The TVS Apache RTR 160 is one of the most popular 160cc motorcycles in India, known for its sporty performance, aggressive styling, and reliable build. It is powered by a 159.7 cc SI, 4-stroke, air-cooled engine, paired with a manual transmission, delivering a maximum power of 15.53 PS @ 8400 rpm. The bike offers an impressive mileage of 45 kmpl, a fuel tank capacity of 12 litres, a kerb weight of 139 kg, and a load capacity of 130 kg. Advanced features such as single-channel ABS, Glide Through Technology (GTT), and SmartXonnect (available in the 4V variant) make this TVS model ideal for both daily commutes and spirited rides.
Owning such a performance motorcycle also means securing it with the right two wheeler insurance policy. Insurance not only fulfills the legal requirement but also protects you against expenses related to accidents, theft, fire, or natural calamities. A third-party Apache RTR 160 insurance plan ensures compliance with Indian Motor Laws, while a comprehensive insurance policy provides all-round protection for your bike as well as third-party liabilities. With rising repair and spare part costs, choosing the right insurance for TVS Apache RTR 160 ensures peace of mind and financial safety.
Disclaimer: The above mentioned prices are for a 2 year old Hero Honda Karizma R 223 CC, registered in Navi Mumbai & previous policy has expired.
The insurance price for TVS Apache RTR 160 depends on the bike’s variant, IDV (Insured Declared Value), add-ons, and rider profile. Below are estimated premiums on Coverfox platform for popular RTR 160 variants:
| TVS Apache RTR 160 Variant | Insured Declared Value [1st Year IDV] | Total Insurance Premium [5-Year Tenure] |
|---|---|---|
| RTR 160 Drum | ₹94,028 | ₹11,709 |
| RTR 160 Disc | ₹68,287 | ₹10,422 |
| RTR 160 Dual Disc | ₹1,14,861 | ₹10,717 |
| RTR 160 4V Drum | ₹77,525 | ₹10,481 |
| RTR 160 4V Disc | ₹77,525 | ₹10,481 |
Disclaimer: The above TVS Apache RTR 160 insurance prices include Own Damage, Third Party, and Personal Accident Cover with GST. Premiums may vary depending on the variant (RTR 160 or 160 4V), add-ons (Zero Depreciation, RTI, Engine Protection), location, and insurer terms.
When buying or renewing Apache RTR 160 bike insurance, you can choose from the following:
Third party bike insurance is the most basic and mandatory policy under Indian law. It covers injury, death, or damage caused to a third-party person, vehicle, or property by your TVS Apache RTR 160.
If you already have third-party coverage, you can enhance protection with a standalone own damage bike insurance policy. This covers your RTR 160 against accidents, theft, fire, vandalism, and natural disasters. It’s perfect for riders who want to secure their own bike without buying a full comprehensive plan.
Comprehensive two wheeler insurance policy combines third-party and own-damage coverage, offering complete protection for your RTR 160. It also allows add-ons like Zero Depreciation and Roadside Assistance. Though the RTR 160 comprehensive insurance price is higher, it provides full peace of mind and is highly recommended.
To maximize protection, enhance your Apache RTR 160 insurance with these add-ons:
Ensures full claim settlement without deductions, especially useful for Apache RTR 160 parts.
Covers the full invoice value of your bike, including road tax and registration, in case of theft or total loss.
Safeguards the two wheeler engine from water damage, oil leaks, or hydrostatic lock.
Helps you retain your No Claim Bonus even after a claim.
This two wheeler insurance add on offers financial security in case of injury or death.
Immediate help during breakdowns, flat tyres, or fuel shortages while riding your RTR 160.
These add-ons make your RTR 160 insurance policy more comprehensive and future-proof.
Buying RTR 160 insurance online is fast, transparent, and affordable. With Coverfox, you can:
For riders who want convenience and savings, Coverfox makes buying or renewing Apache RTR 160 bike insurance effortless.
Buying or renewing TVS RTR 160 bike insurance online is quick and hassle-free.
Renewing your Apache RTR 160 insurance online ensures uninterrupted protection and helps retain your NCB benefits.
Filing a bike insurance claim for TVS RTR 160 is a simple and hassle-free process when you follow the right steps. Whether it’s an accident, theft, or damage, insurance policy ensures quick financial protection and repair support.
Owning a high-performance bike like the TVS Apache RTR 160 doesn’t have to mean high insurance costs. Here are practical tips to lower your insurance price:
Make zero claims during your policy period to earn rewards on your next TVS Apache RTR 160 insurance renewal. A higher NCB can significantly reduce your premium.
Use online platforms to review multiple plans from top insurers. Comparing RTR 160 insurance prices ensures you get the best coverage at budget-friendly rates.
Abiding by traffic laws and avoiding accidents or violations not only keeps you safe but also helps in maintaining a lower insurance premium.
Paying for minor repairs out of pocket instead of claiming small amounts ensures your NCB remains intact and helps keep future insurance premiums low.
Routine servicing and proper maintenance to prevent breakdowns and accidents, ultimately protecting your bike and keeping insurance costs manageable.
The average TVS Apache RTR 160 insurance price depends on the variant, Insured Declared Value (IDV), and location. A third-party policy is generally more affordable, while a comprehensive policy with add-ons offers broader coverage.
The IDV is based on the current market value of your bike minus depreciation. A correct IDV ensures fair settlement of Apache RTR 160 insurance claims.
It covers third-party liabilities, theft, fire, and damages due to accidents or natural disasters. With add-ons, your Apache RTR 160 insurance can also cover the engine, roadside assistance, and more.
Exclusions include wear & tear, electrical/mechanical breakdowns, drunk driving, riding without a licence, and damages outside the geographical area. These apply to both Apache RTR 160 and Apache RTR 160 4V insurance policies.
Yes. The Zero Depreciation add-on ensures full claim value without depreciation deductions on fiber, plastic, or metal parts – highly recommended for RTR 160 owners.
Yes. Submit the updated RC, transfer papers Apache RTR 160 and get the insurer approval to complete the insurance transfer process.
Yes. Platforms like Coverfox allow instant purchase and renewal of RTR 160 bike insurance with policy documents delivered digitally.
