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The Honda Dio is one of India’s most popular sporty scooters, especially among young urban riders looking for stylish design, lightweight handling, and practical city performance. Available in both 110cc and 125cc versions, the Dio lineup balances fuel efficiency, convenience features, and everyday usability for daily commuting. Since the scooter is widely used for daily commuting and city traffic riding, bike insurance plays an important role in protecting against accidental damage, theft, floods, and third-party liabilities.
The Honda Dio model is currently available with 109.51cc and 123.92cc engines. The Dio 110 focuses more on lightweight city commuting and fuel efficiency, while the Dio 125 offers stronger performance, additional features, and improved highway capability. Recent updates include OBD-2B compliant engines, TFT digital console upgrades, smart key functionality in selected variants, and new X-Edition styling options for the Dio 125.
Based on engine capacity, Honda Dio has 2 variants - 110cc and 125cc.
The Honda Dio 110 uses a 109.51cc single-cylinder engine producing approximately 7.75 bhp and 9.03 Nm torque. The scooter delivers claimed mileage figures of around 50 kmpl and is available mainly in Standard and DLX variants. The DLX version additionally gets a TFT digital console and updated styling elements.
The Honda Dio 125 is powered by a 123.92cc engine producing around 8.30 PS power and 10.5 Nm torque. It delivers slightly stronger acceleration and improved highway riding capability compared to the 110cc version. The lineup includes Standard, H-Smart, and X-Edition variants with features such as Smart key system, Keyless ignition, Remote tracker, Digital console, Dual-tone graphics, and Distinctive red wheels in X-Edition.
| Honda Dio Variants | IDV [1st year] | Zero Depreciation | Net Premium [5 years] |
| Dio STD 110 CC | ₹54,806 | ₹274 | ₹6,098 |
| Dio 125 | ₹60,705 | ₹304 | ₹6,193 |
Note: Premiums are indicative and may vary depending on insurer, variant, location, IDV, and selected add-ons.
Third-party insurance covers legal and financial liabilities caused to another person, vehicle, or property and is mandatory under Indian law.
Comprehensive insurance provides wider protection against accidental damage, theft, floods, fire, natural calamities, and third-party liabilities affecting your Honda Dio.
Standalone own-damage insurance covers damages to your own scooter caused by insured events while third-party insurance is purchased separately.
Available in both 110cc and 125cc engine options with fuel-efficient automatic CVT transmission.
Equipped with convenience features such as external fuel filling, USB Type-C charging port, digital console, and side-stand engine cut-off.
Higher variants offer H-Smart keyless technology with remote unlock and anti-theft functions.
Features Combi Brake System (CBS), lightweight handling, comfortable ergonomics, and sporty styling suitable for urban commuting.
Zero Depreciation Cover helps minimise depreciation deductions during claims and improves final settlement value.
Roadside Assistance (RSA) provides emergency support during punctures, towing situations, or battery issues.
Engine Protection Cover helps cover repair costs caused by water ingress or lubricant leakage.
Return to Invoice (RTI) Cover helps bridge the gap between the scooter’s IDV and original invoice value during theft or total loss situations.
| Zero Depreciation Cover | No Claim Bonus Cover | Roadside Assistance Cover |
| Return to Invoice Cover | Consumables Cover | Engine Protection Cover |
| Passenger Assistance Cover | Personal Accident Cover |
You can purchase or renew insurance for your Honda Dio online through Coverfox quickly and conveniently.
Before starting, keep the following documents ready:
Registration Certificate (RC)
Previous insurance policy for renewals
Driving licence
Basic KYC documents if required
Enter the scooter registration number or manually select the correct Honda Dio variant and manufacturing year.
Compare policies based on:
Premium amount
IDV
Add-ons
Claim support
Garage network
Comprehensive insurance is usually recommended because it provides broader protection against accidental damage, theft, and natural calamities.
After selecting the policy and add-ons, complete the payment securely online.
Once payment is completed successfully, the insurance policy is issued digitally and can be downloaded instantly.
Filing a claim for your Honda Dio bike insurance is usually simple when the correct process is followed.
Notify the insurer immediately after an accident, theft, or insured damage incident.
Provide policy details, incident information, and photographs if required.
The insurer may arrange physical inspection or video verification of the scooter damage.
Repairs can be completed through a cashless garage network or through reimbursement mode.
Documents generally required include RC copy, driving licence, policy copy, repair estimate, and FIR for theft or major accidents.
After successful verification, the insurer processes the claim according to policy terms and approved coverage.
Disclaimer: *Premiums starting from ₹457 are indicative for third-party bike insurance for select models and may vary based on vehicle specifications, location, and insurer.
Comprehensive insurance is generally recommended because it provides wider protection against accidental damage, theft, floods, and third party liabilities.
The Honda Dio 110 delivers claimed mileage figures of around 48 to 55 kmpl, while the Dio 125 offers approximately 46 to 48 kmpl depending on riding conditions.
Yes, comprehensive insurance policies generally cover theft, flood damage, and natural calamities subject to policy terms and conditions.
Commonly required documents include Registration Certificate (RC), Previous insurance policy, Driving licence, and basic KYC documents if required.
Yes. The Honda Dio is specifically designed for city commuting with lightweight handling, fuel-efficient performance, and practical convenience features.
The Dio 125 offers a larger engine, stronger performance, additional smart features, and better highway capability compared to the Dio 110.
Yes. Selected H-Smart variants of the Dio 125 feature smart key functionality with keyless ignition and anti-theft features.
A comprehensive insurance policy generally covers accidental damage, theft, fire, floods, natural calamities, third-party liabilities, and personal accident cover.
Common exclusions include normal wear and tear, mechanical breakdowns, drunk riding, illegal racing, riding without a valid licence, and damages outside policy terms and conditions.
