Buy Scooty Insurance

Scooters have become the go-to choice for urban riders looking for convenience and affordability. But just like any other vehicle, your scooty needs insurance.

Scooty insurance is essential not only to cover any damage or loss but also because it’s legally required. With so many options online, how do you choose the best one?

This guide will help you figure out why scooty insurance matters, compare top providers, and choose the best policy for you.


Having scooty insurance is all about safeguarding yourself and others. Here’s why it’s essential:

  1. Legal Requirement: According to Indian law, every vehicle on the road must have third-party insurance. Without it, you risk fines and even jail time.
  2. Financial Safety: Accidents happen. Insurance covers you for repairs or even replacement costs, helping you avoid huge out-of-pocket expenses.
  3. Protection Against Theft: Scooters, especially in urban areas, can be prone to theft. Comprehensive insurance policies offer coverage in case of theft, so you’re not left empty-handed.
  4. Natural Disasters and Fire: Some policies protect your scooty from damages caused by natural events or fire.
  5. Peace of Mind: When you know you’re covered, you can ride with confidence, focusing more on the road and less on “what ifs.”

Benefits:

  • Accident Protection: Covers you and third-party damages if there’s an accident.
  • Theft Coverage: Replaces your scooty if it’s stolen, helping you avoid financial loss.
  • Customizable Add-Ons: Choose add-ons like zero depreciation or roadside assistance for more personalized coverage.
  • Cashless Repairs: Partnered garages mean you get repairs done without paying out of pocket.

Drawbacks:

  • Additional Premiums for Add-Ons: While add-ons enhance coverage, they come at an additional cost, which may increase your premium.
  • Policy Exclusions: Not all damages are covered; for example, many policies don’t cover normal wear and tear.
  • Claim Process Time: Some insurers can have lengthy claim processes, so it’s essential to check reviews.

  1. Third-Party Insurance: This is the minimum legal requirement and covers only third-party damages, not damages to your scooty.
  2. Comprehensive Insurance: This type includes third-party liability plus own-damage cover, providing protection for both you and others involved.
  3. Zero Depreciation Cover: An add-on that ensures you get the full claim amount without deductions for depreciation on parts.
  4. Roadside Assistance: Provides immediate assistance if you break down in the middle of a journey.

Insurance ProviderKey BenefitsPremium PriceRating (out of 5)
HDFC ERGOComprehensive plans, zero depreciation add-onModerate⭐⭐⭐⭐⭐
ICICI LombardExtensive garage network, good customer serviceSlightly higher⭐⭐⭐⭐
Digit InsuranceFast, paperless process, low premiumsBudget-friendly⭐⭐⭐⭐⭐
Bajaj AllianzCovers natural calamities, quick claims processModerate⭐⭐⭐⭐
Reliance GeneralLow-cost options, basic coverageAffordable⭐⭐⭐

  1. Research: Check various providers online, read reviews, and see what each has to offer.
  2. Compare Policies: Look at premium prices, features, add-ons, and cashless garages.
  3. Choose the Right Coverage: Opt for a plan that covers both third-party and own damage.
  4. Enter Your Details: Go to the provider’s website, enter your vehicle details, and choose add-ons.
  5. Review Terms and Conditions: Ensure you understand what’s covered and excluded.
  6. Make Payment: Pay securely online to get your policy instantly.

  1. Understand Coverage Limits: Check the fine print on what damages are covered and what aren’t.
  2. Add-Ons Suitability: Add-ons like zero depreciation or engine protection add value but may not be essential for all scooters.
  3. Network of Cashless Garages: More garages in your area means easier repairs.
  4. Claim Settlement Ratio: Higher ratios suggest smoother claim processes.
  5. Customer Reviews: See what existing customers say about the provider’s support, claims, and service quality.


Although third-party insurance is the legal minimum, comprehensive insurance offers much more. While third-party only covers others’ damages, comprehensive insurance protects your own scooty too, making it worth the extra premium. Plus, add-ons like roadside assistance, zero depreciation, and engine cover help you tackle unexpected events.


For an all-rounder plan, HDFC ERGO or ICICI Lombard are ideal options with comprehensive coverage, add-ons, and extensive garage networks. If you’re on a budget, Digit Insurance is a good choice with low premiums and an easy online process. But remember, the “best” policy depends on what’s right for you. If you use your scooty frequently in the city, comprehensive plans with add-ons are worth it for peace of mind. For occasional riders, a basic comprehensive plan might be enough.

Pro Tip: Don’t skip out on insurance. Riding without coverage not only risks hefty fines but also leaves you financially vulnerable. Find a plan that fits, and let your scooty hit the road worry-free!


Can I buy scooty insurance online?

Yes, almost all insurers offer online policies. It’s fast, convenient, and often comes with discounts.

How much does scooty insurance cost?

The cost varies based on coverage type, model, and add-ons but starts around ₹500 for third-party policies.

What documents do I need for buying insurance online?

Usually, you need your scooty registration number, previous policy details (if renewing), and personal ID proof.

What is zero depreciation cover in scooty insurance?

It’s an add-on where no depreciation deduction is applied, so you get the full claim amount for parts.

Is third-party insurance enough for a scooty?

It’s the legal minimum, but comprehensive insurance offers better protection for you and your vehicle.

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