Motor Insurance
Honda Livo Bike Insurance
Premium Starts At ₹538
Secure your ride with two-wheeler insurance by your side!
Coverage Highlights
Get comprehensive coverage for your bike
Comprehensive Protection
Covers accidents, theft, natural calamities, and third-party liabilities.
Drive Legal, Stay Safe
Mandatory third-party cover, premiums from INR 538*.
Add On Covers
Zero depreciation, roadside assistance, engine protection & more.
Cashless Garages
7,200+ network garages for hassle-free service.
On The Spot Claim Settlement
Instant claim settlement via Bajaj General App.
24x7 Spot Assistance
Roadside help anytime, anywhere.
Note
*TP Two-Wheeler Insurance Premiums starting at INR 538
Inclusions
What’s covered?Third-Party Injury/Death (Unlimited Cover)
Covers full compensation as per court ruling if your bike causes injury or death.
Third-Party Property Damage (Up to INR 1 Lakh)
Pays for damages to others’ property caused by your bike.
Own Damage Cover
Covers accidental damage, fire, theft, and natural calamities, reducing repair/replacement costs.
Natural or Man-Made Disasters
Protects against damages from floods, earthquakes, riots, and vandalism.
Theft Protection
Get compensated based on your bike’s Insured Declared Value (IDV) in case of theft.
In-Transit Damage
Covers repair costs if your bike is damaged while transported.
Personal Accident Cover
Financial support up to INR 15 lakh for death or disability due to an accident.
Add-On Covers
Choose from zero depreciation, roadside assistance, engine protection & more for extra security.
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the bike intentionally
Depreciation
Normal wear and tear of the bike due to usage and depreciation in value is not covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the bike for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your bike, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your bike, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a bike depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your bike's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your bike is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your bike engine
Return to Invoice (RTI) Cover
Recover invoice value of your bike back in case of theft or total loss
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
Honda Livo Bike Insurance – Instant Quote, Add-ons & Cashless Service
The Honda Livo is a reliable and stylish commuter bike offering great mileage and performance. But riding on Indian roads comes with risks—accidents, theft, or unexpected damage from natural disasters. That’s why securing your two-wheeler with Honda Livo insurance is essential. It protects your finances during emergencies and helps you stay legally compliant with third-party liability coverage. Comprehensive plans cover own-damage, theft, and more. Trusted insurers like Bajaj General Insurance offer tailored policies, hassle-free renewals, and access to thousands of cashless garages, making it easier to safeguard your ride with confidence.
Features of Honda Livo Bike Insurance
● Third-Party Liability Cover: Mandatory by law, it covers injury, death, or property damage caused to third parties.
● Own-Damage Protection: Comprehensive plans protect your Livo against accidents, fire, floods, theft, and vandalism.
● Add-On Covers: Options include zero depreciation, roadside assistance, engine protection, and return-to-invoice.
● Cashless Claims: Enjoy hassle-free servicing at network garages across India.
● Personal Accident Cover: Offers financial assistance in case of accidental disability or death of the owner-rider.
● Customisable IDV: Adjust the Insured Declared Value based on your preferences and budget.
● 24/7 Assistance: Access customer support anytime via app, website, or helpline.
● Easy Renewals: Renew your honda livo insurance policy in minutes online, without paperwork.
At-A-Glance
Compare Insurance Plans Made for You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Cover Insurance |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| Overview | Covers legal liabilities arising due to body injury or property damage to others due to your bike. It is mandatory by law. | Covers expenses arising out of damage to your bike. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| Policy Period | 1/2/3 years | 1 Year | 1/2/3/5 years | 1/2/3/5 years |
| Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
| Accidents & Collisions | No | Yes | Yes | Yes |
| Natural or Man-Made Disasters | No | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes | Yes |
| Theft | No | Yes | Yes | Yes |
| Compulsory Personal Accident | Yes | Yes | Yes | Yes |
| No Claim Bonus | No | Yes | Yes | Yes |
| Add-on: Zero Depreciation Cover | No | Yes | No | Yes |
| Add-on: Lock & Key Replacement | No | Yes | No | Yes |
| Add-on: 24x7 Roadside Assistance | No | Yes | No | Yes |
| Add-on: Consumables Cover | No | Yes | No | Yes |
| Explore more add-ons | No | 25+ Add On's | 25+ Add On's | 25+ Add On's |
Benefits of Online Bike Insurance for Honda Livo
Purchasing Honda Livo insurance online offers unmatched ease and control.
● Quick Comparisons: Instantly evaluate different plans, prices, and features.
● Instant Policy Issuance: Receive your e-policy within minutes with no paperwork.
● Transparent Pricing: Use premium calculators to determine the best deal for your budget.
● Add-On Selection: Customise coverage with riders like zero depreciation, NCB protection, or roadside assistance.
● Digital Access: Manage your policy, download documents, and file claims anytime.
● Secure Transactions: Enjoy safe online payment options.
● Renewal Reminders: Never miss a due date again.
With providers like Bajaj General Insurance, online platforms offer policy management, claims tracking, and 7,200+ cashless garages—ensuring your Livo stays protected with just a few clicks.
Honda Livo – Variants & Ex-Showroom Price
Honda Livo comes in two variants: Drum (₹78,500 approx.) and Disc (₹82,500 approx.). Prices may vary by city. The choice of variant impacts the honda livo insurance premium based on features, value, and Insured Declared Value (IDV).
Types of Bike Insurance Plans for Honda Livo
There are two primary types of Honda Livo insurance plans:
- Third-Party Insurance
○ Mandatory as per Indian law
○ Covers injury or property damage to third parties
○ No protection for your own vehicle
- Comprehensive Insurance
○ Includes third-party cover plus own-damage protection
○ Covers loss/damage from theft, accidents, natural calamities, fire, etc.
○ Allows optional add-ons for extended protection
Third-party policies are cheaper but limited in coverage. For better security and financial protection, especially in cities or long-distance use, comprehensive bike insurance is highly recommended.
Why Honda Livo Needs Bike Insurance
The Honda Livo is built for everyday commuting, but even short trips can pose risks. A collision, natural disaster, or act of vandalism can cause expensive repairs. Having valid Honda Livo insurance ensures you're protected from the financial burden of such events.
Insurance not only covers own damage and theft but also protects you from third-party liability, which is legally required in India. Plus, personal accident cover for the rider adds another layer of security. Without insurance, even minor accidents can result in out-of-pocket expenses. Given its regular usage and exposure to road hazards, ensuring your Livo is not just smart—it’s essential.
Step-by-Step Guide
To guide you through your insurance journey.
How To Buy
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1
Download the Bajaj General App from App stores or click "Get Quote"
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2
Register or log in to your account.
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3
Enter your bike details
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4
You will be redirected to the bike Insurance Page.
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5
Ensure to check your No Claim Discount
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6
Choose right Insured Declared Value(IDV) that reflects your bike value
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7
Evaluate Covers, Add Ons, Optional Covers and Exclusions
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8
Select a plan from the recommended options, or customize your own plan
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9
Review the premium and other coverage details
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10
Proceed with the payment using your preferred method
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11
Receive confirmation of your purchased policy via email and SMS
How To Renew
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1
Login to the app
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2
Enter your current policy details
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3
Review and update coverage if required
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4
Check for renewal offers
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5
Add or remove riders
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6
Confirm details and proceed
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7
Complete renewal payment online
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8
Receive instant confirmation for your policy renewal
How to Claim
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1
Download our Bajaj General App on Android or iOS
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2
Register or login to use Motor On the spot claim for a smooth process
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3
Enter your policy and accident details (location, date, time)
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4
Save and click Register to file your claim
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5
Receive an SMS with your claim registration number
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6
Fill in the digital claim form and submit NEFT details
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7
Upload photos of damaged parts as instructed
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8
Upload your RC and driving license
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9
Receive an SMS with the proposed claim amount
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10
Use the SMS link to agree/disagree with the claim amount
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11
Agree to receive the amount in your bank account
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12
Track your claim status using the Bajaj General App
Know More
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1
For any further queries, please reach out to us
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2
Toll Free : For Sales :1800-209-0144
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3
Email ID: careforyou@bajajgeneral.com
Calculate Honda Livo Two-Wheeler Insurance Premium
To know your Honda Livo insurance cost, use an online premium calculator. Enter key details like bike variant, city of registration, year of manufacture, and previous policy status. The tool calculates premium based on IDV, add-ons, and your No Claim Bonus (NCB). For example, a Drum variant will have a slightly lower premium than the Disc model due to its lower ex-showroom price. Adjust the IDV or add-ons to see how the premium changes before finalising your purchase.
How to File Honda Livo Bike Insurance Claim?
Filing a claim for Honda Livo insurance involves:
1. Informing the insurer via website, mobile app, or helpline.
2. Submitting documents like policy copy, RC, DL, and FIR (if required).
3. Surveyor visit for damage assessment.
4. Garage repair: Choose a network garage for cashless repair or pay and claim reimbursement.
5. Claim tracking via portal or app.
Download Policy Document
Get instant access to your policy details with a single click.
Documents Required for Honda Livo Two-Wheeler Insurance Claim
These documents are required:
● Insurance policy document
● Bike Registration Certificate (RC)
● Valid driving licence
● FIR (for theft or third-party liability)
● Claim form, filled and signed
● Photos of the damage
● Repair estimate and final bills (for reimbursement)
Ensure all documents are clear and updated for fast claim approval.
Additional Documents Required for Honda Livo Theft Claims
You’ll also need:
● FIR copy stating theft details
● No Trace Certificate issued by police after investigation
● Original keys (both sets, if available)
● Form 28, 29, 30 signed for transfer of ownership
● RTO transfer documents
● Policy and RC copies
Providing these documents quickly can help expedite your theft claim process.
Why Insure Your Bike with Bajaj General?
Buy Now
Why Choose Bajaj General for Honda Livo Bike Insurance
Bajaj General Insurance provides customisable, affordable insurance plans for Honda Livo riders. With their policies, you get:
● Quick online policy issuance and renewal
● Access to 7,200+ cashless garages across India
● Comprehensive and third-party plans with flexible IDV
● Useful add-ons like zero depreciation, engine cover, and NCB protection
● App-based claim tracking and paperless service
● Dedicated 24/7 customer support
Their digital platform simplifies policy management, making it easy to safeguard your Honda Livo against every bump in the road.
Types of Bike Insurance in India
Comprehensive Two Wheeler Insurance Policy
In this type of two wheeler insurance plan, the third party is insured as well as the rider/ policyholder/ owner/ vehicle itself. These all are benefited in a single policy, and the additional add ons are also applicable at an extra premium cost.
The comprehensive two wheeler insurance policies are fixed and created by every insurance firm individually. They each have different offers based on the comprehensive policy cover. The premium charge is relatively high under this type of two-wheeler insurance.
A comprehensive policy is not regulated by IRDAI at all. It can be modified and changed by insurance companies only.
Third-Party Two Wheeler Insurance Policy
In this type of two wheeler insurance, only third parties involved in the accidents are covered and compensated. It is beneficial for the rider or the owner in terms of legal obligations as the third party two-wheeler insurance protects them and the other parties involved in the incident. Every two-wheeler must have a third party insurance for the bike.
It is a legally regulated and mandatory insurance policy sanctioned by the Insurance Regulatory and Development Authority. The bike insurance premium is cheaper than the comprehensive policy premium, but the coverage is also lesser.
The owner/policyholder or the vehicle is not protected under the third party two wheeler insurance plans. If involved in an accident, they won’t be compensated at all. The rules and conditions regarding this policy are similar across nations.
Standalone Two Wheeler Insurance Policy
Under the standalone own damage cover, you can claim benefits for accidents, theft, and natural or man-made damages. This cover can be combined with comprehensive bike insurance or a long term two wheeler insurance policy.
However, it does not cover third-party liabilities, depreciation, electrical or mechanical breakdowns, or damages caused by DUI, drug use, or underage driving. Having two-wheeler insurance ensures both rider and vehicle safety. Since insurers offer different benefits, always compare policies before buying.
Key Advantages Include:
Financial Protection – Covers repair or replacement costs, reducing financial stress.
Legal Security – Helps avoid legal trouble in case of third-party injuries, as required by the IRDA.
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FAQ's
Which is the right bike insurance plan for my Honda Livo?
A comprehensive plan with zero depreciation and engine protection is ideal for full coverage.
How much does Honda Livo insurance cost?
The premium ranges from ₹750 (third-party) to ₹1,500+ (comprehensive), depending on variant and add-ons.
Can I get add-ons with third-party Honda Livo insurance?
No, add-ons are only available with comprehensive policies.
Is third-party insurance sufficient for Honda Livo?
It meets legal requirements but doesn’t cover its own damage—comprehensive insurance is better for full protection.
Which is better for Honda Livo: comprehensive or third-party insurance?
Comprehensive insurance is better as it covers both own damage and third-party liability.
Are modifications or accessories covered in Honda Livo insurance?
Only if declared and specifically covered under your policy. Always inform your insurer about modifications.
Where can I initiate a claim?
You can use the insurer's app, such as Caringly Yours, to initiate your insurance claim with a quick and easy experience.
How do I register my claim?
Claims should ideally be registered on the same day as the incident. Use the Bajaj General App to complete the process in just a few steps.
What is premium reduction process if no claim acquired previously?
No claim bonus can reduce your premium each year if no claims are made. This is particularly beneficial for long-term policyholders.
How does the no-claim bonus (NCB) work?
The no-claim bonus is a discount reward provided for claim-free policy years. When you renew your policy without making any claims, you receive a percentage discount on the premium, reducing your insurance cost over time. This incentive promotes safe riding while lowering premiums and preserving your coverage benefits.
Can bike insurance be transferred to a new owner?
Yes, bike insurance can be transferred when the vehicle is sold by informing the insurer and providing documents like RC transfer papers and a No Claim Bonus (NCB) transfer request.
Does bike insurance cover engine repair?
Standard comprehensive two wheeler insurance does not cover engine repairs caused by water ingress or oil leakage. Engine protection add-on is available separately to cover repair or replacement of engine and gearbox parts.
How can I get an online savings on my premium?
Online savings can be availed through No Claim Bonus (NCB), higher deductibles, installing anti-theft devices, choosing long term two wheeler package policies, and comparing premiums across insurers.
What is the process for renewing a bike insurance policy?
Renewal is simple: log in to the insurer’s portal, enter your existing policy details, and review or update your coverage. You can choose to add or remove riders and check for renewal offers, including NCB benefits. Once you confirm the details and make a secure payment online, your policy is renewed instantly with continuous coverage.
Will my No Claims Bonus be transferred if I renew my motor insurance?
You may be able to transfer your No Claims Bonus (NCB) when renewing your policy, depending on your insurer's policies. Renewal might offer new and better NCB options and discounts.
Why does my vehicle insurance premium change during renewal?
Premium changes can result from depreciation, new add-ons, changes in vehicle model, or additional accessories. These factors may cause the premium to rise or fall.
How NCB is calculated at the time of renewal?
NCB is calculated based on how many consecutive years you've gone without filing a claim. The percentage discount increases with each claim-free year.
What is a break in insurance?
A break in insurance is the gap between policy expiration and renewal. Your policy becomes inactive during this time. Renew promptly to reactivate coverage.
Can I change my motor insurance provider at renewal?
Yes, you can switch providers at renewal. Compare different options to find better coverage or lower premiums.
What is a grace period in two-wheeler insurance?
The grace period is the extra time after policy expiry during which coverage continues, allowing renewal without loss of benefits. It typically ranges from 30 to 90 days depending on insurer terms and IRDAI guidelines.
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