-wheelers are easy to lift and transport, making them a quick target. Thieves can easily load a bike onto a van and drive away.
- Lack of advanced security: Many bikes come with basic locks that are easy to break or bypass.
- Demand in the second-hand market: Stolen bikes can be quickly sold in the second-hand market or dismantled for parts, making them a lucrative target.
- Inadequate Parking Security: In India, many bikes are parked on roadsides, making them more vulnerable to theft.
Since theft cannot be completely prevented, installing an anti-theft device can significantly reduce the chances of losing your bike.
How do anti-theft devices help?
Anti-theft devices add an extra layer of security to your two-wheeler. They work as deterrents, making it harder for thieves to steal your bike. Some devices also help in tracking and recovering stolen vehicles.
Here’s how they help:
- Prevention of theft: A strong anti-theft device makes stealing difficult and time-consuming, discouraging thieves.
- Lower insurance premiums: Insurance companies offer discounts on the own-damage (OD) premium if your bike has an ARAI-approved anti-theft device.
- Quick recovery: GPS tracking devices help in locating and recovering stolen bikes.
- Peace of mind: Knowing that your bike is secured allows you to park it without constant worry.
Installing a reliable anti-theft device ensures your bike remains protected, whether you park it at home, at work, or on the street.
Types of anti-theft devices for two-wheelers
There are several types of anti-theft devices available for bikes. Some are basic, while others use advanced technology to provide better security.
Here’s a look at the most effective ones:
- GPS trackers
GPS trackers are one of the best security options for two-wheelers. They allow you to track your bike’s real-time location. If your bike is stolen, you can easily locate and recover it with the help of the police.
Many GPS trackers come with mobile apps that send alerts if your bike is moved without your permission. Some even allow remote engine cut-off, preventing the thief from riding away.
- Disc brake locks
A disc brake lock is a simple but effective security device. It locks the brake disc, preventing the wheel from moving. Even if the thief manages to start the bike, they won’t be able to ride it away.
- Handlebar locks
These locks prevent the handlebar from turning, making it impossible to steer the bike. Handlebar locks are compact, affordable, and easy to install.
- Motion-sensor alarms
These alarms detect movement and sound a loud siren if someone tries to tamper with your bike. The noise alerts you and people nearby, scaring away the thief.
- Kill switch
A kill switch cuts off the bike’s ignition, preventing it from starting unless manually switched on. It’s a simple yet effective security feature.
How anti-theft devices affect two-wheeler insurance
Insurance companies reward bike owners for taking security measures. If you install an ARAI-approved anti-theft device, you can get a discount on your two-wheeler insurance premium. The discount applies to the own-damage (OD) component of the insurance.
To avail of this discount, you must:
- Install an ARAI-approved anti-theft device.
- Inform your insurer about the installation.
- Submit proof, such as an invoice or certificate from the installer.
Using a bike insurance app makes it easier to update your insurer and claim discounts on your premium.
How to claim insurance for a stolen bike
Even with the best security devices, theft can still occur. If your bike is stolen, follow these steps to file an insurance claim:
Step 1: File an FIR
Report the theft at your nearest police station and get a copy of the First Information Report (FIR). This is a mandatory document for your claim.
Step 2: Inform your insurer
Call your insurance provider and inform them about the theft. If you have a bike insurance app, you can initiate the claim digitally.
Step 3: Submit the required documents
You will need to provide:
- FIR copy
- Insurance policy documents
- Bike’s registration certificate (RC)
- Claim form
- Original keys (if available)
Step 4: Wait for investigation
The police will investigate the case and try to recover the bike. If the bike is not found within a certain period, they will issue a Non-Traceable Certificate (NTC).
Step 5: Claim settlement
Once the insurer receives the NTC, they will process your claim. The compensation will be based on the Insured Declared Value (IDV) of your bike.
Having a bike insurance app can make this process seamless, allowing you to track your claim status and upload documents easily.
Conclusion
Anti-theft devices are a must for every bike owner. They provide security, prevent theft, and help you save on insurance costs. Insurance companies encourage bike owners to install these devices by offering discounts on premiums.
If you own a two-wheeler, investing in anti-theft measures is a smart decision. It keeps your vehicle safe and reduces financial risks. Also, using a bike insurance app can help you manage your policy, file claims, and stay updated on your insurance benefits.
Take the right steps today to protect your bike and enjoy worry-free rides!
