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Honda Activa Bike Insurance

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Honda Activa Bike Insurance

Honda Activa Bike Insurance

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Honda Activa is one of the most successful commuter two-wheelers in India. This success can be attributed to its powerful performance and low price for its segment. Since buying insurance is mandatory if you own a vehicle, you need to get Honda Activa Bike Insurance to comply with the law. This article sheds light on all you need to know about buying and renewing bike insurance for your Activa.

Benefits of Buying Online Two-Wheeler Insurance Policy for your Honda Activa Bike From ACKO:

Buying car insurance online is way easier as compared to the traditional method. It involved getting in touch with an insurance agent and discussing suitable plans. Next would be form-filling and confusing paperwork. One also has to depend upon the insurance agent to help buy the right coverage. This can be deceiving in some cases. Online policies are similar to self-service in many ways. Here are a few reasons to buy a car insurance policy online:

No Paperwork:

Extensive paperwork involved in the traditional method of buying car insurance is completely excluded while buying the policy online. All you need is details like the car’s registration number, year of manufacture, previous car insurance policy (if applicable), claims history, etc.

Genuine Policies:

A digital copy of a car insurance policy is 100% genuine if purchased from an authentic insurance company like ACKO. Do check for the IRDAI registration number of the insurer while buying the policy.

Instant Insurance:

When you buy a car insurance policy from a digital insurance company, you are likely to receive your new policy within minutes of the purchase. Provided, your previous car insurance policy is still active, or without gaps.

Bike Insurance Plans for Honda Activa Bike:

You can buy any of the following types of bike insurance policies for your Honda Activa:

1. Third-Party Liability Insurance:

Buying at least this type of bike insurance is mandatory by law in India. But it does not provide coverage against the damages to your bike. It only covers Third-party liabilities and Legal Liabilities arising out of an accident with the third party. One needs to buy a Personal Accident Cover with the basic plan as well. It is compulsory to buy.

2. Comprehensive Insurance:

The law does not mandate you to buy a Comprehensive Bike insurance policy for your Honda Activa, however, this policy provides coverage for the damages to your Honda Activa as well. The policyholder can raise a claim if the bike gets damaged due to accidents, calamities, fire, or if it gets stolen. Moreover, you can also increase the coverage with add-ons.

What’s Covered in Honda Activa Insurance (Inclusions)?

Apart from being a compulsory requirement, your bike insurance policy will cover you for various events in case of damage and/or injuries. Following things are covered in a Comprehensive Honda Activa Two-wheeler insurance.

  1. Third-party Liabilities: This covers damage to third-party property, injuries, and death.

  2. Legal Liabilities: Any legal liabilities arising due to an accident with the third party are covered under insurance.

  3. Own Damage: This component refers to the damage caused to your Activa. It covers an array of incidents. For example Natural calamities, man-made calamities, accidents, theft, or fire.

  4. Add-ons: When you buy a Comprehensive Honda Activa bike insurance, you can increase insurance coverage with add-ons like Zero Depreciation, Key Protect, Roadside Assistance, etc.

  5. Personal Accident Cover: This is a compulsory add-on that offers a sum insured of Rs. 15 lakh in case of death or disability suffered by the owner/rider of the Honda Activa. One needs to buy this add-on separately.

The policyholder can choose a multi-year policy for the Honda Activa. This reduces the hassle of frequent renewals.

What’s Not Covered in Honda Activa Insurance (Exclusions)?

An insurance company can set some rules for raising claims and these are called exclusions. Exclusions are conditions in which the policyholder cannot raise a claim. Here are the general exclusions of the Honda Activa Bike insurance policy.

  1. Regular wear and tear.

  2. Mechanical or electrical damage.

  3. Damage caused when riding the bike under the influence of an intoxicating substance.

  4. Damage caused when the bike was used for illegal activity.

  5. Riding the bike without necessary documents.

  6. Damage that is caused outside the geographical limits set by the insurance company.

  7. Intentional damage.

  8. Damage occurred when the insurance policy was not in force or had expired.

Add-ons for Honda Activa Two-wheeler Insurance

Add-ons are additional coverages that help you claim in situations that are generally not covered in your bike insurance policy. Take a look at the add-ons that are generally available with Honda Activa Two-wheeler Insurance.

  • Zero Depreciation

  • Personal Belongings Damage/Theft

  • Roadside Assistance

  • Key Protect

  • Outstation Emergency Cover

  • Bike Engine Protect

  • Consumable Cover

Why ACKO?

ACKO is being appreciated for affordable policies and instant claim settlement by numerous existing bike insurance customers. Here are the benefits you will receive for buying ACKO insurance for your Honda Activa Bike:

1. Quick Services:

ACKO is a digital-first general insurance company which means most of its operations are done online. This reduces the time required for processes like buying or renewing a policy, or raising a claim.

2. Low Premium:

You can buy two-wheeler insurance online directly from ACKO. Because there are no insurance agents or middle-men in a transaction for buying or renewing a policy, you save money otherwise spent on the agent commission.

3. Instant Claims:

Thanks to ACKO's dedicated claims team, your Honda Activa bike insurance claim will be concluded in a matter of a few days. Moreover, if the Honda Activa Bike has suffered minor damages, you may get an instant claim settlement.

Claim Process

The claim process is quite simple when it comes to ACKO insurance. You just have to follow a few easy steps and your claim will be raised successfully. Here are those steps for your reference:

Step 1: Raise a claim online by visiting www.acko.com or by using ACKO mobile app.

Step 2: Log in to your account with the help of your registered mobile number and click on your Honda Activa Bike details.

Step 3: Click "Claim Now"

Step 4: Upload the required documents and pictures of the damaged bike.

ACKO mostly settles minor claims instantly. For major damage, you will be guided by ACKO's insurance experts if in doubt. Feel free to get in touch with us for more details.

Frequently Asked Questions:

Commonly Asked Questions About Honda Activa Bike Insurance

What are the benefits of buying Honda Activa Bike insurance online?

Well, buying bike insurance online will save a lot of your time. This is because ACKO follows a digital process where you don't have to put much effort into filling in all the details. For example, simply enter your Activa's registration number and we will automatically fill in other details like the variant, year of manufacture, etc. Next, you can choose an insurance plan and make payment to receive your bike insurance policy instantly. No inspections. Instant policy.

What is NCB and why is it important?

NCB stands for No Claim Bonus. This is the discount you get for not raising any claims against your bike insurance policy. You can claim this discount at the time of renewing the policy. Since NCB can be as high as 50% of the Own Damage Premium, it is of great importance.

Should I renew my insurance policy before expiry?

Yes, it is a good idea to renew your bike insurance policy a few days before its expiry. This way you are not making haste while choosing the coverage. You can also go through add-ons and buy the ones that are most suitable for your requirements. Consider buying some standard add-ons like Zero Depreciation, Roadside Assistance, and Engine Protect Add-on.

What is the best method to set the IDV for my Honda Activa?

IDV is Insured Declared Value. The best method to set the correct IDV is to take a look at the market value of the Activa that you own. You can then set the IDV approximately equal to its market value.

How does the insurance company arrive at the premium for my Honda Activa?

There are a few factors that determine the cost of your insurance policy i.e. the premium. Factors like the age of your Activa, type of insurance policy you choose, number of add-ons, any modifications on the bike, etc. affect the premium. Thus, the cost of buying insurance can be different for similar bike models.

What should I do if I entered the wrong details about my Honda Activa while buying bike insurance?

Not to worry, write to us at [email protected] and tell us about the details you need to change. Our experts will guide you through the endorsement process and get the mistake rectified.

What is the inspection process for buying/renewing my Honda Activa bike insurance?

An inspection happens if your insurance policy is not renewed within a specified number of days. But ACKO does not conduct an inspection for bike insurance policies. We trust you! Simply go to www.acko.com and buy an insurance policy for your Honda Activa. You will get the policy even faster because of our no bike inspection policy for buying or renewing insurance. We will inspect the bike during a claim though.

Two-wheeler Insurance for Other Honda Bike Models/Variants

Honda Shine Honda Hness CB350 Honda Dio
Honda SP 125 Honda Hornet 2.0 Honda Unicorn
Honda Livo BS6 Honda XBlade Honda Grazia BS6
Honda CD 110 Dream Honda Gold Wing Honda CRF1100L Africa Twin
Honda CBR500R Honda CB500F Honda Rebel 500
Honda Rebel 300 Honda CB500X

About Two Wheeler Insurance for Honda Activa

The Honda Active is one of the most successful scooters in India. The credit for its success can be given to the company's dedication for creating an excellent light-weight scooter that offers a comfortable ride for any person irrespective of gender or age (legal age for riding a bike). The bike insurance policy that covers people's most loved bike should also be comprehensive in nature, i.e. it should offer adequate coverage to the policyholder.

The most suitable bike insurance policy for the Honda Activa motorcycles is the Comprehensive policy. It covers both, the third-party liabilities as well as any damage to Honda Activa. Plus, it can be fortified with add-ons like Bike Engine Protect, Zero Depreciation, Key Protect, etc.

Why Should You buy a Honda Activa?

Honda Activa Two-Wheeler in India was launched in 1999. Since then the scooter has been a success in both Indian and global markets where it has bagged a few Scooter of the Year awards. Currently, Honda is selling two types of Activa scooters in India, the Activa 125 and Activa 6G. There was a model called Activa-i that was the low-priced, lighter version of the original Activa but it has now been discontinued. So far Honda has successfully launched 6 generations of the scooter in the country.

Key Specifications of Honda Activa Bike

Parameter Value
Engine (cc) 124 cc
Mileage 51.23 kmpl
Fuel Type Petrol
Power (PS) 8.29 PS @ 6500 rpm
Torque 10.3 Nm @ 5000 rpm
Gearbox CVT
Seating Capacity 2
Fuel Tank Capacity (litres) 5.3L
Tire Tubeless
Price Rs. 72,548 - 79,721

Variants of Honda Activa and Ex-Showroom Price

There are currently two variants of Honda Activa available in India. Here are the details of those variants.

Honda Activa 125 Specifications

Parameter Value
Engine (cc) 124 cc
Mileage 60 kmpl
Fuel Type Petrol
Power (PS) 8.29 PS @ 6500 rpm
Torque 10.3 Nm @ 5000 rpm
Gearbox CVT
Seating Capacity 2
Fuel Tank Capacity (litres) 5.3L
Tire Tubeless
Price Rs. 72,548 - 79,721

Honda Activa 6G Specifications

Parameter Value
Engine (cc) 109 CC
Mileage 55 kmpl
Fuel Type Petrol
Power (PS) 7.79 PS @ 8000 rpm
Torque 8.79 Nm @ 5250 rpm
Gearbox CVT
Seating Capacity 2
Fuel Tank Capacity (litres) 5.3L
Tire Tubeless
Price Rs. 67,908 - 71,153

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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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.