Honda Activa Insurance

Purchasing or renewing a bike insurance policy online with Tata AIG is simple and hassle-free, thanks to digitalisation. We aim to provide customer satisfaction through our service and ease of doing business at the top of the list. Our user-friendly website lets you compare, buy, renew, initiate claims, and make payments safely.

To purchase or renew your Activa two-wheeler insurance online, follow the below easy steps:**

• Step 1: Visit Tata AIG's official website. Under the 'All product' tab, select 'Bike Insurance'.

• Step 2: This will lead you to the two-wheeler insurance policy page.

• Step 3: Enter your bike's registration number.

• Step 4: If you are a new customer buying insurance for a 2-wheeler for the first time, click the 'Get Price' button. Alternatively, click the Renew button to renew your existing Honda Activa insurance.

• Step 5: Next, you will be led to a page displaying a form on the screen. You must enter all the personal details like your name, contact details, identity and KYC details, etc.

• Step 6: You must also enter your bike-related details, like the model and variant and mention an appropriate Insured Declared Value (IDV) for your bike. IDV is an essential factor that determines the premium amount. It signifies the current market value of your Activa and hence must be chosen wisely. The higher the IDV, the higher the premium and vice versa.

• Step 7: Next, mention the claim history if you renew your policy. Your previous claims also have an impact on your premium. Moreover, you will be eligible for a 'No Claim Bonus' if you have had a claim-free year. An NCB is like a discount given on the premium for every claim-free year.

• Step 8: If you wish to enhance your coverage or customise your plan, you can do so by adding riders. Tata AIG offers seven riders, including zero depreciation cover, consumables cover, return-to-invoice cover etc. However, it must be noted that the addition of riders to your base plan comes at a cost. Hence, choose the riders carefully depending on the requirement and price.

• Step 9: Your Activa insurance price list and sum insured will be displayed on your screen.

• Step 10: If you agree, select the plan and pay online.

• Step 11: After successful payment, you will receive your policy documents and other details on your registered email address or Whatsapp number.

Premium is one of the crucial aspects we consider before purchasing or renewing a two-wheeler policy. Although it is not the only factor, it is undoubtedly vital.

Choosing the right insurance for 2-wheelers can be challenging, especially for individuals with limited knowledge about insurance or are the first time. Hence, the best way to shortlist a plan is to consider its cost-benefit balance.

You can calculate your Honda Activa insurance cost, as well as Honda Activa insurance renewal price, using our bike insurance calculator or get help from our dedicated and experienced 24x7 customer service team.

This straightforward online tool displays estimated results in just a few seconds. Also, Activa insurance price list amounts vary from one individual to another. Hence this tool gives you a fair idea of how much you need to pay.

So, what factors affect your Honda Activa insurance cost or premium? Let's take a look.

• The type of plan selected (comprehensive, third-party, standalone)

• Make and model your vehicle

• Engine type and cubic capacity

• No claim bonus discount (if applicable, for comprehensive insurance policies)

• The geographical location of your two-wheeler

• Age of your vehicle (to understand the condition)

• Age of the insured and driving record

• Whether any modifications are done or additional devices added

• Riders added

Besides the above mentioned factors, another crucial factor that will determine Activa's insurance renewal price is the Insured Declared Value (IDV). Suppose your insured two-wheeler suffers an irreparable loss, a total loss or is stolen; the insurance provider will pay the amount equal to the IDV. This amount is the current market value of your vehicle, and you must mention it while purchasing or renewing the policy.

It must be noted that a higher IDV will attract a higher premium as it means the insurer will have to pay a higher amount in case of a total loss. Moreover, the IDV of any vehicle decreases with time. Hence, the IDV mentioned in the previous year is typically more than the IDV to be mentioned in the current year's renewal.

Comprehensive bike insurance typically comes at a higher price than third-party or standalone cover due to its extensive coverage. However, it is recommended to opt for comprehensive coverage from a reputed provider like Tata AIG, which offers all-around coverage at the best rates.

Adding a rider to your base plan can enhance your comprehensive coverage. We offer 7 rider plans, as discussed below.

1. Zero Depreciation or Depreciation allowance: Typically, depreciation is deducted from the claim amount at the time of claim settlement. With zero depreciation cover or depreciation allowance rider, the total cost of repairing or replacing damaged parts will be reimbursed without depreciation deduction.

2. Return-to-Invoice cover: Return-to-invoice rider covers the difference between the Insured Declared Value (IDV) mentioned at the time of purchase or renewal of the policy and the invoice value of the bike. This rider is applicable mainly in case of total loss.

3. Emergency Medical Support: The rider covers medical expenses, and ambulance costs suffered in case of an accident during the policy term up to a specific limit.

4. Additional Personal Accident Cover for the Owner-Driver: Under this rider, the owner-rider of the bike gets an additional personal accident cover of up to ₹15 lakhs.

5. Additional Third-Party Property Damage Cover: Third-party liability insurance is mandatory and part of comprehensive overage. With this rider, you get additional third-party property damage over.

6. Consumables Expenses: This rider plan covers the cost of consumable items such as oil, nuts and bolts etc., incurred while replacing or repairing the bike after an accident. It helps you to reduce out-of-pocket expenses.

7. Roadside Assistance: With Tata AIG's roadside assistance rider, you get immediate 24X7 breakdown assistance. You can also avail an on-the-spot repair facility to help you continue your journey smoothly. Our roadside assistance includes towing to the nearest garage, fuel delivery, battery jump-start etc.

Two-wheelers are one of the most preferred modes of transport, especially for covering shorter distances or commuting within a city or place with limited public transport facilities or extreme traffic conditions. However, with these conveniences, there are certain risks attached. Your Honda Activa is no less prone to these standard risks. Also, looking at the rise in accidents and poor road conditions, the Motor Vehicles Act 1988 requires third-party insurance for your bike to be eligible to run on the roads.

But, with several insurance players in the market, choosing the right one can be daunting since choosing a trusted brand that offers comprehensive coverage and other facilities at an affordable price is the best. Tata AIG checks all these boxes, making us one of the country's most preferred bike insurance providers.

• Brand: We have more than 20 years of experience in the insurance industry, making us one of the most reliable brands. With our customer-centric approach and seamless services to enhance customer satisfaction, we have acquired the trust of more than 5 crore people in the country.

• Comprehensive coverage: To ensure that we fulfil all the needs of our customers, we have designed a comprehensive plan. This plan gives holistic coverage and the liberty to customise it further, depending on your need.

• Affordability: Extensive coverage need not necessarily mean burning a hole in your pocket. Our plans are affordable and give you value for money.

• Team of professionals: With over 650 in-house claim experts and a dedicated 24X7 support team, you can be assured that we are ready to resolve any issue arising from your insurance for 2-wheelers with a quick turnaround time. This reinstates the fact that we place customer satisfaction as a priority.

• High CSR: A high Claim Settlement Ratio (CSR) of 98% for the financial year 2020-21 makes us trustworthy and dependable. Additionally, you can experience a 3-step insurance claim initiation process for a quick and easy claim settlement.

• Network of garages: When you purchase a bike insurance policy from Tata AIG, you can access our extensive network of garages. We have more than 5000 garages located nationwide for a quick cashless claim facility.

• Online facility: Not just buy or renew your insurance, with Tata AIG, you can also compare two-wheeler insurance policies online. This comparison makes it easier to choose a plan. Moreover, you can also initiate claims online, making the entire process hassle-free, paperless and swift. There are various other tools that you can use online, like the bike insurance calculator, claim tracking, policy editing etc.

Very rarely does a two-wheeler capture our hearts like Activa has. Over the years, the brand has made a special place from merely being used as a utility vehicle to a more emotional connection. Being around for more than two decades and still going strong is a testament to what Activa is for the nation. A lot has changed over the years, but Activa remains the favourite of every Indian family.

Honda Activa launched its 6th generation scooter Honda Activa 6G, in 2020. On January 23, 2023, Honda Motorcycle & Scooter India (HMSI) launched a new 'Smart' variant of the brand. Let us look at some of the features of Activa 6G.

• This newer version is bigger than the 5G model, giving it an increased wheelbase and a more extended, spacious seat.

• The 6G model shows no major design transformation, just a slight visual tweak with chrome and a revised fascia design.

• It has a combined braking system of both wheels, telescopic front suspension and programmed fuel injection.

• The scooter also has a multi-ignition key with remote seat hatch operation, engine start-stop, and an external fluid filler lid. The Smart Key variant offers the keyless operation, allowing access to various functions like handlebar lock/unlock, under-seat storage, and fuel lid opening. You can also locate the scooter in the parking lot using this function.

• The 6G scooter comes in two variants – the standard variant and the deluxe variant. The company has recently launched the Activa 6G H-Smart variant. Honda Activa 6G is available in six colours - blue, red, yellow, black, white and grey.

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