Buy Reliance TVS Apache RTR 160 Insurance starting at just ā¹19/month*
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TVS Apache RTR 160 Insurance
The TVS Apache RTR 160 is a popular sports bike admired for its aggressive styling, responsive performance, and reliable handling. With a powerful 159.7cc engine and advanced features, itās built for both daily commutes and thrilling weekend rides. However, owning such a high-performance machine comes with responsibilitiesāchief among them is securing comprehensive TVS Apache RTR 160 insurance.
This insurance acts as a financial safety net, protecting you from unexpected expenses due to accidents, theft, or natural disasters. Whether it's minor repairs or major damages, a robust policy ensures your bike gets the care it deserves without draining your wallet. From third-party liability to full coverage with add-ons like zero depreciation and engine protection, insurance gives you peace of mind on every ride. Stay compliant with legal requirements and safeguard your investmentāchoose the right Apache RTR 160 two-wheeler insurance and ride worry-free.
IndusInd General Insurance (formerly Reliance General Insurance) provides comprehensive protection for your TVS Apache RTR 160 along with reliable 24/7 customer assistance and an extensive cashless garage network, ensuring your daily rides stay smooth, safe and stress-free.
Why Do You Need TVS Apache RTR 160 Insurance?
Compliance with Laws
Riding your TVS Apache RTR 160 without valid insurance is illegal in India. The Motor Vehicles Act mandates at least third-party TVS Apache RTR 160 bike insurance for all two-wheelers on Indian roads, ensuring you stay compliant with legal requirements.
Financial Protection
A comprehensive TVS Apache RTR 160 bike cover protects against financial losses from accidents, theft, or natural disasters. With rising repair costs and potential liabilities, having proper insurance coverage safeguards your investment and finances.
Personal Accident Cove
TVS Apache RTR 160 insurance often includes a personal accident cover for the owner-rider. This provides financial compensation in case of accidental injuries or death, ensuring added security for you and your family during unforeseen events.
Peace of Mind
With Apache 160 two-wheeler insurance, you can ride worry-free, knowing you're protected against unforeseen circumstances. The coverage ensures quick assistance during emergencies and handles repair expenses, letting you focus on enjoying your ride.
View all the important criteriaās for this plan
Comprehensive Royal Enfield Insurance
Get all-round protection for your Royal Enfield along with third-party liability coverage. This plan safeguards your bike against accidents, theft, fire, and natural calamities, while also covering legal liabilities. With extensive benefits, comprehensive insurance ensures maximum security for your premium motorcycle. Long-term policy options are also available.
Short-Term Own Damage Bike Insurance
Ideal for Royal Enfield owners who already have third-party insurance, this plan focuses solely on protecting your bike from accidental damage. It offers flexible durations starting from just 1 month*. For instance, if you ride seasonally or need coverage for a short period, this policy is a perfect fit. Itās also a cost-effective alternative to a full-year plan.
Long-Term Own Damage Bike Insurance
This plan covers your bike against accidental damage, theft, and natural disasters. Being a long-term policy, it provides 1-year coverage with easy annual renewals. For example, if your bike suffers damage in an accident, this policy helps cover repair costs. Itās a more economical choice compared to buying a new comprehensive plan every time.
Entry age for the policy
Comply with the Motor Vehicles Act 1988 with this legally mandatory coverage. It protects you from financial liabilities if your Royal Enfield causes damage to others. Our 5-year long-term third-party policy offers fixed premium rates with no revisions* and requires only a one-time payment at purchaseāmaking it simple and affordable.
Key Features of TVS Apache RTR 160 Insurance
TVS Apache RTR 160s deserve specialised protection that matches their legendary status. Thatās why owner-specific insurance is essential - offering protection against accidents and theft, along with personalised benefits and easy claims designed specifically for the riders.
Key Features | Description |
|---|---|
Starting Premiums | From ā¹19 per month* |
Coverage Offered | Comprehensive coverage (Third-party+own-damage) |
Discounts | Up to 80%* + Up to 50% No Claim Bonus* |
Cashless Claims | Zero upfront payment* (Does not include mandatory deductibles) |
Network Garages | 11,000+ authorised cashless garages* |
Claims Process | Quick claims via the Self-i app on mobile + 24-hour claim survey* for in-person inspections |
Instant Buying/Renewal | Available via the Self-i app and our website |
Add-Ons Available | 10 Add-On Covers Available* |
Personal Accident Cover | ā¹15 lakh PA cover* (optional cover) |
24/7 Customer Support | Through phone, WhatsApp and email |
Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.
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TVS Apache Bike Insurance Add-Ons
Our TVS Apache bike insurance add-ons give extra protection against many different problems and expenses. If you live in areas with more accidents or want to spend less money on repairs, these add-ons help you save more in the long run.
Nil Depreciation
Money Saver
This cover means you get the full cost of replaced parts without any depreciation deductions. This ensures maximum claim amount and complete protection during repairs.
Engine Protect
Extra Bike Protection
Your Royal Enfield engine faces costly weather damage, water problems and accidental damage regularly. This cover protects against expensive repairs that standard insurance plans don't cover properly for riders.
Consumable Cover
Money Saver
Normal insurance doesn't pay for essential repair materials like engine oil, nuts, bolts and brake fluid. This valuable cover handles all consumable costs during accident-related repairs of your Royal Enfield.
Key Replacement
Extra Bike Protection
Losing your Royal Enfield keys creates serious security risks and replacement issues for all riders. This helpful cover pays for new keys and lock changes to prevent any potential theft and security issues that losing your keys may create.
Helmet Cover
Extra Bike Protection
Your protective helmet can get stolen or damaged while riding on busy city roads daily. This cover pays for complete helmet replacement costs after accidents or theft incidents occur unexpectedly.
Tyre Protection
Extra Bike Protection
Bad road conditions regularly damage your Royal Enfield tyres and affect overall riding safety significantly. This cover handles tyre repairs, replacement and wheel balancing costs for all motorcycle riders everywhere.
Rim Protector
Extra Bike Protection
The rim damage add-on is designed to help when your bike's wheel rims are accidentally damaged, making them unfit for use. This cover pays for the repair or replacement of damaged rim(s), labour charges, wheel alignment and balancing and consumables.
Return to Invoice (RTI)
Extra Bike Protection
Get your bike's original invoice price if your bike is stolen and not found or is declared a total loss after a major accident. We will also refund one-time registration charges, road tax and insurance costs, making this cover a great addition to your bike insurance policy.
NCB Retention Cover
Money Saver
Making insurance claims usually increases your renewal costs and removes valuable discount benefits completely. This smart cover lets you claim once yearly while keeping all discount benefits intact.
EMI Protection Cover
Money Saver
Long-term garage repairs after serious accidents can strain your monthly budget with loan payments. This financial cover pays 3 EMI instalments for extended repair periods exceeding 21 days.
Hospital Cash Cover
Money Saver
You get a daily payout if you are hospitalised for over 24 hours due to injuries from an accident. The coverage kicks in when your hospital stay or admission lasts more than 7 days, and you will receive an additional amount for recovery.
Daily Allowance Cover
Money Saver
An extended garage stay for repairs leaves you without transport and extra daily travel costs. This practical cover provides daily money for alternative transportation during extended repair periods of over 2 days* in garages.
24/7 Bike Assistance
Extra Bike Protection
Breakdowns, flat tyres and lockout problems can leave you stranded anywhere unexpectedly. This 24/7 roadside assistance provides immediate help and towing services for your Royal Enfield motorcycle nationwide.
Voluntary Deductible Cover
Money Saver
If you choose a voluntary deductible (an amount you agree to pay from each claim before we cover the rest), your premium is reduced. For every claim (even for total loss), you have to pay this amount first before your insurance coverage kicks in.
E-Bike Battery Protect
EV Bike Protect
It helps cover the cost of repairs or replacement of your EV bike's battery if it is damaged by events such as power surges, water entering the engine, or accidents. A useful add-on since the battery is the most expensive part.
Electric Motor Protect
EV Bike Protect
The Electric Vehicle Electric Motor Cover provides financial support for repairs or replacement of the electric motor, differential or transmission units of your EV bike in case they get damaged due to water getting into the electric motor or oil leakage.
E-Bike Charger
EV Bike Protect
If your electric bike's charger and its parts, like cables and adapters, get damaged by things like fire, flooding, power surges or accidents, the electric vehicle charger add-on covers the expenses for the repairs or replacement of the charging unit.
Factors Affecting Two-Wheeler Insurance Premium
Type of Coverage
The insurance premium for your Royal Enfield depends largely on the coverage you select. Third-party insurance is the most affordable option but offers no protection for your bike against damage or theft. On the other hand, comprehensive insurance costs a bit more but provides extensive coverage against accidents, natural calamities, and theftāgiving your motorcycle complete protection.
Make and Model
The model of your Royal Enfield plays a big role in determining your insurance premium. Bikes like the Classic 350 are cheaper to insure compared to high-end models like the Himalayan or Continental GT, which have higher market value. Larger engine bikes such as the Interceptor 650 attract higher premiums due to costly spare parts and repairs. Essentially, the bike you own decides your yearly insurance cost.
Anti-Theft Devices
Installing approved anti-theft devices like GPS trackers, alarms, or engine immobilizers can help lower your insurance premium. These devices make your bike more secure and reduce the risk of theft, which insurers reward with discounts. Adding these safety features not only protects your bike but also cuts down your insurance costs.
Add-On Covers
Add-ons enhance your Royal Enfield insurance by offering extra protection at an additional cost. Popular options include engine protection, zero depreciation, and roadside assistance. These add-ons can save you significant expenses in case of accidental damage. Choose add-ons based on your riding habits and how you use your bike daily.
Vehicle Modifications
Any modifications to your Royal Enfieldāsuch as engine upgrades, custom paint jobs, or performance enhancementsācan increase your insurance premium. These changes raise the bikeās value, and insurers need to know about them. Always disclose modifications honestly, as hiding them could lead to claim rejection in case of an accident.
No Claim Bonus (NCB)
NCB is a reward for not making any claims during your policy term. It starts at 20% after the first claim-free year and can go up to 50% after five consecutive years*. This bonus is transferable even if you switch insurers, helping you save significantly on premiums over time. Avoiding claims whenever possible keeps your insurance costs low.
Disclaimer: The discount percentages mentioned above are subject to change based on the age of the vehicle, vehicle make and model, and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.
Please Note: To find the complete list of claims documents you can visit our motor claims page.
Insure the Best Parts of Your TVS Apache RTR 160
TVS Apache RTR 160 - Models and Prices
Model Name | Ex-Showroom Price (ā¹) |
|---|---|
Apache RTR 160 Black Edition 159.7 cc | Petrol | 1,20,420 |
Apache RTR 160 Drum 159.7 cc | Petrol | 1,21,220 |
Apache RTR 160 Disc 159.7 cc | Petrol | 1,24,720 |
Apache RTR 160 Disc Bluetooth 159.7 cc | Petrol | 1,28,020 |
Apache RTR 160 Racing Edition 160 cc | Petrol | 1,29,520 |
Key Takeaways
Getting insurance for your TVS Apache RTR 160 isnāt just smartāitās the law. As per the Motor Vehicles Act, 1988, every bike owner must have at least third-party insurance. Riding without it can lead to fines up to ā¹4,000 or even 3 months in jail.
Your Apache RTR 160 is a performance-driven machine with premium parts. IndusInd bike insurance (formerly Reliance General Insurance) helps protect your finances from accidents, theft, or natural disasters. Choose from basic third-party plans to comprehensive coverage with add-ons like engine protection.
IndusInd General Insurance makes it easy to get insured. Buy your policy online in minutes, starting at just ā¹19/day*. Enjoy cashless repairs at 11,000+ garages* across India, fast claim surveys within 24 hours, and up to 50%* NCB discounts on claim-free renewals.
Ride smart, ride protectedāchoose IndusInd General Insurance for dependable coverage every time you hit the road.
Bike insurance starting at just ā¹19 per month*
Secure Your TVS Apache RTR 160 in Minutes!
Fast online processes mean zero delays in emergencies. Plus, our 24/7 support team ensures complete peace of mind!*
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Disclaimers:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Premium: The premium mentioned is excluding taxes for the private two-wheeler model TVS Jupiter with cubic capacity of less than 110 cc for a 1 year Own Damage Insurance policy for an IDV of 34,766. Premium used is 233/year as on 1 March 2023 and then converted into a per month basis, which gives us Rs.19/month (233/12).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, and age of the vehicle.
Two-wheeler UIN: Details mentioned are for the product- Reliance Two Wheeler Package Policy, UIN-IRDAN103RP0011V02100001.
Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance (Two Wheeler). UIN- IRDAN103RP0003V01200102.
Own Damage: Details mentioned here are for the product- Reliance Two Wheeler Policy- Stand-alone Own Damage (UIN- IRDAN103RP0002V01201920).