KTM Two Wheeler Insurance

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KTM began its motorcycle operations in India by introducing the 200 Duke India. The 2-stroke and 4-stroke motorcycles for street and off-road riding are KTM's specialities. Johann (Hans) Trunkenpolz, an Austrian engineer, started it initially as a metal-working and locksmith firm in 1934. However, the business created its first motorbike prototype, the R100, in 1951. The R100 was then put into production in 1954. Here is all you need to know about the KTM two-wheelers.

Popular Two Wheeler Models of KTM

The 4 Sports Naked, 2 Sports, 2 Adventure Tourer, and 2 Off Road are among KTM's most popular models. Future KTM motorcycles in India include the KTM 890 Adventure, KTM 790 Duke, and KTM 890 Duke, all of which are scheduled to be on sale in 2022.

Some of the most popular and well-sold models of KTM are as follows:

KTM RC 200

The KTM RC 200 has been modified by KTM India with a BS6 engine. A 199.5cc, fuel-injected engine generates 25 horsepower and 19.5 Nm of torque. The suspension, chassis, and brake setup are identical to the BS4 model. There is only one type of RC 200.

KTM RC 125

A BS6 motorbike is now the KTM RC 125. The motorbike has a fuel-injected, 125cc engine that produces 15 horsepower and 12-newton metres of torque. It comes equipped with dual projector headlights, an LED taillight, and an LCD digital instrument panel.

KTM RC 390

The motorbike KTM RC 390 comes equipped with dual-channel ABS and 320mm front and 230mm rear disc brakes. A 373.2cc, fuel-injected, liquid-cooled engine that produces 43hp and 37 Nm of torque powers the BS6 RC 390. 

KTM 125 Duke

The 125 Duke, the smallest motorbike offered by KTM India, is now BS6 compliant. The 125cc, fuel-injected engine that powers the BS6 125 Duke is similar to the one used in the BS4 125 Duke. The bike has amenities including an LCD instrument panel and an LED taillight.

KTM 250 Adventure

The 250 Adventure is KTM's smallest ADV at this time in its whole product lineup. The 248.8cc liquid-cooled, single-cylinder engine that powers the 250 Duke also powers the KTM 250 Adventure. The engine is capable of producing 29.6 horsepower and 24 Nm of torque, respectively.

KTM 200 Duke

The KTM 200 Duke now complies with BS6. A 199cc, liquid-cooled, fuel-injected engine powers this BS6 200 Duke. It produces 25 horsepower and 19.5 Nm of torque. After all these adjustments, the 200 Duke weighs 9kg more than the BS4.

KTM 250 Duke

The KTM 250 Duke has the same 30 horsepower and 24 pound-feet of torque as the BS4 motor. The engine is coupled by KTM to a 6-speed transmission with a slipper clutch. Dual-channel ABS is included in both the front and rear 230mm and 300mm disc brakes on the motorcycle.

KTM 390 Duke

A 373.2cc engine with 43 horsepower and 37 pound-feet of torque powers the motorcycle. The 390 Duke comes with a colour TFT screen with bluetooth connectivity and an LED headlight. Dual-channel ABS is included with the 320mm front and 230mm rear discs on the 390 Duke.

What is Covered Under KTM Two Wheeler Insurance Policy?

  • Third-Party Losses: Should a third party suffer a loss, your KTM two-wheeler insurance will cover the ensuing financial and legal obligations.
  • Damages Caused by Fire: If your two-wheeler burns down, your KTM bike insurance will cover the costs of the repairs.
  • Vehicle Thefts: Should your two-wheeler become a victim of theft, your insurance coverage will take care of the issues.
  • Damages Caused by Accidents: Your KTM two-wheeler insurance coverage keeps you protected if your vehicle is damaged as a result of an accident.
  • Personal Accident: Your insurance will provide up to INR 15 lakh in compensation in the event that you are involved in an accident that results in harm or, sadly, death.
  • Damages Caused by Disaster, Natural or Man-Made: Your insurance coverage is beneficial when disasters like floods, hurricanes, hailstorms, tornadoes, riots, etc. target your two-wheeler.

What is Not Covered Under KTM Two Wheeler Insurance Policy?

  • Drunken Driving: If you were intoxicated or driving while intoxicated when the accident occurred, no insurance company can consider your claim.
  • A Policy that has Expired: If the insurance has expired, the claims will not be compensated.
  • Accident Caused on Purpose: If the accident was caused on purpose, the claim would be refuted.
  • Consequential Losses: Insurance policies do not cover consequential damages brought on by accident.
  • Depreciation: Damages brought on by routine excessive wear and tear, technical or electronic breakdown from travel.
  • Negligence: When you cause an accident via carelessness, you cannot claim damages.
  • Excluded Add-ons: The benefits which are not part of the policy cannot be claimed.

Benefits of KTM Two Wheeler Insurance

Having any category of insurance in present days is a must as it helps you protect your two-wheeler and yourself from the million foreseen damages and situations. It relieves the financial luggage from your shoulder. Here are some of the benefits that KTM two-wheeler insurance offers:

  • Protects the bike or its components in the event of an accident, collision, or theft. It covers the expenses.
  • In the event of physical harm or death, a bike insurance policy also protects the rider. If the driver passes away, the family is given compensation.
  • Expenses for repairs may also be paid if the two-wheeler is damaged.
  • Several additional expenses are covered by add-on bike insurance packages.
  • You can make a No Claim Bonus (NCB ) claim to receive reductions on renewed insurance plans.
  • When you buy KTM bike insurance online or renew your KTM motorcycle insurance policy, the procedure offered is fairly simple to operate.

Bike Insurance Renewal Process for KTM Two Wheeler Insurance

The procedure when you buy KTM bike insurance online or renew your KTM bike insurance is fairly simple, all you need to do is follow these instructions step by step:

The procedure for buying KTM bike insurance online:

  1. Log into https://paytminsurance.co.in/two-wheeler-insurance/ to renew your KTM bike insurance online.
  2. Fill in the bike number to proceed or details about the bike.
  3. Click on ‘Get Quote’ to opt for the plan of your choice for KTM two-wheeler insurance online. Choose from the third party only plan, comprehensive or standalone own damage plan and select the add-ons.
  4. Provide the details of your earlier policy to get continuity benefits.
  5. You will get a quote wherein you need to make a payment online for the KTM insurance price to renew your KTM two-wheeler insurance online.

KTM Two Wheeler Insurance Claim Process

Your two-wheeler insurance claim may be cashless, depending on the type of bike insurance plan you have, or you may have to pay the costs upfront before receiving reimbursement.

KTM Cashless Bike Insurance Claim Process

Regarding a cashless claim, the insurance company will pay the claim if the two-wheeler was transported to a connected garage after the collision.

KTM Reimbursement Bike Insurance Claim Process

However, if the two-wheeler needed to be fixed at a shop that wasn't in the network and you had to pay for it out of pocket, you can submit the invoices to your bike insurance provider. The company will evaluate and compensate you.

The list of paperwork you'll need to provide when filing a claim for your two-wheeler is provided below:

  • Policy documents
  • Properly completed claim form identification card
  • The claimant's ID and the bike's RC
  • In the case of theft or a third-party claim, a copy of the FIR
  • Original bills and receipts, along with surveyor’s approval

How to Buy KTM Bike Insurance Through Paytm Insurance?

Here is the process you need to follow in order to buy KTM motorcycle insurance online through Paytm Insurance:

  1. Open the Paytm portal through your browser of choice.
  2. Navigate to "All Services" and then choose "Insurance."
  3. Select the "Bike Insurance" option from the list of insurance packages.
  4. To receive many rates for bike insurance policies, enter the bike number. You can examine the terms and conditions, the level of coverage, and the cost.
  5. See whether there is a current policy for the bike. You may purchase extra bike insurance, view its tenancy and termination dates, and more.
  6. Through a number of insurance companies, Paytm Insurance provides a large selection of alternatives for bike insurance policies and two-wheeler policies.

KTM Two Wheeler Insurance FAQs

  • 1. Is purchasing a two-wheeler or bike insurance coverage required?

    Yes, one must purchase a third-party bike insurance as per Motor Vehicles Act, 1988. 

  • 2. Do bikes need to have five years of insurance?

    IRDAI has made it essential for every new two-wheeler to be provided with a 5-year insurance cover as a result of a Supreme Court decision in September 2018.

  • 3. What does bike insurance zero dep mean?

    When a claim is settled, the insurance provider does not take into account the deterioration of the parts of the bike or scooter if the policy has zero depreciation. It is an add-on that helps the policyholder in receiving the full compensation at the time of claim.

  • 4. What is an IDV in insurance?

    The highest claim your insurance company will pay in the event that your bike is stolen or beyond economical repair is referred to as the "IDV."

  • 5. What is an NCB discount regarding insurance?

    No-Claim Bonus (NCB) is a premium reduction provided by insurance companies if the owner of the vehicle has maintained a claim-free record during the duration of the policy for automobile insurance.

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