Ather 450 Plus Insurance
Ather 450 Plus Insurance
With many people transitioning to electric vehicles due to rising fuel and maintenance costs, there has been a noticeable increase in the number of electric vehicles on the roads. Two-wheelers are a necessity in a country like India with a high concentration of population in cities and commercial districts and traveling time using traditional means increasing exponentially.
With most people traveling a maximum of 30-40 km every day for work and other reasons, electric two-wheelers have started appealing to the masses. Despite numerous options in electric two-wheelers, the Ather 450 Plus has carved a space for itself in the increasingly competitive segment due to its excellent build quality, impressive performance, powerful motor, and a range of features.
A third-party two wheeler insurance policy is mandatory in India as per the regulations of the Motor Vehicles Act, 1988. However, these policies do not offer coverage for damages to the insured vehicle. Hence, many bike owners opt for comprehensive insurance for two wheelers with third-party liability coverage and protection against damage to their bike due to various reasons. If you are planning to buy an Ather 450 Plus, then you can consider buying Ather 450 plus insurance that offers comprehensive coverage.
Many providers offer Ather two-wheeler insurance with varying features designed to cater to the needs of different bike owners. TATA AIG offers feature-rich Ather insurance to help you get the best protection for your Ather 450 Plus at affordable rates.
Purchase or Renew Ather 450 Plus Insurance Online with Tata AIG
Tata AIG offers a simple process to help you buy Ather insurance online. If you are an existing policyholder, then you can opt for Ather insurance renewal too.
Here are the steps that you can follow to buy or renew a comprehensive insurance policy from TATA AIG:
Visit our official website
Navigate to the Bike Insurance Page by clicking on All Products >> Bike Insurance
Enter the registration number of your Ather 450 Plus and choose one of these two options:
-Get Price: Click this button for buying a new Ather 450 Plus bike insurance policy
-Renew: Click this button for renewing your existing Tata AIG Ather 450 Plus insurance policy
Enter the details of your bike and other details as requested by the page
On the next page, you will have to choose the Insured Declared Value (IDV) of your Ather 450 Plus. IDV is the current market value of a vehicle that is used by insurers to calculate the sum insured by the policy. It also impacts the premium of the policy. If you choose a high IDV, the sum insured is high, and so is the premium. On the other hand, a low IDV results in a low sum insured and premium. Make sure that you choose the right IDV for your Ather 450 Plus.
A comprehensive policy allows you to customize it as per your needs by choosing add-on covers. However, these covers increase the premium of the policy. Hence, choose the ones that you need.
You will be required to provide details of any claims filed during the previous policy tenure if you are renewing your existing TATA AIG Ather 450 Plus insurance policy. If you have not filed any claim, then you will be eligible for a discount on the premium.
Tata AIG will make a final offer based on your selection
If you are comfortable with the amount, then you can pay the premium using any of the available digital payment methods
On receipt of the payment, a soft copy of the policy documents is emailed to you
Ather 450 Plus Insurance Cost – Your Premium Amount
When you buy a comprehensive bike insurance policy for your Ather 450 Plus, you are required to pay a premium for the policy term based on the features selected by you. At TATA AIG, we calculate the premium after analyzing a range of factors as described below-**
The two-wheeler- The engine capacity, make, and model of the two-wheeler play an important part in determining its coverage and premium amount. If you own a bike that is costly to repair and has expensive spare parts, then the premium would be higher than other bikes. Also, if your bike is old with spares available easily, then we might charge a lower premium since the repair costs of older bikes tend to be lower.
Insured Declared Value (IDV)- The sum insured is determined by the insured declared value (IDV) of the bike. As explained in the section above, if you choose a high IDV, then you would get a higher sum insured, but the premium would increase too, and vice versa.
Add-ons- We offer a range of add-on covers to help you customize the policy as per your needs. Each add-on cover offers a unique benefit but increases the premium amount.
Location- Some areas are accident-prone, like high-speed highways, complex junctions, etc. If you regularly ride through such places, then the chances of an accident or collision increase, increasing the premium. Also, if the place you park your bike has high instances of theft, then the premium will be higher.
Use our online bike insurance calculator to calculate your Ather 450 Plus insurance price seamlessly, from the comfort of your home.
Add-on Covers Available with Tata AIG Ather 450 Plus Bike Insurance Policy
Buy our comprehensive bike insurance plan and get a choice of 7 add-ons to extend your coverage.
Zero depreciation cover
Return to invoice cover
Roadside assistance cover
Consumables cover
Personal accident cover
Emergency medical cost cover
Additional third-party damage cover
Things Covered and Not Covered under Ather 450 Plus Insurance
Here is a list of things covered and not covered under an Ather 450 Plus bike insurance policy:
| Things covered under Tata AIG Ather 450 Plus Insurance | Things not covered under Tata AIG Ather 450 Plus Insurance |
|---|---|
| Third-Party Liability: Coverage against third-party liability, including death or injury to a third party, and damage to their property. | Normal Wear and Tear: Damages or losses due to normal wear and tear, such as tire wear, battery drain, etc., are not covered. |
| Own Damage: Coverage for damages to the insured two-wheeler due to an accident, fire, theft, or natural calamities. | Driving Without a Valid License: Claims arising out of an accident while driving without a valid license are not covered. |
| Personal Accident Cover: Coverage for personal injury or death to the policyholder while riding the insured two-wheeler. | Driving Under the Influence of Alcohol or Drugs: Claims arising out of an accident while driving under the influence of alcohol or drugs are not covered. |
| Add-on covers: Bike insurance add-on covers are additional coverage options that you can avail of to enhance the coverage provided under their basic two-wheeler insurance policy. | Intentional Loss: Claims arising out of intentional loss or damage caused by the policyholder are not covered. |
| Electrical or Mechanical Breakdown: Damages or losses due to electrical or mechanical breakdown are not covered, unless they occur due to an accident. | |
| War and Allied Perils: Claims arising out of war or allied perils, such as war, invasion, acts of foreign enemies, civil war, rebellion, etc., are not covered. | |
| Loss or Damage Due to Lack of Maintenance: Claims arising out of loss or damage due to lack of maintenance or proper care are not covered. | |
| Geographical Limits: Claims arising outside the geographical limits specified in the policy are not covered. |
Why Is It Important to Have an Ather 450 Plus Insurance Plan from Tata AIG?
Comprehensive Coverage- Tata AIG's Comprehensive Two-Wheeler Insurance policy provides coverage for damages to the insured bike, third-party liabilities, and personal accidents.
Add-On Covers- Policyholders can choose to avail of several add-on covers, such as Zero Depreciation, Engine Protect, NCB Protector, etc., to enhance the coverage provided under their basic policy.
Easy Claims Process- Tata AIG offers an easy and hassle-free claims process, with a network of garages and cashless facilities across India. Policyholders can file their claims online, and the company provides 24x7 assistance to help with the process.
Affordable Premiums- Tata AIG offers competitive and affordable premiums for its bike insurance policies, and policyholders can choose from several payment options to suit their needs.
Personal Accident Cover- Tata AIG's Comprehensive Two-Wheeler Insurance policy provides personal accident cover for the policyholder, offering financial protection in case of death or permanent disability due to an accident.
Wide Network of Garages- Tata AIG has a wide network of garages across India, making it convenient for policyholders to avail of cashless services in case of a claim.
24x7 Customer Support- Tata AIG provides round-the-clock customer support, making it easy for policyholders to get assistance or clarify any doubts they may have.
Overview: Ather 450 Plus
Bengaluru-based Ather Energy is an electric vehicle manufacturing company that creates vehicles for the Indian market. It launched its first electric two-wheeler in 2018 and has two models available today. The Ather 450 Plus is its latest model, packed with a range of features and benefits for Indian riders. Here is a look at the specifications of the Ather 450 Plus:
| Feature / Specification | Details | Benefits |
|---|---|---|
| Motor | PMS electric motor | The permanent magnet synchronous (PMS) electric motor ensures quick acceleration, making it ideal for city traffic. |
| Battery | 2.9 kWh Lithium-ion | Charges quickly and offers a long-range, making it perfect for daily use |
| Range | 85 km (Eco mode) | Removes the need for charging frequently |
| Top Speed | 80 km/h | Beats many petrol scooters too! |
| Acceleration | 0-40 km/h in 3.9 sec | Ensures safe maneuvering and overtaking |
| Brakes | Disc brakes (Front and Rear) | Offers better control in tricky situations |
| Suspension | Telescopic (Front) and Monoshock (Rear) | Regardless of the surface, you get a smooth ride |
| Tires | 12-inch alloy wheels with tubeless tires | Reduces the risk of punctures and ensures better grip on the road |
| Display | 7-inch touchscreen dashboard | Offers essential information to the rider |
| Navigation | Integrated with Google Maps | The world’s first scooter with an integrated Google Maps option |
| Connectivity | 4G LTE and Bluetooth | Allows you to stay connected on-the-go |
Ather 450 Plus Variants and Prices
| Variants | Ex-showroom Price Delhi |
|---|---|
| 450 Plus Gen 3 | Rs. 1.52 Lakh |
Unique Selling Points: Ather 450 Plus Features
Here are some unique selling points and standout features of the Ather 450 Plus-**
Performance- The PMS electric motor is capable of delivering a high torque output. This allows you to accelerate in no time and overtake with ease. For an electric scooter, this is a huge benefit.
Range- If you ride in the Eco mode, one battery charge can take you around 85km without having to recharge the battery. This is more than sufficient for a regular city commute.
Charging- You can charge using a mounted charger at home or a portable charger. You can charge your scooter from 0-100 in around five hours.
Speed- While many people assume that electric scooters have lower top speeds, the Ather 450 Plus delivers a top speed of around 80 km/h, which is faster than many petrol scooters too!
Smart features- A touchscreen dashboard, integrated Google Maps, connectivity using Bluetooth and 4G LTE, and OTA updates are some of the segment-best features offered by the Ather 450 Plus.
Comfort- Suspension and brakes are designed to offer optimum control and comfort to the rider.
Design- The Ather 450 Plus turns heads. With an aerodynamic body, a minimalistic look, LED lighting, alloy wheels, and a range of color options, riding an Ather 450 Plus is a style statement.
Top 3 Rivals of Ather 450 Plus
Komaki TN-95
PURE EV ETrance Plus
Avon E Scoot
Other Models
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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Frequently Asked Question
1. Does Tata AIG Ather insurance policy cover consequential damages?
No. Your Tata AIG Ather insurance policy does not cover any damages that occurred as a consequence of your own negligence. We only cover cases that are the direct outcome of an accident.
2. Is it necessary to include add-ons to my second-hand Ather 450 bike?
Add-ons are not mandatory. You may purchase them according to your need. You can incorporate them in your comprehensive Ather two-wheeler insurance coverage if you believe they'll add value to your two-wheeler.
3. Is it possible to pay insurance payments for ten years in a row rather than every year?
A ten-year policy isn't yet in effect. Furthermore, norms and regulations are always changing. As a result, paying an advanced ten-year premium is not a good idea. It'll also necessitate a significant outlay of funds while purchasing the two-wheeler upfront.
4. Can I insure my Ather electric scooter online without the aid of a professional?
It is simple to obtain two-wheeler Insurance online with Tata AIG. You won't be requiring any assistance from a professional when you visit our official web portal. Everything from policy inclusions and exclusions to features is stated in a clean and clear-cut way, ensuring you make an educated decision. You can also get assistance from our customer service team if necessary.
5. Is the price of third-party two-wheeler insurance the same across every insurance carrier?
Yes, the price of third-party coverage is consistent among insurers. The IRDAI (Insurance Regulatory and Development Authority of India) has set this premium. Because the premium isn't a differentiating element, in this case, you may evaluate insurance carriers according to their service quotient.
6. Is it permissible for me to file several Insurance claims within the plan period?
Yes, depending on the terms and conditions of your chosen policy, you may file several insurance claims within your policy term.
7. What do the terms "Inclusions" and "Exclusions" in a two-wheeler insurance policy mean?
An insurance plan's inclusions and exclusions describe the scope of the policy coverage. By reading the insurance plan's list of inclusions and exclusions, you may determine which scenarios are as well as not covered by the insurance plan.
Can I drive an electric scooter like Ather 450X in the rain?
Yes, the Ather 450X is water-resistant. Hence, you can ride it comfortably in the rain. However, make sure that you avoid driving through flooded areas with deep water.
Will the insurance premium for my Ather 450X increase every year?
The premium of the insurance policy for your Ather 450X depends on many factors like its age, coverage amount, add-on covers, driving history, claims filed, etc. If you haven’t filed a claim, then you can avail of the No Claim Bonus discount and reduce the premium amount. There is no mandate to increase the premium amount every year. While the premium for third-party bike insurance policies is determined by the IRDAI, the increase or decrease in premium rates depends on the decisions made by the government.
What is the ARAI range of the Ather 450X?
The Ather 450X offers an ARAI-certified range of around 116 km per charge.
Disclaimer: All the bike prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.
. What kind of insurance policy is recommended for the Ather 450 Plus?
In India, you need to have a minimum third-party liability policy for your Ather 450 Plus. However, since these policies do not cover damages to your bike, we recommend considering a comprehensive insurance policy instead. These policies cover third-party liabilities plus damage to your bike due to accidents, mishaps, fires, theft, man-made calamities, or natural disasters.
Does the Ather 450 Plus insurance policy cover damage to the battery?
Yes, most comprehensive Ather 450 Plus insurance policies cover damages to the battery too. However, we recommend that you go through the policy documents carefully to understand the terms and conditions surrounding the coverage, as well as the scope and extent of the coverage, before buying.
What is the range of the Ather 450 Plus?
The Ather 450 Plus offers a range between 70-85 km per charge.
Disclaimer: All the bike prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.
