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

What is Scooter Insurance?
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Scooter insurance is one of the many types of vehicle insurance that covers a two-wheeler owner financially in an unfortunate case of damage, injuries, or death. The people or property financially protected under scooter insurance depend upon the inclusions of the insurance policy.

Buying bike insurance has become easy thanks to the massive wave of digitalization in recent times. Now, online scooty insurance is available for purchase 24x7 and the customers can buy a policy from the comforts of their homes. The same applies when you renew scooter insurance as well.

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.

Inclusions: What is Covered in Scooter Insurance by ACKO?
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The following situations are covered in a Comprehensive Scooter Insurance policy at ACKO.

1. Accidental damages

2. Fire or explosions

3. Theft of the insured scooter

4. Total loss i.e. a bike damaged beyond repair

5. Damage from a natural or man-made calamity

6. Third-party liabilities

7. Any coverage as per add-ons

8. Mandatory Personal Accident Cover to be bought separately

Note: The policyholder needs to buy the mandatory Personal Accident cover at least with one vehicle insurance policy in case of multiple vehicles.

Exclusions: What is Not Covered in Scooter Insurance by ACKO?
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The following situations are not covered in a Comprehensive Scooter Insurance policy at ACKO.

1. Regular wear and tear

2. Intentional damage

3. Damage when the insurance policy was not active

4. Electrical or mechanical damage

5. Damage outside the geographical limit

6. Damage due to not abiding by the traffic rules

7. Driving the scooter in an intoxicated state

8. Using the scooter for an illegal activity

Add-on Covers with ACKO's Scooter Insurance
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Add-ons help you increase the coverage offered by a Comprehensive Scooter insurance policy. Here is the list of add-ons that are available at ACKO.

1. Consumables Cover

2. Key Protect

3. Roadside Assistance Cover

4. Bike Engine Protect

5. Outstation Emergency Cover

6. Personal Belongings - Damage/Theft

7. Zero Depreciation

8. Personal Accident Cover (to be bought separately)

Scooter Insurance Premium Calculator
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A Premium Calculator for scooter insurance is an online tool that helps you understand the approximate amount of money you need to pay for buying 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 bike insurance.

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.

1. Brand/model

2. Age of the scooter

3. Insured Declared Value

4. Claim history

5. Type of bike insurance policy

6. Number of add-ons bought

Note: Some insurance companies also consider factors like age, gender, location, driving pattern, etc. while calculating the scooter insurance premium.

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 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

ACKO will try to make an instant claim settlement for minor damages and get in touch with you to understand more about how to claim insurance for scooty in case you suffered major damages.

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.

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.

ACKO General Insurance Limited

2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102

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CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Save Rs. 45,000 has been calculated on IDV of 20,00,000, 0% NCB and select add-ons. Amount saved is in comparison to Acko's F&U filing. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.