Which Type of Insurance Is Best for Honda Activa 6G?

Posted on: Feb 27, 2025 | 3 mins | Written by: HDFC ERGO Team

Which Type of Insurance Is Best for Honda Activa 6G?

Honda Activa is a household name in India, representing reliability, convenience, and style. Since its introduction in 1999, this scooter has become the preferred choice for millions of Indian families. It’s versatile, affordable, and perfect for daily commutes. Owning a Honda Activa comes with the responsibility of ensuring its maintenance and protection. This is where bike insurance becomes crucial.

Why Do You Need Insurance for Honda Activa 6G?

Honda Activa insurance is mandatory and provides a plethora of benefits, like:

• Legal Compliance: As per Indian law, every vehicle owner must have at least third-party insurance. Riding without one can lead to penalties or legal issues.

• Financial Protection: Insurance safeguards your savings by covering repair costs due to accidents, theft, or natural calamities.

• Coverage Against Third-Party Liabilities: It ensures you are financially protected if your vehicle causes injury to other persons or damages to their property.

• Enhanced Peace of Mind: With insurance, you can ride stress-free, knowing you’re covered against unexpected incidents.

Types of Insurance Plans for Honda Activa 6G

Whether you already own an Activa or plan to buy one, understanding the different types of insurance available is crucial to safeguarding your scooter.

1. Third party bike insurance

This policy covers liabilities arising from injuries caused to third parties or damages to their properties by your vehicle. It is mandatory and ideal for those looking for minimal coverage at a lower premium. The validity of third-party insurance for an old scooter is 1 year, while for a new one, it is mandatory to obtain a long-term plan for five years.

Features:

• Covers third-party property damage.

• Offers financial protection against third-party injuries.

• Does not cover damages to your own vehicle.

Suitable for:

• Budget-conscious individuals who want to comply with legal requirements.

2. Comprehensive bike insurance

This policy provides extensive protection by covering theft and damages to your vehicle and third-party liabilities. It also allows policyholders to add riders for enhanced coverage. For your old Activa, you need to get only comprehensive insurance valid for 1 year; however, for a new scooter, you have the option to get a long term policy for 5 years.

Features:

• Covers theft and damages due to accidents, and natural/man-made calamities.

• Includes third-party liability coverage.

• Allows customisation with add-ons like zero depreciation, engine protection, and roadside assistance.

Suitable for:

• Individuals who want extensive protection for their Honda Activa.

3. Standalone Own Damage Cover

This policy is designed for those who already have third-party insurance but want additional protection for their own vehicle. Features:

• Covers damages to your vehicle due to accidents, theft, or natural calamities.

• Does not include third-party liability coverage.

Suitable for:

• Activa owners with existing third-party insurance seeking added coverage.

4. Bundled Insurance

If you prefer comprehensive insurance for your new Activa but want flexibility with the own-damage cover, you can opt for a bundled policy that provides 5-year third-party liability cover and 1-year own-damage protection.

Features:

• Flexibility to change insurer for the own damage cover

• Long-term third-party liability protection

Inclusions and Exclusions of Comprehensive Honda Activa Insurance

What is Covered?

1. Accidental Damage: Covers repair costs arising from accidents.

2. Theft: Provides compensation for the scooter’s insured declared value (IDV) in case of theft.

3. Fire and Explosions: Covers damages due to fire or explosions.

4. Natural Calamities: Protects against damages caused by floods, earthquakes, storms, etc.

5. Manmade Calamities: Covers damages due to riots, vandalism, and other manmade events.

6. Third-Party Liabilities: Includes coverage for injuries or damages caused to third parties.

7. Personal Accident Cover: Offers financial support for medical expenses in case of an accident involving the insured.

What is Not Covered?

1. Wear and Tear: Excludes regular wear and tear of the vehicle.

2. Drunk Driving: Claims arising from accidents caused under the influence of alcohol or drugs are not covered.

3. Illegal Activities: Damages caused during the use of the vehicle for illegal activities are excluded.

4. Negligence: Damages due to negligence, such as not locking the scooter or ignoring regular maintenance, are not covered.

Add-Ons for Enhanced Coverage

1. Zero Depreciation Cover

This add-on ensures that the insurer does not consider depreciation while settling claims, providing the full claim amount for repairs.

2. Engine Protection Cover

Covers damages to the engine and gearbox due to waterlogging or other mechanical issues.

3. No Claim Bonus Protection

Allows you to retain your NCB discount even after making a claim during the policy term.

4. Roadside Assistance

Provides 24/7 assistance in case of breakdowns, flat tires, or emergencies.

5. Return to Invoice

In case of total loss or theft, this add-on reimburses the invoice value of your Honda Activa.

Tips for Choosing the Right Insurance for Your Honda Activa 6G

1. Assess Your Needs: Determine whether you need basic third-party coverage or comprehensive protection.

2. Compare Policies: Use online platforms to compare features, benefits, and premiums.

3. Check Add-Ons: Opt for relevant add-ons.

4. Review Insurer’s Reputation: Choose an insurer with a good claim settlement ratio and customer reviews.

5. Understand the Policy Terms: Read the inclusions and exclusions carefully before purchasing.

Ways to Buy Honda Activa 6G Insurance

Here are some ways to buy insurance:

1. Online via Insurance Provider Websites: Visit the official websites of insurance companies to browse available plans, compare options, and make purchases.

2. Using Insurance Aggregators: These platforms allow you to compare policies from various insurers and choose the best one for your needs.

3. Mobile Apps: Many insurers offer apps where you can view plans, customise coverage, and purchase policies directly.

4. Insurance Agents/Brokers: You can contact licensed agents who will guide you through the process and assist with choosing the best plan.

5. Offline via Branch Offices: Visit the physical office of an insurance company or agent to discuss options and purchase policies.

Benefits of Buying Honda Activa 6G Insurance Online

Purchasing Honda Activa insurance online is a preferred option for the following reasons:

• Quick and Easy: Compare policies, get quotes, and purchase insurance within minutes.

• Transparency: Detailed information on inclusions, exclusions, and add-ons helps you make an informed decision.

• Paperless Process: No physical paperwork is required for policy issuance.

• Instant Renewals: Renew your policy instantly from the comfort of your home.

Conclusion

Honda Activa 6G is a reliable companion for commuters. While third party bike insurance is mandatory, a comprehensive bike insurance policy with add-ons offers optimal protection. Consider factors like coverage, riders, and insurer reputation to ensure the right policy purchase.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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