Yo Bykes Insurance

Yo Bykes is an electric scooter brand from India known for offering budget-friendly and eco-friendly transportation solutions. These electric scooters are designed for city commuting, with a focus on reducing fuel costs and emissions. Insuring your Yo electric bike insurance is essential to safeguard against potential damages, theft, and third-party liabilities. It can help reduce the financial impact of repairs and ensure compliance with Indian traffic regulations.

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About Yo Bykes

Yo Bykes was established in 2006 by Electrotherm (India) Ltd. The company offers eco-friendly electric scooters to the Indian market. The brand’s models include Yo EXL, Yo Electron, and Yo Edge. These are tailored for short-distance travel and daily commutes. These lightweight scooters typically deliver a range of 70-80 km on a single charge and require about 6-8 hours to recharge. The company’s focus has been to deliver bikes that are easy to handle and allow for low maintenance.

Popular Yo Byke Models With Bike Insurance Price

Yo Byke Models (Registration 2024)	*Zero Dep Cover (Add-on Cover)**	*Estimated Yo Bike Insurance Price (1+5 Bundled Policy)**
Electrotherm Yo Xplor Er STD	₹ 154	₹ 2,869
Electrotherm Yo Speed STD	₹ 159	₹ 2,878
Electrotherm Yo Exl STD	₹ 241	₹ 3,094
Electrotherm Electron Er STD (149 cc)	₹ 81	₹ 4,329
Electrotherm Yo Spark STD (149 cc)	₹ 89	₹ 4,349

*Disclaimer: The cost of Yo electric bike insurance differs across providers and depends on several factors. These include the scooter’s registration year, location, Insured Declared Value (IDV), chosen add-ons, and specific details such as the model, variant, and ex-showroom price.

Yo Electric Byke Insurance Calculator

To get an accurate estimate for Yo electric bike insurance, you can use an online bike insurance calculator on Policybazaar.com. This tool helps determine the premium based on essential details such as:

The model and variant of your Yo electric bike
Year of registration and RTO location
The scooter's ex-showroom price
Any previous insurance claim history, if relevant

Coverage Under Yo Byke Insurance

Inclusions
Exclusions

Yo scooter insurance offers various protections, with some exclusions to keep in mind:

Covers damage to your Yo Byke and third-party property
Compensation for theft or total loss of the scooter
Protection from natural events like floods, storms, and other calamities
Coverage for damages caused by fire or explosions
Accidental damage coverage from collisions
Coverage for specific incidents such as riots or vandalism

The Zontes bike insurance policy does not cover the following conditions:

Does not cover incidents involving negligence, intentional damage, or war
Excludes claims if under the influence of alcohol or drugs
Routine maintenance, wear and tear, and breakdowns are not covered
Incidents involving invalid licences or incorrect registration details are excluded
Coverage ceases if the policy has expired
Incidents outside the policy’s specified coverage area are not included

*Disclaimer: Review your policy terms and conditions carefully to understand the full scope of coverage and exclusions for Yo scooter insurance.

How to Buy/Renew Yo Electric Bike Insurance Online?

If you are planning to buy or renew Yo scooter insurance online, here are some easy steps to follow:

Step 1: Go to the Policybazaar website and find the ‘Bike Insurance’ section.
Step 2: For renewal, input your Yo Byke's registration number. If buying new insurance, select ‘Bought a New Bike’.
Step 3: Enter all required details accurately.
Step 4: Review and compare the insurance quotes available to find the best option.
Step 5: Pick a comprehensive or third-party plan and add any optional covers you prefer.
Step 6: Make the payment online, and your policy document will be emailed to you.

Yo Scooter Insurance Add-ons

To enhance Yo scooter insurance, you can pick from these add-ons:

24/7 Roadside Assistance
Zero Depreciation Cover
Passenger Assistance Cover
Personal Accident Cover
Engine Protection Cover
Consumables Cover
Return-to-Invoice (RTI) Cover
No Claim Bonus (NCB) Protection

Add-ons for your two wheeler insurance

How to Claim Yo Bike Insurance Online?

To claim Yo electric bike insurance online, you can follow the below-mentioned steps:

Step 1: Immediately notify your insurer after an accident or any damage to your Yo Byke.
Step 2: The insurer will assign a surveyor to assess the condition of your scooter.
Step 3: The surveyor will provide a report to the insurer detailing the damage.
Step 4: Submit the required documents, including ID proof, the claim form, and your policy details.
Step 5: Once approved, take your scooter to an authorised service centre for cashless repairs.
Step 6: If you used a non-authorised garage, cover the repair costs yourself and apply for reimbursement afterwards.

Documents Needed to File Yo Bike Insurance Claims

Keep the below documents ready for Yo scooter insurance claims:

Valid driving licence
Original insurance policy document
Bike’s Registration Certificate (RC)
Filled and signed claim form
Photos showing the damage
FIR or police report, if applicable
Repair cost estimate
Receipts for any repairs already done
No Objection Certificate (NOC) from the financier, if required

Yo Scooter Insurance FAQs

Q1. What is the company name of Yo bike?

Ans: Yo bikes are manufactured by Electrotherm (India) Ltd.
Q2. What is the top speed of the Yo bike?

Ans: The top speed of Yo bikes is typically 25 km/h. The maximum range of these bikes can go up to 70 km with maximum charge.
Q3. When was the Yo bike launched?

Ans: The first Yo bikes were launched in India in 2006, marking Electrotherm’s entry into the electric vehicle market.
Q4. Can we claim insurance for a Yo electric scooter?

Ans: Yes, you can claim insurance for a Yo electric scooter, provided the claim falls under the coverage terms of your policy. This may include claims for accidental damage, theft, or loss due to natural disasters, depending on the policy type (comprehensive or third-party).
Q5. Does Yo electric bike insurance cover battery replacement?

Ans: Standard Yo bike insurance typically does not cover battery replacement, but some insurers may offer it as an add-on.

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Written By: PolicyBazaar

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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