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The TVS Jupiter 125 is a practical 125cc scooter designed for everyday commuting, combining comfortable ergonomics with useful storage and modern features. A valid bike insurance policy protects you against financial liabilities arising from accidents and third-party damage. While third-party insurance is mandatory for riding on public roads in India, a comprehensive policy can also cover damage to your own TVS Jupiter 125.
With four variants currently available, including the feature-rich DT SXC and SmartXonnect versions, the Jupiter 125 offers different equipment levels depending on the variant.
| Bike Model | IDV [1st Year] | Zero Depreciation | Net Premium [5 Years] |
|---|---|---|---|
| Jupiter Drum Alloy Wheel 125 CC | ₹54,365 | ₹271.82 | ₹6,420 |
| Jupiter 125 DT SXC | 125 CC | ₹76,713 | ₹131 | ₹6,461 |
| Jupiter Disc Alloy Wheel | 125 CC | ₹57,170 | ₹285.85 | ₹6,482 |
Note: The insurance premium for a TVS Jupiter 125 depends on factors such as the policy type, IDV, registration location, age of the scooter, claim history and selected add-ons. Third-party insurance generally costs less because it covers third-party liabilities, while comprehensive insurance also protects the insured scooter against specified damages.
The 2026 TVS Jupiter 125 is available in Drum Alloy, Disc, DT SXC and SmartXonnect variants. Current ex-showroom prices vary by variant and location, with the latest listings placing the range at roughly ₹81,100 to ₹89,935 in Delhi. Prices can change based on location and manufacturer revisions.
| Specification | Details |
|---|---|
| Engine | 124.8cc, single-cylinder, air-cooled |
| Maximum power | 6.0 kW @ 6,500 rpm; up to 6.3 kW with Assist |
| Maximum torque | 10.5 Nm @ 4,500 rpm; up to 11.1 Nm with Assist |
| Transmission | CVT automatic |
| Kerb weight | 108 kg |
| Seat height | 765 mm |
| Wheelbase | 1,275 mm |
| Ground clearance | 163 mm |
| Fuel tank capacity | 5.1 litres |
| Under-seat storage | 33 litres |
| Front glove box | 2 litres |
| Front tyre | 90/90-12 tubeless |
| Rear tyre | 90/90-12 tubeless |
The Jupiter 125 uses TVS's ET-Fi technology and iGO Assist technology, with the latter providing automatic start-stop functionality and additional assistance during acceleration. The top SmartXonnect variant also offers connected features such as navigation with voice assist, call and social-media alerts, distance-to-empty information and ride statistics.
Several factors determine how much you pay for insurance:
Comprehensive insurance generally costs more than third-party-only cover because it includes own-damage protection.
A higher Insured Declared Value can increase the premium but provides a higher maximum claim amount for theft or total loss.
Premiums can vary depending on the city or area where the scooter is registered.
The premium and IDV generally change as the vehicle gets older.
A claim-free record may make you eligible for an NCB discount on the own-damage portion of the policy.
Covers such as Zero Depreciation, Engine Protection and Roadside Assistance can increase the premium.
Choosing a voluntary deductible can reduce the premium, although you will contribute more towards an admissible claim.
| Covered | Not Covered |
|---|---|
| Third-party injury, death or property damage liability | Normal wear and tear, ageing and corrosion |
| Damage to the scooter caused by insured events | Mechanical or electrical breakdowns unless covered by an add-on |
| Theft of the scooter, subject to applicable IDV and policy terms | Riding without a valid driving licence |
| Damage caused by floods, storms, earthquakes and landslides | Accidents caused while riding under the influence of alcohol or drugs |
| Damage caused by fire, explosion or lightning | Damage occurring after the policy has expired |
| Specified losses due to riots, vandalism and other man-made events | Consequential or indirect financial losses |
| Accidental death or permanent disability under owner-driver personal accident cover | Damage caused by using the scooter outside the permitted policy terms |
| Cashless repairs at the insurer's network garages, subject to approval | Claims involving fraudulent information or deliberate damage |
The Insured Declared Value is the amount used by the insurer to determine the maximum payable for situations such as theft or total loss. For a new scooter, the IDV is linked to its applicable vehicle value and depreciation is subsequently considered as the scooter ages.
Choosing an IDV that reasonably reflects the market value of your Jupiter 125 is important. A very low IDV may reduce the premium but can also reduce the amount payable in a total-loss or theft claim.
You can buy or renew insurance online by following these steps:
Provide the registration number or select TVS Jupiter 125 and enter the required vehicle details.
Review third-party, standalone own-damage and comprehensive options.
Select the IDV and any add-ons that match your requirements.
Check the premium, coverage, exclusions, deductibles and policy duration.
Complete the payment using an available payment method.
The policy document is issued digitally after successful payment.
For renewal, check your existing policy details, verify the NCB, review the IDV and update the coverage if your requirements have changed.
If your scooter is damaged, inform the insurer as soon as possible and register the claim through the insurer's available channels. For a cashless claim, take the scooter to an authorised network garage after following the insurer's claim procedure. The insurer may inspect the vehicle before approving repairs.
For reimbursement claims, you may have to pay the repair bill first and submit the required documents and original bills for reimbursement of the admissible amount.
Commonly required documents include the insurance policy, Registration Certificate, driving licence, claim form and repair bills. An FIR may also be required for theft or certain other incidents.
A comprehensive bike policy can be useful if you want protection beyond the legally required third-party cover. It can help with repair expenses following covered accidents, theft and specified natural or man-made events. This can be particularly useful for higher variants such as the DT SXC and SmartXonnect, which come with additional technology and equipment.
You can also select relevant add-ons based on how and where you ride. For example, Zero Depreciation can be considered for a newer scooter, while Roadside Assistance may be useful for frequent commuters.
Disclaimer: Insurance premiums, coverage, add-on availability, IDV and claim conditions vary between insurers. Vehicle prices and specifications may also change. Always check the latest insurer policy wording and TVS Motor's current specifications before purchasing or renewing insurance.
Yes. A valid third-party motor insurance policy is mandatory when riding the TVS Jupiter 125 on public roads in India.
The premium depends on the policy type, IDV, registration location, scooter age, NCB, insurer and selected add-ons. Therefore, there is no single fixed insurance price for every Jupiter 125.
Comprehensive insurance can be considered if you want protection for both third-party liabilities and damage to your own scooter. The right policy depends on your coverage needs and budget.
Yes, theft is generally covered under comprehensive insurance. If the scooter is stolen and not recovered, the insurer may settle the claim up to the applicable IDV, subject to the policy terms.
Mileage depends on riding conditions, traffic, riding style and maintenance. Current listings cite an ARAI mileage figure of around 50 kmpl, while real-world mileage can differ.
The current lineup includes Drum Alloy, Disc, DT SXC and SmartXonnect variants. The DT SXC adds SmartXonnect functionality and dual-tone styling between the Disc and top SmartXonnect variants.
