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Indian Motorcycle Bike Insurance

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Indian Motorcycle Bike Insurance

Home / Two-wheeler Insurance / Indian Motorcycle Bike Insurance

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.

Benefits of Buying Two-wheeler Insurance for Indian Motorcycle Models
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Comply With the Law
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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
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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
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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.

Two wheeler Insurance Plans for Indian Motorcycle
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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
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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
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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?
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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
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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
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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.

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

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

Personal Belongings - Damage/Theft
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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
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It will safeguard you against the cost of replacing the bike’s key in case it is stolen, lost or damaged.

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

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

Step 1
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Access the ACKO website or the smartphone app to log in to your account to raise claims.

Step 2
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Register your claim by uploading the pictures of damages to your bike.

Step 3
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For minor damages, your claims would be instantly settled. For major damages, our team will guide you throughout the process.

Frequently Asked Questions
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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 in bike insurance 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.