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The stylish Bajaj Pulsar NS160 stands out from its competition with its unique design, impressive performance and reliable safety features. After purchasing a Bajaj Pulsar NS160, it is important to financially protect yourself from accidental damage to your new two-wheeler. Read on to know more about Bajaj Pulsar NS160 bike insurance and the benefits of choosing online insurance.
The bike insurance plans applicable for a Bajaj Pulsar NS160 are a Third-party Bike Insurance Plan and Comprehensive Bike Insurance Plan. As per The Motor Vehicles Act of 1988, every bike owner must buy and carry Third-party Bike Insurance while riding on Indian roads. This plan offers financial protection against accidental injury/death or damage of property to a third-party. Nonetheless, damages to the insured bike are not covered in this plan.
A Comprehensive Bike Insurance Plan offers broader coverage. It provides Own Damage (OD) cover and also financial protection against third party liabilities. Under OD cover, you will be financially protected against accidental damages, theft and damages/loss resulting from natural or man-made calamities. Also, in this plan, you have the option of choosing add-ons to further enhance coverage. Since this plan offers more coverage, it is the more recommended option.
Additionally, it is legally mandatory to purchase a Personal Accident (PA) cover. A PA cover offers monetary compensation in the case of disability or death to the insured caused by an accident.
Here are some of the top benefits you can enjoy by opting for online bike insurance.
Buying bike insurance online does not require the submission of any physical documents. The entire process is digital and paperless. Also, you can buy bike insurance at any time and from anywhere. All you need is a smartphone or computer with an internet connection.
If you purchase bike insurance online, you can view the insurance plans offered by multiple insurance providers. There are several digital insurers offering good deals online. You can compare plans and choose the one that suits you best.
Buying bike insurance online allows you to verify the reliability and credibility of an insurance provider, before making a purchase. You can check the insurer’s claim settlement ratio, customer reviews and other information online before making a purchase.
Bajaj Pulsar NS160 has two bike insurance plans, namely, Third-party Bike Insurance and Comprehensive Bike Insurance. Let’s discuss each briefly.
A Third-party Bike Insurance Policy is the most basic bike insurance available for Bajaj Pulsar NS160. Also, as per the Motor Vehicle Act of 1988, it is mandatory to own one. Not carrying valid bike insurance while riding is a punishable offense. A Third-party Bike Insurance offers compensation for injuries/death and property damage to a third party. However, it does not cover damages to the insured two-wheeler.
As the name suggests, a Comprehensive Bike Insurance Policy is more comprehensive. It provides Own Damage (OD) cover and the benefits of a Third-party Bike Insurance Policy. Some of the inclusions of an OD cover are theft, accidental damages and damages caused by natural/man-made calamities. Also, with this policy, you can opt for add-ons to increase its coverage. There are specific add-ons for specific coverages.
The following are accident scenarios that are covered under a Comprehensive Bike Insurance Policy.
Damages to a third party’s property
Injuries/death to a third party
Damages/loss resulting from natural disasters like cyclones, floods, earthquakes, etc.
Damages/loss resulting from man-made disasters like fires, explosions, vandalism, etc.
Theft of the insured Bajaj Pulsar NS160
Irreparable damage to the insured bike
Other inclusions based on the add-ons you select
Note: Personal Accident (PA) cover offers financial compensation for disability or death resulting from an accident. But it is not an inclusion. Nonetheless, as per the law, it is mandatory to buy one.
The following are accident scenarios that are not covered under a Comprehensive Bike Insurance Plan.
Damages/injuries that transpire while taking part in illegal racing
Accidents that occur while driving under the influence of drugs or alcohol
Accidents that happen while driving without valid documents
Accidents that come about while driving without following traffic laws
Damages resulting from the wear and tear of vehicle parts over time
Accidental damages incurred outside the geographical limit stated in the policy document.
These are the add-ons available for Bajaj Pulsar NS 160 bike insurance.
Personal Accident Cover
Personal Belongings Cover - Damage/Theft Cover
Zero Depreciation Cover
Key Protection Cover
Roadside Assistance Cover
Bike Engine Protection Cover
Outstation Emergency Cover
Note: The above-mentioned add-ons may or may not be available with an insurer.
Here are some reasons why you should consider opting for ACKO’s Bajaj Pulsar NS160 bike insurance.
Since ACKO has a 100% digital interface, it works with a direct-to-customer model. This skips middle-men fees and other operational costs, allowing ACKO to save costs. These savings are handed over to customers in the form of low policy premiums and discounts.
Usually, a claim is settled only after a surveyor inspects the damages to the insured vehicle. However, ACKO’s insurance bypasses this step completely. You just have to answer questions related to the damages and upload relevant pictures. We will take things forward from there.
After raising a claim with ACKO, our team will process your claim and credit your settlement as fast as possible. Usually, minor accidental damages take only a few hours to process. Major accidental damages may take more time, depending on the extent of the damages.
Follow the below three steps to raise a claim with ACKO.
Step 1: Visit the official ACKO website or mobile application and sign in to your account.
Step 2: Find your Bajaj Pulsar NS160 policy card and click “Claim Now”.
Step 3: Respond to questions relating to the damages. Then, take pictures of the same and upload them. After that, click “Submit”.
Note: ACKO’s claim settlement team will ensure that you receive your settlements as soon as possible. Minor damages to your insured bike will be reimbursed within a few hours. However, bigger damages may take a little longer depending on the severity of the damages.
Yes, ACKO offers bike insurance for brand-new Bajaj Pulsar NS160 bikes. Just visit our official website, enter your bike details and choose a policy. There are broadly two types of bike insurance policies that we offer Bajaj Pulsar NS160 bikes. They are Comprehensive Bike Insurance Policy and Third-party Bike Insurance Policy. Since a Comprehensive Bike Insurance Policy offers more coverage, we recommend it for your new Bajaj Pulsar NS160.
As mentioned previously, there are two types of bike insurance plans, namely, Third-party Bike Insurance Plan and Comprehensive Bike Insurance Plan. For a new Bajaj Pulsar NS160 bike, the duration of coverage offered by a Third-party Bike Insurance Plan is 5 years. Alternatively, in a Comprehensive Bike Insurance Plan, the Own Damage cover lasts for 1 year and the third party component lasts for 5 years.
No, your Bajaj Pulsar NS160 bike insurance can be carried over to a new city without being affected. However, you may have to pay the insurance premium applicable in the new city.
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 |
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