Secure Your Honda Activa Instantly
Honda Activa Insurance
Honda Motorcycle & Scooter India (HMSI), the wholly-owned subsidiary of Honda Motor Company, Japan, first entered the Indian two-wheeler market more than two decades ago. It is now on the way to become India's 2nd largest two-wheeler company, pushing homegrown Bajaj Auto to the third spot.
The main reason for this mammoth success belonged to Honda Activa. Honda Activa was first launched in India in the year 2001 and, since then, has captured the Indian two-wheeler market like no other. The brand's immense success and trust in the market can be reflected in its strong base of over 55 million happy customers. During this period, the brand continued to achieve various milestones, and as the new-age scooter acceptability continued to rise, the brand Activa became the first choice.
Riding an Activa is no less than an emotion, but being safe is a priority. When we speak about safety, the first thing is to have valid insurance for a 2-wheeler. Also, it is mandatory to have third-party insurance for all vehicles, irrespective of their fuel type.
Although third-party insurance is mandatory, having comprehensive bike insurance is recommended. A comprehensive bike insurance policy for your Honda Activa from Tata AIG helps you provide financial protection against self or third-party injury or damages to the bike. With various other features and add-ons, the insurance policy ensures that you have holistic coverage for your scooter at an affordable price.
Purchasing or Renewing Your Activa Two-wheeler Insurance with Tata AIG Online
Purchasing or renewing a bike insurance policy online with Tata AIG is simple and hassle-free, thanks to digitalisation. We aim to provide customer satisfaction through our service and ease of doing business at the top of the list. Our user-friendly website lets you compare, buy, renew, initiate claims, and make payments safely.
To purchase or renew your Activa two-wheeler insurance online, follow the below easy steps:**
Step 1: Visit Tata AIG's official website. Under the 'All product' tab, select 'Bike Insurance'.
Step 2: This will lead you to the two-wheeler insurance policy page.
Step 3: Enter your bike's registration number.
Step 4: If you are a new customer buying insurance for a 2-wheeler for the first time, click the 'Get Price' button. Alternatively, click the Renew button to renew your existing Honda Activa insurance.
Step 5: Next, you will be led to a page displaying a form on the screen. You must enter all the personal details like your name, contact details, identity and KYC details, etc.
Step 6: You must also enter your bike-related details, like the model and variant and mention an appropriate Insured Declared Value (IDV) for your bike. IDV is an essential factor that determines the premium amount. It signifies the current market value of your Activa and hence must be chosen wisely. The higher the IDV, the higher the premium and vice versa.
Step 7: Next, mention the claim history if you renew your policy. Your previous claims also have an impact on your premium. Moreover, you will be eligible for a 'No Claim Bonus' if you have had a claim-free year. An NCB is like a discount given on the premium for every claim-free year.
Step 8: If you wish to enhance your coverage or customise your plan, you can do so by adding riders. Tata AIG offers seven riders, including zero depreciation cover, consumables cover, return-to-invoice cover etc. However, it must be noted that the addition of riders to your base plan comes at a cost. Hence, choose the riders carefully depending on the requirement and price.
Step 9: Your Activa insurance price list and sum insured will be displayed on your screen.
Step 10: If you agree, select the plan and pay online.
Step 11: After successful payment, you will receive your policy documents and other details on your registered email address or Whatsapp number.
Honda Activa Insurance Cost – Your Payable Premium Amount
Premium is one of the crucial aspects we consider before purchasing or renewing a two-wheeler policy. Although it is not the only factor, it is undoubtedly vital.
Choosing the right insurance for 2-wheelers can be challenging, especially for individuals with limited knowledge about insurance or are the first time. Hence, the best way to shortlist a plan is to consider its cost-benefit balance.
You can calculate your Honda Activa insurance cost, as well as Honda Activa insurance renewal price, using our bike insurance calculator or get help from our dedicated and experienced 24x7 customer service team.
This straightforward online tool displays estimated results in just a few seconds. Also, Activa insurance price list amounts vary from one individual to another. Hence this tool gives you a fair idea of how much you need to pay.
So, what factors affect your Honda Activa insurance cost or premium? Let's take a look.
The type of plan selected (comprehensive, third-party, standalone)
Make and model your vehicle
Engine type and cubic capacity
No claim bonus discount (if applicable, for comprehensive insurance policies)
The geographical location of your two-wheeler
Age of your vehicle (to understand the condition)
Age of the insured and driving record
Whether any modifications are done or additional devices added
Besides the above mentioned factors, another crucial factor that will determine Activa's insurance renewal price is the Insured Declared Value (IDV). Suppose your insured two-wheeler suffers an irreparable loss, a total loss or is stolen; the insurance provider will pay the amount equal to the IDV. This amount is the current market value of your vehicle, and you must mention it while purchasing or renewing the policy.
It must be noted that a higher IDV will attract a higher premium as it means the insurer will have to pay a higher amount in case of a total loss. Moreover, the IDV of any vehicle decreases with time. Hence, the IDV mentioned in the previous year is typically more than the IDV to be mentioned in the current year's renewal.
Comprehensive bike insurance typically comes at a higher price than third-party or standalone cover due to its extensive coverage. However, it is recommended to opt for comprehensive coverage from a reputed provider like Tata AIG, which offers all-around coverage at the best rates.
Additional Rider Plans for Your Honda Activa Insurance Online
Adding a rider to your base plan can enhance your comprehensive coverage. We offer 7 rider plans, as discussed below.
Zero Depreciation or Depreciation allowance: Typically, depreciation is deducted from the claim amount at the time of claim settlement. With zero depreciation cover or depreciation allowance rider, the total cost of repairing or replacing damaged parts will be reimbursed without depreciation deduction.
Return-to-Invoice cover: Return-to-invoice rider covers the difference between the Insured Declared Value (IDV) mentioned at the time of purchase or renewal of the policy and the invoice value of the bike. This rider is applicable mainly in case of total loss.
Emergency Medical Support: The rider covers medical expenses, and ambulance costs suffered in case of an accident during the policy term up to a specific limit.
Additional Personal Accident Cover for the Owner-Driver: Under this rider, the owner-rider of the bike gets an additional personal accident cover of up to ₹15 lakhs.
Additional Third-Party Property Damage Cover: Third-party liability insurance is mandatory and part of comprehensive overage. With this rider, you get additional third-party property damage over.
Consumables Expenses: This rider plan covers the cost of consumable items such as oil, nuts and bolts etc., incurred while replacing or repairing the bike after an accident. It helps you to reduce out-of-pocket expenses.
Roadside Assistance: With Tata AIG's roadside assistance rider, you get immediate 24X7 breakdown assistance. You can also avail an on-the-spot repair facility to help you continue your journey smoothly. Our roadside assistance includes towing to the nearest garage, fuel delivery, battery jump-start etc.
Things Included/Excluded Under Tata AIG's Bike Insurance for Honda Activa
|Things Covered Under Tata AIG’s Honda Activa Insurance||Things Not Covered Under Tata AIG’s Honda Activa Insurance|
|Coverage for damage caused by your Honda Activa through all modes of transport including waterway, airway, railway, or roadway is included.||No coverage is provided for damages caused to your Honda Activa if used for racing, speed and reliability tests, crash testing etc.|
|Coverage for damages to your two-wheeler from natural and man-made disasters. Natural disasters included in the policy are earthquakes, floods, cyclones, floods, lightning etc. Man-made disasters include theft, strikes, riots, explosions, terrorist attacks, etc.||Negligence or not following rules act as exclusions and the insurance provider shall not pay for any damages caused due to such reasons. Negligence may include riding without a valid or driving licence or other mandatory documents, under the influence of intoxicants like alcohol, drugs etc. Also, if the two-wheeler is used outside geographical boundaries or for commercial purpose any damage caused shall not be covered.|
|Personal accident coverage of up to ₹15 lakhs is offered to the owner-driver. It covers medical costs arising while treating accident-related injuries. Also, in case of death of the policyholder due to the accident, the appointed beneficiary will get the death benefit.||Damages caused due to situations like war, civil unrest, nuclear perils, or similar other situations and not covered.|
|Comprehensive insurance includes third-party damages to the third-party property or any bodily injury.||If damage is caused to the bike due to theft, burglary, that takes place at the house and the bike is not stolen.|
|Expand your policy coverage with Tata AIG’s 7 bike insurance riders. Some of these add-ons include depreciation allowance, personal owner-driver accident, consumables expense, return to invoice, etc.||General depreciation or wear and tear is typically not covered. However, you can opt for zero depreciation cover to overcome this.|
Why Should You Get Tata AIG Activa Two-wheeler Insurance?
Two-wheelers are one of the most preferred modes of transport, especially for covering shorter distances or commuting within a city or place with limited public transport facilities or extreme traffic conditions. However, with these conveniences, there are certain risks attached. Your Honda Activa is no less prone to these standard risks. Also, looking at the rise in accidents and poor road conditions, the Motor Vehicles Act 1988 requires third-party insurance for your bike to be eligible to run on the roads.
But, with several insurance players in the market, choosing the right one can be daunting since choosing a trusted brand that offers comprehensive coverage and other facilities at an affordable price is the best. Tata AIG checks all these boxes, making us one of the country's most preferred bike insurance providers.
Brand: We have more than 20 years of experience in the insurance industry, making us one of the most reliable brands. With our customer-centric approach and seamless services to enhance customer satisfaction, we have acquired the trust of more than 5 crore people in the country.
Comprehensive coverage: To ensure that we fulfil all the needs of our customers, we have designed a comprehensive plan. This plan gives holistic coverage and the liberty to customise it further, depending on your need.
Affordability: Extensive coverage need not necessarily mean burning a hole in your pocket. Our plans are affordable and give you value for money.
Team of professionals: With over 650 in-house claim experts and a dedicated 24X7 support team, you can be assured that we are ready to resolve any issue arising from your insurance for 2-wheelers with a quick turnaround time. This reinstates the fact that we place customer satisfaction as a priority.
High CSR: A high Claim Settlement Ratio (CSR) of 98% for the financial year 2020-21 makes us trustworthy and dependable. Additionally, you can experience a 3-step insurance claim initiation process for a quick and easy claim settlement.
Network of garages: When you purchase a bike insurance policy from Tata AIG, you can access our extensive network of garages. We have more than 5000 garages located nationwide for a quick cashless claim facility.
Online facility: Not just buy or renew your insurance, with Tata AIG, you can also compare two-wheeler insurance policies online. This comparison makes it easier to choose a plan. Moreover, you can also initiate claims online, making the entire process hassle-free, paperless and swift. There are various other tools that you can use online, like the bike insurance calculator, claim tracking, policy editing etc.
Honda Activa: A Brief Overview & USP
Very rarely does a two-wheeler capture our hearts like Activa has. Over the years, the brand has made a special place from merely being used as a utility vehicle to a more emotional connection. Being around for more than two decades and still going strong is a testament to what Activa is for the nation. A lot has changed over the years, but Activa remains the favourite of every Indian family.
Honda Activa launched its 6th generation scooter Honda Activa 6G, in 2020. On January 23, 2023, Honda Motorcycle & Scooter India (HMSI) launched a new 'Smart' variant of the brand. Let us look at some of the features of Activa 6G.
This newer version is bigger than the 5G model, giving it an increased wheelbase and a more extended, spacious seat.
The 6G model shows no major design transformation, just a slight visual tweak with chrome and a revised fascia design.
It has a combined braking system of both wheels, telescopic front suspension and programmed fuel injection.
The scooter also has a multi-ignition key with remote seat hatch operation, engine start-stop, and an external fluid filler lid. The Smart Key variant offers the keyless operation, allowing access to various functions like handlebar lock/unlock, under-seat storage, and fuel lid opening. You can also locate the scooter in the parking lot using this function.
The 6G scooter comes in two variants – the standard variant and the deluxe variant. The company has recently launched the Activa 6G H-Smart variant. Honda Activa 6G is available in six colours - blue, red, yellow, black, white and grey.
Honda Activa Price
|Variant||Price (Ex-showroom price in Delhi)|
|Activa 6G Standard||₹ 77,704|
|Activa 6G Deluxe||₹ 80,204|
|Activa 6G H-Smart||₹ 83,685|
Rivals of Honda Activa
Suzuki Access 125
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Frequently Asked Question
What is the cost of Activa insurance?
The cost of Honda Activa insurance depends on various factors and may vary from one individual to another. Some factors that determine Honda Activa insurance renewal price or purchase price include the bike's make and model, the bike's age and geographical area, the age and driving history of the rider/policyholder, type of insurance selected, IDV, riders added, etc. Thus, check the estimated Honda Activa insurance renewal or purchase price using our bike insurance calculator.
How to check Honda Activa insurance?
To check Honda Activa insurance status online, follow the below steps.
Step 1: Visit the official Parivahan website.
Step 2: Under the "Informational Services" tab, select "Know Your Vehicle Details".
Step 3: You will be directed to the Vahan NR e-services page. Enter your registered mobile number if you have an existing account or create one.
Step 4: Enter the bike registration number and verification code and click "Search Vehicle" after login.
Step 5: The insurance details of your Honda Activa will be displayed on the screen.
Read here for more details.
How to claim Activa 6G insurance?
To raise a claim, you must first inform Tata AIG about the incident using our online portal or through our 24X7 customer care team. You will then have to submit or upload all the documents, including the FIR copy, bike RC, insurance policy copy, and other required documents. After filing the claim, you will receive a Claim Registration Number through which you can track your claim. Our team will verify the documents and other details and settle the claim amount directly to your bank account.
What is third-party insurance Activa?
Third-party insurance for Activa is a mandatory policy for all bikes to be eligible to run on Indian roads. It covers damages caused by the third-party person, property or vehicle involving the insured bike. Although third-party insurance is mandatory a comprehensive insurance policy is recommended.
How can I benefit from the No Claim Bonus? Is it transferable?
Tata AIG offers a No Claim Bonus under a comprehensive bike insurance plan if you haven't applied for any claim in the past 1 year. It is like a reward given by the insurance company to the insured for raising no claim in the previous year. This reward is given as a discount on the premium. NCB for the 1st year is 20%; for the 2nd year, it is 25%; for the 3rd year is 35%; for the 4th year is 45% and for the 5th year is 50%.
Since the NCB discount is given to the policyholder, it can be transferred to the new bike insurance policy.
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.