Harley Davidson Insurance

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Harley Davidson Insurance

Founded in 1903, Harley Davidson is an American manufacturer of motorcycles based in Milwaukee, US. Known for its style and power, Harley initially marketed heavyweight motorcycles with an engine displacement of more than 700cc. However, the company gradually included contemporary and middle-weight bikes on its platform.

For more than 100-year-old history, Harley Davidson has won millions of hearts with its distinct looks, powerful engines and thrilling riding experience. Prices of this classy bike start from ₹11.99 lakhs and go up to ₹36.99 lakhs. No Harley owner would thus like to miss out on buying a Harley Davidson insurance policy to give it the protection it deserves.

Motor insurance is an agreement between a motor vehicle owner and the insurance provider where the insurer promises to compensate for the losses arising from third-party damages or own damages. In return, the vehicle owner has to pay premiums regularly.

A motor insurance policy is an efficient tool to stay financially secure if your precious Harley is damaged or you get injured while riding it. Not only this, but it also compensates for third-party damages or injuries.

Thus, considering the ever-increasing traffic on the road, thefts and natural disasters, it is crucial to protect your bike from unforeseen damages, especially an expensive bike like Harley Davidson.

Types of Motor Insurance

There are three types of motor insurance policies available. Let’s discuss each in brief.

Third-Party Liability Cover

The most basic motor insurance policy is a third-party liability cover, which is mandatory as per the Motor Vehicle Act 1988. Third-party motor insurance covers legal and financial liabilities arising out of third-party injuries or property damages. It means you can avail of compensation in case you injure a third party or damage his/her property.

Standalone Own-Damage Cover

Another motor insurance is own-damage cover where you can avail of compensation for your losses too. This policy covers damages caused due to accidents, vandalism, riots, theft, fire and explosion and damages beyond repair. However, an own-damage policy does not cover third-party damages, damages due to driving while drunk or without a licence, or mechanical and electrical breakdowns.

Comprehensive Insurance

It provides extensive coverage for your vehicle from several damages due to accidents, natural disasters, riots, strikes, vandalism, theft, and much more. In addition to the mentioned coverage, a comprehensive insurance policy offers financial protection against liabilities arising out of third-party injuries or damages. Not only this, comprehensive insurance comes with a Personal Accident Cover up to ₹15 Lakhs.

Moreover, a comprehensive policy allows you to enhance your vehicle’s protection with add-on covers that are available at extra costs. Hence, this extensive cover ensures the all-round protection of your motor vehicle.

Now that you know about the three types of motor insurance policies, you must evaluate your vehicle needs and opt for suitable insurance for your Harley.

Tata AIG offers all three types of motor insurance policies and also allows you to choose from the list of unique add-on covers to ensure maximum security of your Harley Davidson. You can buy or renew a suitable bike insurance policy with Tata AIG by following the steps below.

Harley Davidson Insurance Renewal/Buy via Tata AIG

Depending on the needs of your bike, you can buy insurance for 2-wheelers with Tata AIG through offline and online modes. To buy or renew the policy offline, you can visit the nearest Tata AIG office. But to purchase or renew bike insurance in a hassle-free manner, you can follow the simple steps and get your insurance for Harley Davidson online instantly.

  • Visit the Two-Wheeler Insurance page on the Tata AIG website

  • Enter the registration number of your Harley Davidson

  • Click “Get Price” if you wish to buy a new policy or “Renew” for a Harley Davidson insurance renewal

  • Fill out the form and get your two-wheeler insurance quote

  • Select the appropriate IDV or Insured Declared Value from the list

  • Don’t forget to inform Tata AIG about any past claims. If there are no past claims, you can avail of a No Claim Bonus

  • After providing the information about the IDV and past claims, the premium for your Harley Davidson motorcycle insurance will be displayed

  • To buy extra riders for your two-wheeler, you can pick from the add-on options and proceed with the payment

  • Once you complete the payment, Tata AIG will send a copy of your Harley Davidson insurance policy via email

Harley Davidson Insurance Price– Your Premium Amount

The Harley Davidson insurance cost depends on its Insured Declared Value (IDV). Insured Declared Value is the market value of your two-wheeler that the insurance company pays in case it is stolen or damaged beyond repair. The table below shows how IDV is calculated after considering the depreciation of your bike over the years.

Bike’s age  Depreciation 
Less than six months 0.05
6 months-1year 15%
1-2 years 20%
2-3 years 30%
3-4 years 40%
4-5 years 50%
More than 5 years Decided by the insurance provider and bike owner

While calculating the IDV of your Harley, Tata AIG considers several factors like its make and model, its age, rider’s age, registration city, type of use and fuel, cubic capacity, etc.

Now that you know how premium rates for your Harley Davidson insurance are calculated, you must also get a quote for your Harley Davidson two-wheeler insurance.

You can know your bike’s IDV by using Tata AIG’s online two-wheeler insurance calculator. This online tool helps you compare two-wheeler insurance policies and buy the most affordable plan. You can also visit a local dealer to know your Harley Davidson IDV.

Also, it is to be noted that the premium rates for third-party insurance for 2-wheelers depend on the IRDAI guidelines. The policy prices are standardised that is based on the vehicle’s engine cubic capacity.

Add-ons for Harley Davidson Insurance by Tata AIG

Comprehensive insurance may not provide the needed protection for expensive bikes like Harley Davidson. Hence, it is advisable to enhance your Harley Davidson insurance coverage with the help of add-on covers and give your Harley the protection it deserves. Tata AIG offers 12 unique add-on covers that are as follows:

  • No Claim Bonus Protection

  • Zero Depreciation Cover

  • Roadside Assistance Cover

  • Repair of Glass, Fibre and Plastic Parts

  • Daily Allowance Cover

  • Emergency Transport & Hotel Expense Cover

  • Key Replacement

  • Engine Secure

  • Tyre Secure

  • Consumables Expense

  • Loss of Personal Belongings

  • Return to Invoice Cover

[Note: Tata AIG believes in transparency and helps its customers make informed decisions. So, you must know that each add-on cover comes with additional costs and raises the bike insurance premium. So, before adding the riders, you should evaluate your Harley motorcycle insurance needs so that you can buy suitable ones.]

Things Covered and Not Covered under Tata AIG’s Harley Davidson Insurance

Before buying comprehensive insurance for your prized possession, you must know the several inclusions and exclusions under it. Here is a table that will help you understand what is covered and what is not under your Harley Davidson insurance:

Things covered under Harley Davidson Insurance Things not covered under Harley Davidson Insurance
Damages to third-party property and third-party death/injury Normal wear and tear due to depreciation
Damages caused by accidents Damages caused during driving without a driving licence
Damages due to natural calamities like earthquakes, floods, cyclones, etc. Mechanical or electrical breakdown and consequential loss
Damages due to riots, vandalism or strikes Damages caused by commercial usage of the bike
Theft, burglary or housebreaking damages Damages caused by driving under the influence of alcohol, drugs or other intoxicants
Damages caused by terrorist activities Damages due to racing activities
Fire damages due to self-ignition, explosion or lightning. Damages due to war or nuclear threats
Damages caused during transit Damages caused outside the geographical location mentioned in the policy

Why is it Important to Have Tata AIG for Your Harley Davidson Insurance?

Tata AIG is trusted by 5 crore happy and satisfied customers and is preserving millions of dream vehicles for more than 20 years. We believe in providing quality services to our customers and helping them make the best choices for their prized possessions.

At Tata AIG, you can purchase/renew suitable insurance policies for your vehicle in a hassle-free manner and also pick from the riders to enhance its protection.

Also, by purchasing bike insurance from Tata AIG, you can ensure a hassle-free and quick claim settlement process through our extensive network of cashless garages.

Not only this, Tata AIG is proud to have a 98% claim settlement ratio for FY 2020-21.

Overview – Harley Davidson Model

Harley Davidson specialises in manufacturing true-blue American cruisers equipped with torquey V-twin engines. The Milwaukee brand produces bikes of different genres, including Sports, cruisers, touring, adventure touring, electric and trike. Harley introduced Indians to its first dealership in 2010. Before this, Harley bikes came to India through CBU (Completely Built-Up Unit) route.

Currently, Harley offers fourteen bike models and has plans to launch new models that include Streetfighter 975, Custom 1250 and Iron 1200.

Key Highlights of H-D bike models are:

Model Engine Displacement Power
Harley Davidson Iron 883 883cc 50.9bhp
Harley Davidson Fat Boy 114 1745cc 93.8bhp
Harley Davidson Forty-Eight 1202cc 65.7bhp
Harley Davidson Street Glide Special 1868cc 92.5bhp
Harley Davidson Nightster 975cc 88.5bhp
Harley Davidson Sportster S 1252cc 120.69bhp
Harley Davidson Pan America 1250 1252cc 150.19bhp
Harley Davidson Fat Bob 1868cc 92.5bhp
Harley Davidson Heritage Classic 1868cc 92.5bhp
Harley Davidson Road Glide Special 1868cc 92.5bhp
Harley Davidson Road King 1745cc 83.14bhp
Harley Davidson Street Bob 1868cc 85.8bhp
Harley Davidson Softail 1746cc 85bhp
Harley Davidson Electra Glide 1746cc 88bhp

Harley Davidson Price and Variants

Harley Davidson is available in fourteen models, prices of which are as follows:

Models Ex-Showroom Price
Harley Davidson Iron 883 ₹11.99 Lakh
Harley Davidson Fat Boy 114 ₹21.99 Lakh
Harley Davidson Forty-Eight ₹13.49 Lakh
Harley Davidson Street Glide Special ₹33.99 Lakh
Harley Davidson Nightster ₹14.99 Lakh
Harley Davidson Sportster S ₹16.51 Lakh
Harley Davidson Pan America 1250 ₹18.25 - 20.99 Lakh
Harley Davidson Fat Bob ₹17.99 Lakh
Harley Davidson Heritage Classic ₹23.49 Lakh
Harley Davidson Road Glide Special ₹36.99 Lakh
Harley Davidson Road King ₹28.49 Lakh
Harley Davidson Street Bob ₹16. 01 Lakh
Harley Davidson Softail ₹15.25 Lakh
Harley Davidson Electra Glide ₹24.99 Lakh

Unique Selling Points: Harley Davidson Features

Harley Davidson, an American icon, has been a symbol of epic riding and freedom. The brand is perfecting its classics and introducing innovative and stylish bikes for decades.

Every bike is powered by engines that are mechanical marvels in themselves. Usually, the engines of Harley bikes are massive with the unique design of valve covers and cylinder heads. They are one of the best-engineered and technologically advanced motorcycle engines in the world. With their distinctive throaty sound, the engines make Harley bikes’ presence thrilling and fill the onlookers with excitement.

While the sports bikes like Nightster and Sportster S are best suited to carve the mountains and roads with their blasting presence, Harley cruisers like Iron 883, Fat Bob and others are the perfect combination of modern technology and classic style that provides an unmatched riding experience.

Road King, Road Glide and Street Glide fall in the category of Grand American Touring and are super styled bikes that offer you a luxurious feel while you discover the world far and wide. With an extremely comfortable riding position, these Harley beauties provide a one-of-a-kind riding experience. On the other hand, adventure touring bikes from Harley are perfectly designed for adventure enthusiasts.

The list doesn’t stop here, Harley is also known for its electric bikes like Electra Glide. The brand has also recently showcased its fully electric cruiser bike- LiveWire.

Harley Davidson also runs Custom Vehicle Operations (CV0), where existing models are customised in limited numbers. This Harley feature is loved by many bike enthusiasts.

Thus, Harley Davidson bikes are thrilling to ride and exciting to show off. The brand has incorporated modern technology and looks while staying rooted in its history. Every model comes with a distinct Harley attitude that is ready to conquer the roads.

Rivals of Harley Davidson Bike

With an amazingly huge fanbase, you may wonder if any bike can compete with Harley. However, the following bikes give tough competition to this popular bike brand:

  • Royal Enfield Meteor 350

  • Royal Enfield Classic 350

  • Benelli Imperiale 400

  • Kawasaki Vulcan 900

  • Kawasaki Z650

  • Triumph Street Scrambler 900

  • BMW GR10R

  • Suzuki Hayabusa

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

Which are the most famous H-D bikes available in India?

Which are the most famous H-D bikes available in India?


The top Harley bikes available in India are the Iron 883, Sportster S and Nightster.

Which is the cheapest Harley bike in India?


The cheapest Harley bike in India is the Iron 883 priced at Rs. 11.99 lakh.

What are the upcoming models of Harley Davidson?


Upcoming H-D bikes in India include Streetfighter 975, Custom 1250 and Iron 1200.

How to raise a claim for two-wheeler insurance?


To claim your two-wheeler insurance policy, follow the simple steps:

Call on 1800- 266-7780 or visit the “Claims Support” page on the Tata AIG website.

Now fill in the required information.

You will receive a link on your registered mobile number for self-inspection.

Fill in the correct details about the two-wheeler damages in the self-inspection form.

A surveyor will also visit to inspect the insured two-wheeler.

Make a cashless claim at the network garages or ask for reimbursement for the damages.

Submit the following documents to file a claim: Claim form, FIR if present, address and identity proofs, and insurance policy documents.

You can also track the claim settlement process online.

After examining your claim, Tata AIG will approve and settle it.

What is the process for Harley Davidson two-wheeler insurance renewal?


To renew your Harley Davidson bike insurance, visit the two-wheeler Insurance page on the Tata AIG website and follow the steps: Enter your bike’s registration number and click the “Renew” option. Fill out the form with the correct details about the bike. To get the bike insurance renewal price, select the correct IDV of your bike. Notify the insurance company about the previous claims to avail of the No Claim Bonus. Add suitable riders if you wish to enhance your bike’s insurance coverage. Choose any digital payment option to make the payment, after which you will receive a soft copy via email.

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.