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Yamaha FZ-X Insurance

Bikes and Indians have had a long-standing love affair. The agility, mobility and affordability make them a perfect fit for the Indian audience. And if you are on the lookout for the right bike, you must have come across the Yamaha FZ-X. But, if you are planning to buy or own an FZ-X, you must have Yamaha FZ-X insurance.

Indian roads see a lot of vehicular accidents, majority of them being bike-related. To safeguard motorists, the Motor Vehicle act of 1988, makes insurance for their two-wheeler mandatory, at least the basic third-party cover. If you are caught driving without your two-wheeler insurance, the penalty is severe, and the fines can reach up to ₹2000 for the first offence and ₹4000 consequently. Thus, if you wish to buy the Yamaha FZ-X, do not forget to get the right insurance for your two-wheeler first.

At Tata AIG, we have curated a range of online two-wheeler insurance plans to help you find the right coverage for your Yamaha FZ-X. If you want to apply for our Yamaha bike insurance, take advantage of our seamless bike insurance purchase and renewal processes. You can also use our online bike insurance calculator to compare and find the best Yamaha FZ-X insurance for your needs.

Yamaha Bike Insurance Renewal/Buy Yamaha Bike Insurance via TATA AIG

It is a legal mandate to have an active Yamaha bike insurance policy, every time you take your bike out for a ride. If you are looking to buy a new Yamaha FZ-X, you can check your Yamaha FZ-X bike insurance price with our online bike insurance calculator. Also, remember that insurance for two-wheelers has an expiry date, and you need to renew it before it expires (ideally two weeks prior). So, if you have an existing Yamaha insurance, use our quick online process to check the Yamaha bike insurance renewal price and renew your insurance.

  • Check out our official website and look under the heading "Bike Insurance."
  • Type your registration details and click Get Price to see the new Yamaha FZ-X bike insurance price for your bike. Select the Renew checkbox to continue with your existing Yamaha bike insurance coverage with Tata AIG.
  • Fill in your personal details, the required details of your Yamaha FZ-X and your Yamaha bike insurance expiration date.
  • Choose from the displayed IDV and fill in the Insured Declared Value (IDV) for your bike. The IDV is the current market worth of your bike, which will be applied to determine the cost of the FZ-X insurance if you've never lodged a bike insurance claim. Submit proof of the same and select the No Claim Bonus discount.
  • You will be shown your Yamaha bike insurance renewal price or the Yamaha FZ-X insurance price on your monitor.
  • You will receive your insurance via email or Whatsapp after confirming your payment.
  • The renewal or purchase of your Yamaha motorcycle insurance is now complete.

Before zeroing in on a policy for yourself and your family, you always recommend using a bike insurance calculator to find the best fit for you.

Yamaha FZ-X Insurance Price - Your Premium Amount

The FZ-X bike insurance price depends on several factors, including the level of protection you select and the manufacturer variety, and the version of your bike. Take, for instance, third-party bike coverage. The rates for third-party bike insurance are determined by the Insurance Regulatory and Development Authority of India (IRDAI) based on the bike's engine cubic capacity. These rates are announced on an annual basis.

A comprehensive two-wheeler insurance policy, on the contrary, offers more protection at a higher cost. Your bike’s engine and cubic capacity, its IDV or Insured Declared Value and security systems all play a role in determining your Yamaha FZ-X insurance price.

The IDV or Insured Declared Value of your bike is the highest amount you will receive from your insurance provider in case of total damage or theft. If you choose a low IDV, it will decrease your FZ-X insurance price, but your payout will be insufficient in case of total damage or theft. Contrarily, if you choose an IDV that is too high, you will receive a good payout in case of theft or total damage but will have to pay large premiums. Thus, it is important that you choose the right IDV for your vehicle.

Utilising our bike insurance calculator, you can quickly get quotes for various coverage options and the right IDV for your bike. Once satisfied with the insurance and rate, you may purchase your Tata AIG Yamaha bike insurance policy.

Things Covered/Not Covered Under TATA AIG’s Yamaha FZ-X Bike Insurance Policy

When buying insurance for two-wheelers, you must buy one best suited to your needs. You can do this by checking the fine print of your insurance policy and seeing that you are getting what the best option for you is.

Here is the list of inclusions and exclusions from Tata AIG that can help you decide.

Things Covered Under TATA AIG’s Yamaha Insurance Things Not Covered Under TATA AIG’s Yamaha Insurance
Any losses caused to the vehicle because of human acts of terrorism, vandalism, riots and more. Personal accident or own damage will not be covered if the person is under a third-party bike insurance policy.
Any harm rendered to the bike from explosions, self-ignition fires, lightning etc. Any harm caused when the bike was being used for commercial reasons. Also, if the damage results from adventure sports, racing, speed trials, etc.
Any degree of damage caused to the bike because of natural disasters, including cyclones, earthquakes, floods, etc Any damage to the insured vehicle when it is outside the confines of the geographical location mentioned in the policy (i.e., outside India).
Any damage caused to the bike owing to theft or damages adding up to a total loss. Any loss caused by use over time and normal wear and tear, including mechanical and electrical breakdowns.
Any customisations you have made to your policy will be considered when you make an insurance claim. Any damage was caused to the bike because of a robbery in your residence, but the bike was not stolen.
Suppose any damage was incurred by the insured bike during transportation by airways, waterways, railways, etc. Any damage caused when the vehicle was used in areas prone to damage, such as a flood or landslide-prone area.
Personal injury coverage of up to ₹15 lakhs for the bike policyholder in the event of an accident. If the owner-driver passes away in the accident, the policyholder's nominee will get the sum insured. Damage caused to the bike because of a war-like situation in the country or an attack from external forces.
Damage to the insured bike due to a collision involving a third-party vehicle and harm to someone else's assets or injury to a third-party person resulting in death or impairment. Destruction or loss of the insured bike if the rider is intoxicated, if they were not using a helmet at the time of the collision, or if not carrying a valid driver's license.

Why Is It Important to Have Yamaha Bike Insurance from TATA AIG?

  1. You can compare Yamaha bike insurance packages and choose from various plans with our help. We offer you everything in one place. Whether it is a customised plan, comprehensive two-wheeler insurance plan online, standalone own damage insurance, or third-party coverage, you can get it all with us.

2.We provide an online 3-step insurance claim technique that is simple, effective and not time-consuming, thanks to the help of 650 insurance specialists across India. The system ensures that every case is resolved quickly and effectively, which helped us resolve 98 per cent of all claims in the financial year 2020-21.

  1. Tata AIG, which has over 20 years of expertise in the Indian insurance system, works hard toward securing the confidence of over 5 million consumers across the nation every day. Our service over the years has allowed people to trust our brand and stay loyal to us.

  2. We offer you the opportunity to buy our Yamaha FZ-X insurance online from the comfort of your home. Our online process is easy and hassle-free, ensuring you face no troubles while buying insurance for your two-wheeler.

  3. We offer you a network of over 7500 cashless garages wherein you may get your bike repaired or serviced without paying anything from your end.

Overview: Yamaha FZ-X

Even over a decade later, the Yamaha FZ-X is among the most popular bikes. FZ-X is an ideal blend of comfort and efficiency. The Yamaha FZ-X has a robust 149cc motor, a backlit LCD gauge panel, and other attractive characteristics. Yamaha's designers have prioritised performance, elegance, and manoeuvrability. The Yamaha FZ-X bike price makes the bike more attractive to its users. It is the perfect fit for the Indian roads.

The All-New Yamaha FZ-X arrived in India as a hybrid motorbike with Neo-Retro style inspiration. The powerful two-wheeler excited a new generation of bikers with future-proof innovations that optimise every ride and characteristic classic appeal. Each ride will seem like a rush of freedom thanks to this new motorcycle's sturdiness, style, comfort, connectedness, and security.

The FZ-X has a one-of-a-kind single-cylinder fuel-injected "BLUE CORE" engine, air-cooled 4-stroke 149cc SOHC, 2-valve. Bosch's single-channel ABS and frontal disc brake with a 2-pot calliper ensure precise braking while maintaining exceptional stability. The bike handles well on the road and provides the best experience in terms of safety and comfort.

Yamaha FZ-X Bike Prices and Variants

The Yamaha Fx X is available in 2 variants at 2 different price points. Check and compare the different bike variants and then make an informed decision on which one you want.

Variant Ex-Showroom Price* in Delhi
Yamaha FZ-X Bluetooth ₹1.22 lakhs
Yamaha FZ-X STD ₹1.17 Lakhs

Unique Selling Points: Yamaha FZ-X Features

The Yamaha FZ-X is available in two versions: standard and Bluetooth. The two models come in three premium colours, namely Matte Black, Matte Copper, and Metallic Blue. The FZ-X is designed in a neo-retro style. A circular LED headlamp with DRLs is included. Blacked-out features, like the motor, bumpers, and black rims with accents, juxtapose with the colour scheme. The FZ-X has a recessed fuel tank top and a single-piece seat with upright handlebars for additional comfort.

The Yamaha Y-Connect app is connected to the FZ-full-LCD X's instrument cluster. SMS alerts, mileage statistics, the last stopped location, and a breakdown alert are all available. A USB charging connector and a side-stand motor cut-off button are significant features.

Some other stand-out features of the bike are:

  1. It comes with an under-cowl.
  2. It has a cut-off engine.
  3. It comes with a stylish LCD monitor.
  4. Sleek yet efficient tail-light.
  5. Engine Guard.
  6. Seat cover.

Top 3 Rivals of Yamaha FZ-X

  1. Suzuki Gixxer
  2. Bajaj Pulsar NS 160
  3. TVS Apache RTR 160

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

1. What is IDV in bike insurance?

1. What is IDV in bike insurance?


IDV stands for Insured Declared Value, which is the highest sum assured set by the insurer in the event of a vehicle's theft or total loss. In a nutshell, IDV refers to your vehicle's current market worth. It's normally calculated using the manufacturer's suggested retail price for the model and version of the automobile (including optional equipment) at the start of the policy. It is calculated after depreciation has been adjusted for each year. The two-wheeler insurance claim amount is computed based on IDV if your bike is stolen or severely damaged to the point of being beyond repair. This is why it's critical to insure your bike for the correct IDV.

2. What is a No Claim Bonus?


A No Claim Bonus or NCB is a rebate from your insurance provider for not making a claim during a policy period. If you do not make a claim for two consecutive years, you can get a 10% discount in the following year. This keeps adding up, and if you do not make a claim for 5 consecutive years, you can get a discount of 50%, which is the highest applicable discount. As a result, ensure you maintain your bike with routine maintenance and ride safely to avoid damage. These steps will assist you in taking advantage of the NCB option on your two-wheeler insurance policy.

3. What happens if I choose the wrong IDV for my bike?


Choosing the wrong IDV for your bike may affect your claim and your coverage premium. If your IDV is low, you get a low payout in cases where your bike is damaged beyond repair or stolen. But if your IDV is very high, you will have to pay an unnecessarily large premium to insure your bike.

4. How can I make an online bike insurance claim with Tata AIG?


At Tata AIG, we have a simple and quick claims process that involves the following steps.

  1. Go to our website and click on the Claims tab.
  2. Enter your registered mobile number and click on confirm.
  3. Submit your bike insurance policy number, the details of the First Information Report, if applicable, and the other necessary information.
  4. Submit the claim form.
  5. Cooperate with the Bike Insurance Surveyor appointed to inspect the damages to your bike.
  6. Await the completion of the claim settlement process on our end. At any time during the claims process, if you need assistance, feel free to contact our 24*7 support team.