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The Ducati Monster 797 is a naked sports bike, which was launched in the BS4 version in 2017. Apart from being powerful and agile, the bike’s affordability made it extremely popular among enthusiasts. If you already have a Ducati Monster or planning to purchase one, it has to have bike insurance. Below you will find the process and advantages of buying Ducati Monster 797 bike insurance online.
With Ducati Monster 2-wheeler insurance, you get to financially protect yourself against damages that may occur while riding the bike. However, not all insurance policies are the same.
A Third-party Insurance Policy is mandated by law for motor vehicles to provide financial coverage against third-party liabilities. These liabilities include injury to a third party, the demise of a third party or damage to a third-party property while riding the motorcycle. Though this policy is mandatory as per The Motor Vehicles Act, 1988, it offers no coverage for the insured vehicle.
Therefore, a Comprehensive Insurance Policy is offered as an amalgamation of Third-party Insurance and Own Damage (OD) cover for Ducati Monster motorcycles. As a result, you get financial protection in situations when your Ducati Monster 797 gets damaged due to an accident, natural/man-made disasters, theft, total loss, etc.
Below are the benefits of buying Ducati Monster 797 two-wheeler insurance online.
Digital-first insurance providers enable easy comparison of policies through their online platform. Anyone can browse through the pricing, features, and benefits of different types of Ducati Monster 797 two-wheeler insurance policy options using an internet-enabled smartphone. Thus, you can make an informed decision about which policy to purchase.
By visiting the online platform, you can quickly initiate several insurance-related procedures. So, processes like getting Ducati Monster 797 two-wheeler insurance quote, purchase, renewal or raising a claim have become almost instant via the digital infrastructure. Therefore, you don’t have to worry about long waiting periods when buying bike insurance.
The digital platform allows you to buy or renew Ducati Monster 797 two-wheeler insurance 24x7. You can access the online platform to buy/renew a policy or even submit a claim. This instant access to insurance allows a hassle-free purchase and renewal of policies without booking appointments with an insurer.
Here are the two major policy choices when you want to buy Ducati Monster 797 bike insurance.
A Third-party Insurance Policy is mandatory for all motor vehicles in India as per The Motor Vehicles Act, 1988. This insurance plan offers coverage in case your bike causes damages to third-party property or death/injury to a third party. You need this policy to legally ride your bike on Indian roads to avoid penalties. But this type of policy doesn’t include coverage to any damage, theft, or loss of your insured Ducati Monster 797.
A Comprehensive Insurance Policy covers more than third-party liabilities. It provides Own Damage or OD cover along with third-party liability coverage. Thus, you get insurance against third-party liabilities as well as damages, theft or loss of the insured Ducati Monster 797. You can even purchase add-on covers to extend the features of your motor insurance. Each add-on includes a feature or service not included in a basic insurance plan.
Note: Personal Accident or PA cover is a mandatory coverage you must purchase along with your basic Ducati Monster bike insurance plan. The PA cover provides essential coverage to the policyholder against temporary/permanent disabilities or demise due to an accident.
With Comprehensive Ducati Monster two-wheeler insurance, you get coverage in the following situations.
Coverage against damages to third-party property
Coverage against injuries to a third party
Coverage against death of a third party
Coverage against accidental damage to the insured Ducati Monster 797
Coverage against total loss (damaged beyond repair) of the insured Ducati Monster 797
Coverage against damages incurred due to natural/man-made calamities (floods, vandalism, etc.)
Coverage as per the add-ons purchased
The following conditions are not included in the Ducati Monster 797 insurance coverage.
Using the insured Ducati Monster in illegal racing events
Riding the insured bike in an intoxicated state
Riding without valid bike documents
Avoiding traffic rules when riding the bike
Damages to the insured Ducati Monster that occur over time due to regular wear and tear
Damages while riding outside the geographical boundaries mentioned in the policy.
Damages to your bike as a result of electrical or mechanical failure
Any claims made for an inactive insurance plan
Add-on covers are extensions to a Comprehensive Insurance Policy for your Ducati Monster 797 insurance. Here are the add-ons usually purchased with bike insurance.
Engine Protect Cover
Key Protect Cover
Roadside Assistance Cover
Zero Depreciation Cover
Outstation Emergency Cover
Personal Belongings - Damage/Theft
Disclaimer: Please confirm the availability of any or all of the add-on covers with your insurer when buying.
Here are the reasons why many bike owners prefer to buy Ducati Monster 797 two-wheeler insurance at ACKO.
With a 100% digital infrastructure, ACKO is able to offer direct-to-customer insurance services. This approach saves from agent commissions and keeps the operating costs low, which helps to keep the policy premiums at low costs.
ACKO provides a paperless experience when you want to buy or renew your vehicle insurance plan. The procedure of buying/renewing policies is completely digitalised, where you have to enter only a few details of your bike and previous plan (if required).
While raising a claim is an instant process, ACKO also ensures that the claim settlement doesn’t take too long. Minor claims are settled within a few hours of submission. Moreover, the support team assists through the claim settlement for severe repairs.
Below are the three simple steps you can follow to submit your Ducati Monster 797 insurance claims.
Step 1: Log in to your account via ACKO’s website or mobile application.
Step 2: Find your Ducati Monster policy cars and select ‘Claim’.
Step 3: Give answers to the damage-related questions and upload pictures of the damaged Ducati Monster to submit your claim.
After submitting your claim, ACKO’s claim settlement team will process your claim as per the terms and conditions of the policy. While minor claims are usually settled in a couple of hours, complex damages may take three or more working days.
You can renew Ducati Monster 797 two-wheeler insurance online using ACKO’s mobile app or website. The process is completely digital and easy to follow. You can enter your Ducati Monster details and previous policy information and get the policy renewed.
Yes, you must purchase at least Third-party Insurance Policy for your second-hand Ducati Monster 797. It is mandatory for every motor vehicle to have a Third-party Liability Plan. Along with that, you can also opt for the Own Damage cover to protect your bike from any potential loss, theft or damage.
At ACKO, you can buy Ducati Monster 797 bike insurance without any physical documentation. The process is easy and requires only the necessary details of the bike and previous insurance plan (if available). You can enter this information online via ACKO’s website or mobile app to instantly buy the policy.
IRDAI Registration No: 157
Category: Non-Life Insurance
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