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icon Two Wheeler Insurance icon Hero Motocorp icon Karizma
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Hero Karizma Bike Insurance

Being a flagship offering from the stable of Hero MotoCorp, Karizma is designed to have looks that substantially distinguish it from its siblings. With a flared side profile that aids aerodynamic characteristics and a taller tail section, the bike is meant to look aggressive while being practical in order to cope with Indian riding conditions.

Karizma made its debut back in 2003 when it was touted as the first semi-faired motorcycle in the country. After the launch of Karizma in 2003, it underwent changes in performance released as Karizma R, and then again in 2009, it was upgraded as Karizma ZMR with changes in cosmetic and performance. Bike insurance is mandatory in India.

Top Bike Insurance Plans in June 2025

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Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

Disclaimer: The above mentioned prices are for a 2 year old Hero Honda Karizma R 223 CC, registered in Navi Mumbai & previous policy has expired.

How to buy/renew Hero Motocorp Karizma Insurance?

  • Visit official website of coverfox.com
  • Click on bike
  • Enter your bike number and policy expiry date
  • If you are not sure of bike number, enter the bike name, bike registration RTO and previous policy expiry date
  • In case if you have bought a new bike, click on bought a new bike and enter bike model and variant
  • Click on view quotes
  • Check on premium, coverage and other details
  • Enter bike owner details like name, email address, nominee name, date of birth, etc
  • Enter communication address and vehicle details
  • Make the payment and get policy instantly

Types of Insurance to Buy for Karizma Bike

Comprehensive Two Wheeler Insurance

  • Takes care of the finances required in case of complete bike damage depending on the plan’s terms & conditions.
  • Takes care of any costs involved in case of damages due to man-made actions, thefts & natural calamities.
  • Takes care of your own losses & damages along with the third party’s losses & damages.

3rd party Two Wheeler Insurance

  • Takes care of costs involved pertaining to only third party damages, losses & injuries.
  • Takes care of costs involving legal liabilities pertaining to the third party.
  • Provides a sum amount if the third party individual passes away due to an accident.

Add-ons

  • Nil Dep Rider: A highly recommended rider that protects your full claim amount completely jumping the claim deductions.
  • NCB Rider Add-on: Another highly recommended rider protecting your renewal discount even if you have a non-claim free year.
  • Engine Protection Rider: Covers the risk of engine damages due to flooding, water-logging or even vandalism in a risk prone area.
  • Passenger Protection: Covers the risk of any passenger sitting behind you on your bike, ensuring his or her safety.
  • RTI Policy Rider: Covers the risk of complete damage or loss beyond repair by offering you a lump sum amount equal to the invoice value.
  • Roadside Assistance Add-on: For any type of emergency situations that you might face while riding your bike, for e.g. Flat tire or breakdown, this ride helps you with getting assistance.

Add-Ons for Your Hero Motocorp Karizma Insurance

Zero Depreciation Cover
Zero Depreciation Cover
No Claim Bonus Cover
No Claim Bonus Cover
Emergency Roadside Assistance
Emergency Roadside Assistance
Return to Invoice
Return to Invoice
Daily Allowance Benefit
Daily Allowance Benefit
EMI Protection
EMI Protection
Engine Protection Cover
Engine Protection Cover

What is covered under Hero Motocorp Karizma Insurance?

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Fire & explosion
Covers damages caused to the bike in case of fire and explosion
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Theft
Covers total cost of your vehicle in case of theft
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Accidents
Damages caused due to accident are covered
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Natural and man-made calamities
Natural disasters like flood, storms or man-made calamities like vandalism, terrorist attack, etc are covered
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Personal Accident
Provides coverage in case of death or disability caused due to an accident

What’s not covered under Hero Motocorp Karizma insurance?

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Wear & tear
Normal wear & tear of the scooter is not covered
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Electrical or mechanical breakdown
Electrical or mechanical breakdown of the scooter is not covered
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Riding outside geographical limit
Riding the scooter and causing damages outside geographic limit is not covered
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Riding in intoxicated state
Riding under the influence of drugs or alcohol is not covered
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Policy inactivation
Claiming for damages during the time when policy is inactive
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Illegal activity
Using the scooter for any illegal activity and claiming for damages
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No driving license
Riding without a valid driving license and not abiding by the traffic rules is illegal

How to claim for Karizma Bike Insurance?

Two-wheeler insurance claim in case of theft of Karizma Bike

  • Kick off by making a registration of a fresh First Information Report at any nearby police station.
  • Call up the agent or insurer & keep all policy docs handy. Do this within 2 days.
  • Deliver docs like the report of FIR, No trace report, claim doc & bike keys to the insurance organization.
  • For total loss, you’ll get a lump sum amount that equals the bike’s current IDV.

Own-damage two wheeler insurance claim for Karizma Bike

  • Call up the agent or insurer & keep all policy docs handy. Do this within 2 days.
  • Then kick off by making a registration of a fresh First Information Report at any nearby police station.
  • Keep the vehicle where it is unless & until you contact the insurer.
  • Then the insurer will calculate the damages or losses via a proper examination.
  • You’ll then either receive an amount as reimbursement or you can go for the cashless network garage services.

Third party two wheeler insurance claim for Karizma Bike

  • Kick off by making a registration of a fresh First Information Report at any nearby police station.
  • Call up the agent or insurer & keep all policy docs handy. Do this within 2 days.
  • Collect witnesses’ data who were present at the spot.
  • Take a few clicks which can act as evidence.
  • Write down all the car or bike insurance policy specifics of the 3rd party.
  • File a case in the special Motor Accident Claims Tribunal court.

Key Specifications of Karizma Bike

SPECIFICATIONS DETAILS
Power 19 hp
Torque 19 Nm
Transmission 5-Speed
Acceleration (0-60 kmph) 3.8 seconds
Fuel Economy (kmpl) 30 kmpl

List Price of Variants of Karizma Bike

VARIANT PRICE
Karizma ZMR 223cc 51 Kmpl, 223 cc (Discontinued) 1,06,150
Karizma ZMR STD 51 kmpl, 223 cc (Discontinued) 1,08,000

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Frequently Asked Questions

  • Q. What is the city Mileage of Hero Karizma ZMR?

    • 51 Kmpl.

  • Q. What is the Tyre Type of Hero Karizma ZMR?

    • Tubeless tyres.

  • Q. What is the Start type of this bike?

    • Self-Start Only.

  • Q. What is the engine displacement of Hero Karizma ZMR?

    • 223 cc

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