Aprilia RS 457 Bike Insurance

The Aprilia RS 457 is built entirely on an aluminium frame to keep the weight low at 159 kg, which enables its unusually high power-to-weight ratio. The bike is powered by a 457cc, liquid-cooled, front-mounted, twin-cylinder engine capable of generating 35 kW of horsepower, the maximum allowed for a bike that one can ride with an A2 licence.

In addition, the Aprilia RS 457 features 41mm USD forks and adjustable monoshocks to enable the sharpest cornering and excellent handling. It also comes equipped with a range of electronics, including dual-channel ABS, ride-by-wire throttle, anti-rollover systems, and multiple ride modes. These can be managed via a five-inch TFT instrument cluster.

• Maximum Power: The Aprilia RS 457 generates up to 35 kW of power from its engine, the maximum permissible amount for a bike that you can ride with an A2 licence.
• Adjustable Suspension: This includes a 41 mm fork with 120 mm travel and a preload adjuster, and an adjustable rear monoshock for sharp and personalised handling.
• Lightweight Frame: This sports bike features an aluminium chassis that includes the engine as a load-bearing structure.
• Advanced Electronic Features: The bike offers three riding modes, ride-by-wire functionality, quickshift electronic gear, and dual-channel ABS for safety.
• Distinctive Design: The RS 457 is designed to look elegant and aggressive with bold colours, refined materials, a distinctive livery, front double fairings and a stylish 2-in-1 exhaust.

Bike insurance plans cover the financial cost of repairs and replacement due to damage or loss from a variety of risks, such as accidents, theft, fire, natural disasters or third-party liabilities. At TATA AIG, we offer a variety of bike insurance options catering to different needs and budget requirements.

Third Party Bike Insurance

TATA AIG’s Third Party Bike Insurance provides affordable coverage against liability arising out of third-party property damage, injuries or death. All riders must have third-party coverage to legally drive on Indian roads. We make it easy to get continued coverage with multi-year plans, including standalone plans for 3 years and 5 years and bundled plans with 5-year third-party cover and 1-year own damage cover.

Own Damage Bike Insurance

TATA AIG’s Standalone Own Damage Bike Insurance Plan provides complete coverage against damage to your own motorcycle at competitive prices. It covers repair and replacement costs for damage or loss due to accidents, theft, riots, strikes, vandalism, floods, earthquakes and other risks. Our OD bike insurance plan offers benefits like a No Claim Bonus up to 50%, quick online claims and IDV-based settlements.

Comprehensive Bike Insurance

TATA AIG’s Comprehensive Bike Insurance Plan offers cost-effective and full protection against both third-party liabilities and own damage. It also provides personal accident cover and a wide range of add-ons to further optimise your coverage with a single premium payment. Getting the comprehensive plan gives you benefits like savings of up to 80% on premiums, No Claim Bonus up to 50%, 12+ unique add-ons and more.

• Protection Against Own Damages: Riding a bike exposes you to the risk of accidents, theft, vandalism, riots, fire, and natural disasters like cyclones, floods and earthquakes. Damage or losses due to these can cost lakhs of rupees, especially if you have a premium bike like the Aprilia RS 457. This makes insurance necessary.
• Protection Against Theft: Bike thefts have increased across the country in recent years. Since premium bikes like the Aprilia RS 457 carry a high risk of being targeted by malicious actors, it’s better to stay safe with Aprilia RS 457 bike insurance. The insurance plan covers the full cost of replacement with some caveats.
• Legal Compliance: The Motor Vehicles Act, 1988, makes it mandatory for all bikes to have at least third-party insurance coverage. Failure to comply with this regulation will result in hefty fines and other serious consequences if you are caught by the traffic authorities. Getting a bike insurance plan lets you ride your Aprilia sports bike stress-free.
• Protection Against Third-Party Liabilities: Damage caused by your bike can lead to substantial costs if you cause an accident. An unfavourable court judgement can completely deplete your finances. With a third-party or a comprehensive plan, you can cover injuries, property damage, legal defence and death.
• Personal Accident Cover: As per IRDAI’s rules, motor insurance plans must provide personal accident cover mandatorily. This provides compensation to family members in case of the bike owner’s death or permanent disability. TATA AIG offers personal accident cover up to ₹15 lakhs with our bike insurance plans.

• Attractive Discounts: TATA AIG offers a variety of discounts on Aprilia RS 457 insurance premiums. This includes the No Claim Bonus, which provides yearly discounts for every claim-free year and up to 80% discounts on online purchases and renewals.
• Quick and Convenient Processes: Whether you are buying a new plan or renewing your existing bike insurance, all processes are instant and hassle-free on the TATA AIG website. You can also file claims online and view policy documents.
• Variety of Coverage Options: We offer multiple types of bike insurance plans and multiple customisation options. You can opt for 12+ add-ons to enhance your coverage and select Insured Declared Value and policy tenure to get the perfect policy.
• Extensive Cashless Garage Network: When you buy our bike insurance for the Aprilia RS 457, you get access to a network of 5300+ cashless garages across India. We have network garages in every major city where you can get your bike repaired without paying any cash upfront.
• Reliable and Trustworthy Insurer: With an experience of 25 years as an insurance provider, we have established our reputation as a reliable and credible brand. We ensure to maintain a high Claim Settlement Ratio (CSR) and low turnaround time.
• Complete Transparency: We offer a variety of tools, including premium calculators and comparison tools that let you compare bike insurance plans with detailed cost breakdowns. There are no hidden terms, and all our limits are clearly stated in the Policy Wording document.

A bike insurance policy is essentially a contract between an insurance company and a policyholder where the former makes payments to the latter in case the insured vehicle is lost or damaged. Here’s how it works:

Step 1: Policy Purchase

First, you choose which policy type you want and coverage options, including add-ons. Then, you pay the premium amount to complete your purchase and get insurance coverage for a certain time.

Step 2: Policy Documentation

Upon purchase, the insurer will provide you with certain policy documents detailing the terms, limits, inclusions and exclusions of your purchased plan.

Step 3: Filing Claims

Once you incur damage or loss due to an accident or theft, inform the insurance company and file your claim. File the claims form on the insurer’s web portal and attach the required documents.

Step 4: Claim Settlement

Following verification, the insurance company will either settle your repair bills directly with the garage (cashless claim) or reimburse what you have already paid (reimbursement claim).

Inclusions Under Aprilia RS 457 Insurance

1. Accident and Transit Damage: The policy covers accidental damage and damage incurred while transporting the bike via road, rail, air or waterways.

2. Fire-Related Damage: All fire-related damage, including self-ignition, explosions and lightning-related damages are covered.

bold text It covers damage or loss due to floods, earthquakes, cyclones, typhoons, hurricanes, landslides, hailstorms, and other natural events.

4. Manmade Disasters: This covers riots, strikes, vandalism, terrorist acts and other malicious acts.

5. Theft: If your bike is stolen or completely lost, the insurance policy reimburses its current market value.

6. Personal Accident Cover: It covers medical expenses for accident-related injuries or a fixed compensation to loved ones in case of the owner-driver’s death.

7. Third-Party Liability: Third-party plans and comprehensive plans cover property damage, injuries and death of third parties caused by the insured vehicle.

Exclusions Under Aprilia RS 457 Insurance

1. Restricted Activities: Damages caused by racing, speed tests and reliability trials are not covered.

2. Negligence: Negligent usage, such as riding the bike in a flood-prone area, is excluded under this plan.

3. Not Following the Law: This excludes damage due to riding without a helmet or a valid driving licence or driving while being intoxicated.

4. Wear and Tear: All general wear and tear, depreciation, consequential damage, and electrical/mechanical damage due to ageing are excluded.

Disclaimer: The above lists are not exhaustive, and the inclusions and exclusions are subject to policy terms and conditions. Read the Policy Wording document carefully to know more.

1. Roadside Assistance: The Roadside Assistance Add-On provides immediate assistance to your location for breakdowns, flat tyres or other emergencies. It provides on-the-spot repairs, fuel support, battery jumpstart and towing services.

2. Emergency Medical Expenses: This add-on covers the cost of medical treatment and ambulance charges in case of an accident with the insured two-wheeler. It covers both the driver and the pillion rider.

3. Depreciation Allowance: Also called the Zero Depreciation Cover, this add-on pays for the difference between the base claim amount and your repair/replacement costs. This helps to cover the cost of the depreciation of bike parts.

4. Engine Secure: The Engine Secure Add-On covers the repair costs of engine parts, gearbox and transmission due to damage from oil leakage or water ingress. It also compensates for lubricating oil and other consumables used during repairs.

5. Return to Invoice: The Return to Invoice Cover pays the total invoice value of your bike for theft, total loss or constructive total damage. It pays the on-road price, including first-time registration charges and road tax.

6. Tyre and Rim Secure: This add-on covers damage or loss to bike tyres, tubes and wheel rims due to accidental damage, potholes or road debris. Up to two tyre replacements and rim-related claims are allowed during the policy tenure.

7. Consumable Expenses: The Consumable Expenses Add-On covers the repairing or replenishing of certain bike consumables, such as engine oil, lubricants, grease, oil filter, distilled water, nuts and bolts, screws, washers, etc.

8. Electric Surge Secure: This add-on covers the repair and replacement cost of electric bikes, including their charging equipment. The cover activates if the damage is due to electrical issues like arcing, overheating, short-circuiting or electrical leakage.

9. Depreciation Allowance- Battery: With this add-on, you can get the full claim amount covered for an EV bike, as it covers the depreciation deduction on EV batteries. This is useful for electric vehicles because EV battery costs are substantial.

10. Additional Personal Accident Cover for the Owner-Driver: The Additional Personal Accident Cover provides additional insurance benefits to you or your loved ones in case of accident-related injuries or fatality. This coverage is over and above standard policy limits.

11. Additional Personal Accident Cover to Unnamed Persons: In the case of accident-related injuries or death, this add-on provides additional payout to anyone travelling or riding other than the owner. The add-on limit extends to ₹5 lakhs.

12. Additional Third Party Property Damage: It covers additional liabilities for third-party property damage (not owned or held by you) over and above the standard limits of third-party or comprehensive plans.

• Type of Insurance Policy: The best insurance type depends on your coverage needs and budget. While third-party plans are the most basic and mandatory, OD and comprehensive plans offer essential risk protection.
• Premium Costs: Aprilia RS 457 insurance costs India depend on your chosen plan type, coverage, add-ons, and factors like the bike’s engine capacity, location and your driving records. Ensure to compare the costs and benefits before choosing a plan.
• Insured Declared Value: The Insured Declared Value, or IDV, is the maximum limit covered by your insurance company. A higher IDV increases the potential payout but also increases the premium. Use the IDV calculator to estimate your bike’s IDV.
• Riders or Add-Ons: Riders or add-ons are additional features that can be added to your base insurance plan for extra costs. Before choosing a bike insurance plan, check if the insurer offers the add-ons you want and their costs.
• NCB and Other Discounts: No Claim Bonus is a yearly discount offered for not making claims in the previous year. Compare the NCB bonus and discounts for online purchases, safety devices and other bonuses before buying bike insurance India.

Step 1: Scroll up to the top of this page. Then, enter your bike’s registration number and click on ‘Get Price’ in the purchase window.

Step 2: Enter the required details, including personal and bike-related information.

Step 3: Select a plan type, coverage and include add-ons as per your needs.

Step 4: Check the quotes for Aprilia RS 457 insurance premium based on your inputs. If you find a plan you like, complete the payment process to finalise your purchase.

Step 1: Scroll up to find the ‘Renewal’ menu and click on ‘Bike’ for fast Aprilia RS 457 bike insurance renewal.

Step 2: Enter either your existing policy number or bike registration number once prompted on the screen.

Step 3: Review the updated policy details. Modify the coverage or include add-ons as per your needs.

Step 4: Complete the online payment to renew your bike insurance plan.

The Aprilia RS 457 insurance premium is determined mainly by the type of plan you have chosen, your bike’s Insured Declared Value (IDV) and the cost of selected add-ons. You can get accurate estimates of the price using the online bike insurance calculator. Simply enter the required details, and the calculator will show the premium amount.

Third-Party Bike Insurance Premium

The Third-party Aprilia RS 457 insurance cost India is determined by the Insurance Regulatory and Development Authority of India (IRDAI). It is the same rate for every insurance company and depends on the bike’s engine capacity (in cubic centimetres).

Comprehensive Bike Insurance Premium

The premium of a comprehensive bike insurance plan is the total of the own damage premium, third-party premium, personal accident cover premium and any add-ons you have chosen. No Claim Bonus and other discounts are deducted from the final premium.

Step 1: Inform TATA AIG as soon as possible and file your claim via the Claims Support Page or call us on our helpline (1800-266-7780).

Step 2: Provide the necessary information when prompted. Once you receive the self-inspection link on your registered mobile number, upload details of your damages.

Step 3: Wait for the TATA AIG-appointed surveyor to reach you and inspect your vehicle to prepare a damage report.

Step 4: If you have a network garage near your location, take your Aprilia RS 457 there for cashless repairs. Alternatively, you can pay for repairs on your own at a non-network garage and claim reimbursement.

Step 5: Submit the claim-related documents upon request, including the claim form, RC copy, ID proof, repairs bills, etc.

Step 6: Save the Claim Registration Number and use it to track the status of your claim.

Step 7: Upon successful verification, we will settle your claim either directly with the garage or pay the reimbursement to your account.

• Duly filled claims form signed by the insurer
• Copy of bike registration certificate
• Tax payment receipt for your bike
• Copy of ID proof (Aadhaar card, driving licence, PAN card)
• Copy of original policy documents
• Original estimate receipt and invoices
• RTO transfer documents
• Invoices and payment receipts for non-network garages
• FIR copy for thefts, third-party injuries, damage or death
• No Trace Report and letter to the RTO for thefts
• Legal notice for third-party claims

The Aprilia RS 457 comes in two variants- standard and GP Replica, and six different colours. Here are their prices:

Disclaimer: Note that the prices change with time, different cities and dealerships. Check with official sources and dealerships before making a purchase.

The Aprilia RS 457 contains various essential components that need to be insured to cover repair and replacement costs:

• Bike Engine: As the ‘heart of the bike’, the engine generates power by burning fuel. The RS 457’s liquid-cooled parallel-twin engine delivers high performance across a wide rev range.
• Gearbox: The gearbox is a set of gears located between the engine and the rear wheel that regulates the engine RPM and torque. The Aprilia bike’s gearbox is essential for changing speeds.
• Clutch: The clutch is responsible for engaging and disengaging the transmission from the engine. Keeping the clutch in good condition is essential for smooth gear and brake operations.
• Suspension: The suspension system includes the springs, dampers and linkages connecting the bike wheels to the frame. The RS 457’s adjustable suspension ensures sharp handling and good ride comfort.
• Electronics: This includes the bike’s instrument cluster and electrical systems that manage power, safety and ignition. The RS 457 features a range of electronics, including a backlit switchgear, a five-inch instrument cluster and dual-channel ABS.

The Aprilia RS 457 is an entry-level supersports bike that comes from a long line of MotoGP racing track bikes. While it retains most of the features of higher-end modern superbikes, its light weight, sharp handling and ease-of-use make it ideal for beginners and young riders alike. It also features decent mileage and is fun to ride on a daily basis.

The exclusive nature and expensive repair costs of this premium sports bike make Aprilia RS 457 insurance a necessity and not a choice. Explore TATA AIG’s top-rated bike insurance plans to safeguard your premium purchase and ride it stress-free.