KTM Two Wheeler Insurance

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

Planning to renew the insurance of your good old KTM 200 Duke bike or looking for the best two-wheeler insurance for your brand new KTM RC 390 bike – you’ve landed just the right place.

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

Understanding KTM Insurance

Must-know Coverage for Your KTM Bike

You can get following kinds of insurance policies for your KTM 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 KTM bike?
Multi-year insurance availableMulti-year insurance available

Why You Should Insure Your KTM Bike?

KTM 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 KTM 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 KTM Bikes

  • Zero Depreciation Cover:

Irrespective of the model of KTM 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 KTM 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 KTM 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 KTM 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 KTM Insurance

How can I renew my KTM Insurance online?

Your KTM 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 KTM 250 Duke 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 KTM 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 KTM bike.

Models Manufactured by KTM: Which One Do You Ride?

Brand NameVariantsEngine CCMileage(kmpl)BHPWt. (kgs)Price Range(in Rs)
KTM RC 390Standard373.32543.5159.52,25,000 to 2,38,950
KTM RC 390ABS373.32543.5159.52,26,000 to 2,40,012
KTM RC 200Standard199.530251451,72,000 to 1,82,664
KTM Duke 200200 STD 2017199.535251291,44,000 to 1,52,928
KTM Duke 200Standard199.535251291,44,000 to 1,52,928
KTM Duke 390STD 2017373.225431541,96,000 to 2,08,152
KTM Duke 390Standard373.225431542,26,000 to 2,40,012
KTM Duke 250Standard248.7625301611,74,000 to 1,84,788

Ktm India Announces A New Customer Engagement Program

– October 21, 2020

A new customer engagement program has been announced by KTM for its present bike owners. The programme is called ‘Pro Experiences’ and is available for the owners of RC series, Duke series, and KTM 390 Adventure bikes. A person needs to pay Rs 3,000 and 4,500 to enrol under the MMRT and BIC sessions. The event can be attended by new customers as well, they will get a free Pro experience ticket for the same. The programme is divided into 3 categories called KTM Track Day, KTM Pro-Rides, and KTM Adventure Tour. The manufacturer has also appointed ‘Master Trainers’ that will help the participants get the most of the programme. KTM Adventure Tour offers long-distance rides that will happen over 7 to 10 days. KTM Pro-Rides will span over a 4-day period. And KTM Track Day includes sessions about riding on a race track.

KTM Reveals 2021 890 Adventure

– October 21, 2020

Austrian bike manufacturer, KTM has taken the wraps off the 2021 KTM 890 Adventure motorcycle. It comes in three iterations: Standard, R and Rally. The 2021 version of the middleweight adventure motorcycle derives power from an 889cc parallel-twin unit which is able to punch out a maximum power of 1035bhp and a peak torque of 100Nm. The bike comes with low-slung furl tank, a tall-windscreen, split seats and knuckle guard. At the rear, the 2021 KTM 890 adventure motorcycle comes with WP APEX shock absorbers at the rear with rebound damping adjuster and a hand adjuster for the spring preload. At the front, it comes with the WP USD fork with 200mm of travel. The motorcycle also comes with a 20-litre fuel tank, a low fender, accessible seat height, and the company’s MY RIDE navigation. Furthermore, it comes with a full-size TFT dashboard, adventure spec tyres, cornering ABS, Motor Slip Regulation, Traction Control, and two-step adjustable seat. Customers can also choose from accessories such as quick-shifter, cruise control, heated grips and seats.

Booking for KTM 250 Adventure Now Open

– October 19, 2020

KTM 250 Adventure is yet to be launched in the country yet its dealers are accepting booking for the bike famous for off-roading. It has a single-cylinder, liquid-cooled, 248cc engine. The bike can be booked for a minimum amount of Rs. 1000 that is refundable. The expected price for the 250 Adventure is speculated to be Rs. 50000 less than KTM 390 Adventure. KTM 250 Adventure comes with a six-speed gearbox, the engine is capable of producing 30 hp and 25 Nm of torque. In the front, a halogen unit similar to 250 Duke is located. Technology-wise, the bike gets a Bluetooth-enabled TFT console. Its suspensions are USD forks in the front and mono-shock at the back. The bike has disc breaks of 320mm in the front and 230mm at the back. KTM 250 Adventure is expected to retail at Rs. 2.5 lakh in India.

KTM Unveils 2021 KTM 890 Adventure R and 890 Adventure Rally R

– October 09, 2020

Austrian bike manufacturer, KTM, has taken the wraps off the 2021 KTM 890 Adventure R and the 890 Adventure Rally R. The new bikes’ biggest update comes in the form of the revised engine specifications. The adventure bikes from KTM draw power from an 889cc engine that is able to extract a maximum power of 105hp and 100Nm of peak torque. The engine also gets a heavier crankshaft compared to the KTM 790 Duke to increase the stability at lower RPMs. The frame is now made of the aluminium steering head and the sub-chassis is lighter compared to the previous model. The company has tweaked the suspension settings and the brakes have been reworked as well. The seat height continues to be at 880mm and the suspension travel remains at 240mm. The bikes also get reinforced clutch and the traction control and ABS have been refined. The Rally Mode and the quick-shifter are now optional and do not come as a standard fitment. KTM will produce only 7000 units of the 2021 890 Adventure R Rally. This edition comes with additional features such as flat rally-style seat, anodised wheel rims with tubed tyres, Akrapovic exhaust, wider footpegs, new graphics, among others. The KTM 890 Adventure competes with the likes of the Triumph Tiger 900.

KTM Rolls Out Updates For The 390 Duke And RC 390 In India

– October 05, 2020

Austrian two-wheeler manufacturer KTM has silently rolled out updates for the popular Duke 390 and RC 390 motorcycles. Yes, KTM is now offering MRF tyres with both the models as compared to the previously offered premium Metzeler tyres. KTM has made these changes to balance out the increasing input costs, and as a result, the company has avoided a price hike on both the motorcycles. The move might be a good one, but the buyers will no longer get the premium Metzeler tyres which offer superior grip when compared to the MRF tyres. The prices of both the Duke 390 and RC 390 remain the same. Apart from the tyre swap, the KTM RC 390 also gets a new colour scheme with updated graphics which now features grey colour on the fairing and tank. The new colour combination looks brilliant, and it will surely improve the sales of the motorcycle. Both the models draw power from the same 373cc internal combustion engine that produces a maximum power of 43.3Bhp and 37Nm of peak torque. Power is transmitted to the rear wheel via a 6-speed gearbox assisted by a slipper clutch.

KTM Introduces A New Colour Option For The RC 200

– September 28, 2020

The Indian arm of the Austrian two-wheeler manufacturer KTM India has introduced an update for the fully-faired RC 200 motorcycle. Yes, the KTM RC 200 gets a new colour scheme which features black alloy wheels and orange colour treatment for the frame. The fairing also features a black colour, and the motorcycle also gets white and silver accents for the graphics. The new combination of colours and revamped graphic colours make the motorcycle look even sporty. The addition of black gives it a stealth look. KTM has introduced a cosmetic update, and the rest of the motorcycle remains the same. The RC200 draws power from the same 199cc internal combustion engine that produces 25.4bhp of maximum power and 19.5Nm of peak torque. The power is transmitted to the rear wheel via a 6-speed gearbox. Other notable features of the failed motorcycle are upside-down front forks, digital display for the instrument console, rearview mirrors with integrated turn indicators and much more. The RC200 is an excellent sport motorcycle for those who are upgrading from a 150cc motorcycle. It is light and handles exceptionally well and will be suitable for urban conditions. KTM has been a popular brand in the country, and the addition of another colour will further boost the sales of the motorcycle.

CFMoto Reveals 1250TR-G Tourer Powered by KTM Engine

– September 22, 2020

CFMoto has unveiled its new tourer motorcycle, the CFMoto 1250TR-G. The motorcycle draws power from a KTM LC8 twin-cylinder engine. The bike was revealed at the ongoing CIMA show. The CFMoto TR-G comes with features such as Brembo-sourced callipers, WP suspension, twin disc brakes at the front and a single disc at the rear. The CFMoto 1250TR-G comes equipped with inverted telescopic suspension at the front and a mono-shock at the rear. Among the notable features are the full-colour instrument console and JBL speakers. The console offers an array of information such as suspension settings, riding modes, Bluetooth connectivity and tyre pressure. Apart from these, the tourer also comes equipped with heated seats and grips, and an electrically adjustable windscreen. The motorcycle comes with LED lightings, a top-box mounted pillion backrest and a tall windscreen. The tourer draws power from the KTM’s 1279cc twin-cylinder unit that is able to produce a maximum power of 140bhp and a peak torque of 89lb-ft. The tourer competes with the likes of Benelli 1200GT and the BMW R 1250 RT. It is unclear if the company will launch the bike in the Indian market for now.

KTM Partially Reveals 2021 KTM RC 390

– September 7, 2020

Austrian bike manufacturer, KTM, has partially revealed the 2021 KTM RC 390 through its website. The new model will replace the current first-generation KTM RC 390. Under the company’s RC series, the RC 390 is the only model after the RC8 supersport was discontinued some years ago. Based on the partial reveal, the new RC 390 comes with a new livery of orange and blue shades. While the front remains more or less the same, the rear has been reworked so is the rear subframe. The current KTM RC 390 model derives power from a 373.3cc single-cylinder engine which is able to produce a maximum power of 44hp and a peak torque of 35Nm. The engine comes paired with a 5-speed gearbox. The bike features a USD telescopic suspension at the front and a mono-shock at the rear. As for the brakes, the bike comes equipped with a 320mm disc at the front and 230mm at the rear along with ABS. The motorcycle weighs 149kgs and comes with a 10-litre fuel tank. Additionally, the sportbike from KTM features a fully digital instrument console and integrated blinkers to the rearview mirrors. In the Indian market, the RC 390 competes with the likes of Kawasaki Ninja 300, TVS Apache RR 310 and the Yamaha R3.

Bajaj Auto Launches BS6 Complaint KTM Duke 250 in India

– August 10, 2020

Bajaj Auto has launched the BS6 complaint KTM Duke 250 in India with several new cosmetic updates to the naked sports bike. The changes include split LED headlight and Daytime Running Lights (DRL) seen on its elder sibling. The naked sports bike is available in two paint schemes: Silver Metallic and Dark Galvano to buyers in India. The new 2020 KTM Duke 250 is priced at Rs. 2.09 lakh ex-showroom (Delhi). The instrument console continues to be an LCD unit with the bike missing out on the TFT screen found in the bike’s larger siblings such as the KTM Duke 390 and the 390 Adventure. The bike gets ‘Supermoto’ mode that disengages the dual-channel ABS. The bike also features a one-touch engine start system that does not require the rider to long-press the start button to start the engine. The bike is powered by a single-cylinder 248.8cc engine that is competent enough to produce a maximum power of 30hp and peak torque of 24Nm paired to a 5-speed gearbox. On the suspension front, the BS6 KTM Duke 250 gets a USD fork at the front and a mono-shock at the rear. While the bike continues to be the most powerful 250cc bike in its segment, the bike competes with the likes of the newly launched Bajaj Dominar 250, Suzuki Gixxer 250, Yamaha FZS 250 and the Husquarna twins in the Indian market.

Bajaj Auto Launches Upgraded Duke 250 in India

– August 6, 2020

Bajaj Auto has launched the upgraded version of the KTM Duke 250 in India. The naked sportbike is priced at Rs. 2.09 lakh ex-showroom (Delhi). In a statement, the company said that the new KTM Duke 250 comes with an advanced ‘Supermoto’ mode and the rear brake pressure depends purely on the rider’s right foot, which enables the rider to test riding skills. Also, the engine is now updated to BS6 norms. Other updates include LED headlights with LED DRLs, dual-channel ABS, two new paint schemes which are Silver Metallic and Dark Galvano. The body graphics are slightly tweaked, making the bike a lot more aggressive in its look. The motorcycle derives power from a 248cc single-cylinder engine that is competent enough to churn out 29.6bhp and a peak torque of 24Nm and comes paired with a 6-speed gearbox. Other features remain identical to the BS4 model, which includes USD forks at the front and mono-shock at the rear. The KTM Duke 250 competes with the likes of Yamaha FZ 25, Suzuki Gixxer 250 and Bajaj Dominar 250 in the Indian market.