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The Bajaj Dominar 400 is a sports-touring motorcycle designed for both everyday riding and long-distance journeys. The current Dominar 400 is powered by a 349.13cc liquid-cooled engine that produces 40.6 PS of maximum power and 33.2 Nm of peak torque. It gets a 6-speed gearbox, 13-litre fuel tank and 190 kg kerb weight. Bajaj Auto lists its current ex-showroom Bangalore price at ₹2,08,270.
Having a valid bike insurance policy is important for Dominar 400 owners. Third-party bike insurance is mandatory for motorcycles used on public roads in India, while comprehensive insurance can provide protection for the motorcycle itself against eligible risks such as accidents, theft, fire and specified natural or man-made events.
The bike insurance price for a Bajaj Dominar 400 varies depending on the policy type, vehicle age, IDV, registration location, claim history, insurer and selected add-ons. Third-party premium rates are regulated, while own-damage premiums are determined by individual insurers based on their filed rating factors.
| Model | Lowest IDV | Basic OD Premium [1 Year] | Basic TP Premium [5 Years] | Net Premium [5 Years] |
|---|---|---|---|---|
| Dominar 400 STD | ₹ 1,17,753 | ₹ 3,837.00 | ₹ 15,117.00 | ₹ 20,494.24 |
| Dominar 400 ABS | ₹ 1,29,937 | ₹ 2,650.00 | ₹ 15,117.00 | ₹ 20,074.16 |
| Dominar 400 Disc | ₹ 1,17,753 | ₹ 2,527.00 | ₹ 15,117.00 | ₹ 20,030.50 |
| Dominar 400 ABD UG | ₹ 1,29,937 | ₹ 3,812.00 | ₹ 15,117.00 | ₹ 20,485.98 |
| Dominar 400 Touring | ₹ 1,17,753 | ₹ 3,897.00 | ₹ 15,117.00 | ₹ 20,515.48 |
For a higher-capacity motorcycle such as the Dominar 400, comparing comprehensive policies can help you understand the difference between third-party-only pricing and the cost of protecting the motorcycle against own-damage risks.
When comparing quotes, check more than the premium. IRDAI recommends comparing factors such as coverage, deductibles and IDV, as a lower premium may come with a lower IDV or higher deductible.
You can generally choose between third-party and comprehensive insurance for your Dominar 400.
Mandatory cover that protects against covered third-party liabilities. It does not cover damage to the Dominar 400 itself.
Combines third-party liability with own-damage protection for risks such as accidents, theft, fire, natural calamities and specified man-made events, subject to the policy terms.
This covers damage to your own Dominar 400 from eligible insured events, but does not provide third-party liability cover. It is generally relevant when the owner already has a separate third-party policy, such as when the third-party component is under a long-term policy.
The exact coverage depends on the policy and insurer. A comprehensive bike policy can generally provide protection for:
Third-party legal liability
Accidental damage to the motorcycle
Theft of the motorcycle
Fire and explosion
Specified natural calamities such as floods and earthquakes
Specified man-made events
Other risks listed in the policy document
Some situations are generally excluded, including normal wear and tear, mechanical breakdown unrelated to an insured event, riding without a valid licence and damage arising from excluded or unlawful use.
The final claim amount can also be affected by deductibles, depreciation, policy limits and exclusions.
Add-ons provide additional protection beyond the standard policy coverage and are available depending on the insurer and policy. Common options include:
Zero Depreciation Cover: Reduces depreciation deductions on eligible parts during an approved claim.
Roadside Assistance: Provides emergency help such as towing, flat-tyre assistance, battery jump-start and fuel delivery.
Engine Protection: Covers specified engine damage, such as losses caused by water ingression or oil leakage, subject to policy terms.
Return to Invoice: Covers the difference between the applicable IDV and the original invoice value in eligible theft or total-loss cases.
Consumables Cover: Covers eligible consumables such as engine oil, coolant, brake oil, grease, nuts and bolts used during covered repairs.
No Claim Bonus (NCB) Protection: Helps preserve the accumulated NCB after an eligible claim, subject to the add-on conditions.
Tyre Protection: Covers eligible repair or replacement costs for tyres or tubes damaged due to covered accidental events.
Key & Lock Replacement: Covers eligible expenses for replacing lost, stolen or damaged keys and locks.
Conveyance Benefit: Provides a specified allowance for alternative transport while the Dominar 400 is undergoing covered repairs.
Vehicle Replacement Advantage: Provides additional protection in eligible theft or total-loss situations, subject to the insurer's terms.
Note: Add-on availability, eligibility, limits and exclusions vary between insurers. These covers are generally available with comprehensive or standalone own-damage policies and are purchased for an additional premium.
You can buy or renew Dominar 400 insurance online by following these steps:
Enter the registration number: Provide your motorcycle's registration number or requested vehicle details.
Verify the vehicle: Check the displayed make, model, variant and registration information against your RC.
Enter previous policy details: Provide existing insurance information if you are renewing.
Compare quotes: Compare premiums, IDV, coverage, deductibles and available add-ons.
Choose the policy: Select the coverage that matches your requirements.
Select add-ons: Add optional covers where required and available.
Enter owner details: Provide the required personal, communication and KYC information.
Review the details: Check the policy information, premium, coverage and exclusions.
Make the payment: Pay the applicable premium online.
Receive the policy: The policy document is issued after successful payment and any required verification.
If the existing policy has expired, the insurer may require inspection before providing own-damage coverage. IRDAI notes that a break in insurance can result in a vehicle inspection and additional charges.
Renew your Dominar 400 insurance before the existing policy expires to maintain continuous coverage. At renewal, you can compare policies from different insurers instead of automatically continuing with the same insurer.
Before renewing, check:
IDV
Own-damage coverage
Third-party coverage
No Claim Bonus (NCB)
Deductibles
Available add-ons
Policy exclusions
Premium
NCB is generally linked to the insured rather than the vehicle and can be carried forward when changing insurers, subject to the applicable requirements. IRDAI states that NCB can progressively increase up to 50% for successive claim-free years under the applicable norms.
For a new two-wheeler, the third-party portion of a bundled policy is generally valid for five years, while the own-damage section is valid for one year and needs renewal separately.
If your Dominar 400 is damaged in an insured event, inform the insurer and follow its claim procedure. For a cashless claim, the process generally involves:
Register the claim: Inform the insurer about the incident.
Complete inspection: Allow the insurer or surveyor to inspect the motorcycle where required.
Visit a network garage: Take the motorcycle to an eligible network garage.
Submit documents: Provide the policy and vehicle documents requested.
Wait for approval: The insurer assesses the damage and approves eligible repairs.
Get the motorcycle repaired: The garage carries out the approved work.
Pay your applicable share: Pay deductibles, depreciation and other non-covered expenses, where applicable.
Claim settlement: The insurer settles the approved amount with the garage according to the policy terms.
For reimbursement claims, you may need to pay the repair bill first and submit the required repair estimates, invoices and payment receipts for assessment.
Commonly requested documents may include:
Insurance policy details
Registration Certificate (RC)
Valid driving licence
Claim form, where required
Repair estimate
Original repair bills and receipts
Photographs, if requested
FIR or police documents for theft or legally required cases
Any additional documents requested by the insurer
Inform the insurer before carrying out major repairs if the policy requires prior inspection or approval.
Yes. Third-party liability insurance is mandatory for motorcycles used on public roads in India. Comprehensive insurance is optional but provides additional protection for the motorcycle itself.
Indicative comprehensive insurance estimates can be around ₹15,900 to ₹16,150 annually for some standard/BS6 variants. The actual premium depends on factors such as IDV, location, vehicle age, insurer, claim history and selected add-ons.
A comprehensive or package policy can cover theft, subject to the policy terms and conditions. A third-party-only policy does not cover theft of your own motorcycle.
No. Zero depreciation primarily reduces applicable depreciation deductions on eligible parts during an approved claim. Deductibles, exclusions, policy conditions and other non-covered expenses can still apply.
Yes. You can compare policies from different insurers when your policy is due for renewal. Your eligible NCB can also be carried forward when changing insurers, subject to the required proof and applicable conditions.
The premium can be affected by the policy type, vehicle age, IDV, registration location, cubic capacity, claim history, applicable discounts, insurer's rating factors and selected add-ons.
