Kawasaki Two Wheeler Insurance

India Kawasaki Motors Private Limited is a wholly-owned subsidiary of Kawasaki Heavy Industries Limited, Japan. The company commenced its operations in India in the year 2009 by launching the Ninja 250 and Ninja 650. At present, India Kawasaki Motors sells a total of 27 motorcycle models across 30 dealerships in the country.

Kawasaki is one of the leading motorcycle brands in the country and is known for producing sleek and edgy motorcycle models. Here, we will look at how you can protect your Kawasaki motorcycle by purchasing a bike insurance/two wheeler insurance policy.

Motorcycles Manufactured by India Kawasaki Motors

The motorcycles that are manufactured and offered to the Indian public by Kawasaki are as follows:

Ninja Series:

• Ninja H2R
• Ninja H2 Carbon
• Ninja H2
• Ninja H2 SX SE
• Ninja H2 SX
• Ninja ZX - 14R
• Ninja ZX – 10RR
• Ninja ZX - 10R
• Ninja 1000
• Ninja 650
• Ninja 400
• Ninja 300

Z Series:

• Z1000R
• Z1000
• Z900
• Z900RS
• Z650
• Z250

Vulcan Series:

• Vulcan S

Versys Series:

• Versys 650
• Versys-X 300

KX Series:

• KX 450F
• KX 250F
• KX 100

KLX Series:

• KLX 450R
• KLX 140G
• KLX 110

Insurance for Two-Wheelers from India Kawasaki Motors

As per the Motor Vehicles Act, 1988, it is mandatory to purchase a two wheeler insurance policy if you are a vehicle owner. Thus, if you have a Kawasaki motorcycle, you will need to insure it with at least a third-party liability insurance policy. That being said, it is recommended that you insure your bike with a comprehensive two wheeler insurance policy which will provide more protection to you and the vehicle. You can also enhance the policy by purchasing add-on covers that are offered by the insurance company for an extra premium. Some of the popular optional covers or add-ons that are offered by insurance providers are the Zero Depreciation/Nil Depreciation Cover, Personal Accident Cover for the Pillion Rider, etc.

Types of two wheeler insurance Policies Available for Kawasaki Motorbikes

If you are looking to purchase a two wheeler insurance policy for your Kawasaki motorcycle, it is necessary to first be familiar with the different types of motor insurance policies that are offered by insurance companies.

Third-Party Liability-Only Insurance Policy: In India, all motor vehicles are required to have a third-party insurance policy. This policy provides you coverage against legal liability that may arise due to an accident that has caused damage to a third party’s assets, bodily injury to a third party, or death of a third party. Individuals who purchase this policy will also be provided a personal accident cover that covers accidental death and permanent total disability, up to a certain sum insured that is specified by the insurance company.

Multi-Year or Long-Term two wheeler insurance Policy: A long-term two wheeler insurance policy provides coverage for a duration of 2 years or 3 years, as per the policy term that was chosen by the policyholder. Most long-term two wheeler insurance policies provide coverage against damage or loss occurring to the vehicle due to natural calamities or unforeseen man-made events. Further, the owner/rider of the vehicle is also provided a personal accident cover with a certain specified sum insured. Lastly, the long-term two wheeler insurance policy also provides coverage against third-party liability. The key benefit of this type of policy is that policyholders do not have to go through the hassle of renewing their policy every year. Further, certain insurance companies also offer discounted premium rates to individuals who opt for a longer policy term of 2 years or 3 years. Also, during the extended policy tenure, the third-party premium rate remains constant.

Comprehensive two wheeler insurance Policy: The comprehensive two wheeler insurance policy also provides significant coverage to the policyholder by covering vehicular damages, total loss of the vehicle, and third-party liability. A personal accident cover is also provided to policy buyers by insurance companies for this type of policy. However, unlike the long-term two wheeler insurance policy, this policy only offers coverage for a period of 1 year. Thus, policyholders will have to renew it on a yearly basis. As a result, the third-party premium rate, which is decided by the Insurance Regulatory and Development Authority of India, rises every year.

Exclusions under Two Wheeler Insurance Policies for Kawasaki Motorcycles

Some of the major exclusions under both third-party liability insurance policies and long-term/annual comprehensive bike insurance policies are listed below:

1. Third-Party Liability-Only Insurance Policy: Third-party liability insurance policies only offer basic coverage to policy buyers. Thus, these policies do not cover damages occurring to the policyholder’s vehicle and vehicle theft. The policy might also have a few other exclusions as per the insurer’s terms and conditions.
2. Comprehensive two wheeler insurance Policy: Comprehensive two wheeler insurance policies, be it an annual comprehensive two wheeler insurance policy or a long-term two wheeler insurance policy have the following general limitations:

• Any damage caused to one’s own vehicle due to general ageing
• Consequential loss and depreciation
• Electrical and mechanical breakdown
• Not using the vehicle in accordance with the policy’s terms and conditions and the limitations of use
• Accidents caused by an individual who was driving under the influence of alcohol or drugs
• Accidents caused by a rider who was driving without a valid driving licence
• Damages caused to the vehicle due to mutiny, war, and nuclear risk

Why is it Necessary to Insure Your Kawasaki Motorcycle?

A two wheeler insurance policy offers many benefits to policyholders. Thus, if you have a Kawasaki motorcycle, you should certainly purchase a two wheeler insurance policy for your vehicle. Individuals who require a limited coverage can purchase the third-party liability-only insurance policy, whereas those who have higher coverage needs can opt for the comprehensive two wheeler insurance policy and also purchase add-ons offered by the insurer.

A significant benefit of having a two wheeler insurance policy is that policyholders can avail cashless facility in the event of an accident or vehicular damage at a network garage in a hassle-free manner, and, thereby, reduce out-of-pocket expenses.

Prospective policy buyers can purchase two wheeler insurance policies through both online and offline channels. However, before purchasing a policy through either of these channels, it is necessary to do your own research to find a motor insurance policy that is well suited to your needs. Make sure to compare the features of a few policies and the premium quotes by using the two-wheeler premium calculator tool on the official websites of insurance providers or third-party insurance websites.

Once you have purchased a two wheeler insurance policy, you will need to renew the policy before the specified date to continue enjoying the benefits of the policy. Policyholders can renew their insurance policies online through the insurer’s official website or through third-party insurance websites. You can also choose to renew your bike insurance policy by visiting the insurer’s office directly.