Kawasaki Ninja 300 Insurance

The Kawasaki Ninja 300 is a sports bike with various smart riding features that a rider could want in their dream bike. This bike is an excellent companion for long journeys thanks to its comfortable seating position, lighter kerb weight, and increased ground clearance. But what if your Ninja is not insured?

Here is how you can get the insurance policy for your bike from Tata AIG:

• Go to the Tata AIG website and navigate to the 2-wheeler insurance online page. On the screen, you will see renewal and purchase options.
• If you are an existing Tata AIG customer, simply enter your Ninja 300 registration details and click on the 'Renew' tab to renew your policy.
• First-time buyers must tap on the 'Get Price' after providing the necessary information.
• In the next step, fill out the insurance policy for the bike application form.
• Calculate your Ninja 300's insured declared value (IDV) and select the same from the drop-down menu.
• If earlier you have submitted any claim, mention it on your application. In the event of claim-free years, use the no-claim bonus (NCB) rewards (applicable for renewal) to lower the Kawasaki Ninja 300 insurance cost.
• Once you complete all the previous steps, your screen will display the Kawasaki bike insurance cost. You can boost the scope of your policy coverage by picking the most suitable riders.
• Finally, make a payment by selecting one of the various digital payment methods displayed on the screen.

After the payment transaction, you will receive a softcopy of your policy documents via email. Tata AIG offers offline purchasing options through their branch offices or registered insurance agents. You can also get your Kawasaki bike insurance renewal from Tata AIG without any hassle.

When you purchase comprehensive bike insurance, the Insurance Regulatory Development Authority of India (IRDAI) determines the premium for your policy’s third-party bike insurance portion. The regulator decides the premium based on the engine displacement size. The insurer is only responsible for determining the price for own-damage coverage.

The own-damage premium depends on the make and model, number of add-ons, registration city, and IDV. Your bike's IDV is the maximum sum your insurer will pay if your Ninja 300 is irreparably damaged or stolen. When the IDV is higher, so is the premium, and vice versa.

It is never recommended to share incorrect IDV for a lower premium, resulting in claim rejection. To calculate the IDV, you should always use an insurance premium calculator. You can calculate this figure manually by subtracting depreciation from the selling price.

In India, road mishaps are common. The majority of accidents are caused by disregard for traffic rules, drunk driving, pedestrian carelessness, and poor road conditions. If your bike is damaged in such tragic incidents, the repair costs are so high that paying for the repairs appears difficult if you do not have adequate insurance. However, there are some situations in which a standard policy with no riders will not suffice. For example, if your bike breaks down in the middle of your journey, you will need roadside assistance coverage to get immediate mechanical assistance.

While getting 2-wheeler insurance online, particularly, Kawasaki bike insurance online from Tata AIG, you can customise your policy based on your needs by selecting from the following riders –

• Consumable expense cover
• Return-to-invoice covers
• Depreciation allowance
• Personal accident cover
• Emergency medical expenses
• Roadside assistance cover
• Additional coverage for third-party property damage

A bike insurance policy does not cover every uneven incident. Also, the coverage varies slightly between insurance companies. Thus, reviewing the Kawasaki two-wheeler insurance policy wording before settling on any insurer is crucial. The scope of coverage is summarised below if you want to purchase a policy from Tata AIG.

[Note: Only comprehensive bike insurance and standalone own damage cover offer all the above-mentioned coverages. Third-party bike insurance coverage is strictly limited to paying for third-party liabilities.]

Kawasaki is one of India's most dependable motorcycle manufacturers. The brand has released some unique models in the Indian market over the years, and the Ninja 300 is one of them. You must have two-wheeler insurance from a reputable company such as Tata AIG for an elegant-looking sports bike.

Here are the key reasons why purchasing two-wheeler insurance from Tata AIG is a wise choice.

• Tata AIG has a legacy of successfully serving over five crore customers. The company is also expanding its pan-India reach to serve remote areas better.
• Tata AIG has a partnership with over 8700 network garages in India. In the event of an accident, you can take your bike to any of these garages for free services.
• You can expand the scope of your policy coverage by selecting from eight riders when purchasing or renewing your policy.
• Tata AIG has one of the best claim settlement ratios (98%) in the insurance industry and is known for its simplified claim settlement process.
• You can get up to a 50% discount on your Tata AIG policy premium by avoiding unnecessary claims and riding carefully.

The Ninja 300's bodywork is identical to other Ninja models. However, the bike has numerous enhancements that one cannot overlook. The floating windshield, high minimalistic tail design, digital panel, multi-reflector headlamps and sporty glass in the front give it a sleek appearance. In terms of comfort, the Ninja 300 has synchronised handlebars, a better seat height, and enough space to relieve knee strain during long rides.

This bike's powerful parallel twin engine and six-speed transmission allow it to reach a top speed of 182 km/h. Another thing to keep an eye on in this Ninja 300 is the pick-up. It only takes 5.6 seconds to accelerate from 0 to 100 km/h.

Technical features of Kawasaki Ninja 300

• Users reported mileage of 26 km/l
• Engine displacement of 296 cc
• Maximum torque of 26.1 Nm @ 10,000 rpm
• Maximum power of 38.88 bhp @ 11,000 rpm
• Fuel tank capacity of 17 litres

The Ninja 300 BS-VI is among the most affordable sports bikes in India. It comes in a single variant and three colour shades: Ebony, Candy Lime Green, and Lime Green. This bike's exclusive showroom price is ₹3,37,000. However, the price does not include insurance, registration fees, road tax, and a few other mandatory charges. Ninja 300 prices vary by state and are subject to revision at the company's discretion.

Although the Kawasaki Ninja 300 is a sports bike, it can also serve as an excellent daily commuter or intra-city ride companion. The larger 1405mm wheelbase, a lower kerb weight of 179 kg, and an ideal seat height of 1110 mm make this bike a popular choice in the entry/mid-level sports segment. Some other interesting attributes of this bike are as follows.

• The design is the primary reason to buy this bike. Ninja 300 sports a twin-pod headlight, Y-shaped alloy wheels, sporty windscreen, side-slung exhaust, and stylish split-style seats.
• The technical features of this bike include a four-stroke parallel twin engine, a fuel injection supply system, and liquid cooling technology. It further has a six-speed gearbox and digital ignition system.
• In terms of smart features, the Ninja 300 has heat management technology, a digital trip metre, an analogue tachometer, a forced lubrication wet sump, and a digital clock.

Kawasaki Ninja 300 is a mid-range sports bike known for its performance and sportier appearance. The bike has excellent riding dynamics, distinct exhaust notes, and parallel twin engines that distinguish it from its competitors. The following is a list of Ninja 300's main competitors.

• TVS Apache RR 310
• BMW G 310 R
• KTM 390 Duke
• BMW G 310 RR
• Keeway K300 R
• Honda CB300R
• TVS Akula-310
• BMW R nine T
• Royal Enfield Continental GT 650