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Introduction - Harley Davidson Bike Insurance

Harley Davidson is a popular American motorcycle manufacturer. Founded in 1903, the company is primarily known for its ‘cruiser’ motorcycles. In India, the ex-showroom price (New Delhi) for Harley Davidson bikes starts at ₹11.75 Lakhs. Harley Davidson’s most expensive bike in India is the Road Glide Special, which is available at an ex-showroom price (New Delhi) of ₹36.99 Lakhs.
While Harley Davidson bikes are synonymous with powerful performance and great safety features, you must not ignore the risk of unfortunate road accidents. Such unfortunate events can burn a hole in your pocket. Thus, it is essential to insure your precious two-wheeler with Harley Davidson bike insurance. Let’s take a deep dive into Harley Davidson insurance price, types, and more.

Popular Harley Davidson Models with their Bike Insurance Price

Let’s look at some of the most popular Harley Davidson bikes and the Harley Davidson insurance cost:

Harley Davidson Model

Ex-showroom price*

Fuel Type

Estimated Third-party Premium~ 

FY 2022-23

(w.e.f. 1st June 2022)

Harley Davidson Iron 883

₹11.99 Lakh


₹ 2,804

Harley Davidson Forty Eight

₹11.75 Lakh


₹ 2,804

Harley Davidson Sportster S

₹16.51 Lakh


₹ 2,804

Harley Davidson Street Glide Special

₹33.99 Lakh


₹ 2,804

Harley Davidson Road King

₹28.49 Lakh


₹ 2,804

Harley Davidson Road Glide Special

₹36.99 Lakh


₹ 2,804

The ex-showroom Harley Davidson bike prices are for New Delhi and are subject to change on the basis of the city. 

Third-party Harley Davidson insurance premium rates are indicative. Your actual bike insurance premium may change depending on various factors. Please check the prevailing Harley Davidson motorcycle insurance premiums before purchasing your policy.

How to Buy Harley Davidson Bike Insurance in Just a Few Clicks!

Buying Harley Davidson bike insurance online on Bajaj Markets is a fairly easy and quick process. All you need to do is follow the steps given below:

  1. Visit the ‘Bike Insurance Premium Calculator’ section on our website.

  2. Enter your mobile number and your Harley Davidson bike’s registration number.

  3. Fill in all the relevant details in the application form.

  4. Pick a two-wheeler insurance plan based on your needs.

  5. Pay the bike insurance premium online.

The Harley Davidson insurance policy will be issued to you in no time.

How to Renew Your Harley Davidson Bike Insurance Online in 5 Easy Steps!

With the online process for Harley Davidson insurance renewal, you can renew your bike insurance in just a few minutes and continue reaping the benefits of the policy. Here is what you need to do:

  1. Visit your insurance provider’s official website.

  2. Enter the details of your previous bike insurance policy.

  3. Enter your personal details and your Harley Davidson bike details.

  4. Check your Harley Davidson two-wheeler insurance renewal premium.

  5. Pay the insurance renewal premium online.

Your copy of your Harley Davidson bike insurance policy will be sent out soon.

Read More: Bike Insurance Renewal

Why Insure Your Harley Davidson Bike?

A Harley Davidson is a prized possession for any bike enthusiast. Also, given how expensive these bikes are, any damage repair or occasional wear and tear may cost a fortune. These expenses can go up to ₹1-3 Lakh, or even more! To cover all these expenses, it is important that you have a Harley Davidson insurance in place. Moreover, it is legally mandatory to have bike insurance to ride your Harley Davidson on Indian roads.

Know the Types of Harley Davidson Insurance Plans

In India, there are two types of bike insurance plans you can choose from for your Harley Davidson- third-party bike insurance and comprehensive bike insurance. Let’s understand the difference between the two:

1. Third-Party Bike Insurance

As per the Motor Vehicles Act,1988, it is mandatory to have third-party bike insurance for your two-wheeler. Such policies only cover third-party liabilities and do not provide coverage to your Harley Davidson bike in any unfortunate event. Hence, third-party insurance comes at an affordable premium. 

2. Comprehensive Bike Insurance

A comprehensive bike insurance plan is an extensive policy that covers third-party liabilities as well as damages to your own bike during any unfortunate event. You can also extend the scope of coverage of your comprehensive Harley Davidson bike insurance plan with different add-on covers. 

Read More: Benefits of Comprehensive Bike Insurance

What is Included in Your Harley Davidson Bike Insurance?

As mentioned above, third party bike insurance policies only cover the injuries and damages caused to a third party by your insured Harley Davidson bike. Whereas, comprehensive bike insurance policies include not only third-party damages but also damages caused to your own two-wheeler due to a natural calamity, man-made disasters, accidents, etc.

What is Excluded from Your Harley Davidson Bike Insurance?

The two-wheeler insurance policy for your Harley Davidson available on Bajaj Markets excludes coverage for any loss or damage due to natural wear and tear, driving under the influence of alcohol or drugs, driving without a valid driving licence, etc.

Read About: Bike Insurance Coverage

Add-on Covers to Enhance Your Harley Davidson Bike Insurance

Some of the Harley Davidson bike insurance add-on covers are as follows:

  • Zero Depreciation Cover

With a zero depreciation cover, you don’t have to compromise on your insurance claim amount due to depreciation. 

  • Round-the-clock Spot Assistance

Having the round the clock spot assistance cover ensures that you get on-the-spot assistance in case of a sudden breakdown during your ride.

  • Personal Accident Cover

This covers the treatment costs for you and your pillion rider in the event of an accident on your insured Harley Davidson bike.

  • Return to Invoice

The return to invoice cover helps you get the full value of your bike as per the bike’s purchase invoice, in case of total loss.

Filing a Claim for Your Harley Davidson Bike Insurance

You must know a few things before you file a claim for your Harley Davidson two-wheeler insurance. Let’s start with the types of bike insurance claims. 

There are two types of Harley Davidson two-wheeler insurance claims:

1. Cashless Claim Bike Insurance for Harley Davidson Bikes

With the cashless claim facility, you can get your damaged Harley Davidson repaired at the nearest network garage. The insurer will then directly pay the garage for all repair and replacement expenses.

2. Claim Reimbursement for Harley Davidson Bikes

With this facility, you can get your Harley Davidson repaired at any garage of your choice and pay for the expenses incurred. Once the repairs are completed, you can raise a reimbursement claim for the expenses against your policy. Upon claim approval, the insurer will transfer the settlement amount to your bank amount.

Now, let’s take a look at the important documents you will need to file a claim for your Harley Davidson insurance:

  • Copy of your Harley Davidson insurance policy document

  • Harley Davidson bike details

  • Insurer details

  • Details of the incident

  • FIR copy, in case of theft or vandalism

  • Original bills and receipts of bike repair

Read About: Bike Insurance Claim Process

How to Reduce the Harley Davidson Bike Insurance Cost

Here are some easy ways to reduce your Harley Davidson bike insurance cost:

  • Get your Harley Davidson Bike Serviced Regularly

Along with other factors, your bike insurance premium also depends on the condition of your bike. Hence, maintain your Harley Davidson bike in good condition by getting it serviced regularly.

  • Ride Cautiously

Avoid any mishaps on the road that may lead to insurance claims. You can do so by following traffic rules and riding your bike cautiously. 

  • Compare Bike Insurance Premiums

Always compare the bike insurance premiums offered by different insurance providers to make an informed decision. 

  • Choose the Necessary Add-Ons Only

Since add-on covers come at an additional cost, unnecessary add-on covers can increase your overall car insurance premium without really being useful in times of need. So, only pick the add-on covers that are necessary for your bike.

Summing Up

Now that you know about Harley Davidson bike insurance, its inclusions, exclusions and add-on covers, wait no more! Buy a Harley Davidson insurance now to secure yourself financially. And while you are at it, you can check the bike insurance premiums for the plans available on Bajaj Markets. Just use the bike insurance calculator to get a quote on your chosen insurance policy. That way, you will be able to choose a bike insurance policy that can fulfil your needs and is also affordable.

Check Out Bike Insurance Plans Available at Bajaj Markets

FAQs on Harley Davidson Insurance

  • ✔️Can I buy Harley Davidson bike insurance online?

    You can buy a Harley Davidson bike insurance policy online, on Bajaj MARKETS. The online process is much faster compared to the offline one.

  • ✔️I purchased a Harley Davidson bike insurance policy online. Will this policy be valid as per Indian traffic rules?

    Yes, a Harley Davidson bike insurance policy bought online is just as valid as a bike insurance policy purchased offline. 

  • ✔️Is two-wheeler insurance compulsory in India for my Harley Davidson bike?

     Yes, as per the Motor Vehicles Act, 1988, it is mandatory for all vehicle owners in India to buy third-party insurance for their vehicles.

  • ✔️Can I transfer my No Claim Bonus (NCB) from my current insurance provider to the new company?

     Yes, you can transfer your NCB in bike insurance from your current insurance provider to the new company.

  • ✔️How does IDV affect my Harley Davidson bike insurance premium?

     The bike insurance premium is directly proportional to the insured declared value (IDV) or market value of the bike. Hence, the Harley Davidson bike’s IDV is the primary influencer of the bike insurance premium.

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