Top 5 longest range Electric Bikes/Scooters in India

What are the two types of insurance policies for long range electric bikes?

1. Comprehensive Insurance: This covers everything that third-party insurance doesn't, including your injuries and bike damage.

2.  Third-Party Policy: Cover any third-party losses or damage brought on by mishaps or other risk factors with a third-party policy.

What Is Covered by Insurance for Long Electric Bikes?

1. Losses or damages to third-parties.
2. Losses or damage brought on by collisions or accidents.
3. losses from fire or explosion that were unintentional.
4. If the e-bike is stolen, there will be losses. 
5. Damages brought on by cyclones, floods, or other natural disasters.
6. Personal Accidental Coverage Accident-related medical costs for injuries.

What Is Not Covered by Insurance for Long Range Electric Bikes?

1. When you only have third-party coverage rather than comprehensive coverage, you are responsible for your own damages.

1.  Contributory negligence, such as causing harm while driving through floodwaters when it is not advised to do so in the owner's manual

1. Non-purchased add-ons

1.  Driving without a licence

1. Consequential Damages

1. Driving while impaired by drugs or alcohol.

The Top 5 Longest-Range Electric Scooters in India

1. Ola S1 Pro: With a 17.45% market share, Ola Electric ranks third among Indian manufacturers of electric vehicles. Ola scooters claim to have an ARAI range of 181 km per charge, and the company has already sold out more than 41, 994 units. The scooter's battery has a 4-kwh capacity. In 2024, the company will also introduce electric vehicles.

2.  Simple One: The scooters from this brand have not yet begun to be delivered. However, more than 65,000 scooters have already been pre-registered, and its range must be one of the main factors in this. The scooter can travel more than 203 kilometres on a single charge and, under ideal circumstances, more than 200 kilometres. The bike also has a lithium-ion battery with a high capacity of 4.8 kWh.

3.  Hero Electric NYX HS500 ER: With a market share of over 18.32%, Hero Electric will have sold over 44,084 units in 2022. The bike claims to have a range of 138 kilometres per charge under ideal circumstances. The bicycle has a double 51.2V/30 Ah battery that requires more than 4 to 5 hours to fully recharge.

4.  Komaki Ranger: The Komaki Ranger costs over Rs.1,75,000. It is powered by a 3.6 kWh battery that offers 200 kilometres of range on a single charge. The scooter's 4kW BLDC motor allows for a top speed of 80kmph. The scooter has a lot of appealing features in addition to its speed, including LED lighting, an anti-theft lock system, a mobile charging port, etc.

5.  Odysse Hawk Plus: With a full 2.88 kWh portable lithium-ion battery, this scooter should be able to travel 170 km. The bike costs Rs. 1.14 lakh and is available in a number of hues, including white, red, blue, silver, and black.

Documents Required for a Long Range e-Bike Insurance

Electric scooters with less than 250w of power are considered non-registration scooters and do not need to be registered with the RTO. Since they can only travel at a top speed of 25 Kmph, they are not thought to be involved in fatal accidents. As a result, non-registration electric scooters are not required to have insurance. However, if it is involved in an accident, having insurance coverage can cover the repair costs. The procedure for obtaining insurance for an electric scooter is the same as that for a two-wheeled vehicle powered by fuel.

Consequently, you will only need to provide these three crucial documents to obtain insurance for your e-bike:

1.  Address verification, such as your PAN Card

2.  Identification documentation, such as a passport or Aadhaar card

3. Two photos the size of a passport

How do I Submit an Insurance Claim for Long Range Electric Bike

Two-Wheeler Insurance Claim in Case of Theft of Long Range Electric Bike

1.   Go to your local police station in order to report an FIR about the e-bike.

1.  After the report has been accepted, call your insurer. Do this in a day or 2 and save the policy number on your phone and keep the registration info handy.

1.  Provide your insurer with documents such as your FIR copy, claim form, original bike key and loss report.

1.   In the wickedest case, if the bike is not found, the insurer will pay a reimbursement sum corresponding to the e-bike’s IDV.

Insurance Claim for a Two-Wheeled Long Range Electric Vehicle with Own Damage

1.  Go to your local neighbourhood police station to file an FIR about the e-bike.
2. Call your insurer as soon as the report has been approved. Do this in a day or two and keep the registration information and policy number handy on your phone. 
3. Avoid moving the e-bike away from the scene of the accident without first informing the insurance company and the police.
4. The insurer will send someone to the accident scene or garage to conduct a proper review and assess the damage. 
5. You may also receive a cashless facility or compensation depending on where your bike is being repaired.
6. Your cover & repair costs will determine the amount of your claim.

Insurance Claim for Long Range Electric Two-Wheeler

1.  Visit your local police station to file an FIR about the e-bike. 
2. Call your insurer as soon as the report has been accepted. Do this in a day or two and keep the registration information and policy number handy on your phone.
3.  All of the witnesses in your defence should have their contact information noted. 
4. If you can, take photos because they will serve as evidence. 
5. Obtain the insurance information for the other party.
6. Register your case with the Motor Accident Claims Tribunal court. Make sure that they have jurisdiction over the location of the accident.

Considerations for Buying Long Range Electric Two-Wheeler Insurance

We frequently weigh the benefit and costs when making purchases because they are both significant factors. The same is true of the procedure for purchasing an insurance policy for an electric bike in India.

E-bike insurance can be purchased online without difficulty and in the convenience of your home, workplace, etc. When buying insurance for an electric two-wheeler, you only need to take into account a few of the items below

1.  Comprehensive coverage
2. Cashless claim processing
3. Continued NCB benefit 
4. Legal and personal accident coverage
5. Breakdown services
6. Third-party liability from person or property 
7. Legal mandate coverage 
8. vehicle damage protection
9. Vehicle damage protection