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Harley Davidson Bike Insurance

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Harley-Davidson Two-wheeler Insurance

Bike Insurance for Harley Davidson

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Harley-Davidson bikes are simply magnificent. Their look, feel, and overall riding experience is simply exhilarating. If you are thinking of buying a Harley-Davidson bike or already have one, then do consider insuring it with a wide-ranging Harley-Davidson two-wheeler Insurance plan. Read ahead to know crucial details about insuring your valuable Harley-Davidson bike to follow the law of the land and to ensure superior insurance coverage.

Benefits of Buying Online Two wheeler Insurance for Harley Davidson Bikes

When you can buy groceries online, order medicines online, and book flight tickets online, there’s no reason why you shouldn’t buy bike insurance online. Here are the top advantages of insuring your Harley-Davidson online.

1. Bye-bye Paperwork

When you insure your Harley-Davidson online, you do not have to fill endless forms and attach a long list of documents. For instance, you can insure your bike within minutes via ACKO’s website/app.

2. Total Convenience

Busy during weekdays? Insure your bike on weekends, public holidays, or whenever you feel like it. Online insurance is available 24x7. Besides, you do not need to meet agents or take appointments for buying/renewing insurance.

3. Easy on the Wallet

Usually, online bike insurance policies are less expensive than offline policies. This is because of the low operational costs incurred by digital-first insurers as compared to traditional insurance companies.

Types of Bike Insurance Plans for Harley-Davidson Bikes

If you are looking to buy insurance or renew insurance for your Harley-Davidson bike in India, then primarily, you have the following two types of plans to choose from.

1. Third-party Liability Policy

This law-mandated policy is a basic plan that insures you against liabilities arising due to injuring a third party or damaging their property with your bike. This plan does not cover damages to your two-wheeler.

2. Comprehensive Cover

This plan includes the law-mandated cover and insures your bike against damages. Comprehensive Bike Insurance covers damages to the bike caused due to fire, vandalism, calamities, and similar situations. You can also buy add-on covers with this plan.

What’s Covered in Harley-Davidson Bike Insurance (Inclusions)?

Here are the inclusions of a Comprehensive Plan when it comes to Harley-Davidson two-wheeler insurance. 

  • Mandatory Third-party Liability Plan

  • Cover against accidental damage to the bike

  • Cover against theft

  • Cover against calamities (natural and man-made)

  • Cover against damages due to fire

  • Cover as per chosen add-on plans

Note that a Personal Accident Cover is not a part of the plan and needs to be purchased separately.

What’s Not Covered in Harley-Davidson Bike Insurance (Exclusions)?

Here are the exclusions of the plan. 

  • No cover for the expired policy

  • No cover if the accident occurred due to violation of traffic rules

  • No cover for riding without a Driving License

  • No cover for riding the bike under the influence of alcohol

  • No cover for consequential damages unless specified

Add-ons for Harley-Davidson Bike Insurance Policy

Strengthening your Comprehensive Bike Insurance Coverage with suitable add-ons is a good idea, especially for a Harley-Davidson bike. Here’s a list of popular add-ons.

  • Zero Depreciation Add-on for receiving a higher claim amount by negating depreciation.

  • Personal Belongings Damage/Theft Add-on to insure loss of items such as helmet kept in the bike.

  • Roadside Assistance Cover for emergency assistance in case of bike breakdown.

  • Key Protect Add-on to insure the cost of lost or damaged bike key.

  • Outstation Emergency Cover for receiving a fixed sum in case of bike breakdown outside 100 kms radius of your residence. 

  • Bike Engine Protect for insuring the bike’s engine against severe damages.

  • Consumables Cover for insuring the cost of consumables such as screws, nuts and bolts, gearbox oil, etc. used in repairing the bike.


You should choose to buy or renew bike insurance from ACKO for the following reasons.

1. Incredibly Low Premium

ACKO offers bike insurance policies at a low premium. This is possible because of hi-tech digital infrastructure leading to low operational costs, and a zero-commission model.

2. On-account Settlement

Minor bike insurance claims can be settled within a few hours and the amount shall be transferred directly to your bank account as per the terms and conditions. For major claims, the process shall be online and hassle-free.

3. Zero-trouble Insurance

Whether it is buying, renewing, or claiming insurance, the insurance processes followed by ACKO are free of hurdles. You can contact us for any doubts concerning bike insurance!

Claim Procedure

Here’s how simple it is to raise and settle a bike insurance claim with ACKO.

Step 1: Log in to your ACKO account with your mobile number.

Step 2: Click on Claim Now and share details.

Step 3: Receive instant claim settlement for minor damages and follow the process for major damages.

Frequently Asked Questions

Answers to common questions about insuring your Harley-Davidson bike.

Commonly Asked Questions About Harley-Davidson Bike Insurance

Can I skip insuring my bike after my first policy expires?

Riding an uninsured bike on public roads is a punishable offence. Thus, you must renew your bike’s policy before it expires.

I go on frequent road trips on my cruiser bike. Which add-on should I prefer, Roadside Assistance or Personal Belongings Damage?

Out of the two, you should prefer the Roadside Assistance add-on. However, picking add-ons shouldn’t be an ‘either or’ choice. Choose those add-ons that add value to your cover.

Do I have to upload any documents to insure my bike from ACKO’s app?

There is no need to upload documents to buy insurance from ACKO’s app or website.

Can I renew my bike insurance policy one day before the expiry date?

Yes, you can renew the bike insurance policy one day before its expiry date. However, it is suggested to renew it at least a week before it expires.

Do I have to pay extra for each add-on?

Yes, each add-on must be paid for separately unless they are packaged in a particular policy.

About Two wheeler Insurance for Harley Davidson Bike

When it comes to high-profile bikes like those under the Harley-Davidson brand, it is suggested to opt for an insurance policy with wide coverage. Damage to such bikes can be costly to repair. Here’s where the wide-ranging insurance policy will come to your rescue. Therefore, a Comprehensive Bike Insurance Plan is ideal for this type of bike. Also, the plan can be enhanced by adding suitable add-on covers.

Why Should You Buy a Harley-Davidson Bike?

Harley-Davidson bikes are synonymous with adventure. It is an ideal bike for thrill-seekers and those who are into adventure touring. The brand offers different types of options in the form of street bikes, cruiser bikes, touring bikes, etc. so that you can find the right companion for your road trips. Here are the top highlights of these bikes.

  • Super-stylish aesthetics

  • High-performance engine

  • Strong and sturdy exterior

  • Comfortable for long rides

Specifications of Harley Davidson Bikes

Model Engine (cc) Weight (kg) Cylinders ABS
Street 750 749 233 2 Dual Channel
Iron 883 883 256 2 Dual Channel
Forty Eight 1202 252 2 Dual Channel
Forty Eight Special 1202 252 2 Dual Channel
Fat Boy 1745 322 2 Dual Channel
Street Rod 749 238 NA NA
1200 Custom 1202 268 2 Dual Channel
Low Rider 1868 391 2 Dual Channel

Harley Davidson Variants and Price

Model Price in Lakhs (Rs.)
Street 750 4.69
Iron 883 9.38
Forty Eight 10.61
Forty Eight Special 10.98
Fat Boy 18.25
Street Rod 5.99
1200 Custom 10.89
Low Rider 13.75

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. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. 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.