Hero Splendor Insurance 2026: Premium & Best Plans
Splendor insurance — premium ₹3.2K-₹5K/year, TP ₹1,400/yr, comprehensive vs TP, budget tips!
Himanshu Paliwal
IRDAI Certified Insurance Advisor • POSP Code: IP429834
15 January 2026
Hero Splendor Insurance Guide 2026: Premium, IDV & Best Plans
Hero Splendor India mein ek sabse popular commuter bike hai — iska insurance lena Motor Vehicles Act 1988 ke under legally mandatory hai. Is guide mein aap jaanenge:
- Hero Splendor ka insurance premium kya hoga
- IDV (Insured Declared Value) kaise calculate hota hai
- Third-party vs Comprehensive — kaun sa better hai
- Best add-ons jo aapko lena chahiye
- Claim process step-by-step
📊 Hero Splendor Insurance Premium Table 2026
Premium Comparison
3 Plans| Plan Type | Coverage | Estimated PremiumBest |
|---|---|---|
| Third-Party Only | Third-party damage cover | 1400 |
| Comprehensive | Own damage + TP | 3200 |
| Comprehensive + Zero Dep | NaN | 3800 |
Third-Party Only
Comprehensive
Comprehensive + Zero Dep
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Note: Premium varies by city, age of vehicle, NCB, and add-ons. Above rates are approximate for a new Hero Splendor.
Hero Splendor Variants & Pricing (2026)
Premium Comparison
5 Plans| Variant | Ex-Showroom PriceBest | Engine | Key Feature |
|---|---|---|---|
| Splendor Plus | 75400 | 97.2cc | Classic commuter |
| Splendor Plus Xtec | 79900 | 97.2cc | i3S, LED DRL |
| Splendor Plus Black & Accent | 82400 | 97.2cc | Premium styling |
| Super Splendor | 82400 | 124.7cc | 125cc power |
| Super Splendor Xtec | 86400 | 124.7cc | Bluetooth, LED |
Splendor Plus
Splendor Plus Xtec
Splendor Plus Black & Accent
Super Splendor
Super Splendor Xtec
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💰 Hero Splendor IDV Calculation
IDV = Ex-showroom Price - Depreciation
Premium Comparison
6 Plans| Vehicle Age | Depreciation % | IDV (Approx) |
|---|---|---|
| 0-6 months | 5% | ₹71,630 - ₹82,080 |
| 6 months - 1 year | 15% | ₹64,090 - ₹73,440 |
| 1-2 years | 20% | ₹60,320 - ₹69,120 |
| 2-3 years | 30% | ₹52,780 - ₹60,480 |
| 3-4 years | 40% | ₹45,240 - ₹51,840 |
| 4-5 years | 50% | ₹37,700 - ₹43,200 |
0-6 months
6 months - 1 year
1-2 years
2-3 years
3-4 years
4-5 years
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Pro Tip: IDV kam rakhne se premium kam hoga, lekin claim mein bhi kam milega. Hamesha correct IDV rakhein!
🔍 Third-Party vs Comprehensive Insurance
Premium Comparison
7 Plans| Feature | Third-Party | Comprehensive |
|---|---|---|
| Your vehicle damage | ❌ Not covered | ✅ Covered |
| Third-party damage | ✅ Covered | ✅ Covered |
| Theft cover | ❌ Not covered | ✅ Covered |
| Natural calamity | ❌ Not covered | ✅ Covered |
| Add-ons available | ❌ No | ✅ Yes |
| Legal requirement | ✅ Mandatory | Optional but recommended |
| Premium | Lower (₹1,400/yr) | 3200 |
Your vehicle damage
Third-party damage
Theft cover
Natural calamity
Add-ons available
Legal requirement
Premium
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⭐ Best Add-Ons for Hero Splendor
- Zero Depreciation Cover — Sabse important! Splendor ke parts replacement mein depreciation 30-50% hoti hai — zero dep se poora claim milega
- Personal Accident Cover — ₹15 Lakh coverage (owner-driver) — IRDAI ke according mandatory hai
- NCB Protector — Ek claim ke baad bhi NCB safe rahega — daily commuter mein chhote accidents common hain
- Roadside Assistance — 24/7 emergency help — Splendor daily use bike hai, breakdown risk zyada
- Return to Invoice — Total loss/theft mein poora invoice value milega — naye Splendor ke liye useful
📋 Hero Splendor Claim Process
Cashless Claim:
- Hero MotoCorp authorized service center mein le jaayein
- Insurance company ko inform karein (24-48 hours)
- Surveyor assess karega damage
- Repair start — bill directly insurer pay karega
- Sirf depreciation/excess ka payment karein
Reimbursement Claim:
- Kisi bhi authorized workshop mein repair karwaein
- Original bills aur documents save karein
- Claim form bharein aur documents submit karein
- 15-30 din mein amount bank mein transfer hoga
🏆 Top Insurers for Hero Splendor 2026
Premium Comparison
5 Plans| Insurer | CSR | Comprehensive PremiumBest | Key Benefit |
|---|---|---|---|
| ICICI Lombard | 91.22% | 3600 | Wide network, fast claims |
| HDFC ERGO | 98.85% | 4000 | Highest CSR, cashless garages |
| Bajaj Allianz | 93.65% | 3400 | Good add-on options |
| TATA AIG | 96.67% | 3800 | Strong claim support |
| Acko | 99.91% | 3200 | Digital-first, instant claims |
ICICI Lombard
HDFC ERGO
Bajaj Allianz
TATA AIG
Acko
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❓ FAQ — Hero Splendor Insurance
Q: Hero Splendor ka third-party insurance kitna hai? A: IRDAI fixed rates ke according, Hero Splendor Plus (below 75cc to 150cc) ka third-party premium ₹1,400/year hai 2026 mein. 5-year TP policy ₹7,649 mein bhi available hai.
Q: Kya zero depreciation add-on lena chahiye? A: Haan! Splendor ke parts replacement mein zero dep ke bina 30-50% depreciation deduct hoti hai. ₹250-₹600/year mein ek claim mein ₹1,000-₹3,000 bacha sakte hain. Value for money hai!
Q: Hero Splendor ka insurance online kaise karein? A: Paliwal Secure AI website pe visit karein, vehicle details dalein, plans compare karein, aur online buy karein — 5 minute mein ho jayega!
Q: NCB kya hai aur kaise kaam karta hai? A: No Claim Bonus (NCB) ek discount hai jo claim-free year pe milta hai — 20% se 50% tak. Splendor ke comprehensive insurance mein NCB lagbhag ₹640-₹2,500 tak bachat kar sakta hai.
Q: Splendor purani hai — kya insurance lena zaroori hai? A: Haan! Third-party insurance legally mandatory hai chahe kitni bhi purani bike ho. Purani Splendor ke liye comprehensive bhi consider karein — theft risk high hai aur repair costs bhi cover hote hain.
⚠️ IRDAI Disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure/policy wording carefully before concluding a sale. | POSP Code: IP429834 | Paliwal Secure AI
Written by Himanshu Paliwal, IRDAI Certified POSP Insurance Advisor, Jaipur, Rajasthan. Contact: +91 9258777312
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Himanshu Paliwal
IRDAI Certified Insurance Advisor • POSP Code: IP429834
Himanshu Paliwal IRDAI Certified Insurance Advisor (POSP Code: IP429834) hain jo 2019 se Bharat bhar ke parivaron ko behtar insurance decisions lene mein madad kar rahe hain.