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

    The Yamaha Motor Company is a Japanese-based multi-national motorcycle manufacturer. Originally part of the Yamaha Corporation, the Yamaha Motor Company was established in 1955 by Genichi Kawakami. The company’s headquarters are in Shizuoka, Japan and it manufactures a vast range of products from scooters, motorcycles, motors, fishing boats, off-road vehicles and snowmobiles. The company is synonymous with motorcycles, especially racing bikes, with Yamaha being the market leader in the segment.

    Yamaha has a presence in India as well, with the company beginning their India operations in 1985. They have grown from strength to strength since then. At present they have over 400 dealers across the country, part of their 1200 consumer touch-points. The company manufactures its top of the line bikes at two plants, one based in Surajpur, Uttar Pradesh and the other in Faridabad, located in Haryana.

    Yamaha emphasises on customer satisfaction and quality over all else, enabling it to corner a large percent of the Indian bike market. It constantly strives for perfection through its research division and ensures its services are unmatched through its dedicated sales and services to its customers.

    Yamaha manufactures bikes and scooters to suit every budget, with the average price ranging from Rs. 40, 000 to over 25 lakh. So whether you’re looking for a compact scooter or a racing machine, Yamaha has just the two wheeler for you.

    With the thrills that come with your new scooter or bike are also the risks of an untoward incident like an accident or mishap taking place. To protect both you and your two wheeler from these, it is recommended that you buy an insurance plan , so you can ride without the worry of astronomical repair/ allied costs. In an effort to safeguard riders, the government too has enacted a new law mandating all two wheelers be covered by third party insurance.

    Now that you have to buy insurance for your two wheeler comes the question- which one do you choose? There are a number of providers in the market that provide best bike insurance in india. The kind of two wheeler you possess, the insurance type you are looking at, the premium amount and the total cost after taxes and deductions are points you should bear in mind before you pick an insurance provider for your two wheeler.

    Buying insurance is a simple process nowadays, as you can buy and renew it online. You can choose from a 1 year policy and renew it yearly, or opt for a 3 year insurance term. Two wheeler insurance covers damage or losses resulting out of:

    Natural calamities: in the event of earthquakes, fires, floods, storms and hurricanes, lightning strikes or self-ignition, landslides and rockslides as well as tempests and typhoons, the insurer will cover the cost.

    Man-made calamities: in the event of theft, acts of terrorism, accident, riots, malicious activities or damage suffered during air, road or rail transit, the insurer will cover the cost of damages.

    Benefits of Yamaha Bike Insurance:

    • Vehicle accessories can be insured under electrical or non-electrical accessories.
    • Easy and hassle-free renewal and first time insurance purchase.
    • A discount of 2.5% for vehicles with an anti-theft device approved by ARAI installed.
    • Tow facility in case of an accident or a breakdown.
    • Co-passenger accident coverage (optional).
    Two Wheeler Insurance Online

    Insurance Companies Providing Yamaha Bike Insurance Policy:

    There are a number of insurance firms that provide insurance for Yamaha two wheelers, with HDFC Ergo and Bajaj Allianz being two of them.

    A list of the coverage provided by both is given in the table below:


    HDFC Ergo

    Bajaj Allianz




    Electrical Accessories



    Zero Depreciation



    Personal Accident cover



    Non electrical accessories



    Automobile association



    Bi fuel kit



    Voluntary deductible



    Professional discount



    The Yamaha two wheelers currently available in India are:

    Sports bikes:

    • Yamaha YZF R15
    • Yamaha FZ16
    • Yamaha SZ RR
    • Yamaha FZ1
    • Yamaha VMAX
    • Yamaha Fazer
    • Yamaha YZF R1
    • Yamaha FZ 16


    • Yamaha Alpha
    • Yamaha RAY
    • Yamaha Ray Z


    • Yamaha SZ S
    • Yamaha YBR 125
    • Yamaha Crux
    • Yamaha YBR 110

    The table below lists the model and variances of Yamaha bikes, and also lists if they are covered by the particular insurer:

    Make Model Variance

    HDFC Ergo

    Bajaj Alliance




    Yamaha YBR 125 SS



    Yamaha YZF R1 LE



    Yamaha FZ 16 ST



    Yamaha Alpha



    Yamaha Ray Z



    Yamaha Vmax 2 EN 1200



    Yamaha Crux R



    Yamaha Fazer 153 STD



    Yamaha Enticer DLX



    Yamaha Gladiator Graffiti



    Yamaha Libero GS



    Yamaha Bike Insurance FAQ’s:

    1. Q: Will I be covered under insurance if someone else was riding my bike at the time of an accident?

      A: Liability is on the vehicle. Since the insurance is on the vehicle, in this case the bike, it will still be covered as long as the person was riding your bike with your permission. In the event the costs exceed your bike’s insurance cover, the balance would usually be covered by the rider’s liability insurance.

    2. Q: Can my two wheeler insurance be transferred in case I sell my bike?

      A: If you decide to sell your bike, the insurance can be transferred to the buyer. The buyer has to submit an application to transfer the insurance to his/her name within a time frame as specified in the policy.

    3. Q: Which factors determine the premium on my bike?

      A: The cost of your insurance policy is determined by the premium you have to pay. The premium is dependent on the following factors:

      • Vehicle age
      • Type of vehicle
      • The place where the vehicle was registered
      • The insured sum or IDV.
    4. Q: What is IDV?

      A: IDV or Insured Declared Value is the value of your vehicle based on the current market. This rate is decided upon by the insurance company, and the sum is provided by the insurance company in the event of theft or loss of the two wheeler.

    News About Yamaha Two Wheeler Insurance

    • Yamaha teases XMAX and TMAX ahead of EICMA 2017

      Japanese two wheeler manufacturer Yamaha has officially released a teaser for its 2017 edition of the XMAX as the date for EICMA is fast approaching.

      The X MAX 300, a performance scooter, is expected to be launched in the European market in March 2017, and will replace the X MAX 250 variants sold currently.

      However, this isn’t the only performance vehicle that will see the light of day as the company is also expected to unveil the 2017 version of T Max too. To keep the markets buzzing, Yamaha also released a short teaser video which reveals the design overhaul the bike has received.

      This scooter will get an LED pilot lamp and will also feature a new turn signal design. The T MAX is expected to come with a 530cc liquid-cooled 4 stroke, in line twin-cylinder engine which has a EURO IV clearance stamp.

      10th November 2016

    • Yamaha Motors looks to cross one million in domestic sales

      Yamaha Motor India will be closing the year with a sales figure of 8.5 lakh units, and they hope to meet the one million mark in domestic sales this financial year. Out of the 8.5 lakh units sold this year, 7.8 lakh units are from sales within the country, whereas the rest has been fulfilled through exports. The company looks towards posting a growth of 35% this year, following a robust growth strategy that was implemented in 2008.

      It has been observed that most of the revenues generated by the company came from the sale of scooters. Hence, they have reduced the production of motorcycles in the last two months, to focus more on the scooter segment.

      The company is also considering expansion of its network with a current score of 2,500 touch points. The vision is to have 5000 touch points by the year 2019.

      2nd November 2016

    • Yamaha introduces X-Max 300 scooter to replace X-Max 250

      Yamaha has unveiled their new Maxi scooter model, the X-Max 300 that will be replacing the X-Max 250. The scooter will be in the market by March next year.

      The X-Max 250 is popular in the European market due to its riding performance and style. The new model that will be introduced is also styled on the outgoing model. The X-Max 300 has a sculpted, sharp body that weighs around 179 kg. It is, however, lighter than the previous model and has new front forks, a Smart Key system, TCS, and ample storage space below the seat. It is also equipped with twin LED headlights and a large windscreen. Additionally, the scooter offers lower back support for the rider and has a single step-up seat.

      It is powered by a 292cc single cylinder engine that has an output of 27 bhp of power and 29 Nm of torque. It has a 15 inch front alloy wheel and a 14 inch wheel at the rear. It is also installed with disk brakes, with ABS.

      Although Yamaha has no plans of introducing the X-Max 300 in India, it will be launching the N-Max scooter sometime next year.

      27th October 2016

    • India Yamaha September 2016 Sales Cross 100,000 Mark

      The month of September has been remarkably special for India Yamaha Motor (IYM) in terms of sales which touched an all-time high ever since the company commenced operations in India. Owing to an increased demand for its scooter models, Yamaha registered sales of over 100,000 units in September 2016, not only in domestic sales but also in exports. the exact figure of sales was disclosed to be 101,153 units, out of which 89,423 units (including Nepal) comprised of domestic sales, while the remaining 11,730 units (excluding Nepal) were attributed to exports. With 2016 sales having increased by 32.94% Yamaha recorded additional sales of 22,156 units over its sales for September 2015 which stood at 67,267 units.

      1st October 2016

    • Yamaha Targets One Million Sales in India for 2017

      Following the boost in sales figures in the last two months, Japanese two-wheeler manufacturer India Yamaha Motor Sales (IYMS) is targeting an exponential growth in two-wheeler sales in India. Roy Kurian, VP Sales & Marketing for IYMS recently revealed the company’s targets for the coming year and said that they expect to close this year with a robust growth of roughly 16%, ad opposed to 8% speculated before.

      As compared to the 5.5 lakh units sold by Yamaha last year, the manufacturer expects a growth of around 30% this year, which translates to sales figures of about over 8 lakh units. In domestic sales, Yamaha is gunning for domestic sales of around 10 lakh units by the year 2017.

      The scooter segment continues the be the main growth contributor for Yamaha. The segment itself has displayed robust growth in recent times, recording a growth of approximately 26% in the period falling between April to August 2016, as against the corresponding period last year.

      23rd September 2016

    • Yamaha Cygnus Ray-ZR Revs Onto Roads

      The newest entrant to the Yamaha scooter line, the Cygnus Ray-ZR, has been winning the company accolades across multiple platforms. The scooter’s ease of use and enhanced safety features have resulted in higher sales volumes as well, with over 75,000 of the scooters being bought since its release.

      With a design that moves away from the traditional scooty, the Cygnus has a sporty and powerful look to it. The optional 170 mm front disc brake, a feature unique to this model, also sets it apart from competitor models and makes for a sleek addition.

      With a smooth riding experience and modifications to the tyres to ensure a comfortable and safe ride, the Cygnus Ray-ZR looks set to take on the more established scooters in the sector.

      With the additional security offered by taking out a two wheeler insurance policy, drive off in the meanest machine on two wheels in the segment.

      20th September 2016

    • Yamaha India Reaches 1 Million Scooters Milestone

      Yamaha Motors has produced one million scooters in the country till date. The one-millionth vehicle, a Fascino, was rolled out from its manufacturing plant in Surajpur, Greater Noida. Yamaha has two plants where it manufactures scooters, Chennai and Surajpur.

      Out of one million scooters, around 80,000 were manufactured for export to markets such as Sri Lanka, Costa Rica, Ecuador, Nepal, Dominican Republic and Mexico. Yamaha entered the gearless scooter segment in 2012, targeting young female consumers with the Cygnus Ray. Another version of this scooter suited to male customers was rolled out and christened Yamaha Cygnus Ray Z. The Cygnus Alpha and Fascino are other popular products from the manufacturer.

      Yamaha’s scooter sales have grown by 94% in the first half of this year, in comparison to last year.

      17th August 2016

    • Yamaha Two Wheeler Export Performance For 2015-2016

      Yamaha has displayed praise worthy performance in terms of exports which have taken place in the fiscal year 2015-2016. Under the category of scooters, the Yamaha Ray was strong in terms of exports which rose by an impressive 168%. Yamaha has exported 16,801 units of the Ray in FY 2015-16, as compared to a much lower number of 6,271 units which were exported in the fiscal year 2014-15.

      Under the 100-110cc motorcycle segment, exports didn’t quite pick up. The Yamaha Crux recorded a 47% fall in terms of exports with only 14,032 units being exported in the fiscal year 2015-2016, as compared to a much higher number of 26,483 units which were exported in the year before.

      Going higher, under the 125cc section, the Yamaha YD125 recorded, though slight, but positive growth. The manufacturer exported 8,760 units of the YD125 in the fiscal year 2015-2016, as compared to 7,920 units in the year before.

      30th May 2016

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