Honda Activa Two Wheeler Insurance
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Two-Wheeler Insurance For Honda Activa
The Honda Activa is one of the most trusted two-wheelers on Indian roads, used daily for office commutes, errands, and family travel. However, frequent traffic congestion, unpredictable road conditions, and rising accident rates mean even a reliable scooter is exposed to risks. A minor skid, unexpected collision, theft, or damage from heavy rains can quickly lead to repair costs that disrupt your routine and finances. This is where Honda Activa two-wheeler insurance becomes essential. The right insurance cover not only helps manage repair expenses but also ensures legal compliance and peace of mind. Understanding how this two wheeler insurance works helps you protect both your scooter and your daily mobility.
Features of Honda Activa Insurance
Honda Activa insurance is designed to protect you from everyday risks such as accidents, theft, and unexpected repair costs. Whether you buy Activa insurance online or opt for timely Honda Activa insurance renewal, the right cover ensures financial securi
Benefits of Honda Activa Insurance
Choosing the right Honda Activa insurance ensures your everyday rides stay protected without unnecessary stress. From busy city roads to unexpected repair costs, the right cover helps you manage risks while staying legally compliant.
Easy Online Purchase and Renewal
With Activa insurance online, buying or completing a Honda Activa insurance renewal takes only a few minutes. The digital process is simple, paperless, and can be done anytime.
Instant Policy Issuance
Get immediate policy confirmation once you complete the payment, with documents shared digitally for easy access.
Transparent Coverage and Premiums
Online platforms clearly display coverage details, add-ons, and premiums, helping you make informed decisions.
Hassle-Free Renewals
Quick online renewals help avoid policy lapses and ensure uninterrupted protection for your Honda Activa.
Types of Activa Two-wheeler Insurance Plans
Selecting the right Honda Activa insurance plan depends on how long you want coverage and the level of protection you need. Just like car insurance, two-wheeler insurance offers multiple options to suit different riders.
Provides own-damage and third-party cover for multiple years, reducing renewal hassles and protecting against accidents, theft, fire, and natural calamities.
Offers only third-party liability cover for up to five years, meeting legal requirements at a lower cost.
Designed for new Activa owners, this plan combines long-term third-party cover with one-year own-damage protection.
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What’s Covered Under Honda Activa Insurance?
A comprehensive Honda Activa insurance policy is designed to protect you against common risks faced during everyday riding. Whether you buy Activa insurance online or opt for a timely Honda Activa insurance renewal, the following typically apply:
Third-party liability
Covers legal and financial liabilities if your Activa causes injury, death, or property damage to a third party. This cover is mandatory under Indian law.
Accidental damage
Protects against partial or total damage to your scooter caused by road accidents, collisions, or overturning.
Fire-related damage
Covers losses arising from fire, explosion, or self-ignition that damage your Activa.
Natural calamities
Protects against damage from floods, earthquakes, cyclones, storms, landslides, and other natural disasters.
Man-made incidents
Covers damage due to riots, strikes, vandalism, malicious acts, or civil disturbances.
Theft or total loss
If your Activa is stolen or damaged beyond repair, the policy pays you the Insured Declared Value (IDV).
Personal accident cover
Offers financial support in case of accidental death or permanent disability of the owner-rider.
Optional add-ons
You can enhance protection with add-ons such as engine protection, roadside assistance, consumables cover, or zero depreciation, similar to add-ons available in car insurance policies.
Wear and tear or ageing
Regular wear, rusting, and gradual deterioration of parts are not covered.
Mechanical or electrical breakdowns
Failures not caused by an accident are excluded unless covered through a specific add-on.
Depreciation and consequential losses
Losses due to part depreciation or indirect damages are not payable without a zero-depreciation add-on.
Improper or illegal usage
Claims may be rejected if the Activa is used for racing, stunts, commercial purposes, or activities not permitted under the policy.
Riding under the influence
Damage occurring while riding under the influence of alcohol or drugs is excluded.
Invalid documentation
Riding without a valid driving licence, registration certificate, or required permits can lead to claim rejection.
Intentional or fraudulent damage
Any deliberate damage or fraudulent claims are not covered.
Geographical limitations
Damage occurring outside the policy’s defined geographical area is excluded.
War and nuclear risks
Losses arising from war, nuclear events, or radioactive contamination are not covered.
Add-on Covers You Should Consider for Honda Activa Insurance
While a standard Honda Activa insurance policy covers common risks, add-ons help extend protection against situations that often lead to higher out-of-pocket expenses. Choosing the right add-ons becomes especially useful if you rely on your Activa for dai
Depreciation Cover
This add-on ensures that depreciation is not deducted from the cost of replaced parts during a claim. It helps you receive the full value of parts replaced after an accident, which is particularly beneficial for newer Activa scooters.
Return to Invoice Cover
If your Activa is stolen or damaged beyond repair, this cover helps you receive the original invoice value instead of the depreciated IDV, reducing financial loss.
Consumables Cover
Covers expenses for consumables such as engine oil, brake fluid, nuts, bolts, and lubricants that are usually excluded from standard policies.
Engine Protect Cover
Offers financial support if engine damage occurs due to waterlogging, oil leakage, or similar issues, which are common during monsoons.
Why Choose Zurich Kotak for Honda Activa Insurance?
Choosing the right insurer for your Honda Activa insurance matters as much as choosing the right cover. Zurich Kotak makes the process simple, reliable, and well-suited for everyday two-wheeler owners who want clarity and convenience.
Quick and Time-Saving Process
You can buy or renew Activa insurance online within minutes. The process is fully digital, with instant quotes and policy issuance, eliminating paperwork or branch visits.
Cost-Effective Coverage Options
Zurich Kotak helps you save through No Claim Bonus benefits for claim-free years, long-term policy discounts, and eligible concessions such as AAI membership or approved safety devices.
Hassle-Free Policy Management
From easy renewals to cashless repairs at network garages, managing your Honda Activa insurance remains smooth and stress-free throughout the policy term.
Instant Discounts and Transparent Pricing
Eligible discounts are applied upfront, so you clearly understand how your premium is calculated without hidden charges.
24×7 Customer Support
Round-the-clock assistance is available for claims, renewals, and policy-related queries, ensuring support whenever you need it.
Trusted and reliable bike policy
At Zurich Kotak, we believe in issuing your bike insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your bike insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.
How to Buy/Renew Honda Activa Insurance?
Steps to Buy Honda Activa Insurance Online
Buying or renewing Honda Activa insurance online is a straightforward process that ensures continuous protection with minimal effort. Follow the steps below to purchase a new policy or complete your Honda Activa insurance renewal without paperwork.
Step 1: Get a Quote: Visit the two-wheeler insurance section and click on Get Quote. Enter your Honda Activa’s registration number, model, variant, and year of manufacture.
Step 2: Select Coverage: Choose the type of cover required, such as third-party or comprehensive insurance. You can also select add-ons based on your riding needs.
Step 3: Review Premium Details: Check the premium breakdown, coverage limits, and policy terms before proceeding.
Step 4: Make Payment: Complete the purchase using a secure online payment method.
Step 5: Receive Policy Instantly: Your policy document is issued immediately and shared digitally.
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How is the Premium for Honda Activa Insurance Calculated?
The premium for Honda Activa insurance is determined by key factors related to your scooter and the type of cover you choose.
Insured Declared Value (IDV)
The current market value of your Activa after depreciation. A higher IDV means a higher premium.Engine Capacity
Activa falls under the 75–150 cc category. Third-party premiums for this segment are fixed by IRDAI.Type of Cover
Third-party cover costs less, while comprehensive insurance includes own-damage protection and has a higher premium.Add-on Covers
Optional add-ons like zero depreciation or engine protection increase the premium but enhance coverage.No Claim Bonus (NCB)
Claim-free years earn NCB of up to 50% on the own-damage premium during Honda Activa insurance renewal.Location and Tenure
Premiums vary by city and may be lower with long-term policies.
Key Factors That Influence Honda Activa Insurance Premium
Insured Declared Value (IDV): IDV represents the current market value of your Activa. Newer models or lower depreciation result in a higher IDV, which increases the premium. It is calculated by subtracting age-based depreciation from the ex-showroom price.
Engine Cubic Capacity: Honda Activa scooters fall within the 75–150 cc category. As per IRDAI guidelines, this engine range has a fixed third-party premium, which forms the base cost of insurance.
Vehicle Age and Variant: Older Activas usually attract lower own-damage premiums due to reduced IDV. Variants like Activa 125 may cost slightly more to insure than standard models.
Geographical Location: Premiums are higher in metro cities due to higher traffic density, increased accident risk, and higher theft risk compared to smaller towns.
Coverage Type and Add-ons: Comprehensive cover costs more than third-party insurance. Add-ons such as zero depreciation or roadside assistance can increase the premium but offer wider protection.
No Claim Bonus (NCB): Riding claim-free earns you an NCB of up to 50% on the own-damage premium, significantly reducing renewal costs over time.
Steps to Renew Honda Activa Insurance Online
Follow these quick steps to renew your bike insurance policy and keep your bike protected always
On-time renewals are beneficial and Zurich Kotak allows you the easy process of renewing your bike insurance policy online.
Step 1: Go to Insurance Renewal: Visit the renewal section and enter your existing policy number or vehicle details.
Step 2: Review Current Policy: Check your existing coverage, No Claim Bonus, and policy validity.
Step 3: Update Coverage if Required: Modify add-ons or coverage before renewal.
Step 4: Pay Renewal Premium: Make the payment securely online.
Step 5: Download Renewed Policy: The renewed policy is issued instantly, ensuring uninterrupted coverage.
How to Buy or Renew Insurance for Your Second-Hand Honda Activa?
Buying or renewing insurance for a second-hand Honda Activa is simple, as long as you have the right details in place. Whether you have recently purchased a used Activa or are continuing with an existing policy, following a clear process helps ensure unin
If the previous policy has expired or ownership has recently changed, a basic inspection may be required before activation. Renewing or buying Activa insurance online ensures quick protection and peace of mind, similar to how car insurance works for pre-owned vehicles.
Step 1: Check the existing insurance status: Before purchasing a new policy or renewing, verify whether the previous owner’s insurance is still active. If the policy exists, ensure it is transferred to your name and added to the scooter's ownership.
Step 2: Gather required details: Keep your Honda Activa’s registration number, model details, previous policy number (if available), and your personal contact details ready.
Step 3: Get a quote online: Visit the bike insurance page and enter your Activa’s details to get an instant premium quote. This works for both new purchases and Honda Activa insurance renewals.
Step 4: Review and customise coverage: Choose between third-party or comprehensive cover. You can also add useful add-ons, such as zero depreciation or engine protection, depending on the scooter's condition.
Step 5: Complete payment and receive policy: Make a secure online payment. Once done, the policy is issued instantly and shared digitally for easy access.
How to claim Two-Wheeler Insurance online at Zurich Kotak
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Documents Required for Activa Two Wheeler Insurance Claim
Filing a claim for your Honda Activa becomes quicker and smoother when all required documents are ready in advance. Submitting complete and accurate paperwork helps avoid delays and ensures faster assessment and settlement of your claim. Depending on the nature of the incident, keep the following documents handy:
Duly filled claim form : The completed claim form with the correct details of the incident and policy information.
Copy of the insurance policy: A valid Activa insurance policy document to confirm active coverage.
Vehicle Registration Certificate (RC): A copy of your Activa’s RC as proof of ownership.
Valid driving licence: The rider's licence must be valid and applicable at the time of the incident.
First Information Report (FIR), if applicable: Mandatory for theft cases, third-party claims, or major accidents.
Repair estimates and final bills: Estimates and invoices from the authorised garage for accidental damage claims.
Photographs of the damaged vehicle: Clear images showing the extent of damage to support claim verification.
Bank account details: Required for direct transfer of the claim settlement amount.
Steps to download physical copy of Bike Insurance Policy
Here is your step-by-step guide to access your policy copy
After you buy a policy online, the soft copy of the bike insurance policy is instantly issued and sent to the registered email ID. Thereafter, the physical copy of the bike insurance policy is sent through mail within a few days. If you are unable to find the soft copy of bike insurance policy in your email or if you have misplaced the physical copy, you can download the policy online
Visit our website www.zurichkotak.com
Click on ‘Download Policy Copy’ under Login button on top right-hand corner
Enter the policy number, registered mobile number or the registered email ID and click on ‘Get OTP’
An OTP would be sent to your registered mobile number and email ID. Enter the OTP in the required field and submit
The policy copy would be available for download. You can download it on your system and save it for future use
Bike Insurance glossary
There's always more to know about bike Insurance
The bike & scooter premium is the amount paid by the policyholder periodically to the insurance company towards the bike insurance policy
The IDV is the maximum coverage amount set by the insurer for a vehicle, based on the manufacturer's price adjusted for depreciation. In case of total loss, it represents the compensation to the policyholder.
Coverage is the amount of risk that is covered for the policyholder through an insurance policy.
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Frequently Asked Questions
Riding your Honda Activa without valid insurance is illegal in India. You may face fines, licence suspension, or legal action. Additionally, any accident-related repair costs or third-party liabilities must be paid entirely from your own pocket.
Third-party insurance covers only legal liabilities towards others for injury, death, or property damage. Comprehensive insurance provides broader coverage, including damage to your Honda Activa from accidents, theft, fire, and natural disasters.
Insured Declared Value (IDV) is the current market value of your Honda Activa. It is calculated by subtracting depreciation from the manufacturer’s selling price, based on the scooter’s age, model, and condition at policy inception or renewal.
Yes, you can choose add-ons like zero depreciation or engine protection with Honda Activa insurance. These covers reduce out-of-pocket expenses by covering depreciation on parts or engine damage due to water ingress or oil leakage.
Yes, a comprehensive Honda Activa insurance policy covers theft and damage caused by natural calamities such as floods, earthquakes, cyclones, and storms. Compensation is based on the policy terms and the applicable Insured Declared Value.
You can renew Activa insurance online by entering your scooter or previous policy details, reviewing coverage and add-ons, paying the premium digitally, and receiving the renewed policy instantly via email, ensuring uninterrupted and legally compliant coverage.
Typically, you need the insurance policy copy, registration certificate, driving licence, FIR (for theft or major accidents), claim form, and repair estimate. Additional documents may be requested depending on the nature of the claim.
Factory-fitted accessories are usually covered under standard policies. Non-standard accessories may require additional cover. Helmets and removable personal items are generally not insured unless specifically mentioned under optional accessory coverage.
Choosing a voluntary deductible lowers your insurance premium because you agree to bear a higher portion of repair costs during a claim. However, it increases your out-of-pocket expense when you file a claim.
Yes, you can enhance Honda Activa insurance with add-ons such as zero depreciation, engine protect, consumables cover, roadside assistance, or return to invoice, depending on availability and suitability for your riding and usage conditions.
Inspection is generally not required if you renew before expiry. However, if there is a break in policy coverage, insurers may inspect your Honda Activa to assess its condition before approving renewal or issuing a new policy.