Top Bike Insurance: Buy, Renew & Compare Two-Wheeler Plans.
Bike insurance is essential for all bike, scooter, or scooty owners because your bike is a prized possession, and you want to make sure it’s protected against any unforeseen events.
If you are looking for the best bike insurance in Kolkata, India, Insurabox is the right place for you. We compare plans from top insurers and suggest the best plans as per your needs and budget. You can buy, renew, and get instant coverage on our website.
Why do you need bike insurance in India?
Bike insurance is mandatory by law in India. It protects you from financial liability in case of an accident, theft, or other damage to your bike. Bike insurance also covers you for third-party liability, which means that you will be compensated for any damage caused to another person or their property in the event of an accident.
What types of bike insurance are available in India?
There are two main types of bike insurance available in India:
1) Third-party bike insurance.
This type of insurance covers only third-party liability. It is the most basic type of bike insurance and is required by law.
2) Comprehensive bike insurance
This type of insurance covers both your own bike and third-party liability. It is the most comprehensive type of bike insurance and provides the best protection.
Which type of bike insurance is right for you?
The type of bike insurance that is right for you will depend on your individual needs and budget. If you are looking for the most basic and affordable type of bike insurance, then you should opt for third-party bike insurance. However, if you want the best possible protection for your bike, then you should opt for comprehensive bike insurance.
Benefits of buying bike insurance from Insurabox.
There are many benefits to buying bike insurance from Insurabox, including:
1) We compare plans from top insurers:
We compare plans from top insurers in India to give you the best possible coverage at the most affordable price.
2) We offer instant coverage:
You can buy or renew your bike insurance policy from us and get instant coverage.
3) We offer a hassle-free claims process:
We make the claims process as easy and hassle-free as possible for you.
4) We have a team of experts to help you:
Our team of experts is always happy to help you choose the right bike insurance policy for your needs and budget.
How to buy bike insurance from Insurabox?
Buying bike insurance from Insurabox is very easy. Just call us at +91-9007709000 or navigate to the “Contact Us” page. Talk to one of our experts who will ask for your bike details, compare plans from top insurers, and help you choose the one that is right for you. Finally, pay your premium online and get instant coverage.
Choosing the right bike insurance policy.
- Look for a policy that offers add-ons or riders. Add-ons and riders can provide you with additional coverage for specific risks, such as personal accident cover, passenger cover, and roadside assistance.
- Choose a policy from an insurer with a good reputation. You can check the reputation of an insurer by reading online reviews and by talking to our experts.
- Make sure that the insurer has a network of garages in your area. This will make it easier for you to get your bike repaired in case of an accident.
How to file a bike insurance claim?
If you need to file a bike insurance claim, you should follow these steps:
- Inform your insurance company about the accident or theft as soon as possible.
File a police report if required. - Gather all relevant documents, such as the police report, your bike insurance policy document, and the registration certificate of your bike.
- Submit the documents to your insurance company.
- A surveyor will be appointed by your insurance company to inspect the damage to your bike.
- Once the surveyor has submitted their report, your insurance company will assess the claim and approve it if it is valid.
- Once the claim is approved, your insurance company will either repair your bike or pay you the depreciated value of your bike.
Follow this to reduce the cost of your bike insurance.
- Choose a higher deductible. A deductible is the amount of money that you have to pay out of pocket before your insurance company starts paying out on a claim. By choosing a higher deductible, you can reduce your monthly premiums.
- Take advantage of discounts. Many insurance companies offer discounts for things like having a good driving record, taking safety courses, and installing anti-theft devices on your bike.
- Bundle your insurance policies. If you have other insurance policies, such as car insurance or home insurance, you may be able to get a discount on your bike insurance by bundling them together.
Frequently Asked Questions (FAQ) About Bike Insurance.
The IDV or Insured Declared Value of your bike is the maximum amount that your insurance company will pay you in case of a total loss or theft of your bike. The IDV is calculated based on the make, model, and age of your bike.
The No Claim Bonus (NCB) is a discount that your insurance company offers you if you do not file any claims during your policy period. The NCB discount can range from 20% to 50%, depending on the number of claim-free years you have. To avail the NCB discount, you need to renew your policy with the same insurance company.
There are a number of add-ons that you can purchase with your bike insurance policy to enhance your coverage. Some of the common add-ons include:
- Personal accident cover: This add-on provides coverage for medical expenses and death benefits in case of an accident involving your bike.
- Passenger cover: This add-on provides coverage for medical expenses and death benefits in case of an accident involving your passenger.
- Roadside assistance cover: This add-on provides assistance in case of a breakdown or accident, such as towing, flat tire assistance, and fuel delivery.
- Zero depreciation cover: This add-on waives the depreciation on your bike in case of a total loss or theft.
Here are some tips to avoid bike theft:
- Always park your bike in a well-lit and secure area.
- Use a strong lock and chain to secure your bike.
- Install anti-theft devices on your bike, such as a steering lock or a disc lock.
- Avoid leaving your bike unattended for long periods of time.
- If you are traveling long distances, consider using a bike cover to conceal your bike.
