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The Bajaj Avenger is one of India's most popular cruiser motorcycles, offering a comfortable riding position, relaxed ergonomics, and a distinctive low-slung design. Whether you own the Bajaj Avenger Street 160 for daily commuting or the Bajaj Avenger Cruise 220 for long-distance touring, having the right bike insurance policy is essential for protecting your motorcycle against accidents, theft, natural calamities, and third-party liabilities.
Bajaj Avenger bike insurance helps riders manage unexpected repair expenses while ensuring compliance with mandatory motor insurance regulations. Depending on your requirements, you can choose the right two wheeler insurance for wider financial security.
The Bajaj Avenger lineup currently consists of two variants designed for different riding styles. The Bajaj Avenger Street 160 is the entry-level cruiser in the range and is powered by a 160cc air-cooled, twin-spark DTS-i fuel-injected engine producing 15 PS of power and 13.7 Nm of torque. It delivers an approximate mileage of 40 - 47 kmpl and is aimed at riders looking for a comfortable motorcycle for city commuting and occasional highway rides.
The Bajaj Avenger Cruise 220 is built for touring enthusiasts and features a larger 220cc air/oil-cooled fuel-injected engine producing 19.03 PS of power and 17.55 Nm of torque. It comes equipped with a tall windscreen, chrome styling, cushioned pillion backrest, and relaxed ergonomics that make long-distance journeys more comfortable.
Both motorcycles feature a low seat height of 737 mm, semi-digital instrument console, front disc brake with single-channel ABS, and the signature cruiser riding posture that has made the Avenger series popular among Indian riders.
Generally, Bajaj Avenger insurance price for third-party coverage is lower than comprehensive plans. However, most riders prefer Bajaj Avenger comprehensive insurance because it offers protection against both third-party liabilities and damages to their own motorcycle. Using a Bajaj Avenger insurance premium calculator can help estimate policy costs based on your bike details and coverage requirements.
| Bajaj Avenger Variants | IDV [1st Year] | Zero Depreciation | Net Premium [5 Years] |
| Avenger 150 Street | ₹62,368 | ₹281 | ₹6,272 |
| Avenger Street 160 | ₹1,04,343 | ₹187 | ₹10,871 |
| Avenger 180 STD | ₹65,702 | ₹118 | ₹10,544 |
| Avenger 220 Street | ₹84,122 | ₹151 | ₹10,700 |
Note: The Bajaj Avenger insurance premium depends on several factors, including variant selected, registration city (RTO), bike age, Insured Declared Value (IDV), claim history, policy type, and add-ons selected.
Bajaj Avenger riders can choose from three main types of two wheeler insurance policies depending on their coverage requirements. Third-party insurance provides protection against legal and financial liabilities caused to another person, vehicle, or property and is mandatory under Indian law. Comprehensive insurance offers wider coverage by protecting against third-party liabilities as well as accidental damage, theft, fire, floods, and natural calamities affecting your motorcycle. Riders who already have an active third-party policy can also opt for standalone own-damage insurance to cover repair expenses arising from insured damages to their Bajaj Avenger.
Buying or renewing Bajaj Avenger insurance online is a quick process when the required details are readily available.
Keep documents such as the Registration Certificate (RC), driving licence, previous insurance policy (for renewals), and basic KYC documents ready.
Provide the bike registration number or select the Bajaj Avenger variant manually along with the manufacturing year.
Review different policies based on premium amount, IDV, coverage benefits, add-ons, claim support, and insurer reputation.
Choose between third-party insurance or comprehensive insurance based on your protection requirements and riding habits.
Once the policy is selected, make the payment securely through the available online payment options.
After successful payment, the policy is issued electronically and can be downloaded instantly for future reference.
If your Bajaj Avenger suffers accidental damage, theft, or any insured loss, the claim process generally involves the following steps.
Report the incident to the insurer as soon as possible and provide basic information about the loss or damage.
Submit policy details, photographs of the damage (if applicable), and other information requested by the insurer.
The insurer may arrange a physical inspection or video survey to assess the extent of damage.
For cashless claims, repairs are carried out at an authorised network garage. For reimbursement claims, repairs can be completed at a preferred workshop and reimbursement is processed later.
Documents such as RC copy, driving licence, policy copy, repair estimate, and FIR (for theft or major accidents) may be required.
Once verification is completed, the insurer settles the claim according to the policy terms and approved coverage.
A comprehensive Bajaj Avenger insurance policy generally covers:
Accidental damage to the insured motorcycle
Theft or total loss
Fire and explosion
Floods, storms, and other natural calamities
Riots and vandalism
Third-party liabilities
Personal accident cover for the owner-rider
The exact coverage may vary depending on the insurer and policy selected.
Certain situations are generally excluded from Bajaj Avenger insurance coverage, including:
Normal wear and tear
Mechanical or electrical breakdowns
Riding under the influence of alcohol or drugs
Illegal racing or stunt riding
Riding without a valid driving licence
Consequential damages
Damages occurring outside policy terms and conditions
| Zero Depreciation Cover | No Claim Bonus Cover | Roadside Assistance Cover |
| Return to Invoice Cover | Consumables Cover | Engine Protection Cover |
| Passenger Assistance Cover | Personal Accident Cover |
Disclaimer:*Premiums starting from ₹457 are indicative for third-party bike insurance for select models and may vary based on vehicle specifications, location, and insurer.
Bajaj Avenger comprehensive insurance is generally considered the better option because it provides wider protection against accidental damage, theft, natural calamities, and third-party liabilities.
Yes. Riders can buy Bajaj Avenger insurance online by comparing plans, premiums, and coverage options from multiple insurers.
A Bajaj Avenger insurance premium calculator generally considers factors such as bike age, IDV, registration city, claim history, policy type, and add-ons selected.
IDV (Insured Declared Value) represents the approximate market value of the motorcycle after depreciation and determines the maximum compensation amount in case of total loss or theft.
Useful Bajaj Avenger insurance add-ons include Zero Depreciation Cover, Roadside Assistance, Engine Protection Cover, Return to Invoice Cover, and NCB Protection Cover.
Yes. Roadside assistance is particularly useful for cruiser bike insurance because motorcycles like the Avenger are frequently used for highway rides and long-distance touring.
Yes. Comprehensive insurance policies generally cover theft and total loss subject to policy terms and conditions.
Yes. Comprehensive insurance usually covers damages caused by floods and other natural calamities.
Commonly required documents include the RC, previous insurance policy, driving licence, and KYC documents if applicable.
The Bajaj Avenger Cruise 220 is generally considered better for touring because it offers a larger engine, tall windscreen, cushioned backrest, and touring-focused ergonomics.
Yes. Eligible No Claim Bonus benefits can usually be transferred during Bajaj Avenger insurance renewal, subject to insurer guidelines.
