Bajaj CT 125X Insurance

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Bajaj CT 125X Insurance

Bikes remain one of the most convenient modes of transport due to their swift manoeuvrability and ease of parking. And when it comes to commuter bikes, Bajaj has a special place in the hearts of Indians.

Some of the popular bikes offered by Bajaj Auto include Pulsar 200NS, Avenger Cruise 220, Platina 100, CT 110X, Dominar 250, etc. With an engine displacement of 124.4cc, the CT 125X is another acclaimed bike from Bajaj Auto, which has been recently launched. It is a new bike in the 125cc segment and is the sibling of the CT 110X.

So, if you own a Bajaj CT 125X or planning to buy one, consider buying adequate insurance coverage to secure it from poor road conditions, natural calamities, thefts, and other unforeseen threats.

There are primarily three types of two-wheeler insurance available in India - third-party insurance, stand-alone own damage, and comprehensive insurance.

Third-party insurance covers the damages and injuries caused to third-party individuals or their property by the insured two-wheeler and is mandatory by law. Stand-alone own damage insurance covers only the damages or losses suffered by the insured two-wheeler due to accidents, theft, natural calamities, and other unforeseen events but does not cover third-party liabilities. Comprehensive insurance, on the other hand, covers both third-party liabilities as well as damages or losses suffered by the insured two-wheeler.

At Tata AIG, we offer three types of two-wheeler insurance plans. We have a dedicated team of professionals who are available 24/7 to assist customers with any queries or concerns they may have.

Bajaj CT 125X Insurance Renewal/Buy via Tata AIG

While purchasing or renewing your Bajaj two-wheeler insurance via the Tata AIG office, the easiest way is to buy/renew your Bajaj bike insurance online. It helps you get the policy instantly through the following three simple steps:

  • Go to the Two-wheeler insurance page on the Tata AIG website and enter your bike’s registration number. Click “Get a price” if you are buying CT 125X bike insurance for the first time with us. However, if you have an existing policy and wish for Bajaj bike insurance renewal, click “Renew”.

  • Provide the required details to get a Bajaj two-wheeler insurance quote. Choose a suitable IDV (Insured Declared Value) from the list provided, and enter your claim details, after which the premium amount for your Bajaj two-wheeler insurance will be displayed.

  • (Note: IDV is your bike’s current market value and impacts your comprehensive bike insurance premium. Thus, you should select a reasonable IDV to avail of appropriate compensation at the best premium prices).

  • Pick the necessary add-on covers to customise your Bajaj bike insurance policy and make the payment via an online payment method. We will send your CT 125X bike insurance policy through email.

  • (Note: Add-on covers are provided at extra costs and raise your comprehensive bike insurance premium. So, it is advisable to select them wisely after assessing the risks)

Bajaj CT 125X Insurance Cost– Your Premium Amount

The amount of premium you must pay for your Bajaj two-wheeler insurance is based on its (Insured Declared Value), type of coverage, add-on covers, anti-theft devices, No Claim Bonus, rider’s age and driving record, etc.

What is IDV?

The current market value of your Bajaj bike after deducting its depreciation value is known as IDV. It is computed by considering the bike’s registration city, make and model, engine cubic capacity, type of use, etc.

IDV is important when buying a stand-alone own-damage or comprehensive bike insurance policy. It has a direct impact on your Bajaj bike insurance cost. If you choose a higher IDV, your premium will be higher, while it will reduce when you choose a lower IDV. Not only this, but IDV also decides the amount of sum assured if your bike is lost or damaged beyond repair. So, choosing a reasonable IDV allows you to insure your two-wheeler at affordable premiums while ensuring adequate compensation during claim settlement for a lost or totally damaged bike.

Bike insurance calculator

Comparing quotes before buying insurance coverage for your Bajaj CT 125X can help you make a cost-effective choice. With our bike insurance calculator, you can calculate the premium for Bajaj CT 125X insurance online and compare quotes from the comfort of your home.

Add-ons for Bajaj CT 125X Insurance by Tata AIG

You can buy appropriate add-on covers to complement your standalone own damage or comprehensive bike insurance at extra costs. They offer an extra layer of security to you and your two-wheeler in case of unfortunate circumstances. Tata AIG provides you with the following add-on covers**

Zero Depreciation Cover Depreciation is inevitable due to your bike’s normal wear and tear. It leads to a decrease in the value of your bike and, thus, the compensation amount. But by adding a zero-depreciation or bumper-to-bumper cover as an add-on to your comprehensive bike insurance, you can ensure claim settlement without deducting the depreciation value of your two-wheeler’s parts. But let us remind you that this add-on is available only for the initial two claims of your standalone own damage or comprehensive bike insurance.

Return to Invoice Cover Return to invoice cover is an excellent add-on that helps you recover the real value of your bike if it is totally lost or damaged. With this add-on with your bike insurance, Tata AIG will cover any discrepancy between your bike’s invoice value and the sum assured. Moreover, it helps you recover the costs of registration charges for your bike and the road tax that you paid.

Additional Personal Accident Cover for Owner-Driver Accidents can severely impact your life and finances. While personal accident cover of up to ₹15 lakhs is available with a comprehensive policy, it may fall short in case an accident leaves the owner-rider seriously injured or disabled. Hence, an additional personal accident cover for the owner-driver acts as a complementary relief while taking care of the financial liabilities due to a fatal road accident.

Emergency Medical Expense Cover Emergency medical expense cover helps cover the costs incurred in the medical treatment of the rider or the pillion rider in case of an unfortunate road accident. It also reimburses the costs of the ambulance used for transporting the injured people to the hospital.

Additional Third-Party Property Damage Cover Third-party property damage is already included in third-party or comprehensive bike insurance. But this add-on cover helps you deal with hefty financial losses resulting from damage to third-party property from your two-wheeler. Hence, with your comprehensive bike insurance, this rider can act as an added layer of safety from third-party losses.

Consumable Expense Cover Accidents can leave your bike dismantled, leading to a loss of consumables. The several consumables used in your bike for its proper functioning include gearbox oil, brake oil, nut/bolts, screws, engine oil, etc. Adding a consumables expense cover helps you recover the expenses incurred in replacing, repairing, or replenishing the consumable in your two-wheeler, excluding the fuel used in your bike.

Roadside Assistance Cover Your two-wheeler can stop working or malfunction anywhere due to a dead battery, empty tank, or other mechanical issues. A roadside assistance cover by your side can help you deal with such scenarios easily. By calling us at 1800-266-7780, you can ensure assistance from our team for mechanical service, tow service, refuelling, etc., anytime, anywhere.

Things Covered and Not Covered under Tata AIG’s Bajaj CT 125X Insurance

Many might assume that comprehensive bike insurance allows you to claim any damage. However, there are certain exclusions. Below are the lists of what is included and what is not included under your comprehensive Bajaj bike insurance:

List of Inclusions under Bajaj CT 125X Insurance List of Exclusions under Bajaj CT 125X Insurance
Damages incurred due to natural calamities such as cyclones, earthquakes, floods, etc. Depreciation due to regular wear and tear of your bike
Damages incurred during transit Damage caused due to commercial use or racing activities
Financial or legal liabilities resulting from third-party injury/death and property damage Losses resulting from driving without a valid driving license
Accidental damages to your bike and accidental injuries  Damages incurred outside the geographical location specified in the policy
Burglary, theft, or housebreaking damages Losses to bike incurred during war or nuclear threats
Fire damages due to explosion, lightning or self-explosion Damages resulting from driving under the influence of intoxicating items
Man-made damages caused during riots, strikes, vandalism, etc. Damages caused due to mechanical or electrical breakdown
Bike’s loss or total damage  Consequential loss

Why is it Important to Have Tata AIG for Your Bajaj CT 125X Insurance?

Here are some reasons that reflect why you should choose Tata AIG for your Bajaj CT 125X insurance:

Savings on bike insurance premiums By purchasing Bajaj CT 125X insurance online with Tata AIG, you can avail of up to 75% discounts on premiums.

Easy procurement process You can buy or renew Tata AIG two-wheeler insurance through our website by following a few simple steps.

No claim bonus You can avail of an NCB discount which starts at 20% for the first claim-free policy tenure and extends up to 50% for five claim-free years.

Cashless and swift claim settlement processes Our network of more than 7500 cashless garages all over India helps you with cashless repairs of your bike.

High claim settlement ratio Our high claim settlement ratio of 98% for the FY 2020-2021 reflects our dedication towards serving you.

Choice of unique rider With Tata AIG, you can add uniquely designed add-on covers and ensure your bike’s 360-degree security.

Overview –Bajaj 125X Bike Model

Starting at a price of INR 72,083, the Bajaj 125X is a popular commuter bike in India. It comes in two variants with three attractive colours. The bike has an engine displacement of 124.4cc and is BS6 compliant. With front and rear drum brakes, the CT 125X has a combined braking system. Considering its design, the Bajaj 125X shares similar graphics as CT 100X. Other features include a halogen headlight and tail light, LED DRL, bulb-type turn indicators, USB charger, analogue speedometer, etc. The variants of CT125X differ in the braking hardware. While the base model has 130mm drum brakes on both tyres, the top variant has a 240mm disc brake at the front tyre.

The colour scheme offerings in Bajaj CT 125X include- Ebony Black with Green Decals, Ebony Black with Red Decals, and Ebony Black with Blue Decals.

Some of the key specifications of the Bajaj CT 125X are as follows

Engine displacement 124.4cc

Maximum power10.7bhp at 8000 rpm

Maximum torque11 Nm at 5500 rpm

Transmission Five-speed manual

Fuel tank capacity 11 litres

Kerb weight 130kgs

Bajaj 125X Bike Price and Variants

Bajaj CT 125X is available in two variants which are as follows:

Variants Price
Bajaj CT 125X Drum ₹72,083
Bajaj CT 125X Disc ₹75,286

Unique Selling Points: Bajaj 125X Bike Features

Bajaj Auto is India’s top motorcycle exporter and has sold over 18 million bikes all across the globe. Here is a detail about its USPs:

  • The all-new Bajaj CT 125X, similar to other Bajaj bikes, promises to offer ruggedness as well as commuter comfort.

  • While the bike carries the design of the CT 110X, the new CT 125X has a few updates in design elements, making it look bigger.

  • Keeping in mind the rider’s comfort, the makers have ensured the seat is comfortable and the rider triangle is optimally designed. The side luggage carriers and the rear rack provides ample space to carry luggage for people who travel a lot on their bike.

  • Considering the bike’s engine, it is quite peppy and offers gradual uplift in performance once the bike starts. Moreover, the bike’s suspension is appreciable, comprising front telescopic forks and SNS suspension at the rear.

  • The Bajaj CT 125X has excellent ergonomics with a comfortable riding posture allowing easy manoeuvrability across the city.

Rivals of Bajaj CT 125X

The bikes that compete with Bajaj CT 125X in the Indian automobile market include:

  • Hero Glamour

  • Honda Shine

  • TVS Radeon

  • Honda SP 125

  • Hero Super Splendor

  • Honda CD 110 Dream

  • Honda Livo

  • TVS Raider

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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How much mileage can I expect from Bajaj CT 100?


The bike gives a mileage of around 90 kmpl, which is better than most of its competitors.

Which models are available for Bajaj CT 100?


Three variants of the Bajaj CT 100 are available in India: the KS Spoke CBS, KS Alloy CBS, and ES Alloy CBS.

What is the engine type in the Bajaj CT 100 motorbike?


An air-cooled, single-cylinder, four-stroke engine powers the Bajaj CT 100.

What is the ground clearance of the Bajaj CT 100?


The Bajaj CT 100 has a 169 mm ground clearance

Which insurer has the highest rate of claims being resolved for Bajaj CT 100 motorcycles in India?


Tata AIG has had an outstanding claim settlement ratio of 98 percent in FY 2020-21. With us, you can be assured that your claims will not go unheard or unsolved.

How to File an Insurance Claim for a Bajaj CT 100 Bike?


These are the procedures you must take on our official Tata AIG website in order to submit an insurance claim for your Royal Enfield Classic 350:

  • Click "Initiate Claim" under the Claims section;
  • Your registered phone number should be entered and then you can click "Confirm."
  • To register your claim with us, fill down the online form with your bike’s registration number, the FIR information, and a few other necessary pieces of information.
  • Your bike will be dispatched to the closest network garage for repairs after the claim has been evaluated and the damage to it has been assessed.
  • We shall start the claim-settlement procedure at this time.
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What type of bike is Bajaj 110X?


The Bajaj 110X is a commuter bike from Bajaj Auto.

What is the mileage for Bajaj CT 110X?


The Bajaj CT 110X offers a mileage of up to 50-60 kmpl.

How can I raise a two-wheeler insurance claim?


With Tata AIG, you can raise your bike insurance claim in the following way:

  • You can either call us at 1800- 266-7780 or visit the “Claims Support” page on our website. Provide the required details, and we will send you a link to your registered mobile number. Fill in the self-inspection form and provide the correct details about your bike’s damages. We will send a surveyor who will inspect your bike. You can either choose to make a cashless claim at our cashless garage or ask for a reimbursement. You have to submit relevant documents to file a claim, such as a claim form, FIR if present, address proof, identity proofs, and insurance policy documents. Once you complete the process of claim filing, you can check its progress online. After approval and examination, we will settle your bike insurance claim swiftly.

What is included in a comprehensive bike insurance policy?


Comprehensive bike insurance includes the following: Own damages caused by accidents, natural disasters, man-made disasters, theft, etc Third-party liabilities, including injury/death or damage to property Personal accident cover of up to INR 15 lakhs Total loss or damage beyond repair Enhanced coverage through add-on covers

What is the No Claim Bonus?


No Claim Bonus or NCB is a discount offered on your bike insurance premium if you do not raise any claim throughout the policy year. Provided at the time of policy renewal, NCB starts at 20% for the first year and goes up to 50% for five consecutive years.

What are the things to consider before buying a two-wheeler insurance policy?


While buying a bike insurance policy, you should consider the following: Assess the needs of your bike and the risks it is exposed to. Buy suitable coverage accordingly. Always mention the correct Insured Declared Value for your bike. Do not forget to compare quotes by using the two-wheeler premium calculator online Do not forget to compare different insurers in terms of claim settlement ratio, add-on covers, etc.

Disclaimer: 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.

What type of bike is Bajaj 125X?


The Bajaj 125X is a commuter bike from Bajaj Auto.

What is the on-road price of CT125X in 2023?


Bajaj CT 125X is priced at INR 86,463 in Delhi in 2023. This price is inclusive of the ex-showroom price, insurance, and RTO charges.

What is Bajaj CT 125X mileage?


The Bajaj CT 125X offers a mileage of up to 59.6 kmpl.

How can I save on my bike insurance premium?

Here are a few ways to save on your bike insurance premium.

To save on your bike insurance premiums, you should ride your bike carefully and avoid raising minor claims to avail of NCB benefits on policy renewal. Neither overstate your bike’s IDV to avail of a higher compensation amount nor understate it to benefit from a lower insurance price. Select a reasonable IDV so that you can ensure an adequate sum assured at affordable prices. Make sure you renew your bike insurance before it expires. Buy suitable add-on covers after checking your bike’s needs and the associated risks. Calculate and compare two-wheeler insurance premiums online before buying bike insurance. Install authorised anti-theft or safety devices. Select a higher voluntary deductible.

What does comprehensive bike insurance cover?


Comprehensive bike insurance covers the following: Own damages due to natural disasters such as cyclones, earthquakes, floods, etc Man-made damages due to riots, strikes, vandalism, etc. Fire damages due to an explosion, self-ignition, and lightning damages Damages caused while in transit Damages or injuries incurred during accidents Third-party liabilities, including injury/death or damage to property Personal accident cover of up to INR 15 lakhs Total loss or damage to the bike Damages due to theft, burglary, or housebreaking Additional coverage through add-on covers

What is the No Claim Bonus in bike insurance renewal?


No Claim Bonus is a discount the insurance provider offers on your bike insurance premium when you do not raise any claim throughout the policy year. It is given at the time of policy renewal. It starts at 20% for the first claim-free policy tenure and can go up to 50% for five consecutive claim-free years. However, raising one claim can lead to a loss of your NCB. So, avoid making minor claims to avail of the NCB discount.

Why comprehensive insurance for your Bajaj CT 125X is the best choice?


Here’s why comprehensive insurance for your two-wheeler is the best choice: Comprehensive two-wheeler insurance covers own damages of the insured bike as well as third-party liabilities through a single premium. It also compensates you if your bike suffers from total loss or total damage. The compensation amount depends on the bike’s IDV. Comprehensive insurance for two-wheeler allows you to buy add-on covers to cover additional liabilities such as depreciation loss, third-party property damage, additional personal accident liabilities, etc.

What are the factors to consider before buying a Bajaj CT 125X bike insurance?


When it comes to buying a bike, there are ample factors that you consider, such as its brand, features, and costs. The same should be done while buying insurance for a two-wheeler. Some essential factors to consider before buying Bajaj bike insurance include the following:
Evaluate the needs of your bike and the probable risks. For example, you should buy suitable coverage if you live in a flood-prone area or a locality where the risk of threat is higher. Ensure to choose a reasonable Insured Declared Value for your bike. Compare bike insurance quotes by using the online bike insurance calculator. Compare insurance companies in terms of their quality of service, a network of cashless garages, claim settlement ratio, and bike insurance add-ons.

Disclaimer: 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.