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There is a wave of electric vehicles in the Indian market, and electric two-wheelers are in abundance. But like conventional two-wheelers, electric bikes or scooters also require insurance. Bike insurance provides financial support in case of accidents or other bike-related damages. Read on to know more about insurance if you own or are willing to purchase 22 Kymco Flow.
Take a look at the following major types of insurance plans for your scooter.
As the name suggests, the Third-party Bike Insurance Plan offers coverage for any contingencies related to the third party. For example, say you accidentally damaged someone’s property with your 22 Kymco Flow scooter and now you need to pay compensation. Your Third-party Liability Policy will be helpful in this case. Other coverages include death/disability of the third party, and cost of treatment for injuries. Note that it is a basic type of two-wheeler insurance plan and does not offer coverage for your bike.
A Comprehensive Two-wheeler Insurance Policy offers dual benefits. It covers third-party liabilities as well as damages/losses incurred by your scooter(more on this in the following section). Another advantage of this plan is that you can enhance the coverage with the help of add-ons. However, remember that add-on will increase your bike insurance premium and you must be cautious while adding them to the policy.
Usually, the following coverages are offered under 22 Kymco Flow scooter insurance. Note that you must buy a Comprehensive Bike Insurance Policy if you want coverage for your scooter. Else, buying just the government-mandated Third-party Liability Policy can prove to be inadequate.
Third-party property damage due to your insured two-wheeler
Fire damage is covered under 22 Kymco Flow two-wheeler insurance
Injuries/death of a third party as a result of an accident with your scooter
Coverage for total loss
Damage from natural or man-made calamities
Bike Theft coverage under 22 Kymco Flow two-wheeler insurance
Exclusions are situations which you cannot raise a claim for. Here are some examples.
The damage will be not covered if you do not have valid documents like a driving licence or bike insurance policy
Damage to the bike as a result of not following traffic rules will not be covered
Any kind of electrical or mechanical damage to the bike is not covered under insurance
Damage to the bike due to regular wear and tear is not covered
There will be no insurance coverage if the policy is expired or inactive
Damage caused to the bike when riding under the influence of an intoxicating substance is not covered
Damage outside the geographical limit of the country is not covered
Damage caused due to taking part in illegal activities
|Note: Please go through the policy wordings of your bike insurance policy to view the full list of inclusions and exclusions.|
Take a look at the following list of add-ons suitable for your 22 Kymco Flow scooter insurance plan.
Outstation Emergency Cover
Engine Protection Cover
Roadside Assistance Cover
Zero Depreciation Cover
Personal Belongings Cover - Theft/Damage
Key Protection Cover
Personal Accident Cover
|Disclaimer: The bike add-ons mentioned above are subject to availability. Please check the same while buying your scooter insurance policy.|
Here is why you will love ACKO for buying your two-wheeler insurance policy.
ACKO offers one of the best prices for two-wheeler insurance. We sell insurance directly to our customers without the involvement of middlemen. This decreases the premium by a great deal.
Our 100% digital infrastructure allows us to offer quick, convenient, and hassle-free services. You can buy/renew the policy or avail of services from anywhere by simply visiting the website or by downloading the app.
At ACKO, we strive hard to settle bike insurance claims as fast as possible. Claims for minor damages are settled within a few hours. We wish to make insurance clutter-free for our customers and one of such efforts is our instant claim service.
Yes, you can get your electric bike insured with ACKO. Click here or download our app to get started with bike insurance.
You can set the IDV (Insured Declared Value) of your scooter while buying the insurance policy. In case you want to change the IDV later, you can talk to our customer care agent and we will help you solve the issue.
No, you cannot buy only the Own Damage cover for your bike. Buying a Third-party Liability Policy is mandatory by law.