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Motorbikes are popular two-wheeler vehicles that provide people with affordable and comfortable means of transportation. They take up far less space in comparison to cars and are easy to handle on busy roads. While there are several merits associated with owning a bike, an important aspect of this ownership involves owning a valid bike insurance policy to complement the vehicle in question.
The importance of owning a valid bike insurance plan lies in the fact that it provides policyholders with coverage in the event that their motorbike is damaged in an accident or natural disaster. It also provides coverage in case of theft or vandalism of a motorbike. By virtue of owning valid bike insurance, motorbike owners need not fret about having to pay out-of-pocket for these damages that their motorbike might sustain. This is because the bike insurance premium helps cover the costs associated with their two-wheeler’s damage.
In India, the Motor Vehicle Act of 1988 reiterates the importance of bike insurance as it requires all bike owners to possess valid bike insurance for their motorbikes. This Act makes clear that third party liability bike insurance is necessary and that even the most basic forms of bike insurance plans must provide this form of coverage.
Why Bike Insurance Comparison is Important ?
Owing to the fact that there exist several different bike insurance plans in the market, it is recommended that you compare these different plans online to shortlist the right policy for your motorbike. It is easy to compare plans across several different categories online as more information is available. These comparisons help you to determine the best bike insurance available which provides you with the maximum benefits for the minimum price. Take a look at some of the key factors associated with comparing different bike insurance plans.
1
Value for Money
By comparing different bike insurance plans keeping in mind the premiums tethered to each of them, it is possible to ascertain whether any of them match your budget or not. Third party bike insurance plan are more affordable in comparison to comprehensive bike insurance plans. However, third-party bike insurance plans are far more limited in terms of their scope in comparison to comprehensive bike insurance plan which provide more coverage.
2
Coverage Options
It is important to consider the kind of coverage provided by different bike insurance plans in order to determine which policy will provide coverage that is appropriate for your bike. In addition to third party coverage, comprehensive
bike insurance plans can be availed for a single year or for a longer period of time. Comprehensive bike insurance policies provide more coverage as they include coverage in case of accidental damage and theft in addition to personal
accident cover, damage caused by natural disasters, fire, and damage to a third-party vehicle and person. Third-party bike insurance plans only provide coverage to the last four categories mentioned as opposed to the first two.
3
Better Service
Only once you begin to compare different bike insurance policies available in the market will you be able to understand the kinds of services offered under each plan. Understanding the after-sales services provided by a bike insurance
provider is important.
4
Convenience Guaranteed
By availing of bike insurance, you are comfortable in the knowledge that you are provided with coverage in case your bike is damaged and/ or causes third party liability. When you compare different bike insurance plans, you should consider
drawing comparisons online as they can be made from the comfort of your home and at a time that works best for you.
How Do You Compare Bike Insurance Policies?
Comparing bike insurance plans is probably the best way to shortlist the right policy for your bike. In a large perspective, bike insurance policies with HDFC ERGO are divided into two broad prospects, comprehensive cover and third party liability. Let’s understand the benefits offered by both these policies to pick the right cover for your bike.
| Comprehensive(Single year) | Multi year two wheeler insurance | Third Party (Liability Only) | |
|---|---|---|---|
| Bike Insurance for Accidental Damage | |||
| Bike Insurance for Theft | |||
| Bike Insurance for Damage due to fire | |||
| Bike Insurance for Damage due to natural disaster | |||
| Personal Accident cover | |||
| Bike Insurance for Damage to a third-party vehicle | |||
| Bike Insurance for Injury to a third-party person | |||
| Zero Depreciation cover for two wheeler insurance | Optional Add-on | ||
| Emergency assistance cover | Optional Add-on |
Important Factors Used to Compare Bike Insurance Policies
When you begin to compare different bike insurance policies with one another, there are a number of important factors that come into play, and which ought to be considered. Some of the more pertinent of these have been examined below.
Price
Different prices are attached to different bike insurance plans. When comparing different bike insurance policies, you should look for a plan that provides you with the maximum benefits for the least amount of money. Third-party
bike insurance plans are considerably less expensive in comparison to comprehensive bike insurance plans as they provide far less coverage.
Coverage
You must compare different bike insurance plans in accordance with the kind of coverage they provide. Third-party bike insurance plans provide policyholders against injury to a third-party person and vehicle, as well as to the
damage caused by a natural disaster or fire. Personal accident cover is provided as well. Comprehensive bike insurance plans, on the other hand, include coverage for each of these factors and also provide coverage in case of
theft and accidents. Optional add-ons available allow policyholders to expand the scope of their coverage.
Reviews
Before you decide to purchase any bike insurance plan, it is incredibly important to compare the reviews left by others who have previously purchased the bike insurance plans under consideration. These reviews are available online
and provide insight into policyholders’ experiences with their bike insurance providers. While good reviews can help reassure you of a policy’s worth, bad reviews can make clear the potential setbacks associated
with a policy.
Claim Records
When comparing different bike insurance plans, it is important to take a look at each bike insurance provider’s claim settlement ratio. A high claim settlement ratio is ideal as it indicates the provider’s reliability
in providing coverage. HDFC ERGO, for instance, has a claim insurance settlement ratio of 91.23 % which is very encouraging.
Cashless Garages
When drawing comparisons between different bike insurance policies, you should take a look at the number of cashless garages included under each bike insurance provider’s network. An ideal bike insurance plan will feature
several cashless garages under its network which are available to policyholders. HDFC ERGO boasts over 7500 cashless garages which are spread across the country.
Price
Different prices are attached to different bike insurance plans. When comparing different bike insurance policies, you should look for a plan that provides you with the maximum benefits for the least amount of money. Third-party
bike insurance plans are considerably less expensive in comparison to comprehensive bike insurance plans as they provide far less coverage.
Coverage
You must compare different bike insurance plans in accordance with the kind of coverage they provide. Third-party bike insurance plans provide policyholders against injury to a third-party person and vehicle, as well as to the
damage caused by a natural disaster or fire. Personal accident cover is provided as well. Comprehensive bike insurance plans, on the other hand, include coverage for each of these factors and also provide coverage in case of
theft and accidents. Optional add-ons available allow policyholders to expand the scope of their coverage.
Reviews
Before you decide to purchase any bike insurance plan, it is incredibly important to compare the reviews left by others who have previously purchased the bike insurance plans under consideration. These reviews are available online
and provide insight into policyholders’ experiences with their bike insurance providers. While good reviews can help reassure you of a policy’s worth, bad reviews can make clear the potential setbacks associated
with a policy.
Claim Records
When comparing different bike insurance plans, it is important to take a look at each bike insurance provider’s claim settlement ratio. A high claim settlement ratio is ideal as it indicates the provider’s reliability
in providing coverage. HDFC ERGO, for instance, has a claim insurance settlement ratio of 91.23 % which is very encouraging.
Cashless Garages
When drawing comparisons between different bike insurance policies, you should take a look at the number of cashless garages included under each bike insurance provider’s network. An ideal bike insurance plan will feature
several cashless garages under its network which are available to policyholders. HDFC ERGO boasts over 7500 cashless garages which are spread across the country.
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FAQs
It is important to do ample research and compare different bike insurance policies prior to purchasing any one plan. This research can help save money down the line as it can help you determine the best policy for your
motorbike. Comparisons help you understand the premiums attached to each plan and what they each provide. You can also determine which plan is best suited to your budget. If your budget is restrictive, perhaps a third-party
bike insurance plan is better suited to you as its premium is likely to be much lower in comparison to a comprehensive bike insurance plan.
There are several benefits associated with comparing different bike insurance plans online, some of which have been touched upon below.
● Comparisons drawn online can be made from the comfort of your home.
● You can make these comparisons at any point in time and aren’t pressured by a salesman who might have an incentive to favour one insurance plan over another.
● There is more information available online pertaining to different bike insurance plans.
● Reviews available online provide insight into what makes a certain plan better than another or where a certain bike insurance plan fell short.
● You can learn about bike insurance plans and their premiums which can help you make an economically sound decision.
● Comparisons drawn online can be made from the comfort of your home.
● You can make these comparisons at any point in time and aren’t pressured by a salesman who might have an incentive to favour one insurance plan over another.
● There is more information available online pertaining to different bike insurance plans.
● Reviews available online provide insight into what makes a certain plan better than another or where a certain bike insurance plan fell short.
● You can learn about bike insurance plans and their premiums which can help you make an economically sound decision.
Bike insurance plans can be compared by taking into account the following considerations.
● Claim Records – You should draw comparisons between different bike insurance providers’ claim settlement ratios in order to determine how likely they are to provide coverage.
● Coverage Provided – Third-party bike insurance policies tend to be limited in the scope of their coverage in comparison to comprehensive bike insurance plans.
● Network of Cashless Garages – The more cashless garages a bike insurance provider has under its network, the better the bike insurance policy.
● Premium Charged – Different policies have different premiums which must each be considered as per one’s budget.
● Claim Records – You should draw comparisons between different bike insurance providers’ claim settlement ratios in order to determine how likely they are to provide coverage.
● Coverage Provided – Third-party bike insurance policies tend to be limited in the scope of their coverage in comparison to comprehensive bike insurance plans.
● Network of Cashless Garages – The more cashless garages a bike insurance provider has under its network, the better the bike insurance policy.
● Premium Charged – Different policies have different premiums which must each be considered as per one’s budget.
Third-party bike insurance policies are ordinarily understood to be the least expensive bike insurance plans available in the market today. This is owed to the fact that the scope of their coverage is primarily centered
around third party liability as opposed to more comprehensive factors. Comprehensive bike insurance policies which provide optional add-ons are more expensive.
Checking the availability of a two-wheeler insurance plan for a bike has never been easier. Simply visit the HDFC ERGO bike insurance website and key out your bike’s brand, model and version along with the time your
motorbike was purchased. Providing this information is important as it helps determine how new your bike is which in turn influences the premium. After you key out the city of registration of your motorbike and the
validity of any previous bike insurance policy if you have any, the HDFC ERGO website will provide you with the varied forms of bike insurance plans available for your motorbike.
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