Ducati Bike Insurance

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Ducati Bike Insurance

Ducati bikes are one of the most popular and admired motorbike brands worldwide. The Italian Ducati has produced some of the best sport-inspired motorbikes since 1946. The bikes are available with wide-ranging features and specifications, making them good choices for bike enthusiasts seeking regular street rides and those who prefer off-roading adventure trips.

Ducati bikes are known for their modern outlook and enhanced performance features. So if you are looking forward to purchasing a new Ducati bike, you certainly have wide-ranging options. However, regardless of your choice, a bike insurance policy is important to safeguard it to the best standards.

Choosing the right Ducati bike insurance is crucial. It helps you make well-informed financial decisions and maintain your bike to the best standards. Generally, there are three types of two-wheeler insurance plans. A third party bike insurance is mandatory by law and provides financial protection against damages or injuries caused to third parties or properties. However, it is not designed to afford stand-alone damages.

Stand-alone bike insurance is a separate policy that can exclusively cover stand-alone own damages. However, it does not provide coverage against third-party damages. If you prefer purchasing a complete bike insurance plan that covers both third-party liabilities and your own damage, you can purchase comprehensive bike insurance. Each of these bike insurance plans is relevant for its specific benefits. Therefore, you must analyse and choose the best and most affordable two-wheeler insurance policy based on your usage and locality.

At Tata AIG, we provide three types of bike insurance plans with a range of add-on covers. You can compare these policies by understanding the features, comparing the benefits and choosing the right 2-wheeler insurance online.

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May 30, 2022

Ducati Bike Insurance Renewal/Purchase via Tata AIG

Purchasing an insurance policy for a bike has become a simple and less time-consuming process. You can access the different products and customisable options for Ducati bike insurance online. Using our Tata AIG bike insurance premium calculator, you can compare these options against their costs and determine the right policy for your bike insurance needs. The Ducati bike insurance renewal procedure is similar to the purchase procedure, and you can get it done online.

Here are the steps for the bike insurance purchase and renewal online with Tata AIG.

  • The two-wheeler bike insurance page is available on our official website. It is present under the "All Products" tab.

  • Provide the essential details, such as the bike insurance registration number and click on 'Get Price'.

  • Choose the "It's A New Vehicle" if it is a new bike and the "Renew" if you are looking for a Ducati bike insurance renewal.

  • After you have chosen the basic options, provide the necessary personal information and the bike details as prompted by the system. Suppose you are renewing your Ducati motorcycle insurance. In that case, you can avail of the No Claim Bonus benefit if you have not made any claims in the previous year to reduce the bike insurance premium.

  • If it is a new Ducati motorbike insurance, you must provide the appropriate Insured Declared Value to get the necessary coverage for your claims. The lower the IDV, the lesser the coverage for your bike insurance and the higher the IDV, the greater the premium.

  • Understand the different types of bike insurance plans, and choose between third-party, stand-alone or comprehensive bike insurance based on your requirements and affordability.

  • At Tata AIG, we also provide a good range of add-on options. They are available at an additional cost. Therefore, understand each of them and choose the most required add-on covers.

  • Once all the information is provided, our system will provide the Ducati bike insurance price.

  • If the Ducati bike insurance cost is affordable, purchase the bike insurance online.

  • We will send the bike insurance document to your registered email ID upon completing the process.

Ducati Bike Insurance Cost - Your Premium Amount

When purchasing an insurance policy for a bike, one of the most crucial aspects to consider is the bike insurance premium. You should ensure it provides sufficient coverage for your Ducati bike, while it is affordable long term to stay insured. The premium for your bike insurance depends on various factors. It is essential you understand the importance of each of these factors and their contribution to the price to determine the most affordable premium.

Some of the most key factors that affect Ducati two-wheeler insurance are:

  • Insured Declared Value

  • Engine cubic capacity

  • Age of your two-wheeler

  • Make and model

  • Add-on covers

Type of bike insurance policy

In addition, the safety devices and modifications made to your bike, geographical location, and the rider's age and driving record will affect the price.

The Insured Declared Value(IDV) is the most crucial factor determining the Ducati bike insurance premium among these and represents the maximum compensation you will receive on total damage. The IDV is the current market price of the bike. In addition, it accounts for depreciation over the years.

Choosing a higher IDV can increase the premium but provide higher coverage. On the other hand, a lesser IDV can reduce the premium but reduce the coverage. Decide on the coverage required and finalise the premium based on the type of policy and the add-on covers.

Add-ons for Ducati Two Wheeler Insurance by Tata AIG

Individual insurance providers offer specific add-on covers to enhance the coverage. The add-on covers provide financial protection specific to certain scenarios. You can decide on these add-on covers based on your usage and drive quality. For example, if you are riding your motorbike regularly in an accident-prone zone, you can purchase an emergency medical expenses add-on to cover your medical expenses.

Here is a detail explaining the add-on covers available for your Ducati motorbike insurance.

Depreciation allowance - Depreciation is one factor that will reduce the claim amount. With the depreciation allowance, also called zero depreciation, you can get the cost of depreciation reimbursed, increasing the claim benefit.

Return-to-invoice cover - The claim benefit on your bike insurance on total damage is equal to the Insured Declared Value. However, with the return-to-invoice cover, you can increase the claim benefit by including the invoice cost of the bike, considering the registration fees, road taxes, etc.,

Emergency medical expenses - With the emergency medical expenses cover, you can enhance the coverage by ensuring a financial benefit to managing the treatment costs in the event of an unexpected accident.

Additional personal accident cover - In the event of an accident, if the rider meets with an unexpected death, the family will receive a sum assured as an additional benefit with the additional personal accident cover.

Additional third-party property damage cover - Third-party and property damages are covered under the comprehensive and third-party bike insurance plans. With the additional third-party property damage cover, you can receive additional financial benefits for the third-party liabilities for these bike insurance plans.

Roadside assistance - The roadside assistance add-on extends support by providing the necessary assistance when you are held with your bike due to a dead battery, flat tyre, etc.,

Consumables expenses - If an accident causes the loss of consumables such as distilled water, lubricants, engine oil, etc., the consumables expenses add-on will reimburse the cost.

It is important to note that including add-ons in your Ducati motorcycle insurance can increase the premium. However, it is certainly worth the investment considering the enhanced financial benefit. Therefore, understand, analyse, compare and choose the right add-on covers based on your affordability and requirement.

Things Included and Not Included in Tata AIG Ducati Bike Insurance Policy

The primary purpose of purchasing an insurance policy for a bike is to ensure sufficient coverage as the claim benefit when you are in extreme need. However, you must be aware of the fact that your Ducati bike insurance policy may not cover certain damages. Therefore, you must be well versed with the bike insurance policy inclusions and exclusions to ascertain the benefits when you are in need of them.

Here is a detail about our Tata AIG Ducati bike insurance inclusions and exclusions.

Why is it Important to Have Tata AIG for Your Ducati Bike Insurance?

While purchasing an insurance policy for a bike, it is important to choose a reputable insurance provider. It will help you ensure the required financial support when you are stranded in a difficult situation. Insurance providers should offer a range of customisable products with a simple procedure. In addition, they should be customer-friendly, quick in assisting and offer affordable plans. At Tata AIG, we offer these features, including several other benefits.

Here are a few reasons to consider purchasing the Tata AIG Ducati motorcycle insurance.

Affordable prices - We offer different types of bike insurance plans with add-on covers at an affordable rate. You can compare and choose the most suitable option at a price affordable for your requirements.

Customer service - Our customer service team provides timely support for your queries and processes your claims in significantly less time. With our online support, you can write to us at any time regarding any clarifications. You can also get in touch if you have any questions.

Claim settlement ratio - An insurer's claim settlement ratio refers to the claims successfully processed and paid against the claims registered. We have registered a claim settlement ratio of 98% for the FY 2020-2021.

Customisable products - At Tata AIG, we offer three different bike insurance policies at an affordable rate with customisable options to include the required add-on covers.

Reliable experience - At Tata AIG, we offer a reliable experience for our customers by providing the most affordable bike insurance plan based on individual requirements. We help you choose the right Ducati motorbike insurance and ensure you receive timely benefits on your bike insurance claims.

Ducati Bikes: A Brief Overview

Ducati bikes cover a range of market segments. There are different categories such as the Super, Sports, Sports Naked, Adventure Tourer, Cruiser, Off-road, etc., Their intricate motorcycle design for specific utilisations has driven the company's performance to a great extent. In addition, they are always known for a series of "firsts" in the motorbike industry. Furthermore, the Ducati bikes have also won several titles in numerous racing championships.

Some of the common model families of the Ducati bikes are

  • Panigale

  • DesertX

  • Diavel

  • XDiavel

  • Hypermotard

  • Multistrada

  • Monster

  • Streetfighter

  • Supersport

Desmosedici Stradale is the new engine formula for Ducati supersport models. The fluid dynamics and the engine configuration makes the vehicle compact by aligning the masses to the centre, ensuring perfect integration with the bike model. Moreover, the engine has a larger displacement to maximise the torque.

The ABS Cornering has changed the approach for brakes in curves. It can achieve decelerations on leaning to reduce braking distances and loss of grip at the rear and front.

Ducati Bike Variants and Prices

Ducati bikes are available as different variants. Here is a list and their corresponding prices.

Inclusions of Ducati Bike Insurance Exclusions of Ducati Bike Insurance
The damages that happened to your bike and the related losses due to natural disasters such as floods, earthquakes, etc. Breakdown or consequential loss that happened to your bike due to the usage and age of your bike.
The damages and the related losses that happened to your bike due to man-made activities such as riots, strikes, terrorist activities, etc. The damage happened to your bike when it was used outside Indian geographical borders.
The damages and the related losses that happened to your bike due to fire accidents. Damages that happened to your bike due to war-like situations.
The damages that happened to your bike due to transit in waterways, airways, railways, etc., or in an accident. The damages incurred due to racing, speed tests, etc.
Theft and loss of your bike The damages that are caused to the bike due to riding under the influence of drugs, narcotics, etc.
The liabilities related to damages incurred to third parties or their properties. The damages that happened to your private bike when it is used for commercial purposes.
Personal accident coverage for the owner-driver. The damages that happened to your bike due to breaking and burglary and the case when the bike is not stolen.
Benefits under the specific add-ons. The damages incurred to your bike when it is used in restricted usage conditions, such as flood-prone areas.
Variants Ex-Showroom Price in Delhi*
Ducati Panigale V2 ₹20.27 - ₹22.49 lakhs
Ducati Panigale V4 ₹27.41 - ₹69.99 lakhs
Ducati XDiavel ₹21.20 - ₹24.49 lakhs
Ducati Diavel 1260 ₹21.49 - ₹24.99 lakhs
Ducati Scrambler 800 ₹9.39 - ₹11.99 lakhs
Ducati Scrambler 1100 ₹11.95 - ₹15.99 lakhs
Ducati Scrambler Desert Sled ₹10.99 - ₹12.59 lakhs
Ducati Multistrada 950 ₹15.49 lakhs
Ducati Multistrada V2 ₹16.05 - ₹18.32 lakhs
Ducati Multistrada V4 ₹21.48 - ₹31.48 lakhs
Ducati Monster ₹12.49 - ₹12.59 lakhs
Ducati Hypermotard 950 ₹15.60 - ₹17.99 lakhs
Ducati Supersport 950 ₹15.75 - ₹18.39 lakhs
Ducati Streetfighter V2 ₹18.10 lakhs
Ducati Streetfighter V4 ₹22.15 - ₹25.69 lakhs
Ducati DesertX ₹17.91 lakhs

The price will vary based on the city and the dealership where you are purchasing the bike.

Unique Selling Points of Ducati Bikes

Ducati bikes are known for their high-end motorcycles. Their unique selling points add to their great styling and superior performance.

Innovation- Innovation is a secret formula for the Ducati bike family. Their product innovations based on changing mechanical and electronic needs have resulted in the introduction of various types of bikes.

Exhaust system- The Ducati bikes have well-crafted exhaust systems. For example, the Ducati Panigale has a completely equipped exhaust assembly designed for racing. It enhances the weight-to-power ratio for the best accelerations.

Turn-by-Turn navigation system- It is an exclusive feature found in the Ducati DesertX model that uses the motorbike's TFT cluster instrumentation to show route assistance without the need for an external device or application.

Top Rivals of Ducati Bike

Competing with Ducati bikes can be challenging. Ducati offers wide-ranging options with different models to suit various purposes.

Some of the top rivals of Ducati bikes are:

  • Harley Davidson

  • Benelli

  • Suzuki

  • Honda

  • Yamaha Motor

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

How to calculate the bike insurance premium in India?

How to calculate the bike insurance premium in India?


Your bike insurance premium is determined by several factors, including the following.

  1. The brand, make, model, and variant of the bike
  2. The bike insurance policy that you select
  3. The registration city and state of your bike
  4. The geographical location where you will usually ride the bike
  5. The depreciation accumulated on your bike (for old and second-hand bikes)

You can use the bike value calculators in India to calculate your premium quickly and easily. By using the Tata AIG bike insurance calculator, you can compute your bike insurance premium and select the policy most suited to your budget and requirements in 3 simple steps.

● Input the registration number in the bike insurance calculator ● Provide all the necessary details as prompted by the screen ● Get the exact premium cost calculated in no time

How to calculate the value of my bike for insurance?


The ‘Insured Declared Value’ (IDV) of your bike is the maximum sum that a bike insurance company can promise to pay you in the unfortunate event of a total loss of the bike, such as thefts and severe accidents. Therefore, it is important to compute the right IDV for your bike and quote it in your bike insurance application.

You can compute the IDV for your bike through the Tata AIG two wheeler insurance calculator by entering a few important details about your bike, including the following:

  1. The market value of the bike
  2. The year of purchase of the bike to account for the depreciation accumulated on it

The IDV of a new bike is equivalent to its market value whereas that of an old bike is its market value minus depreciation. Thus, our bike insurance premium calculator is an easy tool for you to compute and quote your bike’s ‘Insured Declared Value’ which is necessary for the determination of your two wheeler insurance premium.

How to calculate the insurance premium for a second-hand motorbike?


The insurance premium of a second-hand bike depends on the following factors.

  1. The brand, make, model, and variant of the bike
  2. The type of bike insurance policy that you select
  3. The registration city and state of your bike
  4. The geographical location where you will usually ride the bike
  5. The age of the bike and the depreciation accumulated on it
  6. The existing bike insurance
  7. The accumulated No Claim Bonus

By using the Tata AIG bike insurance calculator, you can calculate the insurance premium for your second-hand bike in a quick, easy and accurate manner.

What is a bike insurance calculator and how does it work?


A bike insurance premium calculator is a digital tool that helps you ascertain the insurance premium for your bike under a particular bike insurance policy. Whilst computing your bike’s insurance premium, the Tata AIG two wheeler insurance calculator takes into account several significant factors, including the bike’s manufacturer, make, model, variant, and year of purchase, the vehicle registration details, the geographical location where the bike will be primarily used.

Our bike insurance premium calculator has been designed to be user-friendly, transparent, and comprehensive. All you need to do is enter a few important details about your bike and the Tata AIG two wheeler insurance calculator will fetch the premium amount for the selected bike insurance policy, thereby assuring you of a seamless, cost-effective, and time-efficient policy purchase and renewal experience.

How accurate is Tata AIG's Bike Insurance Premium Calculator?


Tata AIG's Bike Insurance Premium Calculator is designed to provide accurate premium estimates based on your information. However, the final premium may vary depending on additional factors considered during the policy issuance, such as underwriting guidelines and verification of details.

Can I customise my coverage using Tata AIG's online bike insurance calculator?


Yes, Tata AIG's online bike insurance calculator allows you to customise your coverage. You can choose from different coverage options, add-ons, and deductibles to tailor the policy to your needs and preferences.

How can I purchase bike insurance online with Tata AIG after getting my desired premium rate through the premium calculator?


Purchasing bike insurance online with Tata AIG is simple. After using the premium calculator, you can purchase by providing your details, selecting the desired coverage, and paying online. Once the transaction is complete, Tata AIG will generate your policy, which can be downloaded or emailed.

Can I renew my existing bike insurance policy online using Tata AIG's platform?


You can easily renew your existing bike insurance policy online with Tata AIG. Simply visit our website, navigate the bike insurance section, and look for the renewal option.

Provide the necessary details, such as your policy number and personal information, and proceed with the online renewal process.

Our user-friendly platform ensures a seamless renewal experience, allowing you to continue enjoying the benefits of their bike insurance coverage without any hassle.

Which type of bike insurance policy is best for me?


The type of bike insurance plan should be based on factors such as: Type of bike Usage The location where it is used Type of purpose, whether regular commute, long rides, off-roading, etc., Coverage required Affordability

How many times can I make a claim on my bike insurance policy?


You can make several claims on your bike insurance policy. However, the total claim amount should not exceed your total bike insurance coverage.

Is purchasing comprehensive bike insurance really necessary?


The type of bike insurance required is based on the factors such as individual usage, the locality where it is used, etc. While third-party bike insurance is mandatory by law, it does not cover the stand-alone own damages that happened to your bike. Therefore, if your bike needs enhanced coverage to cover the damages incurred to your bike and third-party liabilities, comprehensive bike insurance is necessary.

Is a Ducati bike suitable for daily usage?


Ducati bikes are known for their versatility. It has different types of bikes for regular daily commutes and adventurous off-roading purposes.

What is the relevance behind the name Ducati?


The company for Ducati bikes is named after the company's co-founder Antonio Cavalieri Ducati.

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.