Honda Activa Insurance

Are you planning to purchase the all-new Honda Activa? If so, do not forget to plan for the right Honda Activa Bike Insurance. This is because all motor vehicles in India must have valid Honda Activa insurance (a minimum third-party cover).

The Honda Activa is the company's best-selling two-wheeler, and the latest edition is an enhanced version of previous models. It keeps its USPs of a smooth motor and metal body panels while improving ride quality and handling.

With a 109.2 CC engine capacity, the scooter gives a comfortable ride every time. It has a metal body that keeps it durable even during extreme weather conditions. The ex-showroom price of this scooter with 109.2 CC engine capacity stretches from ₹75,271 to ₹84,763.

You must take adequate measures to protect a high-performance two-wheeler like Activa against external threats like accidents, man-made disasters, and natural calamities. Now let's uncover Honda Activa features, variants, insurance, and more!

*The ex-showroom prices are for Delhi. Prices are subject to change based on the city.

**Third-party premium rates are indicative. The actual premium you have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your bike insurance policy.`

The third-party Activa insurance policy is a basic insurance plan which offers limited coverage. With this policy, you are only covered for damages or losses incurred by the third party, their bodily injuries, the death of the victim, etc. On the other hand, a comprehensive insurance policy includes own damage, theft, natural/man-made calamities, and other perils.

The comprehensive Activa insurance policy doesn't include damages incurred outside the designated geographical area, mechanical or electrical breakdown, natural wear and tear of the bike, etc.

Even if you are a pro rider, who would never crash their scooter, even by fluke, multiple other threats could cost you an arm or a leg. Unwarranted events like theft, natural calamities, and man-made disasters can also damage your two-wheeler.

If your Activa sustains damages due to such an unfortunate event, the expenses of replacing components like indicators, cables, levers, etc., could easily reach approximately ₹35,000 or more. Therefore, a bike insurance policy is necessary to dodge unwanted financial burdens.

There are certain unique insurance policies to cover the wide range of Honda Activa scooters. Here’s a sneak peek -

1. Third-Party Bike Insurance

Third-Party bike insurance protects you from losses or damages caused by a third-party vehicle, property or person. Such a policy does not cover damages to your vehicle, making the premiums cheaper.

2. Comprehensive Bike Insurance

A comprehensive bike insurance plan extends coverage for third-party liabilities and damages to your vehicle. However, you can buy such a plan at a relatively higher premium. Over and above the benefits offered by a comprehensive bike insurance plan, you can opt for several add-ons.

To extend the coverage of your insurance plan further, you can choose to buy these add-ons with your insurance policy:

1. Personal accident cover

Under this cover, the insurance company will cover the treatment of injuries caused to you and a pillion rider.

2. Round-the-clock assistance

You can buy this add-on to ensure you are never stranded if your bike breaks down suddenly. You will get assistance 24x7 if you are stranded.

3. Zero depreciation cover

This cover will minimise the out-of-pocket expenses you may incur during a claim by protecting you against the depreciation value of the scooter.

4. Return to invoice

If an unforeseen event occurs, you will get the complete value of your bike. This value is the same amount mentioned on your bike's purchase invoice.

Follow the below tips to reduce the Activa bike insurance premium cost:

• Use No Claim Bonus

The No Claim Bonus is one of the most common ways of availing lower insurance premium rates. However, you must make no claims during the policy period to enjoy this benefit.

• Compare quotes online

Comparing multiple bike insurance quotes online before buying one enables you to gauge different policies against your insurance needs and then pick the most profitable plan.

• Cover small claim

Ensure you do not make any claims for small expenses if you want to enjoy the No Claim Bonus. This reward is accessible only if you go without making any claims during the policy period.

• Maintain your bike

The insurance premium for vehicles in good condition is relatively less because bikes in poor condition are prone to losses. Hence, service your bike regularly, so it embodies fewer issues.

Here are a few ways to ensure your Activa runs smoothly:

• Keep a tab on the tyre pressure

Maintain the tyre pressure of your Honda Activa to avoid putting additional stress on the engine or the vehicle's internals.

• Check the engine

See that your Activa's engine is in good condition for smoother bike rides. Driving at a steady speed will maintain your engine's efficacy for a long time.

• Do not overload your bike

Your bike could feel pressured if you continue adding extra weight to it. This can further damage the engine and other components of your motorcycle.

Originally launched in 1999, Honda Activa is known to have the best build in the scooter segment. It comes with full metal skin, which enables it to sustain tough conditions. This scooter is available in 6 colours: rebel red metallic, matte steel black metallic, falcon blue metallic, pearl precious white, matte axis grey metallic, and magnificent matte copper metallic. Additionally, with a mileage of 60 Km/l, Activa is also fuel-efficient. Explore the Honda Activa features, specs, on-road price, and others to know more.

Note: The actual specifications may vary depending on the Honda Activa variant you choose.

Here are a few key features of the Honda Activa:

• Optional charging point

• Seat-opening switch

• DRLs

• Digital odometer

• Service due indicator

• Combi brake system

• Fuel gauge

Now that you know about the specifications and features of the Honda Activa, it's time to take a look at the on-road price of this scooter across major cities:

The estimated maintenance cost for Honda Activa for 2 years is ₹4,772. The servicing cost for the first three services is free, but you will have to pay out of pocket once the free servicing expires. Here’s the Activa service schedule:

*Disclaimer: These are indicative prices. The actual maintenance cost of the Honda Activa may vary and change from time to time.

Now that you have all the necessary information and are in a better place to decide whether to buy Activa, you must research and purchase a suitable Activa insurance policy. At Bajaj Markets, we offer a wide range of insurance policies and add-on covers so that you can customise the right plan for you and your bike. So, go to our 'Bike Insurance' page and explore the types of insurance covers we have in store for you!