TVS Apache RTR 160 4V Bike Insurance

The TVS Apache RTR 160 4V is a naked streetfighter and one of the most popular bikes in the 160cc segment, with a history dating back 20 years. It’s designed with various racing-derived technology for high performance while still being street legal. The streetfighter incorporates a 159.7cc oil-cooled engine, USD suspension tuned for street racing and dual-channel ABS for safety.

The latest iteration of the RTR 160 4V has a more aggressive stance with a prominent headlamp and muscular tank extensions. It offers improved ride control with features like multiple ride modes, Glide Through Technology, USD front forks, and a double-cradle Split Synchro Stiff Frame. Here are the most important specs:

• Racing Derived Engine: The new RTR 160 4V is driven by a 159.7cc, 4-valve RT-Fi engine that produces up to 17.55 PS of power. With sharp throttle response and efficient combustion, it’s one of the most powerful 160cc engines.
• Upside Down Suspension: As a streetfighter, the 160 4V is designed to provide sharp handling enabled by a 37 mm upside-down suspension (USD). It’s also equipped with advanced dampening control and a floating piston shock absorber for precision-tuned compression.
• Multiple Ride Modes: The bike offers three ride modes- Sport, Urban and Rain, for optimised performance in different driving conditions. Each mode has customised engine tuning and ABS response and can be switched with a button press.
• Advanced Rider Technology: The Apache RTR 160 4V is outfitted with the Glide Through Technology (GTT), which starts your bike with a slow-release clutch and no throttle, ideal for heavy traffic. Meanwhile, the bike’s Traction Control System (TCS) regulates the torque, preventing uncontrolled wheel spins.
• 5-Inch TFT with TVS SmartXonnect: Connectivity is provided with a 5’’ TFT cluster that connects the rider with TVS SmartXonnect. It provides all the information you need, including low fuel warning, advanced telemetry, cellular notifications, and more.

Third Party Bike Insurance

Third-party bike insurance covers only damage caused by the insured bike, but not damage to the bike. It’s a mandatory plan that covers financial liability for the vehicle owner. TATA AIG offers standalone third-party bike insurance for three and five years, and a bundled third-party insurance package with 1-year own damage cover and 5-year third-party cover.

Standalone Own Damage Bike Insurance

A standalone own damage TVS Apache RTR 160 4V insurance covers damage and loss to the insured bike, including repair and replacement costs. TATA AIG’s own damage bike insurance covers a wide range of risks, including theft, accidents, fire, riots, strikes, floods, earthquakes, etc., at competitive prices. It also offers customisation options through select add-ons. It’s a good choice for anyone with an existing third-party plan.

Comprehensive Bike Insurance

TATA AIG’s comprehensive bike insurance is a cost-effective and complete policy that combines the benefits of both third-party and own damage plans. It also provides personal accident cover and allows you to enhance the plan through all available add-ons. The comprehensive plan is best for anyone looking to secure their TVS Apache bike with a single premium.

• Legally Mandatory Insurance: The Motor Vehicles Act 1988 makes it compulsory for all motor vehicles, including two-wheelers like bikes and scooters, to have third-party insurance coverage. Since not having a valid plan exposes you to the risk of fines and other consequences, you must at least have third-party bike insurance.
• Financial Protection Against Accidents: Road accidents are unfortunately common in India, especially for two-wheelers. As an expensive bike costing ₹1.4-1.6 lakhs, it’s essential to secure your purchase of the RTR 160 4V from costly repairs and potential total losses. A bike insurance plan is the perfect tool to provide this security.
• Coverage for Natural and Manmade Disasters: Natural disasters like floods, earthquakes, cyclones, lightning and snowfall and manmade disasters like riots, vandalism and strikes are unpredictable and can cause severe damage to your bike. The TV's Apache RTR 160 4V insurance covers damage and loss from these disasters.
• Financial Security for Loved Ones: An unfortunate accident of the policyholder that results in death or permanent disability can be mentally and financially challenging for the surviving family members. Since bike insurance in India comes with personal accident cover, it can assist your family in such difficult times.

• Reliable and Trustworthy Brand: With a rich history and legacy spanning 25+ years in the insurance industry, TATA AIG is an insurance provider with a proven record you can trust. When you buy an insurance plan from us, you get quality services and swift claim settlements.
• Extensive Cashless Garage Network: Our network of cashless garages spans across the country and includes the top brand-authorised service centres and multi-brand garages in every major city. This makes it easy to get repairs for your TVS Apache RTR bike, no matter where it’s damaged.
• Dedicated Customer Support: Access our round-the-clock customer support for anything, from queries and complaints to claims assistance and emergency services. We also have a dedicated team of 750+ specialists to ensure you experience a seamless claims process with tailored guidance.
• Secure and Transparent Process: At TATA AIG, we ensure a completely secure payment environment, keeping your personal and financial information safe and encrypted. You will also enjoy complete transparency with TVS Apache RTR 160 4v insurance price and coverage with no hidden terms or limits.
• 100% Digital Process: All of our processes, including purchases, renewals, policy issuance and claims, are 100% digital and devoid of any physical paperwork or complex requirements. You can complete your purchase in just a few clicks and get policy documents delivered instantly to your inbox.

A bike insurance plan provides financial protection for damage caused to your RTR 160 4V, paying for repair costs and replacement for theft or a total loss. Here’s how it works:

Step 1: Policy Purchase

Compare your options and select a policy that fits your needs. Pay the required premium to complete your purchase and download the policy documents.

Step 2: Raising Claims

In case of an unfortunate incident, inform us and file your claim using our claims portal. Fill out the claims form with the necessary details and provide evidence for the damage or loss.

Step 3: Claim Settlement

Bike insurance claims can be settled in two ways. The first is cashless claims, where we settle your bills directly with a network garage. The other is a reimbursement claim, where you pay for the repairs and get reimbursed later.

Step 4: Renewing the Policy

Every bike insurance has a fixed tenure, after which it expires. When this happens, you need to pay the premium again to renew your policy and enjoy continuous coverage.

Inclusions of Bike Insurance in India

• Theft: Reimburses the current market value of the TVS bike if it’s stolen or damaged beyond repair
• Fire: Covers fire-related damage from self-ignition, explosions, lightning, earthquakes, etc.
• Natural Calamities: Covers damage or loss due to floods, cyclones, landslides, snowfall, hurricanes and other natural events
• Manmade Damages: Includes riots, vandalism, strikes, terrorist acts and other malicious acts
• Accident and Transit Damage: Covers accidental damage and damage while transporting the vehicle via rail, road, air, waterways, lifts and elevators
• Personal Accident Cover: Compensates medical expenses for serious injuries and pays the insured amount to the appointed beneficiary for the owner-driver’s death
• Third Party Liability: Third-party property damage, injuries and death and legal defence expenses for such incidents

Exclusions of Bike Insurance in India

• Wear and Tear: Excludes general wear and tear, depreciation, consequential loss, and ageing-related electrical/mechanical breakdown
• Damage from Burglary: Damage from theft attempts, housebreaking, and burglary is not covered if the bike isn’t stolen
• Traffic Violations: Damage/loss incurred while the rider doesn’t have a helmet or a driving licence
• Drunk Driving: Damage due to riding under the influence of liquor, drugs, and other intoxicants
• Extraordinary Situations: Damages due to war, invasion, mutiny, war-like operations and nuclear hazards

1. Depreciation Allowance: The Zero Depreciation Cover pays for the depreciation amount deducted from the value of parts replaced under an own damage claim. It helps to cover the entire claim amount without deductions for depreciation.

2. Emergency Medical Expenses: This add-on covers the cost of medical expenses and ambulance charges for an accident involving the insured bike. It covers the driver and co-occupants for treatment at a hospital or nursing home.

3. Consumables Expenses: The Consumables Cover reimburses the cost of certain bike consumables, including engine oil, oil filters, gearbox oil, grease, nuts, bolts, screws, bearings, distilled water, etc., required during an accident claim.

4. Tyre and Rim Secure: It covers repairs and replacement of bike tyres and rims, plus labour charges from accidental loss or standalone damage. The benefits of this cover extend to 2 replacements for both tyres and rims.

5. Roadside Assistance: The Roadside Assistance provides a range of emergency assistance services, including tyre change, battery jumpstart, on-the-spot repairs, towing assistance, fuel delivery, etc. These benefits are available 24/7 at any covered location.

6. Engine Secure: The Engine Secure Add-On covers damage to the bike engine, gearbox or transmission from water ingress or lubricant leakage into the engine. It also pays for replacing or replenishing certain consumables and lubricants.

7. Additional Personal Accident Cover for the Owner Driver: The Additional Personal Accident Cover provides extra compensation for bodily injuries and fatalities of the owner-driver over and above standard bike insurance policies.

8. Return to Invoice: The Return to Invoice Add-On helps cover the full invoice cost of your insured bike during its purchase for theft, total loss or constructive total damage claims. It also covers first-time registration charges and road tax.

9. Additional Third-Party Property Damage: This add-on provides extra coverage over and above standard third-party coverage included in comprehensive and standalone third-party bike insurance plans.

10. Additional Personal Accident Cover to Unnamed Persons: This add-on covers bodily injuries and fatalities for anyone driving or travelling in the insured bike who meets with an accident. It increases the standard limit from ₹1 lakh to ₹5 lakhs.

Disclaimer: The above list of add-ons is not exhaustive and subject to terms and conditions.

• No Claim Bonus: The No Claim Bonus is a discount offered for bike insurance renewals and increases with every claim-free year. Know a policy’s maximum NCB benefits and how long you have to wait for it.
• Choice of Add-Ons: Before purchasing, go through the selection of add-ons and see if they fit your needs. If you have an expensive bike, add-ons like depreciation cover and return to invoice cover help cover the full claim amount.
• Claim Process and Support: Understand the claims process and how easy it will be for you. Also, check if the insurer has a high Claim Settlement Ratio (CSR), low turnaround time for processing claims and strong customer support.
• Network Garages: To get the best bike insurance in India, examine the insurer’s network garage size and availability in your city. See if there are garages near your residence, workplace, and frequently travelled destinations covered by the network.
• Deductible: When evaluating bike insurance, ensure to avoid plans with compulsory deductibles, as it burdens your claim experience. If you want lower premiums, review the discounts offered for voluntary deductibles and their conditions.

Step 1: At the top of this page, find our premium quote tool. Type in your bike registration number and click on ‘Get Price’.

Step 2: Enter the required personal and bike details on the next page. Then, select your insurance coverage amount and include add-ons based on your needs.

Step 3: You will get quotes for the TVS Apache RTR 160 4V insurance price based on your inputs. If you want to proceed, complete the online payment to buy a new bike insurance plan.

Step 1: At the top of this page, find the ‘Renewal’ menu and select ‘Bike’.

Step 2: Type in your bike registration number or 10-digit current bike policy number.

Step 3: Review the updated bike insurance renewal price. Update the details, including the IDV limit and add-ons, as per your needs.

Step 4: Confirm your choices and make the online payment to renew your bike insurance policy with TATA AIG.

The TVS Apache RTR 160 4V bike insurance price mainly depends on the type of plan. For third-party plans, the insurance price is fixed for all insurers by the IRDAI, while for own damage coverage, insurers are free to set their rates. You can use an online bike insurance calculator to estimate the price based on your selected terms.

Step 1: File your bike insurance claim by going to TATA AIG’s Claims Support Page or helpline (022-6489-8282). Then, provide the information as required in the next steps.

Step 2: We will forward you a self-inspection form to your registered mobile number. Open the link and enter damage details and evidence using your smartphone.

Step 3: We will also dispatch a surveyor to inspect your vehicle for damage and prepare a repair estimate. Coordinate with our surveyor to get the damage report.

Step 4: Take your vehicle to a TATA AIG network garage for cashless claims. If a network garage isn’t available, you can pay for the repairs and claim reimbursement.

Step 5: After the repairs are completed, submit the necessary documents, including repair bills, estimate, payment receipts, ID proof, policy papers, and bike-related documents.

Step 6: We will settle your pending bills directly with the network garage or send the reimbursement after verification. You will get a claim registration number you can use to track your claim status.

• Claims form signed by the insurer and policyholder
• Copy of original policy documents
• Tax payment receipt for the TVS Apache bike
• Copy of RC (registration certificate)
• Any identity proof (driving licence, Aadhaar card or PAN card)
• Original repair estimate and invoices
• Garage repair bills for reimbursement claims
• Hospital bills for personal accident claims
• No Trace Report by the police and a letter to the RTO for theft-related claims
• Copy of FIR for third-party damage, injuries and theft claims
• RTO transfer papers (if any)
• Legal notice for third-party claims (if any)

The TVS Apache RTR 160 4V is available in 4 different models and several different variants. Here are the ex-showroom and on-road prices in Delhi as per the official website.

Disclaimer: Note that the prices are indicative and may vary depending on the time, location and dealerships. Please check the official website and dealership prices for accurate information.

As a premium streetfighter, the TVS Apache RTR 160 4V is a sophisticated machine with several important components that have to function well. Here are the most essential parts for which bike insurance is crucial:

• Engine: A bike’s engine is responsible for providing power to the vehicle, and its characteristics depend on the engine capacity, number of strokes/revolution and torque/power rating. The RTR 160 4V is powered by a 159.7cc, 4-stroke engine.
• Suspension: A motorbike’s suspension system consists of springs and dampers that manage the impact of shock and vibration. As a high-performance bike, the Apache RTR 160 4V comes with race-tuned USD suspension with monoshock absorbers.
• Tyres and Wheels: High-performance machines use specialised wheels and tyres to provide optimal handling and traction. The RTR 160 6V comes with wide tubeless radial tyres designed for sharp cornering and precision.
• Brakes: To ensure the rider’s safety, a bike must have good brakes with a short stopping distance. This Apache RTR bike comes equipped with petal disc brakes and an adjustable 3-step brake and clutch levers for optimised braking.
• Dashboard Display: Modern bikes come with digital dashboards that display all the essential information. The TVS Apache RTR 160 4V has a 5-inch TFT (thin-film transistor) information cluster with smartphone connectivity, turn-by-turn navigation, and other features.

The TVS Apache series is one of India’s all-time favourite bikes, and the new Apache RTR 160 4V is the latest popular model to hit the market in 2026. It provides a balance between thrilling performance and everyday usability in city traffic, making it a perfect choice for young bike enthusiasts.

As a high-end premium streetfighter bike, an effective bike insurance plan is needed to secure your purchase from accidents, theft and other prevalent risks. If you are looking for effective coverage, TATA AIG offers several cost-effective and all-inclusive bike insurance plans for riders across the country.