What Should You Know Before Buying A Motorcycle?
Written by Upstox Desk
4 min read | Updated on July 25, 2025, 12:47 IST
Determine Your Purpose and Riding Style
Choose the Right Engine Capacity
Total Cost of Ownership: Look Beyond the Sticker Price
Insurance is Not Optional—It's Essential
Prioritize Safety and Rider Gear
Evaluate Resale Value and After-Sales Service
Financing and Bundled Insurance: A Smart Move
Conclusion
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Acquiring a motorcycle is a big step and generates thrill, whether you are a first-time biker or an experienced rider. In addition, if you are upgrading your two-wheeled vehicle, a logical approach to the buying process is necessary. Each process step shapes your overall riding experience from the motorcycle to the insurance. Consider the key aspects before you buy a bike, and look into some of the insurance providers on Upstox that can help you protect your bike and improve your riding experience while making a positive dent on your finances.
Determine Your Purpose and Riding Style
Before entering a motorcycle showroom, determine your riding requirements. Are you looking for a commuter, a super highway cruiser, or an adventure tourer? Lightweight motorcycles have a minimum cost. While insured long-distance champions, variety, comfort, engine life, and the capability to carry luggage safely and securely become paramount. Once you understand your requirements, it will help keep you on track, reduce being overcharged, and avoid unnecessary options.
Choose the Right Engine Capacity
Motorcycles are available in various engine sizes directly related to performance, fuel efficiency and pricing. Here's a simple guide to help you determine which engine size meets your intended use:
Bike Engine Capacity & Rider Recommendation
| Engine Capacity | Type of Riding | Recommended For |
|---|---|---|
| 100cc – 125cc | City commuting | Beginners, students, and daily commuters |
| 150cc – 250cc | Urban + occasional touring | Balanced use and better performance |
| 300cc – 500cc | Touring, highway rides | Enthusiasts, long-distance riders |
| 600cc and above | Performance & adventure | Experienced riders |
Choosing the right category will give you a smooth, safe ride that fits your lifestyle.
Total Cost of Ownership: Look Beyond the Sticker Price
The cost of a bike doesn’t stop with the price tag. There are ongoing costs, such as fuel, servicing, spare parts, and insurance. Some bikes can have low upfront costs, but will require a greater amount of maintenance. It makes sense to compare not only the features but also the ongoing costs.
Fortunately, other platforms, such as Upstox, will finance the bike and integrate with partner insurance companies, including Bajaj Allianz General Insurance Co. Ltd., Tata AIG General Insurance and others.
Insurance is Not Optional—It's Essential
Motorcycle insurance is mandatory in India; it’s your financial safety net. Comprehensive two-wheeler insurance offers protection against:
Accidents
This policy covers damages to your motorcycle and bodily injuries from collisions, regardless of fault. It provides financial support for repairs and treatment.
Theft
It provides compensation if your motorcycle is stolen, helping you recover the financial loss by reimbursing the insured value of the vehicle after the necessary investigation.
Natural Disasters
This policy covers repair or replacement costs from floods, earthquakes, cyclones, and storms caused by natural calamities beyond your control.
Third-party Liabilities
Covers responsibilities if your motorcycle injures someone or damages property, including compensation, legal fees, and medical costs.
Bajaj Allianz, Tata AIG, and HDFC ERGO provide bike insurance plans tailored to riders. Upstox allows policy seekers to compare features such as cashless garages, 24/7 claim support, and zero depreciation cover.
Prioritize Safety and Rider Gear
Safety should never be compromised. Make sure your bike has the following:
ABS
Modulates brake pressure to prevent the wheels from locking up during fast stops. This feature improves stability and control on wet and slippery returns, lowering the risk of accidents.
Disc Brakes
Higher-powered brakes than drums allow better stopping distances. These brakes allow for better heat dissipation and absorb energy better during emergency stops, especially if riding at higher speeds or in heavy braking traffic.
LED Headlamps
Use less energy consumption while improving light output and visibility at night, making it easier for other drivers to see your motorcycle.
Tubeless Tyres
They reduce the chance of sudden deflation when a puncture occurs while also improving safety, making it more manageable to repair a flat, and allowing for better grip and fuel consumption than a traditional tubed tyre.
Invest in high-quality safety gear
A certified helmet, riding jacket, gloves, knee guards, and boots. Your safety should always come first, whether riding short distances or long trips.
Evaluate Resale Value and After-Sales Service
Before you make a purchase, think about future resale value. Property sells for more if it has strong service networks and is well reviewed by customers. In addition, ask about warranty and service intervals. A bike that has been maintained well and has had servicing intervals documented will always be sold for a higher price when you sell it.
Financing and Bundled Insurance: A Smart Move
If you plan to buy a motorcycle on credit, choose financing options with lower interest rates and processing fees. Many e-commerce sites, like Upstox, are useful because they allow you to get loans and insurance from different categories simultaneously. You will get the plans from reputable names like:
- Bajaj Allianz General Insurance Co. Ltd.
- Tata AIG General Insurance Co. Ltd.
- ICICI Lombard General Insurance Co. Ltd.
- HDFC ERGO General Insurance Co. Ltd.
Which means convenience, cheaper insurance premiums and smooth claims all in one place.
Conclusion
Purchasing a motorcycle can affect your safety, finances and lifestyle. Take the time to determine your needs, your budget beyond the showroom price and your insurance. All the major providers, including Bajaj Allianz, Tata AIG, HDFC ERGO and others, will send you on your way. Gather your gear and make the decision, then ride safely.
About Author
Upstox Desk
Upstox Desk
Team of expert writers dedicated to providing insightful and comprehensive coverage on stock markets, economic trends, commodities, business developments, and personal finance. With a passion for delivering valuable information, the team strives to keep readers informed about the latest trends and developments in the financial world.
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