TVS Flame Insurance

TVS Flame is a 125 CC commuter bike that was launched in 2008. At the time it was one of the most feature-pack motorcycles. It was one of the first Indian motorcycles to introduce a 3-valve engine. It was discontinued in 2012, but still you can see one or two Flames running around even today. Discontinued or not, in order to ride on Indian roads, you need to have a third-party motorcycle insurance policy as per the Motor Vehicle Act 1988. So, let’s see how insurance works for TVS Flame.

Here is why you should get TVS Flame Bike Insurance online:

• Legal Requirement

As per the law under Motor Vehicle Act 1988, you should have at least a third-party bike cover in order to ride on public roads. Also, having insurance makes sure you do not get unnecessary fines or challans.

• Peace Of Mind

While riding on the road you do not have to worry about repair costs, liabilities arising from an accident or any other damages, instead all you have to do is focus on the road. Because, motorcycle insurance will cover damages for you in case of an accident.

• Theft Risk

Bike Insurance provides compensation in case your TVS Flame gets stolen. You will get the IDV of your bike as per your bike insurance policy in case of a theft.

• Natural Disaster

In case of natural calamities like flood, earthquake, storm, hurricane, etc any damages that incurred to your TVS Flame will be covered by two-wheeler insurance.

• Man-made Hazards

Fire, explosions, riots, vandalism, etc can cause damage to your TVS Flame. In such an event, bike insurance ensures your financial security, providing cover for any damages incurred.

• Easy Claim Process

There are 2 ways you can make a claim for your TVS Flame. One is a cashless claim through a network garage and another is through reimbursement. If you require any help, you can contact Coverfox support for the best experience during your claims.

• Compare Policies and Discounts

Buying bike insurance online helps you compare different insurers at the same place. Choose what suits best in your budget. Also, many times you get discounts and NCBs while buying bike insurance online.

Let us look over different TVS Flame variants and their prices:

NOTE: Ex-showroom prices are subject to location and dealership.

1. Third-party bike insurance

This is the mandatory type of bike insurance to have in order to ride on public roads. It covers any damages or liabilities towards a third party that has arisen from an accident caused by the policyholder’s vehicle.

2. Comprehensive bike insurance

This is the best type of bike insurance as it covers both own damage and third-party damages. It gives an all round protection of your bike and can be customisable with add-ons. It is expensive, but helps you protect your TVS Flame entirely financially.

3. Standalone bike insurance

This type of bike insurance covers any damages done to your own vehicle in case of an accident. It does not cover any damages done to a third party, meaning, you should have a third-party insurance policy before buying standalone or own-damage bike insurance. Own-damage bike insurance is generally bought to save money, and buy third-party insurance from another insurer.

These inclusions are covered under a TVS Flame bike insurance policy:

• Third-Party Liability Cover


• Own-Damage Cover


• Damages Covered as per Add-ons


• Damages due to Natural Calamities


• Damages due to Man-Made Hazards


• Personal Accident Cover

The exclusions are not covered under TVS Flame bike insurance policy:

• Normal wear and tear


• Electrical or mechanical breakdowns


• Damage to Tyres (unless vehicle also damaged)


• Driver without a valid driving licence


• 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

These add-ons help customise and enhance your protection in TVS Flame bike insurance:

• Zero depreciation policy


• NCB protection policy


• Engine cover policy


• Passenger policy


• Invoice cover


• 24x7 Roadside assistance cover


• Consumable cover


• Personal accident cover

If you wish to Buy TVS Flame insurance online, follow these steps:

1. Visit Coverfox website
2. Head over to Insurance > Two-wheeler Insurance Tab
3. Click on Bought a new bike
4. Select TVS
5. Select Flame
6. Select the variant you want insurance for
7. Add registration details
8. Select Add-ons
9. Compare and choose an insurer
10. Pay through online gateway and receive the policy at your email

To renew TVS Flame bike insurance, follow these steps

1. Visit Coverfox website
2. Head over to Insurance > Two-wheeler Insurance Tab
3. Enter your TVS Flame registration details
4. Enter your policy expiry date
5. Click on “get quotes”
6. Select the new insurer or existing insurer for your bike
7. Pay through online gateway
8. Received the renewed policy at your email address

If your old policy is from Covefox then:

1. Head over to Coverfox website Two-wheeler insurance page
2. Click on “Renew here”
3. Enter your mobile number to login or use your old policy number
4. Select the new policy that fits your need
5. Pay online through the secured payment gateway

Documents Required to Buy/Renew TVS Flame Bike Insurance Policy

• Proof of purchase of the two wheeler (In case of new vehicle)


• Registration Certificate (RC)


• ID proof


• Address proof


• Driving Licence (DL)


• Previous Insurance policy (Incase of Renewals)

Follow these steps to file a claim for TVS Flame bike insurance:

1. Contact your insurance company at the earliest and inform them about the incident
2. Lodge an FIR if required (In case of theft or severe accidents)
3. Evaluate the damage done through a garage (preferably an authorized garage by your insurance company)
4. Pay the service centre and apply for reimbursement
5. After filling in the necessary forms, submit the required documents
6. After proper verification, you will be reimbursed for the claim amount decided
7. Coverfox also offers excellent customer support if required

Documents Required for Filing TVS Flame Bike Insurance Claim Are

• Duly signed claim form


• Copy of valid vehicle Registration Certificate (R.C.)


• Copy of valid Driving Licence (D.L.)


• Copy of first two pages of policy document


• FIR for accidental damage


• Original repair bill, cash receipt, and proof of release.