KTM Two Wheelers Insurance

  • Parent company of KTM Group, consists a number of motorcycle brands
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  • Largest motorcycle manufacturer in Europe for 4 consecutive years
  • Known for off-road motorcycles

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KTM AG is an Austrian motorcycle as well as sports car manufacturer owned by Pierer Mobility AG and Indian Manufacturer Bajaj Auto. Bajaj Auto limited of India started its gradual acquisition of KTM in the year 2007 and initially in November acquired 14.5% in KTM Power Sports AG. Eventually, it managed to acquire 47% of the KTM. Currently, KTM and Bajaj manufacturers sell RC 390, Duke 390, RC 200, Duke 250, and Duke 200 motorcycles in India.

Formerly known as KTM Sportmotorcycle AG, KTM AG is the first name that comes into the minds of many when talking of off-roads bikes. Formed in 1992, the company traces its foundation in 1934. Today, the company is a parent company of KTM Group that consists of numerous motorcycle brands. KTM AG is the largest motorcycle manufacturer in Europe and is globally recognised as one of the leading off-road motorcycle manufacturers.

KTM AG is known for its off-road motorcycles like motocross,enduro, and supermoto. The company expanded into street motorcycle production from late 1990s and has now expanded into street motorcycle production and development of sports cars like the X-Bow. KTM AG sold as many street bikes as off-road bikes in the year 2015. In 2016, KTM AG sold as many as 203,423 motor vehicles across the globe.

Ktm Bikes Insurance Premium Price

ModelVariantIDVZero Dep (in INR)Gross Premium (in INR)
KTM 390 DukeSTD 210800 NA 5732
KTM 125 DukeSTD 93619 NA 1067
KTM RC 125STD 49000 NA 1203
KTM RC 200STD 126078 NA 2315
KTM 200 DukeSTD 105230 NA 2404
KTM 250 DukeSTD 126722 NA 3016
KTM RC 390STD 183681 NA 6000
The above-mentioned premiums are suggestive and may change basis terms & conditions

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Add-ons For Your Ktm Bike Insurance

  • Zero Depreciation

    Like other assets, the value of your two wheeler also depreciates constantly with time and the liability of this expense by default rests with the policyholder. A zero depreciation add-on protects you against the depreciation expenses incurred by your bike. Thus, if you opt for a zero depreciation cover, depreciation expense of your bike is not deducted from your claim amount at the time of a claim settlement. This add-on is available with comprehensive bike insurance plans as well as standalone bike insurance plans. This is one of the most popular and recommended bike insurance add-on covers.

  • Invoice Protection

    In case of total loss (more than 70% damage) or theft of your bike, the insurance company pays you the Insured Declared Value of your bike as compensation. However, this Insured Declared Value (IDV) is less than the invoice price which you pay at the time of purchasing your bike. The Invoice Protection add-on cover helps you claim the Invoice Price, i.e. total ex-showroom price of your bike plus taxes plus registration charges, of your bike in case of total loss or theft of your bike.

  • NCB Cover

    No Claim Bonus is the reward which is given to the policyholder for not making any claim during the policy period. This reward is offered by the insurer in the form of a discount on the own-damage premium of the bike insurance policy at the time of policy renewal. The NCB ranges from 20% to 50% of the own-damage premium depending on the number of claim-free years. However, if you make even a single claim during the policy period this NCB gets lost. But, with the NCB Cover, you can keep your NCB intact even after making a claim during the policy period.

  • Engine Protection Cover

    The damages incurred by the engine of the two wheeler are by default not covered under a bike insurance policy. However, if you opt for an Engine Protection Cover, the insurer will be liable to compensate you for damages incurred by the engine of your bike such as damage due to leakage of lubricants, water ingress, hydrostatic lock, damaged gearbox, broken crankshafts or pistons and cylinders. The repair cost of the internal engine parts is often high and can sum up to thousands of rupees or more. Thus, addition of this add-on to your comprehensive or standalone 2 wheeler insurance policy can save you from these expenses.

Ktm Bike Insurance User Reviews

What users are saying


  • How long does it take to renew a Ktm bike insurance?

    You can get your bike insurance renewed in just 5 minutes with InsuranceDekho.

  • Which all insurance add-ons should I buy for Ktm bikes?

    The popular insurance add-ons opted with bikes include zero depreciation add-on, consumable cover and NCB (No Claim Bonus) cover among others.

  • From where can I purchase insurance for my Ktm bike?

    You can visit our website insurancedekho.com, compare all available premium quotes for Ktm bikes and select the one which best suits your requirements. With InsuranceDekho, get policy issued instantly.

  • Which insurer has the best claim settlement ratio for Ktm bikes?

    Acko General Insurance, Bharti AXA General Insurance and ICICI Lombard General Insurance are among the bike insurers who have registered impressive claim settlement ratio for Ktm bikes.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.