Pulsar bike insurance protects you against accidents, theft, natural disasters, and third-party liabilities. At a minimum, third-party insurance is mandatory by law in India. But most Pulsar owners choose comprehensive insurance because it also covers damage to their own bike and offers better peace of mind.
Insurance cost depends on the Pulsar variant, engine capacity, city, bike age, and coverage type. Third-party plans are the cheapest, while comprehensive plans cost more but offer wider protection. Add-ons like zero depreciation, roadside assistance, and engine protection can enhance coverage further.
In short, the right Pulsar bike insurance keeps you legally compliant, financially protected, and stress-free on every ride.
A Bajaj Pulsar never feels like just metal and fuel, it feels more like a habit you grow attached to. You know its pull at green lights, the slight vibration at higher speeds, the way it waits outside like it is ready before you are. Daily commutes turn quicker, late rides feel comforting, and weekend spins become routine therapy. Still, roads have a way of testing even familiar machines. A sudden stop, a careless door swing, or a slide on loose gravel can flip the mood in seconds.
This is where Bajaj Pulsar bike insurance stops being a formality and starts earning respect. It steps in when repair costs jump higher than expected or when third-party issues land on your plate. Have you looked closely at what your current policy actually supports? Does it cover small mishaps as well as serious ones, or does it fade when help is needed most? Many riders only notice the gaps once bills arrive.
Goodtwo wheeler insurance online also brings calm. You ride lighter, without second-guessing every turn. Want to understand which cover suits your Bajaj Pulsar and why details matter? Read on below to get the full picture.
Bajaj Pulsar Bike Insurance Price / Premium
Your Bajaj Pulsar is more than just a bike. It’s a companion on city rides, weekend escapes, and long routes home. That’s why choosing the right insurance matters. At SMC Insurance, we make Bajaj Pulsar two-wheeler insurance easy. You can compare prices, pick Third-Party (TP), Own Damage (OD), or full Comprehensive cover and choose what fits your needs.
Here’s a snapshot of approximate premium ranges you might see on Bajaj Pulsar bikes in India:
Third-Party Insurance (basic, mandatory cover): starts from around Rs. 700 to Rs. 900 on many Bajaj Pulsar models.
Comprehensive Bike Insurance (broader cover including theft and damage): often ranges from about Rs. 4,000 to Rs. 4,200 for popular models like Bajaj Pulsar 150.
Zero Depreciation Add-On (optional, reduces depreciation impact on claims) can be added for a bit more, giving you stronger protection.
These numbers change with year of manufacture, rider age, engine size and chosen insurer. You can renew online, keep your No Claim Bonus intact, and sometimes enjoy discounts up to 50% if you ride safely and stay claim-free.
And yes, TP cover is compulsory by law. If you skip it, you risk penalties and legal trouble. A quick online purchase or renewal today can keep hassles away tomorrow.
How to Calculate Bajaj Bike Insurance Online?
Calculating two wheeler insurance no longer means calling agents or guessing prices. It’s quick now. When you calculate Bajaj Pulsar bike insurance online, a few basics decide the final premium:
1
Bike Variant & Engine Size
For example, a Bajaj Pulsar 125 will cost less to insure than higher-capacity models.
2
Year of Manufacture
Newer bikes usually attract a higher insured value and slightly higher premium.
3
Type of Policy
Third-party is the cheapest and comprehensive costs more but covers a lot more.
4
Add-ons selected
Zero depreciation or roadside assistance will add to the price, but also add comfort.
5
No Claim Bonus
If you haven’t raised a claim earlier, your premium comes down. Sometimes sharply.
On SMC Insurance, you simply enter your Bajaj Pulsar details once. The system pulls quotes from multiple insurers and shows you clear numbers. And that makes decision-making much easier.
Bajaj Pulsar Variants Covered Under Insurance
The Bajaj Pulsar family is wide and diverse. Bajaj offers many engine sizes and styles, so whether you ride a compact commuter or a higher-powered street bike, insurance options are ready for you. Here’s a long list of Bajaj Pulsar variants we typically handle insurance for:
Bajaj Pulsar 125
Bajaj Pulsar NS125
Bajaj Pulsar 150 (Classic, ABS, Neon)
Bajaj Pulsar NS160
Bajaj Pulsar N160
Bajaj Pulsar NS200
Bajaj Pulsar RS200
Bajaj Pulsar N250
Bajaj Pulsar NS400Z
Each of these bikes has a unique personality. The 125 and NS125 are daily riders with easy handling. The 150 variants mix city sense with extra punch. Move up to the NS200 or RS200 and you feel that sportier edge. And the NS400Z sits toward the top of the range with a big bike feel.
Popular Bikes Similar to Bajaj Pulsar
The Bajaj Pulsar has built a loyal following for a reason. It balances power, mileage, and comfort in a way that feels just right for everyday riding. Still, many riders like to explore options in the same space before deciding or switching.
Some popular bikes that often come up alongside Bajaj Pulsar include TVS Apache RTR 160, known for its sharp handling and sporty feel. Then there’s the Honda Unicorn, which leans more toward comfort and long-term reliability. Riders looking for a lighter, agile bike often compare Bajaj Pulsar with the Yamaha FZ. And if aggressive styling is your thing, Hero Xtreme 160R usually makes the shortlist.
No matter which bike you ride, insurance plays the same quiet but important role. It stays in the background until the day you really need it. And that’s when having the right cover matters most.
Is Bike Insurance Mandatory for Bajaj Pulsar?
Yes, it is. As per Indian motor laws, every Bajaj Pulsar on the road must have at least a third-party two-wheeler insurance policy. This applies whether you ride daily or only on weekends. Third-party insurance protects you if your bike causes injury, death, or damage to someone else or their property.
But here’s the catch. Third-party cover won’t pay for damage to your own Pulsar. No help if your bike is stolen. No cover if it’s damaged in an accident or flood. That’s why many Bajaj Pulsar owners go a step further and choose broader protection.
Types of Bajaj Pulsar Bike Insurance Plans
Choosing insurance doesn’t have to feel complicated. It really comes down to how much protection you want and how you use your bike.
Third-Party Insurance Plan
This is the basic and legally required option. It covers damage or injury caused to others by your Pulsar. It’s affordable and straightforward. But it doesn’t protect your bike at all.
Own Damage Insurance Plan
This plan focuses only on your Pulsar. It covers damage due to accidents, fire, theft, floods, and other listed risks. Own damage plans are usually bought when you already have a long-term third-party policy.
Comprehensive Bike Insurance Plan
This is the most complete option and the most popular choice among Bajaj Pulsar owners. It combines third-party and own damage cover in one policy. You’re protected on both fronts, which brings real peace of mind.
At SMC Insurance, we help you compare plans from leading insurers in one place. No pressure. No jargon overload. Just clear options so you can choose what fits your Bajaj Pulsar and your budget.
What is Covered and Not Covered Under Bajaj Pulsar Bike Insurance?
What's Covered?
Your Bajaj Pulsar is built for daily rides and sudden plans. And insurance is meant to quietly back you up when things go off script. A standard Bajaj Pulsar two wheeler insurance policy covers more than most riders expect. Here’s what usually stays protected:
Damage to your Bajaj Pulsar due to accidents like scratches, dents, broken parts, etc. Whether it’s a minor fall or a serious crash, repair costs are covered under own damage.
If your Bajaj Pulsar is stolen and not recovered, the insurer compensates you based on its insured value.
Floods, earthquakes, storms, or fire related damage are included under comprehensive plans.
Riots, strikes, vandalism, and similar situations are covered if they damage your bike.
Injury, death, or property damage caused to someone else by your Bajaj Pulsar is legally covered.
And all of this works best when you pick the right plan type.
What's Not Covered?
Insurance helps a lot. But it doesn’t cover everything. Knowing what’s excluded keeps expectations real and avoids surprises later. Here’s what typically falls outside coverage:
Claims can be rejected if the rider is riding without a valid driving licence and isn’t legally allowed to ride.
Accidents under the influence of drinks or intoxications are not covered.
Tyres, brake pads, clutch plates, and aging parts aren’t included.
Failures that happen without an accident like mechanical or electrical breakdowns are usually excluded.
Racing, commercial use, or stunts can void coverage.
Once the policy expires, protection stops instantly.
Add-Ons Recommended for Bajaj Pulsar Two-Wheeler Insurance
Add-ons are optional, but they can make a real difference. Especially for a bike like Bajaj Pulsar that’s often used daily. Some add-ons worth considering:
Zero Depreciation Cover You get higher claim payouts since part depreciation isn’t deducted. Very useful in the first few years.
Roadside Assistance Flat tyre, dead battery, or breakdown on a lonely stretch. Help arrives when you need it.
Engine Protection Cover Covers costly engine damage due to water ingress or oil leaks, which standard plans may skip.
Consumables Cover Pays for small but frequent expenses like engine oil, nuts, bolts, and lubricants during repairs.
Return to Invoice Cover In case of total loss or theft, you receive the original invoice value instead of the depreciated amount.
How to Buy Bajaj Pulsar Bike Insurance Online?
Buying insurance online feels intimidating to some riders. But the process is actually very clean when done right. Here’s how you can buy Bajaj Pulsar bike insurance from SMC Insurance:
On the homepage, click the Bike insurance category.
You can then enter your registered vehicle number and click on “View Quotes". You also have the option to check quotes by giving the bike number.
The upcoming prompts will ask you for your vehicle details like brand, model, fuel type, variant and respective RTO.
Once given, you can check the policy start and end date, confirm NCB details and view quotes from various insurers.
On submission, SMC will display a list of available plans or quotes from partner insurers. You can view plan details like coverage, benefits, inclusions/exclusions, add-ons (if available), insured declared value (for vehicles), etc.
Compare the available options and consider things like third-party vs comprehensive, add-ons (e.g. zero-depreciation, roadside assistance) as per your needs.
Once you select the plan you want, click the button labeled “Buy Now”
Fill out your personal details as required (owner name, address, contact, driving licence/RTO info or health info depending on policy). Ensure all details are accurate.
Make the payment via the online gateway supported by the website. After payment confirmation you will receive your policy document or certificate electronically (through email or website account).
Once everything is processed, your insurance policy becomes active. Keep a digital or printed copy of your policy/certificate for future reference.
Throughout the buying process, you have the option to contact the SMC Team for any kind of support you need.
How to Renew Bajaj Pulsar Bike Insurance Online?
Here’s how to renew your Bajaj Pulsar two wheeler insurance online without stress:
Visit the SMC Insurance website
Enter your existing policy or bike details
Check updated quotes from insurers
Retain or adjust add-ons
Apply No Claim Bonus if eligible
Pay online and get instant renewal confirmation
Renewing on time keeps your coverage active and your No Claim Bonus safe. Letting the policy lapse can increase premiums and even lead to inspection delays. So if your renewal date is coming up, handle it early. It takes a few minutes. And it saves a lot of trouble later.
Claim Process for Bajaj Pulsar Bike Insurance
Things usually go fine. Until one day they don’t. An accident, a fall, or worse, theft. This is when two-wheeler insurance stops being a document and starts giving support. The Bajaj Pulsar two-wheeler insurance claim process is simple when you know the steps. And with SMC Insurance, you’re not left figuring it out alone.
How to Access and Use the HDFC Life Insurance Login Portal?
Managing your life insurance should feel easy. HDFC Life’s online portal and mobile app are built to keep it that way. From checking your coverage to paying a premium or updating your details, everything happens in one secure place: without forms, queues, or repeated calls.
➔ In Case of Accident or Theft
If there’s an accident, start by making sure everyone is safe. The rest can wait a few minutes. Here’s what to do next:
Inform your insurance company as soon as possible
Note down the policy number and accident details
Take photos of the damage if you can
If required, file an FIR, especially in case of theft or major damage
Move the bike only after the insurer allows inspection
For theft, an FIR is mandatory. Once filed, inform the insurer immediately and follow their guidance.
➔ Documents Required
Claims move faster when documents are ready. Most insurers ask for the same basic set. You’ll usually need:
Copy of the insurance policy
RC of the Pulsar
Valid driving licence
FIR copy, if applicable
Claim form filled and signed
Repair bills and estimates, for reimbursement claims
In theft cases, additional documents like non-traceable certificates may be required later.
Why Buy Bajaj Pulsar Bike Insurance from SMC Insurance?
You can buy insurance anywhere. But support is what separates a platform from a page. Here’s why Bajaj Pulsar owners choose SMC Insurance:
Access to multiple leading insurers in one place
Clear comparison of coverage and prices
Honest guidance, not pushy selling
Help during claims, not just at purchase
Easy renewals and reminders
And most importantly, someone to talk to when something goes wrong. That matters more than most riders realize.
Bajaj Pulsar Bike Insurance Claim: Cashless vs Reimbursement
Both options work, but they work differently.
Cashless Claim
If your Bajaj Pulsar is repaired at a network garage, the insurer settles the bill directly with the garage. You only pay for deductibles or non-covered items. This option is faster and less paperwork-heavy. It’s also the most preferred.
Reimbursement Claim
Here, you pay for repairs first. Then submit bills and documents to the insurer for reimbursement. This works well if you choose a garage outside the insurer’s network. But yes, it involves more steps.
SMC Insurance helps you understand which option suits your situation best before you proceed.
Two Wheeler Insurance Terms You Should Know
Insurance language can feel confusing. But a few basic terms make everything clearer.
IDV (Insured Declared Value) The current market value of your Pulsar. It affects both premium and claim amount.
No Claim Bonus (NCB) A discount you earn for not making claims. It can go up to 50 percent.
Deductible The part of the claim you pay from your pocket.
Zero Depreciation An add-on that reduces depreciation cuts during claims.
Policy Tenure The period your insurance stays active.
Once you understand these, choosing and using two wheeler insurance feels far less intimidating.
Summing Up
Bajaj Pulsar bikes are made for real roads and real riders. Daily office runs, late-night rides and long weekends when the road feels open again. Insurance fits quietly into all of this. You don’t notice it when things go right. But when something goes wrong, it matters a lot.
With the right Bajaj Pulsar two wheeler insurance, you protect your bike, your wallet, and your peace of mind. With simple choices, solid cover and fewer worries every time you ride.
Disclaimer: The information provided on this platform is intended for general awareness and educational purposes. While every effort is made to ensure accuracy, some details may change with policy updates, regulatory revisions, or insurer-specific modifications. Readers should verify current terms and conditions directly with relevant insurers or through professional consultation before making any decision.
All views and analyses presented are based on publicly available data, internal research, and other sources considered reliable at the time of writing. These do not constitute professional advice, recommendations, or guarantees of any product’s performance. Readers are encouraged to assess the information independently and seek qualified guidance suited to their individual requirements. Customers are advised to review official sales brochures, policy documents, and disclosures before proceeding with any purchase or commitment.
The company is wonderful insurance platform providing multiple policies under 1 roof. Experience in purchasing the policy is very good. Experts guides you very well
Annu Gour Annu Pune, April 07, 2025
Easy Renewal process
The process to renew my 2-wheeler policy is indeed very quick and easy. Got it done in just 10 minutes. Thanks.
Bipin Singh Mumbai, April 06, 2025
Quick Response
I thought let me renew my two wheeler policy with SMC and see the experience. The experience was good and simple, the only gap which I felt was that the details of the vehicle did not come up after mentioning the vehicle number.
Instant Renewal.
No Paperwork.
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