So you own a Ducati bike? Hats off just to that!
Planning to renew the insurance of your good old Ducati Diavel bike or looking for the best two-wheeler insurance for your brand new Ducati 1299 Superleggera bike – you’ve landed just the right place.
Let’s dive into the two-wheeler insurance basics for your Ducati bike.
Understanding Ducati Insurance
Must-know Coverage for Your Ducati Bike
You can get following kinds of insurance policies for your Ducati Bike:
| Third-Party Bike Insurance | Comprehensive Bike Insurance |
|---|---|
| Only covers third-party injuries and damages, and not to your own vehicle. | Gives third-party policy + coverage for losses and damages to your own bike |
| Mandatory by Indian Motors Act. | It’s not mandatory to buy coverage for your own bike’s damages, but then we all know the state of Indian roads. And, who doesn’t love their Ducati bike? |
| Multi-year insurance available | Multi-year insurance available |
Why You Should Insure Your Ducati Bike?
Ducati bikes are great on Indian roads, which is why there are so many of them. But with a two-wheeler insurance, you can:
- Be sure that you’re rightfully compensated if your Ducati bike was stolen or damaged beyond repairs.
- Get coverage for a third-party if your bike caused an accident and the third-party was injured or their property damaged.
- Get comprehensive coverage for your own two-wheeler, in case damages were caused to your vehicle.
- Be sure that no traffic policeman heavily fines you for not having an insurance policy for your bike. Strictly, say no to bribery!
Good-to-Have Insurance Add-ons for Ducati Bikes
-
Zero Depreciation Cover:
Irrespective of the model of Ducati bike you have, depreciation is applicable on all kinds of metal, plastic, and fiber glass parts. In case of repairs / replacement claims, you would have to pay for the depreciation cost. However, with zero depreciation add-on, you can get that covered.
-
Return to Invoice Cover:
So that if your bike was stolen or completely damaged, the claim settlement amount from the insurance company is not as little as the current market value of your bike. Instead, it is as much as the invoice value of your bike. This is even when in case your bike was two years old, with a 20 percent lower current market value.
A lot of insurance companies offer specific add-on coverage at an addition premium cost. Depending on the model of Ducati bike you have, do enquire with your insurer about these coverage options. Key replacement, roadside assistance, personal accident cover of passengers could be a few such options.
Things a Two Wheeler Insurance Covers For Any Ducati Bike
- Personal accident coverage for owner-driver
- Accident-related damages to your bike
- Damages caused during a natural calamity like flood or storm
- Loss because of fire, explosions
- Compensation for Stolen Bike
Things a Two Wheeler Insurance Does Not Cover For Any Ducati Bike
- Wear and tear caused over the years [including flat tyres]
- Losses caused when the bike was driven without a driving license
- Damages caused when the bike was being driven under the influence of alcohol
- Driving outside the geographical limits
- If the bike is used for anything beyond it’s legal purpose [racing, illegal activities, organized crime]
Questions you might ask about Ducati Insurance
How can I renew my Ducati Insurance online?
Your Ducati Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.
- If you have already selected an insurance company you can go to the insurer’s portal and renew it online by filling in the details.
- All you need to fill are your bike details (like Vehicle Registration Number, Engine/Chasis Number), your previous insurance details and your contact details. Once done, you can then renew the policy online by paying via netbanking, wallet or credit/debit card.
- Also, it is not necessary to continue your insurance policy with the same insurance company as the previous year. You can easily purchase insurance policy from a different insurer, as long as you are aware of the benefits and features being offered.
The two wheeler insurance of my Ducati Monster 1200 bike has already expired. Is vehicle inspection mandatory?
No. Inspection is not mandatory even if the insurance for your bike has already expired. It is sometimes done at the discretion of the insurer but only if the insurance has lapsed for more than 6 months or so.
Is an online insurance policy valid for two-wheelers?
Of course it is valid. You get a valid bike insurance policy by renewing the policy online. All you need to do is fill in your previous policy bike details and get a valid insurance policy emailed to your registered email id. A printout of that would suffice.
Single-year or Mutli-year: what’s better in case of Ducati insurance?
Multi-year is always better as you get a better rate and your insurance policy is valid for 2 to 3 years. Thus, there is no renewal headache every year. Also, since you pay upfront, there is a huge discount on the premium.
How do I get no-claim bonus at the time of renewal?
If you have not claimed in the preceding year, then you can avail a No-Claim Bonus at the time of your next renewal. Keep one thing in mind: your bike insurance renewal has to happen before the previous policy expires. At the time of renewal of your Two-Wheeler Insurance Policy, you need to mention your last NCB and whether you have made any claim in the last year or not. You get discount on the own-damage premium as per the NCB grid provided by IRDA.
| All vehicle Type NCB Grid | % of discount on own damage premium |
|---|---|
| No Claim in the last 1 year | 20% |
| No Claim in the last 2 consecutive years | 25% |
| No Claim in the last 3 consecutive years | 35% |
| No Claim in the last 4 consecutive years | 45% |
| No Claim in the last 5 consecutive years | 50% |
How much more do I need to pay for comprehensive two wheeler insurance?
The premium for a simple third party only insurance is fixed by the IRDAI. A comprehensive insurance policy includes own-damage premium too. The own-damage premium varies slightly from one insurance company to another and is dependent on a lot of factors, including your claims history and the age of your bike. The overall premium for comprehensive insurance is marginally higher, but highly recommended if you are looking for complete coverage for your Ducati bike.
Models Manufactured by Ducati: Which One Do You Ride?
| Brand Name | Variants | Price | Engine CC | Mileage(kmpl) | BHP | Wt. (kgs) | Price Range(in Rs) |
|---|---|---|---|---|---|---|---|
| Ducati Diavel | Standard | 14810 | 1198.4 | 10 | 159.6 | 239 | 14,81,000 to 15,69,860 |
| Ducati Diavel | Carbon (Star White) | 16890 | 1198.4 | 10 | 159.6 | 239 | 16,89,000 to 17,90,340 |
| Ducati Diavel | Carbon (Red) | 18150 | 1198.4 | 10 | 159.6 | 239 | 18,15,000 to 19,23,900 |
| Ducati Diavel | Limited Edition | 19920 | 1198.4 | 17.54 | 162 | 245 | 19,92,000 to 21,11,520 |
| Ducati Diavel | Titanium | 37300 | 1198.4 | 10 | 159.6 | 188 | 37,30,000 to 39,53,800 |
| Ducati Scrambler | Icon Red | 6780 | 803 | 20 | 75 | 186 | 6,78,000 to 7,18,680 |
| Ducati Scrambler | Icon Yellow | 6970 | 803 | 20 | 75 | 186 | 6,97,000 to 7,38,820 |
| Ducati Scrambler | Urban Enduro | 8180 | 803 | 20 | 75 | 186 | 8,18,000 to 8,67,080 |
| Ducati Scrambler | Classic | 8180 | 803 | 20 | 75 | 192.5 | 8,18,000 to 8,67,080 |
| Ducati Scrambler | Full Throttle | 8180 | 803 | 20 | 75 | 186 | 8,18,000 to 8,67,080 |
| Ducati XDiavel | ABS | 15870 | 1262 | 18.87 | 156 | 247 | 15,87,000 to 16,82,220 |
| Ducati XDiavel | S | 14470 | 1262 | 18.87 | 156 | 247 | 14,47,000 to 15,33,820 |
| Ducati 959 Panigale | Standard | 13970 | 955 | 17 | 157 | 200 | 13,97,000 to 14,80,820 |
| Ducati 1299 Panigale | Standard | 34490 | 1285 | 15 | 205 | 190 | 34,49,000 to 36,55,940 |
| Ducati 1299 Panigale | S | 42490 | 1285 | 15 | 205 | 190 | 42,49,000 to 45,03,940 |
| Ducati 1299 Panigale | Panigale R | 49020 | 1198 | 14 | 205 | 195 | 49,02,000 to 51,96,120 |
| Ducati 1299 Superleggera | Superleggera | 112200 | 1285 | 15 | 217 | 167 | 1,12,20,000 to 1,18,93,200 |
| Ducati Monster 821 | 821 Dark | 9720 | 803 | 17 | 75 | 205 | 9,72,000 to 10,30,320 |
| Ducati Monster 821 | Standard | 10250 | 821 | 16 | 110 | 205.5 | 10,25,000 to 10,86,500 |
| Ducati Monster 1200 | 1200cc | 21180 | 1198.4 | 15 | 135 | 187 | 21,18,000 to 22,45,080 |
| Ducati Monster 1200 | 1200 S Stripe | 25840 | 1198.4 | 14 | 145 | 187 | 25,84,000 to 27,39,040 |
| Ducati Monster 1200 | 1200 S | 25910 | 1198.4 | 14 | 145 | 187 | 25,91,000 to 27,46,460 |
| Ducati Multistrada | 1200 | 14450 | 1198.4 | 12 | 157.8 | 232 | 14,45,000 to 15,31,700 |
| Ducati Multistrada | 1200 S | 16460 | 1198.4 | 20 | 117.7 | 235 | 16,46,000 to 17,44,760 |
| Ducati Multistrada | 1200 Enduro | 17440 | 937 | 12 | 113 | 254 | 17,44,000 to 18,48,640 |
| Ducati Multistrada | 1200 S Pikes Peak | 20060 | 1198.4 | 20 | 117.7 | 208 | 20,06,000 to 21,26,360 |
| Ducati Hypermotard | Hyperstrada | 10100 | 821.1 | 17 | 110 | 205 | 10,10,000 to 10,70,600 |
| Ducati Hypermotard | Standard | 10100 | 821.1 | 18 | 110 | 198 | 10,10,000 to 10,70,600 |
| Ducati Hypermotard | SP | 19200 | 821.1 | 17 | 110 | 205 | 19,20,000 to 20,35,200 |
News Related to Ducati:
Ducati Reveals Performance Accessories for the Streetfighter V4
– September 29, 2020
Italian bike manufacturer, Ducati, has revealed performance accessories for its Ducati Streetfighter V4. Accessories include a titanium exhaust system, set of four structural carbon fibre wings, dry clutch kit, dry clutch cover, passenger seat cover, carbon heel guard, billet aluminium tank cap, carbon tank cover, and aluminium adjustable rider footpegs. The Ducati Streetfighter V4 draws power from a 1103cc engine which is tuned to push out a maximum power of 205bhp and a peak torque of 122Nm and weighs 180kgs. Some of the key features include single-sided swingarm, Brembo brakes, 5-inch TFT colour display instrument console, ABS cornering EVO, Wheelie control, power launch, Biplane wings, among others. The bike is equipped with adjustable USD forks at the front and a mono-shock at the rear. While there are dual disc brakes at the front, there is a single disc brake at the rear with 17-inch wheels at both ends. The bike competes with the likes of Kawasaki Z H2, MV Agusta Brutale 1000, KTM Superduke 1290, BMW S1000R, among others in the market.
Ducati Reveals Launch Date BS6 Scrambler 1100 Pro
– September 18, 2020
Italian bike manufacturer, Ducati, has revealed the launch date of the BS6 Ducati Scrambler 1100 Pro in India. The bike will be launched on the 22nd of September 2020. The BS6 Ducati Scrambler 1100 Pro can be had with two variants: Pro and Sport Pro. The bike was first revealed back in January this year and will be the second bike in the company’s lineup to be BS6 complaint. The first being the Ducati Panigale V2. The BS6 Scrambler 1100 Pro comes with a newly designed exhaust, updated livery and a new dual-tone paint scheme. The Ducati Scrambler 1100 Pro features a new trellis frame. The motorcycle will draw power from a 1079cc twin-cylinder engine that is able to produce a maximum power of 86bhp and a peak torque of 88Nm which is paired with a 6-speed gearbox. Both the Pro and the Sport Pro receive a revised seat and a repositioned number plate bracket. The Pro is equipped with a USD Marzocchi fork at the front and a Kayaba mono-shock at the rear, while the Sport Pro comes with Ohlins at both ends. On the safety front, the Ducati Scrambler 1100 Pro gets traction control, cornering ABS, among others. Riders can choose from three-riding modes such as City, Active and Journey. The Pro variant comes in Ocean Drive colour scheme, the Sport Pro comes with Matt Black. Both the variants get Brembo Monobloc disc brakes at both ends. The bike competes with the likes of Triumph Scrambler 1200 and the BMW R Nine T.
Ducati Gives A Sneak-Peek Of The Updated Scrambler
– September 10, 2020
Italian two-wheeler manufacturer Ducati has shared a sneak-peek of the updated Scrambler motorcycle. The new Scrambler will also comply with the BS6 emission norms. The Bologna-based company is expected to introduce the updated Scrambler 1100 in the Indian market, and the motorcycle might be offered in two variants. The motorcycle derives its power from a 1,076cc L-Twin internal combustion engine that churns out 85bhp of maximum power and 88Nm of maximum torque. Rounding off the update is the revamped exhaust system to adhere to the strict emission regulations. Other notable features of the Scrambler include ABS (cornering), traction control and inverted front forks from Ohlins. The new range of Scrambler models will come with a newly designed seat for more comfort and repositioned registration number plate holder for an improved look. The Scrambler is more of a retro-style motorcycle with round headlight. The motorcycle also leans more towards the off-roading genre, and the adventure junkies will love this motorcycle. Ducati is expected to introduce the new updated Scrambler in India in the coming weeks. The new motorcycle might be slightly expensive as compared to the currently sold models.
Ducati Begins Pre-Booking for Panigale V2
– July 21, 2020
Premium motorcycle manufacturer Ducati said that it has begun pre-booking for the Panigale V2, which is incidentally its first BS6 motorcycle. The Panigale V2 will be the entry-level model in the Panigale family. The company in a tweet said that it is accepting a pre-booked amount of Rs. 1 lakh and deliveries are expected to follow after the launch of the superbike in India. The superbike features a single-sided aluminium swingarm fitted with a monocoque chassis. Compared to the outgoing model, the new Ducat Panigale V2 is sleeker and leaner. The superbike derives power from a 955cc L-Twin engine that is able to produce a maximum power of 155PS and a peak torque of 104Nm. Compared to the old model, the power has increased by 5PS and torque by 2Nm. The bike boasts of cornering ABS, traction control, quick shifter, 6-axis Inertial Measurement Unit (IMU) and engine brake control. Among the features, the Ducato Panigale V2 comes with a 4.3 TFT screen and replaces the LCD instrument console seen in the outgoing model. The Ducati Panigale V2 competes with the likes of Kawasaki ZX10R, BMW S1000R, and the Yamaha R1 in the Indian superbike segment.
