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Owning and maintaining a high-end premium motorcycle in India is a challenge given the chaotic road conditions. With a two-wheeler insurance plan, you can protect yourself from the financial losses suffered due to damage to your high-end bike. Bike insurance also makes sure, as an owner, you comply with rules and regulations. Read on to know more about Harley-Davidson Fat Boy bike insurance and the benefits of buying online two-wheeler insurance.
Below are the reasons why should opt for online bike insurance for your Harley-Davidson bike:
One of the advantages of purchasing two-wheeler insurance online on ACKO is zero paperwork. Yes, you need not fill forms or submit documents. Visit the ACKO website/app and enter three basic details: vehicle make/model, year of purchase and previous policy details. Choose your insurance plan and pay online. That’s it. Your bike is insured.
Purchasing 2-wheeler insurance online is one of the most convenient ways to insure your bike. You need not visit the insurer’s office or any agent/middlemen if you opt for online bike insurance. All you have to do is visit the ACKO website/app from your computer/smartphone and purchase the insurance anytime and from anywhere. With no hassle of travel and paperwork, you will save a lot of time and money.
The process of purchasing bike insurance online on ACKO is completely digital. That means there are no agents/middlemen involved, and you are purchasing the policy directly from ACKO. This enables you to buy the policy at an economical cost. Also, the online purchase journey is transparent, and there are no hidden costs. You can compare and choose the best insurance policy that fits your needs and pay only for the insurance plan.
You can buy either of two types of two-wheeler insurance plans for the bike: Third-Party Bike Insurance Plan and Comprehensive Bike Insurance Plan. Below are the coverage benefits of both the two-wheeler insurance plans:
Third-Party 2-wheeler Insurance Policy is a basic and mandatory insurance plan while riding a bike. Buying at least a third-party cover is compulsory as per The Motor Vehicles Act, 1988. The insurance plan provides coverage against damage to third-party property/life. Note that the Third-Party Plan comes with only Third-Party Liability (TPL) cover, and it does not cover damages to your bike.
Comprehensive Two-wheeler Insurance Policy is an optional plan for your bike, but it offers extensive coverage. The insurance plan comes bundled with Third-Party and Own Damage cover. Comprehensive Policy covers damage to your bike caused due to fire, accident, or man-made/natural calamities. The insurance plan also covers the total loss or theft of the insured motorcycle. You can also expand the scope of coverage of the policy via suitable add-ons.
Harley-Davidson Fat Boy Comprehensive Bike Insurance Plan by ACKO provides coverage against the following:
Loss or damage to third-party property/life.
Loss or damage to the motorcycle due to an explosion or fire outbreak.
Damages to the motorcycle due to natural disasters such as earthquakes, floods, cyclones, etc.
Loss or damage to the motorcycle due to an accident.
Total loss or theft of the insured motorcycle.
Loss or damage to the motorcycle due to man-made calamities such as riots, vandalism, etc.
Harley-Davidson Fat Boy Two-wheeler Insurance does not provide coverage against the following:
Loss or damage to the motorcycle due to electrical or mechanical failure.
Damages to the motorcycle due to wear and tear.
Loss or damage to the motorcycle when riding under the influence of intoxicating substances.
Any add-on cover which is not purchased.
Personal Accident cover.
Loss or damage to the motorcycle due to rash riding or improper handling.
Damages to the motorcycle while driving without a valid driving licence.
Add-on is an individual cover that enhances the coverage benefits of the Comprehensive Two-wheeler Insurance Plan. You can buy an add-on when purchasing/renewing the Comprehensive Policy. Below are the available add-ons for Harley-Davidson Fat Boy bike insurance:
Roadside Assistance Cover
Zero Depreciation Cover
Engine Protection Cover
Outstation Emergency Cover
Key Protect Cover
Personal Belongings - Damage/Theft
You can opt for the below add-ons for extensive coverage for your Harley-Davidson Fat Boy bike:
The value of the bike parts depreciates over time due to wear and tear. Usually, during claim settlements, you receive the depreciated value and not the original value of the bike. However, with ACKO’s Zero Depreciation add-on, you will get the full value of the bike parts during repairs. Zero Depreciation add-on is best suited for high-end bikes like Harley-Davidson Fat Boy as it negates the depreciation value.
Harley-Davidson Fat Boy bike is equipped with a high-capacity engine with advanced technology. Any damage to the engine can cost you dearly, as a bike insurance policy does not cover engine damages. But if you opt for the Engine Protection add-on, the costs incurred due to engine repairs are covered by ACKO. The add-on coves engine damages caused due to an accident or man-made/natural disasters.
The cost of consumable items such as engine oil, brake/gearbox oil, nuts and bolts, etc., are on the higher side for a high-end bike. Typically, a two-wheeler insurance plan does not cover the cost of consumables. However, with the Consumables cover add-on, ACKO covers the cost arising due to the use of consumable items during the repair of your Fat Boy bike.
The Harley-Davidson Fat Boy is a cruiser, and you may be riding the bike on highways on long rides. A vehicle breakdown/accident could ruin your ride as you may be stranded without any assistance. The Outstation Emergency cover is one of the important add-ons for your bike. The add-on provides assistance outside a 100 km radius from your place of residence. Also, if the vehicle repair time exceeds 12 hours, you will get a reimbursement of Rs. 2,500.
Below are the advantages of purchasing ACKO Two-wheeler Insurance Policy for your Harley-Davidson Fat Boy:
There is no waiting or filling of forms when you buy 2-wheeler insurance from ACKO. Just enter the vehicle details on the ACKO website/app and choose your insurance plan and add-ons. Complete the payment online, and you are done with the purchase. The insurance policy will be instantly delivered to your email address. You can get your bike insured within a few minutes on ACKO.
Buying a bike insurance policy can be a hassle if your previous policy is expired. The insurer needs to inspect your vehicle to issue a new policy. But at ACKO, there are no such hassles as there is no pre-inspection even if your previous bike insurance policy has lapsed. You can buy the policy instantly without the need for an inspection of your two-wheeler.
ACKO offers instant on-account claim settlement for minor damages to your bike. If the damages are severe and your bike requires extensive repair work, you can get the repair done at any of ACKO’s network garages. You can also get the bike repaired at your desired garage and apply for a reimbursement claim online.
At ACKO, you can buy a two-wheeler insurance policy at low-premium thanks to the tech-enabled digital process. ACKO saves a lot on operational costs as the insurance policy is directly sold to the customer. The savings are passed on to the customers in the form of low-cost bike insurance plans.
ACKO’s bike insurance claim process is simple and quick. There is no hassle of filling forms or completing tedious documentation. Below are the steps to file a bike insurance claim at ACKO:
Step 1 - Log on to the ACKO.com website or download the mobile app.
Step 2 - Log in to your account via an OTP sent to your registered mobile number.
Step 3 - Select the ‘Claim’ option on your policy card.
Step 4 - Fill in the details about the nature of the damage.
Step 5 - Upload the pictures of your damaged bike.
Step 6 - You will receive an instant on-account claim settlement for minor damages.
Step 7 - If the damages are severe, ACKO’s bike insurance expert will contact you to process the claim.
Below are the answers to the most commonly asked questions about Harley-Davidson Fat Boy bike insurance:
Harley-Davidson Fat Boy is a high-end cruiser bike. So a Comprehensive Two-wheeler Insurance Policy is a better choice as it provides Third-Party and Own Damage cover. The Comprehensive Plan by ACKO protects you against financial losses incurred due to damage to your bike. Moreover, you can also enhance the coverage of the policy by opting for add-ons.
Yes. ACKO offers long-term bike insurance plans. When choosing your two-wheeler insurance policy, you can opt for either 2-year or 3-year plan, depending on your requirement. By opting for a long-term insurance policy, you save on the premium. You can also eliminate the hassle of yearly renewals by purchasing a long-term 2-wheeler insurance plan for your bike.
No. You need not submit any documents or fill any forms while purchasing an ACKO Bike Insurance Policy. Just visit the ACKO website/app, enter vehicle make/model, year of purchase and previous policy details. Choose your insurance plan and make the payment online. That's it. Your two-wheeler insurance policy will be instantly sent to your email address.
No. You cannot buy add-ons along with Third-Party Bike Insurance Policy. Since the Third-Party Policy does not come with an Own Damage cover, you cannot opt for add-ons. Only a Comprehensive 2-wheeler Insurance Plan allows you to opt for add-ons to enhance the coverage of the policy.
Since Harley-Davidson Fat Boy is a high-end bike, you can consider opting for Engine Protection Cover, Zero Depreciation Cover, Roadside Assistance Cover, Outstation Emergency Cover and Consumables Cover add-ons. For the complete list of add-ons offered by ACKO, click here.
It takes only a few minutes to renew bike insurance online at ACKO. All you have to do is log in to your ACKO account via the website/app and select the claim option on your policy card. Choose your two-wheeler insurance plan/add-ons and pay online. That’s it. The renewed bike insurance plan will be instantly delivered to your email address.
Yes. Harley-Davidson Fat Boy is a high-end cruiser bike. The higher the value of the bike, the higher the cost of bike insurance. Since the value of the bike is high, a Comprehensive 2-wheeler Insurance Plan is a must. Also, the cost of insurance may go up if you opt for any add-ons for extensive coverage for your bike.
If you have made no claims during the previous policy period, the insurer will award you with the No Claim Bonus (NCB) discount for riding safely. The discount will be applied to the premium while you renew the two-wheeler insurance plan. The percentage of discount depends on the number of claim-free years. The NCB discount can go up to 50% if you have made no claims for five consecutive years.
Yes. You can adjust the Insured Declared Value (IDV) as per your requirement when purchasing bike insurance from ACKO. By default, ACKO suggests the optimum IDV for your bike. You can increase or decrease the IDV with the help of the slider. If you decrease the IDV, the premium will be reduced, and the premium will go up if you increase the Insured Declared Value. We recommend you to select IDV wisely to ensure optimum coverage to your superior Harley-Davidson Fat Boy bike.
Generally, if the previous 2-wheeler insurance policy has expired, the insurer will inspect your bike before issuing a new policy. The two-wheeler might have suffered damages after the policy has lapsed. But at ACKO, there is no pre-inspection of two-wheelers even though the previous policy has lapsed.