Bike Insurance for Hero Splendor Plus, Plans, Premium & Coverage 2026

As of 2026, under current IRDAI norms.

What Is Hero Splendor Plus Bike Insurance?

Hero Splendor Plus bike insurance is a policy that financially protects you and your motorcycle against road risks. Since the Splendor Plus is a petrol-powered commuter bike with a 97cc engine, it falls in the most affordable insurance bracket.

• 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

Whether you ride your Splendor Plus to work daily or use it for weekend errands, the right insurance keeps repair bills away from your wallet.

Why Hero Splendor Plus 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
• Theft protection: The Splendor Plus is one of the most stolen bikes in India due to its massive popularity and easy resale of spare parts
• Accident cover: Indian roads see over 4.6 lakh accidents every year, pothole damage, rear-end collisions, and monsoon skids are real risks for daily commuters
• Third-party liability: If your bike damages someone's property or causes injury, you could face claims running into lakhs without insurance
• Natural disaster cover: Floods in Mumbai, Chennai, and Bangalore have destroyed thousands of two-wheelers in recent years, comprehensive cover pays for water damage
• Affordable premiums: At Rs 700-1,400 per year, Splendor Plus insurance costs less than two tanks of petrol, a small price for big protection

Coverage Options for Your Hero Splendor Plus

Here is a side-by-side look at what each type of bike insurance covers for your Splendor Plus.

For a daily commuter like the Splendor Plus, comprehensive cover is the smart pick. The premium difference between third-party and comprehensive is often just Rs 300-500 per year. But the protection difference is massive.

How to Buy Hero Splendor Plus Insurance Online

Getting your Splendor Plus insured online is quick. Follow these 5 steps.

1. Visit hizuno.com/bike-insurance and enter your Splendor Plus registration number. The system auto-fetches your 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 Splendor Plus insurance policy is issued instantly and sent to your email.

Key Factors That Affect Your Splendor Plus Premium

• Engine capacity (97cc): The Splendor Plus falls in the lowest CC bracket, which means the cheapest third-party rates set by IRDAI
• Bike's age: A new Splendor Plus has a higher IDV (Insured Declared Value), so the own-damage premium is slightly 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
• 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 Rs 100-300 to the base premium
• Voluntary deductible: Opting for a higher deductible (the amount you pay first during a claim) reduces your annual premium

Hero Splendor Plus Insurance Cost

Here is the estimated annual premium range for the Hero Splendor Plus based on bike age and plan type.

• Third-party premium is fixed by IRDAI for bikes under 150cc, it stays the same regardless of the bike's age
• Own-damage premium drops each year as the IDV of your Splendor Plus 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 200-400 to the total

Get an exact quote for your Splendor Plus at hizuno.com/bike-insurance.

Common Mistakes Splendor Plus 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 cover ensures you get the full claim amount 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.
• Ignoring pillion cover: If you regularly carry a family member on the back seat, pillion rider cover is a must. A pillion injury claim without cover falls on your pocket.
• Modified exhaust or parts: Aftermarket modifications that are not declared to the insurer can void your claim during an accident.

Tips to Lower Your Splendor Plus 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.
• Skip add-ons you do not need: If your Splendor Plus is 5+ years old, zero depreciation may not be worth it. Pick add-ons based on your actual riding pattern.

Hero Splendor Plus, Model Deep Dive & Insurance Tips

The Hero Splendor Plus runs a 97cc air-cooled, single-cylinder engine that produces 8.02 PS of power and 8.05 Nm of torque. It comes with a 5-speed gearbox and Hero's i3S (idle start-stop system) that cuts fuel consumption in city traffic. The bike returns a claimed mileage of 60-65 kmpl, making it one of the most fuel-efficient motorcycles on Indian roads.

Riding Conditions & Insurance Impact

Most Splendor Plus owners ride 30-60 km daily on a mix of city roads and state highways. Here is what that means for your insurance decisions.

• City commuting: Stop-and-go traffic increases the risk of minor scrapes and rear-end bumps. Comprehensive cover handles these repairs without you paying from your pocket.
• Small-town and village roads: Unpaved stretches and potholes can damage the exhaust, suspension, and wheel rims. Own-damage cover picks up these repair bills.
• Monsoon riding: Water-logged roads, slippery surfaces, and reduced visibility cause a spike in two-wheeler accidents every July to September. Natural disaster coverage within comprehensive plans covers flood damage.
• Parking theft risk: The Splendor Plus is parked on streets and in open lots across India. Chain snatching of mirrors, seats, and batteries is common in metros. Comprehensive insurance with theft cover keeps you protected.

Service Network

Hero MotoCorp has over 6,000 service centres across India, the largest network of any two-wheeler brand. This means your Splendor Plus can be serviced in virtually every town. Combined with Zuno's 5,000+ network garages, getting a claim processed and your bike repaired is straightforward no matter where you ride.

Extended Warranty vs Insurance for the Hero Splendor Plus (2026)

A manufacturer warranty on the Hero Splendor Plus 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 Hero Splendor Plus 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 Hero Splendor Plus document pack rather than relying on a general figure.

Frequently Asked Questions About Hero Splendor Plus Insurance