150cc Bike Insurance: Pulsar, Apache, Gixxer Cover 2026
What Is the 150cc Bike Segment
The 150cc segment is dominated by sport-commuter bikes. These deliver 18 to 22 hp and 100 to 130 km per hour top speed. Insurance pricing is moderate. The right stack covers daily commute plus occasional highway rides.
150cc bikes see harder use than 100cc commuters. Riders push them harder, take them on highways, and use them for weekend rides. The cover must reflect this with Zero Depreciation, Engine Protect, and Roadside Assistance.
Popular Bikes in This Segment
- Bajaj Pulsar 150 - Streetfighter style, popular in metros.
- TVS Apache RTR 160 - Sport commuter with track-day appeal.
- Suzuki Gixxer 155 - Refined ride, good for highway.
- Yamaha FZ-S 150 - Premium streetfighter style.
- Hero Xtreme 160R - Recent Hero offering in this segment.
Why the 150cc Bike Segment Needs Specific Cover
150cc bikes face higher accident severity than 100cc commuters due to higher top speed. The riders also tend to be younger and more willing to ride aggressively. The right stack covers own-damage, engine, and PA in a balanced way.
This segment has its own risk profile, spare-part cost, and rider behaviour pattern. A one-size policy will either over-pay or under-cover the rider.
What Cover Suits the 150cc Bike Segment
Comprehensive plus Zero Depreciation plus Engine Protect plus RSA is the optimal stack for 150cc bikes under 5 years. Personal Accident top-up to Rs 25 lakh is recommended. Total annual cost lands at Rs 2,800 to Rs 4,800.
- Comprehensive Cover - Skip third-party only.
- Zero Depreciation if under 5 years - Plastic and paint replacement.
- Engine Protect for monsoon cities - Hydrostatic lock protection.
- Roadside Assistance - Towing and on-spot mechanic.
- Personal Accident Top-Up - Raise PA to Rs 25 lakh.
Comprehensive + Zero Depreciation + Engine Protect is the optimal stack for 150cc bike riders. Premium lands at Rs 2,800 to Rs 4,800.
150cc Bike Premium Bands
Two-wheeler premiums depend on cc, age, RTO zone, IDV, and add-on choices. Below are typical 1-year premium ranges as of 2026:
| Bike Type | Third-Party | Comprehensive | With Add-Ons |
|---|---|---|---|
| 150cc Bike variant 1 | Rs 752 | Rs 1,800 | Rs 2,800 |
| 150cc Bike variant 2 | Rs 752 | Rs 1,800 to Rs 3,200 | Rs 2,800 to Rs 4,800 |
| 150cc Bike variant 3 (top trim) | Rs 752 | Rs 3,200 | Rs 4,800 |
| Third-party only minimum | Rs 752 | Not opted | Not opted |
Actual premium depends on your bike, RTO, and add-on stack. Get an exact quote at hizuno.com/bike-insurance.
How to Buy Insurance for 150cc Bike Bikes
- Open the 150cc bike flow - Visit hizuno.com/bike-insurance and start the 150cc bike journey by entering your bike number or chassis number.
- Verify bike and owner details - VAHAN pulls registration date, fuel type, make and model. Confirm the owner name, mobile, and email.
- Pick cover and add-ons - Choose third-party or comprehensive. Stack relevant add-ons such as Zero Depreciation, Engine Protect, Roadside Assistance, or Consumables.
- Set IDV and review premium - IDV slider sets the insured value. Review the final premium and the policy wording before paying.
- Pay and download policy - Pay using UPI, card, or netbanking. The policy PDF and the soft copy land in your inbox within minutes.
City and State Nuances for Bike Insurance
Two-wheeler premiums vary sharply by city. Higher theft zones, monsoon-flood cities, and dense-traffic metros push base premium up. Use the table to plan your add-on stack:
| City | Premium Adjustment | Recommended Add-On |
|---|---|---|
| Mumbai | +12% (monsoon + theft zone) | Engine Protect, RSA |
| Delhi NCR | +8% (high traffic, theft) | Roadside Assistance, Helmet Cover |
| Bangalore | +6% (traffic + tech-hub theft) | RSA, Consumables |
| Chennai | +10% (cyclone + monsoon) | Engine Protect, Consumables |
| Hyderabad | +4% (best metro RTO) | Zero Dep, RSA |
| Pune | +5% (Maharashtra base) | Zero Dep, Engine Protect |
| Kolkata | +9% (flood + tram density) | Engine Protect, RSA |
| Ahmedabad | +3% (low loss ratio) | Zero Dep, NCB Protect |
| Jaipur | +2% (desert dust) | Consumables, Engine Protect |
| Kochi | +11% (highest monsoon load) | Engine Protect mandatory |
Mumbai, Chennai, Kochi, and Kolkata are the four cities where Engine Protect pays back in the first monsoon. Bangalore and Delhi NCR riders should pick Roadside Assistance for traffic-zone breakdowns. Pune and Hyderabad RTOs offer the lowest two-wheeler base premiums in India.
Common Mistakes Indian Bike Owners Make
Letting your bike policy lapse by even a single day. You lose the entire No Claim Bonus (up to 50%) and the bike must clear a fresh inspection before the new policy starts.
- Skipping engine protect in monsoon cities - Mumbai, Chennai, Kochi, Kolkata bikes lose engine warranty cover the moment water enters the air intake. Add this for under Rs 500 a year.
- Picking lowest IDV to cut premium - Underinsuring your bike saves Rs 200 to Rs 400 today but cuts your theft and total-loss claim payout sharply.
- Forgetting to declare add-on parts - Aftermarket exhaust, top-box, or accessories are excluded unless declared at policy start.
- Renewing one day after expiry - Even a 1-day lapse forfeits the No Claim Bonus and triggers fresh inspection at the network garage.
- Choosing third-party only for a new bike - Third-Party covers nothing on your own bike. A pothole fall or theft becomes an out-of-pocket cost.
Pro Tips to Save on Bike Insurance
- Bundle Engine Protect and Zero Depreciation for under Rs 1,200 - These two add-ons together pay back the moment you face a single monsoon claim.
- Renew 30 days before expiry - Carrying over NCB without lapse is the cheapest way to stay protected and keep the discount.
- Compare third-party and comprehensive premium online - Comprehensive costs only Rs 800 to Rs 2,000 more than third-party for most commuter bikes and covers your own damage.
- Pick a higher voluntary deductible - Choosing Rs 1,500 instead of Rs 500 voluntary deductible cuts premium by 8% to 12%.
- Install an anti-theft device certified by ARAI - Approved anti-theft devices unlock a 2.5% own-damage discount on most bikes.
Frequently Asked Questions
Related Bike Insurance Guides
- Bike Insurance Renewal Online
- Comprehensive Bike Insurance
- Third-Party Bike Insurance
- Zero Depreciation Add-On for Bikes
- Bike Insurance NCB Guide
- Bike RTO Transfer Guide
Sources: Content based on information published by IRDAI, ARAI, MoRTH, Parivahan Sewa, General Insurance Council (GIC), and other relevant regulatory or industry sources, as applicable.
Disclaimer: Premiums and amounts shown are indicative and approximate reference figures only; the actual figure varies with the vehicle's age, No Claim Bonus, geography (RTO zone) and various other parameters. The company offers products under Motor, Health, and Commercial Insurance. For risk factors, terms and conditions, exclusions, and product features, please read the policy wording, sales brochure, and prospectus carefully before concluding a sale. Zuno General Insurance Limited | IRDAI Reg. No. 159 | CIN: U66000MH2016PLC273758 | Registered Office: 2nd Floor, Tower 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai 400070 | Toll-Free: 1800 12000 | Landline: 022 42312000 (Call charges applicable) | Website: www.hizuno.com | Email: support@hizuno.com.
Section 41 of the Insurance Act, 1938: No person shall allow or offer to allow, directly or indirectly, as an inducement to any person to take out, renew, or continue an insurance policy in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out, renewing, or continuing a policy accept any such rebate.