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The Bajaj Platina is one of India's most popular commuter motorcycles, known for its excellent mileage, comfortable ride quality, and low maintenance costs. Since its introduction in April 2006, the Platina has earned the trust of millions of riders looking for an affordable and dependable motorcycle for daily commuting.
Having the right bike insurance policy is essential to protect your Bajaj Platina against financial losses arising from accidents, theft, natural calamities, and third-party liabilities. Besides helping you comply with mandatory insurance requirements, a suitable policy can provide coverage for repair expenses, vehicle damage, and legal liabilities. Depending on your coverage needs, you can choose from third-party, comprehensive, or standalone own-damage insurance plans for your Bajaj Platina.
The Bajaj Platina is a commuter-focused motorcycle known for its fuel efficiency, comfort, and low maintenance costs. The Platina 100 is powered by a 99.59cc engine, while the Platina 110 comes with a larger 115.06cc engine that offers slightly better performance. Both variants are designed for everyday commuting and deliver impressive mileage, with the Platina 100 offering around 70-75 kmpl and the Platina 110 delivering approximately 65-70 kmpl under normal riding conditions.
Both models feature an 11-litre fuel tank, 200 mm ground clearance, and a comfortable suspension setup designed to handle Indian road conditions. The Platina range also comes equipped with a Combi Braking System (CBS), comfortable seating, and a lightweight design, making it a practical choice for daily travel as well as longer rides.
The Bajaj Platina insurance premium depends on several factors, including the model variant, registration location, Insured Declared Value (IDV), policy type, age of the vehicle, and add-ons selected.
As these factors vary from one bike owner to another, the Bajaj Platina insurance price may differ across insurers. Comparing policies online can help you find suitable coverage at a competitive premium while ensuring you get the protection you need.
| Bajaj Platina Variants | IDV [1st Year] | Zero Depreciation | Net Premium [5 Years] |
| Platina 100 STD | ₹30,637 | ₹138 | ₹5,591 |
| Platina 100 ES Alloy Wheel | ₹35,283 | ₹159 | ₹5,691 |
| Platina 100 ES Drum - BS6 | ₹41,085 | ₹288 | ₹6,807 |
| Platina 100 ES BS IV UG | ₹39,924 | ₹220 | ₹7,379 |
Bajaj Platina owners can choose from three types of bike insurance plans. Third-party bike insurance covers legal liabilities arising from third-party injuries, death, or property damage and is mandatory under Indian law. A comprehensive two wheeler insurance policy provides broader protection by covering both third-party liabilities and damages to your own motorcycle caused by accidents, theft, fire, natural calamities, and man-made events. Meanwhile, standalone own-damage insurance covers damages to your Bajaj Platina, while third-party liabilities are covered under a separate third-party insurance policy.
Coverage may vary depending on the insurer and policy type. Generally, comprehensive Bajaj Platina insurance covers:
Accidental damage to the insured bike
Theft of the motorcycle
Fire and explosion damage
Natural calamities such as floods, cyclones, earthquakes, and storms
Man-made damages such as riots and vandalism
Third-party injury, death, or property damage
Personal accident cover for the owner-driver
Most insurers do not cover:
Normal wear and tear
Mechanical or electrical breakdowns
Consequential damages
Riding without a valid driving licence
Riding under the influence of alcohol or drugs
Damages outside policy terms and conditions
Illegal use of the vehicle
Depending on the insurer, you can enhance your coverage with optional add-ons.
Reduces depreciation deductions during claim settlement and helps maximize claim payouts.
Provides emergency support during breakdowns, battery failures, towing requirements, and flat tyres.
Offers protection against repair expenses resulting from engine damage caused by water ingress or lubricant leakage.
Covers the cost of consumable items such as engine oil, grease, lubricants, nuts, and bolts that are generally excluded from standard policies.
| 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 |
Buying or renewing your Bajaj Platina insurance online through Coverfox is quick and hassle-free. You can compare plans from multiple insurers, choose suitable coverage, and complete the process in just a few steps.
Enter your Bajaj Platina registration number.
Verify your bike details or select the model and variant.
Compare Platina two wheeler insurance plans from leading insurers.
Choose the desired policy type and add-on covers.
Review the premium and coverage details.
Complete the payment securely online.
Receive your policy document instantly via email.
Keep the following details handy before purchasing or renewing your policy such as bike registration number, previous insurance policy details (for renewals), vehicle registration certificate (RC), and owner's basic contact details. With Coverfox, you can easily buy Bajaj Platina insurance, renew Bajaj Platina insurance, compare premiums, and select a policy that matches your coverage needs and budget.
A Bajaj Platina insurance claim can be filed through either a cashless or reimbursement process, depending on the insurer and garage selected.
Inform the insurer immediately after the incident.
Take the vehicle to a network garage.
Submit the required documents.
The insurer inspects the vehicle.
Approved repair costs are settled directly with the garage.
Notify the insurer about the damage.
Repair the bike at a garage of your choice.
Submit repair bills and supporting documents.
The insurer verifies the claim.
Eligible expenses are reimbursed according to policy terms.
The following documents are commonly required for a Bajaj Platina insurance claim:
Insurance policy document
Registration Certificate (RC)
Driving licence
Duly filled claim form
Repair estimates and invoices
Additional documents requested by the insurer
Additional Documents Required for Theft Claims such as FIR copy, final police report, original vehicle keys, vehicle ownership documents, and additional documents requested by the insurer.
Over the years, Bajaj Auto has introduced and discontinued several Platina variants based on market demand and regulatory requirements.
Introduced in 2007, the Platina 125 DTS-Si targeted riders looking for a more powerful commuter motorcycle. It was later discontinued as demand remained stronger in the 100cc commuter segment.
This variant featured a 5-speed gearbox and a gear-shift guide system aimed at improving riding comfort and efficiency. Bajaj eventually streamlined the Platina lineup and discontinued the model.
The Platina 110 ABS became popular for offering single-channel ABS in the commuter segment. However, it was discontinued in January 2025 as Bajaj shifted focus to other variants within the Platina range.
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 Platina bike insurance is an insurance policy that provides financial protection against risks such as accidents, theft, fire, natural calamities, and third-party liabilities. Depending on the coverage selected, it can help cover repair costs, vehicle damage, and legal liabilities while ensuring compliance with mandatory insurance requirements in India.
Yes. Every Bajaj Platina owner must have at least a valid third-party insurance policy as required by law.
A comprehensive Bajaj Platina insurance policy is generally recommended because it covers both third-party liabilities and damages to your own motorcycle.
Yes. Theft is generally covered under comprehensive Bajaj Platina insurance policies, subject to policy terms and conditions.
You can download your Bajaj Platina insurance copy from your insurer's website, customer portal, mobile application, or by contacting customer support.
Yes. The Bajaj Platina insurance policy can be transferred to the new owner during the ownership transfer process.
Comparing Bajaj Platina insurance online allows you to evaluate policy benefits, coverage options, premiums, claim settlement support, and add-on covers across multiple insurers. This helps you select the most suitable policy without spending excessive time or money. By comparing plans online, you can find a Bajaj Platina insurance policy that offers the right balance of affordability and protection.
