Tork Kratos R Insurance

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Tork Kratos R Insurance

Based in Pune, Tork Motors is India’s EV and charging infrastructure manufacturing startup. It is backed by the vision of a successful racer and years of research and development. Today, the company offers smart and stylish electric motorcycles at an affordable price.

The Tork Kratos R is an electric street bike with stunning looks and powerful performance. It claims a top speed of around 105 km/hour, a battery charging time of 0-80% in under 60 minutes, and a range of over 120 km on a single charge. This makes riding the Tork Kratos R a breeze.

However, before you turn the throttle, make sure that you consider buying a bike insurance policy for your Tork Kratos R.

Riding a two-wheeler has certain risks, like accidents and collisions. Such incidents can damage your bike, injure you, and cause third-party damages. If your bike has caused the accident, then the responsibility of paying for the damages lies with you. With a comprehensive bike insurance plan, you don’t have to worry about these costs as the policy covers them.

Tata AIG offers a comprehensive Tork Kratos R insurance plan to help you stay financially protected against such losses. Apart from third-party liability cover and own-damage cover due to accidents and collisions, it also offers coverage for damages to your bike due to earthquakes, floods, fires, man-made disasters, and theft.

If you are a proud owner of a Tork Kratos R, read on to find out how to buy and renew a two-wheeler policy with us!

Purchasing or Renewing Your Tork Kratos R Electric Bike Insurance with Tata AIG Online

If you are looking for complete financial protection for your Tork Kratos R, then our comprehensive Tork electric bike insurance is a good option. It offers third-party liability protection and coverage for damage to your bike due to accidents, collisions, natural calamities, and man-made disasters.

With Tata AIG, you can buy a new policy or opt for Tork bike insurance renewal hassle-free.

Here is how you can buy or renew Tata AIG 2-wheeler insurance online:

  • Visit our website: To buy or renew a bike insurance policy, you will have to go to

  • Navigate to the Bike Insurance page: Click this link to go to the bike insurance section of our website

  • Go through our offerings: On this page, you will find details about the policies we offer. You can also download the policy wording for better understanding.

  • Begin the process: Once you are comfortable with our offerings, enter the registration number of your two-wheeler. We would like to know if you are buying a new policy or renewing an existing one.

  • Click on “Get Price” for new purchases and “Renew” for Tata AIG policy renewals.

Your details: For new policies, we would want to know you; hence, the application form will have fields capturing your personal information. Make sure to fill out the form correctly

Bike-related information: For buying/renewal, we will need information on the make and model of your bike, its Insured Declared Value (IDV), and modifications (if any)

The next steps: Once you have submitted the above-mentioned details, you can choose add-on covers and select deductibles to tailor the policy to your needs

Things to remember for policy renewals: If you have an existing Tata AIG insurance policy for bike and are planning to renew it, then make sure to provide accurate information about your existing policy. Also, if you haven’t filed a claim during the previous policy terms, then you can avail of a discount on the premium under the NCB benefit.

Complete the process: The last step is to review the policy details and premium and make online payment of the premium

Policy issuance; On successful payment, we email a copy of your bike insurance policy to you

Tork Kratos R Insurance Price – Your Payable Premium Amount

At Tata AIG, we ensure that all charges and costs are specified upfront so that you can make an informed decision. We also offer an easy-to-use online bike insurance calculator to simplify the premium calculation.

The Tork bike insurance price is based on a range of factors as described below:

Tork Kratos R third-party bike insurance

If you want to opt for the mandatory third-party liability-only Tork bike insurance policy, then the premium is decided by IRDAI (the Insurance Regulatory and Development Authority of India).

The IRDAI factors in the bike's engine capacity (cc of the bike) to determine the premium of the third-party liability insurance policy annually. The higher the engine cc, the higher will be the third-party premium.

Tork Kratos R comprehensive bike insurance

However, if you are opting for a comprehensive policy, then you need to understand different factors that contribute to the premium calculation:

Insured Declared Value (IDV): This is the current market value of the bike. You also receive this amount as reimbursement if your bike is stolen or damaged beyond repair. A higher IDV would mean a higher sum insured and a correspondingly higher premium and vice-versa. Hence, make sure that you choose the IDV carefully.

Type of bike: The bike's make and model directly affect the repair costs. Hence, we factor in these aspects for premium calculation. Luxury bikes, owing to their higher market values, attract a higher premium.

Location: Where you are driving your bike regularly impacts your bike insurance cost. Driving regularly on difficult terrain, crowded roads, accident-prone zones, etc., increases premiums. Similarly, urban areas have a higher premium than rural areas.

Age of the bike: Directly related to the market value of the bike, age is a crucial insurance premium determinant. The older the bike, the lower the cost of insuring it.

Bike modifications: Many bike owners modify their bikes to boost performance or improve their aesthetic appeal. Such modifications can impact the premium of the insurance policy.

Additional Rider Plans for Your Tork Kratos R Insurance Online

One of the best features of a comprehensive bike insurance policy is the option to customize it based on your bike use. This is possible via add-on covers. These covers increase the scope and extent of the policy for a nominal charge.

Hence, while buying a comprehensive policy, review the available add-on covers and assess your expected bike use. Choose the ones that can help you save money in the long run.

Here are the details of the seven add-on covers offered by Tata AIG:

Bumper-to-Bumper Cover: This is also known as Zero Depreciation cover. In a regular policy, we deduct depreciation from the claim amount when you file a claim. With this add-on, you receive the entire claim amount without any deduction for depreciation.

Return to Invoice Cover: If your vehicle is damaged beyond repair or stolen, we reimburse the IDV of the bike. With this add-on, we pay the bike's on-road price, including registration and taxes.

Emergency Medical Expenses Cover: Offers coverage for medical treatment and ambulance costs for the owner-driver and the pillion if the bike meets with an accident, causing injuries.

Additional Personal Accident Cover: This is available only for the owner-driver. Under this add-on, we pay an additional amount to the family of the owner-driver if an accident turns fatal.

Additional Third-Party Property Damage Cover: If you want more coverage for third-party liabilities, this cover can help you boost it over and above the default cover offered under the comprehensive policy.

Consumables Expenses Cover: If consumables like nuts, bolts, screws, etc., are damaged in an accident and if the repairs involve replacing the engine oil, lubricants, etc., then this add-on reimburses the costs.

Roadside Assistance Cover: With this add-on, get instant breakdown assistance if your bike faces an issue in the middle of the road.

Things Included/Excluded Under Tata AIG’s Bike Insurance for Tork

Every bike insurance policy has certain inclusions and exclusions that determine the scope and extent of the coverage. It is important to go through them carefully before purchasing the policy.

Here are the common inclusions and exclusions of Tata AIG’s comprehensive two-wheeler insurance policies.

Things included in Tata AIG Tork Bike Insurance Things not included in Tata AIG Tork Bike Insurance
Damages to the insured bike: A comprehensive policy offers coverage for damages caused to your bike due to accidents, natural calamities, man-made disasters, fires, and other hazards. Age-related Wear & Tear: As your bike ages, it goes through certain wear and tear. Also, the electrical and mechanical parts can fail with time. The policy does not cover such damages.
Total Loss: The policy offers reimbursement if your bike is damaged beyond repair or stolen. The reimbursement is equal to the IDV of the bike. Outside Geographical Borders: The policy does not offer coverage if it sustains damages while being driven outside the boundaries of India.
Third-party Liability: The policy covers any cost associated with damages to a third person or third-party property due to an accident caused by the insured bike. Driving Without Helmet & Licence: Riding a bike in India without a helmet or a valid driving license is illegal. Hence, the policy will not offer coverage for damages due to accidents caused in such cases.
Personal Accident Coverage: The comprehensive policy offers a personal accident cover of Rs.15 lakhs to the owner-driver for injuries sustained due to an accident involving the insured bike. Commercial Usage: If you have registered your bike for private use but deploy it for commercial purposes, then the policy will not offer coverage.
Add-on Coverage: The coverage will change based on your choice of add-on covers. Driving under the influence: No coverage if you meet with an accident while driving under the influence of alcohol or narcotics

Why Should You Get Tata AIG Tork Kratos R Electric Bike Insurance?

Riding a two-wheeler is risky since a minor collision or mishap can cause injuries or damage the bike. If the accident is caused by your bike, then the cost of repair and medical treatments for yourself and the affected third party is your responsibility. This can strain your finances.

When you opt for a Tata AIG bike insurance policy, all these costs are covered, and you can ride your bike without worrying about managing such situations:

Here is why you should get Tata AIG Tork Kratos R electric bike insurance:

Digital Convenience: We offer a digital platform to help you buy and/or renew an existing policy with ease. This is designed to be user-friendly, and the processes are simple to help you manage your policy comfortably.

The Tata AIG Promise: We are a trusted name in two-wheeler insurance in India with more than twenty years of standing true to our word. Being part of the Tata Group, we mirror the ethics and responsibility of the brand.

One of the best claim settlement ratios: In FY 22-23, we processed 99% of the claims received. This is due to our network of claims specialists who ensure that all claims are processed in time provided all the documents are in order

Optional covers: A comprehensive bike insurance policy has certain exclusions. We offer seven add-on covers to help you get maximum coverage or boost the existing cover on certain aspects.

Competitive premium rates: We ensure our policies are affordable and in sync with the market norms. We endeavour to offer the best premium rates on our policies.

Tork Kratos R – An Overview & USPs

Tork offers two variants of the Kratos – Kratos and Kratos R. The Tork Kratos R is the top variant with better features and specifications.

The Krtos R has a PMAC motor and a 4 kWh Lithium Ion battery. Its peak motor power is around 9 kW. The battery can charge from 0-80% in around 60 minutes, and the home charging time is around 4-5 hours.

The bike weighs 140 kg and has a ground clearance of 165 mm. Here are some of the unique selling points of the Tork Kratos R:

Design: The Tork Kratos R has been designed to look like a traditional 200cc sports bike. It has a chiselled stance, LED lights, and well-crafted bodywork. In fact, if you look at it from the side, it resembles the letter “R”.

Seating: The bike has a split seat setup with a flat handlebar and comfortable footpegs. This makes the seating very relaxed and helps you enjoy the ride.

Performance: With a single charge, the Tork Kratos R can take you up to 120 km. The bike offers one of the highest top speeds in electric bikes, around 105 kmph. It can accelerate from 0-40 kmph within 3.5 seconds.

Comfort: The bike has a hydraulic telescopic front suspension and mono-shock hydraulic rear suspension to offer a smooth ride regardless of the road conditions.

Other unique features: With the Tork Kratos R, you get a digital instrument cluster, multiple driving modes, reverse mode, regenerative braking, daytime running lights, mobile app connectivity, an anti-theft system, geofencing, a front storage box, and various other features making it a good option in electric bikes.

Tork Kratos R Bike Variants and Prices

Variants On-road Pricing (ex-showroom New Delhi)
Tork Kratos R ₹1.46 Lakh

Note: The prices may differ in different Indian cities.

Top 5 Competitors of Tork Kratos R

Revolt RV 400

Kabira Mobility KM 3000

One Electric Motorcycles Kridn STD

PURE EV Ecodryft

Odysse Vader

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 actual range of the Tork Kratos R?

What is the actual range of the Tork Kratos R?


The Tork Kratos R has a 4kWh Lithium Ion battery offering an IDC range of 180km and a real-world range of 120 km in the Eco mode, 100 km in the City mode, and 70 km in the Sports mode.

What is the top speed of Kratos R?


The Tork Kratos R can touch a top speed of around 105 km/hour.

What is the waiting period for Tork Kratos R?


For an update on the waiting period, it is recommended to contact a Tork dealer in your city as the waiting time depends on the availability of the stock and the bike’s demand.

Is Tork Kratos R available in Bangalore?


Yes. Tork Motors has a showroom in Bangalore, and the Kratos R is available in the city.

What is the claim settlement process for the Tork Kratos R bike insurance policy?


The first step is to inform us about the damage to the bike and details of the incident that caused the damage. You can contact us on our 24x7 customer care numbers or through our web portal. Once we get in touch, our representatives will provide a list of the documents needed to process the claim. Make sure that you submit the documents within the stipulated time frame and provide the information requested for quick claim processing.

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.