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Scooty Insurance in India

Scooter, commonly referred to as a scooty in India, is a very useful and popular form of a two-wheeler that many people own. As a result, the scooty insurance plans are also very popular and the scooty owners look to get the best plans for their vehicles. Take a look at this article to know more about the very handy online scooty insurance plans and how you can get the best plan.

What is a Scooty Insurance Plan? 

This is nothing but a two-wheeler insurance policy that is available to cover light, gearless motorcycles such as the TVS Scooty or Honda Activa. Insurance of scooty is similar to the insurance of other bikes and motorcycles. The insurance scooty plans is available in two varieties – a basic third party cover or the comprehensive cover. There are the usual add-on covers available in the insurance scooty plans that you can buy to increase the scope of the insurance of scooty.

Why to Buy Scooty Insurance? 

You can easily buy the insurance of scooty online. There are many plans that are widely available online and they prove to be very handy. There are some benefits you get when you buy online scooty insurance plans. These include better pricing, option to compare and ease and convenience. Here are some steps to follow when you buy online scooty insurance:

  • Go online –
    Start off by visiting the website of a good insurance aggregator. Enter your personal details, along with the details of your vehicle. Once that is done, you will get to see all the available plans.
  • Compare –
    When you see a side-by-side comparison of the different plans, scan through them and see which plan is best suited for you. Don’t just compare the premium rates. Also compare the credibility of the insurance provider, as that plays a crucial role in getting claims, etc.
  • Look for riders –
    Before you make the payment and get the insurance scooter plan issued in your name, make sure you add some riders to the policy.
  • Make the payment –
    You can choose the best policy after comparing and make a purchase then and there. It is very safe to buy insurance of scooty online, so go ahead and make the payment without any worries.
  • Get the plan –
    After you pay, the plan will instantly be issued in your name. This will prove to be highly beneficial for you as you will stay protected and keep your vehicle protected too, along with getting coverage against all third party liabilities too. Also, you will be legally protected as riding a scooter without a valid insurance plan is prohibited in India.

Follow these simple tips and you will be able to get the insurance of your scooty done in an economical, fast and simple manner.

Benefits of Buying Scooty Insurance

  • Inexpensive –
    One of the biggest benefits of buying an online scooty insurance plan is that you pay less money. The online plans are more economically priced than their offline counterparts. This is because the insurance brokerage is absent in the online plans. This apart, the processing and administration fees are also lower. And since you compare, you can easily locate the cheaper options and this helps you to get very cost-effective insurance scooty plan when you buy it online.
  • Easy to buy –
    The process of buying insurance of scooty online is very simple. All you have to do is go online, compare, find your ideal coverage and get the plan by making a safe online payment. The plan is issued instantly and you do not have to worry about running around or any such hassles.
  • Paperless –
    The insurance of scooty online is a paperless job. This makes it highly convenient for you as you don’t have to worry about the lengthy documentation processes that were previously present when buying insurance. Here, you just need to fill up a small online form and your policy will be issued to you instantly.
  • Comprehensive coverage –
    As stated, you can find both the third party liability as well as the comprehensive scooty insurance plans. The comprehensive plans are very well-rounded and include several features such as third party liability covers, own damage covers, personal accident covers, options for add-on covers, etc. This makes it very beneficial for you to have such a policy.
  • Lots of options –
    you can find lots of options to choose from as all of the leading general insurance companies in India offer this type of motor insurance plan. This gives you more options to choose from and a better opportunity to find a great insurance cover.

Keeping these benefits in mind, you can surely understand how useful it is for you to get an insurance scooty plan online and keep your scooter protected.

Scooty Insurance comparison from top Companies

  Make and model of vehicle Insurance provider  Premium cost
1 TVS Scooty Pep Plus Matte Edition (87.8 cc) HDFC Ergo INR 1322
2 TVS Scooty Pep Plus Matte Edition (87.8 cc) New India Assurance INR 3519
3 TVS Scooty Pep Plus Matte Edition (87.8 cc) Digit Insurance  INR 3497
4 TVS Scooty Pep Plus Matte Edition (87.8 cc) Chola MS INR 3742


The cost of an online scooty insurance plan is quite low. The final premium depends on the make and model number, the age of the scooter and also on the riders added. Here, we explore the different prices available for the insurance of TVS Scooty from some of the leading motor insurance companies in India. The vehicle for which the plans are available is a brand new TVS Scooty Pep+.

Best Scooty Insurance

All the leading insurance companies in India offer insurance scooty plans. While all are good, some may be better suited to you than others. In order to find the best insurance scooty plan, you need to evaluate the following points and then make a selection:

  • Claim settlement ratio 

The claim settlement ratio of the insurance company from whom you are buying the scooter insurance plays an important role. You should look to buy the plan from an insurer who has a high rate as then you will also be assured of getting your claim settled when there is a need to do so.

  • Customer support

Next, you need to see how good the customer support team of your chosen insurer is. The customer support should be good and efficient so that you can reach out to them as and when there is any doubt or query.

  • Claim process 

You also need to evaluate the claim process and ensure your chosen scooty insurance plan has a simple and straightforward claim process. This would make it easier for you to get the claim quickly and effortlessly when you need to do so.

  • Inclusions and exclusions 

And finally, you need to take a very good look at the inclusions and exclusions of the policy. It is always a good idea to read the policy wordings to understand the correct scope of coverage. If you feel some important covers are missing or the list of exclusions is too long, look for another plan from another insurer that would cover your needs in a more wholesome manner.


As you can clearly see from the points mentioned above, there are many benefits you get when you buy a good online scooty insurance plan. This is why you should get a good policy and secure your scooter at the earliest. The process is simple and the cover is inexpensive and so you stand to get many advantages when you invest in a good online scooter insurance policy.

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