Triumph Scrambler 400X Insurance

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Triumph Scrambler 400X Insurance

The Triumph Scrambler 400x seamlessly combines off-road and urban driving to bring forth leading-class performance at an affordable price tag. This classic and off-road motorcycle beckons new and experienced riders with its rugged prowess and distinct style.

As the new owner of this splendid bike, you must get it insured. This is because a bike insurance policy is a practical necessity in India. It ensures legal compliance and acts as a financial shield protecting you from the unpredictable nature of riding.

Read on to learn why you should consider Tata AIG when buying Triumph bike insurance and all the other benefits you can get when you choose us as your insurance provider.

Purchase/Renew Triumph Scrambler 400x Insurance with Tata AIG

Triumph Bike Insurance Online Buying Process

Visit our bike insurance page.

Enter your Triumph bike's registration number and click Get Price.

Fill out the insurance application form that pops up. All presented details must be up-to-date and relevant.

Upload scanned copies of your KYC documents – ID proof, address proof, bank details, etc.

Next, choose the add-ons you want for your Triumph insurance. You can skip this step if you do not want to buy any. Add-ons are optional when buying bike insurance.

Submit your online application form and pay the Triumph insurance price, i.e., the insurance premium.

You must wait for approval. After verifying your documents and application, we will send a PDF copy of your Scrambler 400x insurance policy to your registered email.

Triumph Insurance Renewal Process

Visit our bike insurance page.

Enter your Triumph bike's registration number and click Renew.

Fill in the renewal form and provide details like the previous/ongoing policy expiration date, claim history (if applicable), etc.

Choose the add-ons you want (optional) and proceed to pay your Triumph insurance renewal fee.

Once your payment has been processed and confirmed, we will send you a PDF copy of your renewed Scrambler 400x insurance policy to your registered email.

Additional Notes:

Our policy terms can range from 1 to 5 years. You can apply for a Triumph insurance renewal within 90 days of policy expiry, or you can renew your policy 15 - 30 days before its due date – which is what we recommend for long-term bike insurance policies.

Also Read: Renew Expired Bike Insurance Online

Triumph Scrambler 400x insurance Price/Cost: What is the Premium for Triumph Bike Insurance

Affordability is a key feature in any type of bike insurance policy. We at Tata AIG understand this and always strive to offer our customers the best premium rates possible.

To ensure you always get accurate policy quotes when calculating your Triumph Scrambler 400x insurance price, we recommend using a bike insurance calculator. This way, you choose a policy within your budget range.

Now, when choosing a Triumph insurance policy, you have two options: You can get third-party bike insurance or a comprehensive policy.

Third-party bike plans are basic insurance for 2-wheelers. They are also the more affordable option.

Third-party bike policy premiums are decided by The Insurance Regulatory and Development Authority of India (IRDAI) based on your Triumph bike engine's cubic capacity (cc).

The rates are re-assessed yearly to decide if the prices need to be changed. These changes depend on various economic factors.

For comprehensive bike policies, we calculate your Triumph Scrambler 400x insurance price based on several factors.

Prime determinants include your address (resident city/town), bike make/model, policy add-ons, and the IDV (Insured Declared Value).

Using insurance calculators here can be immensely helpful. We recommend using them because they provide near-accurate estimates when comparing two-wheeler insurance plans.

This way, you buy your Triumph Scrambler 400x insurance at a competitive rate while ensuring you get good coverage.


The IRDAI legally mandates all Indian two-wheeler owners to have at least third-party bike insurance. In other words, you will still need to buy at least a third-party bike insurance plan even if you do not want to buy a comprehensive bike policy.

Do not let your policy lapse; renew it within the grace period – 90 days or before expiry. Your bike must remain insured at all times. If you are caught riding your bike without valid insurance, you will be fined by traffic authorities.

Add-Ons for Triumph Scrambler 400x Insurance by Tata AIG

Add-on covers in insurance offer additional bike insurance coverage. They are optional and are only offered under comprehensive bike insurance policies. These also require an additional premium payment and can increase your overall insurance cost if you buy several.

Tata AIG offers 7 unique add-ons you can choose from when buying or renewing your Triumph bike insurance policy. Let us take a look at what they are:

Personal Accident Cover: It offers permanent disability and accidental death coverage to the policyholder (you).

Pillion Rider Cover: It offers permanent disability and accidental death coverage to the pillion rider – your passenger at the time of the accident/event.

Return-to-Invoice Cover: It reimburses your bike's total invoice amount for a total loss (more than 75% damage). E.g., major accident, total vehicular damage or theft.

Nil/Zero Depreciation Cover: The insurer – Tata AIG, will cover the total cost of repairing/replacing your bike's parts and will not consider their depreciation cost.

Consumable Cover: Consumables costs like screws, engine oil, fuel, etc., that need to be replaced during repairs are covered.

Engine Protect Cover: Covers the repair/replacement cost of the Triumph bike's engine from damage due to water ingression or oil leakage.

Roadside Assistance Cover: It offers 24/7 roadside assistance during road emergencies. You get services like on-site repairs, fuel delivery, towing services, etc.

Inclusions and Exclusions Under Tata AIG's Triumph Bike Insurance

Triumph Insurance Inclusions

Damage and Loss Protection Our comprehensive bike plans will cover damage/losses due to the bike resulting from accidents, lightning strikes, fire, man-made disasters, damages during transit, etc.
Total Loss Cover You are reimbursed your Triumph bike’s IDV value in case of a total loss. E.g. Your bike was never recovered after a theft, the bike was completely destroyed in a major accident, etc.  (Over 75% damage is considered a total loss in insurance) 
Third-party Protection We will cover financial and legal third-party liabilities like bodily damage/personal injury and vehicular/property damage.
Personal Accident Coverage (For the Owner-Driver) This built-in feature covers medical expenses resulting from treating injuries sustained during road accidents.  The total cover amount is ₹15 lakhs. If the accident results in the policyholder’s death, their family is paid the full amount. 
Add-on Rider Coverage They are optional – inclusions will vary depending on your chosen add-on(s).  A popular one we recommend for your Triumph insurance is the Zero Depreciation and the Roadside Assistance cover.

Triumph Insurance Exclusions

General Wear and Tear The general wear and tear that comes with time and continued usage is not covered under insurance. E.g. Depreciation, breakdowns due to age-related problems, etc.
Racing and Speed Trials Damages/losses from benchmarking/reliability testing, racing, speed testing, etc., are not covered under insurance.
Breaches of the Law/Policy Term Violations Damage/losses sustained during breaches of law/traffic law violations will not be covered as they violate policy terms.  Examples of common violations include driving without a valid driver’s licence or helmet, drunk driving, inebriation (drug usage), etc.
Commercial Usage Personal bikes and other private two-wheelers can not be used for business purposes. You need separate commercial two-wheeler insurance for that. 
Damage from Theft Damages/losses sustained during trespassing and home invasion will not be covered by insurance if your Triumph bike was not stolen in that scenario.

Reasons to Buy Tata AIG’s Triumph Scrambler 400x Insurance

Bike insurance acts as a safety net for motorists, offering legal and financial protection when on the road.

You must carefully choose a two-wheeler insurance policy that aligns with your needs and budget while assessing the insurer as well. After all, an insurance policy is only as good as its insurer.

Here are some key reasons why you should consider Tata AIG as your next insurance provider when buying your Triumph Scrambler 400x insurance:

Brand Reputation: We are one of the top insurance providers in the insurance sector and have a solid reputation amongst all our clients. So, when it comes to insurance, you can count on us to offer top-notch support and services.

Comprehensive Coverage: Our Triumph insurance policy offers comprehensive coverage against accidents, third-party liabilities, theft, and natural disasters. Moreover, you can choose to further increase your policy coverage using add-ons.

Add-on Riders: We offer 7 unique add-on covers under our bike insurance policies. These can be especially helpful if you live in high-risk areas where certain damages are unavoidable. E.g. natural disasters, fires, accidents, theft, etc.

Budget-Friendly Plans: We offer the best policy quotes and discounts. When you buy your Tata AIG Triumph insurance online, you can be eligible for several discounts, helping you save more money!

Quick Claim Settlement: Our online facilities let you initiate and settle your bike insurance claims online with minimal paperwork – all within 30 days. Moreover, you can also track your claim through our website to stay up to date at all times.

Wide Network of Garages: We have a wide network of garages across India that you can access for discounted services and cashless facilities. You can also easily find your nearest network garage through our website's garage locator.

24/7 Customer Support: Another perk of partnering with an online insurer like us is that you get access to our 24/7 customer support services. You can contact us for assistance with your Triumph Scrambler 400x insurance policy anytime!

Triumph Scrambler 400x: Overview and Unique Selling Points

The Scrambler 400x is Triumph's entry-level Scrambler and an update to the Speed 400, boasting a bigger presence and more versatility.

It comes with a 398.15 cc BS6 liquid-cooled engine, a 6-speed manual transmission and a 13-litre fuel tank. The motorcycle also comes with an anti-locking braking system (ABS) for added safety, with both front and rear tyres having disk brakes.

Unique Selling Points of the Triumph Scrambler 400x

Affordable: The Scrambler 400x offers high-quality fit and finish, a modern engine, a capable chassis and gorgeous aesthetics, all at an affordable price. It is also the perfect bike to tackle deteriorating Indian roads.

Versatile: This motorcycle feels light and easy to flit through traffic with. When stuck in traffic, you will not get any real engine heat, allowing for better inter-city commutes. It also maintains comfort and stability over poorer roads.

Rugged Aesthetics: The Scrambler 400x sports traditional British thumper design elements like a teardrop fuel tank, a round headlamp, and minimalist side and rear bodywork. Compared to the Speed 400, its taller stance and overall design give it a larger road presence.

Off-Road Ready: The Scrambler does not feel heavy or unmanageable when handling rocks, ruts or jumps. It responds with alertness and accuracy to steering inputs, allowing for quick direction changes – instilling confidence when you take it out onto more difficult trails.

Personalise to Perfection: The Scrambler 400x has over 25 accessories, allowing you to truly make this motorcycle yours. Some popular accessories include a quilted seat, upper and lower engine bars, a luggage rack, a tank pad, a mud splash kit and a windscreen.

Available Colours: The Scrambler 400x comes in three distinct fusion colours for you to choose from. These include Matt Khaki Green/Fusion White, Carnival Red/Phantom Black and Phantom Black/Silver Ice.

Triumph Scrambler 400x: Variants and Prices

Triumph Scrambler 400x Variants Ex-Showroom Price (Delhi)
Triumph Scrambler 400x STD ₹2.63 Lakh

Disclaimer: These prices were taken from BikeDheko on 21/11/2023 at 1:00 pm IST. Since prices are subject to change, we recommend checking your city’s current ex-showroom price before buying. The Triumph Scrambler 400x only comes in one variant as of now, which is the base variant.

Top 5 Competitors of the Triumph Scrambler 400x

Competitor Bike Name/Model Ex-Showroom Price (Delhi)
Royal Enfield Scram 411 ₹2.06 - ₹2.12 Lakh
Honda H'ness CB350 ₹2.10 - ₹2.16 Lakh
Yezdi Scrambler ₹2.12 - ₹2.16 Lakh
Jawa 42 Bobber ₹2.25 Lakh
Harley Davidson X440 ₹2.40 - ₹2.80 Lakh

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 documents are required to buy Tata AIG's Triumph Scrambler 400x insurance?

What documents are required to buy Tata AIG's Triumph Scrambler 400x insurance?


When applying for bike insurance, you will generally only need your KYC (ID and address proof) documents, your bike registration certificate and bank details. Your ID and address proofs can be documents like your Aadhar or passport. Also, the address mentioned in your address proof document(s) should match your current residential address. Your location plays a significant role in determining your Triumph Scrambler 400x insurance price. If you are transferring your policy or renewing it, you must present your previous/existing bike policy certificate with the above-mentioned documents

How to claim my Triumph Scrambler insurance with Tata AIG?


Once an accident/event has occurred, you must contact us through our helpline within 24 - 48 hours – the sooner, the better. Next, visit our Claims Page. Click Initiate Claim to start the claim process. After submitting your claim form, you can track your claim to stay updated. Read our blog on Bike Accidents In India And Insurance Claims for a more in-depth explanation of what a bike insurance claim entails.

Which is the best bike insurance policy for my Triumph Scrambler 400x?


For a new bike, we recommend buying a comprehensive bike insurance policy for your Triumph Scrambler 400x. It will cover personal damage and third-party liability costs. Ensure you buy it from our website, as online policy purchases are cheaper and they make you eligible for more discounts.