Ather Insurance

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Ather Insurance

Electric bikes or e-bikes are no longer only an idea. These bikes are being used by people in metropolitan areas. They mix smoothly, making it impossible to tell the difference between an e-bike and a fuel-powered bike with a single glance. These bikes are fashionable, convenient, and environmentally friendly. Keeping that in mind, Tarun Mehta and Swapnil Jain established Ather Energy Pvt. Ltd. in the year 2013.

Ather Energy is a two-wheeler company in India that specialises in the production of electric scooters and bikes. As more four-wheeler and two-wheeler manufacturers are shifting to produce electric automobiles, Ather Energy has turned out to be one of the most innovative, independent, and significant players in this domain.

If you want to switch to an e-bike or e-scooter but aren't sure which brand to choose, look no further than Ather. Ather bikes are known for their excellent features and long-lasting batteries.

Now, you may wonder if you require two-wheeler insurance for electric bikes. Here is the answer to that. According to the 1988 Motor Vehicles Act, it's required to have a minimum of basic third-party two-wheeler insurance in order to ride on Indian roadways. However, if you are riding an e-bike that produces less than 250W of power and does not go beyond 25Kmph, you do not need any insurance for your bike legally. But if you are driving an Ather electric scooter, you will require bike insurance because these bikes are powerful and fast.

When you purchase an Ather electric scooter or bike, you also have the option of purchasing standard third-party Ather bike insurance or comprehensive Ather Insurance. Most Indian bikers tend to choose the latter one since it provides all-around protection. At Tata AIG, you'll get the greatest Ather insurance for your Ather bike or scooter at competitive rates.

Ather Insurance Renewal or Purchase under Tata AIG

If an individual wishes to do Ather insurance renewal or purchase online, you may do so by visiting our official website. We have kept a very straightforward and painless process so that you don't have to stress over or get confused when it comes to renewing or purchasing your Ather insurance online.

Here are the procedures for purchasing or renewing Tata AIG insurance for two-wheelers:

  • Visit our website's "Bike Insurance" section.
  • Insert your two-wheeler's vehicle registration number. Then, select the "Get Price" button to purchase a new Tata AIG two-wheeler insurance policy, or if you wish to do a bike insurance renewal online, simply click the "Renew" option.
  • The Tata AIG two-wheeler insurance premium calculator online will retrieve vital information about your two-wheeler and its current insurance coverage. Following that, you should input your two-wheeler's IDV (Insured Declared Value).
  • Punch in information about your insurance claims and any NCB accumulated on your two-wheeler insurance plan.
  • To calculate your Ather two-wheeler insurance premium cost, you can click on the "Get Price" button.
  • Check the final quotation for your two-wheeler insurance online and make online payments using our transparent and secure payment system.
  • Get your two-wheeler insurance plan paperwork in both your email and WhatsApp inbox.

Well, the entire procedure is customer-centric and time-efficient, allowing you to quickly choose and purchase or renew your two-wheeler insurance coverage. As a result, if you decide to get a Tata AIG bike insurance policy, you'll be able to accomplish it in a timely and convenient manner.

Ather Energy Insurance Price - Your Premium Rate

The bike insurance premium cost is determined by a variety of criteria. It includes the kind of insurance plan you choose, the two-wheeler's make and model, etc. For example, if you purchase a third-party two-wheeler insurance plan, the premium is determined by two factors: your two-wheeler's engine cubic capacity as well as the yearly bike insurance rates set by the IRDAI.

However, if you choose a comprehensive two-wheeler insurance plan, you will have substantial coverage at a higher price. The rate for your comprehensive two-wheeler insurance plan is determined by the age of your bike, geographical location, Insured Declared Value, bike's cubic capacity, the purpose behind the bike's purchase, safety equipment, engine type, and the specified add-on covers.

It's simple to obtain prices for all types of coverages as well as insurance policy add-on/rider combinations with Tata AIG's online bike insurance premium calculator. You may proceed with the purchase of your two-wheeler insurance plan once you're pleased with the policy and pricing.

Things Included and Not Included under Tata AIG Bike Insurance Policy

Things Included under Tata AIG Insurance Things Not Included under Tata AIG Insurance
Damages to your Ather bike owing to man-made activities, natural disasters, fire, and accidents. Damages to your Ather bike or electric scooter caused by regular wear and tear.
The total loss of your Ather bike due to robbery or theft. Damage to your Ather bike caused by the driver driving while under the influence of narcotics or alcohol, or driving without a valid driver's licence
Expenditures incurred to resolve third-party obligations, including harm to third-party property or person. Damages to your Ather bike are caused by its usage in restricted zones, as well as usage beyond the two-wheeler's intended purpose, like using a private two-wheeler for business reasons.
A ₹15 lakh Personal Accidental Coverage for the two-wheeler's owner-rider's death. The assured amount will be paid to the owner's stated nominee in the policy document. Damages inflicted to your Ather electric scooter or bike outside the insurance plan's geographical jurisdiction (outside of India). Also, for damages caused as a result of war or situations like war.
Damages caused to your while in transit through train, road, sea, or air. Damages caused to your Ather electric scooter or bike as a result of a house break-in, but don't result in the robbery of your bike.
The specified two-wheeler insurance add-ons or riders give specific coverage, such as Roadside Assistance for breakdown assistance or Zero Depreciation with coverage for Depreciation Allowance. Damage to your Ather Energy bike is caused by speed testing, racing, and other activities.

Why Is It Crucial to Have an Ather Insurance Online from Tata AIG?

In India, numerous insurance firms provide comprehensive as well as third-party insurance plans. However, before choosing an insurance provider, it's best to evaluate their service features and go with the one that provides the most benefits. Consider some of the services provided by Tata AIG:

  • You can evaluate our Ather two-wheeler insurance policies and select from a variety of possibilities. You can get everything under one roof, be it a tailor-made, comprehensive Ather insurance plan, a required third-party two-wheeler insurance plan, or standalone own damage coverage.

  • Purchase or Ather insurance renewal with Tata AIG is very convenient and you can do that from the comfort of your home or workplace.

  • With 20+ years of experience in the insurance sector of India, Tata AIG works hard to put a smile on its policyholders' faces. Due to it, we have successfully acquired the trust and faith of over five million people across the nation.

  • Tata AIG offers a straightforward, rapid, and no-fuss 3-step two-wheeler insurance claiming method online. This guarantees that each time an insurance claim is handled, it's done successfully and swiftly. We are also thrilled to disclose a whopping 98% claim resolution ratio for the fiscal year 2020-2021.

  • With Tata AIG's extensive network of 7,500+ cashless garage facilities, you may have your damaged Ather bike or scooter repaired without stressing over cash payment under your Ather insurance policy.

Ather Energy Bikes and Scooters: A Brief Overview

Fuelling with electricity provides several benefits that aren't clearly accessible when it comes to internal combustion engine automobiles. Because electric motors react faster than the latter. Due to this, electric scooters or bikes are well-known and preferred in the two-wheeler commuter industry. Ather Energy electric scooters may be a viable alternative due to their top-notch acceleration, quick charging network, and battery backup.

Ather electric scooters are regarded as one of the smartest vehicles on the market. In February 2016, the business unveiled its first electric scooter - Ather S340, during a tech conference in Bengaluru. The brand launched two new electric scooters to its lineup in January 2020 - the Ather 450 Plus and the Ather 450X. Ather has also built an electric vehicle charging zone - Ather Grid. The brand owns and runs its own experience centres (known as AtherSpace) to provide consumers with a full ownership experience.

They launched the Ather 450 in September 2018 across the nation. Though the firm has stopped selling the Ather 450 electric scooter as of 28 November 2020, the firm has replaced the void with their new 450X and 450 Plus variants, the latter of which will be released soon.

Ather Bike Price and Variants

You'll get to see Ather bike price in India in the table below:

Ather Bike Features: Unique Selling Points

The following features state why Ather bikes are regarded as one of the most preferred commuter electric bikes in India today:

  • Ather bikes have a peak speed of 72 kilometres per hour, a range of a maximum of 60 kilometres, and go 0 to 40 kilometres per hour in just 7.3 seconds.

  • In addition, Ather electric scooters have a 7-inch display rather than a standard instrument cluster.

  • Ather bikes have an in-built application installed that provides remote diagnostics, onboard navigation, and over-the-air updates when you pair it with your smartphone.

  • Ather dealer showrooms are present across 34 Indian cities.

Top Rivals of Ather Energy

These are the companies that rival Ather Energy:

  • GoGreenBOV
  • Ola Electric
  • Ampere
  • Bajaj Auto
  • Okinawa Scooters
  • Tork Motors Pvt.
  • Hero MotoCorp
  • Pure EV
  • TVS


All the 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.

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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.