Why the Model Matters for Bike Insurance
Third-party premium is fixed by IRDAI purely on engine capacity, so that part is identical across insurers for a given cc band. But your comprehensive premium — and how much add-ons like zero depreciation actually save you — depends entirely on your specific model's IDV, parts cost and theft profile. Below is a segment-by-segment breakdown for two-wheelers commonly seen on Indian roads in 2026.
Commuter Scooters — Activa, Access, Jupiter
India's highest-volume segment. Cheapest to insure, with excellent parts availability and garage network coverage everywhere.
Honda Activa 6G Insurance
India's best-selling scooter — near-universal cashless garage support and fast claims processing.
Honda Activa 125 Insurance
Slightly higher IDV than the 6G; same excellent network coverage.
Suzuki Access 125 Insurance
Popular alternative to the Activa with a similar cost and coverage profile.
Commuter Motorcycles — Splendor, Shine, Glamour, Unicorn
The backbone of Indian two-wheeler ownership — low IDV, low premium, and the cheapest segment to insure comprehensively.
Hero Splendor Insurance
India's best-selling motorcycle for decades — third-party-only is common for older units past resale value.
Honda Shine Insurance
Strong resale value in this segment; NCB protection is worth it given typical multi-year ownership.
Honda SP 125 Insurance
Premium commuter tier — slightly higher IDV than the base Shine.
Honda Unicorn Insurance
Similar profile to the SP 125; check current model-year IDV with your insurer.
Hero Glamour Insurance
Mid-tier commuter; parts and garage availability are excellent nationwide.
Performance Commuters — Pulsar, Apache, FZ
Higher IDVs than base commuters, with more plastic fairing and performance parts that make zero depreciation worth considering.
Bajaj Pulsar 150 Insurance
India's longest-running performance commuter nameplate — wide parts availability keeps repair costs reasonable.
Bajaj Pulsar N160 Insurance
Newer, higher-spec Pulsar variant with a correspondingly higher IDV.
Bajaj Avenger Insurance
Cruiser-style Pulsar variant; similar repair profile to the standard Pulsar range.
Bajaj Dominar Insurance
Bajaj's premium tourer — zero dep and engine protect are worth prioritising given the higher IDV.
TVS Apache RTR 160 Insurance
Popular performance commuter with strong resale value in this segment.
TVS Apache RTR 200 Insurance
Higher-spec Apache variant; consider zero dep given the sportier bodywork.
Yamaha FZ Insurance
Long-running naked-street segment leader with good parts availability.
Sports & Premium — R15, MT-15, KTM Duke/RC
The highest IDVs in the mass two-wheeler market, with the most exposed fairing and performance components. Zero depreciation is strongly recommended across this entire segment.
Yamaha R15 Insurance
Fully-faired sports bike — a minor fall can mean expensive fairing replacement without zero dep.
Yamaha MT-15 Insurance
Naked-street sibling to the R15 with a similar repair cost profile.
KTM Duke Insurance
Premium Austrian marque sold via Bajaj network — confirm parts availability at your local garage before buying.
KTM RC Insurance
Fully-faired flagship — among the highest-IDV motorcycles in this comparison.
Royal Enfield — Classic, Hunter, Bullet, Meteor
A segment of its own: high resale demand and strong enthusiast culture mean these models carry a genuinely elevated theft profile in some cities, making anti-theft devices and adequate IDV especially important.
Royal Enfield Classic 350 Insurance
India's most popular mid-capacity cruiser — high resale demand for parts makes anti-theft cover worthwhile.
Royal Enfield Hunter 350 Insurance
Newer, more affordable entry into the Royal Enfield range with a slightly lower IDV than the Classic.
Royal Enfield Bullet Insurance
Long-running nameplate with excellent nationwide parts and garage support.
Royal Enfield Meteor 350 Insurance
Cruiser-focused variant; similar IDV profile to the Classic 350.
Royal Enfield Himalayan Insurance
Adventure-touring model — confirm your policy covers off-road and long-distance touring use if relevant.
Sporty Scooters — Ntorq, Raider, Burgman
TVS Ntorq Insurance
Performance-oriented scooter segment leader with a higher IDV than standard commuter scooters.
TVS Raider Insurance
Sporty commuter motorcycle from TVS with strong recent sales growth.
Suzuki Burgman Insurance
Premium maxi-scooter segment — check parts lead times with your insurer's network garages.
Adventure & Off-Road — Hero Xpulse
Hero Xpulse Insurance
Entry-level adventure motorcycle — confirm your policy covers off-road/trail use if you ride beyond paved roads.
Frequently Asked Questions
Does the bike model affect my insurance premium?
Yes. Engine capacity is the biggest factor for third-party premium (fixed by IRDAI in cc bands), while IDV — and therefore own-damage premium — depends on the bike's ex-showroom price and age. A Royal Enfield Classic 350 has a far higher IDV than a Hero Splendor, so its comprehensive premium and the value of add-ons like zero depreciation are proportionally higher too.
Is Royal Enfield insurance more expensive than other bikes?
Yes, proportionally — Royal Enfield's higher ex-showroom prices mean a higher IDV and higher own-damage premium than mass-market commuters like the Splendor or Activa. Theft risk and resale demand for parts also tend to be higher for popular Royal Enfield models, making zero depreciation and anti-theft device discounts worth prioritising.
Do sports bikes like the Yamaha R15 or TVS Apache cost more to insure?
Yes — performance bikes like the R15, Apache RTR series and KTM RC/Duke range carry higher IDVs and often higher repair costs for fairings and performance parts, so zero depreciation cover is particularly valuable here given how much plastic bodywork is exposed in a fall or minor collision.
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