Ducati Bike Insurance

Ducati, the famous bike manufacturer from Italy was founded in 1926. Having its main headquarters in Bologna, Italy, Ducati entered the Indian markets in 2015 (Had early presence with imports). Ducati bikes use a Desmodromic valve system, a rare mechanical innovation that eliminates valve springs, which is a unique feature that can only be seen in Ducati bikes. Ducati has its main operation base in Gurugram, India with a premium portfolio with bikes like the Panigale, Diavel, Multistrada, Monster, Hypermotard, and DesertX series.

All Ducati bikes in India are imported as CBUs (Completely Built Units), the reason why they come under the premium segment. Premium or not, you still need a two-wheeler insurance policy to be able to legally ride on public roads of India. Also, since it's an expensive bike, bike insurance is a must to avoid large amounts of expenses that the bike needs.

In a Ducati bike insurance policy, these are the inclusions and exclusions:

What is covered in Ducati bike insurance

• Third-party liability

Any liability in an accident caused by your Ducati bike will be covered under insurance.

• Damage done to own vehicle

Insurers provide coverage to damages done to your own vehicle during an accident.

• Natural Calamities

Insurance covers damages caused by natural calamities like floods, earthquakes, storms, hurricanes, landslides, etc.

• Man-made Hazards

The bike insurance policy will cover damages caused by man-made hazards like thefts, robberies, riots, vandalism, terrorist activities, etc.

• Damages covered as per Add-ons

Add-ons like Personal Accident Cover, Zero Depreciation, 24x7 Roadside Assistance, etc enhance your coverage and protect further damages that can be incurred to your bike.

What is not covered in Ducati bike insurance

• Normal Wear and Tear of the bike


• Damages done while riding under the influence


• Damages done by an illegal rider (Rider with no licence, unauthorized rider, etc)


• Mechanical/Electrical breakdowns


• Damages done to tyres (Except when incurred during an accident)


• Depreciation of the vehicle


• Damages done due to wars, mutiny or nuclear threats

Add-ons enhance coverage for a two-wheeler insurance policy. These are the add-ons available for Ducati bikes:

• Zero depreciation policy


• NCB protection policy


• Engine Cover policy


• Passenger policy


• Invoice Cover


• 24x7 Roadside Assistance Cover


• Consumable cover


• Personal accident cover

Premium price for Ducati bikes is calculated based on the following factors:

• Coverage

Depending on the type of insurance, premium costs are adjusted. A basic third-party bike insurance will cost the least whereas a more comprehensive bike insurance will cost the most.

• Ducati Bike Details

The age, model, price, variant, etc of the bike affects the premium rate of the bike insurance directly.

• Location

Urban cities have higher insurance rates than rural areas due to high risk of accidents or mishaps happening and repair costs.

• Insurer

Each insurer will have different rates of premium providing coverage as per their policies. Make sure you compare each insurer at Coverfox before buying a two-wheeler insurance policy.

• Add-ons

Add-ons enhance your protection, but they come at a cost, adding to the premium price of the insurance policy.

• Policyholder’s Profile

The rider’s background also matters in the premium calculation. Repeated offenders are classified as high risk and often have higher premiums.

• Discounts

NCB benefits, direct discounts, festive discounts can get you a reduction in the premium price for your Ducati motorcycle insurance.

You can buy Ducati bike insurance policy online through Coverfox:

1. Head over to Coverfox website


2. Go to Bike Insurance > Two-wheeler Insurance


3. If buying for a new bike, Click on “Bought a new bike”


4. Select Ducati and choose your model


5. After selecting the variant, enter your RTO details


6. Click on “Get Quotes” to get the best quotes available online from top insurers


7. Select the insurance policy that fits best for you, and select the necessary add-ons to customize it


8. Pay the prescribed fees and your insurance policy will be mailed to you.

Renewal of the Ducati bike insurance is as easy as it can get and can be done under 3 minutes at Coverfox:

1. Head over to Coverfox Insurance Page


2. Goto Bike Insurance > Two-wheeler Insurance


3. Enter your bike number


4. Enter your policy expiry details


5. Enter your bike details


6. Select the insurer which is best for you


7. Select the necessary add-ons for more coverage


8. Pay the prescribed premium fees


9. Your policy will be renewed instantly.

If you previously bought from Coverfox and want to renew your policy, follow these steps:

1. Go to Coverfox website


2. Go to Bike Insurance > Two-wheeler Insurance


3. Click on “Renew here in 2 steps”


4. Fill in your mobile number to login or use your policy number


5. Select the insurer you want and add-ons you need


6. Pay the prescribed fees and your policy will be instantly renewed

Documents required for buying/renewing Ducati bike insurance policy

• RC of the Bike


• Previous Insurance Policy


• DL of the rider


• Some insurers may require photos of the bike


• ID and Address Proof

Here is the claim process for your Ducati Bike insurance which can be done online by:

1. Inform the insurer about the incident regarding the claim (Theft or accident or damages)


2. Go to the police station and file an FIR if required


3. Fill in the claims form from your insurer’s website


4. Collect evidence to support the claim if required (Photos of the accident, FIR reports, eye witness reports, etc)


5. Make sure to have all the required documents to be submitted


6. Go to a network garage of your insurer for a cashless claim or go for reimbursement


7. Keep the invoice for the repairs from the garage for reimbursement


8. If you have any problems during the claim process, you can contact Coverfox support for excellent help.

Documents required for Ducati bike insurance claiming process

• Duly signed claim form


• Copy of valid vehicle Registration Certificate (R.C.)


• Copy of valid Driving Licence (DL)


• Copy of first two pages of policy document


• FIR for accidental damage


• Original repair bill, cash receipt, and proof of release.

Ducati bikes fall under the premium category of motorcycles in India. Riding without insurance can not only land you in legal trouble, but also financial trouble. Bike insurance will help you in your time of need, and is an absolute purchase for your Ducati bikes. Get the best rates for two-wheeler insurance at Coverfox for Ducati bikes and get your prized possession insured today.