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Hero Vida is Hero MotoCorp's electric scooter range, comprising the Vida VX2 and Vida V2 series. What sets Vida apart is its removable battery system, allowing riders to charge the battery at home or swap it where supported. As these scooters rely on high-value components such as the battery pack and electric motor, an electric bike insurance policy helps protect against accidents, theft, third-party liabilities and costly repairs of Hero Vida electric bikes.
Hero Vida has an electric scooter portfolio with models that cater to both budget-conscious commuters and riders looking for longer range and premium features.
| Hero Vida Electric Scooter | Features | Ex-showroom Price* |
|---|---|---|
| Vida VX2 Go | 2.2 kWh removable battery, LCD display, 92 km IDC range, Battery-as-a-Service option | ₹99,490 (Battery Included) / ₹59,490 (BaaS) |
| Vida VX2 Plus | 3.4 kWh removable battery, TFT display, Sport mode, front disc brake, connected features | ₹1,09,990 (Battery Included) / ₹64,990 (BaaS) |
| Vida V2 Lite | 2.2 kWh removable battery, keyless operation, regenerative braking | ₹74,000 onwards |
| Vida V2 Plus | 3.44 kWh removable battery, 143 km IDC range, TFT display, smartphone connectivity | ₹1.05 lakh onwards |
| Vida V2 Pro | 3.94 kWh removable battery, up to 165 km IDC range, cruise control, fast charging, keyless access | ₹1.15 lakh onwards |
Note: *Ex-showroom prices may vary depending on the city and applicable offers.
The bike insurance price for Hero Vida Electric scooter depends on factors like variant selected, IDV selected, age, make, add-ons chosen, location of the bike, and various other factors.
| Hero Vida EV Models | IDV [1st Year] | Zero Depreciation | Net Premium [5 Years] |
|---|---|---|---|
| Vida VX2 Go [3.4Kwh] | ₹76,532 | ₹137 | ₹4,855 |
| Vida VX2 Go [2.2Kwh] | ₹66,650 | ₹120 | ₹4,772 |
| Vida V1 Pro | ₹1,17,506 | ₹211 | ₹5,203 |
| Vida VX2 Plus | ₹85,557 | ₹153 | ₹4,931 |
| Vida V1 Plus Gen 1 | ₹92,687 | ₹166 | ₹4,993 |
The best bike insurance for Hero Vida depends on how you use your Hero Vida, the value of the scooter and the financial risk you're willing to take. Here's how the available policy types compare:
| Insurance Type | What It Covers | Suitable For |
|---|---|---|
| Third-Party Insurance | Covers compensation for third-party injury, death or property damage caused by your scooter. It does not pay for damage to your own Hero Vida. | Riders who need the legally mandatory minimum insurance cover. |
| Comprehensive Insurance | Combines third-party liability cover with protection against accidental damage, theft, fire, natural calamities and other insured risks affecting your Hero Vida. Add-ons can be purchased for wider coverage. | Owners looking for all-round financial protection for their electric scooter. |
| Standalone Own Damage Insurance | Pays for repair or replacement costs if your Hero Vida is damaged due to an insured event. A valid third-party policy is required to purchase this cover. | Riders who already have third-party insurance and want to insure their own scooter separately. |
| Inclusions | Exclusions |
|---|---|
| Accidental damage to your Hero Vida electric scooter due to collisions or road accidents. | Normal wear and tear, including gradual reduction in battery performance over time. |
| Loss or damage caused by fire, explosion, lightning or self-ignition. | Mechanical or electrical breakdowns not caused by an insured event. |
| Theft of the insured scooter or compensation in case of total loss, subject to policy terms. | Damage caused while riding without a valid driving licence. |
| Damage resulting from natural calamities such as floods, cyclones, earthquakes and landslides. | Claims arising when the rider is under the influence of alcohol or intoxicating substances. |
| Damage caused by riots, strikes, vandalism or other malicious acts covered under the policy. | Damage resulting from racing, speed testing or any illegal use of the scooter. |
| Third-party injury, death or property damage, as applicable under the policy. | Consequential loss caused by continuing to ride the scooter after an accident. |
| Damage to factory-fitted EV components, including the electric motor and battery, if caused by an insured event and covered under the policy terms. | Damage to a removable battery that is not owned by the policyholder, such as under a Battery-as-a-Service (BaaS) arrangement, unless specifically covered. |
| Additional protection through add-ons such as Zero Depreciation, Roadside Assistance and Return to Invoice, if opted for. | Depreciation, consumables and losses specifically excluded under the policy terms or not covered through an add-on. |
Note: Coverage for the battery, charger and other factory-fitted EV components may vary depending on the insurer, policy type and ownership model. If your Hero Vida is purchased under the Battery-as-a-Service (BaaS) model, check whether the battery is covered under your insurance policy or separately by the battery service provider.
A few add-ons are particularly useful for electric scooters like Hero Vida, as they can reduce repair costs and improve assistance during unexpected breakdowns.
Electric scooters use expensive body panels and factory-fitted electrical components. This add-on helps you receive a higher claim amount by eliminating depreciation deductions on eligible parts.
If your Vida scooter suffers a breakdown away from home, this cover provides services such as towing, flat tyre assistance and minor on-site repairs. Some insurers may also extend support for EV-related breakdowns, depending on the policy.
If the scooter is stolen or declared a total loss, this add-on pays the original invoice value instead of the depreciated IDV, helping reduce your financial loss.
Some insurers offer battery-specific protection for damage caused by insured events such as accidents or fire. Since battery cover varies across insurers and ownership models, always review the policy terms before opting for this add-on.
Repair work often involves replacing small consumables such as screws, clips, washers and grease, which are usually excluded from standard policies. This add-on covers those additional expenses.
This cover allows you to retain your accumulated No Claim Bonus even after making a specified number of claims, subject to the insurer's terms.
Note: Add-ons differ from one insurer to another. If your scooter is purchased under the Battery-as-a-Service (BaaS) model, confirm whether the battery is insured under your policy or covered separately by the battery service provider.
Buying or renewing Hero Vida insurance online takes only a few minutes on Coverfox. You can compare plans from leading insurers, customise your coverage and complete the purchase without any paperwork.
Follow these steps:
Enter your scooter's registration number or select the make, model and variant.
Provide the required details, such as the registration year and previous policy information (for renewals).
Compare quotes from multiple insurance companies on a single platform.
Select the policy and add-ons that best suit your needs.
Complete the payment online.
Receive your policy instantly via email.
Yes. You can purchase a new policy or renew an existing one for Hero Vida Scooter online in just a few minutes. Once the payment is successful, the policy is issued digitally.
Here are the claim processes for filing a Hero Vida electric bike insurance claim:
If your Vida VX2 or Vida V2 is damaged in an accident, you can opt for a cashless claim at one of the insurer's authorised network garages.
Inform your insurer as soon as the incident occurs.
Register the claim and note the claim reference number.
Take the scooter, or arrange towing if it is not rideable, to a network garage.
A surveyor inspects the Hero Vida damage, including affected EV components such as the body panels, electric motor or battery, wherever applicable.
Once the claim is approved, the garage carries out the authorised repairs.
Pay only the deductible and any non-covered charges before collecting your scooter.
If you prefer getting your electric Vida scooter repaired at a garage outside the insurer's network, you can file a reimbursement claim after the repairs are completed.
Inform the insurer and register your claim before starting repairs.
Get the vehicle inspected if the insurer requests a survey.
Complete the repairs and collect all invoices and payment receipts.
Submit the required documents to the insurer for verification.
Once approved, the eligible claim amount is credited to your bank account.
The insurer may ask for the following documents while processing the claim:
Duly filled claim form
Copy of the insurance policy
Registration Certificate (RC) of the scooter
Valid driving licence of the rider
Repair estimate and final invoices
Photographs of the damaged scooter, if requested
FIR, in case of theft or where legally required
Cancelled cheque or bank account details for reimbursement claims
For claims involving the removable battery, coverage depends on the policy terms and the battery's ownership. If your scooter is covered under a Battery-as-a-Service (BaaS) subscription, confirm whether the battery is insured by your insurer or covered separately by the service provider.
Compare Vida bike insurance from multiple insurers in one place. Here’s why you should choose us:
Compare Hero Vida insurance plans in one place: View premiums and policy features from multiple insurance companies without visiting individual insurer websites.
Find the right cover for your Hero Vida variant: Select the exact Vida VX2 or Vida V2 variant to receive insurance quotes based on its Insured Declared Value (IDV) and specifications.
Choose add-ons that suit your needs: Enhance your Hero Vida insurance with optional covers such as Zero Depreciation, Roadside Assistance, Return to Invoice and other insurer-specific add-ons.
Buy or renew your policy online: Purchase a new Hero Vida insurance policy or renew an existing one in just a few minutes through a simple digital process.
Instant policy issuance: Once the payment is completed, your Hero Vida insurance policy is issued digitally and shared with you immediately.
Cashless repairs across network garages: Choose from insurers that offer access to a large network of authorised cashless garages, making claim repairs quicker and more convenient.
Dedicated claim support: From claim registration to document guidance, the Coverfox team assists you throughout the Hero Vida insurance claim process.
Disclaimer: Coverage options, benefits, and price related to Hero Vida bike insurance depend on the available insurer and their policy terms. For accurate information, refer to your policy wordings only.
Yes. Under the Motor Vehicles Act, every Hero Vida electric scooter ridden on public roads must have at least a valid third-party insurance policy. Riding without insurance can lead to fines and other legal penalties.
Third-party insurance only covers legal liabilities arising from injury, death or property damage caused to others. Comprehensive insurance includes this cover while also protecting your Hero Vida against accidents, theft, fire, natural calamities and other insured risks.
It can. If the factory-fitted battery is damaged due to an insured event, such as an accident or fire, the claim may be covered subject to the policy terms. Damage caused by normal battery ageing, wear and tear or manufacturer defects is generally not covered.
On selected Vida VX2 variants, the battery can be purchased under a Battery-as-a-Service (BaaS) subscription instead of owning it outright. In such cases, battery ownership differs from the scooter's ownership, so you should check whether the battery is covered under your insurance policy or separately by the battery service provider.
Zero Depreciation, Roadside Assistance, Return to Invoice, Consumables Cover and Battery Protect (where available) are among the most useful add-ons. The availability of these covers depends on the insurer.
Not necessarily. The premium depends on factors such as the scooter's Insured Declared Value (IDV), registration location, policy type, No Claim Bonus (NCB) and selected add-ons. The type of fuel alone does not determine the insurance premium.
Roadside assistance is available only if you purchase the relevant add-on and the insurer includes EV battery-related assistance in its coverage. Since benefits vary between insurers, it's advisable to review the policy wording before buying.
A Hero Vida electric scooter contains high-value components such as the battery pack, electric motor and electronic systems. Insurance helps cover repair or replacement costs arising from insured events, protects against third-party liabilities and ensures compliance with the legal requirement to carry at least third-party insurance while riding on public roads.
