Specifications of sports bike insurance


02 Aug 2023

All about different aspects of super or sports bike insurance

When purchasing two-wheeler insurance, make sure that you are fully aware of all of the terms and conditions that apply to your particular bike and that you have sufficient sports bike insurance coverage that you need for your sports bike.

In this post, we've covered how to insure a superbike or sports bike, why sports bike insurance is so costly, and which bikes are now ruling the market. Continue reading to learn more.

Specifications of sports bike insurance

A sports bike insurance should have the following qualities:

• Customizable plans

Two-wheeler insurance plans are customizable as per the specification of your superbike or sports bike. These may be customized to fit the unique specifications of your bike, but you must make sure you have enough insurance to cover any damages your bike may suffer. It will allow you to acquire the greatest benefits under your insurance plan if you are very vigilant regarding mileage limits and liability safeguards.

• Discount on premium

Contrary to common belief, the majority of individuals are unaware that companies that offer bike insurance also provide a discount. If you own a sports bike or a superbike, you can get a discount after paying your premiums and avoid spending more on maintenance. While choosing to get two-wheeler insurance coverage, you should consider this aspect as well.

• Fair deductibles

While the majority of individuals would like to choose a plan with a smaller deductible in order to pay a cheaper premium, experts advise that such plans do not effectively provide financial coverage for your sports bike insurance. A better plan with maximum coverage is ensured by paying a slightly higher premium rate in exchange for a reduction in deductibles. Although the premium is higher, the deductible is still affordable, enabling you to efficiently maintain your bike.

• Personal accident cover

Owners of two-wheelers can get personal accident coverage through two-wheeler insurance for a sports bike. Road accidents are always a risk, and recovery time can take anything from a few weeks to months. The medical coverage under a two-wheeler insurance policy covers the owner's daily medical expenditures, where the amount of the daily allowance can be selected in accordance with the terms and conditions of your sports bike insurance policy.

Pricing for sports bike insurance: What can you expect?

The premium of insurance is determined by a number of variables; one of such elements is the type of bike. Using a rider is the only method to obtain an accurate average of insurance prices. Below are some of the key factors affecting insurance pricing:

• Bike brand and model - The more powerful the engine, the more expensive the insurance.

• Where you reside - Generally, metropolitan regions are costlier.

• The majority of sports bike owners like personalizing, beautifying, or altering their sports motorcycles. Insurance premiums may change as a result of these changes.

• Driving record: A cleaner record translates to reduced premiums.

• The premiums you must pay also depend on the kind of insurance policy you select with the number of add-ons.


Few people get the chance to buy the superbikes that everyone dreams of having. While you're at it, take pleasure in them and do your best to keep them and yourself safe. The first step in taking care of the vehicle is to obtain appropriate bike insurance online or offline.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.