Ducati Bike Insurance
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Merely thinking of a scenario where your Ducati might be damaged due to an accident or a calamity can be painful. Here’s wishing they never happen to your two-wheeler. But, in case they happen, you should have Comprehensive Ducati Bike Insurance to take care of the expenses to repair your bike and hit the road once again. This article will help you know more about picking a suitable two-wheeler insurance plan for your two-wheeled companion.
Importance of Buying Two wheeler Insurance for Ducati Bikes
Here’s why it is vital for you to insure your Ducati bike with a Comprehensive Two-wheeler Insurance Policy.
1. Legal Protection
You meet legal requirements upon insuring your vehicle with a Comprehensive Plan as it includes the mandated third-party coverage.
2. Financial Cover
In the unfortunate incident of an accident or other unpredictable events leading to bike damage, the policy will cover your repair losses.
3. 24x7 Support
ACKO offers help 24x7. Whether you want to lodge a claim, know the claim status, or have any other doubt, our team has got your back.
Insurance Plans for Ducati Bikes
At the core, the Indian bike insurance market offers the following types of policies.
1. Third-party Insurance (TP)
As the name suggests, this policy covers losses associated with third-party damage. If your bike causes an injury to a bystander (third party) or damages their property, then you are liable to pay the compensation for the injury/damage. With the TP policy, such liabilities will be taken care of by the insurer. This is a mandatory requirement.
2. Comprehensive Coverage
Simply put, a Comprehensive Cover is a combination of the TP cover and the Own Damage (OD) cover. Thus, this policy offers TP + OD coverage. While the TP coverage helps you meet legal requirements, the OD cover safeguards your hard-earned money in case your Ducati needs to be repaired. You have the option to select add-ons (at an extra cost) with this policy.
What’s Covered in Ducati Bike Insurance? (Inclusions)
Listed below are important inclusions of a Comprehensive Ducati Two-wheeler Insurance Policy.
Cover in case of injury to a third party
Cover in case of damage to third-party property
Cover in case of damage to your vehicle due to an accident
Cover for your vehicle in case of calamities (natural and manmade)
Theft coverage for your vehicle bike
What’s Not Covered in Ducati Bike Insurance (Exclusions)?
Here are instances for which the insurer will not help you out as they are exclusions to the policy.
No coverage for riding the vehicle under the influence of alcohol
No coverage for riding the vehicle with an expired Driving Licence
No coverage for riding the vehicle with an invalid insurance policy
No coverage related to add-ons that are not a part of the policy
No coverage for natural wear and tear of the bike and its parts
Add-ons for Ducati Bikes:
Ducati bikes are expensive. Therefore, a Zero Depreciation add-on is a must, as it will help negate depreciation calculation and result in a higher claim amount. A Helmet Cover in the form of a Personal Belongings Add-on and a Bike Engine Protect Add-on will also be helpful. Other popular add-ons are as follows:
Roadside Assistance: On-the-spot emergency assistance services for bike repairs.
Key Protect: Insurance cover for the vehicle’s keys in case they get lost/damaged.
Consumables Cover: Even the cost of consumables such as oil, lubricants, screws shall be covered.
Outstation Emergency Cover: Receive a pre-decided amount in case the bike breaks down on an outstation ride (beyond 100 km of your residence).
Bike Engine Protect: Cover for the bike’s heart, the engine.
Benefits of Buying ACKO Two-Wheeler Insurance Policy for your Ducati Bike
You have chosen the best when it comes to a bike brand by opting for a Ducati. Why not extend the same thought towards buying a bike insurance policy for your two-wheeler? ACKO is a digital-first insurer that offers top-notch insurance at a low premium. Here are the major benefits of insuring your vehicle with ACKO’s Comprehensive Two-wheeler Insurance Policy.
1. Save Money
You can buy bike insurance online easily by visiting www.acko.com or by using the ACKO app. As you can buy Ducati Two-wheeler Insurance directly from ACKO, there is no need for a middleman/agent. Consequently, their commission is negated and the benefit is transferred to you in the form of low premiums.
2. Convenient Buying Process
ACKO offers Ducati Bike Insurance in a paperless manner. No lengthy forms to be filled and no long list of documents to be submitted to buy the policy. You can insure your bike within minutes anytime and from anywhere.
3. No-stress Claims
Insurance claims are known to be energy draining. But that’s not the case with ACKO. Our tech-enabled zero-hassle claims process ensures a smooth claim settlement process.
Claim Procedure
ACKO’s claim process is simple and straightforward. To raise a bike insurance claim, get in touch via the website/app and share the details. Avail Instant Claim Settlement (within a few hours) for minor damages. And for major ones, the claims team will settle it at the earliest, depending upon the scale of the damage.
Here’s the step-wise process.
Step 1: Log in to My Account
Step 2: Click ‘Claim’.
Step 3: Share details. For example, upload pictures showing the damaged vehicle.
Step 4: Coordinate with the claims team for settlement.
Frequently Asked Questions
Here’s a list of common questions about insurance for Ducati bikes.
Commonly Asked Questions About Ducati Bike Insurance
Does the insurance policy come along with the bike?
The two-wheeler dealer might bundle the insurance policy along with the bike. However, it is not compulsory to purchase insurance from the vehicle dealer. You can purchase it directly from ACKO. Make sure to keep your bike insurance active. Failing to do so can result in monetary penalties.
Is the insurance price the same for all models?
The insurance price for the bikes will vary depending upon primarily the engine (cc) of the bike and the chosen coverage.
Can I renew the insurance policy of my bike via ACKO’s website even though I had bought the plan from an agent?
Yes, you can renew Two-wheeler Insurance from ACKO’s website/app even if you had purchased it initially from an agent or a different insurance company.
Why should I insure my bike with ACKO?
ACKO is a trustworthy brand that has been valued by more than a million customers. With ACKO, you receive instant policy issuance at a low cost. And 90% of ACKO’s claims are settled within 24 hours.
What should I do if I find it difficult to insure my Ducati via the ACKO website?
You can Contact Us for any sort of assistance concerning buying or renewing bike insurance.
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CIN: U66000KA2016PLC138288
IRDAI Registration No: 157
Category: Non-Life Insurance
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