Many bike owners don't just want to go fast; they also want to save money in the long run. Low-maintenance bikes have become popular due to rising fuel and maintenance costs.
Additionally, a bike requiring little maintenance will likely have low third party bike insurance rates. That's because insurers often determine how risky a bike is by looking at how reliable it is, how often it needs repairs, and how much extra parts cost.
Let's look at the best bikes with the best speed, sturdiness, and low running costs.
1. Hero Splendour Plus: The Mileage King
The Hero Splendour Plus has a reputation for being almost impossible to damage, which makes it a classic commuting bike.
Why It’s Low Maintenance?
Air-cooled, 97.2cc engine with proven durability
Simple carburettor-based fuel system
Low-cost spare parts are widely available
Hero’s extensive service network
Specs At A Glance:
Mileage: 60-70 kmpl
Engine: 97.2 cc
Price: ₹75,000 (approx.)
Due to the Splendour's low claims history and simple fix history, even two wheeler insurance costs remain low.
2. Honda CD 110 Dream: Silent, Steady, Sustainable
The Honda CD 110 Dream is a proper commuter bike that works well in cities and on rough terrain.
Highlights:
Honda Eco Technology (HET) engine for fuel efficiency
Strong build with basic features
Tubeless tyres to avoid frequent punctures
Specs:
Mileage: 65-70 kmpl
Engine: 109.5 cc
Price: ₹74,000 (approx.)
Third party bike insurance rates are lower when the bike has fewer moving parts and requires less maintenance.
3. TVS Sport: Compact Yet Tough
The TVS Sport is a good choice if you want a reliable machine without frequent fuel stops.
Maintenance Benefits:
Highly fuel-efficient 4-stroke engine
Basic analogue meter and mechanical parts (less scope for damage)
5-year warranty option
Key Details:
Mileage: 70-75 kmpl
Engine: 109.7 cc
Price: ₹69,000 (approx.)
Due to its simple design, two-wheeler insurance rates are kept manageable.
4. Bajaj Platina 100: Built For Comfort And Economy
With its focus on long trips, the Platina 100 is one of the most fuel-efficient bikes ever made.
Why It’s Easy To Maintain?
DTS-i engine that needs very little upkeep
Comfortable suspensions built to last
Simple design with reduced electronics
Overview:
Mileage: 75-90 kmpl
Engine: 102 cc
Price: ₹67,000 (approx.)
Because it is so well-made, the Bajaj Platina rarely ends up in garages. This means that insurance claims are lower, and third party bike insurance is less expensive.
5. Bajaj CT 110X: Rugged Performer For Rough Roads
The CT 110X is built like a tank but is easy to fix. It was made for transport in rural areas.
Features That Cut Maintenance:
Thick crash guards and rubber tank pads
Long-life chain cover and fork gaiters
Stronger frame and heavy-duty tyres
Quick Specs:
Mileage: 70-75 kmpl
Engine: 115 cc
Price: ₹73,000 (approx.)
Because of its longevity, insurers see it as a low-risk asset, which lowers the cost of two wheeler insurance.
6. TVS Radeon: Style Meets Simplicity
People often compare the Radeon to the Splendour. It is TVS's answer to a stylish, low-maintenance commuter bike.
Advantages:
Duragrip tyres and synchronised braking
Chrome-finished body parts that resist rust
Trouble-free start and low service frequency
Tech Specs:
Mileage: 65-70 kmpl
Engine: 109.7 cc
Price: ₹78,000 (approx.)
It is also known for having fewer technical problems, making it a good choice when considering third-party bike insurance rates.
7. Hero HF Deluxe: Reliable For Everyday Hustle
The HF Deluxe is ideal for India's roads and economy because it is cheap, light, and has good mechanics.
Key Benefits:
XSens fuel injection tech
Built-in i3S start-stop system for extra mileage
Hassle-free service intervals
Core Stats:
Mileage: 60-70 kmpl
Engine: 97.2 cc
Price: ₹66,000 (approx.)
Fewer breaks lower your repair costs and increase your likelihood of filing a claim on your two wheeler insurance, which keeps your NCB (No Claim Bonus).
8. KTM Duke 125: A Low-Maintenance Sports Bike
Surprised? When it comes to speed bikes, the Duke 125 is one of the few that is known for being easy to maintain.
Why It Makes The Cut?
Precision engineering means fewer part failures
Premium service intervals
ABS and electronic fuel injection reduce wear
Performance Specs:
Mileage: 40-45 kmpl
Engine: 124.7 cc
Price: ₹1.80 lakh (approx.)
Third party bike insurance is still competitive, even in this high-end market, thanks to its dependable performance and strong brand recognition.
9. TVS Star City Plus: Reliable Comfort with Minimal Fuss
The TVS Star City Plus is an excellent choice for people who want a daily commuter that is comfortable, efficient, and doesn't cost a lot to maintain.
Why It’s Low Maintenance?
EcoThrust Fuel Injection engine improves mileage and reduces engine strain
Simple design with easy-to-service parts
Long-life components like tubeless tyres and a durable seat frame
5-year warranty available, ensuring peace of mind
Specs At A Glance:
Mileage: 65–70 kmpl
Engine: 109.7 cc
Price: ₹85,000 (approx. on-road)
Its clean mechanical profile ensures fewer breakdowns, which lowers the chances of filing claims.
Why Do These Bikes Have Affordable Insurance?
Most motorcycles that are simple to fix and keep up are:
Less likely to be involved in frequent breakdowns
Less expensive to fix or replace
Associated with a safer, commuter-style riding behaviour
The two wheeler insurance rate estimates are directly impacted by the insurers' perception of them as low risk as a result.
Because these bikes are so simple, they are also great for:
First-time owners
Daily commuters
People in areas with limited servicing access
These types help you comply with the law without exceeding budget because third-party bike insurance is required.
Tips To Keep Your Maintenance Costs Low
Motorcycles need care, even if they are very durable. Here are some ideas:
Servicing every 3,000 to 4,000 km
Use the engine oil that the company recommends.
Do not buy extras like colourful LED kits that put a lot of stress on the battery.
Use OEM parts only.
Ride easily to keep things from wearing out too quickly.
Regular maintenance pays off in multiple ways because insurers often look at a bike's service history when deciding whether to renew two wheeler insurance.
When Should You Upgrade Your Insurance Plan?
While third-party bike insurance is the legal minimum, consider upgrading to comprehensive coverage if:
You ride long distances daily
You own a newer model (less than 2 years old)
Your location has higher accident or theft risks
A comprehensive plan covers:
Own damage
Natural disasters
Vandalism
Theft
And yes, even low-maintenance bikes can face sudden mishaps, so evaluate your risks every year before renewing.
Conclusion: Buy Smart, Ride Far
A bike that doesn't need much upkeep is excellent for commuting and can save you money in the long run. These bikes are easy on the wallet, from fuel to maintenance to two-wheeler insurance. Their designs are based on real-life situations and won't leave you with unexpected costs.
Those bikes will get you where you need to go if you want a reliable, quick, and inexpensive form of transportation. For the best peace of mind, don't forget to pair it with a good comprehensive or third party bike insurance policy!
FAQs
1. Does your insurance cover an engine that breaks down because you didn't maintain it?
Not at all. Insurance usually does not cover mistakes in upkeep or carelessness that cause mechanical or electrical problems. To stay safe, it's essential to get regular maintenance.
2. Do regular bike insurance policies cover add-ons and changes?
They might not cover it if you don't tell the insurance company about it and get permission for changes like fancy lighting, custom seats, or speed parts.
3. Can I change my insurance from third-party to comprehensive in the middle of my policy?
But only when you repeat can you make the change. Before your present third party bike insurance runs out, comparing both choices is a good idea.
Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.
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