Insurance quote
IDV, own-damage, third-party and add-ons.
| Own damage (1.79% of IDV, metro zone) | ₹1,793 |
| No-claim bonus (20%) | − ₹359 |
| Zero depreciation | ₹400 |
| Roadside assistance | ₹100 |
| Third party (164.82 cc, IRDAI) | ₹1,366 |
| GST (18%) | ₹594 |
| Total | ₹3,894 |
Estimate only. Insurers price by IDV, zone, claims history and add-ons; get a real quote before buying.
Quick answers
What is IDV in bike insurance?
Insured Declared Value is the most the insurer pays if the bike is stolen or written off. It is the ex-showroom price minus standard depreciation: 5% up to 6 months, 15% up to 1 year, 20% up to 2 years, 30% up to 3 years, 40% up to 4 years and 50% up to 5 years. For older bikes it is agreed with the insurer.
Is third-party insurance the same price everywhere?
Yes. Third-party premiums are notified by IRDAI and depend only on engine size (or motor power for EVs): for example ₹714 a year for 75–150 cc and ₹1,366 for 150–350 cc.
How much does the no-claim bonus save?
NCB is a discount on the own-damage part only: 20% after one claim-free year, rising to 25%, 35%, 45% and a maximum of 50% after five claim-free years.