MAM
Breaking Down the Report: Why Two-Wheeler Insurance is Getting More Expensive and What Drivers Can Do
Two-wheeler premiums are rising, and many riders saw it on their latest bike insurance policy renewal. The causes are clear: parts and labour inflation, higher medical costs, denser traffic, and periodic third-party rate revisions. In this article, you’ll learn why two-wheeler insurance is getting more expensive, what’s driving the numbers, and what you can do as a rider to manage premiums without compromising on safety or coverage.
Why Two-Wheeler Premiums are Rising
Insurers don’t increase premiums randomly. They are balancing the money collected as premiums against what they pay out as claims. When the second number starts catching up with or overtaking the first, prices change.c
1. Repairs And Medical Care Cost More Than Before
Spare parts, labour at workshops, and garage infrastructure have all become more expensive. Modern bikes come with electronics, sensors, and premium parts, which push repair bills up even after a moderate accident.
Hospitalisation and treatment costs have also risen. When injuries are involved, claims cover more than just the vehicle. Insurers price in these higher expected costs.
2. More Frequent And Severe Claims
Traffic density is higher in urban and semi-urban areas. More vehicles, longer commute times, and distracted riding raise accident rates and average claim amounts. If claim frequency or severity rises across the portfolio, premiums follow.
3. Regulatory And Compliance Factors
Third-party liability cover is legally mandatory. When third-party rates are revised, insurers must reflect those changes. Compliance, digital security, and fraud-control systems add to operating costs, indirectly influencing pricing.
4. Changing Risk Profile Of Riders
Usage patterns have shifted. Many riders use two-wheelers for deliveries and longer daily distances. Even if your own usage is modest, overall exposure may be higher, nudging baseline rates up, especially for profiles linked to more claims.
What Riders can Do To Stay Protected And Control Costs
You can’t control inflation or regulatory moves, but you can take steps to keep premiums efficient while staying adequately covered.
Optimise Coverage And Add-On Covers
Start by checking whether your plan matches how you ride.
● Maintain own-damage cover along with mandatory third-party cover. Dropping own-damage to save a little can backfire if your bike is stolen or severely damaged.
● Review add-on covers for real-world fit. Roadside assistance, engine protection, or consumables cover can be valuable, but avoid stacking add-ons “just in case.”
A zero depreciation policy (zero-dep add-on) is a good example. It costs more because the insurer won’t deduct part depreciation during a claim. For newer bikes, it can significantly improve payout. For older vehicles with lower IDV, the extra cost may not always be justified. Reassess every renewal rather than auto-selecting it.
Use IDV And Deductibles Wisely
IDV is the maximum you receive for total loss or theft. Setting it too low to cut premium risks under-compensation later; inflating it only raises the premium without real benefit.
Voluntary deductibles lower your premium if you’re willing to pay a higher out-of-pocket share per claim. This helps riders who expect to claim only for major incidents and can self-fund minor fixes.
Protect Your Claim History
A clean record earns No Claim Bonus (NCB), reducing premiums over time.
● Settle minor scratches or cosmetic fixes yourself.
● Ride defensively: observe speed limits, avoid risky manoeuvres, and be extra cautious at night or in the rain.
Fewer incidents protect both your finances and your renewal benefits.
Make The Claim Process Smooth And Transparent
When you buy bike insurance online or comprehensive bike insurance, understanding the claim process in advance saves time and reduces friction. Inform your insurer immediately and follow the documentation steps carefully.
● Inform your insurer immediately and follow the documentation steps.
● Prefer authorised network garages for cashless settlement and smoother coordination.
● Share accurate incident details; inconsistencies can lead to deductions or rejection.
The Bottom Line
Two-wheeler premiums are rising for data-driven reasons: expensive repairs, increased claim frequency, regulatory updates, and shifting rider behaviour. You can’t escape these trends entirely, but you can make sharper choices: align coverage to usage, select meaningful add-on covers, reassess a zero depreciation policy annually, protect your NCB, and understand the claim process before you need it. Do that, and you’ll stay well protected on the road while keeping insurance costs under control.
MAM
Nielsen launches co-viewing pilot to sharpen TV measurement
Super Bowl pilot to refine how shared TV audiences are counted
MUMBAI: Nielsen is taking a fresh stab at one of television’s oldest blind spots: how many people are actually watching the same screen. The audience-measurement giant on February 4 unveiled a co-viewing pilot that uses wearable devices to better capture shared viewing, starting with America’s biggest broadcast stage.
The trial begins with Super Bowl LX on NBC on February 8, 2026, before extending to other high-profile live sports and entertainment events in the first half of the year. The goal is simple but commercially potent: count viewers more accurately, especially during live spectacles that pull families and friends to one screen.
The new approach leans on Nielsen’s proprietary wearable meters, wrist-worn devices that resemble smartwatches. These passively capture audio signatures from TV content, logging exposure to shows, films and live events without requiring viewers to sign in or self-report. In theory, fewer clicks, fewer lapses, better data.
Karthik Rao, Nielsen’s ceo, cast the move as part of a broader measurement push. He said the company’s task is to keep pushing accuracy as clients invest heavily in live programming that draws mass audiences. The co-viewing pilot, he added, builds on upgrades such as Big Data + Panel measurement, out-of-home expansion, live-streaming metrics and wearable-based tracking.
Co-viewing is not new territory for Nielsen, which has long tried to estimate how many people sit before a single set. What is new is the heavier integration of wearables and passive detection to reduce reliance on active inputs from panel homes.
For now, the pilot comes with caveats. Co-viewing estimates from the trial will not be folded into Nielsen’s Big Data + Panel ratings, which remain the industry’s trading currency. Instead, pilot findings will be shared with clients a few weeks after final Big Data + Panel ratings are delivered. Clients may disclose those findings publicly.
More impact data will follow later this year. Full integration into Nielsen’s marketing-intelligence suite is slated as a longer-term play, with a target of bringing co-viewing into currency measurement for the 2026–2027 season. This is only phase one, with further co-viewing enhancements planned beyond 2026 and additional timelines to be announced.
The push fits a wider pattern. Nielsen has in recent years expanded big-data integration, adopted first-party data for live-streaming measurement and broadened out-of-home tracking. It also positions itself as the reference point for streaming metrics through products such as The Gauge and the Nielsen Streaming Top 10.
In a market where billions of ad dollars hinge on decimal points, counting who is in the room matters. If Nielsen can pin down shared viewing, the humble sofa could become prime measurement real estate. The race to count every eyeball just found a new wrist to watch.
Brands
Delhivery chairman Deepak Kapoor, independent director Saugata Gupta quit board
Gurugram: Delhivery’s boardroom is being reset. Deepak Kapoor, chairman and independent director, has resigned with effect from April 1 as part of a planned board reconstitution, the logistics company said in an exchange filing. Saugata Gupta, managing director and chief executive of FMCG major Marico and an independent director on Delhivery’s board, has also stepped down.
Kapoor exits after an eight-year stint that included steering the company through its 2022 stock-market debut, a period that saw Delhivery transform from a venture-backed upstart into one of India’s most visible logistics platforms. Gupta, who joined the board in 2021, departs alongside him, marking a simultaneous clearing of two senior independent seats.
“Deepak and Saugata have been instrumental in our process of recognising the need for and enabling the reconstitution of the board of directors in line with our ambitious next phase of growth,” said Sahil Barua, managing director and chief executive, Delhivery. The statement frames the exits less as departures and more as deliberate succession, a boardroom shuffle timed to the company’s evolving scale and strategy.
The resignations arrive amid broader governance recalibration. In 2025, Delhivery appointed Emcure Pharmaceuticals whole-time director Namita Thapar, PB Fintech founder and chairman Yashish Dahiya, and IIM Bangalore faculty member Padmini Srinivasan as independent directors, signalling a tilt towards consumer, fintech and academic expertise at the board level.
Kapoor’s tenure spanned Delhivery’s most defining years, rapid network expansion, public listing and the push towards profitability in a bruising logistics market. Gupta’s presence brought FMCG and brand-scale perspective during a period when ecommerce volumes and last-mile delivery economics were being rewritten.
The twin exits, effective from the new financial year, underscore a familiar corporate rhythm: founders consolidate, veterans rotate out, and fresh voices are ushered in to script the next chapter. In India’s hyper-competitive logistics race, even the boardroom does not stand still.
MAM
Meta appoints Anuvrat Rao as APAC head of commerce partnerships
At Locofy.ai, Rao helped convert a three-year free beta into a paid engine, clocking 1,000 subscribers and 15 enterprise clients within ten days of launch in September 2024. The low-code startup, backed by Accel and top tech founders, is famed for turning designs into production-ready code using proprietary large design models.
Before that, Rao founded generative AI venture 1Bstories, which was acquired by creative AI platform Laetro in mid-2024, where he briefly served as managing director for APAC. Alongside operating roles, he has been an active investor and advisor since 2020, backing startups such as BotMD, Muxy, Creator plus, Intellect, Sealed and CricFlex through a creator-economy-led thesis.
Rao spent over eight years at Google, holding senior partnership roles across search, assistant, chrome, web and YouTube in APAC, and earlier cut his teeth in strategy consulting at OC&C in London and investment finance at W. P. Carey in Europe and the US.
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