Hero Splendor Insurance: Plans, Premium and Add-Ons 2026
What Is Hero Splendor Insurance
Hero Splendor insurance is a motor policy that covers your bike against accidents, theft, fire, natural calamities, and third-party liability under the Motor Vehicles Act, 1988. It is mandatory by Indian law for every two-wheeler on a public road.
The base policy comes in two forms:
- Third-party only - The legal minimum. Covers damage to other people, vehicles, and property. Does not cover your bike.
- Comprehensive - Covers everything in third-party plus your own bike against accident, theft, fire, riot, flood, and storm.
Hero Splendor buyers in India usually pick comprehensive cover with 3 to 5 add-ons because the model lineup (Splendor Plus, Splendor iSmart, Super Splendor 125, Splendor Plus XTEC. India's best-selling motorcycle.) includes high-IDV variants where a single repair can cost Rs 25,000 to Rs 80,000.
Why Hero Splendor Owners Need the Right Cover
Indian roads, weather, and traffic make a thin policy a costly mistake. Here is what Hero Splendor owners face:
- Repair parts are imported or proprietary - Body panels, ECU, and instrument cluster on the Hero Splendor cost more than mass-market bikes.
- Theft risk in metros - Mumbai, Delhi, Bangalore together account for 38% of two-wheeler theft cases registered yearly.
- Monsoon engine damage - Waterlogged streets in Mumbai, Chennai, Kolkata can seize the engine. Engine protect cover handles this.
- Pillion injuries are excluded by default - Add pillion add-on cover for any bike used for family or college runs.
- NCB up to 50% - Renewing on time with no claims earns you a 20% to 50% discount that resets if you let the policy lapse.
Coverage Types You Get on a Hero Splendor Policy
Here is what each cover type pays for and what it leaves out:
| Cover | What's Included | What's Excluded |
|---|---|---|
| Third-Party | Third-party injury, death, property damage up to Rs 7.5 lakh | Your bike, theft, fire, accident damage |
| Comprehensive | Everything in third-party plus own-damage, theft, fire, flood, riot | Wear and tear, mechanical failure, drunk riding |
| Zero Depreciation | Full claim value with no depreciation cut on plastic and rubber parts | Bikes older than 7 years |
| Engine Protect | Engine seizure from water, oil leak, gearbox damage | Wear and tear, regular service items |
| Roadside Assistance | Towing, flat tyre, fuel delivery, lockout help | Routine breakdown caused by skipped service |
| Pillion Rider | Rs 1 lakh to Rs 15 lakh PA cover for the back-seat rider | Riders above 70 years |
Premium Ranges by Variant
Two-wheeler premiums in India depend on your bike's cc, age, city RTO, and the cover type you pick. Below are typical 1-year premium ranges as of 2026:
| Variant | Third-Party Only | Comprehensive | With Add-Ons |
|---|---|---|---|
| Entry variant | Rs 752 | Rs 1,300 onwards | Rs 2,100 onwards |
| Mid variant | Rs 752 | Mid-range premium | Plus add-ons |
| Top variant | Rs 752 | Up to Rs 2,800 | Up to Rs 4,300 |
Actual premium depends on your IDV, RTO zone, and add-on bundle. Get an exact quote at hizuno.com/bike-insurance.
How to Buy Hero Splendor Insurance Online
Buying online from Zuno takes under 4 minutes. Here is the step-by-step process:
- Enter your bike registration number - At hizuno.com/bike-insurance, type your Hero Splendor registration. The system pulls your IDV, model year, and existing policy details from VAHAN.
- Choose your cover type - Pick third-party only or comprehensive. For most Hero Splendor owners, comprehensive is the right call.
- Add the right covers - Layer zero depreciation, engine protect, roadside assistance, and consumables cover.
- Set IDV at market value - Use the suggested IDV (Rs 38,000 to Rs 72,000). Lowering IDV cuts your premium but also cuts every claim payout.
- Pay and download your policy - Pay through UPI, net banking, or card. Policy schedule lands in your inbox in minutes. Print or store on phone as proof.
City and State Nuances
Indian cities differ on traffic density, theft risk, monsoon flooding, and RTO load. Here is how key metros and tier-2 cities affect your bike premium:
| City | Premium Adjustment | Recommended Add-On |
|---|---|---|
| Mumbai | Premium 8% to 12% higher | Engine protect + zero dep |
| Delhi NCR | Premium 7% to 10% higher | Roadside assistance + tyre protect |
| Bangalore | Premium 5% to 8% higher | Roadside assistance + pillion cover |
| Chennai | Premium 6% to 9% higher | Engine protect + consumables |
| Pune | Base rate | Zero depreciation + RSA |
| Hyderabad | Base rate to 5% higher | Roadside assistance + helmet cover |
| Kolkata | Premium 4% to 7% higher | Engine protect + zero dep |
| Tier 2 (Indore, Jaipur, Kochi) | Base rate or 2% to 4% lower | Standard comprehensive cover |
Mumbai, Chennai, and Kolkata bikes need engine protect for monsoon. Bangalore and Delhi NCR benefit from roadside assistance for traffic-zone breakdowns. Pune and Hyderabad RTOs offer the lowest base premiums among metros.
Common Mistakes Indian Bike Owners Make
Letting your bike policy lapse by even a single day. You lose all your accumulated No Claim Bonus (up to 50%) and the bike must clear a fresh inspection before any new policy starts.
- Buying third-party only on a comprehensive-eligible bike - A Hero Splendor owner who skips comprehensive cover pays Rs 25,000 to Rs 70,000 out of pocket at the first own-damage incident.
- Lowering IDV to cut premium - Lower IDV means a thinner total loss payout. Always set IDV at fair market value.
- Skipping zero depreciation in the first 5 years - Plastic and rubber parts depreciation can shave 30% to 50% off your claim.
- Forgetting pillion cover on a family bike - Pillion accidents are excluded from the standard owner-driver personal accident cover.
- Missing renewal date by even one day - You lose all NCB and the bike must clear a fresh physical inspection before the new policy starts.
Pro Tips to Save on Bike Insurance
- Use the IRDAI 60-day renewal window for third-party renewal - If your third-party expires you have 60 days under IRDAI rules to renew without losing the discount slab. Comprehensive own-damage has only a 90-day renewal window.
- Bundle 4 add-ons together for a bundle discount - Most providers price a 4-add-on bundle 8% to 12% cheaper than individual covers.
- Buy online for the no-agent-commission discount - Online plans usually save Rs 200 to Rs 800 per year versus offline rates because no agent commission is loaded.
- Renew 15 days before expiry - Avoids the inspection trigger and locks your NCB in time.
- Compare 3 IDV options - The mid IDV usually offers the best premium-to-claim ratio.
Frequently Asked Questions
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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.