India's electric vehicle revolution has a name that stands apart from the crowd - Ultraviolette Automotive. If you own an Ultraviolette motorcycle, you are not just riding a bike; you are piloting one of the most advanced, performance oriented electric two-wheelers ever made in India. And just like the machine itself demands precision engineering, the electric bike insurance that protects it deserves the same level of thought. Ultraviolette bike insurance is not merely a legal formality - it is the financial shield that keeps your high-performance EV protected on every ride.
Ultraviolette Automotive is a Bengaluru-based electric motorcycle manufacturer that has redefined what Indian engineering is capable of. Founded in 2016 by Narayan Subramaniam (CEO) and Niraj Rajmohan (CTO), the company spent nearly six years in rigorous research and development before launching its debut product - the F77 - in October 2022. Backed by TVS Motor Company among other investors, Ultraviolette has quickly earned the unofficial title of the 'Tesla of India' in the two-wheeler segment.
The company's design philosophy is rooted in aerospace and aviation aesthetics, blending aggressive styling with intelligent technology. Every motorcycle in its lineup is built from the ground up with performance, connectivity, and rider experience at the core. The tagline 'We Don't Wait For The Future. We Create It' is not just marketing - it is a lived mission reflected in every model they have produced.
| Bike Model | IDV [1st year] | Zero Depreciation | Own Damage | Net Premium [5 Years] |
| F77 Mach 2 Std | ₹2,69,848 | ₹484 | ₹1,451 | ₹18,743 |
| F77 Mach 2 Recon | ₹3,60,098 | ₹646 | ₹1,937 | ₹19,508 |
| F77 Recon | ₹4,10,638 | ₹736 | ₹2,209 | ₹19,935 |
| F77 STD | ₹2,70,750 | ₹485 | ₹1,457 | ₹18,751 |
Disclaimer: Premium and coverage details are subject to the insurer's terms and conditions. Please read the policy wording carefully before purchase.
Ultraviolette currently offers a diverse and growing lineup of electric two-wheelers:
The flagship faired sportsbike, available in Standard and Recon variants. The Recon variant packs a 10.3 kWh battery with a claimed IDC range of 323 km. Priced starting at Rs 2.99 lakh, it competes with the KTM RC 390 in the performance bracket.
A street-friendly version of the Mach 2 with a more upright riding posture, ideal for daily urban commuting without compromising on performance.
A road-biased electric adventure motorcycle priced from Rs 2.49 lakh, designed for versatility across city streets and slightly rough patches. The Desert Wing limited edition comes with the UV Care Max warranty scheme.
India's first electric dual-sport motorcycle, priced at Rs 1.75 lakh (introductory Rs 1.49 lakh), combining off-road capability with everyday practicality.
Ultraviolette's first electric scooter, available in 3.5 kWh, 5 kWh, and 6 kWh variants. It crossed 70,000+ pre-bookings at launch.
India's first electric superbike with active aerodynamics, having already set the fastest quarter-mile record (10.712 seconds) and a top speed of 258 km/h in the India Book of Records.
Owning an Ultraviolette motorcycle means owning one of the most premium electric two-wheelers in India. With ex-showroom prices ranging from Rs 1.49 lakh to Rs 4.49 lakh, these bikes represent a significant financial investment. Under the Motor Vehicles Act of 1988, having at least a third-party insurance policy is mandatory for all two-wheelers including electric motorcycles. However, for a vehicle this sophisticated, a two wheeler insurance is strongly recommended.
This is the legally required minimum. It covers financial liability if your Ultraviolette causes bodily injury, death, or property damage to a third party. It does not cover damage to your own motorcycle. IRDAI regulates third-party premiums based on the motor's kilowatt (kW) rating - Ultraviolette bikes, with motors ranging from 10.81 kW (Shockwave) to 30.2 kW (F77 Mach 2), fall in different premium brackets accordingly.
A standalone own-damage policy covers your Ultraviolette against damage caused by accidents, fire, natural calamities, theft, man-made incidents, and damage during transit. It does not cover third-party liabilities.
The gold standard for Ultraviolette owners - this combines third-party liability and own-damage cover. It ensures all-round financial protection whether your bike is damaged in a collision, vandalized, struck by lightning, or stolen. Given the premium pricing of Ultraviolette motorcycles, comprehensive insurance is the most prudent choice.
Accidental damage
Repairs or replacements arising from road accidents or collisions
Theft
Financial compensation if your Ultraviolette is stolen and a Non-Traceable Certificate is issued
Fire damage
Losses due to accidental fire or self-ignition
Natural calamities
Floods, cyclones, earthquakes, hailstorms, landslides
Third-party liability
Injuries, death, or property damage caused to a third party
Personal accident cover
Compensation for bodily injury to the owner-rider
In-transit damage
Damage while the bike is being transported
Riding under the influence of alcohol or drugs
Riding without a valid driving licence
Consequential damages not directly caused by the accident
Contributory negligence (e.g., riding through a flood against manufacturer guidelines)
Normal wear and tear or mechanical/electrical breakdown
Damage when the policy has lapsed
Because Ultraviolette motorcycles are high-tech electric vehicles with complex battery packs, motor controllers, and charging systems, standard two-wheeler insurance add-ons may not be enough. Here are the most relevant add-ons for Ultraviolette owners:
This is arguably the most critical add-on for any Ultraviolette owner. It covers loss or damage to the battery pack, electrical panel, vehicle charger, and charging station components. Given that an Ultraviolette Recon variant's 10.3 kWh battery is one of the most expensive components in the bike, this add-on provides essential protection.
At the time of a claim, insurers typically deduct depreciation on parts. Zero depreciation (also called Nil Depreciation or Bumper-to-Bumper cover) waives this deduction, ensuring you receive the full repair cost without depreciation cuts. Strongly recommended for premium Ultraviolette models.
If your Ultraviolette runs out of charge mid-ride, suffers a flat tyre, or breaks down, RSA ensures 24/7 emergency support including towing, on-site minor repairs, and battery charging assistance. Given India's still-developing EV charging infrastructure, this add-on is highly practical.
In the event of total loss or theft, RTI ensures you receive the full invoice value of your motorcycle, rather than the depreciated Insured Declared Value (IDV). For bikes priced at Rs 3-4 lakh, this can make a substantial financial difference.
Covers expenses for consumable items like engine oil, coolant, nuts, bolts, and similar parts used during repair - which are typically excluded from standard policies.
Covers the cost of replacing your electronic key fob or smart lock system in case of theft or damage - a relevant concern for tech-forward bikes like the Ultraviolette.
Extends personal accident coverage to your pillion rider, not just the owner-driver.
| Zero Depreciation Cover | No Claim Bonus Cover | Roadside Assistance Cover |
| Return to Invoice Cover | Consumables Cover | Engine Protection Cover |
| Passenger Assistance Cover | Personal Accident Cover |
Buying bike insurance for your Ultraviolette motorcycle online is quick and convenient. Follow these simple steps:
Visit the insurer's website or an insurance comparison platform.
Enter your Ultraviolette bike model and registration details.
Choose the type of insurance plan - Third-Party, Own Damage, or Comprehensive.
Select suitable add-ons such as Zero Depreciation, Battery Cover, and Roadside Assistance.
Compare premium quotes and coverage benefits from different insurers.
Complete the payment process securely online.
Receive your bike insurance policy instantly on your registered email ID.
Several factors determine your Ultraviolette bike insurance premium:
Motor power (kW rating)
IRDAI uses kW capacity for third-party premium slabs. Ultraviolette's 30 kW motors attract higher TP premiums than sub-15 kW models.
Insured Declared Value (IDV)
The current market value of your bike. Higher IDV means higher OD premium but better payout on claims.
Bike age and model variant
Newer, higher-spec variants like the F77 Mach 2 Recon attract higher premiums than the Shockwave.
City of registration
Metros attract higher premiums due to elevated theft and accident risk.
Claim history and NCB
A No Claim Bonus of up to 50% on the OD premium is available if you maintain a claim-free record.
Add-ons selected
Each add-on incrementally increases the premium.
Not all insurers are equally equipped to handle electric vehicle claims. For a sophisticated motorcycle like the Ultraviolette F77, it is important to choose an insurer with a wide cashless garage network that includes EV-authorized service centres, a fast and transparent digital claims process, dedicated EV insurance expertise, and competitive IDV settings that reflect the actual market value of your premium electric motorcycle.
Ultraviolette's growth story is nothing short of remarkable. From a single experience centre in Bengaluru in September 2024, the company has expanded to over 40 UV Space Stations across India within just over a year. In 2024, the F77 became the most awarded electric motorcycle of the season. In 2025, the brand officially launched the F77 in 10+ European countries, marking a historic moment as the first Indian electric bike sold in Europe. The company has also secured $45 million in its Series E funding round, led by Zoho Corporation and Lingotto, to scale production and deepen battery R&D globally.
Their manufacturing facility in Bengaluru spans 70,000 sq. ft. with a current capacity of 15,000 motorcycles annually, scalable to 1,20,000 units. Ultraviolette has also partnered with Bolt.Earth to expand the EV charging network across India, and introduced its own UV Supernova fast-charging infrastructure for its riders.
Disclaimer: *Premiums starting from ₹457 are indicative for third-party bike insurance for select models and may vary based on vehicle specifications, location, and insurer.
Yes. All two-wheelers, including electric motorcycles, must have at least third-party insurance as per the Motor Vehicles Act.
Not always. It is recommended to choose an EV Shield or Battery Cover add-on for battery and charging component protection.
IRDAI calculates third-party premiums for electric bikes based on the motor's kilowatt (kW) output.
IDV is the current market value of your bike and the maximum amount payable in case of total loss or theft.
Yes. Claim-free policy years can help you earn up to 50% NCB on the own-damage premium.
Yes. It helps you avoid depreciation deductions on expensive bike parts during claims.
Many insurers offer EV-specific RSA support such as towing to the nearest charging station or service centre.
Yes. Most insurers allow online purchase and renewal of Ultraviolette bike insurance policies.
No. The battery warranty covers manufacturing defects, while insurance covers accidental damage, theft, and natural calamities.
Inform your insurer immediately, submit the required documents, and get the vehicle inspected at a network garage or authorized service centre.
