Electric Motorcycle Insurance: Tork, Revolt, Ultraviolette Cover 2026
What Is the Electric Motorcycle Segment
Electric motorcycles deliver 5 to 27 kW of motor power, 120 to 180 km per charge, and top speeds of 80 to 150 km per hour. They are positioned as both daily commuter and performance bikes.
EV bike claim risks include battery thermal events, charger fault, motor controller failure, and water damage during monsoon. The Battery Protect add-on plus comprehensive cover handles the EV-specific events.
Popular Bikes in This Segment
- Tork Kratos R - Made-in-India performance EV.
- Revolt RV400 - Connected EV bike.
- Ultraviolette F77 - Premium performance EV.
- Oben Rorr - Recent EV bike entry.
- Komaki Ranger - Long-range EV bike.
Why the Electric Motorcycle Segment Needs Specific Cover
EV motorcycles have premium IDV and complex repair. Spare parts are limited and lead times can be 2 to 4 weeks. The right stack covers the bike and ensures network garage support during repair.
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 Electric Motorcycle Segment
Comprehensive plus Battery Protect plus Roadside Assistance plus PA top-up is the right EV motorcycle stack. Annual total cost runs Rs 2,800 to Rs 5,200. The IRDAI 15% EV discount applies.
- Comprehensive Cover - Mandatory.
- Battery Protect Add-On - EV-specific cover.
- Roadside Assistance - Battery dead, towing support.
- Personal Accident Top-Up - Raise PA to Rs 25 lakh.
- Zero Depreciation if under 3 years - Plastic and paint replacement.
Comprehensive + Zero Depreciation + Engine Protect is the optimal stack for electric motorcycle riders. Premium lands at Rs 2,800 to Rs 5,200.
Electric Motorcycle 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 |
|---|---|---|---|
| Electric Motorcycle variant 1 | Rs 752 | Rs 1,600 | Rs 2,800 |
| Electric Motorcycle variant 2 | Rs 752 | Rs 1,600 to Rs 3,500 | Rs 2,800 to Rs 5,200 |
| Electric Motorcycle variant 3 (top trim) | Rs 752 | Rs 3,500 | Rs 5,200 |
| 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 Electric Motorcycle Bikes
- Open the electric motorcycle flow - Visit hizuno.com/bike-insurance and start the electric motorcycle 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.