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The Benelli Imperiale 400 is a sturdy bike designed for long rides across terrains. This also means that it is open to risks associated with such rides and terrain. An insurance policy is a good way to manage the financial aspect of these risks. Apart from being a mandatory legal requirement, buying a Benelli Imperiale 400 bike insurance can help you immensely to save money if the bike gets damaged. Read ahead to know about different types of bike insurance, details about the add-ons and frequently asked questions about Benelli Imperiale insurance.
Purchasing online two-wheeler insurance has become easy over the years. ACKO has not only made it easier but also simpler and quicker. Here are the major benefits of buying Benelli Imperiale 400 bike insurance with ACKO.
It just takes three to five minutes to insure your bike via the ACKO website or the app. The process is so simplified that even someone without prior experience of transacting online can do it. You just have to enter bike details, select the plan, and make the payment. Your bike will be insured and the policy will be available for download.
You can buy bike insurance at a lower price than usual from ACKO. This is because of lower operational costs and no dependence on agents. The savings from these two fronts are translated into lower-priced plans without affecting the coverage.
With ACKO, claim settlement is as convenient as the policy purchase process. You just have to let the claims team know about the claim and they will handle the rest thanks to Cashless Claims and a tech-enabled, transparent claim settlement process.
There are three ways to approach the types of plans available for Benelli Imperiale 400 in India. They are as follows.
Here, you can cover your Benelli Imperiale 400 with the basic Third-party Bike Insurance Plan/Liability-only Plan.
Here, you can cover your Benelli Imperiale 400 with a Comprehensive Bike Insurance Plan and enjoy the benefits of the previous cover as well. The advantage of this one over the basic plan is that such a plan covers damages to the insured bike, which is not covered in the Liability-only option.
Here, you can cover your Benelli Imperiale 400 with a Comprehensive Bike Insurance Plan and enhance the cover with add-ons. The add-ons cost more but in return offer specific and valuable coverage.
Here’s a section on the inclusions of a Comprehensive Plan for a Benelli Imperiale 400 two-wheeler. The inclusions are a set of conditions that state that the insurer will cover the situations mentioned in the section. The points mentioned under the inclusions section of a policy can be different in different policies.
The insurance cover is valid if the insured bike damages third-person property.
The insurance cover is valid if the insured bike injures a person.
The insurance cover is valid if the insured bike catches fire.
The insurance cover is valid if the insured bike is damaged due to natural calamities.
The insurance cover is valid if the insured bike is stolen.
This section is the opposite of the above section. Mentioned below are points where the insurance company shall not cover the insured bike. Such situations are known as exclusions and they are also different for different plans. Thus, it is suggested to go through the fine print to know in detail about the exclusions. Here’s an overview of the exclusions section of a bike insurance policy.
The insurance cover is not valid if traffic rules were being broken.
The insurance cover is not valid if there are Consequential Damages.
The insurance cover is not valid if the policy has expired or Driving License has expired.
The insurance cover is not valid if it is found that a claim was raised with fraudulent intent.
The insurance cover is not valid if the policy’s terms and conditions are not followed.
You should consider the following add-ons for the high-end Benelli Imperiale 400. These aren’t standalone covers and need to be bought with a Comprehensive Plan.
Zero Depreciation: Beneficial at the time of claim settlement for receiving higher compensation.
Roadside Assistance: Beneficial at the time of a bike breakdown.
Pillion Rider Cover: Beneficial at the time of an accident involving the Pillion Rider.
Engine Damage Cover: Beneficial at the time of severe damage to the engine.
No Claim Bonus Protect: Beneficial for claim application without disrupting renewal discount.
Other: There are several other add-ons as well. They are not that popular but can come in handy if you have an affinity towards such covers. Here are some examples, Key Cover, Consumables Cover, Return to Invoice Cover, etc.
Do not go all out without thinking when it comes to the add-ons. It can be tempting to buy as much insurance coverage as possible. But think practically. Do you need a Pillion Rider Cover? Ask such questions to yourself and then buy the suitable add-ons.
Here’s an overview of the process to raise a claim against a Benelli Imperiale 400 policy.
Step 1: Raise a claim by contacting the insurance company.
Step 2: Share details about the incident for which you want to raise a claim.
Step 3: The insurance company will verify your policy details and check if it covers the incident. They will let you know if the reason is acceptable or not. If it is not acceptable, the application shall not be processed. It will if it is applicable.
Step 4: A claims inspector shall be assigned to your case and you will be required to comply with the executive.
Step 5: The claim shall be settled based on your chosen settlement process: Cashless or Reimbursement. In the Cashless Process, the insurer will directly pay the garage. In the Reimbursement Process, you will receive the applicable claim settlement amount in your bank account.
The following questions and answers section will throw light upon recurring queries about a bike insurance policy for Benelli Imperiale 400. Note that the queries mentioned below are on broader lines.
Compared to the cost of an average bike insurance plan, the cost of a two-wheeler insurance policy for a bike like Benelli Imperiale 400 will be higher. The Third-party Policy rates are fixed but you can get a Comprehensive Policy at a lower cost as compared to the market price by checking out quotes from online insurers.
The PIN code has nothing to do with the coverage area. Usually, it is asked to understand the location where the bike is likely to be used so that the premium will be charged accordingly. The insurance cover shall not be applicable beyond the geographical boundaries of India.
The compulsory aspect of the two-wheeler policy is related to the liability cover, which comes in the picture if you accidentally injure someone or damage someone’s property while riding the insured bike. It is not related to your bike-riding ability.
As per the Third-party policy, the insurer shall cover the pedestrian as per the terms and conditions of the plan.
The answer to this query can be yes and no depending upon your insurance requirements. Please assess your needs and then seek the cover. If you are confused, feel free to speak to the customer care executive of the insurance company.
Yes, you can renew your plan via the online mode even if it was purchased via the offline mode.
The Third-party Premium in a bike insurance plan is determined by the regulator. Unlike the Comprehensive Plan, discounts do not apply to this plan. Therefore, you cannot reduce the premium. However, the regulatory body might reduce the premium as it usually revises it annually. It can increase as well after the revision.
No, you will not receive cash from the insurer but will receive a discount on the renewal premium if you meet the terms and conditions of the plan.
Such a trial-period policy is not available. You can buy it for a year and then switch to a different plan easily while renewing the policy.
Yes, you can raise a claim within a month of buying the bike insurance policy.