Honda Activa insurance starting at just ₹19/month*
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Up to 80% Online Discounts*
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11,000+ Network Garages
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AI-Assisted Claims via App
Honda Activa Insurance
Honda Activa scooters are designed to have a family-friendly appeal, so that every family member can ride them. They're also known for their reliable engines, fuel efficiency and ease of use, making them a fantastic choice for office-goers, college students and first-time drivers. But despite their strong reputation and durability, Honda Activa scooters still need protection from unexpected damage.
For example, say you're driving through a waterlogged street and hit a pothole, it could lead to bent wheel rims or out-of-alignment suspension, meaning costly repairs. With a bike insurance policy, these repair costs would be covered, saving you thousands of rupees.
And that’s where IndusInd bike insurance (formerly Reliance bike insurance) comes in handy. We offer quick claims services through the app, allowing you to easily file claims, whether you're stuck in city traffic or making a short trip down to the grocery store. Our customer-friendly policies ensure your family gets reliable protection for their trusted Honda Activa scooter!
IndusInd General Insurance (formerly Reliance General Insurance) provides comprehensive protection for your Honda Activa along with reliable 24/7 customer assistance and an extensive cashless garage network, ensuring your daily rides stay smooth, safe and stress-free.
Get Up to 5 Years Coverage
Buy once and get covered for 5 years
Up to 15+ Add-On Covers Available
Extend your scooter's coverage
Video Claims Feature on Mobile
File claims on your mobile via our app
Instantly Renew via Mobile
Just tap, pay and renew your policy!
Why Buy Honda Activa Insurance?
Legal Mandate for All Owners
All scooter owners in India are required to have at least third-party bike insurance. If you’re caught riding your Activa without valid bike insurance, you’ll be fined ₹2,000 - ₹4,000 by the traffic police. And in more extreme cases, it could also lead to 3 months of imprisonment, so it’s best to insure your Honda Activa soon after purchase.
Covers Repair Costs
Like most scooters, the Activa has smaller wheels, which can result in stability issues when riding on poor city roads filled with potholes. This can require frequent repairs, such as front fork or suspension replacement, if you hit a particularly bad pothole, which can get expensive without bike insurance coverage.
Covers Scooter Theft
Major cities like Delhi, Chennai, and Bangalore report high rates of theft, and the Honda Activa is the second most targeted model. With prices starting at ₹83,000*, having bike insurance ensures you won’t take the financial hit if your scooter is stolen. Your policy ensures you’re paid your scooter’s IDV amount if this ever happens.
Covers Natural Disasters like Floods
Activa scooters weigh around 106 kg*, making them easier to use but also more likely to get swept away or toppled in strong flood currents. This can lead to engine damage and rust formation if your scooter is submerged, causing more damage. But with bike insurance, damage from natural disasters like floods is covered.
Covers Damage from Fires
Given the lack of parking spaces in big cities, scooters are either parked on the road or in tight, open spaces. Now, if a fire broke out or a short circuit were to happen, it could spread quickly, leading to irreparable damage to your scooter, which is why it’s important to have bike insurance coverage. With it, you’re covered for any fire or fire-related damage.
Network Garages & Genuine Spare Parts
Did you know that nearly 20% of all road accidents result from counterfeit parts? While getting parts for Honda Activa scooters is easy, it’s hard to know where most garages source their parts. With IndusInd bike insurance, you won’t ever face this issue. Our network garages only use genuine parts to ensure you get easy access to high-quality repairs.
Types of Honda Activa Insurance Plans
Comprehensive Bike Insurance
This is a full-coverage plan that protects your scooter from damage and covers damage caused to others. E.g., Let’s say you’re on your way home, and you accidentally hit another person’s bike, damaging your scooter and their bike. This policy can help cover your scooter’s repair costs and the compensation amount you would need to pay to the other person for damaging their bike.
Third-Party Bike Insurance
This plan covers damage to another person’s vehicle or property, or injury caused to another person in an accident. It’s the most affordable type of plan and is mandatory under Indian motor laws. But this plan will not cover your scooter if it’s damaged. So if you do want a plan that will cover your scooter’s repair costs, you can get a comprehensive plan or pair this plan with an own damage bike cover.
Short Term Own Damage Bike Insurance
This plan offers an affordable way to cover your Activa against accidents, natural disasters and theft. It is perfect if you already have third-party insurance that’s valid for a couple of months and just want to protect your vehicle from damage. For example, if your third-party policy is valid for six months, you can get an SAOD plan to cover your vehicle for those six months to keep it protected.
Long Term Own Damage Bike Insurance
This plan covers your vehicle if it gets damaged in an accident, stolen or damaged by floods or storms. You get essential OD coverage that you can pair with your yearly or long-term third-party policy. So, if you have a 1-year TP plan, you can get a 1-year SAOD plan to pair with your existing policy.
Key Features of IndusInd Activa Insurance
IndusInd Honda Activa insurance combines comprehensive protection with modern digital features to keep your scooter safe on busy Indian roads.
Key Features | Descriptions |
|---|---|
Starting Premiums | From ₹19 per month* |
Coverage Offered | Own Damage + Third-Party (Available separately or bundled together) |
Discounts | Up to 80%* + Up to 50% No Claim Bonus* |
Cashless Claims | Zero upfront payment* (Does not include mandatory deductibles and co-payments) |
Network Garages | 11,000+ authorised cashless garages |
Smartphone-Enabled Claims Process | Quick claims via the app + 24-hour claim survey* for in-person inspections |
Instant Buying/Renewal | Available via the app and our website |
Add-Ons Available | 14+ Add-On Covers Available* |
Personal Accident Cover | ₹15 lakh PA cover* (Available as an additional cover) |
24/7 Customer Support | Through phone, WhatsApp and email |
Disclaimer: Please refer to the official policy documents for detailed information.
What's Covered
Accident Damage - Covers your two wheeler's repair costs for damage caused by road accidents, crashes and collisions.
Third-Party Liability - Injury or property damage caused to others.
Natural Disasters - Covers damage due to earthquake, flood, cyclone, lightning and heavy rain.
Theft Protection - Full reimbursement for a stolen vehicle or its parts.
Fire and Explosion - Protection against fire due to electrical faults, fuel leaks or external sources.
Transit Coverage - Protection during vehicle transport by road, rail, air or lift.
What's Not Covered
Wear & Tear and Depreciation: We cover all repair costs, except those arising from wear and tear and the natural degradation of parts that occur with regular use.
Accessories: You're fully covered for factory-fitted accessories under the base plan. However, any electrical and non-electrical accessories fitted to your bike after purchase require add-on coverage.
Law Violations and Outside Coverage Zone: You're fully covered for accident-related claims except for ones arising out of law violations or damage occurring to your bike outside of India's borders.
Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.
Need Help Choosing a Bike Insurance Plan?
Talk to Our Expert Advisors
Honda Activa Bike Insurance Add-Ons
Our bike insurance add-ons protect against depreciation deductions, engine repairs, and so much more to offer comprehensive scooter protection for your Activa. So if you find that you need extra protection in case you live in an accident-prone zone or just want to minimise your out-of-pocket expenses, our add-ons are the way to go.
Nil Depreciation
Extra Scooter Protection
Provides full claim amount for plastic, rubber and fibre parts without any depreciation deduction during repairs. It ensures maximum coverage for replacement parts affected by wear and tear.
Engine Protector
Extra Scooter Protection
Protects against costly engine repairs from weather, water or accidental damage. It covers engine damage from oil leakage, water ingress, hydro lock and mechanical failures not covered in the standard policy.
Consumable Cover
Money Saver
Covers the cost of replacing engine oil, nuts, bolts, brake fluid and similar materials during repairs not included in the standard policy. Saves from hefty out-of-pocket costs for items comprising nearly 40% of repair bills.
Key Replacement
Extra Scooter Protection
Covers key replacement costs and lockset changes if you lose your scooter’s keys, reducing the chances of theft and other security risks. It will cover costs up to 1% of the claim amount or ₹500, whichever is higher*
Helmet Cover
Extra Scooter Protection
Reimburses helmet replacement costs if your helmet is stolen or damaged in an accident involving your scooter. This is a useful add-on, as bike and scooter helmets can be quite expensive.
Tyre Protection
Extra Scooter Protection
Covers repairs/replacement of burst, bulged or cut tyres due to poor road conditions. It also covers labour and wheel balancing costs. Note that all claims must be made within 3 working days to be admissible.
NCB Retention Cover
Money Saver
This add-on allows you to file one claim per year while retaining your NCB discount. It protects your accumulated benefits, ensuring you get discounted renewal premiums despite making a claim.
EMI Protection Cover
Money Saver
Pays up to 3 loan EMIs if scooter repairs exceed 21, 42 or 63 days* in the garage due to accidental damage. This can help ensure you keep up with loan payments despite your scooter undergoing extended repairs.
Daily Allowance Cover
Money Saver
You receive a fixed daily amount for alternative transport if scooter repairs due to accidental damage exceed 2 days. It provides financial support for travel expenses while your Activa is under repair.
Two Wheeler Assistance
Extra Scooter Protection
Provides help for breakdowns, flat tyres, fuel delivery and lockout situations with towing and on-site repairs. This cover ensures roadside assistance is always available when you need emergency support.
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.
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.
Return to Invoice (RTI)
Money Saver
Get your Activa'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.
Rim Protector
Extra Scooter Protection
The rim damage add-on is designed to help when your scooter'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.
E-Scooter Battery Protect
Extra Scooter Protection
It helps cover the cost of repairs or replacement of your scooter'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 Scooter Protection
The Electric Vehicle Electric Motor Cover provides financial support for repairs or replacement of the electric motor, differential or transmission units of your EV scooter in case they get damaged due to water getting into the electric motor or oil leakage.
E-Scooter Charger
EV Scooter Protection
If your electric scooter'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.
Up to 80% Discount*
Quick Claims on Mobile
11,000+ Cashless Garages
Factors Affecting Two-Wheeler Insurance Premium
Multiple factors determine your Honda Activa insurance premiums, from vehicle specifications and how much your scooter costs to the type of bike insurance coverage you choose.
Type of Coverage
Third-party plans offer basic coverage with lower costs, and comprehensive plans offer more coverage, at a slightly higher premium. But while comprehensive plans might seem more expensive, they can help save you money in the long run as they help cover your repair costs, instead of having you pay out of pocket.
Make and Model
Premium rates vary based on your scooter's brand, model and market value. Honda Activa engines usually fall within the 75-150 cc IRDAI bracket, attracting slightly higher premiums than smaller engines.
Vehicle Modifications
Any changes to your Activa's original specifications can increase insurance premiums. Modified vehicles may pose higher risks and may require additional coverage for non-standard parts.
Add-On Covers
Optional covers like zero depreciation, engine protection and key protection can increase your overall premium. That's why it's important to only choose add-ons that you actually need based on how you use your scooter. That way, you still get comprehensive coverage without exceeding your budget.
Anti-Theft Devices
Installing approved anti-theft systems can reduce your premium through safety discounts. We offer a 2.5% discount* for vehicles equipped with these enhanced security features.
No Claim Bonus (NCB)
Claim-free years earn you No Claim Bonus discounts up to 50%* on renewal premiums. This reward system encourages safe riding and reduces long-term insurance costs.
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.
Step 1
Notify us about the incident to initiate the cashless claim process. You can register your claim using +91 22 4890 3009 or log into your mobile app account.
Step 2
Visit a network garage for vehicle inspection, damage assessment and repairs evaluation. Find your nearest network garage by using the garage locator below.
Step 3
You could also use the mobile app's video claims feature to conduct a self-inspection. Just tap "Self Inspection" to begin.
Step 4
Submit documents like the claim form, ID proof, insurance and vehicle-related documents (driver's licence, RC book, PUC certificate, etc.).
Step 5
Get repairs done at the network garage and have the expenses covered by us.
Step 1
Notify us immediately after the incident to begin the claim process. You can do this via phone 022-48903009 (Paid) or online on our website.
Step 2
Choose any garage for vehicle repair and retain the original invoice and receipts.
Step 3
Pay for the repair upfront and collect all payment receipts for submission to the insurer.
Step 4
Submit the claim form along with invoices, receipts and necessary supporting documents.
Step 5
Receive reimbursement for the repair costs after claim approval from us.
Please Note: To find the complete list of claims documents you can visit our motor claims page.
Insure the Best Parts of Your Honda Activa
Honda Activa - Models and Prices
Model | | Price (Ex-showroom) |
|---|---|---|
Activa 6G | 109.51 cc | ₹83,850 |
Activa 125 | 123.92 cc | ₹98,028 |
Activa 7G (upcoming) | 110 cc | ₹80,000-₹90,000 |
Disclaimer: The prices mentioned are subject to change based on your city of residence, bike model, variant, year of purchase and the dealership you are buying your scooter from. The prices mentioned above have been taken from this source.
Key Takeaways
Honda Activa insurance provides complete protection for India's most trusted scooter against accidents, fire, natural disasters and theft. The coverage keeps your daily ride safe while meeting all legal requirements for road use.
With IndusInd General Insurance (formerly Reliance General Insurance), you get affordable plans starting at just ₹19 per month*, making quality protection affordable for every rider. Our online buying process makes getting insured seamless, while our 24/7 customer support ensures help is always available when you need it most.
You also get access to our extensive network of 11,000+ authorised garages that offer cashless repairs nationwide, so you never pay upfront* for covered damages. The innovative App lets you file claims instantly using video streaming technology, eliminating paperwork and speeding up settlements.
What's more? – You can also save more by buying your Honda Activa insurance online! We offer up to 80% off* for online purchases, up to a 50% No Claim Bonus* discount, 5% off* for being a member of a recognised automobile association and a 2.5% discount* for installing anti-theft devices. So, what are you waiting for? – Insure your Activa today with IndusInd General Insurance (formerly Reliance General Insurance) for trusted coverage!
Bike insurance starting at just ₹19 per month*!
Secure Your Honda Activa in Minutes!
With us, you can expect near-instant online processes, so you're never left hanging in the event of an emergency. We also have a 24/7 dedicated customer support team that ensures we follow through on this promise!
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