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Honda Bike Insurance

Honda Bike Insurance

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Two-wheeler insurance for your Honda bike is mandatory in India. Also, it provides the benefit of financial protection in case of accidental damage to your vehicle. Insuring your two-wheeler offers you peace of mind knowing that you are well-protected in case of potential financial losses. Read on to learn more about Honda bike insurance and the benefits of online two-wheeler insurance.

Benefits of Buying Two-wheeler Insurance for Honda Bikes:

Two-wheeler insurance for your Honda is not just mandatory, but it also should provide financial protection in case of accidental damages to your vehicle. Here are the benefits of buying bike insurance for Honda bikes:

Avoid Penalties

If you are found driving the bike without valid two-wheeler insurance, you will be fined by the police. Buying or renewing bike insurance is a lot faster and quicker with the advent of the digital environment. Just enter a few details of your bike and insure the vehicle within a few minutes and ensure that you do not pay unnecessary fines.

Save on Potential Repair Costs

Accidental damage to your bike can cost you a lot of money. The Comprehensive Bike Insurance Plan for your bike will cover most of the repair bill. It also covers third-party losses.

Option to Enhance the Coverage

By insuring your bike, you have the option to include add-on covers. An add-on is a small package to cover liabilities that are typically not covered in the basic comprehensive plan. You can include them to enhance the coverage for an added benefit.

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

Mentioned below are the coverage details of the comprehensive Honda two-wheeler insurance plan:

  • Damages/losses to the Honda two-wheeler.

  • Damages/losses due to third-party life/property damage.

  • Damages/losses due to natural calamities (storms, floods).

  • Damages/losses due to man-made calamities (vandalism, riots).

  • Damages/losses due to a fire breakout or an explosion.

  • Total loss or theft of the insured two-wheeler.

You can consider buying the multi-year insurance policy (available in 2 and 3 years) for a discounted insurance premium. Also, you must buy the Personal Accident (PA) cover as it is mandatory. You can purchase the PA cover when you buy or renew the plan.

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

Two-wheeler insurance for your Honda bike does not cover the following circumstances:

  • Damages/losses while riding the insured vehicle without a valid Driving License (DL).

  • Damages/losses due to mechanical/electrical failure.

  • Damages/losses due to regular wear and tear.

  • Damages/losses arising from riding the bike under the influence of intoxicating substances.

  • Damages/losses to the insured bike due to reckless riding.

  • Damages/losses caused outside the specified geographical limits.

Benefits of Buying ACKO Bike Insurance for Your Honda Bike:

Mentioned below are the benefits of buying bike insurance from ACKO for your Honda bike:

Buy/Renew Online

You can buy and renew the Honda bike insurance policy online without any paperwork. Visit our website or the mobile app to process your request instantly. You need to enter a few details of the vehicle to insure the bike within a few minutes.

Stress-free Claim Procedure

At ACKO, you can register a claim against your bike insurance policy online. You do not have to fill lengthy forms to raise a claim. Log in to your account through our website or mobile app, upload the pictures of the damage to raise a claim. For minor damage, we provide instant settlement through on-account transfer and for major damage, our claims team will help settle the claim.

Low-Cost Bike Insurance Plans

ACKO is a 100% digital insurance company. Hence, you can buy or renew bike insurance or file a claim against the policy directly with us. There are no agents or middlemen, so you can directly shop with ACKO. This has led to the reduction in operating costs and the savings are passed on as low-cost two-wheeler insurance plans.

Get Support from Insurance Experts

You can get all the information that you need to know about bike insurance for your Honda bike on our website and mobile app. For more assistance, you can talk to our insurance experts and they will help with the bike insurance for your Honda bike.

Discounts/Offers

Take advantage of our discounts and offers for special occasions and festivals to enjoy a discounted bike insurance plan for your Honda.

Insurance Plans for Honda Bike:

Two-wheeler insurance is mainly of two types: Third-party Bike Insurance Plan and Comprehensive Bike Insurance Plan. Below are the coverage details of these plans:

Third-party Two-wheeler Insurance Policy

The Third-party Bike Insurance Plan provides coverage against third-party losses arising due to injury or third-party property damage. This plan is mandatory as per the law and does not provide coverage for the insured vehicle.

Comprehensive Two-wheeler Insurance Policy

The Comprehensive Bike Insurance Plan for your Honda bike includes both Third-party Insurance and Own Damage cover. The latter provides financial coverage against accidental damages to your vehicle as well as losses due to the theft of the bike/scooter. This plan also includes the option to buy add-on covers to enhance the coverage.

The below comparison table offers an overview of the coverage details of Comprehensive and Third-party Bike Insurance Plan:

Coverage Comprehensive Bike Insurance Third-Party Bike Insurance
Third-party losses arising due to injury or damages to their property Yes Yes
Accidental damages to Honda bike Yes No
Damages/losses arising due to man-made calamities (riots, etc.) Yes No
Damages/losses arising due to natural calamities (floods, cyclones, etc.) Yes No
Theft of the insured bike Yes No
Personal Accident (PA) cover No (But mandatory with either one of the plan) No (But mandatory with either one of the plan)
Add-ons (Optional) Yes No
Modify sum insured amount (Insured Declared Value) for the Honda bike Yes No

Add-ons for Honda Bike Insurance:

Add-on covers are small coverage packages that enhance the basic comprehensive bike insurance plan. Mentioned below are the add-ons for the bike insurance:

Personal Belongings Protection

Get coverage for personal belongings such as your helmet. In case the helmet was damaged in the accident, the add-on will cover the repair or the replacement cost of the helmet.

Engine Protection

Damages to the engine due to water ingression or oil leakage are not covered under the basic comprehensive plan. The add-on will cover the cost to repair or replace engine parts that have been damaged.

Roadside Assistance

The add-on will provide assistance during emergencies. Services include towing, fuel fill, minor repairs are part of the add-on.

Consumables Cover

Consumables items such as nuts and bolts, engine and gearbox oil, screws, etc. are covered under this add-on cover.

Claim Procedure:

The claim process through ACKO is hassle-free and paperless. Follow the steps mentioned below for a smooth experience:

  • Step 1: Go to www.acko.com or download the ACKO app.

  • Step 2: Log in to your account with your registered mobile number.

  • Step 3: Choose the option ‘Claims’.

  • Step 4: Upload the pictures of the damage and answer a few questions about the damages.

  • Step 5: For minor damages, receive an instant settlement through an on-account fund transfer. For major damages, our claims team will guide you through the next set of steps to settle your claim.

Two-wheeler Insurance for Other Honda Bike Models:

Below are the bike insurance plans for other Honda bike models:

  • Honda Shine Bike Insurance

  • Honda Hness CB350 Bike Insurance

  • Honda CB350 RS Bike Insurance

  • Honda Dio Bike Insurance

  • Honda Activa Bike Insurance

  • Honda Activa 125 Bike Insurance

  • Honda SP 125 Bike Insurance

  • Honda Hornet 2.0 Bike Insurance

  • Honda Unicorn Bike Insurance

  • Honda Navi BS6 Bike Insurance

  • Honda XBlade Bike Insurance

  • Honda Grazia BS6 Bike Insurance

  • Honda CD 110 Deluxe Bike Insurance

  • Honda Gold Wing Bike Insurance

  • Honda CRF1100L Africa Twin Bike Insurance

  • Honda CBR650R Bike Insurance

  • Honda CB1000R Bike Insurance

  • Honda CBR Fireblade Bike Insurance

  • Honda Navi Bike Insurance

  • Honda Gold Wing Bike Insurance

Frequently Asked Questions:

Here are the frequently asked questions about Honda bike insurance:

Commonly Asked Questions About Honda Bike Insurance

1. What is the procedure to buy Honda bike insurance online?

You can visit our website www.acko.com or you can download the ACKO app to enter a few details of your vehicle to insure your Honda bike within minutes. You do not have to submit paperwork to buy or renew the policy, making the entire purchase or renewal journey simple and hassle-free.

2. How to renew my Honda bike insurance online?

Existing ACKO customers can log into their account through the website or ACKO app to access the account. Select the renewal option and renew the plan without any paperwork. If you are new to ACKO, just enter a few details of your Honda bike on the website or mobile app to renew the plan instantly.

3. Should I buy the Personal Accident (PA) cover and is it mandatory for bike insurance?

Yes, the PA cover is mandatory and can be purchased while buying or renewing the bike insurance policy. The cover protects you against the risk of death or physical disability due to an accident. The Insurance Regulatory and Development Authority of India (IRDAI) has mandated that the PA cover should be bought along with the two-wheeler insurance with the coverage of Rs. 15 lakhs.

4. Is Comprehensive Bike Insurance Policy mandatory for Honda bike insurance?

The comprehensive insurance plan for your Honda bike is not mandatory although it is the ideal insurance plan for your vehicle since it protects you against repair costs of the damage to your vehicle. While the Third-party Two-wheeler Insurance Policy is mandatory, it does not provide coverage for the insured vehicle. The comprehensive plan also offers the option to include add-ons to enhance the basic plan.

5. What documents are required to insure my Honda bike?

At ACKO you do not have to submit documents to insure your bike. Visit our website or app on your smartphone to enter a few details of the vehicle to insure it instantly. There is no paperwork required while buying motor insurance with ACKO.

6. What is an add-on cover in bike insurance and can I buy it for my Honda bike?

An add-on cover is a small coverage plan that is bought along with the Comprehensive Bike Insurance Plan. The add-on enhances the plan to include coverages that are not offered under the basic comprehensive plan. You can refer to the above-mentioned section for more information.

7. Do I get any discount for not filing any claims during the policy period and how to get it?

For not filing any claims during the policy period, the insurance provider offers a discount which is known as the No Claim Bonus (NCB). It will be provided to you in the form of a discount on the renewal premium of the policy. The discount starts from 10% for the first year and then goes up to 50% if you do not register any claims for five consecutive years.

8. How to file a claim against my Honda bike insurance at ACKO?

To file a claim against the ACKO bike insurance plan, you do not have to submit any documents. Just visit our website or app to answer a few details about the damage and upload the pictures for the same. For minor damages, ACKO offers instant claim settlement and for major damage, our claims team will guide you through the necessary steps.

9. My bike is damaged due to flooding. Does my bike insurance cover such liabilities?

Yes, bike insurance covers such damages. You can file a claim against the Comprehensive Two-wheeler Insurance Plan since it covers damage to the bike caused due to natural calamities.

10. How can I renew my expired Honda bike insurance policy?

Existing ACKO customers can visit our website or smartphone app to log in to their account and renew the plan online. Your bike may or may not be inspected before the policy can be renewed. During the period when the policy is inactive, you will not receive any coverage from the insurer. Also, No Claim Bonus earned is valid for a period of 90 days. It is important to renew the plan before it expires to avoid non-coverage of your vehicle.

About Two wheeler Insurance for Honda Bike

Vehicle insurance for your Honda bike is not only mandatory by law, but it is also essential to protect you against financial losses arising due to accidental damage to your bike or in case of theft of the insured bike. Additionally, the two-wheeler insurance provides coverage against damages arising from natural and/or man-made calamities such as floods, storms, riots, etc.

As per The Motor Vehicles Act, 1988, Third-party Insurance for two-wheelers are mandatory. It provides financial protection against third-party injury and/or damage to their property. It is a basic plan for your bike and it does not provide coverage for damage to your bike.

To ensure you have financial protection against repair costs arising due to damages to your bike, you need to buy the Comprehensive Insurance Plan. It is a bundled plan that includes both Third-party Bike Insurance and Own Damage cover. It offers complete protection against third-party losses as well as damage to the insured bike. You also have the option to purchase add-ons to further extend the coverage.

The Personal Accident (PA) cover is mandatory as well and needs to be bought when you buy or renew the two-wheeler insurance. You can buy it either with Third-party Bike Insurance or with Comprehensive Bike Insurance. The PA cover provides coverage against accidental death or disability of the owner-rider of the insured bike.

Why Should You Buy Honda Bikes?

Honda is known to build and manufacture motorcycles and scooters with refined engines that are both fuel-efficient and powerful. Honda is one of the top two-wheeler manufacturers in India and has made great efforts to introduce practical and performance bikes and scooters to cater to different needs. Apart from selling good quality bikes, they are focused on providing top-notch post-sales service to customers. There are several and widespread service centres across the country, making it easy for customers to get their bikes serviced.

Whether you prefer a scooter, commuter or performance sportbike, Honda has a vehicle for your needs. From the popular Honda Activa scooter to the sporty Honda CBR650R or the mid-capacity Honda CB350RS and the Hness 350, the Japanese two-wheeler manufacturer has a well-balanced two-wheeler portfolio for the Indian market. If you are looking for a two-wheeler that boasts of a refined engine, is fuel-efficient and a manufacturer that has a strong network of service centres, you should consider buying a Honda bike.

Honda Activa Specifications:

Engine (cc) 109.51
Fuel Type Petrol
Power (kW) 5.73 @ 8000rpm
Torque (Nm) 8.79 @ 5250rpm
Gearbox CVT (Gearless)
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 5.3
Colours Black, Matte Axis Grey, Pearl Precious White, Dazzle Yellow, Glitter Blue, Pearl Spartan Red

Honda Dio Specifications:

Engine (cc) 109.51
Fuel Type Petrol
Power (kW) 5.71 @ 8000rpm
Torque (Nm) 9 @ 4750rpm
Gearbox CVT (Gearless)
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 5.3
Colours Matte Axis Grey, Candy Jazz Blue, Vibrant Orange, Sports Red, Matte Sangria Red, Dazzle Yellow

Honda Grazia 125 Specifications:

Engine (cc) 124
Fuel Type Petrol
Power (kW) 6.07 @ 6000rpm
Torque (Nm) 10.3 @ 5000rpm
Gearbox CVT (Gearless)
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 5.3
Colours Sports Red and Pearl Nightstar Black

Honda Activa 125 Specifications:

Engine (cc) 124
Fuel Type Petrol
Power (kW) 6.10 @ 6500rpm
Torque (Nm) 10.3 @ 5000rpm
Gearbox CVT (Gearless)
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 5.3
Colours Pearl Precious White, Rebel Red, Midnight Blue, Heavy Grey

Honda Hornet 2.0 Specifications:

Engine (cc) 184.40
Fuel Type Petrol
Power (kW) 12.7 @ 8500rpm
Torque (Nm) 16.1 @ 6000rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 12
Colours Matte Axis Grey, Matte Marvel Blue, Pearl Igneous Black, Matte Sangria Red

Honda Xblade Specifications:

Engine (cc) 162.71
Fuel Type Petrol
Power (kW) 10.2 @ 8000rpm
Torque (Nm) 14.7 @ 5500rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 12
Colours Pearl Spartan Red, Matte Marvel Blue, Pearl Igneous Black, Matte Axis Grey

Honda Livo Specifications:

Engine (cc) 109.51
Fuel Type Petrol
Power (kW) 6.47 @ 7500rpm
Torque (Nm) 9.30 @ 5500rpm
Gearbox 4-Speed
Fuel System Fuel Injection (FI)
ABS No
Fuel Tank Capacity (litres) 9
Colours Athletic Blue, Matte Axis Grey, Imperial Red, Black

Honda Unicorn Specifications:

Engine (cc) 162.7
Fuel Type Petrol
Power (kW) 9.5 @ 7500rpm
Torque (Nm) 14 @ 5500rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 13
Colours Imperial Red, Pearl Igneous Black, Matte Axis Grey

Honda Shine Specifications:

Engine (cc) 124
Fuel Type Petrol
Power (kW) 7.9 @ 7500rpm
Torque (Nm) 11 @ 6000rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS No
Fuel Tank Capacity (litres) 10.5
Colours Rebel Red, Black, Athletic Blue, Geny Grey

Honda SP125 Specifications:

Engine (cc) 124
Fuel Type Petrol
Power (kW) 8 @ 7500rpm
Torque (Nm) 10.9 @ 6000rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 11
Colours Matte Axis Grey, Striking Green, Pearl Siren Blue, Imperial Red

Honda CD110 Deluxe Specifications:

Engine (cc) 109.51
Fuel Type Petrol
Power (kW) 6.47 @ 7500rpm
Torque (Nm) 9.30 @ 5500rpm
Gearbox 4-Speed
Fuel System Fuel Injection (FI)
ABS No
Fuel Tank Capacity (litres) 9.1
Colours Imperial Red, Athletic Blue, Geny Grey, Black, Black with Blue, Black with Cabin Gold, Black with Grey, Black with Red

Honda CB350RS Specifications:

Engine (cc) 348.36
Fuel Type Petrol
Power (kW) 15.5 @ 5500rpm
Torque (Nm) 30 @ 3000rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 15
Colours Black with Pearl Sports Yellow, Radiant Red Metallic

Honda H’ness 350 Specifications:

Engine (cc) 348.36
Fuel Type Petrol
Power (kW) 15.5 @ 5500rpm
Torque (Nm) 30 @ 3000rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 15
Colours Matte Marshal Green, Precious Red, Matte Steel Black with Matte Massive Grey, Pearl Night Star Black, Pearl Night Star Black with Spear Silver, Athletic Blue with Virtuous White

Honda CBR650R Specifications:

Engine (cc) 648.72
Fuel Type Petrol
Power (kW) 65 @ 11500rpm
Torque (Nm) 60.1 @ 8000rpm
Gearbox 6-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 15.4
Colours Grand Prix Red, Matte Gunpowder Black Metallic

Honda CB1000R Specifications:

Engine (cc) 998
Fuel Type Petrol
Power (kW) 107 @ 10,500rpm
Torque (Nm) 104 @ 8250rpm
Gearbox 6-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 16.2
Colours Graphite Black

Honda CBR1000RR-R (Fireblade) Specifications:

Engine (cc) 1000
Fuel Type Petrol
Power (kW) 160 @ 14,500rpm
Torque (Nm) 113 @ 12,500rpm
Gearbox 6-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 16.1
Colours Grand Prix Red (SP), Grand Prix Red (Standard), Matte Pearl Morion Black (Standard)

Honda Africa Twin Specifications:

Engine (cc) 1082.96
Fuel Type Petrol
Power (kW) 73 @ 7500rpm
Torque (Nm) 103 @ 6000rpm
Gearbox 6-Speed
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 24.5
Colours Darkness Black, Pearl Glare White Tricolour

Honda Gold Wing Specifications:

Engine (cc) 1,833
Fuel Type Petrol
Power (kW) 93 @ 5500rpm
Torque (Nm) 170 @ 4500rpm
Gearbox 7-Speed Forward and Reverse DCT
Fuel System Fuel Injection (FI)
ABS Yes
Fuel Tank Capacity (litres) 21.1
Colours Candy Ardent Red

Variants and Ex-Showroom Price of Honda Bikes:

Honda 2-wheeler India manufactures entry, mid and premium segment motorcycles and scooters in the country. The following is the ex-showroom price for each Honda bike in India:

*Prices are subject to change

Variants/Models Engine Capacity (CC) Starting Ex-Showroom Price*
Honda CD110 Dream STD 110 Rs. 64,500
Honda CD110 Dream DLX 110 Rs. 65,500
Honda Hornet 2.0 184 Rs. 1,28,195
Honda Hornet 2.0 Repsol Edition 184 Rs. 1,30,195
Honda Xblade Disc 162 Rs. 1,07,851
Honda Xblade Dual Disc 162 Rs. 1,12,241
Honda Livo Drum 109 Rs. 70,059
Honda Livo Disc 109 Rs. 74,259
Honda Unicorn 162 Rs. 95,738
Honda Shine Drum 124 Rs. 70,478
Honda Shine Disc 124 Rs. 75,274
Honda SP125 Drum 124 Rs. 76,074
Honda SP125 Disc 124 Rs. 80,369
Honda Grazia 125 Sports Edition 124 Rs. 83,140
Honda Activa 20th Year Anniversary Edition STD 109 Rs. 68,299
Honda Activa 20th Year Anniversary Edition DLX 109 Rs. 70,044
Honda Dio Repsol Edition 109 Rs. 68,127
Honda Dio STD 109 Rs. 62,229
Honda Dio DLX 109 Rs. 65,627
Honda Activa STD 109 Rs. 66,799
Honda Activa DLX 109 Rs. 68,544
Honda Activa 125 Drum 124 Rs. 70,629
Honda Activa 125 Drum Alloy 124 Rs. 74,198
Honda Activa 125 Disc 124 Rs. 77,752
Honda Grazia 125 Drum 124 Rs. 74,815
Honda Grazia 125 Disc 124 Rs. 82,140
Honda CB350RS Mono-tone 350 Rs. 1,96,000
Honda CB350RS Dual-tone 350 Rs. 1,98,000
Honda H’ness 350 DLX 350 Rs. 1,86,500
Honda H’ness 350 DLX Pro 350 Rs. 1,92,500
Honda CBR650R 650 Rs. 7.7 Lakhs
Honda CB1000R 1000 Rs. 14.5 - 14.9 Lakhs
Honda CBR Fireblade 1000 Rs. 16.5 - 19.30 Lakhs
Honda Africa Twin DCT 1100 Rs. 17.50 Lakhs
Honda Africa Twin MT 1100 Rs. 15.97 Lakhs
Honda Gold Wing 1833 Rs. 28 - 28 Lakh

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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