Yamaha Bike Insurance

Yamaha is well known worldwide for crafting premium bikes that tend to justify their price points with their excellent performance. For example, Yamaha has forged a niche for the modern 1000cc supersport motorcycle internationally by developing the original YZF-R1. This has a massive 1000cc motor in a chassis the size of a 600cc bike. It was also a pioneer in chasing usable power rather than headlining peak power figures when it switched the R1’s firing order with the cross-plane crankshaft.

Yamaha shot to prominence in India in the mid-1980s with the Rajdoot/Yamaha RD350, which offered great performance for bikes at the time. The high cost of owning this bike meant not too many could afford it, so Yamaha also added the RX100 to its list of offerings, which became the working man’s hero.

Today, Yamaha has re-established itself as a sporty, youth-centric two-wheeler manufacturer with a product overhaul that started in 2006 with the Gladiator Type SS and RS, followed by the introduction of the YZF-R15 that once again established it as a manufacturer of sporty bikes.

It hit the nail on the head with the FZ16, a 150cc commuter bike that showed ‘commuter’ and ‘sporty’ didn’t have to be mutually exclusive traits when it came to bikes.

Yamaha has decided to position itself as a youthful, sporty two-wheeler manufacturer in the Indian market. It is trying to echo the success it saw three decades ago. As such, it only carries models with engine displacements of 125cc and up. The Fascino is a stylish scooter that offers all the goodness of Italian heritage combined with Japanese reliability and efficiency - at an affordable price.

In the 150cc motorcycle segment, Yamaha’s FZ is still going strong, although the competition has caught up and sometimes exceeded what it offers. The MT15 and YZF-R15 are at the sharp end of the 150cc market, with liquid cooling, six-speed gearboxes, and four-valve heads. The R15 even offers variable valve timing. The FZ25 is an old-school bike that offers the low ownership cost of a commuter product, but with the extra oomph that its 250cc motor provides.

Yamaha was also the first manufacturer in India to offer an all-digital instrument cluster with the FZ16. With the exception of the Fascino, the company offers all-digital instrument clusters for its products.

The YZF-R15 offers dual-channel ABS, which is unique in its segment. It also offers variable valve timing in its four-valve, liquid-cooled engine, which is something you will not find in two-wheeled products that cost three times as much. It is one of the few Indian manufacturers that offers a front disc brake across its range.

While third-party Yamaha insurance is mandatory by law, it is best to get comprehensive coverage for all-round protection for your bike. Here are some add-ons you must have to get comprehensive coverage for your Yamaha motorcycle:

Depreciation allowance: We will pay you the sticker price of the parts that need replacement, not their depreciated value.
Return to invoice: In the case of total loss or theft, you will be paid the difference between the amount you are eligible for and the invoice value of your Yamaha bike.
Consumable expenses: We will cover the expenses of consumables such as engine oil, grease, washers, filters, brake fluid, except for fuel.
Additional personal accident cover for owner/driver: Riding a motorcycle on roads can be risky, so you can opt for more coverage for the owner/rider of your bike for a small increase in your Yamaha bike insurance premium.
Additional personal accident cover to unnamed persons: This cover provides protection to anyone riding your Yamaha bike, including pillions.
With a name like TATA behind your Yamaha bike insurance, you don’t need to worry about a thing should you ever need to make an insurance claim.

Since Yamaha engines are 125cc and up and at the premium end of their respective segments, their RTO charges typically appear to be higher. Please check with your nearest Yamaha dealer for the exact RTO charges for the specific model and variant under consideration.

The Fascino doesn’t have anything quite like itself at its price point. Honda Dio and Hero Pleasure+ are stylish but are older generation scooters with lower displacement engines. The Ray ZR has significant competition; the 125cc scooter segment is full of players with sporty looks. Included in this list are Suzuki Burgman Street, TVS Ntorq 125, Honda Grazia - and if budget is not a constraint, you can count the Aprilia SR 125 as well.

The 150cc FZ series has strong competition, mostly from the Honda XBlade. There’s also the TVS Apache RTR 160 4V, Hero Xtreme 160R, Bajaj Pulsar NS160, and Suzuki Gixxer to choose from. The 250cc FZ25 has varied competition, beginning with the Suzuki Gixxer 250, the Bajaj Dominar 250, and even a couple of 200cc sporty commuters like the TVS Apache RTR 200 4V and Bajaj Pulsar NS200. A new entrant into this price range from Honda is the Hornet 2.0, a 180cc full-featured commuter that encourages you to upgrade from the 150-160cc commuter segment.

The MT 15’s only true competition is the KTM 125 Duke, which has a similar set of features, offers premium technology, and churns out similar levels of performance.

When you choose a bike, it’s best to #ThinkAhead and pick a variant that suits both yours and your family’s needs. Similarly, it’s important that you put as much consideration towards your Yamaha insurance so that you and your family are protected from any financial liabilities.