Honda Bike Insurance Made Easy

Posted on: Jun 24, 2025 | 3 mins | Written by: HDFC ERGO Team

Honda Bike Insurance Made Easy

Freedom comes with riding a Honda bike. It is smooth and gradual. It simplifies everyday rides. However, there is one particular thing that riders sometimes overlook in their minds. Insurance. The correct cover will cover you and your bike. It allows you to stay on the right side of the law. It protects you against large invoices. In this blog, we look at Honda bike insurance, Honda activa insurance, scooter insurance, bike insurance, two-wheeler insurance, comprehensive bike insurance and third party bike insurance. We explain why you need it, what it is and how to buy or claim online. We will make your ride worry-free.

About Honda Bikes

Honda bikes have been manufactured since the year 1959, when it was established in Japan. Honda is a leading brand of two-wheelers. It produces scooters and bikes. It has been selling millions annually. Bikers adore Honda because of its smooth engines and minimal hassles. Models are varied, ranging from small scooters to sports bikes. Every model is charming. The Activa is a best seller. It is light to drive in traffic. It has adequate speed on urban roads. The CB Shine and Unicorn are highway feasible.

Honda Bike Prominent Features

There are several major characteristics Honda bikes have in common:

1. Quiet motors: Four-stroke engines are smooth. They scale hills without effort.
2. Fuel efficiency: Activa returns about 50 km/L. Shine and Unicorn return 60 km/L.
3. Light steering: Facilitates manoeuvrability in urban traffic.
4. Durability: Minimal breakdowns. Parts have a long life.
5. Good service network: Thousands of garages in India.

All these characteristics render Honda bikes safe and easy to live with. But even the best bike can meet trouble. A small bump or theft can cost big. That is why two-wheeler insurance is vital.

Why Honda Two-Wheelers Need Special Cover?

There is a large variety of two-wheelers made by Honda. Whether it is the busy city favourite, the highway cruiser or anything in between. A well-known scooter, such as the Activa, is softly engineered and has a smooth ride. A sports bike such as the CB Shine has sharp handling, an aggressive look and additional power. Repair expenses vary a lot. Spare parts and body panels come at different prices. The labour rates vary per city. They require plans that are constructed on their behalf. Generic cover will not do the trick. You need Honda bike insurance that knows your model and value.

Popular Honda Bike Models with Bike Insurance Price

Some of the best Honda vehicles and their annual insurance costs are listed below. Prices depend on the city, age of the bike and extras. These numbers are approximate intervals.

1. Honda Activa 6G (110 cc)
● Third-party bike insurance: ₹714 per year. ● Comprehensive bike insurance: from ₹3,892 per year.

2. Honda Activa 125
● Third party: 750-800/-
● Comprehensive: ₹4,200–₹4,500

3. Honda CB Shine (125 cc)
● Third party: 700-750/.
● Comprehensive: ₹3,800–₹4,300

4. Honda Unicorn (160 cc)
● Third party: 850-900.
● Comprehensive: ₹4,500–₹5,000

5. Honda Dio (110 cc)
● Third party: 720-770.
● Comprehensive: ₹3,900–₹4,200

These are premiums that have basic cover. The cost will vary with add-ons or high IDV (Insured Declared Value). Use these figures to plan your Honda bike insurance budget.

Coverage Under Honda Bike Insurance (Inclusions and Exclusions)

Learning about covers will enable you to select the finest plan.

Inclusions (What is paid by the policy)

1. Third-party liability: Covers damage and injury that you cause to other people. This is third-party bike insurance and is mandatory by law.
2. Own damage: Repair of your bicycle in case of an accident. This is part of comprehensive bike insurance.
3. Theft: In case your Honda bike is stolen, the policy will pay up to the IDV.
4. Natural disasters: Damage caused due to floods, cyclones and earthquakes is covered.
5. Man-made disasters: Riot, strike or malicious damage is included.

Exclusions (What is not covered)

1. Damage caused by riding while under the influence of alcohol or drugs.
2. Damage occurred during racing or stunting.
3. The accessories that are not stated in the policy.

Look in your policy booklet to identify exclusions. This will prevent unpleasant shocks on claiming.

How to Buy Honda Bike Insurance Online?

Buying bike insurance online is fast and easy. Follow these steps:

1. Visit our two-wheeler insurance page.
2. Enter bike information. Make = Honda, Model, year of registration, IDV.
3. Select cover. Pick third-party or comprehensive bike insurance.
4. Add add-ons. Take zero depreciation, roadside assist, engine protect, whatever you like.
5. Insert personal data. Name, Address, Contact number and Email.
6. Pay a premium. Net banking, UPI or a card can be used.
7. Download policy. Get PDF by mail. Store it in your phone.

In less than five minutes, you renew or purchase a new cover.

Honda Bike Insurance Add-ons

Add-ons increase your cover. They are more expensive, but worth it when you require them:

1. Zero Depreciation Cover : You are entitled to a full claim on parts replacement.
2. Roadside Assistance : 24 hours X 7 days assistance in case of breakdown, flat tyre, jump-start or fuel filling.
3. Engine Protect Cover :Covered internal engine damage as caused by oil leakage, water ingress or mechanical breakdown.
4. Consumables Cover : Buys brake pads, nuts, bolts and other small things.
5. Personal Accident Cover : Protects you or your family in case of injury or death of the rider in an accident.

Customise your ride with a mix and match of add-ons. The more add-ons you have, the higher your premium will be; however, the less you will have to pay out of pocket when making a claim.

How To Claim Honda Bike Insurance Online?

It is quick and hassle-free to file a claim online. Here’s how:

1. Report in less than 24 hours. Contact our helpline.
2. File a First Information Report (FIR) of theft or third-party injury.
3. Online fill claim form. Policy number, bike particulars and accident details.
4. Select a cashless garage. Choose any garage on the network list.
5. Submit documents. Upload FIR copy, policy copy, DL copy, RC copy and repair estimate.
6. Garage repairs the bicycle. Pay us directly. You just pay a deductible.
7. When reimbursement is involved, make payment to the garage first. After that, present the bills and receipts to us. Within 7-10 days, you will receive a refund into your bank account.

Claim Required Documents

Have these at hand when you claim:

1. Insurance policy copy (electronic or print)
2. Certificate of vehicle registration (RC)
3. Rider's Driving Licence (DL)
4. Theft or third-party injury FIR copy.
5. Garage repair estimate
6. Finally, repair bill and payment receipt
7. ID evidence (Aadhaar or Passport)

If you want to know more about Honda Dio and Activa, you can check our blog on Honda Dio vs Activa 6G: Compare Prices and Features.

Conclusion

Smooth engines, good mileage and easy handling, Honda bikes win loyal riders. However, life on the road is bumpy. Proper Honda bike insurance and Honda activa insurance keep you safe. You stay legal with third party bike insurance. You protect your bike with comprehensive bike insurance. You have an option to include additional layers such as zero depreciation, roadside assistance, and engine protection. Buying scooter insurance or two-wheeler insurance has never been easier. Claims are simple and mostly cashless if you stick to network garages. Keep your documents ready. Report incidents quickly. Upload scans. Ride free, ride covered. Now is the time to secure your Honda ride for worry-free journeys ahead.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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