Honda Motorcycle and Scooter India (HMSI), a subsidiary of the Honda motor Company, Japan, is undoubtedly one of the most trusted names in two wheelers in India. No matter where you go, you can spot a Honda two wheeler around you. Ever since its launch in India, Honda has been one of the major players which holds a majority of the two wheeler market in India, for the simple reason that they deliver the highest quality vehicles at reasonable prices. To do their bit to reduce the carbon emissions and resultant pollution, Honda has tried to successfully incorporated fuel efficient and environment friendly technology in their two wheelers which it retails in the Indian market.
As unfortunate as the driving situation is in the country, two wheeler insurance has become nothing less of a necessity. Also, according to the Motor Vehicles Act, 1988, it is compulsory for all two wheelers to be insured before they can be taken out on the road. So, if you have purchased a Honda two wheeler, scooter or motor bike, it is in the best interest of the vehicle that you get it insured. Best Two wheeler insurance helps protect your vehicle against a variety of on-road and other perils and risks. Not only does the insurance provide financial assistance in case the vehicle has undergone any damage but also helps protect you from any third party liability which may arise following the mishap.
Features and Benefits of Honda Bike Insurance:
- Network of Garages with Cashless Settlement Facility – For your Honda two wheeler, you can avail the facility of cashless settlement at any garage that are a part of your insurance provider’s network. Bajaj Allianz and HDFC Ergo have a well distributed network of garages located across the country where you can avail the cashless settlement facility. Cashless settlement essentially saves you from paying from your own pocket, the expenses or costs incurred towards the repair of your vehicle following a mishap. The payment will be made by your insurance provider.
- Road Side Assistance – The unexpected can happen anywhere, leaving you stranded with no help. This is when Roadside Assistance can be your savior. Road side Assistance is designed to provide you any assistance that you may need, like a fuel refill, spare key service, relaying important messages to your family or friends, mechanical assistance, locating a network garage for vehicle repair, etc.
- Third Party Liability Coverage – As per the motor Vehicles Act of 1988, the minimum insurance requirement for any vehicle is to be covered by a Third Party Liability Insurance cover. Third party liability insurance is designed to protect you from any legal liability which may arise if the insured vehicle has caused any damage to any third party individual, resulting in their permanent disablement or death, or damage to any third party property.
- Personal Accident Cover– Another important part of a is Personal Accident Cover. While it may be a standard part of some policies, in some other policies it is a feature which can be availed at the payment of a nominal premium. Under Personal Accident cover, in case of the permanent disablement or death of the owner of the insured vehicle, the insurance company shall provide a compensation of a pre-fixed amount to the immediate family of the deceased. Personal Accident Cover for each policy is subject to terms and conditions.
- Engine Protection Coverage – The engine of any vehicle is its heart. Though Honda vehicles are built to last, any major damage caused to the engine of the vehicle can affect the vehicle’s performance and also compromise your safety. Engine Protection Cover is a standard part of most two wheeler insurance policies which offer protection toward any damage which may be caused to the engine, as per pre-specified policy wordings.

How To Ensure You Get The Best Insurance For Your Honda Two Wheeler:
Two wheeler insurance, like any other type of insurance, is dependent on a number of factors. The coverage that you require for your Honda scooter or motor bike will depend on various factors like the model of the vehicle, it’s price, the city it has been registered in, the class of the vehicle, your own driving record, etc., among various other factors. The amount of coverage you need for your Honda bike or scooter depends on the class, model and the price of the vehicle. Also, the external aspects of the vehicle like the engine capacity, body parts, usage purpose are also some factors which determine the type of insurance cover you need. As a consequence, these factors combined will affect the premium you will be charged, the Insured Declared Value of the vehicle, the voluntary Deductible amount and the coverage provided. The amount of premium may go up or down depending on the above mentioned factors.
Before purchasing a two wheeler insurance policy for your Honda vehicle, it is necessary to do some research to ensure that you get the best deal on the policy. It helps to be informed about the market to make an informed decision. Before you set out to do your research, evaluate the amount of coverage you require for your vehicle and then proceed to carry out your own research about the various companies which provide two wheeler insurance. Compare the coverage that different providers are offering and at what premiums. Also look for any add-ons that you think will be beneficial for you. Also, while you are at it, do enquire about any discounts that you may get on your premium. Often insurance providers provide discounts to individuals who may be members of an automobile association or have installed an approved anti-theft device or alarm in their vehicle.
Insurance companies offering Two Wheeler Insurance For Honda Two Wheelers:
Currently, HDFC Ergo and Bajaj Allianz, two of India’s leading insurance providers offer two wheeler insurance for Honda scooters and motor bikes.
Carrier |
Bajaj Allianz |
HDFC Ergo |
Electrical Accessories |
Yes |
No |
Non-electrical Accessories |
Yes |
No |
Bi Fuel Kit |
No |
No |
Personal Accident Cover |
Yes |
No |
Zero Depreciation Cover |
No |
No |
Anti-Theft |
No |
No |
Voluntary Deductible |
No |
No |
Automobile Association |
No |
No |
Professional Discount |
No |
No |
Different Models of Honda Two Wheelers are:
- Scooters - Honda Activa, Honda Aviator & Honda Dio
- Sport Bikes / Super Bikes -, Honda VFR, Honda CBF Stunner, Honda Goldwing, Honda CBR & Honda VT.
- General Purpose Bikes - Honda Stunner, Honda Dream, Honda CB Unicorn, Honda Shine, Honda CB Twister & Honda CB Trigger
Honda Bike Insurance FAQs:
- Q: Can I purchase my Bajaj Allianz Two wheeler Policy online?
A: Yes, you can easily purchase a Bajaj Allianz Two Wheeler policy online by following only a few simple steps.
- Q: Can i renew my HDFC Ergo Two Wheeler Policy online?
A: Yes, you an easily renew your two wheeler insurance policy online by visiting the HDFC website and following the steps. Do keep your policy related details handy for the purpose.
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