The Honda Dio is one of India’s most popular sporty scooters, especially among young urban riders looking for stylish design, lightweight handling, and practical city performance. Available in both 110cc and 125cc versions, the Dio lineup balances fuel efficiency, convenience features, and everyday usability for daily commuting. Since the scooter is widely used for daily commuting and city traffic riding, bike insurance plays an important role in protecting against accidental damage, theft, floods, and third-party liabilities.
The Honda Dio model is currently available with 109.51cc and 123.92cc engines. The Dio 110 focuses more on lightweight city commuting and fuel efficiency, while the Dio 125 offers stronger performance, additional features, and improved highway capability. Recent updates include OBD-2B compliant engines, TFT digital console upgrades, smart key functionality in selected variants, and new X-Edition styling options for the Dio 125.
Honda Dio Variants and Key Features
Based on engine capacity, Honda Dio has 2 variants - 110cc and 125cc.
Honda Dio 110
The Honda Dio 110 uses a 109.51cc single-cylinder engine producing approximately 7.75 bhp and 9.03 Nm torque. The scooter delivers claimed mileage figures of around 50 kmpl and is available mainly in Standard and DLX variants. The DLX version additionally gets a TFT digital console and updated styling elements.
Honda Dio 125
The Honda Dio 125 is powered by a 123.92cc engine producing around 8.30 PS power and 10.5 Nm torque. It delivers slightly stronger acceleration and improved highway riding capability compared to the 110cc version. The lineup includes Standard, H-Smart, and X-Edition variants with features such as Smart key system, Keyless ignition, Remote tracker, Digital console, Dual-tone graphics, and Distinctive red wheels in X-Edition.
Insurance Premiums for Honda Dio
| Honda Dio Variants |
IDV [1st year] |
Zero Depreciation |
Net Premium [5 years] |
| Dio STD 110 CC |
₹54,806 |
₹274 |
₹6,098 |
| Dio 125 |
₹60,705 |
₹304 |
₹6,193 |
Note: Premiums are indicative and may vary depending on insurer, variant, location, IDV, and selected add-ons.
Types of Insurance Available for Honda Dio
Third-party insurance covers legal and financial liabilities caused to another person, vehicle, or property and is mandatory under Indian law.
Comprehensive insurance provides wider protection against accidental damage, theft, floods, fire, natural calamities, and third-party liabilities affecting your Honda Dio.
Standalone own-damage insurance covers damages to your own scooter caused by insured events while third-party insurance is purchased separately.
Key Highlights of Honda Dio
Available in both 110cc and 125cc engine options with fuel-efficient automatic CVT transmission.
Equipped with convenience features such as external fuel filling, USB Type-C charging port, digital console, and side-stand engine cut-off.
Higher variants offer H-Smart keyless technology with remote unlock and anti-theft functions.
Features Combi Brake System (CBS), lightweight handling, comfortable ergonomics, and sporty styling suitable for urban commuting.
Recommended Add-Ons for Honda Dio Bike Insurance
Zero Depreciation Cover helps minimise depreciation deductions during claims and improves final settlement value.
Roadside Assistance (RSA) provides emergency support during punctures, towing situations, or battery issues.
Engine Protection Cover helps cover repair costs caused by water ingress or lubricant leakage.
Return to Invoice (RTI) Cover helps bridge the gap between the scooter’s IDV and original invoice value during theft or total loss situations.
How to Buy Honda Dio Bike Insurance Online
You can purchase or renew insurance for your Honda Dio online through Coverfox quickly and conveniently.
Step 1: Keep Documents Ready
Before starting, keep the following documents ready:
Registration Certificate (RC)
Previous insurance policy for renewals
Driving licence
Basic KYC documents if required
Step 2: Enter Scooter Details
Enter the scooter registration number or manually select the correct Honda Dio variant and manufacturing year.
Step 4: Select Suitable Coverage
Comprehensive insurance is usually recommended because it provides broader protection against accidental damage, theft, and natural calamities.
Step 5: Make Online Payment
After selecting the policy and add-ons, complete the payment securely online.
Step 6: Download Policy Documents
Once payment is completed successfully, the insurance policy is issued digitally and can be downloaded instantly.
Honda Dio Two Wheeler Insurance Claim Process
Filing a claim for your Honda Dio bike insurance is usually simple when the correct process is followed.
Step 1: Inform the Insurer
Notify the insurer immediately after an accident, theft, or insured damage incident.
Step 2: Register the Claim
Provide policy details, incident information, and photographs if required.
Step 5: Submit Required Documents
Documents generally required include RC copy, driving licence, policy copy, repair estimate, and FIR for theft or major accidents.
Step 6: Claim Settlement
After successful verification, the insurer processes the claim according to policy terms and approved coverage.
Disclaimer: *Premiums starting from ₹457 are indicative for third-party bike insurance for select models and may vary based on vehicle specifications, location, and insurer.
