Yamaha Fascino Insurance

Owning a Yamaha Fascino is more than just having a two-wheeler. For many riders across India, it represents style, comfort, and practicality rolled into one. With its elegant design, fuel efficiency, and modern features, the Yamaha Fascino has become one of the most sought-after scooters for daily commuting and city rides. However, protecting such a prized possession with the right Yamaha Fascino bike insurance is equally important.

When you choose Bajaj General Insurance for your Yamaha Fascino insurance, you get not only compliance with the Motor Vehicles Act but also comprehensive financial protection against accidents, theft, natural calamities, and third-party liabilities.

The Yamaha Fascino is a lightweight and stylish scooter powered by a BS6-compliant 125cc engine. While it offers fuel efficiency, smooth performance, and advanced safety features, riding on Indian roads still involves risks such as accidents, unpredictable traffic conditions, and natural disasters.

Some key reasons why Yamaha Fascino owners should opt for a two-wheeler insurance policy from Bajaj General Insurance include:

1. Mandatory requirement: As per the Motor Vehicle Act, having at least a valid Third Party Bike Insurance policy is compulsory. Without it, riding your Yamaha Fascino is illegal.

2. Financial protection: Insurance covers repair and replacement costs in case of damage caused by accidents or natural disasters.

3. Peace of mind: Whether it is theft, fire, or third-party liability, Yamaha Fascino insurance ensures you are financially protected.

4. Customisation options: With Bajaj General Insurance, you can personalise your two-wheeler insurance plan with add-ons like zero depreciation cover, consumable cover, NCB protect cover, and personal accident cover etc.

When you purchase a Yamaha Fascino, you can choose from two primary insurance types offered by Bajaj General Insurance:

1. Third Party Bike Insurance

This is the minimum cover mandated by law. It protects you from financial liabilities if your Yamaha Fascino causes injury, death, or property damage to a third party. While it does not cover own damage, it is affordable and keeps you legally compliant.

2. Comprehensive Two-Wheeler Insurance

A comprehensive plan combines Third Party Bike Insurance with own damage cover. This means that, in addition to protecting third parties, your Yamaha Fascino is also covered for damages caused by accidents, fire, natural disasters, theft, and man-made events such as riots.

3. Standalone Two-Wheeler Insurance

A standalone two-wheeler insurance policy provides coverage for accidents, theft, and damages caused by natural or man-made events. It excludes third-party liabilities, breakdowns, or damages from DUI or underage driving. Benefits include financial protection for repairs/replacements and legal security against third-party claims. Always compare policies for the best coverage.

Factors Affecting Yamaha Fascino Insurance Price

The Yamaha Fascino insurance price depends on several factors, such as:

Insured Declared Value (IDV): The present market value of your Yamaha Fascino.

1. Policy type: Whether you opt for third-party insurance or comprehensive two-wheeler insurance.

2. Add-ons selected: Zero depreciation, consumable expenses, return to invoice, roadside assistance, and others.

3. Location: Insurance premiums may vary depending on where the vehicle is registered.

4. Cubic capacity: The Yamaha Fascino 125cc engine affects the premium slab.

5. No Claim Bonus (NCB): Online savings offered by Bajaj General Insurance if no claim is made in the previous policy year.

You can easily calculate the Yamaha Fascino insurance premium using the online premium calculator available on the official Bajaj General Insurance website.

Key Features of Yamaha Fascino Covered by Insurance

The Yamaha Fascino 125 is popular for its lightweight body, stylish design, and efficient Blue Core fuel-injected engine. Bajaj General Insurance ensures that these features remain protected by offering insurance that covers:

1. Accidental damage repairs

2. Engine replacement in case of damage

3. Compensation for theft or total loss

4. Liability protection under Third Party Bike Insurance

5. Optional add-ons to enhance protection

It is essential to renew the Yamaha Fascino insurance to keep the coverage valid and legally compliant. The Yamaha Fascino insurance renewal process is quick and can be done online. Owners are only required to enter some details and make the payment. Timely renewal ensures uninterrupted protection and peace of mind while riding the bike.

Steps to renew Yamaha Fascino bike insurance:

1. Visit the official Bajaj General Insurance website.

2. Enter your Yamaha Fascino registration number or policy details.

3. View available two-wheeler insurance plans and add-ons.

4. Choose the plan that suits your needs.

5. Pay securely online and download your renewed policy instantly.

Timely Yamaha Fascino insurance renewal also ensures you do not lose your No Claim Bonus.

Add-On Covers for Yamaha Fascino Insurance

To strengthen your base policy, Bajaj General Insurance offers several add-ons. These optional covers help you customise protection according to your riding habits. Popular add-ons include:

1. Zero Depreciation Cover: Ensures you get the full cost of replaced parts without depreciation deductions.

2. Consumables Cover: Covers costs of consumables like engine oil, brake fluid, and nuts, which are normally excluded.

3. Roadside Assistance Cover: Provides services like towing, fuel delivery, and on-site repairs in case of breakdown.

4. Personal Accident Cover: Extends financial security to the owner, rider and passengers.

5. NCB Protect Cover: This add-on protects your No Claim Bonus, ensuring your renewal discount stays intact even if you make a claim on your two-wheeler insurance.

6. Engine Protection: Covers internal engine damage like water ingress, gearbox failure, or lubricant leakage, ideal for flood-prone areas or high-end bikes not covered under standard insurance.

Benefits of Buying Yamaha Fascino Insurance Online

When you buy Yamaha Fascino insurance from Bajaj General Insurance online, you enjoy:

1. Quick comparisons: Easily evaluate different plan options to choose the best coverage

2. Hassle-free process: Buy or renew your policy online without lengthy paperwork

3. Secure payments: Make payments safely through trusted digital gateways

4. Instant policy issuance: Receive your policy documents immediately after purchase

5. 24x7 support: Get assistance anytime through dedicated customer care

6. Paperless documentation: Contribute to the environment with fully digital records

7. Wide cashless garage network: Avail repair services conveniently at more than *7200 partner garages without upfront cash payment

A comprehensive Yamaha Fascino bike insurance policy from Bajaj General Insurance covers:

1. Accidental damage to the insured vehicle

2. Theft or total loss of the scooter

3. Natural calamities like floods, earthquakes, and cyclones, or man-made disasters like riots

Third-party liabilities, including property damage, injury, or death

4. Personal accident cover for the owner rider In-Transit Damage

Exclusions of Yamaha Fascino Insurance

It is important to know what is not covered under Yamaha Fascino insurance. Common exclusions are:

1. Intentional damage caused to the bike

2. Normal wear and tear of vehicle parts, or by racing and speed testing or illegal stunts that can damage the bike

3. Unauthorised vehicle modifications

4. Illegal activities, such as riding without a valid license or under the influence of alcohol or drugs

5. Using the two-wheeler for illegal activities

6. Damage caused outside the geographical limits of India

7. War-related damages Accident caused by overloading the vehicle

Filing a claim is simple and transparent with Bajaj General Insurance. Here are the steps:

1. Inform Bajaj General Insurance immediately after the incident.

2. Provide policy details and accident information.

3. Submit required documents such as the claim form, FIR (in case of theft), bills, and repair estimates.

4. Get your Yamaha Fascino inspected by the company surveyor.

5. Once approved, claims are settled directly in case of cashless garages or reimbursed to you in case of non-network garages.

Yamaha Fascino RTO Charges and Insurance Link

The RTO charges for Yamaha Fascino include registration charges, road tax, number plate fees, and sometimes handling charges. The amount varies by state and vehicle category. These charges are separate from the insurance premium, as the premium covers risks like accidents, theft, third-party liability, and damages. However, both registration and valid two-wheeler insurance are mandatory before riding your scooter on the road.

Tips to Reduce Yamaha Fascino Insurance Premium

With Bajaj General Insurance, you can lower your Yamaha Fascino insurance premium without compromising coverage by following these tips:

1. Set the Correct IDV: Choosing the right Insured Declared Value (IDV) ensures your Yamaha Fascino insurance price is fair. A balanced IDV keeps your premium reasonable while providing adequate coverage.

2. Opt for a Higher Voluntary Deductible: By selecting a higher voluntary deductible, you agree to bear a portion of the claim yourself. In return, the insurer reduces your premium, helping you save on yearly payments.

3. Install Safety Devices: Bikes equipped with anti-theft devices, disc locks, or alarms may qualify for discounted premiums, as insurers consider them lower-risk vehicles.

4. Avoid Small Claims to Build NCB: No Claim Bonus (NCB) is a discount for not making any claims during the policy year. Avoiding small claims can increase your NCB, significantly lowering your premium in subsequent years.

By following these simple measures, you can effectively manage and reduce your Yamaha Fascino insurance premium while still ensuring comprehensive protection for your bike.

There are many reasons why Yamaha Fascino owners trust Bajaj General Insurance, such as:

1. Wide range of two-wheeler insurance plans tailored for Yamaha Fascino.

2. Affordable premium options with flexible coverage.

3. An extensive cashless garage network across the country.

4. Fast claim settlement ratio with transparent processes.

5. Strong reputation and reliability of Bajaj General Insurance in the insurance industry.

6. Digital tools, like a premium calculator and policy tracker, for customer convenience.

Data as on 12/2025