India Kawasaki Motors Private Limited (IKM), the subsidiary of Kawasaki Heavy Industries Motorcycle & Engine, Japan Ltd., was incorporated in 2010. In 2013, this company started the assembly of Versys 650, Ninja 300, ER-6N and Z250 motorcycles in India.

Kawasaki motorcycles are famous for their excellent handling and durable framework. However, like any other two-wheeler, Kawasaki motorcycles, too, are susceptible to damages incurred from accidents. 

So, if you own any Kawasaki motorcycle, you should opt for Kawasaki two-wheeler insurance to steer clear of extensive damage repair expenses down the line. Apart from that, as per the Motor Vehicles Act of 1988, it is mandatory for every motorcycle owner to have a valid third-party insurance policy for their two-wheeler.

Following are the car insurance add-ons available for Kawasaki bike insurance:  

• Zero Depreciation Cover
• Return to Invoice Cover
• Engine & Gear-box Protection Cover
• Consumable Cover
• Breakdown Assistance
• Tyre Protect
• Daily Conveyance Benefit
• EV Shield Add-on Cover

Ever since 2013, India Kawasaki Motors has introduced several stunning motorcycles in the nation’s superbike market segment like Ninja ZX-10R, Ninja ZX-14R, and Ninja 1000. It also rolled out off-road bikes like KLX140 and KLX110.

When it comes to motorcycles, Kawasaki always meets the expectations of this nation’s buyers with its outstanding design and sturdy build. The motorcycles introduced in the superbike segment also come with excellent performance and state-of-the-art handling features. In addition, this company caters to adventurous motorcyclists with its range of off-road two-wheelers.

All two-wheelers from Kawasaki come with finely tuned Japanese engineering in terms of performance and handling which makes them a favourite among pro riders as well as beginners.

Opting for an insurance policy for your Kawasaki two-wheeler is essential to eliminate the possibility of heavy expenses in future. A sound two-wheeler insurance policy protects both the motorcycle and its rider. 

Read through to find out more.

• Protection From Fines - The Motor Vehicles Amendment Act 2019 states that riding your motorcycle without a valid third-party insurance policy is a legal offence. Failing to abide by it will bring forth a fine of ₹2,000. Repeating the same offence will make the rider liable for a penalty payment of ₹4,000 and it can further lead to imprisonment for three months.

• Personal Accident Cover - IRDAI (Insurance Regulatory and Development Authority of India) has made PA cover compulsory for all motorcycles in India. According to this, the insurer has to offer compensation to the owner’s family in case the owner faces death or disablement in an accident. 

• Third-party Coverage - In an accident where your Kawasaki motorcycle inflicts damage to any third-party vehicle or property or to an individual, a valid third-party insurance policy can safeguard your finances by offering financial aid to the affected individual in your stead.

• Own Damage Cover - If your motorcycle undergoes severe damages in the event of an accident or due to theft, fire and natural calamities, the insurer will reimburse your damage repair expenses if you have valid two-wheeler insurance for your Kawasaki bike.

• No Claim Bonus - Reputed insurers offer an additional bonus to their policyholders for every claim-free year. This bonus, in turn, reduces the policy premium proportionately when the individual renews the policy.

In this regard, Digit Insurance can be your best option since it offers 20% to 50% No-Claim Bonus discounts on your premium depending on your tenure of successfully completed claim-free years.

Besides Kawasaki two-wheeler insurance cost, you should also compare the benefits you can avail of before zeroing in on a two-wheeler insurance provider. Digit Insurance, for instance, offers plenty of attractive benefits to its two-wheeler policyholders.

Let us proceed to know more about them.

1. Wide Range of Products - With Digit Insurance, you have the option to choose a two-wheeler insurance policy for your motorcycle as per your affordability. Here are your policy options -
2. Third-party Bike Insurance Policy - The third-party insurance policy is mandatory for your bike by law. Under this policy, if you get involved in an accident and your Kawasaki motorcycle inflicts damage to any third person or third-party property, Digit will provide financial aid to that affected individual to cover his or her damage repair expenses on your behalf. It can also manage litigation issues related to the incident.
3. Own Damage Cover - This standalone policy is meant for existing third-party bike insurance policyholders who do not wish to wait for the end of their policy term. Under this cover, Digit provides you with financial aid to repair damages caused by natural disasters, theft, fire and accidents. Third-party bike insurance policyholders can opt for this cover at any time during their existing policy term.
4. Comprehensive Bike Insurance Policy - This comprehensive bike insurance policy from Digit covers your two-wheeler against third-party as well as your own damages. In addition, it brings along some extra benefits which you can avail of with additional charges.
5. Several Add-ons - Digit comes with several add-on benefits for its comprehensive Kawasaki two-wheeler insurance policyholders. They are -
   • Roadside Assistance 
   • Zero Depreciation Cover
   • Consumable Cover
   • Engine Protection Cover
   • Return to Invoice Cover
6. IDV Customisation - The Insured Declared Value is directly proportional to the policy premium. So, you can increase or decrease the IDV for your two-wheeler with Digit. This way, you will know the exact amount of compensation Digit will offer you in case your motorcycle is stolen or faces irreparable damage.
7. Online Procedure - With Digit’s maximum level of transparency, while presenting its two-wheeler insurance policies online, you no longer need to go through the lengthy and tedious paperwork. You can simply buy your best-suited Kawasaki two-wheeler insurance policy online. On Digit’s official website, you can also upload your claim documents or renew your insurance policy with ease. 
8. 24x7 Customer Support - Digit also operates with a reliable customer support team to ensure round-the-clock, speedy assistance with your two-wheeler insurance.
9. An Array of Network Garages - Digit Insurance has tie-ups with several garages across the nation. So, whenever you meet with an accident, you will always find a network garage in your vicinity to avail cashless repairs for your Kawasaki motorcycle.

With Digit Insurance, you can bring down your policy premium by picking higher deductibles and keeping away from small claims. That being said, opting for a lower Kawasaki two-wheeler insurance policy premium is not wise since you will lose several convenient benefits.

Yes, there are a few methods which you can employ to reduce the premium amount for your two-wheeler insurance policy. Be it Kawasaki bike insurance renewal online or its purchase, you must check these tips discussed below to ensure that you are not paying more than what is necessary for your insurance policy:

• Purchase the Insurance Directly from the Insurer - Avoid any agent or broker while buying your insurance policy. Most insurance providers offer the option to buy their policies online by following a simple procedure. This facilitates you to purchase the policy directly from the insurance company and avoid any intermediary and their subsequent charges.
• Apply for the Add-Ons which are Absolutely Necessary - While finalising on the policy, check which add-on covers you really need. Every add-on cover adds to the premium amount, and you should be careful to avoid them unless you really need them.
• Check for No-Claim Bonus Benefits - No Claim Bonus benefits are offered to policyholders if they do not raise any claims against their policy in a year. This benefit is extended as a discount on the premium for the policy in the subsequent year.
• Opt for Voluntary Deductibles - You can opt for voluntary deductibles on your insurance policy that will require you to settle a part of your claims before your insurance coverage kicks in. If you opt for this deductible, you can consequently save on your premium payment for the policy.