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The Honda CB Unicorn is a popular commuter motorcycle known for its refined engine, comfortable riding position and practical features. Like any two-wheeler, the Honda Unicorn can be exposed to risks such as accidents, theft, fire, natural calamities and third-party liabilities. Honda Unicorn Bike Insurance can provide financial protection against covered losses and liabilities, subject to the policy terms and conditions.
The Unicorn name has been used for different Honda motorcycle models over the years. The original Honda CB Unicorn, also commonly referred to as the Honda CB Unicorn 150, came with a 149.2cc engine and is now a discontinued legacy model. Honda later introduced the Honda Unicorn, which uses a 162.71cc engine and is the current model. There was also the Honda CB 160, sometimes referred to as the CB Unicorn 160, which was a discontinued 162.7cc model with a sportier design and different styling. Therefore, the applicable Honda CB Unicorn insurance can depend on the specific model, registration details, model year and vehicle information.
Mandatory Third-Party Cover: Third-party bike insurance is legally required to ride the Honda Unicorn on public roads in India.
Accidental Damage Protection: A comprehensive bike insurance policy can cover eligible repair costs if the Honda Unicorn is damaged in an insured accident.
Theft Protection: If the Honda Unicorn is stolen, an admissible claim can be settled based on the applicable IDV and policy terms.
Natural and Man-Made Events: A comprehensive bike policy can cover eligible losses caused by events such as fire, floods, earthquakes, riots and other insured perils.
Third-Party Financial Liability: The policy addresses legal liability arising from third-party injury, death or property damage caused by the insured Honda Unicorn.
Protection Against Repair Costs: Insurance can help reduce the financial burden of eligible repair expenses following an insured accident or other covered event.
| Model | Lowest IDV | Basic OD [1 Year] | Basic TP Premium [5 Years] | Net Premium [5 Years] |
|---|---|---|---|---|
| Unicorn CBS 160cc | ₹ 61,190 | ₹ 1,097.14 | ₹ 7,365.00 | ₹ 10,246.11 |
| Unicorn CBS 150cc | ₹ 68,807 | ₹ 1,253.00 | ₹ 3,851.00 | ₹ 6,285.86 |
| Unicorn Dazzler Dlx | ₹ 53,548 | ₹ 1,044.00 | ₹ 3,851.00 | ₹ 6,211.52 |
Disclaimer: The premium figures are indicative and may change based on the insurer, IDV, registration location, policy type, coverage selected and add-ons. The final Honda Unicorn Insurance Premium is determined by the insurer at the time of policy issuance.
The current Honda Unicorn is a reliable and popular commuter motorcycle designed for everyday city riding and long-term use. Offering a smooth, refined engine and comfortable ergonomics, the starting ex-showroom price of the bike is ₹1,15,241.
| Specification | Honda Unicorn |
|---|---|
| Engine | 162.71 cc |
| Engine Type | 4-Stroke, Single-cylinder, Spark Ignition (SI), Fuel-injected Engine |
| Transmission | 5-speed manual (1 down, 4 up pattern) |
| Fuel Type | Petrol (E20 flex-fuel compatible) |
| Maximum Power | 9.7 kW @ 7500 rpm (approx. 13.18 PS / 13 bhp) |
| Peak Torque | 14.58 Nm @ 5250 rpm |
| Starting System | Self-start / Kick-start |
| Front Suspension | Telescopic forks |
| Rear Suspension | Hydraulic Monoshock |
| Front Brake | 240 mm Disc |
| Rear Brake | 130 mm Drum |
| Braking System | Single-channel ABS |
| Headlamp | Halogen bulb (with a chrome garnish cowl) |
| Instrument Console | 3-pod Analogue cluster (Speedometer, Odometer, Tachometer & Fuel gauge) |
| Kerb Weight | 139 kg |
| Fuel Tank Capacity | 13 Litres (with a 2-litre reserve capacity) |
Specifications can differ between model years and variants. Check the manufacturer's latest variant-specific specifications before purchase.
A comprehensive Honda Unicorn Bike Insurance policy can include the following coverage:
Accidental Damage: Covers eligible damage to the Honda Unicorn caused by an insured accident.
Theft: Covers the total loss of the motorcycle due to theft, subject to the applicable IDV and policy conditions.
Fire and Explosion: Covers eligible loss or damage caused by fire, explosion or related insured events.
Natural Calamities: Covers eligible damage caused by floods, storms, cyclones, earthquakes and other specified natural events.
Man-Made Events: Covers damage arising from specified events such as riots, strikes, malicious acts and other covered incidents.
Third-Party Liability: Covers legal liability for third-party injury, death or property damage caused by the insured Honda Unicorn.
Personal Accident Cover: Provides applicable personal accident protection for the owner-driver, subject to the policy terms and eligibility requirements.
Damage During Transit: Covers eligible loss or damage while the motorcycle is being transported by road, rail, air or other approved means.
Normal Wear and Tear: Gradual deterioration of tyres, brake components, electrical parts and other items due to regular use.
Mechanical or Electrical Breakdown: Standalone mechanical or electrical failures that are not caused by an insured accident or covered event.
Depreciation and Deductibles: Applicable depreciation, compulsory deductibles and voluntary deductibles remain payable unless covered through a relevant add-on.
Riding Without a Valid Licence: Claims arising when the rider does not hold a valid driving licence for the vehicle.
Driving Under the Influence: Loss or damage occurring while the rider is under the influence of alcohol or drugs.
Unauthorised or Improper Use: Claims arising from using the Honda Unicorn in a manner not permitted under the policy or for an undeclared purpose.
Consequential Loss: Financial losses resulting indirectly from the incident, such as loss of income or loss of use of the motorcycle.
Policy-Specific Exclusions: Any event, component or circumstance specifically excluded under the insurer's policy wording or add-on terms.
Note: The final coverage and exclusions depend on the insurer and policy wording.
| Add-on Cover | How It Can Help |
|---|---|
| Zero Depreciation Cover | Reduces depreciation deductions on eligible parts replaced during an admissible claim. |
| Roadside Assistance Cover | Provides assistance for situations such as breakdowns, towing and other covered roadside emergencies. |
| Return to Invoice Cover | Can provide a higher settlement basis in eligible total-loss or theft claims, subject to policy conditions. |
| Engine/Protect Cover | May cover specified consequential damage to covered mechanical components where this add-on is applicable to the motorcycle. |
| Consumables Cover | Covers specified consumables used during the repair of an admissible claim. |
| Key Replacement Cover | Helps with the cost of replacing lost or damaged keys, subject to the add-on terms. |
| Personal Belongings Cover | Covers specified personal belongings damaged or lost during an insured event, where offered. |
| Tyre Protect Cover | Covers eligible tyre and wheel damage under the add-on's terms, where available. |
Note: Honda Unicorn Insurance Add-ons differ between insurers and policies. Check the add-on wording, exclusions and component coverage before selecting optional protection.
For Honda Unicorn, you can Buy bike insurance online through Coverfox by following these steps:
Enter Your Bike Details: Enter the Honda Unicorn registration number and required vehicle information. For a new bike, provide the relevant purchase details.
Compare Available Policies: Review the available insurers, policy types, coverage and premium options.
Select Your Policy: Choose third-party, standalone own-damage or comprehensive bike insurance based on your requirements.
Choose Add-ons: Select relevant covers such as zero depreciation, roadside assistance or other available protection.
Provide Required Details: Enter the policyholder and vehicle information required for policy issuance.
Make the Payment: Pay the selected policy premium online.
Receive Your Policy: The policy document is issued digitally after successful purchase.
You can also compare insurance for Honda bikes to explore insurance options for different Honda two-wheelers.
You can complete your Honda Unicorn Insurance Renewal online through Coverfox.
Enter Existing Policy Details: Enter your registration number or existing policy information.
Review Available Renewal Options: Check the policy details, premium and coverage before proceeding.
Update Your Coverage: Add or remove eligible add-ons based on your current requirements.
Pay the Renewal Premium: Complete the payment online.
Receive the Renewed Policy: Get the updated policy document digitally after successful renewal.
The Honda Unicorn Insurance Claim process differs based on whether you choose a cashless repair or pay for repairs and seek reimbursement.
Inform the Insurer: Register the two wheeler insurance claim with your insurer as soon as possible after the incident.
Share the Incident Details: Provide the accident or loss details and the information requested by the insurer.
Submit the Required Documents: Share the policy, RC, driving licence and other claim documents.
Vehicle Inspection: The insurer may inspect the Honda Unicorn before approving repairs.
Visit a Network Garage: Take the motorcycle to an authorised network garage for repairs.
Claim Settlement: The insurer settles the approved amount directly with the garage, subject to deductibles and policy terms.
Register the Claim: Inform the insurer and obtain the claim reference details.
Complete the Inspection: Follow the insurer's instructions for inspection before repairs, where required.
Repair the Motorcycle: Get the Honda Unicorn repaired at the selected garage after following the claim requirements.
Keep All Bills: Retain repair invoices, payment receipts and other supporting documents.
Submit the Claim Documents: Send the required documents and original bills to the insurer.
Receive Reimbursement: The insurer processes and reimburses the admissible claim amount after applicable deductions.
Duly completed claim form
Insurance policy document
Registration Certificate (RC)
Valid driving licence
Photographs of the damage, where required
FIR or police report, where applicable
Repair estimate
Original repair bills and payment receipts for reimbursement claims
Any additional documents requested by the insurer
Yes. Third-party bike insurance is mandatory for the Honda Unicorn when it is used on public roads in India. You can choose comprehensive insurance for additional protection against eligible own-damage risks.
You can choose from third-party bike insurance, standalone own-damage insurance and comprehensive bike insurance, depending on your coverage requirements.
A comprehensive policy can be suitable for owners looking for protection against both third-party liabilities and eligible damage to the Honda Unicorn. Third-party and standalone own-damage policies can also be considered based on the coverage required.
The original Honda CB Unicorn 150 had a 149.2cc engine and is a discontinued legacy model. The current Honda Unicorn uses a 162.71cc engine. The Honda CB 160, sometimes referred to as the CB Unicorn 160, was another discontinued 162.7cc model with different styling and features.
Yes, an expired policy can be renewed. Depending on the insurer and the period since expiry, a vehicle inspection may be required before the renewed policy is issued.
Yes. You can buy Honda Unicorn bike insurance online by entering your vehicle details, comparing available policies, selecting the required coverage and add-ons, and completing the payment online.
