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Indian Motorcycle Bike Insurance

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Indian Motorcycle Two-wheeler Insurance

Bike Insurance for Indian Motorcycle

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Indian Motorcycle is an American brand that sold its first bike in 1902, becoming the country’s first motorcycle company. Over the years, the company spread its operations across the globe with its Indian debut in 2014. Since then, it has launched many Indian bike models such as Indian FTR, Indian Springfield, Indian Challenger, Indian Scout, etc. 

The Indian Motorcycle bikes are meticulously designed and engineered to offer a supreme riding experience. While riding, your Indian Motorcycle bike can be prone to damages due to many reasons such as accident, natural calamities, fire, etc. For a premium and expensive brand such as the Indian Motorcycle, such damages can dig a hole in your pocket. Hence, it is essential to protect your bike against unforeseen liabilities by buying Indian two-wheeler insurance.

Two wheeler Insurance Plans for Indian Motorcycle

While buying bike insurance for Indian Motorcycle bikes, you have mainly two choices - Third-party two-wheeler insurance and Comprehensive two-wheeler insurance.

Third-party Two-wheeler Insurance

Third-party two-wheeler insurance for Indian Motorcycle bike offers the basic coverage of safeguarding you against third-party liabilities. This includes compensating you for losses/damages such as injuries to someone else or damages to their property. Owning this basic policy is mandatory while riding your bike in India.

Comprehensive Two-wheeler Insurance

Just like the name suggests, it provides comprehensive coverage against third-party liabilities as well as damages to your bike. When you ride your bike on the roads, they are prone to damages due to accidents, fire, natural calamities and riots. Your Indian Motorcycle bike can also be stolen by a thief. Comprehensive two-wheeler insurance protects you against all these damages. You can also customise and enhance the policy by including relevant add-on covers.

Here is a table highlighting the difference between these two bike insurance policies for your Indian motorcycle.

Third-party property/life Yes Yes
Damage to the insured Indian motorcycle Yes No
Man-made calamities (riots, vandalism, etc.) Yes No
Natural calamities (floods, earthquakes, etc.) Yes No
Personal Accident (PA) cover for owner/rider Optional Optional
Theft or damage due to fire, explosions, etc. Yes No
Add-on covers Yes No
Customisable Sum Insured Amount Yes No

What’s Covered in Indian Motorcycle Bike Insurance?

The Comprehensive two-wheeler insurance policy provides the following benefits.

1. Accident-related damages to the insured bike.

2. Third-party life and property coverage.

3. Losses due to fire or explosions.

4. Damages or losses due to natural calamities such as floods, storms, etc.

5. Losses due to riots, vandalism, etc.

6. Losses due to theft of the bike.

Note: You can club Personal accident Cover along with a Third-party or Comprehensive policy to safeguard yourself. Personal Accident Cover is mandatory in India and covers both permanent disability/death while riding your bike. It is not a part of the plan and needs to be bought additionally if you don’t have one.

Exclusions of Indian Motorcycle Bike Insurance

The Comprehensive two-wheeler insurance policy also comes with a few exclusions as listed below.

1. Losses caused while riding in an intoxicated state.

2. Losses caused while riding with an invalid driving licence.

3. Regular wear and tear of your Indian Motorcycle bike.

4. Breakdown due to electrical or mechanical issues.

5. Losses caused while riding outside the specified geographical limits.

Benefits of Buying ACKO Bike Insurance Policy for Your Indian Motorcycle

New-age digital insurance providers such as ACKO are disrupting the industry with innovative technologies and offering a host of benefits along with their two-wheeler insurance policies.

Online Mode

The entire process is online. Buy, renew or raise a claim from anywhere and anytime through ACKO website or the mobile app. It’s that simple - no paperwork, super fast and hassle-free.

Quick Settlement of Claims

When you raise a claim on ACKO, you don’t have to worry about the tedious process. Raise a claim by logging in to your account. For minor damages, you will get instant settlements. For major damages, our support team will guide you.

Optimize Savings

When you buy on ACKO, you are directly interacting with us. There are no agents/middlemen involved unlike in traditional insurance policies. This lowers operating costs for us, which we pass as benefits to our customers in the form of low-cost insurance.

Add-ons for Indian Motorcycle Insurance

Add-on covers offer wider coverage in addition to the basic Comprehensive plan. Below are the add-on covers that you can choose from to enhance the Indian Motorcycle bike insurance policy.

Zero Depreciation Cover

The depreciation of the parts being repaired or replaced will not be considered while settling claims.

Consumables Cover

With this add-on cover, the cost to repair consumable items such as engine oil, nut and bolt, screw, etc. will be covered.

Bike Engine Protect Cover

Receive the cost of repair/replace parts of the engine in case of oil leakage or due to water ingression.

Personal Belongings - Damage/Theft

Stay relaxed as this add-on cover will pay you in case your helmet need to be repaired or replaced in case of an accident, theft, natural disaster, fire, or riots.

Key Protect Cover

It will safeguard you against the cost of replacing the bike’s key in case it is stolen, lost or damaged.

Roadside Assistance

Get access to emergency assistance services such as towing, flat tyre repair, etc. in case of your bike breakdown.

Outstation Emergency

We will pay the amount mentioned in the policy document if your bike breaks down outside 100 kms radius of your residence.

Claim Procedure for Your Indian Motorcycle on ACKO

ACKO provides a paperless experience while settling claims. Follow the steps below to raise a claim online.

Step 1

Access the ACKO website or the smartphone app to log in to your account to raise claims.

Step 2

Register your claim by uploading the pictures of damages to your bike.

Step 3

For minor damages, your claims would be instantly settled. For major damages, our team will guide you throughout the process.

Frequently Asked Questions

Below are answers to some of the frequently asked questions about two-wheeler insurance for Indian Motorcycle.

Buying Related FAQs

How can I save on my Indian Motorcycle insurance?

There are several ways you can save on insurance for your Indian Motorcycle bike. One of the ways to reduce insurance costs is to opt for a digital-first insurance company. Companies such as ACKO follow the Zero Commission model, due to which the prices are comparatively low as compared to a traditional insurance company. Furthermore, you can install anti-theft devices and become a member of the Automobile Association of India and/or the Western Automobile Association of India since insurers consider these factors before pricing the insurance policy.

How do I get an insurance quote for my Indian motorcycle?

Getting an insurance quote is simple, easier and quicker through the online mode. Visit new-age digital insurance companies such as ACKO’s website/app to get quotes for your Indian motorcycle. Enter a few details such as the registration number, year of manufacture, personal details and details of the existing policy (if any), and you will be able to view the insurance quote for your Indian Motorcycle bike.

Where can I buy bike insurance for my Indian Motorcycle?

Gone are the days when you had to depend on an agent or a middleman to buy bike insurance for your two-wheeler. Digital-first insurance companies like ACKO offer a hassle-free and paperless experience while buying, renewing and raising a claim. You can visit the website or download the mobile app on your smartphone to transact with us. Since there is no agent involved to sell the insurance, we are able to provide cheaper bike insurance policies while offering the best of services.

How does the Insured Declared Value (IDV) impact the insurance price for Indian motorcycles?

IDV is the current market value of the motorcycle and the insurance company will pay this amount in case of a total loss or damages to the insured bike. You have the option to increase or decrease the IDV and this will have a direct bearing on the premium you pay for the policy. The higher the IDV, the higher the premium amount.

What are the best add-on covers for my Indian Scout Bobber?

There is no suitable add-on cover for any particular bike. However, add-on covers provide extra coverage compared to basic Comprehensive insurance. There are several add-ons that you can choose from. These include Zero Depreciation, Roadside Assistance, etc. You can read more about it in the above-mentioned section.

Is ACKO bike insurance for Indian motorcycles expensive?

Typically, the insurance cost for a two-wheeler is impacted by factors such as the value of the bike, year of manufacture, the location of the vehicle, etc. However, ACKO bike insurance for Indian motorcycles is lower since it does not hire agents or middlemen to sell the insurance policy. In addition, Acko is a digital-first insurance company that has a robust digital platform, thereby, reducing the operational cost. With the reduction in operational costs, the benefit is passed on to customers. This has resulted in cheaper bike insurance plans from ACKO.

What are the documents required to insure my Indian Scout?

Previously, you had to submit several types of documents to insure your bike. However, with digital insurance companies such as ACKO, the need for documents has been eliminated. ACKO does not require you to submit any documents. That said, while insuring your Indian motorcycle, you will need only details such as the registration number of the vehicle, location, year of manufacture, the model, the existing policy details (if any) and personal details. Enter these details and insure your Indian Motorcycle within minutes.

Renewal Related FAQs

How long does it take to renew Indian motorcycle insurance?

Almost instantly! Yes, this is possible through the online mode. Digital-first insurance companies such as ACKO have transformed their operations with advanced technologies. This has resulted in the reduction of the Turn-Around-Time (TAT) for the renewal of motorcycle insurance. Visit the ACKO’s website or the smartphone app, access your account and renew the policy which is due for renewal and receive the policy at your registered email address almost instantly.

My Indian motorcycle insurance has expired. Does it require an inspection before insurance can be renewed?

Insurance companies usually provide a grace period of up to 30 days to renew expired bike insurance. However, you can still renew it after the grace period by paying the required charges. With ACKO, there is no pre-inspection required to renew a bike insurance policy. However, it is advised to renew your policy at the earliest to continue receiving the benefits of your policy and avoid legal hassles. 

Can I transfer my Indian bike insurance to another insurance provider?

Yes, you can transfer your existing insurance policy from one insurer to another. You can visit the insurer’s website or their smartphone app to buy a new bike insurance policy. You can also transfer the accumulated No Claim Bonus discount from your existing policy to the new policy without being worried about the benefit being lost.

Two wheeler Insurance for Indian Motorcycle Bike

In India, Indian Motorcycles sells the Scout, the Chief range, Roadmaster and the Springfield. Indian Motorcycles are built with sophisticated motor parts. Hence, they are expensive compared to a regular commuter bike.

For premium motorcycles such as the Indian Motorcycle, motor insurance is pivotal as repairing or replacing these parts can be expensive. A Comprehensive bike insurance policy protects you against third-party liabilities and damages/losses to the insured bike.

ACKO bike insurance policy for Indian motorcycles offers wider coverage at a lower premium. Along with this, it also offers excellent post-sale services for a hassle-free experience.

Benefits of Buying Two-wheeler Insurance for Indian Motorcycle Models

Comply With the Law

To ride a motorcycle in India, it is a legal requirement to hold the bike insurance before riding the bike on public roads. Not owning a basic Third-party policy can lead to heavy monetary penalties.

Protection Against Third-party Liabilities

Apart from being a mandatory document, it is also important to protect yourself against third-party liabilities such as injuries to someone else or damage to their property.

Secure Your Bike Against Damages

A Comprehensive bike insurance policy also covers losses/damages to your insured bike in events such as fire, accidents, natural or man-made calamities, theft, etc. You can also buy add-ons to further enhance the policy.

Why Should You Buy an Indian Motorcycle Bike?



Indian Motorcycles are known for their high-performance and large-capacity engine that propel cruisers. However, in recent times, the company has ventured into the urban segment by launching exciting models such as the Indian FTR.


Modern Technology

The most popular or evergreen models of Indian Motorcycle are the Big Chief and Roadmaster range of cruiser and touring motorcycles. The Indian Chief Vintage or the Roadmaster are designed to bring out the bygone classic era, but with modern equipment, engine and technology.


High on Features

Indian Motorcycle has come a long way in reshaping its offerings based on the present needs of customers. Modern features such as the touchscreen infotainment system offer turn-by-turn navigation, Apple CarPlay, Bluetooth connectivity, etc.


Excellent Specifications

On the specifications, the company has developed several new chassis to provide excellent handling and agile cornering. If you are looking for an aggressive and retro-modern cruiser or an urban scrambler type of motorcycle, Indian Motorcycle has a bike for you.

Indian Scout Specifications

The Indian Scout is the entry-level model from Indian Motorcycle. Compared to its elder siblings, the Indian Scout is smaller, lightweight and the low seat offers an easier ride for both experts as well as beginners. The motorcycle comes in different iterations, such as Indian Scout Sixty, Indian Scout Bobber and the Indian Scout.

Engine (cc) 1133
Fuel Type Petrol
Peak Torque (RPM) 5600
Torque (Nm) 97
Gearbox 6-Speed
ABS Dual-Channel
Fuel Tank Capacity (litres) 12.5

Indian Scout Sixty Specifications

The Indian Scout Sixty is the smaller sibling of the Scout range. With a smaller capacity engine, the Scout Sixty is quick and is also the lower-priced Scout from the Indian Motorcycle family.

Engine (cc) 1000
Fuel Type Petrol
Peak Torque (RPM) 5000
Torque (Nm) 88
Gearbox 6-Speed
ABS Dual-Channel
Fuel Tank Capacity (litres) 12.5

Indian Scout Bobber Specifications

To access motorcycles from Indian Motorcycle, the company has built three models of its entry-level Scout. One of them is the Indian Scout Bobber. It has the signature bobber design cues while still being propelled by the 1133cc engine that powers the Indian Scout.

Engine (cc) 1133
Fuel Type Petrol
Peak Torque (RPM) 5600
Torque (Nm) 97
Gearbox 6-Speed
ABS Dual-Channel
Fuel Tank Capacity (litres) 12.5

Indian FTR Specifications

To offer an exciting and fun on the dirt track, Indian Motorcycle introduced the Indian FTR, inspired by the flat track version of the Indian FTR 750 race bike. The Indian FTR is a street fighter and is available in three versions such as the Indian FTR 1200, Indian FTR Rally and the Indian FTR 1200 S.

Engine (cc) 1203
Fuel Type Petrol
Peak Torque (RPM) 6000
Torque (Nm) 118
Gearbox 6-Speed
ABS Dual-Channel
Fuel Tank Capacity (litres) 12.9

Indian Vintage/Springfield/Chieftain/Roadmaster Specifications

Among the legends of the Indian Motorcycle, the Indian Vintage created a niche for itself with its stylish design language and powerful engine. While the Vintage, Springfield, Chieftain and the Roadmaster share the same engine, they are different and cater to different requirements.

Engine (cc) 1890
Fuel Type Petrol
Peak Torque (RPM) 2800
Torque (Nm) 168
Gearbox 6-Speed
ABS Dual-Channel
Fuel Tank Capacity (litres) 20.8

Indian Challenger Specifications

Targeted at the touring segment, the Indian Challenger is a cruiser built especially for touring. It comes with several premium and luxury features as well as a host of equipment for safety, comfort and entertainment.

Engine (cc) 1768
Fuel Type Petrol
Peak Torque (RPM) 3800
Torque (Nm) 178
Gearbox 6-Speed
ABS Dual-Channel
Fuel Tank Capacity (litres) 22.7

Models and Ex-Showroom Price of Indian Motorcycle

Indian Motorcycles in India have various models catering to the cruiser, bagger, touring, and scrambler segment. Below are the prices of Indian Motorcycle models being retailed in India.

Indian Scout Cruiser Rs. 13 Lakhs
Indian Scout Sixty Cruiser Rs. 11 Lakhs
Indian Scout Bobber Cruiser Rs. 12 Lakhs
Indian FTR Scrambler Rs. 16 - 18 Lakhs
Indian Roadmaster Touring Rs. 40 - 46 Lakhs
Indian Chieftain Dark Horse Cruiser Rs. 30 Lakhs
Indian Chief Classic Cruiser Rs. 21 Lakhs
Indian Springfield Bagger Rs. 33 Lakh
Indian Challenger Cruiser Rs. 40 lakh

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.