TVS Scooty Pep+ Two Wheeler Insurance

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Producing over 40 lakh two-wheelers every year, TVS Motors is India’s 3rd biggest two-wheeler and motorcycle company. 43-year-old TVS Motors is the flagbearer of the Make In India movement. Headquartered in Chennai, the company employs more than 5000 employees and clocked INR 18,000 crore revenues in 2020. 

TVS makes two-wheelers and three-wheelers, catering to every segment and demographic. While their top-end motorcycles are marketed to bike lovers and adventurists, their mopeds are marketed heavily in tier 2 and tier 3 cities. 

In the niche of scooters, TVS Scooty Pep+ is one of their most popular products, which has been designed and manufactured keeping female riders in focus. 

Key Specifications of TVS Scooty Pep+

TVS has claimed that their Pep+ scooty is right now India’s most economical scooter, with 15% higher mileage than other scooters in the same segment. Powered with an EcoThrust engine with multicurve ignition system, riders can experience improved pickup, and reduced friction, which converts to higher mileage and a great riding experience. 

Keeping in mind the niche requirements of female riders, Pep+ scooty has a new front glove box, EaZy (patented) center stand which reduces the effort to put the scooter on stand by 30%, and a USB mobile charging facility. The engine’s displacement is 87.8cc, generating a maximum power of 4kW@6500 RPM with maximum torque of 6.5Nm@ 3500 RPM.

Besides, there is no dearth of style quotient as well, with a 3D premium logo (matte series), special pattern seats, and automatic DRL LED lamps.

Some Other Key Features of TVS Scooty Pep+

  • Single cylinder, 4-stroke engine with fuel injection
  • Engine with Spark ignition and ETFI technology
  • ECU controlled ignition system
  • 1230 nm wheelbase
  • 135 nm ground clearance
  • Available in 7 colors: Aqua Matte, Coral Matte, Revving Red, Frosted Black, Glittery Gold, Nero Blue, and Princess Pink
  • Base variant (Glossy) is priced at INR 54,374
  • The top variant (Matte) is priced at INR 56,224
  • All prices are ex-showroom, New Delhi

What is Covered Under TVS 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 TVS 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 pla

How to Renew Your TVS Two Wheeler Insurance Policy

You can renew your TVS insurance policy for two wheeler 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

TVS Scooty Pep+ Review

TVS has this knack of feeling the pulse of their customers, and with Pep+, they have almost hit the bull’s eye. Scooter riders, especially women, simply love this light-weight scooty, which can zip across the congested roads and has the powerful capability to beat the traffic as and when required. Exceptionally high mileage makes it an economical scooter, and a not-so-high price point makes it affordable as well.

Some reviewers have complained about the hard suspension, and the inability of Pep+ to endure long rides on highways. But again, this scooty has been made for urban mobility, for covering short distances in lesser time, while spending less money per kilometer.

Overall, a great value for money product from the dependable house of TVS Motors.

TVS Scooty Pep+ Insurance FAQs

  • 1. Well, I am devastated! My 2-year old Pep+ has been stolen! What to do next?

    Relax, and calm down. First of all, go to the police station, and immediately file an FIR over the theft. If you are travelling, then find the nearest police station. Take the copy of the FIR, and the documents required for filing the claim, and approach your insurance provider immediately.

  • 2. How much money will be compensated, in case of the theft of the vehicle?

    In case of a theft, you can claim the full IDV or Insured Declared Value of the vehicle from the insurance provider. 

  • 3. What exactly is IDV?

    IDV is Insured Declared Value, and this is the amount which the insurance provider will give to you, in case the vehicle is stolen, or completely damaged due to any reason as mentioned in the policy documents. 

    IDV is calculated based on the current market value of the vehicle, and it goes down every year, due to depreciation. For vehicles older than 4 years, depreciation upto 50% can be incurred while calculating IDV. And for vehicles which are less than 6-months old, upto 5% can be devalued for depreciation. 

    Lower the IDV, lower is the insurance premium.

  • 4. Which factors are considered while determining IDV?

    Besides the current market value, and the depreciation factor based on the age of the vehicle, the following factors are considered for determining the IDV:

    • Fuel type of the vehicle
    • City of registration
    • Made and model of the vehicle
    • Registration date
    • Bike insurance policy terms and conditions
  • 5. What documents are needed for filing an insurance claim?

    First and foremost, a duly filed claim form is required, along with the FIR copy (if the vehicle is stolen). Besides, you will need a copy of the registration papers, policy documents, copy of driving license, PUC certificate, estimated loss incurred, bills of any expenses made in case of repairs and dents.

  • 6. Are natural calamities and man-made disasters covered under two-wheeler insurance?

    Yes, most of the insurance providers do cover natural calamities like floods, earthquakes and man-made disasters like terrorist attacks, strikes, riots,etc. 

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