Honda Livo Two Wheeler Insurance

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It was only the iconic commuter offering, the Honda Livo, that changed things around the 110cc motorbike segment in India. The bike that has been ruling the 110cc segment for over years now has been revised and perfected over the years to give out a performance that is unmatched. The Honda Livo is a blend of aggressive looks and a design that has remained the same over the years. Lastly, the bike starts at a price of INR 86,000 (Ex-showroom price, Delhi), going all the way up to INR 95,000 (Ex-showroom price, Delhi).

Key Specifications of Honda Livo

Coming to the engine offering, the Honda Livo is available in two variants, both of which are powered by a 109.5cc air-cooled engine that is developed with fuel-injected technology for improved performance and is compliant with the BS6 emission norms. The engine offers a power output of 8.6hp besides churning out a peak torque unit of 9.3Nm. The engine comes paired to a five-speed transmission for improved reliability at operations and comes with a 9L tank. 

Coming to the list of offerings for the Honda Livo, the bike picks up on a sharp styling cue that is somewhat the essence of the model. Further, the Honda Livo gives out telescopic front forks in its front suspension and the rear is paired to dual springs that get adjustable preload on its rear. The bike that is at 115kg in its weight, comes with disc brakes at the front as standard, giving the users drum brakes for the rear. 

Some Other Key Features Include

  • Strong styling
  • Reliable engine
  • Sturdy chassis
  • Premium handling experience
  • Affordable maintenance
  • Comfortable ergonomics

What is Covered Under Honda Two Wheeler Insurance Policy

  • Third-Party Losses: In the unfortunate event of third-party loss, your policy will take care of the legal and financial liabilities.
  • Damages Due to Accidents: If your two-wheeler is damaged due to an accident, nothing to worry about as your two-wheeler insurance policy got you covered.
  • Vehicle Thefts: In case your two-wheeler is stolen, your two-wheeler insurance policy will look after the same.
  • Damages Caused in Fire: If your two-wheeler catches fire, your two-wheeler policy will pay for the damages.
  • Damages Due to Natural/Man-made Disaster:  When flood, hurricane, hail storm, tornado, riots, etc. attack your two-wheeler, your insurance policy comes in handy.
  • Personal Accident: In case you meet with an accident that leads to injuries or unfortunately death, your policy will offer compensation of up to INR 15 lakh.

Note: You will have to buy PA Cover separately. 

What is not Covered Under Honda Two Wheeler Insurance Policy

  • Drunken Driving: No insurance company will accept your claim if you were drunk or under an intoxicant when the accident happened.
  • Unauthorised Driving: Your claim will be rejected if the rider is without a valid Driver’s License.
  • Deliberate Accident: If the accident has been caused purposely, the claim will be rejected.
  • Consequential Damages: Consequential damages that are caused after the accident are not covered under insurance.
  • Negligence: An accident occurs because of your own negligence; you won’t be able to claim the damages.
  • Depreciation: Damages that are caused because of normal wear and tear, mechanical or electric failure due to travelling.
  • Expired policy: If the policy has lapsed, your damages will not be covered.
  • Excluded Add-Ons: You will not be able to claim the benefits that you do not have in your plan

How to Renew Your Honda Two Wheeler Insurance Policy

You can renew your Honda two-wheeler insurance policy in 5 easy and quick steps. 

Step 1 - Fill in your Name, Address, Mobile Number, Vehicle’s Make, Model, Variant, Registration Date & the city you ride in. 

Step 2- Press ‘Get Quote’ and choose your choice of Plan (Third-party liability, comprehensive, standalone own damage) or add-ons

Step 3 - Enter details of your previous insurance policy- Date of expiry, Claim made in the last year, No Claim Bonus earned

Step 4 - You will get a quote for your premium

Step 5- Make the final payment to renew your policy

Honda Livo Review

The Honda Livo is a reliable offering and can provide users with the best return on their price. The bike is reliable in terms of its performance and gives out effective returns for mileage and is the top seller in its segment. Considering the styling that has not been refreshed, ever since its release, the bike might seem a little left out in its appeal. However, the same cannot be said for the different colour dynamics that it is available in. Lastly, considering the Bajaj badge, the reliable performance, and its track record of sales makes the motorbike worth an option to go with. 

Honda Livo Insurance FAQs

  • 1. Does my bike need to meet a specific condition to be able to opt for a motorcycle insurance claim? If yes, what are they exactly?

    Usually, it is considered that a damaged motorbike will get a claim on it. However, when you are opting for an insurance claim, the present condition of your motorbike and its current value is what is taken into consideration.  

  • 2. While I have been the owner of a Honda Livo for over two years now, I somehow forgot to renew the policy of my motorbike and it has lapsed now. What are the steps that I need to do next?

    In case your insurance policy has collapsed, you need to contact your insurer to make sure that you have not passed the 90 days. However, in case you already have, we suggest you visit your insurer’s nearest office and request them to send an authorized surveyor to inspect your bike before renewing your policy. This way, you can either get a new policy or if your insurer allows then you can  renew your old insurance policy without any problem.

  • 3. I don’t use my bike much therefore, I am confused with what option of insurance I should go for. Should I try the long term or the short term?

    Since you don’t really use your bike a lot, we suggest you go for long term insurance as you won’t have to pay premiums for at least 2 or 3 years at a stretch.




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