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Scooter Insurance

Quick bike policy purchase. Lightning-fast renewal. Hassle-free claims.

Bike insurance starting at ₹457*

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UID: 5667 | *T&Cs apply

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Two-wheeler Insurance Online

Home / Two-wheeler Insurance / Scooter Insurance: Buy/Renew Scooty Insurance Policy Online

Scooter insurance is basically a two-wheeler insurance plan that can cover third-party liabilities and damages to the scooter, depending on the terms and conditions of the chosen policy. For instance, a Third-party Scooter Insurance Plan (Liability-only Policy) will only cover damages to the third-party property and injury/death of a third party, while a Comprehensive Scooter Insurance Plan will offer all the benefits of the Third-party Liability Policy and cover damages to the scooter. 

Key Features and Importance of ACKO’s Scooter Insurance
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You get the following benefits when you buy scooty insurance policy from ACKO.

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Low Premium
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ACKO offers one of the lowest-priced bike insurance policies in the market thanks to the no-commission model and reduced operational costs. These benefits are passed on to you as discounts on bike insurance premium.

Super Fast and Easy

No Pre-inspection
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The purchase process at ACKO is super fast as we don't inspect your scooter when you buy or renew the insurance policy. Just answer a few questions related to the scooter and go through the available plans. Make the payment, and get the policy instantly!

Instant Claim Settlement

Instant Claim Settlement
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ACKO's policyholder does not have to go through the entire claim process if the scooter has suffered minor damages. Simply tell us a few details about the damage and we will try to settle the claim within a few hours.

Types of Scooter Insurance Policies on ACKO
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Following are the two main types of scooter insurance plans available at ACKO.

Third-party Cover
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The Motor Vehicles Act, 1988 states that all scooter owners must buy a bike insurance plan to safeguard financial liabilities related to the scooter with at least a Third-party Liability cover. This plan includes third-party property damage and injuries/death. Third-party scooter insurance also takes care of any legal liabilities arising out of an accident of the insured scooter.

Comprehensive Cover
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The Comprehensive Scooter Insurance Policy is exhaustive; it covers damages to the insured scooter along with all the third-party liabilities. Damages due to fire, accident, theft, natural calamities, man-made calamities, total loss (damage beyond repair), etc., are covered under this plan. Even though buying a comprehensive plan is not mandated by the law, it is a good idea to get this coverage as it provides all-around insurance.

Scooter Insurance Premium Calculator
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Premium Calculator for scooter insurance is an online tool that helps you understand the approximate amount of money you need to pay to buy bike insurance. Many insurance companies, for example, ACKO, have included a premium calculator in the purchase journey of scooter insurance.

You just have to answer a few questions related to the scooter and the type of insurance you need. The calculator will show an insurance quote. You can even tweak a few options through the purchase process and see how the quote changes. The Scooter Insurance Premium Calculator gives you an idea of how much you need to spend on its premium. 

How are the Premium Costs of Your Scooter Insurances Calculated?
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The following factors are taken into account while calculating the cost of a scooter insurance policy.

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The scooter insurance premium varies depending on the brand and model. Expensive scooters typically have higher premiums as their market value is higher.

Age of the scooter
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The age of the scooter is indirectly proportional to the scooter insurance premium. The more the age of the scooter, the less the premium will be.

Insured Declared Value
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The Insured Declared Value also affects the premium. The higher the IDV, the higher the premium.

Claim history
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If you have a good claim history, which indicates that you have made no claims in the past few years, then chances are that the premium will be lower.

Type of Two-wheeler Policy
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The type of two-wheeler policy also affects the scooter insurance premium. For instance, the premium of a comprehensive policy is higher than other policies.

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The inclusion of add-ons increases the premium you pay for your scooter insurance policy. 

What is Covered

What is not covered

What is Covered Under Scooter Insurance Policy?
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Listed below are the inclusions of the Scooter Insurance policy:

  • Any damage due to natural calamity or fire outbreak

  • If the scooter gets stolen or lost

  • If a third party is injured or damaged due to the insured scooter

  • Personal Accident Cover

  • If there are substantial damages to the scooter due to an unpredictable accident

What is Not Covered Under Scooter Insurance Policy?
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There are a few exclusions to the Scooter insurance policy, such as:

  • Normal wear and tear

  • If the scooter gets damaged outside the geographical area prescribed in the policy

  • Damage caused when the rider was under the influence of alcohol or was overspeeding

  • Riding a scooter without wearing a helmet or driving license

So, read the policy inclusions and exclusions before buying a two-wheeler insurance policy for your scooter. 

Third-party Scooter Insurance Premium rates
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The premium rates for scooter insurance are calculated by the insurance regulatory body IRDAI (Insurance Regulatory and Development Authority of India). The premiums are based on the scooter’s engine capacity. The insurance regulator revises the premium rates periodically. Here are the Third-party Scooter Insurance Premium rates with effect from April 2022.

Scooters with engine cubic capacity (cc) Third-party scooter insurance premium
Not exceeding 75cc Rs. 538
Exceeding 75cc but not exceeding 150cc Rs. 714
Exceeding 150cc but not exceeding 350cc Rs. 1,366
Exceeding 350cc Rs. 2,804

Benefits of Buying ACKO's Scooter Insurance Policy Online
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Take a look at the following benefits of buying your two-wheeler insurance online.

Convenient Purchase Process
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Buying scooter insurance online is way more easy and convenient as compared to buying the policy from an agent. You can insure the scooter from any internet-enabled device like your phone or a laptop. Simply create a profile on your insurer's website, for example,, select the insurance plan, and buy the policy.

Compare Insurance Plans
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Comparing scooter insurance plans manually would be so tedious. But online insurance allows you a straightforward comparison between features, add-ons, and the price of insurance plans. You can simply compare bike insurance plans within a few clicks and know the distinct features of each plan.

No Confusing Paperwork
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Offline or manual insurance requires a lot of paperwork. You need to fill lengthy forms, sign multiple documents, and read sentences printed in the smallest of fonts. You may miss important terms and conditions in all this hurried paperwork. This is eliminated from online bike insurance. The process is quick, transparent, and easy.

How to Buy Scooter Insurance Online from ACKO?
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Buying a scooter insurance policy from ACKO is an instant process. The following steps will help you buy bike insurance from ACKO.


Step 1
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Visit or download ACKO's mobile app


Step 2
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Enter all the details required to create your scooter insurance policy


Step 3
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Go through the suggested insurance plans and understand coverage details.


Step 4
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Your scooter insurance policy will be instantly generated and sent to your registered email address.

How to Make Scooter Insurance Claim?
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Making a claim against your scooter is easy due to the all-digital claim process of ACKO. Ensure that you have an active internet connection and an internet-enabled device. Here are the steps for raising a scooter claim against your ACKO Bike Insurance Policy.

Step 1: Use your registered mobile number to log in to your ACKO profile

Step 2: Select your scooter and click on "Claim Now"

Step 3: Enter claim-related details and upload required documents

*The premium rates mentioned are for EV two-wheelers not exceeding 3KW

Frequently Asked Questions
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Here are some of the most asked questions about a scooter insurance policy. Feel free to get in touch with ACKO in case of more queries by sending an email to [email protected]

Commonly Asked Questions About Scooter Insurance


My scooter has an engine with a 50 cc displacement, do I need to buy bike insurance?

Yes, you need to buy bike insurance for your scooter if you want to ride it on the Indian streets. 

I am on a budget and need to buy bike insurance. What should I do?

Please click on the Bike Insurance link to buy insurance at a low price. ACKO is a digital-first insurance company that works on a no-commission model and can easily offer a low-priced bike insurance policy for you.

Which documents do I need to initiate a Two-Wheeler Claim Process at ACKO?

You do not need any physical documents to make a scooter insurance claim at ACKO. You can instantly raise a Bike Insurance Claim by visiting your ACKO profile and uploading the required documents from your phone/tab or laptop/desktop.   

How many claims are allowed in scooter insurance?

The number of claims allowed depends upon the type of scooter insurance plan and the terms & conditions of the insurance company. Please go through your scooter insurance policy to know more.

Can I make multiple claims for the same damage?

No, only one claim per damage is allowed by most insurance companies.