Ather Bike Insurance, Plans, Premium & Coverage 2026

As of 2026, under current IRDAI norms.

What Is Ather Two-Wheeler Insurance?

Ather two-wheeler insurance is a policy that protects any Ather motorcycle or scooter against road risks. Founded in 2013 (Bangalore startup), Ather is India's first smart electric scooter brand. With 3 current models across Ather 450X, 450S, and Rizta electric scooters, Ather owners across India need reliable insurance to protect their ride.

• Third-party cover is mandatory by law, it pays for damage you cause to others on the road
• Comprehensive cover adds protection for your own bike, accidents, theft, fire, and natural disasters
• Personal accident cover for the owner-driver is compulsory under IRDAI rules
• Add-ons like zero depreciation, roadside assistance, and pillion rider cover give extra safety
• Cashless repairs at 5,000+ garages mean you pay nothing upfront during a claim
• Ather service network: With 100+ Ather experience centres + 1,500+ service points, getting your bike repaired after a claim is convenient

No matter which Ather model you ride, the right insurance keeps unexpected repair costs out of your pocket.

Why Ather Two-Wheeler Insurance Is Important

• Legal requirement: Riding without at least third-party insurance attracts a Rs 2,000 fine and possible vehicle seizure under the Motor Vehicles Act
• Wide model range: Ather covers 3 electric, each segment has different risk profiles and insurance needs
• Strong service network: Ather's 100+ Ather experience centres + 1,500+ service points make claim repairs convenient, with parts readily available across India
• Resale value protection: A comprehensive insurance history boosts the resale value of your Ather bike when you upgrade
• Natural disaster cover: Floods in Mumbai, Chennai, and Bangalore have destroyed thousands of two-wheelers in recent years, comprehensive cover pays for water damage
• Parts availability: Ather parts are widely available, keeping repair costs and claim settlements quick and efficient

Coverage Options for Ather Bikes

Here is a side-by-side look at what each type of bike insurance covers for any Ather two-wheeler.

For any Ather bike, comprehensive cover is the smart pick. The premium difference between third-party and comprehensive is modest. But the protection difference is massive, especially for theft and own-damage claims.

How to Buy Ather Bike Insurance Online

Getting your Ather two-wheeler insured online is quick and simple. Follow these 5 steps.

1. Visit hizuno.com/bike-insurance and enter your Ather bike's registration number. The system auto-fetches your model, variant, and RTO details.
2. Compare third-party and comprehensive plans side by side. Check the coverage, premium, and deductible for each option.
3. Add optional covers based on your needs, zero depreciation, roadside assistance, or pillion rider cover.
4. Review your bike details, chosen plan, add-ons, and final premium. Apply your No Claim Bonus if you have a claim-free record.
5. Pay via UPI, net banking, or card. Your Ather bike insurance policy is issued instantly and sent to your email.

Key Factors That Affect Your Ather Premium

• Model and engine CC: Ather models range from electric scooters to sport bikes. Higher CC and price mean higher premiums.
• Bike's age: A new Ather bike has a higher IDV, so the own-damage premium is more. Each year, the IDV drops and so does the premium.
• City of registration: Metro cities like Mumbai and Delhi have higher premiums due to traffic density and accident rates. Tier-2 and Tier-3 towns are cheaper.
• Parts cost: Ather parts are available through authorised channels. Lower parts cost keeps own-damage premiums in check.
• Riding profile: Your claim history matters. A clean record earns you a No Claim Bonus of up to 50% off on the own-damage premium.
• Add-ons selected: Each add-on (zero dep, RSA, pillion cover) adds to the base premium. Pick only what you actually need based on your riding pattern.

Ather Insurance Cost, All Models

Here is the estimated annual premium range for every Ather two-wheeler currently on sale in India, sorted by price.

• Third-party premium is fixed by IRDAI based on engine capacity, it stays the same regardless of the bike's age
• Own-damage premium drops each year as the IDV decreases with depreciation
• No Claim Bonus can cut your OD premium by 20% to 50% for each claim-free year
• Add-ons like zero depreciation and RSA add Rs 200-500 to the total depending on the model

Get an exact quote for any Ather model at hizuno.com/bike-insurance.

Common Mistakes Ather Owners Make

• Letting the policy lapse: A gap in insurance means you lose your No Claim Bonus and may need a vehicle inspection to renew. Set a reminder 15 days before expiry.
• Skipping zero depreciation: During a claim, the insurer deducts 30-50% for old parts. Zero dep ensures full claim settlement without deductions.
• Not updating the IDV: An incorrect IDV means you are either overpaying on premiums or underinsured in case of total loss or theft.
• Not declaring modifications: Aftermarket exhausts, crash guards, or performance parts must be declared. Undeclared mods can void your claim.
• Ignoring pillion cover: If you regularly carry a passenger, pillion rider cover is a must. A pillion injury claim without cover falls on your pocket.

Tips to Lower Your Ather Insurance Premium

• Compare plans online: Use Zuno's online tool to compare third-party and comprehensive plans side by side before choosing.
• Maintain your NCB: Every claim-free year earns you a bigger discount. After 5 years, you save 50% on your own-damage premium.
• Choose a higher voluntary deductible: Agreeing to pay the first Rs 500-1,000 of any claim brings your premium down.
• Install anti-theft devices: An ARAI-approved lock or alarm can get you an additional discount on the OD premium.
• Renew before expiry: Last-minute renewals often miss early-bird discounts. Renew 7-15 days before your policy ends.
• Pick add-ons wisely: Not every Ather model needs every add-on. A 5-year-old commuter may not benefit from zero dep, but a new sports bike absolutely will.

Ather Full Model Catalog & Insurance Guide

Here is the complete Ather two-wheeler lineup with insurance-relevant specifications. Use this guide to understand which plan and add-ons suit your specific model.

Segment-Wise Insurance Tips for Ather Owners

Electric scooter buyers should check if battery damage is covered under their comprehensive plan. The battery is the most expensive component, and flood or water damage can be costly to repair.

No matter which Ather model you ride, a comprehensive insurance policy with the right add-ons gives you complete protection on every ride. Get a personalised quote at hizuno.com/bike-insurance.

Extended Warranty vs Insurance for the Ather (2026)

A manufacturer warranty on the Ather covers manufacturing defects for a fixed period and kilometre limit. An extended warranty prolongs that same defect cover. It is sold by the manufacturer or the dealer, not by an insurer, and it does not replace motor insurance.

The two protect against different things and do not overlap:

• An extended warranty pays when a covered part fails on its own, such as a gearbox, ECU or electrical component that stops working with no external cause.
• Motor insurance pays for accident damage, theft, fire, flood and third-party liability. A warranty covers none of these.
• Third-party cover stays compulsory under the Motor Vehicles Act 1988 for as long as the Ather is on the road, whether or not it is still under warranty.
• Both exclude wear and tear. Consumables, tyres, brake pads and routine service sit outside a warranty and outside an own-damage claim. On the insurance side a consumables add-on is what covers those items.

The exact term and kilometre limit differ by variant and by year of manufacture, so check the warranty booklet in your Ather document pack rather than relying on a general figure.

Frequently Asked Questions About Ather Bike Insurance