Kawasaki Ninja 650 Insurance

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Ninja 650 Insurance

The Kawasaki Ninja 650 is a sport-touring motorcycle in production since 2006. It is powered by a 649cc parallel-twin engine and features a lightweight, sporty design. It has a comfortable riding position and a range of features that make it well-suited for sporty riding and long-distance touring.

It is a popular choice among riders looking for a versatile and capable motorcycle that can handle a variety of riding styles. The bike is available in two variants: one is a standard model and the other is a sportier version called the Ninja 650 STD.

If you own a Kawasaki Ninja 650 bike, you probably know how enjoyable a long ride on this bike can be! And to help your bike give you a thrilling experience with every ride, you need to look out for the most suitable bike insurance policy.

Since it is mandatory to have a third-party bike insurance policy as per the Motor Vehicle Act of 1988, a simple third-party policy can offer coverage against damages to third-party persons, vehicles, and property. However, for more extensive coverage that protects your bike from various damages, a comprehensive two-wheeler insurance policy is necessary.

The Ninja 650 has been updated throughout the years with new features and design improvements, and it continues to be a popular model in the Kawasaki lineup. Understanding how important such a stylish and durable bike is for you, Tata AIG can take care of the insurance for your 2-wheeler with a selection of bike insurance plans online!

Kawasaki Ninja 650 Insurance Renewal and Purchase under Tata AIG

When it comes to protecting your Kawasaki Ninja 650 bike, Tata AIG offers a clear, swift, and hassle-free online process. This ensures that you can save the time and effort required to select a suitable Kawasaki bike insurance policy.

A simple process also means that you can get your new Kawasaki bike insurance online or complete the Kawasaki Ninja 650 insurance renewal from anywhere and at any time:

  • Visit the "two-wheeler insurance" page on the Tata AIG official website.
  • To buy a new Tata AIG policy, fill in your bike’s registration number and click on "Get Price".
  • In case of your Kawasaki bike insurance renewal, you can refresh your existing Tata AIG bike insurance plan by selecting "Renew".
  • Mention all the details correctly as needed on the online form, like your personal information, details about your bike, and the expiry of your existing policy.
  • Choose a suitable Insured Declared Value (IDV) for your bike. The IDV is the current market value of your two-wheeler, which is used to calculate the insurance coverage for your bike.
  • If you have filed any claims in the past, mention those details. If not, you can avail of the "No Claim Bonus".
  • Choose any of our secure digital payment channels to pay your premium. We will send you a soft copy of your two-wheeler insurance on your email as well as on WhatsApp.

Kawasaki Ninja 650 Insurance Price - Your Premium Amount

The premium amount of your Ninja 650 insurance is based on a range of different factors, such as the make and model of your bike, the age of the two-wheeler, its IDV or Insured Declared Value as also any modifications to the motorcycle.

The IDV is one of the most important factors for deciding your Kawasaki bike insurance cost as it is the current market value of your two-wheeler. In the event of a total loss due to irreparable and extensive damage or the theft of your bike, this is the amount that will cover the loss.

It is necessary to choose an appropriate IDV for your bike since a low IDV will mean inadequate insurance coverage, while a high IDV will incur expensive premiums.

In case you make certain modifications to your bike, keep in mind that any attachment that embellishes your two-wheeler can make it more susceptible to theft. On the other hand, a security system or additional safety features can mean a lower premium. Therefore, these modifications can also impact your premiums.

To quickly know the premiums of your two-wheeler insurance, Tata AIG also offers an online bike insurance premium calculator. Instead of manually calculating all the above factors to get a suitable premium amount, this online tool can easily give you the premium amount in a short span of time. By choosing a reasonable premium amount, you can secure your bike as per your needs.

Inclusions and Exclusions under Tata AIG Kawasaki Ninja 650 Bike Insurance Policy

The following damages, as given below, can be covered under, or excluded from your Kawasaki Ninja 650 insurance policy. Tata AIG also enables to compare two-wheeler insurance policies, so that you can find the most suitable coverage for your bike’s protection and security.

Be sure to understand what these inclusions and exclusions are, so that you can give your bike the most suitable insurance coverage:

Inclusions under Tata AIG Bike Insurance Exclusions under Tata AIG Bike Insurance
Losses to your two-wheeler due to natural disasters such as earthquakes, cyclones, and floods. Losses caused to your bike during a break-in/burglary.
Damage to your bike due to human causes like riots, terror attacks, and other forms of violence. Damage to your motorcycle due to nuclear threats, war, mutiny, or acts of rebellion.
If your bike is damaged when being transported through roadways, waterways, airways, and railways. Losses that your two-wheeler may suffer due to speed racing, adventure sports and other durability examinations.
The total loss of your bike, caused by complete and irreversible damage or theft. Any damages to your bike that takes place outside the geographical scope (India) as given in the policy document.
An accident cover of a maximum of ₹15 lakhs for physical injuries due to an accident. Damages to your bike as result of wear and tear with regular use or mechanical and electrical failures.
Third-party financial losses due the injury or death of a third-party person, or damages to a third-part property or vehicle, caused by your bike. Any losses suffered by your two-wheeler when it is being used in a restricted area/zone.

Why Should You Select Tata AIG for Your Kawasaki Ninja 650 Bike Insurance Policy?

Once you purchase your bike, an important part of caring for your two-wheeler is to find a suitable bike insurance policy. A comprehensive bike insurance plan should cover all types of damages to your bike, ranging from natural disasters to losses due to human causes as well as accidental mishaps.

Considering that your Kawasaki Ninja 650 is a lifetime investment for you, Tata AIG commits to the care of your motorcycle with a range of bike insurance plans that you can choose from. We also enable you to calculate your premiums online with our bike insurance calculator so that the insurance premiums you pay are well within your budget and as per your needs.

Apart from that, here are some more reasons why you should have a Tata AIG bike insurance policy for your two-wheeler:

  • We offer quality insurance products and services with over 20 years of experience, helping us earn the trust of our customers.
  • You can choose from a comprehensive selection of 7 add-ons to procure more comprehensive coverage for your bike.
  • Our claim settlement ratio of 98% during the financial year 2020-2021 is proof of our commitment to serving your interests.
  • We have an efficient team of over 650 agents who are available to assist you with your insurance needs 24x7 support.
  • Our online processes are paperless and swift, which helps you save a lot of time and effort while purchasing and renewing your policy or even while filing a claim.
  • You can enjoy cashless claims at over 3300 network garages spread across the country.

Kawasaki Ninja 650: A Brief Overview of the Bike

A close look at the Kawasaki Ninja 650 gives you an idea of what a good motorcycle for daily use should look like.

The Ninja 650 comes with a standard ABS (Anti-Lock Brake System) which gives the rider an extra safety net while braking hard in emergency situations. This versatile motorcycle can be used for commuting, touring, and sport riding and offers a good balance of power, handling, and comfort.

For daily commutes and long rides outside the city, it is important to have a relaxed seating position. And this is what the Ninja 650 efficiently takes care of with a comfortable and sporty riding position, a low seat height and an easy handlebar position.

Throughout its production history, the Ninja 650 has undergone several updates and changes, and it offers a balance of power, handling, and comfort that makes it a great option for riders of all experience levels.

Kawasaki Ninja 650 Variants and Price

Variant Ex-Showroom Price* in New Delhi (₹)
Kawasaki Ninja 650 STD ₹7.97 lakhs

Kawasaki Ninja 650 Features: Unique Selling Points

The Kawasaki Ninja 650 is a sport motorcycle that has been praised for its versatility, offering a balance of sportiness and comfort. Some of the unique selling points and features of the Ninja 650 include:

  • Suspension: The Ninja 650 features 41mm telescopic front forks and a preload-adjustable rear shock that provide a smooth and stable ride.
  • Engine: This smooth bike is powered by a 649cc parallel-twin engine that delivers smooth power and torque across the rev range. The engine is also fuel-efficient and has low emissions.
  • Brakes: The Ninja 650 is equipped with dual-piston caliper 300mm petal-type front brakes and a 220mm petal-type rear brake that provide strong and consistent stopping power.
  • Chassis: The sporty two-wheeler features a lightweight, high-tensile steel trellis frame that provides a balance of rigidity and flexibility for a comfortable ride.
  • Styling: This two-wheeler has a sleek and sporty design that stands out with its sharp lines and aggressive styling.
  • Technology: The bike is equipped with a range of advanced technology such as a digital instrument cluster, a gear position indicator, and a low fuel warning light.

Top Competitors of the Kawasaki Ninja 650

The following bikes are the top competitors of the Kawasaki Ninja 650:

  • Yamaha R6
  • Suzuki GSX-S750
  • Triumph Street Triple
  • Honda CBR650R
  • Ducati Monster 797
  • KTM Duke 790
  • Aprilia Shiver 900
  • Benelli TNT 600i

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. What add-ons can I opt for with my Tata AIG Kawasaki Ninja 650 bike insurance policy?

1. What add-ons can I opt for with my Tata AIG Kawasaki Ninja 650 bike insurance policy?


You can include one or more of the following add-ons to your Tata AIG Kawasaki Ninja 650 bike insurance policy:

  • Depreciation Allowance
  • Emergency Medical Expenses
  • Roadside Assistance
  • Return-to-Invoice Cover
  • Consumables Expenses
  • Additional Personal Accident Cover for the Owner-Driver
  • Additional Third-Party Property Damage Cover

2. Do the add-on covers incur an additional cost on my bike insurance policy?


Yes, every add-on will incur an additional but reasonable premium charge. If you are aware of what type of damages you want to secure your bike against, only choose the appropriate add-ons. When comparing policies online, you can decide which add-ons can protect your bike and also keep your premium amount affordable.

3. Which documents are needed to purchase or renew my Ninja 650 bike insurance policy online?


Tata AIG offers a swift and seamless online process if you want to buy or renew your bike insurance policy. Therefore, there is no need for providing any documents. All you need to do is fill in the correct details pertaining to your two-wheeler in our online form and complete the purchase or renewal.

4. What type of bike insurance policy should I choose for my Kawasaki Ninja 650?


A third-party bike insurance policy is a mandatory requirement by law. However, this type of policy only secures you and your bile against damages to third-party vehicles, persons, or property. If you want complete insurance coverage for your bike, you can opt for the comprehensive bike insurance policy by Tata AIG.