Insurance is like a spare tyre. You may not require it, but not having one is not an option.

YO Bike Motor Insurance

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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.

YO ELECTRON

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.

YO XPLOR

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 motor insurance policy 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.

Two Wheeler Insurance Reviews

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  • Bajaj Allianz Two Wheeler Insurance
    "Premium should be economical for the renewal"
    0.5 4.0/5 "Great!"
    Whenever there is a issue, I can reimburse with Bajaj Allianz its good than other company. One time I claimed, they gave me cash less service the premium is lesser than others then I changed it. The renewal option is good but they show more premium when I go for renewal.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy almost four years back and i am paying the premium annually. The premium amount has not been high and the payment method has been simple. There has not been any claims made so far and the services which they had offered so far was good.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good for two wheeler"
    0.5 4.0/5 "Great!"
    My policy belongs to HDFC Ergo, its a premium policy for one year the insured value is fine for me Rs. 97,000, I have the KTM Duke bike its good, I took first party insurance with HDFC Ergo, I really not interacted with them for any policy queries.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • Bharti Axa Two Wheeler Insurance
    "IDV percentage should be increased"
    0.5 4.0/5 "Great!"
    The insured value is low in Bharti axa, I Purchased Royal Enfield bike for Rs. 1.75 but they gave me only Rs. 1.20 lakh . My policy has the tenure of two years, I am not sure about the tie up services. I have taken the first party insurance. I purchased in the month of october 2017.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 14, 2019
  • National Insurance Two Wheeler Insurance
    "Better"
    0.5 4.0/5 "Great!"
    I had my two wheeler insurance from National Insurance and it was a better experience. This insurance was issued by the showroom as a default. There is no claim. I felt the premium is bit higher so moved to HDFC Ergo. The customer service is better.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    My two wheeler insurance was taken from HDFC Ergo because it has more benefits and the premium is lower compared to others. It is a first party insurance. The customer service is very good. There was no claim and IDV value is good. I got the insurance paper.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance for my bike a long time back and it had been a good policy. I had been paying the premium on an annual basis and the premium amount was not too high as well. The payment method has been simple and there has not been any hassle. There has not been any claims made so far and there has not been any hassle faced with the services of them.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 13, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good features"
    0.5 4.0/5 "Great!"
    I have my two wheeler insurance with ICICI Lombard. The services are good and there no hassles to get the policy. The premium is also nominal. The policy coverage and benefits are satisfactory. I also received the policy papers on time. Good in all.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 12, 2019
  • United India Two Wheeler Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    This policy was recently renewed for my bike, my brother went to the showroom and then he renewed the policy, the premium is economical as per the market. They are issuing the policy with the good coverage of bike. Its a trusted insurance company and I got the paper on time.
    Was this review helpful? 4
    , kolkata
    Reviewed on Jan 11, 2019
  • Reliance General Two Wheeler Insurance
    "Should get tie up with more service centers"
    0.5 3.5/5 "Pretty good"
    Even for my Bajaj discover bike I had Reliance general insurance it has the tenure of one year, they gave me good insured value around Rs. 19,000, it covers for the loss, damage. They need to get tie up with chennai to get the hassle free service.
    Was this review helpful? 2
    , chennai
    Reviewed on Jan 10, 2019
  • Reliance General Two Wheeler Insurance
    "Easy Renewal"
    0.5 3.5/5 "Pretty good"
    Based on my experience Reliance insurance company is good, the premium is standard as per the current market. I have Honda it covers for loss, damage cover. There is no claim experience, I used to visit to the branch for the renewal they provide good service.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 10, 2019
  • Iffco Tokio Two Wheeler Insurance
    "Quick Service "
    0.5 4.0/5 "Great!"
    I have bike policy with IFFCO TOKIYO, it was my friend bike later on it got transfered to my name with Iffco Tokiyo two wheeler policy, the insured value is good it has coverage for the loss and damage. On time they processed the policy on my name. I am happy about it.
    Was this review helpful? 2
    , mumbai
    Reviewed on Jan 10, 2019
  • New India Two Wheeler Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    In New India, I have insured my Hero CT delux bike, once a while it got damaged they done the service on time, the premium is low however the insured value is good. It has third party insurance, the service is good and I could renew the policy on time.
    Was this review helpful? 0
    , ambala
    Reviewed on Jan 10, 2019
  • National Insurance Two Wheeler Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In National Insurance the premium amount is low around Rs. 2000 for one year, the insurance company allocated Rs. 35,000 for my bike. My Honda dio vehicle is around 6 years, the policy activation done on time. My bike got damaged within 10 days.
    Was this review helpful? 3
    , ambala
    Reviewed on Jan 10, 2019
  • New India Two Wheeler Insurance
    "Average Two Wheeler insurance"
    0.5 3.0/5 "Satisfactory"
    My two wheeler insurance was taken from New India for my new bike. The showroom people has done a insurance when i purchased my two wheeler. I paid the premium amount of Rs. 1600. The documentation process was simple. They have given the IDV value of Rs. 55000 which I'm happy about.
    Was this review helpful? 3
    , mangalore
    Reviewed on Jan 09, 2019
  • Shriram Two Wheeler Insurance
    "Better"
    0.5 4.0/5 "Great!"
    My two wheeler insurance was taken from Shriram because my friend is working there. The renewal procedure was easy and he done it for me. The premium is 1200 rupees for one year. I have no claim and never contacted the customer service. The premium was moderate and benefits are average.
    Was this review helpful? 1
    , vellore
    Reviewed on Jan 09, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Good online option for renewal"
    0.5 4.0/5 "Great!"
    Reason to prefer Bajaj Allianz, I don't want to visit to the showroom for the renewal. I can renew the policy through online and I compared the benefits through online. On time the customer support team issued the paper. I have activa they gave me good insured value based on the vehicle age.
    Was this review helpful? 0
    , thrissur
    Reviewed on Jan 09, 2019
  • HDFC Ergo Two Wheeler Insurance
    "No experience with this policy"
    0.5 4.0/5 "Great!"
    3 months ago, i have purchased the new vehicle and the dealer has suggested me to take a insurance policy with HDFC Ergo. The dealer has taken care of all the procedure of this policy. I've no idea about the premium amount. This policy covers the 100% of the vehicle.
    Was this review helpful? 1
    , tiruchirapalli
    Reviewed on Jan 09, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good coverage for rider and thrid party"
    0.5 4.0/5 "Great!"
    Normally the insurer provide the cover for rider but this ICICI lombard is providing coverage rider and third party, the premium is also economical. They gave me the good coverage based on the vehicle age, my policy has the tenure of two years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 09, 2019
  • Bajaj Allianz Two Wheeler Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    Last time I took the two wheeler insurance from Bajaj Allianz. I took the premium around 1500 for one year. They gave me the policy paper, I have bike yamaha bike and also the insurance company got tie up with many service center for any claim.
    Was this review helpful? 0
    , cuddalore
    Reviewed on Jan 09, 2019
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