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- KTM Bike Insurance
About KTM Bike
KTM (Kronreif & Trunkenpolz Mattighofen) was established in 1934 in Austria. Over the years, it has gained a strong foothold across the world. In India, it has expanded through its focus on high-performance motorcycles. The company's Duke series of bikes is favoured for its lightweight frame and powerful performance. The RC series of bikes offers a sportier, track-focused experience. Models like the KTM 250 Adventure and 390 Adventure have also gained popularity among bikers.
Popular KTM Bike Models With Bike Insurance Price
| KTM Bike Models (Registration 2024) | Zero Dep Cover* (Add-on Cover) | Estimated KTM Bike Insurance Price* (1+5 Bundled Policy) |
| KTM Duke 125 ABS (125 cc) | ₹ 439 | ₹ 4,097 |
| KTM RC 200 (200 cc) | ₹ 317 | ₹ 7,743 |
| KTM Super Duke 990 (990 cc) | ₹ 240 | ₹ 15,582 |
| KTM 250 Adventure STD (250) | ₹ 240 | ₹ 7,820 |
| KTM 390 Adventure Rally With Spoke Wheel (373 cc) | ₹ 240 | ₹ 15,582 |
| KTM 690 STD (654 CC) | ₹ 240 | ₹ 15,342 |
*Disclaimer: KTM insurance policy premiums may vary based on factors such as the insurance provider, bike model, year of manufacture, registration location, Insured Declared Value (IDV), selected add-ons, and the vehicle's ex-showroom price.
KTM Insurance Price Calculator
To estimate the KTM Duke 200 insurance price and insurance price for any KTM bike, you can use the online bike insurance calculator available on Policybazaar.com. Simply input the following details to get an estimate:
- Ex-showroom price of the KTM bike
- Model and variant of your KTM bike
- RTO location and year of registration
- Previous claims history
Coverage Under KTM Insurance
- Inclusions
- Exclusions
KTM insurance policy typically covers:
- Theft protection or total loss of the bike
- Accidental damage to your KTM and third-party property
- Damage caused by natural events, including floods, landslides, and storms
- Losses due to civil disturbances, such as riots
- Coverage for fire-related incidents
KTM insurance policy generally does not cover:
- Claims made with expired licenses or other invalid documentation
- Routine maintenance issues, internal breakdowns, or wear and tear
- Incidents occurring outside the geographical scope or after policy expiry
- Damage due to misuse, neglect, or involvement in conflicts
- Claims if riding under the influence of alcohol or drugs
*Disclaimer: Review the policy terms carefully to understand all specific inclusions and exclusions.
How to Buy/Renew KTM Insurance Online?
You can easily buy or renew KTM insurance online by following these steps:
- Step 1: Visit Policybazaar.com and go to the “Bike Insurance” section under the 'Insurance Products' section.
- Step 2: For policy renewal, select “Renew” and enter your KTM bike's registration details. If purchasing a new policy, choose “New Bike Insurance.”
- Step 3: Enter all necessary details accurately.
- Step 4: Review the available insurance plans and choose the one that best suits your coverage requirements.
- Step 5: Select between comprehensive and third-party coverage, and add optional features if desired.
- Step 6: Complete the payment. Your policy document will be emailed to you.
KTM Insurance Add-ons
Consider these add-ons to enhance your KTM two wheeler online insurance coverage:
- Engine Protection Cover
- 24/7 Roadside Assistance
- Return-to-Invoice (RTI) Cover
- No Claim Bonus (NCB) Protection
- Passenger Assistance Cover
- Personal Accident Cover
- Consumables Cover
- Zero Depreciation Cover
Add-ons for your two wheeler insurance
How to Claim KTM Insurance Online
If your KTM bike is damaged or involved in an accident, follow these steps to file an insurance claim:
- Step 1: Contact your insurer immediately to initiate the claim process.
- Step 2: A surveyor will be assigned by the insurer to assess the damage to your bike.
- Step 3: Submit the required documents, including your ID proof, completed claim form, and policy details.
- Step 4: For cashless repairs, take your bike to an authorised KTM service centre.
- Step 5: If you choose a non-authorised repair centre, pay for the repairs upfront and later request reimbursement from your insurer.
Documents Needed for KTM Insurance Policy Claim
Keep these documents ready when filing a KTM insurance claim:
- Valid driving licence
- Filled and signed claim form
- Registration Certificate (RC) of the bike
- Photos showing the damage
- Original insurance policy document
- Repair cost estimate
- FIR or police report, if required
- Receipts for any completed repairs
- No Objection Certificate (NOC) from the financer, if applicable
KTM Insurance FAQs
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Q1. Is KTM bike insurance mandatory in India?
Ans: Yes, as per the Motor Vehicles Act, 1988, all vehicles, including KTM bikes, must have at least third-party insurance coverage. -
Q2. What types of insurance are available for KTM bikes?
Ans: KTM bike owners can choose between third-party liability insurance and comprehensive insurance, which offers broader coverage. -
Q3. How is the premium for KTM bike insurance calculated?
Ans: Premiums are determined based on factors like the bike's model, age, engine capacity, location, and the chosen coverage options. -
Q4. What is No Claim Bonus (NCB) in KTM bike insurance?
Ans: NCB is a discount on the premium awarded for each claim-free year, encouraging safe riding and reducing insurance costs over time. -
Q5. What should I do if my KTM bike insurance policy lapses?
Ans: If your policy lapses, you must try to renew it immediately to avoid legal penalties and financial risks. Some insurers may require a bike inspection before renewal.
Explore Two Wheeler Insurance
Written By: PolicyBazaar
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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Read more^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.
^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.
#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.
*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.
*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)
#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.
*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.
*Rs 457/- per annum is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial).The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively.Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
