The two parts of a policy
Third-party liability covers injury or damage you cause to others. It is mandatory, and for new two-wheelers it is sold as long-term cover (five years).
Own damage covers your scooter against accidents, theft, fire, floods and similar events. Together with third-party cover this is a comprehensive policy, which we strongly recommend for a new Ather.
Add-ons worth considering
| Add-on | Why it helps |
|---|---|
| Zero depreciation | Claims pay for replaced parts without deducting for age — valuable in the first few years |
| Roadside assistance | Help if the scooter stops on the road |
| Return to invoice | Pays the invoice value if the scooter is stolen or written off |
| Consumables | Covers small items like nuts, bolts and fluids used in repairs |
Ask specifically how each insurer treats the battery in an own-damage claim — it is the most expensive component, and policy wording varies.
Monsoon and flooding
Comprehensive policies generally cover flood damage, but damage caused by deliberately riding through deep water can be disputed. Our monsoon guide explains how to avoid it in the first place.
Claims through Pillai Auto
Our service bays handle insurance repairs with the major insurers, including cashless claims where the insurer offers them. Call us before moving a damaged scooter far, take photographs, and file the claim with your insurer promptly.
Questions we get asked
Yes. Third-party insurance is mandatory for all registered scooters, including electric ones.
For a new scooter, usually yes. It means claims pay for replaced parts without deducting for depreciation.
Own-damage cover generally includes the battery as part of the vehicle, but wording varies between insurers. Check how your policy treats it before you buy.