KTM Bike Insurance

For KTM bike enthusiasts, securing a bike insurance plan is vital for protecting both the bike and the rider. KTM bikes are known for their high performing engines, innovative design, and high-performance capabilities, making comprehensive insurance an essential investment. SBI General Insurance provides KTM Bike Insurance options that are tailored to meet the specific needs of KTM bike ow Read More...

KTM Bike Insurance

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Customers Served:
24Cr+
Network Garages:
17,159
Claims Settled:
99.3%*

Popular KTM Two Wheeler Models & Prices

KTM offers a range of popular two-wheeler models that cater to different riding preferences. Some of the most sought-after models include:

Model Name	Ex-Showroom Price (INR)	Mileage (kmpl)
KTM 125 Duke	₹1.75 - 1.81 Lakh	48
KTM 200 Duke	₹1.99 - 2.04 Lakh	35
KTM 250 Duke	₹2.41 - 2.49 Lakh	30
KTM 390 Duke	₹2.96 - 3.13 Lakh	28.9
KTM RC 125	₹1.90 - 1.91 Lakh	41
KTM RC 200	₹2.14 - 2.20 Lakh	35
KTM RC 390	₹3.18 - 3.21 Lakh	31
KTM 390 Adventure	₹3.40 - 3.64 Lakh	30

These models are not only popular for their performance but also for their stylish designs and advanced features. The KTM RC 390, for instance, is equipped with a liquid-cooled engine, dual-channel anti braking system (ABS), and a trellis frame, making it a top choice for sportbike enthusiasts.

The KTM 200 Duke, on the other hand, is favored for its lightweight chassis and responsive handling, making it perfect for city commuting. Understanding the prices and features of these models can help you make an informed decision when purchasing a KTM bike.

Inclusions of KTM Bike Insurance

KTM Bike Insurance provides comprehensive coverage to protect your bike against various risks. The inclusions typically cover:

Accident Coverage: Protects against accidental damages caused during riding.
Theft Protection: Provides compensation in case of bike theft.
Fire & Natural Calamities: Includes protection against fire and damages caused by natural disasters like floods, storms, and earthquakes.
Man-Made Disasters: Covers damages due to riots, vandalism, and other man-made events.
Third-Party Liability: Compensates for any injuries or damages caused to third parties.
Personal Accident Cover: Ensures financial support in case of injuries to the rider.

By understanding the inclusions of KTM bike insurance, you can ensure that you have adequate protection for your bike and yourself.

Exclusions of KTM Bike Insurance

While KTM bike insurance offers extensive coverage, certain exclusions apply. These exclusions typically include:

Illegal Activities: Damages incurred during illegal activities or while under the influence of alcohol/drugs.
Regular Wear and Tear: Natural depreciation and mechanical breakdowns are not covered.
Unauthorized Geographical Limits: Incidents occurring outside the specified region in the policy.
Riding Without a Valid License: Damages occurring if the rider is unlicensed.
Pre-Existing Damages: Damages or malfunctions present before policy purchase.
Intentional Damages: Deliberate damage to the vehicle.

Other common exclusions include damages caused by war, nuclear risks, and intentional damage. It’s also important to note that any pre-existing damages or mechanical failures are not covered under the policy.

Being aware of these exclusions can help you avoid situations where your claim might be denied. Always read the policy document carefully to understand the full scope of coverage and exclusions.

Disclaimer: The above list of inclusions & exclusions is illustrative and not exhaustive. For a full list of the exclusions, please refer to the policy wordings.

Related Blog: Why Is It Mandatory to Have Bike Insurance in India?

KTM Bike Insurance: Add on Covers

To enhance the protection offered by KTM Bike Insurance, several add-on covers are available.

Zero Depreciation Cover: Full claim settlement without depreciation deductions.
Return to Invoice Cover: Pays the difference between the bike’s insured value and the original invoice value in the event of total loss.
Engine Protection Cover: Covers water ingress and oil leakage damages.
Roadside Assistance: Provides support during unexpected breakdowns or emergencies.
Consumables Cover: Reimburses the cost of consumables like engine oil, nuts, and bolts.

Other valuable add-ons include personal accident cover for pillion riders is another useful add-on, providing financial protection for the passenger.

By selecting the right add-ons, you can customize your KTM bike insurance policy to suit your specific needs and ensure comprehensive protection.

Reasons to Buy KTM Bike Insurance

Purchasing a bike insurance policy is essential for several reasons.

Financial Protection: Reduces out-of-pocket expenses by covering repair and replacement costs.
Legal Requirement: Third-party insurance is mandatory under Indian law.
Enhanced Resale Value: Increases the bike’s resale value by maintaining it in top condition.
Cashless Garage Network: Facilitates hassle-free repairs across a network of cashless garages.
Peace of Mind: Enjoy the freedom of riding without worrying about unexpected damages.

Another important reason to buy KTM bike insurance is the protection it offers against third-party liabilities. In case of an accident where you are at fault, the insurance covers the cost of damages or injuries caused to the third party. This can save you from significant financial burden and legal complications. Moreover, having a valid bike insurance policy is a legal requirement in India, and riding without it can result in hefty fines and penalties.

How to Buy KTM Bike Insurance Online?

Purchasing insurance for your KTM bike online is quick and easy:

Enter Your Details: Go to the official website or mobile app, then provide your information to get a quote for your KTM bike insurance.
Choose Coverage and Add-Ons: Customize your policy by selecting the coverage options that fit your needs, along with any add-ons for extra protection.
Make Payment: Complete your payment online, and your two wheeler insurance policy will be sent directly to your email.

Related Blog:Top 5 Advantages of Bike Insurance

How to Renew KTM Bike Insurance?

The process to renew your KTM bike insurance is hassle-free. Just follow these instructions:

Download the Mobile App: Install the SBI General Insurance app from the Play Store or App Store and log in with your mobile number.
Select the Renewal Option: Find your KTM bike policy under the service tab, and review the coverage information along with any available add-ons.
Update Your Information: Make any necessary changes, such as updating your address or noting any modifications made to your bike.
Review and Make Payment: Check the renewal premium, apply any eligible discounts, and complete your payment to receive your updated policy via email.

How to Raise KTM Bike Insurance Claim Online?

Filing a claim for your KTM bike insurance online is a straightforward experience.

Download the SBI General App or visit our official website to get started.
Claim Registration: Provide the required details to notify us about the incident promptly.
Submit Documents: Upload the necessary documents to facilitate the survey and inspection process.
Repair Approval: Our team will review the case and approve the repairs as needed.
Vehicle Collection: Once repairs are complete, we’ll settle the costs directly with the authorized garage for your KTM bike.

Why Go for SBI KTM Bike Insurance?

For KTM bike enthusiasts, SBI General Insurance offers reliable protection. Here’s why it’s a top choice:

Comprehensive Protection: SBI General Insurance provides broad coverage, protecting your KTM bike from various risks, including accidents, theft, and natural disasters.
Streamlined Claims Process: SBI’s quick claims settlement process ensures minimal delays.
Affordable Premium Options: Competitive premiums make SBI General Insurance an attractive choice for KTM bike owners looking for value-driven insurance.
Personalized Add-Ons: Options like engine protection and roadside assistance let you customize the policy to your needs.

Key Features of KTM Bikes

➔High-Performance Engines: KTM bikes have powerful engines, such as the 398.63 cc in the Duke 390, producing 46 PS and 39 Nm of torque, providing exceptional power.

➔Lightweight Chassis: The steel trellis frame promotes agility and precise handling, making KTM bikes easy to maneuver.

➔Digital Displays and Connectivity: TFT (Thin Film Transistor) displays on many models deliver real-time data, enhancing the overall riding experience.

➔Rider Safety Aids: Motorcycle Traction Control (MTC), Quickshifters, and ABS (Anti-lock Braking System) improve safety and control.

➔High-Quality Suspension: Equipped with WP APEX forks, KTM bikes can handle various landscapes, offering superior control and comfort.

Frequently Asked Questions About KTM Bike Insurance

Yes, it is essential to insure your KTM bike. As per Indian law, third-party two wheeler insurance is mandatory for all vehicles. Additionally, comprehensive bike insurance provides extensive coverage against various risks, ensuring financial protection and peace of mind.

Buying bike insurance online for your KTM bike is a quick process. It typically takes around 10-15 minutes to complete the entire process, from entering your bike details to making the payment and receiving the policy document.

Yes, you can renew your bike insurance online for your KTM bike. Visit the insurer’s website, enter your policy details, review the coverage, and make the payment. The renewed policy document will be emailed to you instantly.

To renew KTM bike insurance, visit the insurance provider’s website and log in to your account. Enter your existing policy number and review the coverage details. Make any necessary changes, such as adding or removing add-ons. Proceed to make the payment, and the renewed policy document will be sent to your registered email address.

Disclaimer: The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.

*The figures are based on Public Disclosure Reports published for FY2023-24. Claim Settlement Ratio of 99.3% pertains to Motor Own Damage for the Financial Year 2023-2024 and the same is calculated using the formula - Claim Settlement ratio= (Claims Settled + Claims Closed) / (Claims Reported) x 100.

SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.

*T&C Apply