YO Bike Motor Insurance

When it comes to energy consumption, India ranks amongst the top five in the world. As the major energy requirement is met with coal production and import of crude oil, it poses a serious threat to the environment which cities like New Delhi, Mumbai, Bangalore, and others are finding hard to deal with. India is one of the active promoters of clean and environment friendly energy resources. And thus, the government has taken some serious initiatives to promote electric vehicles as a mode of transportation. In India, when it comes to the electric two-wheeler segment, most people are aware of YObykes, which was one of the first brands to bring electric vehicles to India.

In 2006, Electrotherm was the first company in India to introduce electric two-wheelers under the brand name of YObykes. Today, the electric vehicle manufacturer offers cost-effective and eco-friendly mopeds that are convenient and easy to use. Following are the main variants of the electric two-wheeler that you might want to consider buying.


The bike variant offers convenient and safe riding for people of all ages. With a 250W motor and VRLA deep rechargeable battery, the vehicle is designed in a way that it is safe to ride at limited speed capacity. The vehicle offers a maximum speed of 25 kmph and rides up to 70 kms on full charge. Hence, you can ride this vehicle without any registration or driving license.*

YObykes has put in place some robust features such as the digital odometer, telescopic suspension, sufficient storage space, side indicators and a payload capacity of 75 kg. Ideal for daily commute, the light weight moped is one of the favourites amongst teenagers and school going children.


The intelligent electric vehicle comes with eye-catching graphics and is available in four different colour variants. The vehicle can be used by teenagers as well as elders and requires no driving license or vehicle registration. Weighing just 86 Kgs, the bike offers a payload capacity of 75 Kgs and packs a powerful motor and an efficient battery.

Two Wheeler Insurance For YObykes

Though there is a minimum risk involved when it comes to electric two-wheelers that offer limited performance and speed as compared to the petrol based vehicles, it is important to get a two-wheeler insurance to remain covered against any losses or damages that may occur due to a variety of incidents.

Why Get A Two-Wheeler Insurance

Many people in India undermine the importance of two-wheeler insurance as they feel it’s a futile expense and they never get to utilise the insurance. In reality, people can never be sure when they would encounter an unfortunate event which may result in huge financial losses. An insurance policy provides the insured with a financial backup for all such unexpected events. In the absence of an insurance policy, the expenses on repair and retrieval of the vehicle as well as the medical expenses on any injuries caused in an accident have to be borne by the owner of the vehicle. Also, getting a two-wheeler insurance is mandatory as per the Indian Motor Vehicles Act of 1988.

Types Of Two-Wheeler Insurance

If you wish to buy a two-wheeler insurance policy for your Yobykes, there are primarily two types of insurance policies that you must be aware of. The same are explained below:

  • Third-Party Liability Insurance: A third-party insurance is the basic form of two-wheeler insurance mandatory in India. The policy covers the insured against any financial liabilities arising out of damages or losses caused to a third-party and their properties due to the vehicle. It also covers the owner of the vehicle.
  • Comprehensive Two-Wheeler Insurance Policy: You can also buy a comprehensive two-wheeler insurance policy for your YObykes. A comprehensive policy offers you a greater scope of protection and covers third-party liabilities. It covers the insured in a variety of natural and man-made disasters.

A two-wheeler insurance can be your best rescuer in an unfortunate event. A is to be renewed every year in order to enjoy continued protection. However, you may also opt for a long-term two-wheeler insurance for a period of up to three years to avoid the hassles of yearly renewals. You may also avail certain discounts when choosing a multi-year insurance policy.

*Need for driving license for electric two-wheelers is under consideration by the government.

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