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Important Things to Remember When Buying Two Wheeler Insurance for Sports Bike

  • Author :
  • TATA AIG Team
  • Published on :
  • 06/09/2023

When the words "super" or "sports" are added to the word "bikes," an image of a hulking, fast bike with a distorted background immediately comes to mind. Sport bikes do suggest quickness, agility, and aesthetic allure. Nevertheless, riding a bike like that carries a certain amount of risk, necessitating insurance. Because of the speed and aesthetics that make sports bikes and superbikes so desirable, purchasing sports bike insurance is much more crucial. It also needs to be kept in mind that sports bikes are not the safest while driving. They often compromise safety for speed and attractiveness. Add to the condition of Indian roads, which can be a recipe for trouble. This is why before you buy a sports bike in India, you need to look at sports bike insurance quotes and get the right one to protect you.

Anyone interested in buying a sports bike will know how much a sports bike is in India. However, when making that investment, you must ensure that you're protecting it. This protection comes in the form of an insurance policy for your bike. The best thing is that the insurance policy for your bike protects the bike and you. You can buy your 2-wheeler insurance online and drive your bike easily, knowing that you will be taken care of should anything go haywire. The only thing left to do then is to find the right insurance policy for your bike.

To purchase 2-wheeler insurance online, you should consider Tata AIG’s two-wheeler insurance policy. When you purchase a policy with us, you can compare and decide which one is best for you. You can buy both comprehensive and third-party bike insurance online. Our 2-wheeler insurance online is easy to buy and maintain. So when you think of insurance, think Tata AIG!

With that said, let's understand some things about purchasing sports bike insurance.

Important Pointers About Sports Bike Insurance

Sport bikes don't come cheap, and for the owner it becomes absolutely necessary to protect his bike against accidents like theft, damages from natural disasters, or vandalism. Therefore, purchasing bike insurance with greater coverage becomes necessary if you possess a superbike. However, sports bike insurance is slightly different from a regular one. Thus, there are certain things you need to keep an eye out for.

Sports Bike Insurance Cost

Sports bike insurance premiums are often determined by the insurance companies using criteria such as how old the bike is, brand, cubic capacity of the motor, installed safety measures, etc. Additionally, insurers consider the bike's year of manufacture, fuel type, changes made, kilometres travelled, and the price at the time of purchase. Also, given how much a sports bike is in India, the sports bike insurance quotes will be greater.


Comprehensive insurance offers several practical supplemental coverages. In addition, this policy can be purchased with add-ons including Zero Depreciation, Breakdown Cover, Engine Protection, Pillion Rider Coverage, NCB Protect, etc. Every Add-on must be chosen while considering its applicability to specific needs. However, you must keep in mind that sports bike insurance costs increase with each add-on, so you must make your choices accordingly.

Zero-Depreciation Cover

When someone makes a claim under basic bike insurance coverage, not all bike repair costs are covered. In most cases, the insurance companies pay back the cost of repairing a sports bike after subtracting a specific sum according to the bike's current market value and damage. In addition, the owner of a sports bike is shielded from depreciation by the zero depreciation cover. This is one of the most popular add-ons for two-wheeler policyholders because they receive the total claim amount, which is a significant sum given the cost of such a bike.

Comprehensive Insurance

Given the cost of a sports bike, any harm to them could result in significant repair costs. Therefore, simple bike insurance is insufficient for sports bikes even though it covers the most fundamental damages. For greater benefits, sports bike riders need comprehensive insurance. Comprehensive insurance, which offers stronger coverage than the minimum third-party cover that protects the third-party people from any physical harm or death penalties, can be a big benefit. The standalone coverage offers a wide range of benefits at a low cost, including substantial protection from minor or large damages.

Greater Incidence of Theft

A sports bike is very alluring to look at. In addition to the original sporty design, many riders accentuate the appeal of their sports bikes with additional accessories. Unfortunately, the bike is more likely to be stolen as a result. As a result, bike insurance companies raise the premium costs for all sports bike insurance.

Customised Plans

Every sport bike is different from the next bike. When you buy a sports bike, you need to know how to take care of it properly. We know that buying bike insurance is the right way to protect your bike. However, buying just any bike insurance is not enough when you have a sports bike. You need to buy a plan that can give you the right kind of coverage and offers you the specialisations your bike demands. No one knows your bike better than you do. So when you are buying your insurance plan, ensure that you are buying one that has all the features you are looking for and gives you adequate coverage.

Pillion Rider Cover

While driving a sports bike, the motorist's safety and the protection of the passenger are crucial, as is coverage for both. In the event of incapacity or death, a pillion rider add-on protection gives an indemnity to the passenger or their family. Many sport bike riders travel with a passenger. However, they are not covered by standard two-wheeler insurance. This addition is the best approach to safeguard your backseat passengers, especially since the chances of accidents are higher where a sports bike is concerned.


Now that you know all the important things about a sports bike, you can make better decisions when buying insurance. While remembering sports bike insurance is expensive, do not allow yourself to be overcharged. Compare policies and find the one that is the best option for you.

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Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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