Harley Davidson Two Wheeler Insurance

So you own a Harley Davidson bike? Hats off just to that!

Planning to renew the insurance of your good old Harley Davidson Iron 883 Cruiser bike or looking for the best two-wheeler insurance for your brand new Harley Davidson V Rod bike – you’ve landed just the right place.

Let’s dive into the two-wheeler insurance basics for your Harley Davidson bike.

Understanding Harley Davidson Insurance

Must-know Coverage for Your Harley Davidson Bike

You can get following kinds of insurance policies for your Harley Davidson Bike:

Third-Party Bike InsuranceComprehensive 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 Harley Davidson bike?
Multi-year insurance availableMulti-year insurance available

Why You Should Insure Your Harley Davidson Bike?

Harley Davidson 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 Harley Davidson 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 Harley Davidson Bikes

Zero Depreciation Cover:

Irrespective of the model of Harley Davidson 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 Harley Davidson 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 Harley Davidson 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 Harley Davidson 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 Harley Davidson Insurance

How can I renew my Harley Davidson Insurance online?

Your Harley Davidson Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.

  1. 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.
  2. 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.
  3. 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 Harley Davidson Softail 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 Harley Davidson 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 year20%
No Claim in the last 2 consecutive years25%
No Claim in the last 3 consecutive years35%
No Claim in the last 4 consecutive years45%
No Claim in the last 5 consecutive years50%

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 Harley Davidson bike.

Models Manufactured by Harley Davidson: Which One Do You Ride?

Brand NameVariantsPriceEngine CCMileage(kmpl)BHPWt. (kgs)Price Range(in Rs)
Harley Davidson Street 750Standard498074917.4532224,98,000 to 5,27,880
Harley Davidson Iron 883Iron 883811088317502558,11,000 to 8,59,660
Harley Davidson V RODNight Rod Special2192012471811530221,92,000 to 23,23,520
Harley Davidson RoadsterRoadster9850120217762599,85,000 to 10,44,100
Harley Davidson Forty Eight489650120216.47602559,65,000 to 10,22,900
Harley Davidson 1200 CustomStandard9430120221652559,43,000 to 9,99,580
Harley Davidson CVOStandard51350186817.4343351,35,000 to 54,43,100
Harley Davidson SOFTAILFat Boy163501690146533116,35,000 to 17,33,100
Harley Davidson SOFTAILBreakout167001690146534016,70,000 to 17,70,200
Harley Davidson SOFTAILHeritage Softail Classic177901690146539017,79,000 to 18,85,740
Harley Davidson DYNAStreet Bob106701585156530510,67,000 to 11,31,020
Harley Davidson DYNAFat Bob130901585156530513,09,000 to 13,87,540
Harley Davidson TOURINGROAD KING268501745187031026,85,000 to 28,46,100
Harley Davidson TOURINGSTREET GLIDE317001745187034031,70,000 to 33,60,200
Harley Davidson TOURINGRoad Glide Special333301202186534033,33,000 to 35,32,980
Harley Davidson Street RodStandard586074916652385,86,000 to 6,21,160

News Related to Harley Davidson:

Harley-Davidson Slashes Prices of BS6 Street 750 in India

– August 10, 2020

American bike manufacturer Harley-Davidson has cut prices for the BS6 Street 750 cruiser in India. The company has reduced its price by Rs. 65,000. With the slash in prices, the BS6 Harley-Davidson Street 750 is presently available at Rs. 4.69 lakh. This price is for the bike with Vivid Black colour scheme. While the other paint schemes demand a premium of Rs. 12,000 over the base paint model. The Harley-Davidson Street 750 is the company’s entry-level motorcycle and it is also the cheapest among other models. The cruiser draws power from a V-twin 749cc engine that is competent enough to churn out a peak torque of 59Nm arriving at 4,000rpm. The motorcycle gets telescopic suspension at the front and dual shock absorbers at the rear. The bike features 17-inch alloy wheels at the front while at the rear it features a 15-inch alloy wheel. The bike gets disc brakes at both front and rear along with dual-channel ABS. The BS6 Harley-Davidson Street 750 competes with the likes of Triumph Street Twin and the Kawasaki Vulcan S in the Indian market.

Supreme Court Judge Tries Harley Davidson CVO 2020

– June 29, 2020

The Chief Justice of India, Sharad Arvind Bobde, tried a Harley Davidson bike that was brought to him for a demo in his hometown Nagpur. This has created quite a buzz on social media where he is receiving mixed reactions from appreciation to scepticism. He had been involved in high-focus cases like Ayodhya temple-mosque case, Lord Jagannath Rath Yatra approval, etc. People are appreciating the 64-year old Chief Justice for showing “No false pretensions”. On the other hand, in the viral image, he is not seen wearing a face cover or any helmet while sitting on the bike. It was later clarified that he did wear a mask but removed it while on the Harley bike. Justice Bobde’s interest in superbikes is not unknown to those who take a keen interest in important verdicts he passed, because he has divulged this fact multiple times during interviews. In the image, he is seen sitting on the Harley Davidson CVO 2020 that is expected to launch in December 2020 with an approximate price tag of 50.8 Lakh rupees. The bike has dual-channel ABS, 1923cc engine that churns out 107.4PS @ 5450RPM and 166Nm @ 3500RPM of torque.

Harley Davidson Hikes Prices of BS6 1200 Custom Motorcycle

– June 22, 2020

American motorcycle manufacturer Harley Davidson has hiked the price of the BS5 Harley Davidson 1200 Custom. Post the hike, the motorcycle’s price has increased by Rs. 12,000. With the price hike, the BS6 Harley Davidson 1200 Custom costs Rs.10.89 lakh for the Midnight Blue colour variant. The Billard Red/Vivid Black dual-tone colour variant of the BS6 1200 Custom is priced at Rs.11.25 lakh. However, the company has revealed the prices of the remaining two variants. The motorcycle draws power from a 1,202cc V-twin engine that is capable of peak torque of 96Nm at 3.500rpm. Some of the key features include dual chrome shorty exhausts, single-pod semi-digital instrument console, flat section tyres, a low seat height of 725mm, among others.

Harley-Davidson Hikes Prices of BS6 Iron 883 in India

– June 18, 2020

American cruiser manufacturing giant Harley-Davidson has hiked the price of the BS6 Iron 883 in India. The motorcycle is expensive by Rs. 12,000 compared to its launch price, which was Rs. 9.26 lakh. With the increase in price, the BS6 Harley-Davidson Iron 883 is now priced at Rs.9.38 lakh ex-showroom (Delhi). Customers can choose from four colours: Dual Tone Scorched Orange/Silver Flux, River Rock Grey, Barracuda Silver Denim and Black Denim. The motorcycle draws power from an 883cc V-Twin, which is tuned to deliver a peak torque of 68Nm @ 4,750rpm. And the unit is paired with a 5-speed gearbox. The BS6 Iron 883 features a single pod instrument cluster, forward-set footpegs, wide handlebar, sleek turn indicators, blacked-out exhaust pipe, etc. While a telescopic setup takes care of the suspension at the front, the rear features a twin-shock setup. Braking duties are carried out by dual-channel ABS disc brakes at both ends.

Harley-Davidson: Massive Price Drop On BS6 Street Rod Black

– June 15, 2020

Amid the recent trend of manufacturers increasing the ex-showroom price of vehicles, BS6 Harley-Davidson Street Rod will come sporting a lower price tag. The Street Rod is upgraded to comply with the BSVI emission norms after the Indian authorities ordered manufacturers to stop the sale of any vehicle with BSV or below emission systems. The black variant of BS6 Harley-Davidson Street Rod will now begin at a price of ₹5.99 lakh i.e. a price drop of nearly ₹56,000. This 749cc bike is available in orange, white, and grey colours apart from the black variant. However, there is no change in the price for buying the Street Rod of any other colour. The Street Rod also comes in a limited edition model created in association with a Japanese design house called Graphers Rock. The word “Freedom” is hand-painted on each model. Only 10 units of this edition are created and may not be available for sale in India.

Discount of INR 55,000 Announced on Harley-Davidson Street Rod

– June 12, 2020

Enthusiastic Harley-Davidson fans can now purchase the American manufacturer’s Street Rod motorcycle at a discount. The motorcycle manufacturer is offering a discount of INR 55,000 for its stylish cruiser bike. This is a limited period offer applicable to the Indian market. The Harley-Davidson Street Rod urban-cruiser was launched with a price tag of INR 6,55,000. After applying the sizable discount, the price comes down to INR 6 lakhs.Post discount, the ex-showroom price of the Street Rod BS6 motorcycle in Delhi is INR 5,99,999. Note that the prices can be slightly different in different locations. This Harley-Davidson cruiser bike offers great riding comfort due to its cushioned seats. The 2020 Street Rod features a wide handlebar, rounded LED headlights, and is available in four paint schemes. Its other features include a big radiator, longish fuel tank and exhaust, and dual-channel ABS supported disc brakes.

Harley-Davidson Launches BS6 Range of Motorcycles in India

– April 9, 2020

Harley-Davidson has launched the BS6 range of motorcycles in the country with prices starting from Rs.5.34 lakh. Beginning with the Harley-Davidson Street 750 to the Fat Boy Special, the American motorcycle manufacturer has updated its entire range to BS6 compliant bikes. The BS6 Harley-Davidson Street 750 costs Rs.5.34 lakh, the Street Rod is priced at Rs.6.55 lakh, the Iron 883 at Rs.9.26 lakh, the Forty-Eight at Rs.Rs.10.61 lakh, the Forty-Eight Special at Rs.10.98 lakh, the Custom 1200 at Rs.10.77 lakh, the Low Rider at Rs.13.75 lakh, the All-New Low Rider at Rs.14.69 lakh, the Fat Boy at Rs.18.25 lakh, while the top of the line Fat Boy Special is priced at Rs.21.10 lakh. All prices are ex-showroom.

Harley Davidson Launches BS6 1200 Custom Models in India

– March 31, 2020

Harley Davidson, the iconic American motorcycle manufacturer, has launched the BS6 version of the 1200 Custom models in India. Prices for the BS6 Harley Davidson 1200 Custom models start from Rs.10.77 lakh ex-showroom (India). The BS6 1200 Custom models are powered by the BS6 1202cc engine which churns out 97Nm of peak torque and comes paired to a 5-speed gearbox. Features include an instrument cluster with an odometer dual trip-meters, time-of-day clock, a low oil pressure light along with LED turn indicators. Braking duties on the 1200 Custom models are carried out by disc brakes at both ends with dual-channel ABS which comes as a standard fitment.

Harley Davidson Street 750 and Street Rod BS6 Available at CSD

– March 23, 2020

American two-wheeler manufacturer Harley Davidson’s Indian subsidiary has begun selling the BS6 model of Street 750 and the Street Rod in CSD. In an effort to make the brand more accessible, the company will now sell its bikes to the armed forces. The BS6 Harly Davidson Street 750 is priced at Rs.4.6 lakh at the CSD, while the Street Rod is available at Rs.5.65 lakh. The Harley Davidson Street 750 and the Street Rod draw power from the same 749cc V-Twin engine which produces 60Nm of torque and comes mated to a 6-speed gearbox. The Street Rod is the more upmarket version of Street 750 which boasts of several additional features.