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Okinawa Bike Insurance

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Okinawa Bike Insurance

Okinawa Bike Insurance

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Okinawa is an Indian electric two-wheeler manufacturer, and the company was established in 2015. Okinawa retails three high-speed electric bikes and two low-speed electric two-wheelers in the Indian market. The Okinawa electric bikes produce zero-emission, and the cost of ownership is also less when compared to conventional two-wheelers. This article will provide you with all the details about Okinawa Bike Insurance.

Importance of buying Two-Wheeler Insurance for Okinawa Bikes:

Riding a two-wheeler without valid bike insurance is illegal in India. As per the Motor Vehicles Act, purchasing third-party two-wheeler insurance is mandatory while comprehensive bike insurance is optional. But do note that third-party bike insurance provides limited coverage as it does not offer an Own Damage cover. Below are the benefits of buying two-wheeler insurance for Okinawa bikes:

  • Coverage Against Own Damage: A comprehensive two-wheeler insurance policy provides coverage against damage to your Okinawa bike. The insurance plan covers accidental damage or damage to the two-wheeler due to natural/man-made disasters. In addition to own vehicle damage cover, the comprehensive insurance also covers injury/accidental death of the owner/rider.

  • Coverage Against Third-Party Damage: A comprehensive/third-party two-wheeler insurance provides coverage against damage to third-party property. The bike insurance plan also covers injury/accidental death of the third-party.

  • Coverage Against Loss/Theft: A comprehensive insurance policy for Okinawa bikes provides coverage against loss/theft of the insured two-wheeler. The insurance company will pay you the IDV (Insured Declared Value) of the two-wheeler if your Okinawa bike is stolen or damaged beyond repair.

  • Add-On Coverage: A comprehensive bike insurance policy allows you to purchase add-ons which enhances the coverage benefits. You can buy add-ons such as Invoice Cover, Roadside Assistance Cover, Passenger/Co-Rider Cover, No Claim Bonus Cover, etc.

What’s Covered in Okinawa Bike Insurance (Inclusions):

Okinawa two-wheeler insurance will provide coverage against the following:

  • Loss/Damage to the bike due to fire or explosion.

  • Loss/Damage to the bike due to an accident.

  • Loss/Damage to third-party property or life.

  • Loss/Damage to the bike due to natural disasters such as floods, storms, earthquakes, etc.

  • Loss/Damage to the bike due to man-made disasters such as riots, terrorism, etc.

  • Injury/Accidental death of the rider/owner.

  • Loss/Theft of the insured bike.

*Note: Only Comprehensive Bike Insurance provides Own Damage Cover.

Exclusions of Okinawa Bike Insurance:

Below are the exclusions of Okinawa bike insurance:

  • Reckless riding/Improper handling.

  • Repair/Replacement of wear and tear parts.

  • Riding the bike without a valid driving licence.

  • Riding the bike under the influence of alcohol/intoxicating substances.

  • Breakdown of the bike due to electrical failure.

  • Depreciation* value.

*Note: Depreciation value is covered under the Zero Depreciation add-on cover.

Benefits of Buying Acko Two-Wheeler Insurance Policy for your Okinawa Bike:

Below are the benefits of buying Acko two-wheeler insurance for your Okinawa bike:

Digital Process

At Acko General Insurance, you can buy Okinawa two wheeler insurance online without any paperwork. You can also register claims online with minimal documentation. Simple process and documentation will save you a lot of time.

Hassle-Free Claim Settlements

Registering a claim at Acko is a simple process as it can be done online. Upon verification and assessment of the damage, the claim will be settled. For minor damages, Acko offers instant claim settlement.

Expert Advice

You will get unbiased advice on bike insurance plans from the team of experts at Acko. The customer support team will assist you in buying the right insurance policy for your Okinawa bike.

Best Insurance Plans

Acko suggests the optimum IDV (Insured Declared Value) for your Okinawa bike and provides the best insurance plans for your two-wheeler. You can compare the available insurance plans and add-ons before making the final decision.

Insurance plans for Okinawa Bike:

There are mainly two types of insurance plans for Okinawa bikes: Third-Party and Comprehensive bike insurance. Below are the coverage details of both the insurance plans:

Third-Party Bike Insurance

As per the Motor Vehicles Act, it is mandatory to buy third-party bike insurance. However, third party two wheeler insurance provides limited coverage. A third-party insurance plan covers damage to third-party property or life, and it does not provide an Own Damage cover.

Comprehensive Bike Insurance

In addition to third-party liability cover, comprehensive bike insurance provides Own Damage cover. The insurance plan covers damage to your bike and injury/accidental death of the rider. Apart from that, a comprehensive two-wheeler insurance plan also allows you to buy add-on covers to expand the scope of coverage.

Add-ons for Okinawa Bike Insurance:

A comprehensive bike insurance policy will allow you to purchase add-ons for your Okinawa bike. Below are the available add-ons for Okinawa bike insurance:

  • Zero Depreciation cover

  • No Claim Bonus cover

  • Return to Invoice cover

  • Consumables cover

  • Roadside Assistance cover

  • Loss/Theft of keys cover

Claim Procedure:

Follow the below steps to apply for a bike insurance claim at Acko General Insurance:

  1. Download the Acko smartphone app or visit the website www.acko.com.

  2. Select the ‘Bike Insurance’ option from the Products drop-down menu.

  3. Select ‘Two-wheeler/Bike Claims’ option from the Claims drop-down menu.

  4. Next, log in to your account and enter basic details such as insurance policy number, bike registration number, etc.

  5. State the nature of the damage and upload the pictures of the damaged bike.

  6. Upon assessment of the damage, Acko will transfer the settlement amount to your account.

  7. Major repair work or parts replacement can be done via Acko’s network of cashless garages.

  8. Minor damages will be repaired at your location.

Frequently Asked Questions:

The technical terminologies of two-wheeler insurance can be confusing at times. To make things easier, below are some of the most common queries related to Okinawa bike insurance:

Frequently Asked Questions:

1) Do electric two-wheelers need to have a two-wheeler insurance policy?

Yes, electric two-wheelers do need a two-wheeler insurance policy similar to conventional vehicles. The Motor Vehicles Act is also applicable to electric two-wheelers.

2) From where can I buy a two-wheeler insurance policy for my Okinawa bike?

You can buy two-wheeler insurance online or offline. But it's better to opt for online bike insurance as it will save you a lot of time and money. You can compare different insurance plans online before making the final choice.

3) Can I renew two-wheeler insurance online? How much time does it take?

Yes, you can renew two-wheeler insurance online, and it will take only a few minutes as the documentation is simple.

4) Are there any penalty charges if I renew my two-wheeler insurance after it expires?

There will be no penalty charges if you renew the bike insurance within the grace period provided by the insurer, post grace period you have to pay the required penalties to renew the two-wheeler insurance.

5) What are the required documents to renew my Okinawa bike insurance?

The following documents are required to renew Okinawa bike insurance:

  • Vehicle registration certificate

  • The previous insurance policy certificate

  • Identity proof

6) What is NCB (No Claim Bonus) in Okinawa bike insurance?

NCB is nothing but the discount provided by the insurance company for not making any claims during the tenure of the previous bike insurance policy.

7) Is buying add-ons compulsory for Okinawa bike insurance?

No, buying add-ons is not mandatory for Okinawa bike insurance. But you can consider buying add-ons to enhance the scope of coverage of the comprehensive bike insurance policy.

8) Can I buy add-ons for a third-party bike insurance policy?

No, you cannot buy add-ons for third-party bike insurance. Only comprehensive bike insurance allows you to purchase add-on covers.

9) How much will it cost to insure my Okinawa bike?

The cost of Okinawa bike insurance depends on the value and condition of the two-wheeler. The higher the value of the two-wheeler, the higher the cost of the insurance policy.

10) How can I reduce the cost of Okinawa bike insurance?

You can reduce the cost of Okinawa bike insurance by installing anti-theft/security device on the two-wheeler as it reduces the risk of vehicle theft. You can also avoid buying unnecessary add-ons to reduce the insurance premium. Lastly, you can opt for third-party bike insurance to reduce the cost of two-wheeler insurance.

About Two-Wheeler Insurance for Okinawa Bike:

Okinawa is an electric two-wheeler brand which manufactures eco-friendly scooters. Okinawa retails five electric two-wheelers in India, and out of those three are high-speed scooters, and two are low-speed scooters. All Okinawa two-wheelers make use of a lithium-ion battery pack which powers the electric motor. Two-wheeler insurance for Okinawa bikes is crucial as the electric two-wheelers are equipped with a complex electrical system.

Even minor damages to the electric powertrain will cost you dearly as the spare parts are expensive when compared to a conventional vehicle. Comprehensive two-wheeler insurance for Okinawa bikes will cover damages to your electric scooter. It might be accidental damage or damage due to natural or man-made disasters. Apart from that, the comprehensive bike insurance also covers injury/accidental death of the rider/owner.

Comprehensive bike insurance also provides coverage against theft/loss of the two-wheeler. Yes, in case your Okinawa bike is stolen or damaged beyond repair then the insurance company will pay you the IDV (Insured Declared Value) of the two-wheeler. You can enhance the coverage benefits of comprehensive bike insurance by purchasing add-ons such as Roadside Assistance Cover, No Claim Bonus Cover, Passenger/Co-Rider Cover, etc.

Another important aspect of two-wheeler insurance for Okinawa bikes is third-party liability coverage. A third-party/comprehensive bike insurance policy covers damage to third-party property. The insurance plan also covers injury or accidental death of the third-party. Buying two-wheeler insurance for Okinawa bikes will give you financial security and peace of mind.

Why should you buy a Okinawa Bike?

Okinawa is an Indian electric two-wheeler company which produces electric scooters. Okinawa Two-wheelers in India retails three high-speed electric scooters and two low-speed eco-friendly scooters. Gone are the days when electric two-wheelers looked like aliens on the road. Okinawa electric scooters are stylish in terms of design and come loaded with modern features.

Okinawa electric scooters are aerodynamically designed and feature stylish body graphics, large foot space and stylish headlamp and tail lamp. On the performance front, Okinawa electric two-wheelers are capable of delivering high initial pick up. The high-speed scooters can reach a top speed of up to 58km/h while the low-speed electric scooters are capable of hitting a top speed of up to 25km/h.

Okinawa electric scooters are loaded with features such as LED headlight, taillight and turn indicators, USB charger, stylish alloy wheels and disc brakes. Another prominent highlight of Okinawa bikes is the detachable battery pack. Yes, you can detach the lithium-ion battery and can charge at your convenience. The electric two-wheelers also come with a smartphone app. The Okinawa Eco app lets you track various data such as remaining charge, vehicle location, rider score, trip history, maintenance alerts, etc.

Okinawa offers three years of warranty on the battery pack and 3 years/30,000km (whichever occurs first) warranty on the electric motor. Okinawa also provides roadside assistance to the customers. Overall, the Okinawa electric bikes are stylish, loaded with features and deliver optimum performance. Okinawa electric scooters are ideal for daily commutes.

Highlights of Okinawa Bikes:

  • Stylish and aerodynamic design.

  • Detachable lithium-ion battery pack.

  • All LED lighting, including sleek LED turn indicators.

  • USB mobile charging port.

  • Large foot space and body-coloured mat.

  • Smartphone app connectivity.

  • 3 years of warranty on the battery pack.

  • 3years/30,000km warranty on the electric motor.

  • Low maintenance and ownership cost.

Okinawa Models with Specifications, Variants and Ex-Showroom Price:

Refer to the following tables for Okinawa models and specifications:

Okinawa i-Praise+ Specifications:

The i-Praise+ is the flagship offering from Okinawa. It features a stylish and aerodynamic design and all-LED lighting. The electric scooter gets a powerful electric motor and delivers an impressive riding range of 139km on a full charge. Other features of the electric two-wheeler include disc brakes, USB phone charger and digital instrument console. Below are the detailed specifications of the Okinawa i-Praise+:

Electric Motor 1,000 Watt BLDC Motor
Power 2,500 Watt
Battery 3.3 kWh Lithium-ion Battery (Detachable)
Top-Speed 58km/h
Riding Range 139km/Full Charge
Charging Time 4-5 Hours (Approximate)
Braking Disc (Front/Rear)
Charger Micro-Charger With Auto Cut Function
Seat Height 800mm

Okinawa PraisePro Specifications:

The Okinawa ParisePro is a downgraded version of the i-Praise+ electric scooter. The PraisePro gets a smaller battery, and the riding range is also slightly lesser when compared to i-Praise+. The PaisePro features a stylish design and LED headlight and comes with features such as keyless entry, USB mobile charger and adjustable brake lever. Below are the detailed specifications of the Okinawa PraisePro:

Electric Motor 1,000 Watt BLDC Motor
Power 2,500 Watt
Battery 2 kWh Lithium-ion Battery (Detachable)
Top-Speed 58km/h
Riding Range 88km/Full Charge (Sports Mode)
Charging Time 2-3 Hours (Approximate)
Braking Disc (Front/Rear)
Charger Micro-Charger With Auto Cut Function
Seat Height 800mm

Okinawa Ridge+ Specifications:

The Okinawa Ridge+ is an affordable high-speed electric scooter with a smaller battery pack. The Ridge+ gets a waterproof motor which is ideal for Indian monsoon conditions. The top-speed of the Ridge+ is reduced when compared to the Praise variants. Apart from that, the electric scooter gets a host of features such as a detachable battery pack, sporty headlamp, etc. Below are the detailed specifications of the Okinawa Ridge+:

Electric Motor 800 Watt Waterproof BLDC Motor
Power 1,700 Watt
Battery 1.74 kWh Lithium-ion Battery (Detachable)
Top-Speed 45km/h
Riding Range 84km/Full Charge
Charging Time 2-3 Hours (Approximate)
Braking Drum Brakes (Front/Rear)
Charger Micro-Charger With Auto Cut Function
Seat Height 735mm

Okinawa Lite Specifications:

The Okinawa Lite is a slow-speed electric scooter which comes with a smaller motor and battery pack. Despite being a slow-speed scooter, the Lite is loaded with features such as ignition start/stop button, projector headlight, LED daytime running light, disc brake at the front, USB port for mobile charging, digital instrument console and a detachable battery pack. Below are the detailed specifications of Okinawa Lite:

Electric Motor 250 Watt BLDC Motor
Power 250 Watt
Battery 1.25 kWh Lithium-ion Battery (Detachable)
Top-Speed 25km/h
Riding Range 60km/Full Charge
Charging Time 4-5 Hours (Approximate)
Braking Disc (Front)/Drum(Rear)
Charger Micro-Charger With Auto Cut Function
Seat Height 740mm

Okinawa R30 Specifications:

The R30 is the most affordable electric scooter from Okinawa as it comes with only bare-bone features. The R30 is a slow-speed electric two-wheeler, and the battery and motor are considerably smaller when compared to other Okinawa models. The R30 also gets the detachable battery pack. The R30 misses out on disc brakes and gets only drum brakes. Below are the detailed specifications of the Okinawa R30:

Electric Motor 250 Watt BLDC Motor
Power 250 Watt
Battery 1.34 kWh Lithium-ion Battery (Detachable)
Top-Speed 25km/h
Riding Range 60km/Full Charge
Charging Time 4-5 Hours (Approximate)
Braking Drum Brakes (Front/Rear)
Charger Micro-Charger With Auto Cut Function
Seat Height 735mm

Below are the Okinawa bike variants and Okinawa bike price (ex-showroom):

*All prices are ex-showroom as of October 2020.

Model Variant Price
Okinawa Praise i-Praise+ Rs. 1.08 Lakh
Okinawa Praise PraisePro Rs. 79,277
Ridge+ Standard Rs. 73,417
Lite Slow-Speed Rs. 63,990
R30 Slow-Speed Rs. 58992

Two-Wheeler Insurance for Okinawa Bike Models/Variants:

  • Okinawa i-Praise+ Bike Insurance

  • Okinawa PaisePro Bike Insurance

  • Okinawa Ridge+ Bike Insurance

  • Okinawa Lite Bike Insurance

  • Okinawa R30 Bike Insurance

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.