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Bike Insurance also known as Two Wheeler Insurance helps you to protect against damages to your bike due to accident, theft and natural disaster. Third Party Bike Insurance is mandatory as per Motor Vehicle Act 1988.
Protects damages to your Bike due to Accident, Theft etc
Protects against legal liability due to death, disability or damage to property of other party involved in accident
Protects damage to your own Bike and Third Party as well in case of an accident.
Insurance Company pays the claim of Bike only after deducting the depreciation value of the Bike. When you buy this Add-On, insurance company will not deduct any depreciation of parts while paying for claim.
In this Add-On you would be able to get assistance in case your Bike breaks down. You can expect assistance for minor repairs, battery restart, spare key arrangement, phone assistance, emergency fuel and towing to nearest authorized workshop.
By taking this cover you would be able to get back the original invoice value and not just the Insured Declared Value.
In case your Bike comes in contact with water in flooded area or if the Bike travels through a pool of water, it will prevent the engine from starting. This type of damage to engine of your Bike is only covered if you have taken Hydrostatic Lock cover.
While Buying a Bike Insurance, always buy Own Damage cover which will cover your own bike as well. Third Party only policies are mandatory as per law but it does not cover your own bike.
IDV is the value of your Bike as per insurance policy. You should always buy Bike Insurance at an IDV which reflects Market value of your Bike.
Out of the many Add On available in Bike Insurance, Zero Depreciation and Roadside Assistance are the one which you must have in your Policy.
Disclosure of correct Claim and No Claim Bonus (NCB) details are very important at the time of buying Bike Insurance, if these details are found to be incorrect later on than it can lead to rejection of claim.
You are buying Bike Insurance to protect your Bike in case of any accident; therefore it is very important to check the claim settlement history and ease of making a claim of the insurer from which you want to take Bike Insurance.
Most of the people give highest importance to Premium while buying Bike Insurance but in fact you should evaluate your requirement first and buy the insurance which provides best value for your bike at the lowest price.