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What is an ABS Brake System in Bikes
Jun 14, 2024
Remember the screeching sound and skidding of your bike when applying hard brakes? Yes! This is because a few years ago, most bike makers had drum brakes in place, which were more prone to skidding on sudden braking. However, nowadays, two-wheeler makers use the anti-lock braking system (ABS) in bikes instead of the conventional drum brakes. These brakes are noted for improved grip and maintaining good balance while riding. Moreover, motorcycle ABS systems have been shown to lower road accident numbers. This page provides detailed information on ABS brake systems in bikes.
What is an ABS Brake System in Bikes?ABS, which stands for anti-lock braking system, is a safety feature incorporated into motorbikes to prevent wheel lockups in heavy braking situations. When the wheels of a scooter or motorcycle lock up, the rider is not able to control the vehicle, which can lead to sliding and accidents. ABS is a key safety element in motorcycles, protecting against potential slips and improving overall grip for riders.
How Does ABS Work in Bikes?An ABS system in bikes protects its wheels from locking up when braking, thus prevents your bike from slipping or falling during an emergency. Here's how ABS work in bikes:
- ABS consist of three primary components: the wheel speed sensor, the ECU (Electronic Control Unit), and the disc brakes.
- The wheel speed sensor continually tracks the wheel rotation and alerts the ECU if it senses a wheel lock-up.
- The ECU controls the brakes to keep them from locking up. In other words, it continuously releases and applies the brakes until the wheel gains traction. Everything happens in milliseconds.
- ABS ensure that the wheels maintain sufficient traction and continue to rotate despite hard or sudden braking.
- It enables a smooth and controlled stop, lowering the risk of skidding and improving the two-wheeler riding experience.
The majority of prominent bike manufacturers feature ABS as standard or optional equipment. Riders can enjoy bikes with anti-lock braking systems without being worried about skidding or losing control during sudden braking, avoiding serious situations.
Importance of ABS in BikesABS was previously confined to bigger vehicles, such as buses and cars. However, with a growing number of bike mishaps, manufacturers have begun to include ABS in bikes as a standard function to increase safety on the roads and provide the rider with better control, despite the road condition.
ABS is mandatory in India for bikes with engines classified at 150 cc or higher. Although ABS has added costs, it is worthwhile because it can rescue you from a possible accident. As a result, ABS is one of the most important components of bike safety equipment.
Benefits of ABS in BikesIn recent years, the ABS system in two-wheelers has now become a standard safety feature, providing numerous benefits to riders. Here are some of the benefits of ABS in bikes:
- Enhanced safety: It improves safety by preventing the wheels from locking up during hard braking, allowing riders to control the bikes in slippery conditions. It can help to reduce the likelihood of an accident.
- Decrease in stopping distances: It minimises stopping distances, allowing the rider to react faster in a sudden braking situation.
- Better control: It allows the rider to brake more smoothly and gain control over the situation.
- Reduced wear and tear: Without an ABS, the bike rider must release the brake manually to decrease the possibility of the wheels locking. It can lead to irregular tyre wear and put more strain on the brakes. ABS reduce the amount of wear and tear by identifying lockups automatically and adjusting the braking pressure.
- Prevent stop pie: Bikes not having ABS can result in the popping of rear wheels on sudden breaking, known as stop pie. ABS in bikes can prevent this stop pie by providing improved traction and control, even in adverse weather conditions.
- Improved confidence: It offers the rider the trust they need to stop swiftly and safely, which leads to a more enjoyable ride.
- Increased loan approval probability: ABS-equipped bikes are supposed to have longer lifespans. These bikes often have a better resale value than bikes that have conventional braking systems. Even in circumstances of loan failure, the lender can offer a relatively higher price at auction. Therefore, getting funds to buy an ABS bike is comparatively easy.
Here are the key components of ABS in bikes:
- Wheel speed sensors
They are fixed to the bike's wheels to detect the speed of the wheel. When the wheel of the bike is about to lockup, it sends signals to the ABS control unit to adjust the braking pressure.
- Toothed disc
Typically, located inside the disc brake, the toothed disc helps the sensors detect the wheel speed.
- Electronic control units (ECU)
The signals sent by the ABS sensors are received by the ECU, which regulates brake pressure, and avoids wheel lockup. It is commonly found underneath the bike's seat.
- Valves/Modulator
Located at the brake callipers, valves control the pressure at the brakes.
- Pump
Some ABS units have a pump to quickly raise brake pressure in the event of unexpected braking.
- Actuator
The actuator physically regulates the pressure of the brakes and works alongside valves to prevent the wheels from locking up. It is controlled mostly by the ECU.
Although ABS has been tested and verified, there is still disagreement concerning its usefulness. Here are some common misconceptions concerning ABS in two-wheelers:
| Misconception | Matter of Fact |
| ABS reduce brake effectiveness | ABS brake system has no impact on brake effectiveness. It improves stopping power while reducing stopping distance. |
| ABS is only for novices | ABS is designed to provide a higher level of protection and safety during severe braking. Even skilled riders can face unexpected circumstances or commit mistakes, and ABS can help lessen the consequences. |
| ABS is only useful in wet areas | ABS in bikes can operate in a range of road conditions, such as wet, dry, and uneven terrain. ABS has been shown to be more efficient than motorbikes without ABS in all types of terrain. |
Conclusion
Although ABS is not a mandatory feature and does not incur any penalties for not having it if your bike has this feature, the safety on roads while sudden braking can be significantly improved. However, always remember that if you think that ABS will help you prevent accidents, no matter how rashly you drive your bike, you are mistaken. Also, it is essential that you have bike insurance in place to be prepared for any unfortunate incidents. Research bike insurance details and documents required for bike insurance thoroughly before purchasing a bike insurance plan for comprehensive benefits.
FAQs About the ABS system in bikes
Which is more effective: ABS or non-ABS?ABS is always recommended since it prevents the vehicle's wheels from lockup and allows the rider to maintain good control at all times.
Is the ABS brake system safe in two-wheelers?ABS is safe in bikes. In fact, it is an important safety component on a two-wheeler.
What is the purpose of ABS?The purpose of ABS is to avoid skidding caused by wheels seizing up due to rapid braking.
Is ABS compulsory for all two-wheelers in India?No, anti-lock braking systems are not required on all motorbikes and scooters in India.
Due to the level of safety, it provides, the government recently made ABS compulsory in India for motorcycles with engines of 150cc or more.
How often do I need to service my bike's ABS?ABS servicing periods in motorcycles and scooters vary depending on the brand and model. Please refer to the owner's manual or the maker's website for recommended servicing intervals.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
Recent Blogs
Motor Insurance
5 Important Facts About Voluntary Car Deductibles
Car insurance can be a bit confusing, with lots of terms to understand. One term you might not have heard much about is the voluntary deductible. But don't worry, let’s break down the concept of voluntary car deductibles for you. Here, we'll explain what is voluntary deductible in car insurance is and why it's important for your insurance. By the end, you'll have a clearer picture of how it affects your coverage and your wallet.
What is Voluntary Deductible in Your Car Insurance?
A voluntary deductible in your car insurance is like a personal contribution you agree to make when you need to claim insurance for any damages. While there are compulsory deductibles set by the insurance company, the voluntary one is your choice.
Think of it as sharing the costs with your insurance provider. If you choose a higher voluntary deductible, it means you're willing to pay more out of your pocket when you make a claim. This decision can lead to paying lower premiums, which are the regular payments you make for your insurance.
For example: Let's say you file a claim for damages worth ₹20,000, and your voluntary deductible is ₹2,000. In this case, your insurance provider will subtract ₹2,000 from the claim amount and give you ₹18,000.
How Does Voluntary Deductible Help in Reducing Premiums?
Choosing a voluntary deductible can be like a balancing act between how much you pay upfront and how much you pay later if something happens to your car. When you go for a higher voluntary deductible, it means you're agreeing to pay more from your pocket if you ever need to make a claim.
But here's the catch: by taking on more of that risk yourself, you can actually pay less each month for your insurance. Insurers see it as a sign that you're pretty confident in your driving skills and less likely to have accidents. So, if you've got a good track record on the road and feel pretty confident behind the wheel, choosing a voluntary deductible could mean saving money on your premiums each month.
5 Important Facts About Voluntary Deductible in Car Insurance
You Need to Pay the Voluntary Deductible Only if You Make a Claim: When you go for a voluntary deductible, you're agreeing to pay a certain amount out of your own pocket if you ever need to make a claim. The good news is, you only have to pay this amount if you actually make a claim. So, if your car stays safe and you don't need to use your insurance, you won't have to pay the deductible at all. This means you're not spending money on something you might never need.
Voluntary Deductible Is Not the Same as Co-payment: It's important to understand that a voluntary deductible is different from a co-payment. With a co-payment, you usually pay a percentage of the claim amount, but with a voluntary deductible, you agree to pay a fixed amount upfront. So, while a co-payment can vary depending on how much your claim is worth, your voluntary deductible stays the same no matter what.
Voluntary Deductible Is Not an Additional Expense: Some people worry that choosing a voluntary deductible will mean paying extra on top of their regular premiums. But that's not the case at all. When you opt for a voluntary deductible, you're simply adjusting how much you're willing to pay if you need to make a claim. It's like choosing a higher excess on your car insurance – it might mean more out of pocket if something happens, but it can also mean lower premiums overall.
The Compulsory Deductible Is Not Eliminated Even if You opt for Voluntary Deductible: Even if you choose a voluntary deductible, you still have to pay the compulsory deductible set by your insurance company. This is a standard amount that applies to all policies and helps cover the insurer's costs. So, when you make a claim, you'll need to pay both the compulsory and voluntary deductibles before your insurer covers the rest.
Opting for a Voluntary Deductible Is Not Always Beneficial: While going for a voluntary deductible can save you money on your premiums, it's not always the best choice for everyone. If you live in an area with lots of accidents or have a history of making claims, a higher deductible could end up costing you more in the long run. It's important to weigh the potential savings against the risk of having to pay more if something goes wrong.
Should You opt for a Voluntary Deductible or Not?
The decision to go for a voluntary deductible hinge on individual risk appetite, driving habits, and financial considerations. While it offers potential premium savings, it also has higher out-of-pocket expenses during claims. Thus, car owners should assess their risk exposure and financial capability before choosing a voluntary deductible.
Conclusion
In conclusion, choosing the right voluntary deductible can really help you manage your car insurance costs effectively.
If you're looking to boost your car insurance, SBI General's Private Car Insurance Policy - Package is a great choice. It covers everything from minor damages to major accidents, and with a high claim settlement ratio and a wide network of cashless garages, you're in good hands.
Interested in worry-free driving with top-notch coverage? Give SBI General's car insurance a look-it might just be the perfect fit for your needs!
FAQ's
What is difference between Does a Voluntary Deductible vs Compulsory Deductible?Compulsory deductibles are predetermined by insurers and mandatory for all policies, while voluntary deductibles are chosen by policyholders and affect premium costs.Read more:Compulsory vs voluntary deductible in car insurance: What are the differences?
Will Opting for a Higher Voluntary Deductible Result in Lower Premiums?Yes, selecting a higher voluntary deductible typically leads to reduced premiums, as policyholders assume a greater share of the claim burden.
How Does a Voluntary Deductible Impact the Claim Settlement Process?Policyholders must pay both compulsory and voluntary deductibles upon claiming insurance benefits, influencing the final settlement amount.
Will My Voluntary Deductible Reset If I Make a Claim?No, voluntary deductibles in car insurance remain unchanged unless adjusted by the policyholder during policy renewal.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
Motor Insurance
What is the Meaning of Subrogation in Insurance?
Accidents are quite stressful to deal with, especially if their occurrence is not your fault. Furthermore, there are times when the third–party that caused the accident tries to ignore the responsibility of their actions. This is where subrogation can come to the rescue. To help you gain a better understanding, we look at subrogation meaning in insurance.
Subrogation definition
Subrogation is the legal right that you give the insurance company to sue and claim compensation from the third–party that has caused the accident. The insurer can only pursue the third–party for the compensation after disbursing the claim amount to you, the first party.
Let’s understand this with an example. Suppose you get into an accident that is not your fault. When you ask the third–party to compensate you for the losses, they blatantly refuse to do so. Hence, you approach your comprehensive motor insurance provider for the compensation. After validating your insurance claim, the insurer will disburse your compensation from the own damage component of your comprehensive insurance policy. In exchange of the funds, you will have to transfer your rights of suing the third–party to your insurance company.
After disbursing the compensation to you, the insurer will take it upon themselves to take legal action against the third–party in order to get back the money they owe. Hence, you do have to deal with the third–party yourself. You can just take the compensation from your insurer and let them deal with the person that caused the accident.
What if someone is subrogating you?
If you have caused the accident, it is only fair to compensate the other person for the damages. However, if that is not feasible, you can ask them to waive their right of subrogation. If the first party agrees to do so, you will not be pursued by their insurer for the compensation. Here it is important to remember that the waiver of subrogation is chargeable by the insurer. Thus, you might have to pay these charges in order to avoid a lawsuit against you.
Things to know about subrogation in insurance
Now that we know subrogation meaning in insurance jargon, let’s look at a few things you need to keep in mind:
Subrogation is applicable on all indemnity insurance plans, such as health insurance plans, motor insurance plans, and property insurance plans among many others.
You can sue the third–party even after exercising your right to subrogation. However, due to your transfer of rights to the insurer, you will not be compensated for the same damages again.
Once you exercise your right of subrogation, you longer need to get involved in the matter. Your insurance company will resolve the issue directly with the third–party.
When your insurer sues the third–party, the lawsuit is fought by the insurance company of the third–party and not the third–party themselves.
The terms of the subrogation process may vary from one insurer to the other. However, a subrogation clause is mentioned in your insurance policy. This clause defines the different terms and conditions that are applicable for the subrogation process. Hence, it is better to read and understand the fine print of your insurance policy before making the purchase.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
Motor Insurance
Benefits of Zero-Depreciation Car Insurance
Benefits of Zero-Depreciation Car Insurance
A car insurance is purchased with the objective of getting compensation in case the car gets damaged in future due to accidents or natural calamities. One important factor that you need to keep in mind while filing for compensation is the depreciating value of the car. The insurance company, in the event of a claim, will only compensate you after deducting the cost of depreciation attached to different car parts. This would result in lesser compensation by the insurance company and hence higher burden on you. Therefore, it is vital to understand the benefits of zero depreciation car insurance.
Understanding Depreciation
Depreciation means the reduction in your tangible asset’s value owing to wear and tear. To understand what is the benefit of zero depreciation car insurance, let us look at the standard depreciation rates. According to the Insurance Regulatory and Development Authority of India (IRDAI), the following depreciation rates are applicable:
No deduction on vehicle parts made of glass
30% deduction on fiberglass components
50% deduction on components made up of rubber, nylon, or plastic like airbags, tires, tubes and batteries
Overall Depreciation Rate for Vehicles
Age Of Vehicle
Percentage of Depreciation
Not more than 6 months
5%
6 months – 1 year
15%
1 year – 2 years
20%
2 years – 3 years
30%
3 years – 4 years
40%
4 years – 5 years
50%
Overall Depreciation Rate for Vehicles Metallic Parts
Age Of Vehicle
Percentage of Depreciation
Not more than 6 months
-
6 months – 1 year
5%
1 year – 2 years
10%
2 years – 3 years
15%
3 years – 4 years
25%
4 years – 5 years
35%
5 years – 10 years
40%
More than 10 years
50%
Zero Depreciation Insurance Benefits
Opting for a zero-depreciation cover, under your comprehensive car insurance policy can serve you well in situations of need. The depreciation attached to your insured vehicle will only increase with time. Say, if your insured vehicle was involved in an accident and the claim amount comes out to be Rs 50,000, and depreciation on your vehicle is Rs 20,000 and you do not have the zero-depreciation cover, the insurance company will only pay you Rs 30,000 after factoring in the depreciation costs. However, if you had opted for the zero-depreciation cover, the entire Rs 50,000 claim would be met in full by the insurance company.
Factors Affecting Zero Depreciation Premium
The inclusion of the zero-depreciation cover on your car insurance policy will result in an overall increase in insurance premiums. However, the long-term benefits of this cover would fully justify this higher premium outlay. Ideally, it is said to have an upward impact of approximately 15% on your car insurance premiums. Some factors which affect this cover are:
Age of the vehicle
Make and model of the vehicle
Geographical location of the vehicle
Insured Declared Value
Fuel Type
Exclusions in Zero Depreciation Cover
While the benefits of zero depreciation insurance are aplenty, there are certain exclusions applicable to this coverage.
Intoxicants: Those driving under the influence of intoxicants are excluded from the coverage during claims.
Driver’s Licence: Your driver’s licence is an all-important document, which must be valid, to receive benefits through a claim.
Compulsory deductibles: A deductible is a mandatory amount that you must pay, before the insurance company covers you for the rest of the damages. A zero-depreciation cover would also mandate you to pay your share.
Mechanical Breakdowns: General breakdowns due to the insured vehicle’s own engine cannot be claimed through zero-depreciation cover.
Conclusion:
Purchasing a car is a big decision. With the right kind of add-ons to your basic policy, you will be safeguarding your own pockets. A zero-depreciation is a great add-on to have on your comprehensive car insurance policy.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
Motor Insurance
Complete Guide to Bharat NCAP: Understanding Car Safety Ratings
Are you concerned about the safety standards of cars you encounter daily on the bustling streets? The entry of the Bharat New Car Assessment Programme (NCAP) resolves this problem and is a unique solution.
This initiative, backed by the government, strictly scrutinises the safety performance of passenger vehicles via comprehensive NCAP crash tests and assessments. So let’s take a detailed look and understand what NCAP is, what it means to us that there is NCAP for Indian cars and how it shifts vehicle safety standards across the nation.
Bharat NCAP - An Overview:
Bharat NCAP introduces an indigenous star-rating system to check the safety of cars in India. Under this program, manufacturers voluntarily nominate vehicles for crash testing based on protocols already aligned with Automotive Industry Standard 197.
Passenger vehicles with up to eight seats and a gross weight under 3,500 kg are eligible for evaluation. The program aims to increase vehicle safety by analysing and scrutinizing structural integrity, child safety features, and occupant protection. This initiative might potentially help many Indians be safe on the streets, as it might avoid unnecessary accidents caused by basic structural malfunction.
Ratings and Tests of Bharat NCAP:
Bharat NCAP conducts crash tests to assign star NCAP safety ratings ranging from 1 to 5 Stars, with 5 being the highest. The NCAP rating system tests evaluate Adult Occupant Protection (AOP), Child Occupant Protection (COP), and the Fitment of Safety Assist Technologies.
Protocols included in the tests are Front Impact, Side Impact, and Side Pole conducted at specified speeds. Ratings are based on adult and child safety criteria, with minimum score requirements for each star rating.
Which Vehicles Will Qualify in Bharat NCAP?
Vehicles falling under the M1 category, which can carry up to eight occupants and weigh under 3.5 tonnes, usually qualify for Bharat NCAP evaluation. This includes cars produced or imported into India, CNG, and electric vehicles. The program aims to include a wide range of vehicles to promote safety across diverse segments.
How Does Bharat NCAP Work?
The process begins with manufacturers nominating base models for evaluation assessment. Selected vehicles undergo crash testing at a designated facility, with representatives witnessing the tests to maintain the test’s authenticity.
Upon approval, Bharat NCAP discloses and publishes ratings accompanied by certificates issued by the Central Institute of Road Transport (CIRT).
Bharat NCAP vs Global NCAP:
While Bharat NCAP focuses on India-specific safety challenges, Global NCAP operates internationally and sets global safety standards. Bharat NCAP ratings reflect local road conditions and challenges, while Global NCAP sticks to general international benchmarks. Both organisations employ star rating systems to denote safety levels, but with distinct criteria and interpretations.
Conclusion:
Bharat NCAP has emerged as an excellent initiative for promoting vehicle safety in India. As demand for safer cars rises, consumers can make informed decisions based on safety ratings so that they and others on the road can always stay protected. However, ensuring safety doesn't end with vehicle selection; it extends to obtaining comprehensive car and two-wheeler insurance for proper financial protection.
Getting car insurance and two-wheeler insurance for your motorbike will keep your mental well-being safe by ensuring you are financially protected. As we applaud initiatives like Bharat NCAP, let's prioritise safety at every turn to safeguard ourselves and our vehicles.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
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