Kawasaki Two Wheeler Insurance

So you own a Kawasaki bike? Hats off just to that!

Planning to renew the insurance of your good old Kawasaki Ninja ZX bike or looking for the best two-wheeler insurance for your brand new Kawasaki Versys 1000 bike – you’ve landed just the right place.

Let’s dive into the two-wheeler insurance basics for your Kawasaki bike.

Understanding Kawasaki Insurance

Must-know Coverage for Your Kawasaki Bike

You can get following kinds of insurance policies for your Kawasaki Bike:

Third-Party Bike InsuranceComprehensive Bike Insurance
Only covers third-party injuries and damages, and not to your own vehicle.Gives third-party policy + coverage for losses and damages to your own bike
Mandatory by Indian Motors Act.It’s not mandatory to buy coverage for your own bike’s damages, but then we all know the state of Indian roads. And, who doesn’t love their Kawasaki bike?
Multi-year insurance availableMulti-year insurance available

Why You Should Insure Your Kawasaki Bike?

Kawasaki bikes are great on Indian roads, which is why there are so many of them. But with a two-wheeler insurance, you can:

  • Be sure that you’re rightfully compensated if your Kawasaki bike was stolen or damaged beyond repairs.
  • Get coverage for a third-party if your bike caused an accident and the third-party was injured or their property damaged.
  • Get comprehensive coverage for your own two-wheeler, in case damages were caused to your vehicle.
  • Be sure that no traffic policeman heavily fines you for not having an insurance policy for your bike. Strictly, say no to bribery!

 Good-to-Have Insurance Add-ons for Kawasaki Bikes

Zero Depreciation Cover:

Irrespective of the model of Kawasaki bike you have, depreciation is applicable on all kinds of metal, plastic, and fiber glass parts. In case of repairs / replacement claims, you would have to pay for the depreciation cost. However, with zero depreciation add-on, you can get that covered.

Return to Invoice Cover:

So that if your bike was stolen or completely damaged, the claim settlement amount from the insurance company is not as little as the current market value of your bike. Instead, it is as much as the invoice value of your bike. This is even when in case your bike was two years old, with a 20 percent lower current market value.

A lot of insurance companies offer specific add-on coverage at an addition premium cost. Depending on the model of Kawasaki bike you have, do enquire with your insurer about these coverage options. Key replacement, roadside assistance, personal accident cover of passengers could be a few such options.

Things a Two Wheeler Insurance Covers For Any Kawasaki Bike

  • Personal accident coverage for owner-driver
  • Accident-related damages to your bike
  • Damages caused during a natural calamity like flood or storm
  • Loss because of fire, explosions
  • Compensation for Stolen Bike

Things a Two Wheeler Insurance Does Not Cover For Any Kawasaki Bike

  • Wear and tear caused over the years [including flat tyres]
  • Losses caused when the bike was driven without a driving license
  • Damages caused when the bike was being driven under the influence of alcohol
  • Driving outside the geographical limits
  • If the bike is used for anything beyond it’s legal purpose [racing, illegal activities, organized crime]

Questions you might ask about Kawasaki Insurance:

How can I renew my Kawasaki Insurance online?

Your Kawasaki Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.

  1. If you have already selected an insurance company you can go to the insurer’s portal and renew it online by filling in the details.
  2. All you need to fill are your bike details (like Vehicle Registration Number, Engine/Chasis Number), your previous insurance details and your contact details. Once done, you can then renew the policy online by paying via netbanking, wallet or credit/debit card.
  3. Also, it is not necessary to continue your insurance policy with the same insurance company as the previous year. You can easily purchase insurance policy from a different insurer, as long as you are aware of the benefits and features being offered.

The two wheeler insurance of my Kawasaki Z900 bike has already expired. Is vehicle inspection mandatory?

No. Inspection is not mandatory even if the insurance for your bike has already expired. It is sometimes done at the discretion of the insurer but only if the insurance has lapsed for more than 6 months or so.

Is an online insurance policy valid for two-wheelers?

Of course it is valid. You get a valid bike insurance policy by renewing the policy online. All you need to do is fill in your previous policy bike details and get a valid insurance policy emailed to your registered email id. A printout of that would suffice.

Single-year or Mutli-year: what’s better in case of Kawasaki insurance?

Multi-year is always better as you get a better rate and your insurance policy is valid for 2 to 3 years. Thus, there is no renewal headache every year. Also, since you pay upfront, there is a huge discount on the premium.

How do I get no-claim bonus at the time of renewal?

If you have not claimed in the preceding year, then you can avail a No-Claim Bonus at the time of your next renewal. Keep one thing in mind: your bike insurance renewal has to happen before the previous policy expires. At the time of renewal of your Two-Wheeler Insurance Policy, you need to mention your last NCB and whether you have made any claim in the last year or not. You get discount on the own-damage premium as per the NCB grid provided by IRDA.

All vehicle Type NCB Grid% of discount on own damage premium
No Claim in the last 1 year20%
No Claim in the last 2 consecutive years25%
No Claim in the last 3 consecutive years35%
No Claim in the last 4 consecutive years45%
No Claim in the last 5 consecutive years50%

How much more do I need to pay for comprehensive two wheeler insurance?

The premium for a simple third party only insurance is fixed by the IRDAI. A comprehensive insurance policy includes own-damage premium too. The own-damage premium varies slightly from one insurance company to another and is dependent on a lot of factors, including your claims history and the age of your bike. The overall premium for comprehensive insurance is marginally higher, but highly recommended if you are looking for complete coverage for your Kawasaki bike.

Models Manufactured by Kawasaki: Which One Do You Ride?

Brand NameVariantsEngine CCMileage(kmpl)BHPWt. (kgs)Price Range(in Rs)
Kawasaki Activa 4GStandard109.260810850,200 to 53,312
Kawasaki Activa 4G4G11060810850,300 to 53,419
Kawasaki NaviOff-Road109.19607.810139,600 to 42,055
Kawasaki NaviStandard109.19607.810139,700 to 42,161
Kawasaki NaviChrome109.19607.810144,700 to 47,471
Kawasaki NaviAdventure109.19607.810148,200 to 51,188
Kawasaki ShineDrum Self and Alloy124.76510.5711856,000 to 59,472
Kawasaki ShineDisc Self and Alloy124.76510.5711858,300 to 61,915
Kawasaki ShineCBS124.76510.5712361,200 to 64,994
Kawasaki DioDLX109.260810548,600 to 51,613
Kawasaki CB UnicornStandard5626213.1414669,400 to 73,703
Kawasaki LivoDrum Self and Alloy109.19748.211153,700 to 57,029
Kawasaki LivoDisc Self and Alloy109.19748.211156,200 to 59,684
Kawasaki Activa 125Drum Self and Cast124.9608.611059,600 to 63,295
Kawasaki Activa 125Alloy Drum124.9608.611058,900 to 62,552
Kawasaki Activa 125Disc Self and Cast124.9608.611061,300 to 65,101
Kawasaki CBR 1000RRRepsol99918175.621115,46,000 to 16,41,852
Kawasaki CBR 1000RRWhite99918175.621115,46,000 to 16,41,852
Kawasaki CBR 1000RRBlack99918175.621115,96,000 to 16,94,952
Kawasaki CBR 1000RRCBR1000RR99918104.521015,96,000 to 16,94,952
Kawasaki CBR 1000RRFireblade Special Edition99918104.521018,00,000 to 19,11,600
Kawasaki Activa iStandard109.1966810346,900 to 49,808
Kawasaki CB Shine SPDrum Self and Alloy124.736510.5711860,900 to 64,676
Kawasaki CB Shine SPDisc Self and Alloy124.736510.5711863,400 to 67,331
Kawasaki CB Shine SPCBS124.736510.5711865,400 to 69,455
Kawasaki AviatorStandard109.1960810956,400 to 59,897
Kawasaki CBR 250 RStandard249.62926.151631,61,000 to 1,70,982
Kawasaki CBR 150 RStandard149.43818.281381,22,000 to 1,29,564
Kawasaki CB Unicorn 160BS-IV162.716214.514073,500 to 78,057
Kawasaki Dream YugaDrum Self and Alloy109.19728.2510851,700 to 54,905
Kawasaki Hornet 160 RCBS162.716015.614285,100 to 90,376
Kawasaki Dream NeoDrum Self and Alloy109.19748.2510749,800 to 52,888
Kawasaki CBR 650 FStandard648.72185.22157,30,000 to 7,75,260
Kawasaki CD 110 DreamKick Drum and Alloy109.19748.2510544,700 to 47,471
Kawasaki CD 110 DreamSelf Drum and Alloy109.19748.2510546,900 to 49,808
Kawasaki CB 1000RStandard99817123.322211,82,000 to 12,55,284
Kawasaki CB 1000RABS99817123.322213,27,000 to 14,09,274
Kawasaki VTStandard13122056.930814,00,000 to 14,86,800
Kawasaki GoldwingAudio Comfort183218.42116.641328,50,000 to 30,26,700
Kawasaki GoldwingAirbag183218.42116.641331,50,000 to 33,45,300

News Related to Kawasaki:

Kawasaki Launches 2020 Versys-X 250 in Indonesia

– August 5, 2020

Japanese bike manufacturer Kawasaki has launched the 2020 version of the Kawasaki Versys-X 250 for the Indonesian market. The adventure motorcycle is priced at Rp 63,700,000 which translates to Rs. 3.26 lakh approximately in Indian currency. While the 2020 model has not received any form of changes to the exterior or features, the bike manufacturer has launched a tourer variant which is priced around Rs. 22,000 more than the base variant. The tourer version comes with several features such as engine protector and knuckle guards. Other changes include a new paint scheme with the tourer version, which is now available with a grey colour option while the base variant is available only with the green colour option. The adventure motorcycle derives power from a 249cc liquid-cooled twin-cylinder unit that is competent enough to churn out a maximum power of 33.5bhp and a peak torque of 22Nm and comes paired with a 6-speed gearbox. The bike features telescopic forks at the front and a mono-shock suspension at the rear. Brakes are of discs which are of 290mm at the front and 220mm at the rear. Also, the tourer variant does not come with ABS.

Kawasaki Reveals 2021 Kawasaki Z1000

– August 3, 2020

Japanese bike manufacturer Kawasaki has taken the wraps off the 2021 Z1000 naked roadster. The bike was revealed for the Indonesian market. The 2021 Kawasaki Z1000 roadster is priced at approximately Rs.18 lakhs. The roadster is available in just one paint scheme, black with red highlights. The bike continues to feature LED lighting, twin-pod headlight, semi-digital instrument console, etc. Additionally, the bike also gets dual-channel ABS; however, it misses out on traction control and cornering ABS. The roadster features a 41mm inverted fork at the front from Showa and mono-shock at the rear from Ohlins. As for the braking duties, the bike features a 310mm dual disc brake at the front and 250mm disc at the rear. The bike comes with 17-inch alloy wheels at both ends. The motorcycle derives power from a 1043cc dual overhead cam engine which is capable of churning out a maximum power of 140bhp and a peak torque of 111Nm. The unit is paired with a 6-speed gearbox along with a slip-assist clutch technology. The Kawasaki Z1000 competes with the likes of the Honda CBR1000R, the BMW S 1000R, Yamaha MT-10 and the Suzuki GSX-S1000.

Kawasaki Launches BS6 Ninja 1000SX in India

– June 3, 2020

Kawasaki has launched the BS6 Kawasaki Ninja 1000SX in India. The pan-Indian ex-showroom price of the new Kawasaki Ninja 1000SX is Rs.10.79 lakh. Manufactured locally in India, the BS6 Kawasaki Ninja 1000SX features a new reworked exhaust system replacing the twin exhausts with a single exhaust on the right side of the bike. The side panels have been redesigned and slightly revised belly pan. The BS6 Kawasaki Ninja 1000SX features a 4.3-inch TFT instrument console, LED lighting, smartphone connectivity, 4-step adjustable windscreen. The new updated Ninja 1000SX draws power from a 1,043cc four-cylinder engine which produces a maximum power of 140bhp and a peak torque of 111Nm and comes paired with a 6-speed gearbox. The BS6 avatar of the bike comes with two paint schemes: Metallic Carbon Grey/Emerald Glazed Green/Metallic Graphite Grey and Metallic Diablo Black/Metallic Graphite Grey.

Kawasaki Launches BS6 Z650 in India

– May 27, 2020

Kawasaki India has launched the BS6 Z650 in India. The ex-showroom price of the new BS6 Kawasaki Z650 is Rs.5.94 lakh. The new Z650 comes with a host of features such as all-LED headlights, a TFT colour instrument console, Dunlop Sportmax tyres, and smartphone connectivity. Also, on the exterior front, the BS6 Z650 receives a new fairing cowl and chunky radiator cowls. The Kawasaki BS6 Z650 draws power from a 649cc parallel-twin engine that is capable of producing a maximum power of 68hp and peak torque of 64Nm and comes paired to a 6-speed gearbox. The sportbike in its BS6 avatar weighs 191kgs and comes with a slip and assist clutch.

Kawasaki Reveals Prices of BS6 Kawasaki W800 and Versys 1000

– May 20, 2020

Kawasaki has revealed the price of the BS6 iteration of the Kawasaki W800 and the Kawasaki Versys 1000 for the Indian market. While the BS6 W800 is priced at Rs.7 lakh, the BS6 Versys 1000 is priced at Rs.10.99 lakhs. While the motorcycles have received an update to their engines, which are now BS6 compliant, there are no cosmetic changes. The Kawasaki W800 draws power from a 773cc vertical-twin cylinder engine which is capable of producing a maximum power of 51bhp and peak torque of 63Nm and comes paired with a 6-speed gearbox. The Kawasaki Versys 1000 draws power from a 1,043cc in-line four-cylinder engine that is capable of producing a maximum power of 118bhp and peak torque of 102Nm and comes paired with a 6-speed gearbox. Both motorcycles boast Assist and Slipper Clutch features, while the Versys 1000 also gets features such as cornering management function, traction control system, ABS, cruise control, among others.

Kawasaki Launches BS6 Versys 1000 in India

– May 19, 2020

Kawasaki has launched the BS6 Versys 1000 in India. The company has updated the price of the adventure bike and it is priced at Rs.10.99 lakh (Ex-Showroom). The BS6 Kawasaki Versys 1000 draws power from a 1,043cc in-line four-cylinder engine that is capable of producing a maximum power of 120PS and peak torque of 102Nm. The unit comes paired with a 6-speed gearbox. This is the same engine which powers the Kawasaki Ninja 1000 but slightly tuned to deliver higher torque. The motorcycle gets cruise control, traction control, ABS, cornering management function, among others. It also boasts of LED headlights, LCD instrument cluster, adjustable windscreen, assists slipper clutch, etc. At the front of the Versys 1000, the motorcycle features an upside-down suspension and a horizontal back-link at the rear. The Versys 1000 comes in two paint schemes – Metallic Spark Black/Candy Lime Green and Metallic Spark Black/Pearl Stardust White.

Kawasaki Launches BS6 Ninja 650 in India

– May 13, 2020

Kawasaki has launched the BS6 compliant Kawasaki Ninja 650 in India. The motorcycle with BS6 compliant engine comes with an ex-showroom price of Rs.6.24 lakh. The BS6 version of the Ninja 650 is powered by a 649cc parallel-twin unit which produces a maximum power of 68hp and peak torque of 64Nm. The new BS6 Ninja 650 features an all-new fascia at the front, LED twin headlights, and slight changes to its side profile. The bike continues to weigh 196kgs. However, the biggest update comes in the form of a 4.3-inch fully coloured instrument cluster which supports GPS and smartphone connectivity. The bike features Dunlop Sportmax Roadsport 2 tyres at both ends.