Indian Two Wheeler Insurance

Indian Motorcycle International LLC is an American brand established in the year 1901. The company began its journey in Western England in the year 1901 as Hendee Manufacturing Company. During the year 1928 the company was renamed as The Indian Motorcycle Manufacturing Company. After a successful journey during year 1901 to 1953, the company was bankrupt by 1953. It was only in the year 2011 that Polaris successfully ventured through Indian Motorcycle.

The company now operates as a subsidiary of Polaris. However, the brand name has been retained as ‘Indian’. It was through Polaris that the Indian Motorcycle was established in India. The company has majorly manufactures in the premium and cruiser segment of motorcycles.

Best Indian Two Wheeler Models with Bike Insurance Price

Presently, Indian Motors is offering three bikes in India. Below are Indian two wheeler Insurance premium rates for the top 5 Indian Bikes:

Indian Bike Models(2019 Registration) Indian Model Variant Insured Declared Value Zero Depreciation Net Premium More Plans
Indian Scout
STD 1133 CC
₹ 8,18,370
₹ 4,508
₹ 7,325*
Indian Chief Classic
STD 1811 CC
₹ 19,87,650
₹ 10,948
₹ 17,790*
Indian Chief Dark Horse
STD 1811 CC
₹ 14,57,049
₹ 8,025
₹ 13,041*
Indian Chieftain
STD 1811 CC
₹ 22,47,840
₹ 12,381
₹ 20,119*
Indian FTR 1200
1203 CC
₹ 1,10,249
₹ 607
₹ 987*

Disclaimer: The above Indian bike insurance premium rates may change as per the Indian bike model, variant, fuel type, place of registration, year of registration, policy type, IDV and Add-on covers chosen.


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Add-ons For Your Bike Insurance

Zero Depreciation- This add-on is for the repair or replacement expenses of plastic, rubber, glass, and other materials that standard policies would otherwise not cover.

NCB Cover - No-Claim Bonus is a discount in premium offered by insurance providers to policyholders who have not made a single claim during the term of the two wheeler insurance policy.

ENGINE PROTECTION- This add-on is for the times when the monsoons are at their destructive worst, and leave your bike engine vulnerable to flooding.

Own Damage- Your responsible driving skills are rewarded with a bonus of upto 50% on your premium, for every consecutive claim-free year. Now isn't that a treat?.

Why Is It Important to Have Indian Bike Insurance Through Coverfox?

  • Covers for any damages/losses caused to the third party
  • Coverage upto the insured declared value in case of theft or
  • Comprehensive coverage for your own two wheeler.
  • Benefits of cashless transactions through network garages.

Its Simple and Instant

Essential Information about Insurance for your Indian Bike

Third-party Liability Insurance:

  • Covers bodily injury and /or death of third party
  • Property damage to third party

Comprehensive Coverage

  • Third-party coverage
  • Loss and damage to the vehicle due to accident, theft, natural calamities, etc.
  • Personal accident cover for the occupants

What is Covered under a Comprehensive Indian Bike Insurance?

  • Loss or damage caused by natural calamities
  • Total loss because of fire, explosions or an act of terror
  • Total loss because of theft
  • Own-damage cover
  • Personal accident cover

Its Simple and Instant

What is not Covered under a Comprehensive Indian Bike Insurance?

  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle also damaged)
  • Driver without a Valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the vehicle is used for any illegal purpose
  • Vehicle is used for Hire or Reward, Carriage of Goods, Organised Racing, Pace Making, Speed Testing, Reliability Trials
  • Usage outside geographical limits
  • Nuclear Wars and Perils

Its Simple and Instant

Frequently Asked Questions

  • Q. My Indian insurance has already expired. Is vehicle inspection mandatory?
    • Yes it is mandatory- Fix up an appointment for the inspection of your Indian bike. Do note; this can invite a nominal fee. If the insurance company chooses to offer you the coverage, you can make the payment and get the policy in hand. However, if you are lucky enough, inspection may not be mandatory.

  • Q. How does NCB work in case I buy a second-hand bike? Will I get No-Claim Bonus?
    • As a new owner it’s your obligation to get the existing two-wheeler insurance transferred in your name within the specified period from the date of transfer of RC. If you fail to do so and if you require raising a claim, the same will not be honored. For a favorable claim, the title on the RC of the two-wheeler and the insurance documents has to match. Also, please understand that the current owner can carry forward his existing No Claim Bonus (NCB) with him. He can use it to seek the premium discount if he purchases a new bike in future. Likewise, as a new owner, you will have to earn this bonus with each claim-free year. You can win a maximum of 50% discount on your own-damage premium with NCB.

  • Q. Is an online policy valid?
    • Yes-an online policy is very much valid. You can also renew your Indian bike insurance policy with a debit/credit biked or even through net banking. Although, for expired policies you will have to contact us for an offline renewal process.

  • Q. Should I opt for a single year insurance plan or a long-term insurance plan?
    • You should opt for a long-term or multi-year two-wheeler insurance plan for your Indian bike to enjoy pure convenience and be completely stress-free. You can save on premiums, eliminates the hassles of yearly renewals, skip the paperwork and avoid the gap in coverage since you are insured for an extended period.

  • Q. Will I get reminder for policy renewals if I buy from
    • Yes, you will receive reminders via SMS and email on renewals if you have bought the policy from

  • Q. How is third-party insurance different from comprehensive two wheeler insurance?
    • The third party bike insurance only covers your legal liability for any loss and damages to third party because of your bike. It will not cover you or your bike for any damages suffered. Whereas, a comprehensive bike insurance will cover your bike from instances of theft, fire and vandalism. It also protects from natural disasters such as cyclone, floods, earthquakes, or from civil disturbances such as riots, which damages your bike. A list of what perils are covered will be provided in the policy document. Make sure you go through the list to understand the protection being offered. Along with this, it also covers any legal liability arising due to the damages caused to any third party triggered by your bike.

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