Harley-Davidson X440T Bike Insurance
Get your Harley-Davidson X440T in a simple and hassle-free way!
Bike insurance starting at ₹555*
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The Harley-Davidson X440T is an upscale roadster crafted for riders who value daring styling, potent power, and a comfortable ride. The X440T is equipped with a highly efficient 440cc engine that delivers outstanding torque, stable handling, and comes with the latest safety features, thus it is equally convenient for city commuting as well as long highway rides.
Besides the sheer pleasure of riding a premium motorcycle like the Harley-Davidson X440T, the owner also needs to consider safeguarding the investment from financial risks such as accidents, theft, fire, natural calamities, or third-party liabilities. A legal two-wheeler insurance policy is obligatory as per Indian law, and you can therefore, ride worry-free and enjoy complete peace of mind.
Model Specifications of Harley-Davidson X440T
Inclusions and Exclusions of Harley-Davidson X440T Insurance
What’s Covered in Harley-Davidson X440T Insurance
Damages or losses to your Harley-Davidson X440T due to accidents.
Third-party injury, death, or property damage caused by your bike.
Damages due to natural calamities such as floods, storms, earthquakes, etc.
Damages caused by man-made calamities like riots or vandalism.
Losses due to fire, explosion, or self-ignition.
Total loss or theft of the insured motorcycle.
What’s Not Covered in Harley-Davidson X440T Insurance
Damages while riding without a valid Driving License.
Mechanical or electrical breakdown not caused by an accident.
Regular wear and tear of parts.
Damages caused while riding under the influence of alcohol or drugs.
Losses arising from reckless or negligent riding.
Damages occurring outside the geographical limits specified in the policy.
Harley-Davidson X440T Bike Insurance Price
Below is a table showing the Harley-Davidson X440T bike insurance price, starting from ₹15,117 onwards, depending on the selected variant, Insured Declared Value (IDV), and coverage type.*
* These prices are exclusively for ACKO customers.
Note: All plans include 1-year Own Damage and mandatory Third-Party coverage as per IRDAI regulations.
Insurance premiums may vary based on location, add-ons selected, and applicable No Claim Bonus (NCB).
Types of Insurance Plans for Harley-Davidson X440T
Third-Party Bike Insurance Policy
In India, Third-party bike insurance is compulsory as per the Motor Vehicles Act. It includes covering the legal and financial liabilities in case a third party gets injured, dies, or his/her property is damaged because of your bike. On the other hand, it won't cover the loss or damage to your own Harley-Davidson X440T.
Comprehensive Bike Insurance Policy
A comprehensive bike insurance policy delivers full coverage and peace of mind. It not only covers third-party liabilities but also takes care of any damages to your own bike caused by accidents, fire, theft, natural calamities, riots, and vandalism. If you own a premium motorcycle like the Harley-Davidson X440T, getting a comprehensive policy is a must.
Add-On Cover Options for Harley-Davidson X440T Bike Insurance
Enhance your comprehensive policy with the following add-ons:
Zero Depreciation Cover
Get the entire claim amount without any deduction of depreciation on the parts replaced.
Personal Accident (PA) Cover
It is a legal requirement. It provides financial support to the rider's family in the event of death or permanent disability.
Pillion Rider Cover
In case of an accident, the cover pays a maximum of ₹2 lakh to the pillion rider in case of injuries resulting in permanent disability or death.
Return to Invoice (RTI) Cover
If the vehicle is completely damaged or stolen, the insurance company will pay the invoice value of the vehicle when new, rather than the depreciated market value.
Helmet Protect Cover
If during an accident your helmet gets damaged, this cover will take care of the repair or replacement expenses (maximum ₹1, 000).
Engine Protection Cover
This cover takes care of the costs of damages to your engine due to water ingression, oil leakage, or hydrostatic lock, which most of the time are not covered by regular policies.
Consumables Cover
This cover pays for the consumables cost like engine oil, nuts, bolts, grease, and other materials that are used for repairs.
24/7 Roadside Assistance
You can call for help at any time of the day for services like towing, battery support, tyre change, and minor repairs at the spot.
Why Choose ACKO for Harley-Davidson X440T Insurance?
Below are the detailed advantages of purchasing your bike insurance online with ACKO:
24x7 Access
Through ACKO's digital platform, buy, renew or file claims at any time.
Saves Time
You do not have to do any paperwork or go to the branch as everything can be done online and it will take only a few minutes.
Compare and Buy
You can easily compare the coverage features, plans, and add-ons to make a decision.
Easy Renewal
Renewing your policy is very fast and you can even change your coverage if you want it.
Competitive Premiums
Obtain a comprehensive bike insurance policy at competitive and affordable premium rates.
Zero Paperwork
Have a totally paperless insurance journey.
Stress-Free Claims
Make a claim and track it online with the minimum necessary documents.
Instant Claim Settlement
With the digital-first strategy of ACKO, the processing and settlement of the claim is done faster.
Total Convenience
Whether it is buying a policy or submitting a claim, everything can be done online with just a few clicks.
No Claim Bonus (NCB) Benefits
Maintaining a claim-free record entitles you to get a discount of up to 50% on the renewal premium.
How To Buy New Harley-Davidson X440T Insurance Online from ACKO
Here are the steps to buy a new bike insurance policy online from ACKO.
Step 1: Go to the top of this page and click on "Check prices."
Step 2: Enter your bike’s make/model and mobile number, then click "View Plans."
Step 3: Choose your preferred insurance plan and click "Continue."
Step 4: Select add-ons if required and proceed.
Step 5: Enter your details and bike chassis number, then complete the online payment to get instant policy issuance.
How to Renew Harley-Davidson X440T Insurance?
Bike insurance renewal online can be done through these steps. In fact, ACKO allows you to renew bike insurance policy only in a few steps and from the comfort of your home.
Step 1: Scroll up to this page or open the ACKO mobile app.
Step 2: Enter your vehicle number and select the insurance plan.
Step 3: Provide bike details such as registration year, model, and current policy status.
Step 4: Choose a suitable plan and IDV.
Step 5: Select add-ons if needed.
Step 6: Enter your personal details and make the online payment for instant renewal.
How to Raise a Cashless Claim for Bike Insurance Online
Filing a cashless claim with ACKO is simple and completely digital:
Step 1: Log in to your ACKO account via the official website or mobile app.
Step 2: Go to your policy dashboard and click on "Claim."
Step 3: Answer a few questions about the damage, upload clear images of your bike, and submit the request.
Once verified, ACKO will process and settle your cashless claim at a network garage.
Frequently Asked Questions On Harley-Davidson X440T Bike Insurance
FAQs
1. Is insurance compulsory for Harley-Davidson X440T?
Yes, the law in India requires at least third-party insurance for the vehicle.
2. Which insurance policy is suitable for Harley-Davidson X440T?
A comprehensive policy is the best choice since it covers third-party liabilities as well as your own damages.
3. What determines the Harley-Davidson X440T insurance premium?
The premium varies with the Insured Declared Value (IDV), place of residence, selected add-ons, and the No Claim Bonus (NCB).
4. Is it possible to transfer insurance when purchasing a second-hand Harley-Davidson X440T?
Yes, you can transfer the policy once you have completed the ownership change procedures.
5. Is the insurance policy paying for engine damage?
Engine damage coverage is only included if you buy the Engine Protection component.
6. How can I reduce my Harley-Davidson X440T insurance premium?
You can keep a high NCB, only select necessary add-ons, and choose voluntary deductibles to save on your premium.
Written by
Nikhila PS
Senior Content Editor
Nikhila is a content creator with 6+ years in EdTech and motor insurance, turning complex policies into clear, engaging content. She enjoys exploring digital trends, social media, and art while planning her next short escape.
Reviewed by
Rekhit Singh Kaushal
Senior Director - Motor Underwriting
Rekhit Singh Kaushal is Senior Director at ACKO, a leading digital motor insurance provider in India. With deep expertise in insurance strategy and innovation, he brings trusted insights on car and bike insurance to help drivers stay protected.
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