Bajaj Discover 150 Insurance

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Tata AIG Bajaj Discover 150 Insurance Online

Bajaj Auto, India’s third-largest motorcycle manufacturer, launched the Bajaj Discover 150 in 2015. It features the same design as the Discover 125. Packed with a powerful 144.8 cc, single-cylinder air-cooled engine, the bike promises powerful performance and decent fuel efficiency.

The design of the Discover 150 bridges the gap between the commuter class and the premium sports class. It is available in two variants - drum and disc. The former has 130 mm drum brakes at the front and 110 mm drum brakes at the rear, while the latter has 240 mm front discs.

Bajaj Auto leaves no stone unturned to incorporate safety features into its bike. But, to keep yourself protected financially, it is vital to invest in two-wheeler insurance. The Motor Vehicles Act of 1988 makes bike insurance mandatory in India.

Bike insurance covers the bike rider from any accidental injuries caused while driving a motorbike/two-wheeler on Indian roads. It protects you financially in any untoward circumstances like theft, manmade damage, natural calamity, or accident.

Tata AIG offers different types of plans for insurance for two-wheeler. Bike owners can opt for a comprehensive, standalone own-damage, or standalone third-party bike insurance policy, depending on their requirements.

Purchasing a Bajaj bike insurance from Tata AIG is easy and does not entail a cumbersome process. The comprehensive two-wheeler insurance policy provides complete protection for your Bajaj Discover 150

Bajaj Discover 150 Insurance Renewal/Purchase on Tata AIG

Tata AIG is a trusted partner for two-wheeler insurance. We ensure that you can complete the purchase or renewal of your Bajaj Discover 150 insurance in a few easy **s. Moreover, we make the claim process hassle-free by bringing the service online and eradicating the need for you to go to the nearest branch with all the necessary documents.

The step to buying/renewing an insurance policy online are as follows:

Step1: Go to the ‘Bike Insurance’ page on Tata AIG’s official website.

Step2: Fill out your bike’s registration number and press ‘Get Price.’ You will see the premium amount for a new bike insurance policy. If you are an existing customer, select ‘Renew’ after entering the required details.

Step3: Based on the details you provide, the online bike insurance calculator will estimate the Bajaj bike insurance price.

Step4: Select an Insured Declared Value (IDV) from the choices provided. IDV helps in determining the sum insured and the maximum coverage you will receive in case of theft or damage beyond repair.

Step5: Check for No Claim Bonus (NCB). This facility does not apply to new policyholders. However, existing policyholders can claim benefits and discounts they have accumulated for claim-free years.

Step6: On the screen, you will see different options for your Bajaj two-wheeler insurance. These plans offer different coverage and have different pricing.

Step7: Use any of the accepted payment methods to pay the premium amount appearing on the screen. You will receive a soft copy of the insurance on your registered email address after you have successfully cleared the payment.

If you have any queries regarding Bajaj bike insurance renewal, you can contact our customer care support or visit the nearest branch office. Our executives will be happy to resolve your queries and provide a prompt solution.

Bajaj Discover 150 Insurance Price - Calculating Premium Amount

The bike insurance cost depends on several factors. These include the model and make of the bike, deductible, safety devices, additional riders, coverage, geographic location, No Claim Bonus (NCB), cubic capacity, etc. The premium for a bike insurance plan is lower if you decide on a higher deductible. Similarly, the third-party bike insurance premium is less than a comprehensive bike insurance plan. The coverage in third-party bike insurance also differs from that in comprehensive bike insurance.

You can use the bike insurance calculator available on Tata AIG’s website to understand the premium amount for bike insurance purchase and bike insurance renewal, depending on your requirements.

Enter the required information like vehicle registration number, model and make, engine and chassis number, past claims, etc. Pick the additional riders and click on ‘Get Price.’ The premium amount will be visible on your screen. You can make alterations if it does not suit your budget.

For instance, while riders are beneficial, you can avoid buying the ones that are unnecessary. Moreover, remember to renew the insurance on time so that you do not miss out on the no-claim bonus benefits you have accumulated.

Additional Riders for Bajaj Discover 150 Insurance by Tata AIG

Add-on covers, or additional riders, can be included in your comprehensive bike insurance policy. These are useful in situations that your base policy does not cover. Since they enhance your coverage, they increase the cost of your insurance policy and hence increase its premium amount.

Tata AIG offers seven unique two-wheeler add-on covers to enhance your comprehensive two-wheeler insurance. These covers include:

  • Emergency Medical Expenses

  • Consumable Expenses

  • Depreciation Allowance

  • Return-to-Invoice Cover

  • Roadside Assistance

  • Additional Third-Party Property Damage Cover

  • Additional Personal Accident Cover for the Owner-Driver

The Zero Depreciation add-on, also known as Bumper-to-Bumper cover or NIL Depreciation, helps you fight depreciation. If you file a claim for the repair or replacement of a part and the claim amount deducts depreciation, this add-on helps you get depreciation value reimbursed. But, you are eligible to avail of this benefit only for the first two claims.

With the Roadside Assistance add-on, Tata AIG sends immediate assistance to your breakdown location to help you tackle issues like fuel requirements, dead battery, electrical/mechanical repairs, flat tyres, etc.

Things Included/Excluded Under Tata AIG’s Bajaj Discover 150 Bike Insurance

Why is it essential to have Tata AIG for your Bajaj Discover 150 Insurance?

It is vital to have valid two-wheeler insurance for your Bajaj Discover 150. Failing to present an insurance policy to the traffic police during verification can result in a penalty. Additionally, a bike insurance plan ensures that you are financially secure even if you meet with an accident on the road. The plan also covers manmade damages, damages by fire caused by explosions, lightning, self-ignition, etc., and damages arising from natural calamities.

At Tata AIG, you can buy Bajaj bike insurance online. The aspects that make us different from other insurance companies in the industry include:

Convenient insurance purchase/renewal

The process to buy/renew two-wheeler insurance on Tata AIG is easy and convenient. It is 100% online, so you do not have to travel to the nearest branch office. Visit the website, proceed with the necessary steps, and you will receive your policy on your registered email address and WhatsApp inbox within a few minutes.

Hassle-free claims process

Initiating a claim with Tata AIG is also simple and efficient. A dedicated team of over 650 claim experts is there for your assistance. All you need to do is provide basic information using the claims section on the official website, and the company executives will take it forward.

Wide garage network

With a wide cashless garage network of more than 7500 partners throughout India, Tata AIG enables you to enjoy professional services. You can get bike damages repaired from any of the listed garages to enjoy the benefits of cashless claims.

Option for unique add-ons

The insurance company offers seven unique add-ons to enhance the coverage for your Bajaj bike insurance. This means more protection for you and your bike in unforeseen situations.

Own damage cover

The comprehensive bike insurance policy provides own damage cover for losses and damages arising from accidents, injuries, fire, riots, strikes, terrorist attacks, floods, earthquakes, cyclones, etc.

High claim settlement ratio

Tata AIG’s claim settlement ratio for the FY 2020-2021 was 98%. It is an indicator of our professionalism and credibility. So, you can rest assured since your chance of receiving a claim is high.

Expert customer support

To assist our vast network of customers, we have a large team of insurance experts who are readily available to listen to your queries and woes. You can get in touch with the customer support team on the toll-free number 1800-266-7780 or send an email to

Overview - Bajaj Discover 150 Bike Models

The Bajaj Discover 150 has a 144.8 cc engine that focuses more on fuel efficiency than exceptional performance. It carries world-class features to impress the commuter category and sports enthusiasts. The four-stroke OHC engine delivers a more thrilling and interesting riding experience. The DTS-i four-valve technology gives bike owners more power and better fuel economy.

The engine can generate a maximum power of 14.3 bhp and a peak torque of 12.7 Nm. The bike rests on a semi-double cradle frame. Its Ride Control Switch restricts throttle movement beyond a certain angle to extract better mileage.

The fuel tank, with a capacity of 8 litres, is chiselled to perfection and appears bolder and meaner than before. The bike is 2030 mm long, 760 mm wide, and 1065 mm tall. It has a ground clearance of 165 mm, with a wheelbase of 1305 mm. Its seat height is 795 mm. It has a kerb weight of 121 kg. The top speed is 102 kmph.

Bajaj Discover 150 Models and Price

The Bajaj Discover 150 comes in two variants - Bajaj Discover 150 S 150 Drum and Bajaj Discover 150 S 150 Disc. The starting price for the former is ₹54,520, while for the latter, it is ₹57,630.

The drum version incorporates 110 mm drum brakes at the rear and 130 mm drum brakes at the front. The disc version features a 240 mm front disc.

The bikes are available in five attractive colours, namely Dark Blue, Ebony Black, Wine Red, Dark Bottle Green, and Black Gold.

Unique Selling Points - Bajaj Discover 150 Bike Features

The Bajaj Discover 150 has a starting price of ₹54,520 in India. The most prominent features that enable Discover to rule the commuter segment are as follows:

Performance and Power Delivery

Bajaj Discover 150 is powered by a 144.8 cc, four-stroke, OHC engine that delivers a peak power of 14.3 bhp at 8500 RPM. It churns out a maximum torque of 12.7 Nm at 6500 RPM. The peppy engine surges the bike forward in any gear. It goes from 0 to 60 kmph in under 6 seconds, which is reasonably quick.

The all-upshifting five-speed gearbox is a smooth operator, a much-desired upgrade from previous generation Discover bikes. Apart from the kick start, there is also an easy electric starter adding to the rider’s convenience.


The tall narrow handlebar and the footpegs in the middle instead of the rear set give the rider an upright riding position. The seats are super comfortable and almost the longest in the segment. The mirrors offer great adjustability, allowing commuters of all sizes to adjust them as per their requirement.

Pillion comfort tops the charts with the extra-long seat. The telescopic forks suspension and Nitrox rear suspension make commutes in the city as comfortable as they can get.


When it comes to the design and styling, everything from the fairing, colours, and graphics to overall fit-and-finish is thoughtfully put together. The signature muscular tank with decals, a stylishly designed tail lamp, and spider-web alloy wheels make this motorcycle a head-turner.

The rear mono-shock with gas-charged Nitrox suspension sets it apart from its competitors because it ensures that long rides on the bike remain relatively comfortable. The instrument panel features an orange backlight, making it easier to view at night. There is also a digital clock for convenience.


There are plenty of safety features in the Bajaj Discover 150. It features a powerful and luminous 12V-35/35W multi-reflector headlight for providing enhanced visibility at night and during low light conditions.

With the twin rear-view mirrors, the riders stay aware of activities going on behind them, reducing the likelihood of accidents. The 200 mm petal disc brake installed at the front wheel brings the bike to an instant stop, which is beneficial during emergencies.

Rivals of Bajaj Discover 150

Bajaj Discover 150 is a sportier and more powerful version of the earlier Bajaj Discover models. It features an aggressive and sporty front, along with long and well-cushioned seating to deliver optimum comfort to the rider and the pillion. The bike’s top competitors include:

  • Hero HF Deluxe

  • TVS Radeon

  • Bajaj CT 110X

  • Hero HF 100

  • Hero MotoCorp Xtreme

  • Yamaha SZ-RR

  • Suzuki Gixxer 150

  • Hero Honda Passion Pro

Bajaj Discover 150 locks horn with the Hero Honda Passion Pro, particularly in the price segment. While Hero offers a 97 cc, Bajaj has a 150 cc engine in the same price bracket, pushing its value-for-money envelope even further. The Discover also scores higher on economic viability due to its five-speed gearbox and ride control switch.

Disclaimer / TnC

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

Related Articles

1. How to Claim Bajaj Discover Bike Insurance Policy Online with Tata AIG?

1. How to Claim Bajaj Discover Bike Insurance Policy Online with Tata AIG?


Follow the easy steps outlined below on our official Tata AIG website to register an insurance payout for your Bajaj Discover.

  • To begin a claim, go to the Claims page and select "Initiate Claim."
  • Click "Confirm" after entering your registered mobile number.
  • On the online form for filing your claim with Tata AIG, fill in the relevant facts such as your bike's registration number, the FIR information, and some other important information.
  • Our claiming professionals will investigate the damages to your vehicle after assessing the paperwork and your application. The bike will then be taken to one of the network garages in the area for repairs.
  • During this period, we will begin the claim settlement procedure on our end.
  • After your claim has been settled, you will receive the repaired bike.

2. How To Renew Your Tata AIG Bajaj Discover Bike Insurance online?

  • First, go to our official website and check our Bike Insurance Page.
  • For Bajaj bike insurance renewal online, enter your Bajaj Discover registration number and click "Get Price," or click "Renew" if your current bike insurance is with Tata AIG.
  • The specifics of the insurance policies will be displayed on the screen, and you can verify your Bajaj Discover 100cc insurance price using our online bike insurance calculator.
  • From the list of IDVs provided, choose the right IDV (Insured Declared Value) for your Bajaj Discover.
  • If you've ever made a claim before, you'll have to enter the same information. If not, you can take advantage of our No Claim Bonus offer.
  • The Bajaj Discover 100 insurance price will be displayed on your computer screen.
  • We will deliver your Bajaj bike insurance online to your given email address after acceptance of your payment.

3. What type of policy should I buy for my bike?


There are two basic types of insurance to choose from when it comes to bike insurance. One is the third-party bike insurance coverage, which is mandatory by law. The second is the comprehensive insurance for bikes, which most motorcyclists choose because of its extensive coverage and customizable options. It is a cover that gives you protection in a broad sense of options. At Tata AIG, we also offer standalone own damage bike insurance policies, which you can purchase if you already have a third-party bike insurance plan.

4. What is a No Claim Bonus?


Bike insurance does more than safeguard your vehicle; it also recognizes you as a responsible driver. If you don't make an insurance claim in a given year, your insurance company will reward you with a no claims bonus (NCB) for taking good care of your vehicle. A No Claim Bonus comes in the form of up to a 50 per cent discount on your next insurance renewal.

What is the need to buy Bajaj two-wheeler insurance?


A bike insurance policy has different terms and conditions. Its maintenance requires the initiation of different processes, such as renewal, claim filing, picking additional riders to enhance coverage, etc. Tata AIG’s customer support executives are always available to resolve your queries, but you can also find the answers to some frequently asked questions here.

Bikes provide ease of navigation through the busy roads of the country. However, like any other mode of transportation, they are also prone to risks. Two-wheeler insurance for your Bajaj Discover 150 secures you financially in case of an accident or other damage. Its protection is not limited to the bike but also extends to the rider, the pillion, and third-party individuals and vehicles.

How to calculate two-wheeler insurance premiums?


The premium is a key factor in deciding on a bike insurance policy. There are various factors that influence the premium amount. These include the type of insurance policy and coverage, age of the two-wheeler, make and model of the bike, No Claim Bonus (NCB), geographical location, engine type, cubic capacity, safety devices, additional riders, modifications to the bike, etc. You can use the bike insurance calculator to estimate the premium you need to pay to buy or renew a Bajaj Discover 150 insurance online. The tool comes in handy and takes a few seconds only to determine the exact premium for a particular two-wheeler insurance policy.

How to reduce bike insurance premiums?


There are many ways to reduce bike insurance premiums without affecting the policy coverage. The first is leveraging the No Claim Bonus by avoiding small claims. The No Claim Bonus feature offers a percentage discount as a reward if you have had no claims in the past year. You can claim up to a 50% discount on your renewal premium using NCB for five consecutive years, where you didn’t file a claim during the policy term. The installation of authorized safety devices is another way to reduce the premium. These devices include anything from CCTV cameras in the parking area to a basic handle lock. Make sure the devices are authorized by the Automotive Research Association of India (ARAI). Another way to reduce the premium is not adding too many embellishments or modifications to the bike, as these increase the Insured Declared Value (IDV). The bike’s age and cubic capacity impact the premium directly. The premium is lower for an old bike. Remember to enter the age and engine cc correctly.

What is the process to buy/renew Bajaj Discover 150 insurance online?


Here are three simple steps to buy/renew two-wheeler insurance on Tata AIG: Enter the bike registration number and click on ‘Renew’ or ‘Get Price’, depending on whether you need to buy or renew a bike insurance policy. Input the bike and personal details required. Pick the type of policy and coverage. Select the add-ons of your choice. A premium quote will appear on your screen. If the quote meets your budget, please go ahead and make the payment via any of the accepted payment methods. If the quote exceeds your budget, change the type of policy and add-ons to reduce the premium.

Disclaimer: All the car 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 is included in Tata AIG’s Bajaj Discover 150 insurance?  What is not included in Tata AIG’s Bajaj Discover 150 insurance
The two-wheeler insurance policy offers an own damage cover to protect the policyholder against damage and losses caused by accidents, natural calamities, manmade damages, damages by fire, etc. The policy does not cover costs for mechanical/electrical breakdown, regular wear and tear, and the resulting loss due to the age of the bike. 
The comprehensive bike insurance plan reimburses the bike’s current market value in case of damage beyond repair or theft. The bike insurance policy does not provide coverage for losses incurred if the bike was being used for racing, reliability trials, speed tests, etc. 
The comprehensive and third-party two-wheeler insurance covers third-party liabilities, including third-party property, bodily damages caused to a third party by your vehicle, etc.  There is no coverage for losses and damages suffered while riding the bike without a valid driving license or helmet. 
The bike insurance policy provides a Personal Accident Cover of ₹15 lakhs. This cover reimburses medical expenses for treating injuries caused in an accident. The use of a private bike for commercial purposes is excluded. There is also no coverage for a bike driven under the influence of alcohol, narcotics, or intoxicants. 
With add-ons, the policy coverage is enhanced to cover consumable expenses, additional third-party damage, roadside assistance, emergency medical expenses, etc. The two-wheeler insurance policy does not cover damages caused due to breaking and burglary if the bike is stolen.