Ather 450X Bike Insurance

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Ather 450X Bike Insurance

Electric bikes are becoming more stylish, convenient, and practical with advancements in eco-friendly vehicle technology. One bike that attracts the most in the e-scooter segment is the Ather 450X, with its sporty look and highly functional design. If you want to buy this bike, it is important to remember that bike insurance is mandatory by law, even for electric bikes in India. This article has information related to Ather 450X bike insurance with respect to buying, and renewing a policy as well as raising claims online. 

Benefits of buying online two-wheeler insurance for Ather 450X
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Here is why you should buy Ather 450X bike insurance online.

1) Convenient process
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To buy/renew a policy or submit a claim, the online method does not require you to book appointments and visit the insurer’s office. You can access the online portal or mobile app at your convenience to buy a bike insurance policy instantly. Hence, there is no waiting period involved in the process.

2) Compare policies
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The digital access to policy information allows an easy way to compare different insurance plans for the prices, services and features. You can also compare various add-ons that will help you extend the coverage for your Ather 450X two-wheeler insurance. 

3) Paper-free purchase
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There is no paperwork involved in the online process of buying or renewing bike insurance. You can simply add the necessary details related to your vehicle and previous policy (if applicable) to make an instant purchase.

Types of bike insurance plans for Ather 450X
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There are two types of two-wheeler insurance plans you can choose for your Ather 450X bike.

Third-party Bike Insurance Plan
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In order to ride a bike in India, a Third-party Insurance plan is the basic insurance requirement mandated by the government. This insurance policy offers financial protection to the policyholder in case of any third-party injury, death or damages to their property. While this plan is mandatory, it does not provide coverage for any damages to the insured bike.

Comprehensive Bike Insurance Plan
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For a broader coverage than a Third-party Insurance plan, you can opt for the Comprehensive Insurance plan. This type of policy provides financial protection against damages or losses to your insured vehicle along with coverage against third-party liabilities. The Own Damage or OD cover compensates the policyholder in case of damages related to an accident, natural/man-made disasters, theft, loss beyond repair and fire/explosion. This Comprehensive Insurance plan also lets you pick relevant add-ons for extended financial coverage, services and benefits.

What’s covered in Ather 450X insurance? (Inclusions)

Here are all the coverage inclusions of the Ather 450X two-wheeler insurance plan.

Note: When you buy or renew bike insurance, it is mandatory to purchase a Personal Accident or PA cover along with it. A Third-party Insurance or basic Comprehensive Insurance plan does not include PA cover, so you will have to purchase it separately. This add-on ensures financial coverage against policyholder’s death or permanent/temporary disabilities due to an accident.

What’s not covered in Ather 450X bike insurance? (Exclusions)

Following are the coverage exclusions under the Comprehensive Insurance plan. 

Add-ons for Ather 450X two-wheeler insurance

Here are the add-ons you can purchase with your Ather 450X two-wheeler insurance policy.

Why ACKO?
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ACKO has redefined the insurance buying and renewing process with 100% online infrastructure. There is absolutely no need to worry about any manual hassles that are usually associated with the purchase or renewal of bike insurance. When you buy Ather 450X bike insurance from ACKO, it comes with the following benefits.

1) Low-cost policies
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ACKO provides insurance with a digital-first and direct-to-customer model. There are no middlemen involved in the process. Moreover, the digital infrastructure enables low operating costs leading to low-cost insurance policies.

2) No pre-inspection
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To buy or renew a bike insurance plan with ACKO, you won’t have to schedule appointments for pre-inspection. You can simply provide vehicle details online along with policy details (if available) to instantly purchase a policy.

3) Faster claims
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At ACKO, the claim settlement team ensures that you don’t have to wait for minor claim settlements. You may receive the settlement amount for minor claims in a couple of hours. However, claims for severe damages may require three or more working days.

ACKO’s claim procedure

With a smartphone and internet connection, you can raise Ather 450X insurance claims online at ACKO with the following three steps.

The claim settlement team from ACKO will contact you to know the details of the insurance claim. If the claim is minor, you may receive the settlement amount in a couple of hours only. 

Frequently asked questions
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Let’s answer some of the most commonly asked questions related to Ather 450X bike insurance.

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How can I renew my Ather 450X insurance with ACKO?

You can renew Ather 450X two-wheeler insurance online via ACKO’s website or mobile app. The process does not include any pre-inspection, which saves a lot of time. You just need to enter bike details along with previous policy information to get the insurance plan renewed instantly. 

Which add-on can help if my e-scooter breaks down in the middle of the road?

At ACKO, you can purchase a Roadside Assistance cover as an add-on along with a Comprehensive Insurance plan. This add-on will help you obtain quick services in case your electric bike breaks down suddenly in the middle of the road. 

Do I need insurance for a second-hand Ather 450X as well?

As mandated by The Motor Vehicles Act, 1988, you need to buy Third-party Bike Insurance to ride your bike on Indian roads. This law is applicable for second-hand electric bikes as well. Besides the mandatory Third-party policy, you can buy Own Damage or OD cover and relevant add-ons to extend the financial coverage of the insurance plan. 

Other Two-wheeler Insurance for Yamaha Bike Models/Variants
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ACKO General Insurance Limited

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CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Save Rs. 45,000 has been calculated on IDV of 20,00,000, 0% NCB and select add-ons. Amount saved is in comparison to Acko's F&U filing. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.

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