DETAILED GUIDE ON BIKES AND INSURANCE IN INDIA 2026

In 2026 timeframe, the two-wheeler market in India is expected to witness a significant transformation toward cleaner and more sustainable mobility. The rising fuel costs, increasing environmental concerns, and supportive government initiatives are likely to replace petrol bikes with eco-friendly alternatives. In addition, the growing use of electric and CNG bikes, such as Ather 450X and Ola S1 and budget-friendly options like Hero Electric Optima HX are going to create wider growth opportunities across the sector. Whether you are opting for new or second-hand bikes, insuring it through Quickinsure can offer you better protection and comprehensive coverage for a safe ride.

Top-rated Electric Bikes in 2026:

●        Ola S1: It is a high-tech and performance-oriented bike offering long range.

●        Ather 450X: It is a premium, sporty, and agile electric bike offering dynamic riding experience and smart connected features.

●        TVS iQube: This is a practical and reliable e-bike that offers a smooth city ride.

●        Hero Electric Optima HX: It is a budget-friendly bike offering extended range and portable charging convenience.

●        Revolt400: This bike is going to be known for its sporty design and AI-enabled features.

 

Over the past few years, increasing fuel prices and rising governmental concerns have boosted the demand for alternative fuel vehicles in India. In addition, surge in petrol and diesel costs have put pressure on consumers and businesses to adopt eco-friendly options who rely on traditional internal combustion engine vehicles. Furthermore, rapid industrialization and urbanization across the nation have notably increased the levels of air pollution in metropolitan cities like Delhi and Mumbai. This release of toxic air into the atmosphere has caused significant health problems and impacted the quality of life for citizens.

To overcome these major issues, the government and automobile industry in India emphasized adopting natural gas and EVs as cleaner alternatives to petrol and diesel vehicles. Compressed natural gas (CNG) vehicles have already gained huge popularity in public transportation modes, including buses, taxis, and auto-rickshaws. On the other hand, electric vehicles have also arrived in the Indian market at a slower pace due to high costs and lack of charging infrastructure.

Moreover, with the help of a trusted platform like Quickinsure, you can compare the insurance for all types of eco-friendly vehicles, which can help you get your suitable bike with comprehensive protection.

What are EV Bikes?

EV bikes are the two-wheelers that are completely powered by rechargeable lithium-ion batteries. These vehicles do not require CNG or petrol to run. They offer a noise-free and emission-free riding experience. These days, the increasing implementation of charging stations and notable government initiatives have elevated the adoption of EVs among consumers in India.

Advantages:

●        Zero Emissions: They produce no tailpipe emissions, thereby maintaining better air quality.

●        Lower Running Costs: They are cheaper compared to internal combustion engines.

●        Quiet Operation: These bikes operate much more quietly than fuel-powered or CNG bikes.

●        Eco-Friendly: EV bikes represent a transition toward the adoption of renewable energy

Challenges:

●        High-Cost: These bikes offer higher purchase price as compared to gasoline and CNG bikes.

●        Limited Range: They support a restricted riding range compared to petrol or CNG bikes.

●        Long Charging Time: The recharge time of an EV bike battery is significantly longer than refueling a petrol or CNG bike.

●        Limited Charging Infrastructure: There is low availability of public charging stations which acts as a strong barrier in their adoption. 

What are Fuel/Petrol Bikes?

Fuel bikes are two-wheeler vehicles that are powered by an internal combustion engine that burns gasoline to generate power. These two wheelers are preferable among individuals because of their affordability and long-distance range.

Advantages:

●        Greater performance: Petrol bikes offer superior acceleration and higher top speeds compared to eco-friendly alternatives.

●        Engine familiarity: The technology used behind combustion engine parts is well-understood among most mechanics across the nation. This is why individuals get easy services and spare parts for the vehicles.

●        Lower Initial Cost: Compared to some advanced electric models, petrol bikes have a lower purchasing cost.

Challenges:

●        Environmental impact: Burning petrol emits harmful pollutants such as carbon monoxide, which contribute to air pollution and global warming.

●        Higher running costs: Petrol prices are often high and fluctuate frequently, making the cost per kilometer unpredictable and generally more expensive than electric alternatives.

●        Regular upkeep: Petrol engines need consistent maintenance, like oil changes and periodic servicing, which increases long-term ownership costs.

●        Noise generation: Petrol engines are mainly louder than electric motors, adding to overall noise pollution.

●        Reliance on fossil fuels: Petrol is derived from non-renewable sources, making its continued use unsustainable in the long run.

What are CNG Bikes?

CNG bikes are powered by compressed natural gas, which is a fossil fuel but cleaner than petrol or diesel. India already has a robust CNG infrastructure for cars, especially in metropolitan areas. These bikes emit almost 20-30% less CO2 compared to petrol bikes. Even these bikes also cause lower nitrogen oxides and particulate emissions.

Advantages:

●        Lower fuel cost. CNG is comparatively cheaper than petrol, thereby reducing overall running expenses.

●        Less Pollution: These bikes support cleaner combustion which leads to fewer harmful emissions.

●        Greater mileage: CNG bikes offer greater fuel efficiency compared to petrol ones.

●        Quicker refueling: The refueling of these bikes takes minutes similar to that of petrol bikes.

Challenges:

●        Restricted availability: CNG stations are mostly incorporated in urban centers.

●        Reduced power output: CNG engines feel less powerful than petrol ones.

●        Larger tank size and vehicle weight: CNG cylinders require installation space and add more weight to the bike.

Top 10 Electric Bikes and Scooters in India

Here are highly recommended electric scooter models in India that have created wider growth opportunities across the sector:

1. Ather 450X:

This top-notch model is widely popular for its futuristic design and cutting-edge technology. Ather 450X offers enhanced performance with a significant speed of 90 km/hr. Its touchscreen dashboard and over the air-updates make it a popular choice among tech-savvy riders.

2. Ola S1

Ola, a renowned EV brand, has created waves in the electric two-wheeler market with its Ola S1 model. This scooter offers a range up to 121 km on a single charge and possesses various smart features.

3. TVS iQube

TVS, one of the well-established two-wheeler firms, has made entry into the market with its new launch, namely, TVS iQube. It offers a great balance between performance and practicality, providing a top speed of 78 km/h and an intelligent TFT instrument cluster.

4. Revolt RV400

This particular model has introduced innovative 'swappable' battery technology that helps address concerns about charging infrastructure. It offers a speed of 85 km/h and has gained huge attention for its distinctive design and customization options.                        

5. Hero Electric Optima HX

Hero Electric, a leader in the electric two-wheeler segment, introduces a new model namely, Optima HX as a reliable and affordable choice. It provides a range of approximately 82 km on a single charge. This model is highly preferable for urban commuters.

6. Bajaj Chetak

This brand comes up with new innovations by combining classic design elements with modern technology. This EV bike offers a decent range of 95km on a single charge.

7. Pure EV EPluto 7G

This model of EPluto is known for its simplicity and efficiency. This scooter is designed for urban commuters and provides a top speed of 60km/hr. The model, EPluto 7G, has gained huge popularity for its user-friendly design and cost-effectiveness.

8. Ampere Magnus Pro

Ampere Vehicles, offers the Magnus Pro as an electric scooter catering to the mass market. This scooter focuses on reliability and performance, delivering a range of around 80-100 kms on a single charge. It addresses the needs of budget-conscious riders without compromising on quality.

9. Tork T6X

Tork Motors has introduced a model namely, Tork T6X, that offers a speed of 105 km/h. In the EV motorcycle segment, this scooter is recognized for its robust build-up quality and smart features.

Used & Second-hand EV Bikes Market

Buying a used or second-hand EV bike can be a smart and affordable way to experience electric mobility. However, before finalizing the purchase, it’s important to inspect the following things:

●        The battery health

●        The charging capacity

●        Overall condition of the bike

Always verify ownership documents, service history, and ensure the vehicle hasn’t been involved in any major accidents. Even though it’s a pre-owned bike, having insurance remains essential. It safeguards you from unexpected repair costs, theft, or damage and covers third-party liabilities in case of accidents.

Additionally, valid insurance is mandatory under Indian law. Opting for a comprehensive policy ensures peace of mind and financial protection, making your second-hand EV purchase both safe and worthwhile.

Insurance & Maintenance Tips

With a trusted entity like Quickinusure, you can compare comprehensive two-wheeler insurance plans to safeguard your vehicle. Having bike insurance is essential for bike owners. With Quickinsure, you can receive following benefits:

●        Better coverage options

●        Cost savings

●        Transparency

●        Instant quotes

●        Hassle-free process

●        Smart decision-making

The Bottom Line

The transition toward sustainable mobility in India is accelerating, with EVs and CNG bikes emerging as cleaner, cost-efficient alternatives to traditional petrol bikes. Each option has unique advantages depending on performance, cost, and convenience preferences. As the nation embraces eco-friendly transportation, protecting your vehicle remains equally vital.

Protect your ride and your peace of mind by comparing, choosing, and saving with Quickinsure’s two-wheeler insurance plans today!

Visit Quickinsure.co.in for instant quotes and smarter coverage options.

FAQs:

1. What is an EV bike?

An EV bike is a two-wheeler powered entirely by rechargeable batteries. It produces zero emissions, operates quietly, and has lower running costs than petrol bikes.

2. Are petrol bikes better for long-distance rides?

Yes, petrol bikes offer higher top speeds, longer range, and easy availability of service and spare parts. However, they contribute more to pollution and have higher running costs.

3. How do CNG bikes compare to petrol bikes?

CNG bikes are cleaner, cheaper to run, and more fuel-efficient than petrol bikes. Their limitations include reduced power, heavier cylinders, and fewer refueling stations.

4. Can I buy a used EV bike safely?

Yes, but check battery health, charging capability, overall condition, and ownership documents. Comprehensive insurance is recommended for protection.

5. How can I insure my two-wheeler efficiently?

Platforms like Quickinsure let you compare plans, save costs, and get instant quotes, ensuring better coverage and hassle-free insurance.

6. What are the top-rated electric bikes in India for 2026?

Some of the top-rated electric bikes in India 2026 include the Ather 450X, Ola S1, TVS iQube, Bajaj Chetak, and Revolt RV400. They are mainly known for their performance, design, and smart connectivity features.

7. Can I buy second-hand electric bikes safely in India?

Yes, buying second-hand electric bikes is a smart and affordable choice for you. The things that you need to pay attention to is to check the bike’s battery condition, charging capacity, and ensure that you have valid insurance coverage through Quickinsure.

8. What is the average mileage of an EV bike in India?

Most EV bikes in India offer an average mileage of 70–120 km per charge, depending on the model, battery capacity, and riding conditions.

9. Where can I find used electric bikes for sale in India?

You can find used electric bikes for sale on popular online marketplaces or certified EV dealerships and then visit Quickinsure.co.in to get the best insurance deals for your purchase.

Updated on - 06/01/2026