TVS Ntorq Insurance

Name: TVS Ntorq Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

As the popularity of the TVS Ntorq continues to rise, so does the need for dependable insurance that matches its smart, high-performance profile. This sporty 125cc scooter is known for its race-inspired design, advanced features like SmartXonnect Bluetooth connectivity, and a powerful engine that delivers an exhilarating riding experience. With such innovation and style packed into one machine, securing comprehensive insurance isn’t just a precaution—it’s a necessity.

TVS Ntorq insurance offers robust protection against a wide range of risks including accidents, theft, and natural disasters. Whether you're navigating busy city streets or cruising on open roads, this coverage ensures your financial safety and peace of mind. From basic third-party liability to full-fledged comprehensive plans with add-ons, you can customize your policy to suit your riding needs. With rising repair costs and unpredictable road conditions, having the right insurance safeguards your investment and keeps your rides worry-free.

Why US

Why IndusInd Bike Insurance?

IndusInd General Insurance (formerly Reliance General Insurance) provides comprehensive protection for your TVS Ntorq along with reliable 24/7 customer assistance and an extensive cashless garage network, ensuring your daily rides stay smooth, safe and stress-free.

Model - Scooter

Up to 5 Years Coverage

Buy once and get covered for 5 years

Get 10 Add-On Covers

Extend your scooter's coverage

Video Claims Feature

File claims on your mobile via our app

Instantly Renew via Mobile

Just tap, pay and renew!

Why Do You Need TVS Ntorq Insurance?

Compliance with Laws

Owning a TVS Ntorq without insurance is against the law in India. The Motor Vehicles Act mandates at least third-party liability coverage for every two-wheeler. This ensures you are financially protected if your scooter causes injury or property damage to others. Without insurance, you risk heavy penalties and legal complications, making it essential for every Ntorq owner.

Financial Protection

Accidents can happen anytime, and repair costs for your TVS Ntorq can be expensive. Comprehensive insurance covers damages caused by accidents, theft, fire, and natural disasters, saving you from paying out of pocket. Instead of bearing a huge financial burden, your insurance policy takes care of repair or replacement costs, ensuring peace of mind.

Coverage for Theft and Disasters

Your TVS Ntorq is a valuable asset, and losing it to theft or damage from floods, storms, or fire can be devastating. Insurance provides compensation in such situations, helping you recover losses quickly. With the right coverage, you can protect your scooter against unpredictable events and keep your investment secure.

Add-On Benefits

Insurance for your TVS Ntorq isn’t just about basic coverage. You can enhance protection with add-ons like zero depreciation, roadside assistance, and engine protection. These add-ons ensure maximum safety and convenience, reducing your expenses during emergencies. Choosing the right add-ons makes your policy more comprehensive and tailored to your riding needs.

View all the important criteria’s for this plan

Comprehensive Scooter Insurance

This all-in-one plan offers complete protection for your scooter along with third-party liability coverage. It includes financial security against accidents, theft, fire, and natural disasters, while also covering legal liabilities. With extensive benefits, comprehensive insurance ensures maximum protection for your two-wheeler investment. Long-term policy options are also available for added convenience.

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Short-Term Own Damage Insurance

Short-Term Own Damage Bike Insurance helps protect your two-wheeler against accidental damages, theft, fire incidents, and natural calamities for a limited duration. The policy provides temporary financial support for repair and replacement expenses while your third-party insurance remains active.

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Long-Term Own Damage Insurance

Long-Term Own Damage bike insurance offers extended protection against accidents, theft, floods, storms, fire incidents, and other covered damages. The policy ensures long-lasting financial security and uninterrupted own-damage coverage for your bike.

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Third-Party Scooter Insurance

Comply with the Motor Vehicles Act 1988 with this legally required coverage. It protects you from financial liabilities if your scooter causes damage to another person or property. Our 5-year long-term third-party policy offers fixed premium rates with no revisions* and requires only a one-time payment, making it simple and affordable.

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Key Features of TVS Ntorq Insurance

TVS scooters deserve specialised protection that matches their legendary status. That’s why owner-specific insurance is essential - offering protection against accidents and theft, along with personalised benefits and easy claims designed specifically for the riders.

Key Features	Description
Starting Premiums	From ₹18 per month*
Coverage Offered	Own Damage + Third-Party (Available separately or bundled together)
Discounts	Up to 80%* + Up to 50% No Claim Bonus*
Cashless Claims	Zero upfront payment* (Does not include mandatory deductibles)
Network Garages	11,000+ authorised cashless garages
Claims Process	Quick claims via the IndusInd Insurance app on mobile + 24-hour claim survey* for in-person inspections
Instant Buying/Renewal	Available via the IndusInd Insurance app and our website
Add-Ons Available	10 Add-On Covers Available*
Personal Accident Cover	₹15 lakh PA cover* (optional cover)
24/7 Customer Support	Through phone, WhatsApp and email

Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions & Exclusions

Inclusions and Exclusions of TVS Ntorq

Model - Scooter

What's Covered

Accident Damage - Covers your two wheeler's repair costs for damage caused by road accidents, crashes and collisions.

Third-Party Liability - Injury or property damage caused to others.

Natural Disasters - Covers damage due to earthquake, flood, cyclone, lightning and heavy rain.

Theft Protection - Full reimbursement for a stolen vehicle or its parts.

Fire and Explosion - Protection against fire due to electrical faults, fuel leaks or external sources.

Transit Coverage - Protection during vehicle transport by road, rail, air or lift.

Model - Scooter

What's Not Covered

Wear & Tear and Depreciation: We cover all repair costs, except those arising from wear and tear and the natural degradation of parts that occur with regular use.

Accessories: You're fully covered for factory-fitted accessories under the base plan. However, any electrical and non-electrical accessories fitted to your bike after purchase require add-on coverage.

Law Violations and Outside Coverage Zone: You're fully covered for accident-related claims except for ones arising out of law violations or damage occurring to your bike outside of India's borders.

Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.

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TVS Ntorq Scooter Insurance Add-Ons

Our scooter insurance add-ons protect against depreciation deductions, engine repairs, and so much more to offer comprehensive scooter protection for your TVS Ntorq. So if you find that you need extra protection in case you live in an accident-prone zone or just want to minimise your out-of-pocket expenses, our add-ons are the way to go.

Nil Depreciation

Provides full claim amount for plastic, rubber and fibre parts without any depreciation deduction during repairs. It ensures maximum coverage for replacement parts affected by wear and tear.

Engine Protector

Protects against costly engine repairs from weather, water or accidental damage. It covers engine damage from oil leakage, water ingress, hydro lock and mechanical failures not covered in the standard policy.

Consumable Cover

Covers the cost of replacing engine oil, nuts, bolts, brake fluid and similar materials during repairs not included in the standard policy. Saves from hefty out-of-pocket costs for items comprising nearly 40% of repair bills.

Key Replacement

Covers key replacement costs and lockset changes if you lose your scooter’s keys, reducing the chances of theft and other security risks. It will cover costs up to 1% of the claim amount or ₹500, whichever is higher*

Helmet Cover

Reimburses helmet replacement costs if your helmet is stolen or damaged in an accident involving your scooter. This is a useful add-on, as bike and scooter helmets can be quite expensive.

Tyre Protection

Covers repairs/replacement of burst, bulged or cut tyres due to poor road conditions. It also covers labour and wheel balancing costs. Note that all claims must be made within 3 working days to be admissible.

NCB Retention Cover

This add-on allows you to file one claim per year while retaining your NCB discount. It protects your accumulated benefits, ensuring you get discounted renewal premiums despite making a claim.

EMI Protection Cover

Pays up to 3 loan EMIs if scooter repairs exceed 21, 42 or 63 days* in the garage due to accidental damage. This can help ensure you keep up with loan payments despite your scooter undergoing extended repairs.

Daily Allowance Cover

You receive a fixed daily amount for alternative transport if scooter repairs due to accidental damage exceed 2 days. It provides financial support for travel expenses while your Activa is under repair.

Two Wheeler Assistance

Provides help for breakdowns, flat tyres, fuel delivery and lockout situations with towing and on-site repairs. This cover ensures roadside assistance is always available when you need emergency support.

Voluntary Deductible Cover

If you choose a voluntary deductible (an amount you agree to pay from each claim before we cover the rest), your premium is reduced. For every claim (even for total loss), you have to pay this amount first before your insurance coverage kicks in.

Hospital Cash Cover

You get a daily payout if you are hospitalised for over 24 hours due to injuries from an accident. The coverage kicks in when your hospital stay or admission lasts more than 7 days, and you will receive an additional amount for recovery.

Return to Invoice (RTI)

Get your Activa's original invoice price if your bike is stolen and not found or is declared a total loss after a major accident. We will also refund one-time registration charges, road tax and insurance costs, making this cover a great addition to your bike insurance policy.

Rim Protector

The rim damage add-on is designed to help when your scooter's wheel rims are accidentally damaged, making them unfit for use. This cover pays for the repair or replacement of damaged rim(s), labour charges, wheel alignment and balancing and consumables.

E-Scooter Battery Protect

It helps cover the cost of repairs or replacement of your scooter's battery if it is damaged by events such as power surges, water entering the engine, or accidents. A useful add-on since the battery is the most expensive part.

Electric Motor Protect

The Electric Vehicle Electric Motor Cover provides financial support for repairs or replacement of the electric motor, differential or transmission units of your EV scooter in case they get damaged due to water getting into the electric motor or oil leakage.

E-Scooter Charger

If your electric scooter's charger and its parts, like cables and adapters, get damaged by things like fire, flooding, power surges or accidents, the electric vehicle charger add-on covers the expenses for the repairs or replacement of the charging unit.

How to Buy and Renew

How to Buy and Renew TVS Ntorq

Model - Scooter

Buy Online

Scroll up to the top of this page and enter your details. To get an instant quote, use the calculator below.

If your two wheeler is brand new, click on "Bought a New Bike".

Select your two wheeler make/model and enter your registration and policy details.

Select any add-ons you require, then review the policy details and final price.

Pay online and complete the CKYC with your PAN details to receive your policy.

Model - Scooter

Renew Online

Go to the top of this page and click "Renewal". If you're adding add-ons, you can use the calculator below to check the price.

Enter your mobile number or policy number and click Renew.

Review and modify (if needed) your existing two wheeler policy details.

Make the payment online depending on the price stated

The TVS Ntorq policy renewal will be complete

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Factors Affecting Two-Wheeler Insurance Premium

Type of Coverage

Your premium depends on the insurance plan you select. Third-party coverage is the most affordable option but offers only basic protection. Comprehensive plans cost slightly more but cover your scooter against accidents, theft, fire, and natural disasters. While the premium is higher, comprehensive insurance saves you from paying hefty repair bills later.

Vehicle Modifications

Any modification to your TVS Ntorq—such as custom paint, performance upgrades, or accessories—can raise your insurance premium. Modified scooters often require additional coverage for non-standard parts and may pose higher risks. Always disclose modifications to avoid claim issues later.

Anti-Theft Devices

Installing approved anti-theft devices such as alarms or GPS trackers can help lower your premium. Insurers often offer discounts (up to 2.5%*) for scooters equipped with these security features, making your Ntorq safer and your insurance more cost-effective.

Make and Model

Insurance rates vary based on your scooter’s brand, model, and engine capacity. The TVS Ntorq 125 falls under the 75–150 cc category as per IRDAI guidelines, which generally attracts moderate premiums compared to smaller scooters. Higher engine capacity and advanced features can increase the overall cost of coverage.

Add-On Covers

Optional add-ons like zero depreciation, engine protection, and roadside assistance enhance your coverage but also increase the premium. Choose add-ons based on your riding habits and usage to strike the right balance between protection and affordability.

No Claim Bonus (NCB)

If you don’t file any claims during your policy term, you earn a No Claim Bonus. This discount starts at 20% and can go up to 50%* over five consecutive claim-free years. NCB helps reduce renewal premiums significantly and encourages safe riding practices.

Disclaimer: The discount percentages mentioned above are subject to change based on the age of the vehicle, vehicle make and model, and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.

How to Claim

How to Claim TVS Ntorq ?

How to Claim

Step 1

Notify us about the incident to initiate the cashless claim process. You can register your claim using +91 22 4890 3009 or log into your mobile app account.

Step 2

Visit a network garage for vehicle inspection, damage assessment and repairs evaluation. Find your nearest network garage by using the garage locator below.

Step 3

You could also use the mobile app's video claims feature to conduct a self-inspection. Just tap "Self Inspection" to begin.

Step 4

Submit documents like the claim form, ID proof, insurance and vehicle-related documents (driver's licence, RC book, PUC certificate, etc.).

Step 5

Get repairs done at the network garage and have the expenses covered by us.

Step 1

Notify us immediately after the incident to begin the claim process. You can do this via phone 022-48903009 (Paid) or online on our website.

Step 2

Choose any garage for vehicle repair and retain the original invoice and receipts.

Step 3

Pay for the repair upfront and collect all payment receipts for submission to the insurer.

Step 4

Submit the claim form along with invoices, receipts and necessary supporting documents.

Step 5

Receive reimbursement for the repair costs after claim approval from us.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Insure the Best Parts of Your TVS Ntorq

The TVS Ntorq 125 is one of India’s most popular performance scooters, loved for its aggressive styling and smart features. Its sharp lines, bold colors, and signature design make it stand out on city roads. However, scratches, dents, or accidental damage can ruin its premium look. With the right insurance, you can cover repair costs for body panels, paintwork, and other design elements, ensuring your Ntorq always looks brand new.

The Ntorq’s 125cc engine delivers smooth acceleration and sporty performance, making it a favorite among young riders. But this high-performance engine is vulnerable to water damage, mechanical breakdowns, and accidental impact. An engine protection cover in your insurance plan saves you from paying hefty repair bills, keeping your scooter’s heart in top condition for years.

Equipped with Bluetooth connectivity, digital console, LED lights, and other smart features, the Ntorq offers a tech-savvy riding experience. These advanced electrical components are expensive to repair or replace if damaged in an accident or due to weather conditions. Comprehensive insurance ensures coverage for these premium features, so your scooter stays functional and stylish.

The Ntorq’s robust suspension and high-grip tyres are designed for smooth handling in traffic and on uneven roads. However, constant exposure to potholes, rough terrain, and sudden braking can lead to wear and tear. Insurance with tyre protection and mechanical breakdown cover helps you avoid costly repairs, keeping your scooter ready for every ride.

TVS Ntorq - Models and Prices

Model Name	Ex-Showroom Price (₹)
TVS Ntorq 125 Disc 124.8 cc \| Petrol	94,322
Ntorq 125 Race Edition 124.8 cc \| Petrol	98,522
Ntorq 125 STD 124.8 cc \| Petrol	1,00,243
Ntorq 125 Race XP 124.8 cc \| Petrol	1,01,434
Ntorq 125 XT 124.8 cc \| Petrol	1,09,888

Disclaimer: The prices mentioned are subject to change based on your city of residence, bike model, variant, year of purchase and the dealership you are buying your scooter from. The prices mentioned above have been taken from this source.

Key Takeaways

Getting insurance for your TVS Ntorq 125 isn’t just a smart move—it’s mandatory. As per the Motor Vehicles Act of 1988, every two-wheeler must have at least third-party coverage. Riding without valid insurance can lead to fines up to ₹4,000 or even 3 months in jail.

Your Ntorq 125 is a premium scooter with high-end features, and IndusInd bike insurance (formerly Reliance bike insurance) helps safeguard it from accidents, theft, and natural calamities. Choose from basic third-party plans to full-fledged comprehensive coverage, including add-ons like engine protection and zero depreciation.

At IndusInd General Insurance, buying a policy is quick and hassle-free. Get insured online in minutes, starting at just ₹18/day*. Enjoy cashless repairs at 11,000+ garages* across India and benefit from fast claim surveys within 24 hours of intimation. Plus, earn up to 50%* No Claim Bonus on renewals.

Ride worry-free with IndusInd General Insurance—your trusted partner for TVS Ntorq 125 protection.

Model - Scooter

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Bike insurance starting at just ₹18 per month*

Protect Your TVS Ntorq in Minutes!

Enjoy hassle-free online processes and 24/7 customer care, ensuring help is always available during emergencies!*

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

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4.9 ★ ★ ★ ★ ★ (52)

Murali Krishna Alla

West Godavari

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Kunta Naveen

Vizianagaram

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

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Vadodara

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From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. I'm happy with how everything went and feel secure with my policy.

Kuldeep Singh

Shahjahanpur

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I recently purchased my Bike insurance and found the experience very smooth. I felt that my protection needs were well addressed with this policy.

Sandeep Kumar

Raichur

Quick policy issuance

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Nizamabad

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Nilgiris

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Nagapattinam

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Kanyakumari

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Jharsuguda

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Surendra Kumar Sain

Jhansi

4.5

Value for money

I recently purchased my Bike insurance and found the experience very smooth. I'm happy with how everything went, product offering is fine.

Kulamatiadi Venkat Rama Appa Rao

Hyderabad

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From start to finish, the process of getting my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras.

Uma Devirallabandi

Hyderabad

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I had a positive overall experience while applying for Bike insurance. The coverage provided matches my expectations and feels comprehensive.

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Hyderabad

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Gurgaon

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Manish Kumar Yadav

Gonda

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Arun Jain

Faridabad

Quick policy issuance

I recently purchased my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. The convenience and clarity made this a good experience.

Sandip Chandrakant Mali

Dhule

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From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Jashobanta Parida

Dhenkanal

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Subrata Kumarsahani

Cuttack

Quick policy issuance

Buying a Bike policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Janet Joshikad

Coimbatore

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Buying a Bike policy through the platform was straightforward and quick. The plan offered exactly the type of coverage I was expecting.

Sathiamourthy Priya

Coimbatore

Seamless digital experience

The journey of purchasing Bike insurance felt effortless and user-friendly. The policy coverage and offerings do not match my requirements.

Hiren Kumar Raju Bhai Tailor

Bharuch

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I had a positive overall experience while applying for Bike insurance Reliance Insurance (now IndusInd Insurance). The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras.

Abhishek Neelakantachar

Bengaluru

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Guru Nathakooni

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance was convenient. It met my requirements well and felt tailored to my needs.

Aniket Rai

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Aneesh Krishnan Nair

Bengaluru

Quick policy issuance

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Madhava Rao Nagesh Rao

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Vinita Jain

Ahmedabad

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Rupesh Pandurang Khamgaonkar

THANE

Seamless digital experience

Getting my IndusInd two-wheeler insurance policy online was a breeze with a quick step-by-step guide to take me through the process.

Mr Javed Khan Maheboob Khan Pathan

NILANGA

Value for money

My bike is used only for nearby rides, so I wanted simple protection at a sensible price. The plan matched that without feeling costly.

Hemanth Kumar

MAGADI

Easy application

I wanted my RC and insurance papers together on my phone. After finishing the form, I downloaded the copy and saved it with my vehicle documents.

Manoj Kumar Modi

ANGUL

Seamless digital experience

I remembered the scooter renewal after dinner and finished it from home. The steps were short, and the document was ready without any delay.

Sanjaykumar Rajkumar Menase

AKKALKOT

Quick policy issuance

My two-wheeler insurance policy was issued instantly after payment completion.

Vikas Savlani

DAMOH

Easy application

Had a very smooth experience applying for the policy online.

Himanshu Kumar

CHANDI

Easy application

I was a little unsure while entering the registration number, but the steps were simple. I filled it carefully and got the insurance copy soon after.

Govindji Turam Suthar

MUMBAI

Quick policy issuance

I wanted all my bike papers updated before the month-end. I renewed online and downloaded the insurance copy right away.

Satinder Singh

GURGAON

Seamless digital experience

I usually delay insurance work because it feels boring, but this was not confusing. I followed the steps slowly and finished it myself.

Manoj Hirabhai Chudasama

BHAVNAGAR

Easy application

I compared options for my scooter and chose one that did not add things I would never use. The amount felt right for daily local travel.

Nagavenkata Basava Subbareddyped

TIRUMALAGIRI

Easy application

I renewed my two-wheeler insurance during a small break at work. Everything opened properly on my phone, and I did not need to call anyone.

Bonkanpally Raghupathi

NIZAMABAD

Value for money

My scooter is used mostly for quick nearby work, so I wanted the insurance done without much effort. The form was short, and I was able to complete it easily on my phone.

Deepa R

COIMBATORE SOUTH

Quick Policy Issuance

I had taken a second-hand scooter and wanted the insurance sorted properly. The steps were clear, and I could update the details without getting stuck.

S M Karunya Krishna

CHITTOOR

Quick Policy Issuance

I realised my bike insurance had expired while keeping my vehicle papers ready. I renewed it online and got the copy within minutes.

Shivappa Nayakar

BANGALORE NORTH

Quick Policy Issuance

I had to go out urgently and wanted to be sure my bike insurance was active. The message came soon after payment, which gave me peace of mind.

Vimala V

PUZHITHIVAKKAM

Seamless Digital Experience

Our scooter is used by everyone at home for small work nearby. I wanted the insurance active, and the online process was quick enough to finish from home.

Payal Priyadarshani Nath

HYDERABAD

Quick Policy Issuance

I remembered my bike insurance renewal while I was outside. I completed it on my phone and saved the document before riding back.

Murthy Lakshminarasimha Dasari

RAJENDRANAGAR

Seamless digital experience

I forgot about the renewal till the last day. I completed it in the evening and got the policy message quickly, so I could ride the next morning.

Kiran Tanguturi Kumar

PRODDATUR

Value for money

My bike is mainly for office and small errands. I didn't want a heavy premium, and the cover felt enough for my daily riding.

Ramesh Kumar Ramjas Shukla

MUMBAI

Quick policy issuance

I didn't have all my documents handy, but the form only required basic bike details, which made it easy to complete.

Diddi Ramesh

HYDERABAD

Easy application

I don't ride long distances, so I wanted a normal plan for city use. The price felt reasonable for the kind of protection I needed.

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Frequently Asked Questions (FAQs)

Is it compulsory to buy bike insurance for my TVS Ntorq 125?

Yes, you must have insurance for your Ntorq 125 because the Motor Vehicle Act 1988 makes it mandatory. When you ride without insurance, the police can fine you ₹2000-₹4000* and take away your scooter. This creates big problems since your Ntorq 125 is your daily ride to college or work. So having valid insurance papers keeps you safe from legal troubles while riding.

What is zero-dep insurance?

Zero depreciation means you get full replacement value when repairing your Ntorq 125 after accidents. Your plastic parts, fibre panels and electronic components get covered at original prices without any deductions. This saves you thousands of rupees on repairs because smart scooter parts cost much more than regular ones. So this add-on becomes very valuable when you need expensive repairs for your advanced features.

Can I add multiple add-ons to my policy?

Yes, you can choose multiple add-ons like engine protection, key replacement, helmet cover and roadside assistance together. Each add-on gives you extra protection that basic insurance doesn't cover for your smart Ntorq 125. Popular combinations include zero depreciation with engine protector or consumable cover with daily allowance. So you can customise your protection based on your daily riding habits and specific needs perfectly.

What is the cost of scooty insurance?

The TVS Ntorq 125 insurance price starts at just ₹18 per month*, which is very affordable for students and working professionals. This low cost covers your smart features like digital display and electronic parts that cost much more than regular scooters. The final amount depends on your coverage type, add-ons you choose and your city location. So you get complete protection without spending too much money.

Can I transfer my NCB (No Claim Bonus) when I sell my TVS Ntorq?

Yes, your No Claim Bonus stays with you personally, not with the scooter you sell. When you buy a new scooter or motorcycle, you can transfer your discount benefits to the new insurance policy easily. This means your safe riding history continues saving you money on premiums for years. So careful riders get rewarded even when they change their vehicles, which encourages responsible riding habits.

What if I miss the TVS Ntorq 125 insurance renewal deadline?

Missing your renewal deadline creates legal problems and leaves you without any protection on the roads. However, you can still renew your expired policy, but you'll need a vehicle inspection and lose your No Claim Bonus benefits. The TVS Ntorq 125 insurance price stays reasonable even after delays, but it's better to renew on time. So use our IndusInd Insurance app, which sends reminders to avoid these problems completely.