Ktm Rc 200 Insurance

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KTM RC 200 Insurance

With its crisp looks and high-end features, KTM RC 200 is one of the most popular single-cylinder bikes in India from KTM. It is a sports bike equipped with a powerful 199.5CC engine and has won millions of hearts with its excellent performance. While the sporty and aggressive looks make the KTM RC 200 mesmerising to look at, the state-of-the-art technology makes it effortless and exciting to ride.

Hence, when considering a bike with stunning looks, excellent specifications and a price of ₹2.15 lakhs, it is crucial to protect it with a suitable bike insurance policy. Moreover, for the ever-increasing traffic, natural calamities and theft, insurance for bikes act as a vital layer of financial protection.

The three types of two-wheeler insurance policies in India are as follows — third-party liability covers, standalone own-damage covers, and comprehensive insurance. Among these types, third-party liability cover is a legal mandate, and other types of insurance are optional. However, a third-party liability cover is only limited to third parties. It shall not pay anything for damages caused to your vehicle or you. In that case, we suggest you buy a comprehensive bike insurance policy.

A comprehensive insurance policy offers a wide range of coverage, but you must renew it every year. In case that becomes a hassle, you can opt for a long-term two-wheeler insurance policy. With this, you can insure your bike for two to three years and remain stress-free without renewing it every year.

Find out more about why two-wheeler insurance is essential and how you can buy one with Tata AIG.

KTM RC 200 Insurance Renewal/ Buy via Tata AIG

Tata AIG lets you buy KTM insurance offline and online. You can visit the nearest Tata AIG office, if you prefer the offline process and take help from our in-office insurance expert.

However, to purchase or renew KTM bike insurance without hassle, you can follow the steps given below and get your bike insurance online instantly.

  • Visit the Two-wheeler insurance page on the Tata AIG website

  • Enter your KTM registration number

  • Click “Get Price” for a new issue or “Renew” for a Bajaj KTM insurance renewal

  • Fill out the form given to get your bike insurance quote

  • Select the correct Insured Declared Value (IDV) from the list given

  • Notify the insurance provider about any past claims, in the absence of which you can benefit from the No Claim Bonus (NCB)

  • After providing the required information, the premium for your KTM RC 200 insurance will be displayed

  • If you want to buy extra riders for your bike, pick from the add-on options and proceed with the payment

  • You will be sent a soft copy of your bike insurance policy via email once the payment is received

KTM RC 200 Insurance Price – Your Premium Amount

Tata AIG decides the KTM RC 200 insurance cost after considering various factors like the bike’s make and model, age, type of fuel, place of registration, engine cubic capacity, etc. After evaluating these factors, the company calculates the bike’s IDV. IDV is your bike’s current market value, based on which the insurance company compensates you if it is stolen or completely damaged.

Getting a quote for your KTM insurance is necessary to make an informed decision. You can use Tata AIG’s online two-wheeler insurance premium calculator, know your KTM insurance price, compare quotes, and purchase the most suitable plan. You can also visit a local dealer to know your bike’s IDV.

[Note: Third-party bike insurance prices are based on the guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI). These prices are standardised according to the bike’s engine cubic capacity.]

Add-ons for KTM RC 200 Insurance by Tata AIG

Usually, comprehensive insurance for bikes may not be sufficient to cover all kinds of losses. Hence, Tata AIG offers suitable add-on covers that protect your bike. Here is the list of riders available in addition to two-wheeler insurance:

  • Depreciation Allowance

  • Return to Invoice Cover

  • Emergency Medical Expenses

  • Additional Personal Accident Cover for Owner-driver

  • Additional Third-Party Property Damage

  • Roadside Assistance

  • Consumables Expenses

[Note: Each add-on cover involves extra costs which raises your bike insurance premium. So, evaluating your bike’s needs before picking any rider is crucial for wise decisions. ]

Things Covered and Not Covered under Tata AIG’s KTM RC 200 Insurance

Here is a table that will help you understand the inclusions and exclusions of a comprehensive insurance plan:

Things covered under KTM RC 200 Insurance Things not covered under KTM RC 200 Insurance
Damage and loss to your insured bike from-
  • Natural calamities like-
  • Floods
  • Cyclones
  • Earthquakes
  • Snowfall 
  • Man-made disasters like
  • Riots
  • Strikes
  • Self-ignition
  • Explosions
  • Terrorist attacks
  • Acts of malice
  • Theft of the bike  
  • Damages caused due to your contributory negligence including-
  • Riding without a valid driving licence
  • Riding without a helmet 
  • Riding for a commercial purpose 
  • Riding under the influence of intoxicants/ alcohol/ drugs 
  • Riding in a flood-prone area (consequential damage)
  • Riding outside the geographical zones of India 
  • Damage caused to your bike in transit/ mid-travel through airways, waterways, roadways, and railways. Damage caused to your bike by being used for racing, speed racing, crash testing, and other reliability trials. 
    Damages or death caused to third parties, their vehicle and property. Any time-bound loss, general wear and tear, ageing, and age-related mechanical and electrical breakdown of the bike.
    Medical insurance coverage up to ₹15 lakhs for injuries caused to you by an accident. In the case of death, your beneficiary will receive the insurance payout.  Damage to the bike caused by nuclear perils, mutiny, war, or other warlike operations.
    Specific add-on coverage (in case you have bought them). Damage caused to the bike during burglary/ breaking and entering your house or garage.

    Why is it Important to Have Tata AIG for Your KTM RC 200 Insurance?

    Choosing the right insurance provider is crucial to ensure quality care of your bike along with a seamless bike insurance claim. You can choose Tata AIG for the following reasons:

    • Tata AIG believes in providing quality services to its customers and helping them make the best choices for their prized possessions

    • Trusted by five crore happy and satisfied customers, we are preserving millions of dream vehicles for more than 20 years

    • At Tata AIG, you can purchase/renew suitable motor insurance policies in a hassle-free manner and also pick from the riders to enhance the policy coverage

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

    • We are supported by over 650 claim experts across the country and are proud to have a 98% claim settlement ratio for FY 2020-21.

    Overview –KTM RC 200 Bike Model

    KTM RC 200 has won many hearts with its powerful engine, reliable performance and good value for money. Equipped with a 199.5CC engine, KTM RC 200 has several high-end features as follows:**

    Engine type: Liquid-cooled, single-cylinder engine, DOHC, FI engine

    Power: 25PS at 10000 rpm

    Torque: 19.2 Nm at 8000rpm

    Fuel Injection: Bosch Electronic Fuel Injection (EFI)

    Cooling: Liquid cooling with curved radiator and fans for heat management

    Front suspension: WP APEX USD forks

    Rear suspension: WP APEX Monoshock

    Frame: Split-trellis frame (tubular)

    Fuel tank capacity: 13.7 litres

    Ground clearance: 156mm

    Saddle height: 835mm

    Kerb weight: 160kg

    Headlight: LED Headlamp

    Instrument cluster type: LCD dash display

    KTM RC 200 Bike Price and Variants

    KTM RC 200 comes in a single variant- RC 200 STD, which is priced at ₹2,14,688. However, the bike comes in three attractive colour schemes: Orange, Silver Metallic and Dark Galvano.

    Variant Ex-Showroom Price* in New Delhi (₹)
    KTM RC 200 ₹2,14,688

    Unique Selling Points: KTM RC 200 Bike Features

    With its captivating presence on Indian roads, KTM RC 200 is one of the best bikes for bike enthusiasts from the KTM brand. The mind-boggling style mated with a thrilling performance makes the KTM RC 200 a good value for money. Some other unique selling points of this sports bike are as follows:

    High-quality finish

    The bike’s innovative graphics, with a black and orange combination and white tint, make it highly attractive. The distinct styling with dual projector headlights provides a peculiar shape to the bike, thus making heads turn while it roars through the streets.

    High-performance aerodynamics at high speeds

    The sporty looks with perfectly placed handlebars and footpads offer great aerodynamic posture to the rider. The larger and taller new windscreen reduces wind buffeting, while the new fairing helps improve the airflow for the rider.

    Lighter and easy to ride

    The weight and structure of the KTM RC 200 provide greater agility making it smooth to ride through meandering roads. Apart from this, the Austrian brand has made KTM RC 200 lighter by using a larger but lightweight brake rotor placed on the rim, which makes it easier to take sharp turns. Hence, the overall bike’s structure offers optimum rider control on track and street.

    Smooth and hard-hitting power delivery

    KTM RC 200’s engine is powerful and delivers a power of 25PS and 19.2 Nm of torque. The single-cylinder engine coupled with a six-speed gearbox allows you to accelerate the bike’s speed effortlessly and make city and highway riding highly exciting.

    Enhanced safety

    The braking system of the KTM RC 200 is very strong, which provides better safety and performance. With its updated suspension system, the bike can endure all kinds of terrain and bumpy roads smoothly. Moreover, the new version is equipped with ABS (Anti-lock Braking System), which adds to the bike’s safety features.

    Rivals of KTM RC 200

    Here are some of the bikes that can give competition to the KTM RC 200:

    • KTM RC 125

    • Honda CB300F

    • Royal Enfield 350

    • Royal Enfield Bullet 350

    • Yamaha R15S

    • TVS Apache RTR 200 4V

    • Yamaha FZ 25

    • Bajaj Pulsar NS200

    • Royal Enfield Himalayan

    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

    What is the top speed of the KTM RC 200?

    What is the top speed of the KTM RC 200?


    The top speed of the KTM RC 200 is 140 kilometres per hour.

    What is the start type of the KTM RC 200?


    KTM RC 200 has a self-start feature only.

    What is the body style of the KTM RC 200?


    KTM RC 200’s body style is sports.

    What are the available colours in KTM RC 200?


    KTM RC 200 is available in three attractive colour schemes- Orange, Silver Metallic and Dark Galvano.

    What type of tyres does KTM RC 200 have?


    KTM RC 200 has tubeless tyres.

    How to use a two-wheeler insurance premium calculator?


    Follow the simple steps to know your bike insurance premium: Visit the Two-Wheeler insurance page on the Tata AIG website Enter your bike’s registration number in the space provided Click “Get a Price” for a new policy issue or “Renew” for a bike insurance renewal Enter the requested information and click “See Price” Once you enter relevant details, the calculator will display your bike insurance premium

    What is the process for a two-wheeler insurance claim?


    To raise a two-wheeler insurance claim, 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 bike damages in the self-inspection form A surveyor will also visit to inspect the bike 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 Once the company examines your bike insurance claim, it will approve and settle it

    What is covered under Tata AIG’s two-wheeler insurance?


    Tata AIG offers the following coverage under two-wheeler insurance: Damages and loss to the bike Theft of the bike Third-party liability Personal accident cover for the owner-driver Specific coverage through multiple add-ons

    What is the KTM RC 200 insurance price?


    The KTM RC 200 insurance price depends on its IDV, which is calculated by factoring in the policy type, coverage, bike’s age and make and model, no claim bonus, geographical location, engine type, age of the rider, anti-theft devices and much more. The following table shows how a bike’s IDV is calculated:

    Bike’s age  Depreciation 
    Less than six months 5%
    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

    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.