TVS Bike Insurance

TVS Motor Company is one of the most trusted two-wheeler manufacturers in India and globally, known for its innovative technology, reliability, and affordability. TVS Motor Company was established in 1911 by T. V. Sundaram Iyengar, and today employs about 16,239 people (permanent + non‑permanent) as of FY 2023‑24 according to financialexpress. From daily-use scooters like TVS Jupiter to sporty motorcycles like Apache RTR and the flagship Apache RR 310, TVS bikes cater to every rider’s needs. To safeguard these machines, it’s essential to secure them with the right two wheeler insurance policy for your TVS bike.

A valid two wheeler insurance policy ensures compliance with the Motor Vehicles Act and protects you from unexpected expenses caused by accidents, theft, or damages. With TVS bike insurance online, you can enjoy peace of mind while riding, knowing your bike and finances are well-protected.

TVS offers a diverse portfolio of two-wheelers, each catering to a specific segment of riders. To help you get an idea of the TVS bike insurance price, here’s a quick look at some popular TVS models with their estimated insurance premium (first-year IDV and 5-year package plan):

Disclaimer: The above figures are estimates including Own Damage, Third Party, and Personal Accident Cover. Premiums vary by model, location, and add-ons chosen.

While a standard insurance plan offers essential protection, opting for add-ons can enhance coverage and safeguard the advanced parts and technology your bike comes with. Here are some recommended add-on covers for TVS two-wheelers:

Zero Depreciation Cover

Ensures that claim settlements are made without factoring in depreciation, especially valuable for bikes with costly fibre and alloy parts.

Return-to-Invoice (RTI) Cover

Provides full reimbursement of the bike’s invoice value, including road tax and registration, in case of theft or total loss.

Engine Protection Cover

Crucial for liquid-cooled and performance-oriented TVS engines, covering damage due to water ingress, oil leakage, or hydrostatic lock.

NCB Protection

Allows you to retain your No Claim Bonus even after raising a claim, ensuring continued savings on future premiums.

Roadside Assistance

Offers 24x7 support for breakdowns, towing, flat tyres, or emergencies, making it an essential add-on for long or frequent rides.

Personal Accident Cover

A mandatory add-on that provides financial security to the rider in case of accidental injury or unfortunate death.

With the right add-ons, your TVS bike insurance policy becomes a comprehensive shield, ensuring maximum protection and peace of mind every time you hit the road.

TVS has built its reputation on innovation and convenience, and buying or renewing insurance online mirrors that same spirit. Instead of dealing with paperwork or delays, you can secure your TVS bike insurance policy online with just a few clicks from Coverfox.

• Compare top insurers online to secure the most competitive TVS bike insurance price.


• Unlock exclusive online discounts and enjoy significant savings on your premium.


• Renew your TVS bike insurance in just a few minutes, ensuring uninterrupted coverage and preserving your valuable No Claim Bonus (NCB).


• Personalize your policy with add-ons like Zero Depreciation, Engine Protection, and Roadside Assistance for complete peace of mind.


• Access hassle-free cashless repairs at hundreds of authorized TVS garages nationwide, guaranteeing genuine spare parts and expert service.


• Get your policy issued instantly in digital format - no lengthy paperwork, no delays.


• For quick assistance, you can always connect with us at help@coverfox.com or call 022 4897 1018.

When you buy or renew a TVS bike insurance policy, it’s important to know what is covered and what is not. This helps avoid surprises at claim time and ensures you choose the right plan and add-ons for your riding style.

Inclusions in TVS Bike Insurance Policy

The following are covered under a bike insurance policy.

Third-party liabilities

Covers injury, death, or property damage caused to a third party by your TVS two-wheeler.

Own damage (OD) cover

Protection against accidental damages to your bike in case of collision or mishap.

Fire and explosion

Compensation if your TVS bike is damaged due to fire, self-ignition, or explosion.

Theft cover

Provides financial protection if your TVS bike is stolen.

Natural calamities

Covers damages from floods, earthquakes, cyclones, storms, or other natural disasters.

Man-made calamities

Protection against riots, strikes, vandalism, or malicious acts.

Personal accident cover

Mandatory cover offering financial compensation in case of accidental injury or death of the owner-rider.

Add-on benefits (if opted)

Such as Zero Depreciation, Roadside Assistance, Engine Protection, and Return-to-Invoice (varies by policy).

Exclusions in TVS Bike Insurance Policy

The following are not covered under a bike insurance policy.

Regular wear and tear

Depreciation, mechanical or electrical breakdowns not caused by an accident.

Riding without a valid licence

Claims will be rejected if the rider does not hold a valid driving licence.

Drunk driving or intoxication

Accidents under the influence of alcohol or drugs are excluded.

Commercial use without disclosure

Using a privately insured TVS bike for commercial purposes is not covered.

Riding without valid documents

If RC, insurance, or pollution certificate is invalid/expired at the time of accident.

Damages outside India

Unless you’ve opted for a coverage extension for international use.

Non-disclosure or fraud

Suppressing facts, providing false information, or fraudulent claims will lead to rejection.

Consequential damages

For example, riding after an accident and worsening the damage.

Purchasing or renewing your TVS bike insurance policy online is quick, secure, and hassle-free. Here’s how you can do it step by step:

1. Visit the Coverfox website and go to the two-wheeler insurance section, where you can easily begin the process.


2. Enter your bike details such as registration number, model/variant of your TVS bike, and select the RTO location This helps fetch accurate quotes and determine the right coverage.


3. Compare multiple insurance plans including third-party liability, standalone own-damage (OD), and comprehensive coverage to see which one fits your needs and budget.


4. Customize your policy with useful add-ons like Zero Depreciation, Return-to-Invoice (RTI), or Engine Protection to enhance protection for your TVS motorcycle.


5. Select the most suitable plan that offers the best balance between premium cost and coverage benefits.


6. Pay online securely through available payment options and receive your insurance policy instantly via email in digital format.

Renewing your TVS bike insurance on time is equally important, as it ensures continuous protection, helps you avoid penalties, and lets you retain your No Claim Bonus (NCB) for future savings.

Raising a claim under your TVS bike insurance policy is designed to be quick and transparent, whether it’s for accidental damage, theft, or natural calamities. Knowing the right steps ensures faster approval and hassle-free settlement.

Cashless Insurance Claim Settlement for TVS Bike

• Inform your insurer immediately after any accident, theft, or damage to your TVS bike.


• Take your vehicle to an authorised TVS cashless network garage for repairs.


• Submit essential documents including your insurance policy, RC, driving license, and a duly filled claim form.


• The insurer’s surveyor inspects the vehicle and approves the estimated repair cost.


• Repairs are completed at the garage, and the insurer directly settles the bill, leaving you to pay only the deductibles or non-covered charges.

Reimbursement Insurance Claim Settlement for TVS Bike

• Register the claim and get your TVS bike repaired at any garage of your choice.


• Pay the repair costs upfront and collect all original bills and invoices.


• Submit the claim form along with RC, DL, insurance policy, and FIR (if required).


• Once verified, the insurer reimburses the approved claim amount directly to your bank account.

Documents Required for TVS Bike Insurance Claim

• Copy of your valid TVS bike insurance policy


• Registration Certificate (RC) of the bike


• Driving Licence of the rider


• Duly filled claim form


• Original repair bills/invoices


• FIR (mandatory for theft or major third-party accidents)

By following these steps carefully, you can ensure a smooth and stress-free claim experience for your TVS bike insurance, keeping your ride protected without unnecessary delays.

TVS has an active product pipeline for 2025 aimed at expanding its electrified, commuter and premium line-ups. New launches - ranging from CNG/electric versions of proven scooters to higher-cc performance models and BTO/special editions - will influence buyer choice and also affect insurance considerations (IDV, premium, add-ons). Below are the TVS models that industry outlets and bike portals were tracking for 2025, with their reported or expected ex-showroom price bands and the tentative launch window.