Ktm Rc 390 Insurance

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Ktm Rc 390 Insurance

KTM is the courtesy of the Austrian automobile industry and is a global giant when it comes to manufacturing and supplying street and racer track bikes across the globe. The automobile company was officially launched in 1992, but records show that its origin traces back to the 1930s. KTM launched in India relatively late in 2012 with the Duke 200. Since then, KTM has been on a winning streak and introducing bikes that cater to the soul of adventure-hungry riders.

Not many know this, but KTM is also owned by the automobile industry legend - the Bajaj Auto Group. However, Bajaj does not add its brand name to any KTM bike. The KTM RC 390 was just launched last year in September. Being a street bike, the makers of the RC 390 emphasise the racer track DNA of the bike and promise its riders that the Rc 390 is always ‘Ready to Race’. The KTM RC 390 is available in two variants – the Rc 390 STD and the Rc 390 GP Edition.

With a dynamic 373cc engine, the bike unleashes mega power. That is why, one should never be reckless with a KTM RC 390. However, when you are on the road, anything can happen. This is where two-wheeler insurance comes into the picture. Two-wheeler insurance can protect a bike, no matter its model or variant. In India, per the existing motor vehicle laws, it is a legal mandate to get at least third-party two-wheeler insurance. But insurance experts often advise getting comprehensive insurance for two-wheelers.

Read on to learn the features of a third-party, own-damage, and comprehensive two-wheeler insurance policy and how Tata AIG can help you give your money’s worth by securing your bike.

KTM RC 390 Insurance Renewal/ Buy via Tata AIG

Nowadays, a majority of insurance buyers have shifted from offline to online purchasing insurance for two-wheelers. Buying two-wheeler insurance online brings the obvious benefits of a quick and hassle-free process. You can also compare bike insurance policies and choose the best before buying.

Here are the steps to buy or renew two-wheeler insurance with Tata AIG:

  • Visit our Bike Insurance page and enter your KTM RC 390 registration number in the space available. For those new to the process, the registration number will start with your state code – for instance, MH = Maharashtra, DL = Delhi, WB = West Bengal, and so on.

  • Click on Get Price for a new KTM bike insurance policy or on Renew for a KTM bike insurance renewal. For those renewing their policies, remember the validity of a two-wheeler insurance policy ranges between 1 to 5 years.

  • Fill out the bike insurance form that appears after clicking on Get Price and enter the requested details like your name, number, email address, Aadhaar number, PAN card number, etc.

  • Enter the details of your Rc 390 like its Insured declared value (IDV), its policy expiration date, previous claim history, and any other details requested.

  • If you haven’t filed a bike insurance claim in the previous years and don’t have any claim history, you will get a no-claim bonus (NCB). And NCB can lower your KTM insurance price by 10 to 25 per cent, depending upon the consecutive claim-free years.

  • You can select the KTM insurance policy as it is or choose from 7 add-on riders to enhance the insurance coverage of your KTM RC 390.

  • After submitting the necessary details, you will get a KTM insurance price quote/ premiums payable. After making the payment, you will receive a digital receipt/ e-copy of your KTM insurance policy on your email ID/ number/ WhatsApp.

KTM RC 390 Insurance Cost – Your Premium Amount

The KTM insurance renewal price or price for a new KTM bike insurance policy (called premium price) depends on various factors, including

  • The age, make, and variant of the KTM RC 390. For instance, the premiums for the Rc 390 STD and the Rc 390 GP Edition will differ. If your Rc 390 is old, the lower will its premiums be, if it is brand new, the higher will its premiums be.

  • The Insured Declared Value (IDV) of your KTM RC 390. It is the most crucial determinant in deciding the KTM insurance price. IDV is the current market value of your bike payable under the KTM insurance policy. For instance, if the price of a brand new KTM RC 390 is ₹3,50,000, and two years later if you make an insurance claim and its market price is ₹2,00,000, you will get the said value. You can also calculate your bike's IDV all by yourself.

  • The engine (cubic) capacity of the RC 390. The higher the cubic capacity, the higher the premiums. Street bikes like the RC 390 have a massive engine capacity, which means the KTM insurance price will correspond to it.

  • The scope of the KTM insurance policy chosen – whether comprehensive, own-damage or third-party. Third-party two-wheeler insurance or own-damage two-wheeler insurance will surely be cheaper than comprehensive insurance for two-wheelers.

  • Any NCB benefits or premium discounts for buying the KTM bike insurance online.

  • Addition of safety devices (which can lower the premium price) or expensive modifications/ (which can increase the premium price).

  • Your age, your driving record, and the location of the bike purchase/ use.

To get a precise estimate of the KTM insurance price for your Rc 390, we encourage you to use our bike insurance calculator. It is free, time-saving, accurate, and helps you compare multiple two-wheeler insurance quotes with ease.

Things Covered and Not Covered under Tata AIG’s KTM Bike Insurance

Every insurance for two-wheelers or any vehicle has a pre-specified scope of coverage mentioned in clear details in the policy document of the two-wheeler insurance. The Tata AIG team encourages its buyers to go through every T&C of its two-wheeler insurance policy on the Tata AIG website and the downloaded policy document before they finalise a purchase.

Here is a brief summary of what Tata AIG’s comprehensive KTM bike insurance covers and does not cover.

What Tata AIG’s comprehensive insurance covers What Tata AIG’s comprehensive insurance policy DOES NOT cover 
Damage or loss to your bike from natural disasters such as earthquakes, cyclones, and floods. Damage to your two-wheeler as a result of nuclear threats, war, mutiny, or military actions.
Damage to your two-wheeler as a result of man-made calamities such as terrorist attacks, explosions, strikes, riots, and other malevolent man-made activities. Damage to your two-wheeler as a result of a break-in/burglary.
Damage to your two-wheeler is caused while transporting the insured vehicle via roadways, waterways, airways, and railways. Damage to your two-wheeler caused by crash/speed testing, racing, and several other reliability inspections.
Theft of the two-wheeler or damages beyond repair, known as the total loss, is covered by the comprehensive insurance policy. Damage to the two-wheeler occurred outside of India's geographical region (defined in the policy document).
Medical coverage of a maximum of ₹15 lakhs for bodily injuries sustained in an accident. Any loss caused by ageing, time, typical wear and tear, or electrical and mechanical failure of the two-wheeler.
Third-party liabilities such as paying for the treatment of the injury (or death) caused to third-party individuals, as well as damage to their property and vehicle, in accidents involving the insured vehicle. Consequential damages caused to the insured vehicle by riding it in a restricted zone.

Add-ons for KTM Insurance by Tata AIG

In many metropolitan cities, potholes, traffic, mixed lanes for big and small vehicles, poor infrastructure, and delayed construction are commonplace. These factors pose a higher risk for two-wheelers - causing damages and early wear and tears. Anticipating the needs of rider-owners, Tata AIG has come up with riders that provide that added layer of security over and above the base coverage in third-party or comprehensive insurance for two-wheelers.

Here are the add-on riders offered by Tata AIG -

Return to invoice cover: It reimburses the original invoice/ purchase cost of your KTM RC 390 in case it gets stolen or suffers from total and irreparable damage.

Roadside Assistance cover: It provides prompt mechanic services on the breakdown of the KTM RC 390 in a remote or faraway location.

Consumables Expense cover: It caters to the cost of the RC 390’s consumables damaged/ lost due to an accident. The consumables include screws, nuts, bolts, bearings, engine oil, gearbox oil, brake oil, lubricants, and other parts.

Depreciation allowance cover: It pays the original value of the RC 390’s bike parts during repair/ replacement nullifying the effect of depreciation.

Apart from these four, there are three more add-on covers to choose from. These are -

  • party property damage cover

  • Personal accident cover

  • Emergency medical expense cover

Why is it Important to Have Tata AIG for Your KTM RC 390 Insurance?

Tata AIG comprehends the risk involved in owning a street bike and strives for its two-wheeler insurance policy to cover the worst possible odds and possible financial threats to your bike. What sets it apart from the many insurance contenders in the industry, is not only its established brand value over the years but its commitment to tending to your bike insurance needs.

Here are a few reasons you should give Tata AIG’s insurance for two-wheelers a shot:

Hailing from the lineage of father figures of the business world and the prestigious Tata Group name, we are an undoubted leading player in the market.

Our 20+ years of expertise and experience have paved the way for our consistent claim settlement ratios over the past decades. In FY 2020-2021, we had a claim settlement ratio of 98% - a testament to our long-standing goodwill.

  • We are constantly adapting to the needs of our customers. Our team of 650+ claim agents are experts in providing prompt and personalised assistance to 5+ crore diverse customers any time of the hour.

  • We have an easy transfer of NCBs where if you purchase a new two-wheeler from us from another insurer or switch from us to another company, we transfer the NCBs instantly.

  • We have a hassle-free, time-efficient, and 100% digital claim settlement, renewal, and buying process to simplify outdated and complicated processes like form filling, claim filing, query resolution.

  • We have a trustworthy network of over 5,400 trusted network garages spanning metropolitans in tier 1 cities to the remotest spots in tier 2 and tier 3 areas.

  • We offer 7 add-ons, up to 50% discounts in NCBs, and up to 75% discounts in premiums to make your KTM insurance as valuable and inclusive as possible.

Overview – KTM RC 390 Bike Model

The KTM RC 390 was launched in September 2022. KTM advocates the bike as always ‘Ready to Race’ as the bike has racer track DNA infused in all its parts and features. The sports bike is available in two variants and two colours. Both variants have a dynamic 373cc, liquid-cooled, DOHC, FI engine that promises riders an unmatched performance. Both variants give a max power of 43.5 PS @ 9000 rpm and a max torque of 37 Nm @ 7000 rpm. The bikes deliver a mileage between 26 to 31.22 kmpl and have an improved throttle response and traction control for ultimate precision.

KTM RC 390’s starting price is ₹3,16,000, and it goes up to ₹4,00,000, depending on the ex-showroom price in different cities.

KTM RC 390 and Variants

The KTM RC 390 is available in 2 variants – the KTM RC 390 STD and the KTM RC 390 GP Edition. Both the KTM RC 390 STD and GP Edition are available in two colours – the KTM Factory Racing Blue and KTM Orange. The approximate price of both variants is ₹3,16,070 but varies in showrooms from city to city. Here is the city-wise approximate price list for both variants.


City  Approximate Price
New Delhi  ₹3,16,070
Mumbai  ₹3,81,000
Bangalore  ₹4,13,839
Pune   ₹3,82,718
Ahmedabad  ₹3,71,629 
Hyderabad  ₹3,81,345
Indore  ₹3,65,000
Kolkata  ₹3,76,535
Chennai  ₹3,96,570
Chandigarh  ₹3,47,387

KTM RC 390 GP Edition

City  Approximate Price
New Delhi  ₹3,63,000
Mumbai  ₹3,75,000
Bangalore  ₹3,94,839
Pune   ₹3,75,940
Ahmedabad  ₹3,57,000 
Hyderabad  ₹3,75,000
Indore  ₹3,63,000
Kolkata  ₹3,69,000
Chennai  ₹3,63,000
Chandigarh  ₹3,50,000

Unique Selling Points: KTM RC 390 Features

The KTM RC 390 has many unique features that set it apart from its competitors in the market. The bike:

  • Has an ultra-strong 373cc, liquid cooled, DOHC, FI engine that gives a max power of 43.5 PS @ 9000 rpm and max torque of 37 Nm @ 7000 rpm

  • Gives a mileage between 26 to 31.22 kmpl

  • Has a 40% larger airbox and a power assist slipper clutch that enables a super slick throttle response, improved torque, precise traction control, and accurate engine mapping

  • Cutting-edge, race derived TFT display and switchgear that provides custom and surrounding-relevant information to the rider

  • Cornering ABS, shift rpm, and peak rpm features

  • 360-degree motorcycle traction control that reduces slippage and prevents falling

  • 13.7 L fuel tank with ergonomic rider seat, pillion seat, and knee area for maximum, all-day riding comfort and non-slippage

  • Adjustable handlebars with risers for getting into the optimum riding position and switching between the racetrack and everyday riding

  • MOTOGP inspired exterior body, design, and style. Moto GP is short for Moto Grand Prix, which is a premier and global road-racing event for competitive motorcycle sports.

  • 320mm front disc and 230mm rear disc brakes for quick stopping and a lightweight navigating experience

  • Lightweight bionic wheels and soft compound tires for superior grip and control over any terrain

  • WP Apex USD forks with tech and adjustable mono-shock absorbers that provide the ultimate stability and precision on the race track or everyday roads

  • New-gen chassis

Rivals of KTM RC 390

The KTM RC 390 is a monster of a street bike in India offering unmatched torque, power, and stability. However, the firehouse street bike also has some competition from rival bikes like the:

  • KTM 125 Duke

  • Yamaha FZ 25

  • Keeway K300 R

  • Bajaj Dominar 250

  • Bajaj Pulsar RS 200

  • Kawasaki Ninja 300

  • Kawasaki Ninja 400

  • BMW G310 RR

  • KTM 200 Duke

  • Dominar 250

  • Zontes 350R

  • TVS Apache RTR 200 4V

  • TVS Apache RR 310

  • Yamaha R15S

  • Yamaha R15 V4

  • Yamaha MT 15 V2

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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What are the core technical specifications of the KTM RC 390?

What are the core technical specifications of the KTM RC 390?


The core technical features of the KTM RC 390 include:

Engine type – Single cylinder, liquid-cooled, DOHC, FI engine

Engine capacity – 373 cc

Max power – 43.5 PS @ 9000 rpm

Max torque – 37 Nm @ 7000 rpm

Fuel injection – Bosch Electronic Fuel Injection

Front suspension – WP Apex USD Forks, 43mm diameter

Rear suspension – WP Apex Mono-shock, 10-step adjustable

Fuel tank capacity – 13.7L

Kerb weight – 172 kg

Headlight – LED

Instrument cluster – TFT Multi-function customizable display

What is special about the GP Edition of the KTM RC 390?


The GP Edition of the KTM RC 390 is modelled after the sports and racer bikes that take part in the Grand Prix (GP) motorcycle racing event. The GP is a worldwide motorsport championship. The GP edition bike includes the features of racetrack bikes like

Supermoto ABS that allows quick and hard brakes without compromising the safety and speed of the rider, especially during turns

A MotoGP trademark exterior bodywork that echoes the design, ergonomics, and styling of racetrack bikes like the KTM RC16

Clip-on handlebars with risers to move and adapt to the quick demands of racing and the racer’s changing posture

13.7 L fuel tank that gives a 30% larger fuel tank capacity

40% larger airbox for an unparalleled torque delivery

What is the top speed of KTM RC 390?


KTM RC 390 can reach a top speed of 200 kilometres per hour. We strongly recommend not testing those speeds on public roads. It may put people’s lives in danger.