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The Honda Activa 3G is a scooter designed for everyday commuting and was part of Honda's popular Activa range in India. The Activa 3G has been discontinued, but owners of existing scooters can still require a valid bike insurance policy for riding on public roads. A third-party bike insurance policy is mandatory, while a comprehensive policy can provide wider protection for the scooter against covered own-damage risks.
The Honda Activa 3G comes with a 109.19cc petrol engine that produces 8.11 PS of maximum power and 8.83 Nm of peak torque. It features an automatic transmission, tubeless tyres, drum brakes, halogen headlamps and kick and self-start options. The scooter was known for its practicality and suitability for daily urban commuting.
The insurance premium for the Honda Activa 3G depends on factors such as the policy type, Insured Declared Value (IDV), vehicle age, registration location, claim history and selected add-ons. The following is an example comprehensive bike insurance premium breakup for an IDV of ₹44,745 and the net premium of 5 years.
| Premium Component | Amount |
|---|---|
| Basic OD Premium | ₹549 |
| Basic TP Premium | ₹3,851 |
| Zero Depreciation | ₹324 |
| Invoice Cover | ₹89 |
| 24/7 Roadside Assistance | ₹199 |
| Engine Protector | ₹67 |
| Consumable Cover | ₹45 |
| Personal Accident Cover | ₹575 |
| Driver Cover | ₹250 |
| Total Premium Before GST | ₹5,949 |
| GST (18%) | ₹1,070.82 |
| Total Amount Payable | ₹7,019.82 |
The ₹5,949 premium includes the basic own-damage and third-party premiums along with the selected add-on covers. After applying 18% GST of ₹1,070.82, the total amount payable is ₹7,019.82.
The premium for third-party bike insurance depends on applicable third-party premium rates and vehicle-related factors. For comprehensive bike insurance, the premium depends on factors such as the third-party premium, IDV, vehicle age, location, insurer and selected coverage. The premium for own damage bike insurance depends on the IDV, vehicle age, location, claims history and selected coverage.
The coverage available for your Honda Activa 3G depends on the policy you select.
| Covered Under Bike Policy | Not Covered Under Bike Policy |
|---|---|
| Third-party legal liability | Normal wear and tear |
| Accidental damage under own-damage cover | Mechanical or electrical breakdown unrelated to an insured event |
| Theft | Riding without a valid licence |
| Fire and explosion | Riding under the influence of alcohol or intoxicating substances |
| Covered natural calamities | Consequential losses unless specifically covered |
| Covered man-made events | Damage arising from excluded or unlawful use |
For example, if your Activa 3G is damaged in an accident and you have applicable own-damage coverage, the insurer may pay for eligible repairs after deducting applicable depreciation, deductibles and other non-covered expenses.
Note: The exact inclusions, exclusions, deductibles and claim conditions depend on the insurer and policy wording.
You can buy bike insurance online for your Honda Activa 3G by following these steps:
Visit the Coverfox Bike Insurance page: Start the online insurance process and enter your scooter details.
Select Honda: Choose Honda as the manufacturer.
Select Activa 3G: Choose the Honda Activa 3G model from the available options.
Enter the registration details: Provide your scooter's registration number and other requested details.
View insurance quotes: Compare available policies based on premium, coverage, IDV and other policy features.
Select the policy: Choose the policy suitable for your requirements.
Select add-ons: Add eligible optional covers if required.
Enter owner details: Provide the required personal, communication and KYC information.
Make the payment: Pay the applicable premium online.
Receive the policy: After successful payment and any required verification, the policy is issued according to the insurer's process.
For an older or discontinued model, make sure the vehicle details entered during the purchase process match the RC and existing policy records.
Existing Honda Activa 3G owners should renew their insurance before the current policy expires to maintain continuous coverage. You can compare renewal quotes from different insurers and select a suitable policy based on the required coverage and premium.
Enter the registration number: Provide your Honda Activa 3G registration details.
Verify the scooter details: Check the displayed make, model and vehicle information.
Enter previous policy details: Provide the existing or expired policy details, where required.
Check the available renewal quotes: Compare premiums, IDV, coverage and eligible add-ons.
Select the renewal policy: Choose the insurer and coverage you require.
Review your details: Verify the owner, vehicle and communication information.
Apply applicable NCB: Check whether your eligible No Claim Bonus is reflected in the renewal quote.
Make the payment: Pay the renewal premium online.
Receive the renewed policy: The renewed policy is issued after successful payment and completion of any insurer-required verification.
If your Activa 3G insurance has expired, avoid riding the scooter until you have valid insurance. The insurer may require an inspection or additional verification before issuing or restoring own-damage coverage. The applicable process depends on the insurer and the period for which the policy has remained expired.
When renewing an expired policy, keep your previous policy details and RC available and follow the insurer's instructions regarding inspection, documentation and policy issuance.
Yes. You can compare policies from different insurers when your Activa 3G policy is due for renewal. If you switch insurers, provide the required previous policy and vehicle details so that the new insurer can assess the vehicle and applicable coverage.
If your scooter suffers damage due to an insured event, you can raise a bike insurance claim with your insurer. The process may differ depending on whether you choose a cashless or reimbursement claim.
Inform the insurer: Register the claim as soon as possible after the incident.
Arrange inspection: Allow the insurer or surveyor to inspect the scooter if required.
Take the scooter to a network garage: For a cashless claim, use an authorised network garage where applicable.
Submit documents: Provide the policy details, RC, driving licence and other requested documents.
Wait for approval: The insurer assesses the damage and approves eligible repairs.
Get the scooter repaired: The network garage completes the approved repairs.
Pay your applicable share: Pay deductibles, depreciation and expenses that are not covered by the policy.
Claim settlement: The insurer settles the approved amount with the network garage according to the policy terms.
Register the claim: Inform the insurer and follow its claim instructions.
Complete inspection: Allow the scooter to be inspected if required.
Get the repairs completed: Take the Activa 3G to an eligible garage.
Pay the repair bill: Pay the repair costs directly.
Collect the documents: Keep repair estimates, original invoices and payment receipts.
Submit the claim: Provide the required documents to the insurer.
Receive reimbursement: The insurer reimburses the approved amount after assessing the claim.
Commonly required documents may include:
Insurance policy details
Registration Certificate
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
Note: Inform the insurer before carrying out major repairs unless the insurer permits otherwise.
The age of a vehicle can affect the insurer's underwriting and the availability of certain coverage options. For an older scooter, the insurer may assess the vehicle's condition and other details before providing own-damage coverage.
Standard bike insurance may not automatically cover all accessories. Accessories may require specific declaration or additional coverage, depending on the insurer and policy terms.
Yes. When ownership of the scooter changes, the insurance details should be updated or transferred as required. The new owner should ensure that the insurance and registration records reflect the correct ownership details.
The available add-ons include Zero Depreciation Cover, Engine Protection Cover, Roadside Assistance, Consumables Cover, Return to Invoice Cover, and Personal Accident Cover.
Yes. The Activa 3G was designed as a practical scooter for everyday use, particularly for urban commuting. Its automatic transmission and scooter-oriented design made it convenient for regular rides.
The Honda Activa 3G uses an automatic transmission, which eliminates the need for manual gear changes while riding.
The kerb weight of the Honda Activa 3G was approximately 108 kg. The actual weight can vary depending on the specific model configuration and equipment.
The Honda Activa 3G was available with both kick-start and self-start options, depending on the version and equipment.
