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KTM Bike Insurance

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KTM Two-wheeler Insurance

Bike Insurance for KTM

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Riding a KTM can be a fun-filled experience. However, riding any two-wheeler can also be a somewhat risky proposition. You might have total control over your KTM but can you be sure about other riders and drivers on the road? No! This is where there’s a need to be alert while riding a KTM bike and to opt for KTM bike insurance to avoid financial losses. A Comprehensive Two-wheeler Policy will help you meet legal requirements and offer insurance cover against unexpected damages.

Benefits of Buying Online Two-wheeler Insurance for KTM Bikes

Listed below are the prominent advantages of insuring your KTM two-wheeler via the online insurance mode.

1. Paperless Transactions

One of the major hurdles faced by the offline mode of insuring vehicles is the tedious paperwork. This involves filling lengthy forms and attaching identity-related documents to those forms. In the online mode, there’s no need for such paperwork.

2. No Middlemen

Online bike insurance cuts out the middlemen/agents. You have the power to directly purchase the bike insurance policy from the insurance company. For example, you can insure your KTM bike from ACKO’s website/app without paying agent commission.

3. Buy/Renew Anytime

You can purchase a bike insurance policy or renew it anytime. All you need is a device such as a smartphone/laptop with an active internet connection. For example, you can visit ACKO’s website, share bike details, and purchase a suitable insurance plan anytime by making an online payment.

Types of Bike Insurance Plans for KTM Bikes

Here are the two basic types of bike insurance plans for your KTM bike.

1. Third-party Liability Policy

The Indian Motor Vehicles Act, 1988 requires you to insure your bike with this policy. Failing to do so can lead to penalties. This policy comes at a low cost and only covers liabilities towards injuries or damages to third-party people/property. It does not cover damages caused to your KTM bike.

2. Comprehensive Cover

As is evident by the name, this type of policy not only covers the law-mandated liability policy but also insures your KTM bike against damages and theft. With this plan, your KTM bike will be insured against damages caused by accidents, calamities, and other similar incidents.

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

Here’s what’s included in a Comprehensive KTM Two-wheeler Insurance Plan.

  • Compulsory Third-party Liability Policy.

  • Coverage against accidental damage to the insured two-wheeler.

  • Cover in case the insured bike is stolen.

  • Cover for the insured bike in case of damages due to calamities (natural and man-made).

  • Insurance coverage as per the selected add-on plans.

  • Coverage in case of theft.

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

Here’s what’s not covered in bike insurance. Note that you need to buy a Personal Accident Cover separately unless you already have it under another policy.

  • No insurance cover for an expired or invalid policy.

  • No insurance cover if traffic rules were violated.

  • No cover for riding without a valid and an active Driving License.

  • No cover for riding the bike under the influence of intoxicants such as alcohol.

  • No cover for consequential damages unless an add-on cover is purchased for it.

Add-ons for KTM Bike Insurance Policy

You can buy the following additional coverages to strengthen your KTM Comprehensive Two-wheeler Insurance Policy.

  • Zero Depreciation Add-on will help you to make the most of your claim as it does not consider depreciation while calculating the claim settlement amount.

  • Roadside Assistance Add-on will help you to avail emergency services in situations where your bike’s breaks down during the journey.

  • Key Protect Add-on will cover the cost of replacing the lost or damaged bike key.

  • Personal Belongings Damage/Theft Add-on will insure items kept in the KTM.

  • Outstation Emergency Cover will offer a fixed amount in a situation where the bike is stranded during an outstation journey.

  • Bike Engine Protect Add-on insures damages to the two-wheeler’s engine.

  • Consumables Cover to cover the cost of items like engine oil and lubricants used for bike repair.


Here are three reasons why you should pick ACKO as your bike insurer.

1. Affordable Premium

ACKO’s bike insurance policy can be purchased at a low premium without compromising on the extent of the coverage offered.

2. Instant Settlement

With ACKO, you do not have to fill endless forms and wait for claim settlement. Claims for minor damages happen instantly while major claims are also settled smoothly and quickly.

3. 24x7 Support

If you have any doubt regarding anything related to buying, renewing, or claiming bike insurance, reach out to our Customer Support team and they will help you resolve your concerns.

Claim Procedure

Settling claims with ACKO is super simple. Just follow these steps.

Step 1: Log in to your ACKO account

Step 2: Click on Claim Now and share claim-related details

Step 3: Receive instant claim settlement for minor damages and know the next steps for major claims.

Frequently Asked Questions

Common questions about KTM Bike Insurance.

Do 200cc bikes need to be insured in India?

Yes, 200cc bikes need to be insured in India as per The Motor Vehicles Act, 1988.

Can I insure my KTM for ten years directly while buying it?

No, your bike cannot be insured for ten years flat. However, there are long-term policies available. For example, your KTM bike can be insured for three years with ACKO.

Which is the best add-on for my KTM?

Add-ons need to be purchased based on individual requirements. For example, if you go on outstation road trips, then an Outstation Emergency Cover is a good buy.

Is it allowed to ride a bike with an expired policy within the city?

No, riding an uninsured bike on public roads is a punishable offence.

Can I insure my KTM bike from ACKO even though I had purchased the policy from another digital insurer?

Yes, you can do so while renewing your bike insurance plan.

About Two wheeler Insurance for KTM Bikes

Going for the basic, Third-party only form of insurance might suit someone who has a less expensive vehicle that is not used often. However, when it comes to bikes such as KTM that are expensive and can cost a lot to repair, it is suggested to opt for a Comprehensive Two-wheeler Insurance Plan. This plan will not only meet legal requirements but also help you out with paying the garage bill if your KTM gets damaged.

Why Should You Buy A KTM Bike?

KTM bikes are all about speed. If you are someone who feels the need for speed, then the KTM brand is perfect for you. These two-wheelers are fast, attractive, and suitable for thrilling rides. Bajaj Auto has entered into a partnership model with KTM in India. This makes the brand even more reliable. KTM bikes in India are classified as Naked, Supersport, and Adventure. These bikes offer engines in different cubic capacities to suit your needs. Here are the top highlights of KTM two-wheelers in India.

  • Awesome looks

  • Powerful engines

  • Designed for speed

  • Sturdy construction

KTM Bike Specifications

Here’s a table highlighting key specifications of KTM Bikes.

Model Engine (cc) Weight (kg) Fuel Capacity (l) Power
390 Duke 373.3 167 13.5 32 kW (43.5 PS) @ 9,000 rpm
250 Duke 248.8 169 13.5 22 kW (30 PS) @ 9,000 rpm
200 Duke 199.5 159 13.5 18.3 kW (25 PS) @ 10,000 rpm
125 Duke 124.7 159 13.5 10.6 kW (14.5 PS) @ 9,250 rpm
RC 390 373.3 170 13.5 32 kW (43.5 PS) @ 9,000 rpm
RC 200 199.5 160 9.5 18.3 kW (25 PS) @ 10,000 rpm
RC 125 124.7 160 9.5 10.6 kW (14.5 PS) @ 9,250 rpm
390 Adventure 373 177 14.5 32 kW (43.5 PS) @ 9,000 rpm
250 Adventure 248.76 177 14.5 22kW (30 PS) @ 9,000 rpm

KTM Bikes Variants and Price

Here’s a table featuring the KTM bike price as per the variants. Note that the prices are subject to changes.

Model Price in Lakhs (Rs.)
390 Duke 2.74
250 Duke 2.2
200 Duke 1.82
125 Duke 1.56
RC 390 2.64
RC 200 2.05
RC 125 1.67
390 Adventure 3.14
250 Adventure 2.53

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.