Honda XBlade Two Wheeler Insurance

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Honda Motorcycles & Scooters India (HMSI), the 100% Indian subsidiary of Honda Motor Company, is known for their reliable, affordable, and innovative bikes and motorcycles. They manufacture a wide range of two-wheelers which has taken the country by storm. Honda has now launched the new Honda XBlade model with two variants. They come with a powerful BS6 162.71cc engine with tubeless tyres and alloy wheels.

Packed with features, the Honda XBlade is now available in four attractive colours with two variants - Honda XBlade Disc and Honda XBlade Dual Disc. They are priced at INR 1,07,851 and INR 1,12,241 respectively. (ex-showroom Delhi)

Key Specifications of Honda XBlade

Honda XBlade comes with a powerful 162.71cc single cylinder, air-cooled, fuel-injected, and counterbalanced engine which promises a good performance. It gives out 10.2kW power and a peak torque of 14.7 Nm, which is 0.7Nm more than its predecessor, the Unicorn. It comes with a five-speed gearbox for easy gear shift. It comes with an option of 220mm disc or 130mm drum disc at the rear with a 276mm disc brake at the front.

Honda XBlade now has a sharp, chiseled look with a sculptured tank, sharp front, LED head and taillights making it one of the smartest in its class. It has comfortable longer seats for staying upright and going on long journeys. Equipped with a digital instrument cluster, hazard switch, dual petal disc brakes with ABS, it is marked as one of the safest bikes.

Some Other Key Features Include

  • 160cc fuel-efficient engine
  • 130-section rear type for superior grip
  • Dual outlet muffler
  • Long comfortable single-piece seat
  • Hazard light switch
  • Robo-face headlamp design

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 XBlade Review

Both variants of Honda XBlade have great performance and mileage. At 52 kmpl mileage, it has a fantastic grip on-road, good pick-up, and does not show any vibrations even at 100kmph speed. The hazard switch is also a worthy and useful addition to the bike. It has long, comfortable seats which allows one to go on riding the bike for longer stretches of time. The fully digital instrument cluster, aggressive LED headlamp, and robotic front, gives it a stylish yet tough look. The bike is also perfectly suitable for both city roads and highways.

Overall, the Honda XBlade is a good purchase considering the features it has and the affordable price it is available in.

Honda XBlade Insurance FAQs

  • 1. I recently purchased Honda XBlade and have decided to get an insurance policy for the same. What is the No-claim Bonus (NCB) mentioned in the policies?

    Motor policy for old bikes is for one year and for new ones in 3 years.

    No-claim Bonus or NCB refers to the additional benefit that the insured gets in case there are no insurance claims filed against the insured two-wheeler. NCB for two-wheelers gets reduced after one claim thus for not making a claim of up to 5 consecutive years, your accumulated NCBs are up to 50%, hence you can get great discounts in your next policy premium. 

  • 2. My Honda XBlade has met with some damages. I have a proper insurance policy for my bike. Which is the best time to register for an insurance claim for my two-wheeler?

    Bike insurance should be claimed or registered immediately after the accident or incident. For Theft/Accidental Claims, intimation to both insurance companies and police should be given within 24 Hours.

    If it is delayed beyond 48 hours, a written clarification should be given to the insurance company. However, the company is not liable for any damage that has occurred due to delay in registration or failure to produce the vehicle during survey.

  • 3. I have to register an insurance claim for my Honda XBlade. Can someone tell me which documents to carry while registering the claim?

    The following are the documents and details that are needed during insurance claim registration - policy number, vehicle registration and engine number, caller details i.e. relation to insured, date, time and place of incident, loss type i.e. own damage, TP, theft, PA claim or any injury has been sustained in accident, if incident is reported to police, GD or FIR number, driver name and claim number.

  • 4. My new Honda XBlade got stolen last night. How do I register an insurance claim from an existing insurance policy?

    First, you have to file an FIR with your nearest police station. You have to submit a photocopy of the same, some documents, bike keys, and a non-traceable certificate to your insurance company. You can claim the full IDV amount in case your bike is stolen. 

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