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Customer RatingsHonda Livo Two Wheeler Insurance
When it comes to the commuter bike segment in India, Honda’s Livo has its own fanbase and for all the good reasons. The Honda Livo Insurance is a two-wheeler motor insurance policy designed to cover your Livo from various unforeseen events. This policy offers coverage for this fan-favourite bike against damages and losses caused by unanticipated events like riots, fire, theft, floods, accidents, etc. Just like how a helmet and riding gear keep you protected from physical damages in case of an accident, the Honda Livo bike Insurance keeps your bike secure in the event of unwanted damages or losses by offering financial assistance.
In India, having motor insurance for your two-wheeler is mandatory. Check out all you need to know about Honda Livo Insurance, its features, benefits, inclusions and exclusions, etc., on this page.
Features of Honda Livo Insurance
The features that come with the Honda Livo Insurance make this policy a very useful choice. Here are some of the main ones;
| Key features | Details |
|---|---|
| Cover for own damage | Includes coverage for own damages caused by fire, theft, natural and man-made calamities, accidents, etc. |
| Cover for third-party damage | Includes coverage for third-party bodily injury, death and property damage. |
| Hassle-free claims process | User-friendly and fast online claim procedure with the assistance of AI-enabled tool IDEAS. |
| Useful add-ons | Availability of 8 add-ons to maximise protection. |
| Personal accident cover | A personal accident coverage of up to INR 15 lakhs~*. |
| Repair service | Availability of hassle-free door-step bike repairs (as per policy terms). |
| IDV customisation | Offers the ability to customise and choose Insured Declared Value at the time of policy purchase. |
| No Claim Bonus | Offers comprehensive protection at discounted rates with no-claim bonus of up to 50%. |
| Cashless feature | Quick and easy repairs via 2000+ cashless garages PAN India. |
Benefits of Honda Livo Insurance
Some of the main perks of investing in a Honda Livo bike Insurance are as follows;
| Benefits | Details |
|---|---|
| Extensive protection range | One of the main advantages of the Honda Livo bike Insurance policy is that it protects in case of both third-party liabilities and own damages, keeping you safe on all fronts. |
| Good for the pocket | Bikes are expensive and any damage caused to it in an unforeseen event calls for repairs, which can be costly. The insurance for Livo offers financial assistance so you can get it repaired for damages due to any insured peril without emptying your savings. |
| Fulfils essential coverage needs | With HDFC ERGO, you can get the ideal coverage for your Livo in just a few steps. Besides offering third-party, standalone OD and comprehensive plans, we offer options for IDV customisation and an impressive selection of 8 practical add-ons to extend your coverage as needed. |
| Quick fixes | The quick and hassle-free claims procedure with HDFC ERGO Honda Livo Insurance enables you to get necessary repairs done for damages due to an insured peril, lowering downtime. Additionally, 2000+ cashless garages and features like door-step bike repairs and roadside assistance also come in handy. |
| Avoiding fines | By law, having motor insurance with at least third-party coverage is mandatory, otherwise, riding your bike on the road will attract hefty fines. This policy can save you from such fines. |
| Better protection at lower costs | In general, the Honda Livo bike insurance price is very reasonable, considering the extensive coverage it can provide. With timely renewals and consecutive claim-free years, you can earn NCB and get the same extent of coverage but at up to 50% lower Honda Livo bike insurance price. |
Types of Honda Livo Insurance offered by HDFC ERGO
The types of two wheeler insurance plans offered by HDFC ERGO for your Honda Livo are;
The comprehensive bike insurance plan for the Honda Livo is an all-rounder, covering damages and losses on both ends. It takes care of third-party liabilities as well as any own damages caused by an insured peril. It also comes with cashless repair options and the choice of multiple add-ons.
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Accident, theft, fire etc.
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
The third party bike insurance for your Honda Livo only deals with third-party liabilities caused by an accident involving the insured’s bike. It offers coverage in the event of third-party bodily harm, death and property damage. As per the Motor Vehicles Act of 1988, having at least third-party insurance cover is mandatory for all bikes.
Personal accident cover
Third-party property damage
Injury to a third-party person
The standalone own damage cover only handles own damages sustained by the bike in an unfortunate incident, such as theft, fire & explosion, floods, riots, earthquakes, etc. It does not offer any coverage for third-party damages. If you already own a third-party cover for your Honda Livo, you can add the standalone OD cover for extra protection.
Accident, theft, fire etc
Natural calamities
Choice of add-ons
This cover is only applicable to brand-new bikes. If you are buying a brand new Honda Livo, you can opt for this plan, which comes with a year-long own-damage cover alongside a five-year cover for third-party liabilities.
Accident, theft, fire etc
Natural calamities
Personal accident
Third-party liability
Choice of add-ons
Honda Livo - Overview & USPs
The Honda Livo is known for its practical features, reliable performance and affordable price tag. Following is a quick overview and some USPs of Honda Livo;
Need for Honda Livo Insurance Policy
As a bike owner in India, the need for two-wheeler insurance is a major one. Here’s why having Honda Livo insurance policy is essential;
Inclusion & Exclusions of Honda Livo insurance
The Honda Livo insurance offers coverage against various insured perils, but there are certain things that it doesn’t cover. Here’s what the policy covers and excludes;
Accidents
If the insured bike sustains damages or losses due to an accident, the policy will offer coverage for it.
Fire & Explosion
Damages and losses due to fire or explosion can be massive. If your bike is affected by such, the policy will take care of the damages.
Theft
Bike thefts are covered under the Honda Livo two wheeler insurance policy. If this happens to your bike and it is not recovered, the insurer will pay you a sum equal to the bike’s Insured Declared Value.
Natural/Manmade Calamities
Worried about natural calamities or man-made hazards damaging your bike? The Honda Livo two wheeler insurance policy offers financial assistance to cover damages rendered by such events, including terrorism, riots, floods, landslides, etc.
Personal Accident
Personal accident cover for the bike’s registered owner of up to INR 15 lakhs is offered (Only if opted for).
Third-party liabilities
Accidental damages or losses caused to a third party, which include bodily injuries, fatalities and property damage, are covered under the plan.
Depreciation
Wear and tear due to normal usage, general ageing, depreciation and consequential losses are not covered under the Honda Livo insurance.
Electrical & Mechanical Breakdown
Mechanical and/or electrical breakdowns or failures are not covered under the policy. For example, the bike’s engine getting seized due to negligence of the rider is not covered.
Illegal Driving
The policyholder will not be able to claim insurance for damages or losses if the insured bike meets with an accident where the rider was illegally riding. This includes riding without a valid licence and riding under the influence of drugs or alcohol.
Honda Livo Two Wheeler Insurance Add-ons
If you want to extend the range of protection of your comprehensive or standalone OD cover Honda Livo insurance plan, consider opting for add-ons. HDFC ERGO offers the following add-ons;
Note: Including add-ons to the policy will increase the Honda Livo insurance price but also expand the overall coverage.
Calculate Honda Livo Two Wheeler Insurance Premium
The following list explains the easy steps via which you can calculate the Honda Livo bike insurance price with HDFC ERGO;
1. Visit the HDFC ERGO two-wheeler insurance premium calculator,
2. Fill in the required fields, i.e., the details of the bike,
3. Choose the preferred policy type, add-ons, policy tenure and IDV,
4. Provide previous policy details (if available),
5. After submitting all the essential attributes, the calculator will show you the Honda Livo bike insurance price.
How to Buy/Renew Your Honda Livo Bike Insurance?
You can buy or renew the insurance of Livo online and offline in India. Here are the steps to get it done online from HDFC ERGO;
• Buy Honda Livo insurance online
1. Visit the two-wheeler insurance page by HDFC ERGO,
2. At the top of the page, you will find a section where you need to provide the details of the bike, such as its registration number or make & model, registration year and registration city & RTO,
3. Next, choose between the plan type (third-party, comprehensive or standalone OD),
4. Select policy tenure, preferred IDV and add-ons (optional),
5. Enter the required information of the previous policy (if any),
6. Get the Honda Livo insurance price quote, fill in some additional details and pay the premium online to complete the purchase.
• Honda Livo insurance renewal
1. For Honda Livo two wheeler insurance renewal, visit HDFC ERGO two-wheeler insurance page,
2. Choose the option which says “Renew existing HDFC ERGO policy” at the top,
3. Enter the existing Honda Livo insurance policy number and continue,
4. Go through the details, make necessary changes, verify the details and get the Honda Livo two wheeler insurance quote,
5. Pay the Honda Livo insurance renewal price online to complete the procedure.
Note: If your existing policy is not from HDFC ERGO and you want to get the Livo insurance renewal done without changing the insurer, kindly visit the concerned insurer’s website and follow their necessary instructions for renewals.
Benefits of Buying Honda Livo Insurance Online
Purchasing or getting a Honda Livo insurance renewal complete over the Internet has tons of benefits, such as;
How to File Honda Livo Bike Insurance Claim?
Four steps are all you need in order to file a Honda Livo insurance claim with HDFC ERGO. These steps are;
1. Inform
The first and foremost step is to notify the insurer about the Honda Livo two wheeler insurance claim. With HDFC ERGO, you can do so by calling the helpline number or sending a text on WhatsApp at 8169500500. After claim intimation, our agent will shortly get in touch with you and provide a link where you need to upload the necessary documents.
2. Inspect
You can then choose between a self-inspection or a digital inspection via the app conducted by a surveyor or workshop partner for the damages.
3. Track
After Honda Livo two wheeler insurance policy claim submission, you can stay on top of the current status of the bike insurance claim via the claim tracker.
4. Settlement
When your Honda Livo insurance claim gets approved, you will be notified via a message and can then get your claim settled via the nearest network garage.
Documents Required for Honda Livo Two Wheeler Insurance Claim
Depending on the kind of damage/loss, you will need to offer the following documents for the Honda Livo two wheeler insurance policy claim;
Damage due accident
1. Proof of the Honda Livo insurance,
2. Copy of the original driving licence,
3. Police FIR copy reporting third-party property damage, bodily injuries and/or fatalities,
4. Copy of the bike’s original tax receipts and registration certificate for verification,
5. Estimate of the damage repair,
6. All repair bills and payment receipts.
Damage due to fire
1. Original Honda Livo insurance documents,
2. A soft copy of the bike’s RC,
3. A soft copy of the rider’s driving licence,
4. Copy of the FIR (if necessary),
5. Copy of the Fire Brigade report (if any),
6. Photograph or video evidence of the present evidence.
Additional Documents Required for Honda Livo Theft Claims
For a theft-related Honda Livo two wheeler insurance policy claim, alongside the usual, like rider’s DL, original insurance documents, bike’s RC, etc., there are a few additional paperwork involved in the process, like;
1. Theft endorsement from the concerned RTO,
2. A certified copy of the original letter to the concerned RTO, which addresses the theft of the bike and declares it as “Non-Use”,
3. Original tax payment receipt of the bike,
4. Details of previous bike insurance,
5. bike keys, warranty card, and service booklets,
6. Copy of the FIR/JMFC/Final investigation report.
Top Tips for Your Honda Livo
To consistently get the best performance with your Honda Livo, here are some tips you can follow;
1. Try maintaining a consistent riding speed under 60 kmph to get the best fuel economy from your Honda Livo. Also, avoid sudden and unnecessary accelerations for the best figures.
2. Try to go for scheduled services in a timely manner and get your bike serviced at authorised Honda two wheeler service centres only.
3. Always check your bike’s tyre pressure. Low tyre pressure can lead to low mileage, worse handling, heavy tyre wear and tear and other problems, so maintain it properly.
4. The Honda Livo comes with a kill switch, use it at traffic stops or when you need to stop your bike for more than 20 seconds. This can help save fuel and maintain engine health.
5. The maintenance cost of the Honda Livo is on the affordable side. So, make sure to change and replace things like engine oil, air filter, etc., periodically. This will keep the bike performing at its best.
6. The Honda Livo is equipped with mostly metal body parts, which can get expensive to replace if damaged. So, practice safe riding and use a cover when storing the bike. While at it, invest in proper Honda Livo insurance.
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