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Bajaj BYK is a classic two-wheeler that was initially launched in 2000. Now, more than two decades later, this ageless bike can still be seen on Indian roads. If you are one of the owners of the Bajaj BYK, this article is for you. Here, we have highlighted the various Bajaj BYK insurance options and the reasons why you should choose online over offline bike insurance.
In this section, we have listed the key reasons why you should insure your Bajaj BYK with online bike insurance.
Online bike insurers typically offer a significant price reduction as compared to their offline counterparts. They are able to do this because they incur less operating costs as opposed to their more conventional competitors. This helps them redirect their resources towards offering policies with attractive premiums.
If you buy two-wheeler insurance offline, chances are that you may compare two or three policies before picking one. On the other hand, if you buy bike insurance online, there are a plethora of policies you can choose from the comfort of your home. This gives you more options and allows you to compare more policies easily to short-list the best.
Visiting an office, filling out forms or meeting with a broker/middleman is all part and parcel of offline two-wheeler insurance. Online bike insurance saves you all these hassles by allowing you to remotely buy/renew insurance, raise claims and access other features. What’s more, you also get a user-friendly interface that is super easy to navigate.
Your Bajaj BYK can be insured with either of the following two policies.
As per the Indian law, this insurance policy is a legal requirement to drive on Indian roads. A Third-party Policy offers compensation in accident-related cases involving your bike colliding with a third party or their property. Coverages of the policy include injury, death and property damage to a third party. However, damages to your own insured two-wheeler are not covered.
A Comprehensive Policy is a combination of two covers. The first is a Third-party Cover which covers only third-party liabilities. The second is an Own Damage (OD) Cover that offers financial protection against accident-related damages to your own bike. Another feature of a Comprehensive Policy is the option of extending coverage by buying add-ons. In the following section, we have listed the different add-ons usually offered under a Comprehensive Bike Policy.
A Comprehensive Bajaj BYK Bike Insurance Policy offers the following coverages.
Damages incurred as a result of collisions
Property damage, injury or death to a third party
Damages from natural calamities like earthquakes, cyclones, floods, etc.
Damages from manmade calamities like riots, strikes, vandalism, etc.
Theft of your Bajaj BYK insurance
The following are exclusions found under Bajaj BYK bike policies.
Damages while participating in illegal racing
Riding without a driving licence
Riding with an expired bike policy
Riding after consuming perception-altering drugs
Damages that happen outside the policy-covered areas
As mentioned earlier, a Comprehensive Bajaj BYK Policy provides an option to select add-ons. The following are some of the common add-ons offered, but they are subject to availability.
Zero Depreciation Cover
Key Replacement Cover
Outstation Emergency Cover
Roadside Assistance Cover
No Claim Bonus (NCB) Protection Cover
If you have made up your mind to switch to online two-wheeler insurance, here’s why you should choose ACKO.
Usually, commission charges are factored-in while calculating bike insurance premiums. However, since ACKO follows a “no commission policy”, our policy premiums are not bumped up by commissions. Consequently, you get low-priced policies.
The processing of accident-related claims typically takes a long time. But that’s not the case at ACKO. For instance, we settle claims raised for minor damages in just a few hours from your request.
Open our website/mobile app to buy/renew policies, status check, raise claims and perform other functions. You can also buy our car and health insurance products and access all your insurance coverages from one place!
In this section, we have listed the simple steps to raise a claim against your Bajaj BYK insurance.
Step 1: Open your browser, log on to our website and sign in to your account.
Step 2: Head to your bike’s policy card and click “Claim Now”.
Step 3: Respond to a couple of accident-related questions and share relevant pictures. After that, click submit.
Once your claim has been successfully raised, we will process it and provide compensation per your policy’s terms.
Yes, ACKO offers insurance for discontinued bike models like Bajaj BYK. If you own a discontinued bike model, you can visit www.acko.com and enter your bike details to find out if ACKO offers insurance for it.
You can download your ACKO Bajaj BYK insurance policy by following the below-listed steps.
Step 1: Log in to your personal account via the ACKO website/mobile app.
Step 2: Locate your Bajaj BYK policy and click on it to access your policy document.
Alternatively, you can search your inbox. We email the soft copy of your policy document to you at the time of policy purchase.
The following details are required while purchasing ACKO’s Bajaj BYK insurance policy.
The make, model and variant of your two-wheeler
The year of bike purchase
Previous policy details (if applicable)
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