Harley Davidson Forty-Eight Bike Insurance

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Harley Davidson Forty-Eight Bike Insurance

Home / Two-wheeler Insurance / Harley-Davidson Insurance / Harley Davidson Forty-Eight Bike Insurance

Harley Davidson is an American motorcycle manufacturing company. It was founded in 1903, and is mainly recognized for its cruiser motorcycles. In India, the Harley Davidson Forty-Eight bike is one of the brand's best-selling model.

This bike falls in the luxury category in the Indian market, and packs many latest technologies and advanced features. However, it would be best if you did not ignore the risk of unfortunate situations that may arise on the road. Fire, accident, theft, or natural disaster, can affect your premium bike. Thus, taking a reliable Harley Davidson Forty-Eight bike insurance is best to prepare yourself to avoid any risk to your bike.

Which Harley Davidson Forty-Eight Bike Insurance is Best?
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In India, you mostly get two types of Harley bike insurance: third party and comprehensive. Look below to get a brief information about both bike insurance types.

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1. Third-Party
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It's compulsory to get third-party bike insurance under the Motor Vehicle Act, 1988. This bike insurance policy only gives protection and claim facility to the third party. Also, it does not cover any personal body injuries or damage to your Harley bike. Therefore, third-party Harley bike insurance comes at an affordable premium. 

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2. Comprehensive
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A comprehensive bike insurance plan covers third-party liability and your bike. So, when any unfortunate event occurs on the road, you and the third party can get a claim for bike damage and medical expenses. Insurers like ACKO also provide many add-ons to make your comprehensive Harley bike cover extra secure.

Why Do You Need a Harley Davidson Forty-Eight Bike Insurance Cover?
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The Harley forty-eight is an expensive motorcycle for bike enthusiasts. Any normal dent or major repairs can result a high cost. In addition, it would be hard to bear financial loss in case of theft or fire.

Below are some key reasons why having Harley Davidson Forty-Eight bike insurance is compulsory:

1. Theft

Harley Davidson Forty-Eight is one of the most popular cruiser bikes in India. It also has great value in the second-hand bike market. Therefore, many thieves keep trying to steal your favourite bike and sell it to others.

If such a thing happens, you can surely face many financial challenges. Thus, it's good to get a third-party Harley bike insurance cover. So, whenever your motorcycle gets stolen, you get mentioned compensation from the insurer.  

2. Fire

There are several scenarios where your bike can get damaged due to fire. These can be explosions, lightning, self-ignition fire, or other factors. If your motorcycle is insured, you can rest easy as you will get compensation for such damages.  

3. Accident

Harley Davidson and other motorcycle riders are 35% more likely to meet with road accidents than passenger cars.

In 2019, over 1.51 lakh people died because of a road accident, most of whom were bike riders. Although in recent times, the number of road accidents has decreased, hundreds of road accidents still happen regularly. So, to protect yourself and your bike, getting a bike insurance cover is recommended.  (Statistics for statewise breakup of road-accidents for the years 2018-2020) Source: Link

4. Natural Disasters

Another factor why you should get your Harley Davidson Forty-Eight bike insurance isnatural disasters. We don't have control over natural and artificial disasters. Therefore, many insurers also provide insurance by covering this factor. Under this, your bike insurance covers earthquakes, floods, storms, riots, and other natural situations. 

Risks Of Riding a Harley Davidson Forty-Eight Bike
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Check out some significant risks of riding a Harley Forty-Eight and other motorcycles. It will help you minimise the risk of riding your expensive cruiser.

1. Little Heavy
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If you ride a Harley bike on the road, you are more likely to get injured than car drivers. While driving a car, you have seat belts, airbags, and other safety features, but while riding Harley and other bikes, you do not have such features to protect you.

You have a helmet that can minimise the chances of serious injuries. Also, the two tires can lose balance easily, due to uneven roads or potholes.

2. Less Visible
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Like other bikes, Harley is also less visible than cars. Hence, while driving your motorcycle on the highway and other roads, you can get severe injuries due to the negligence of others.

Due to the less visibility of motorcyclists, bikers get hit by cars and trucks every day. Some drivers also do not give much attention or face blind spots in a vehicle that often causes road accidents.

3. Risk Behavior
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Most Harley and motorcycle riders are younger men between 20-30 years old. They often fail to control such heavy bikes in high-traffic areas. These riders also exceed the speed limit and ride fearlessly on the roads. Almost 65% of accidents happen on straight roads and highways. Whereas over speeding and not wearing a helmet is the prime reason for the death of bike riders.

Why Choose Acko for insuring your Harley Davidson Forty-Eight?
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ACKO is a reliable platform to get your next Harley bike insurance covered hassle-free. If you still have doubts, look at the points mentioned carefully.

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1. Easy Approval
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Harley Davidson Forty-Eight is a costly bike in the Indian market. It has good resale value and requires frequent service from a reliable garage. Therefore, while confirming your Harley Davidson Forty-Eight bike insurance, your insurer asks you to provide many documents and service reports.

It is one of the reasons that can make your insurance purchase process a little time-consuming. But with ACKO, you do not need to face any challenges as it requires minimum paperwork and provides a dedicated agent to help you. 

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2. Third-Party Protection
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By buying ACKO's Harley insurance cover, you get third-party protection. If any accident or collision arises in the future, you get a hassle-free damage claim facility. For example, if you hit a person or vehicle or a third-party vehicle, your insurer will pay for the damages. You will be free from any third-party responsibility.

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3. Cashless Assistance
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Your Harley Davidson Forty-Eight bike insurance cover also offers a cashless assistance facility. When you require service or damage repair from the listed garage, your insurer will first pay the calculated amount. And if there is any remaining payment, you will be liable to pay. So, as an owner of an expensive cruiser bike, you must ensure you get a reliable bike cover. It is because it will save you from unfortunate situations that can happen in the future.

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4. Cost-Effective Premium
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ACKO's Harley bike insurance premiums are very affordable. Whether you get a third party or comprehensive cover, you will find it starting from Rs 555 per month. You also can adjust the premium amount as per your convenience.

Tips to Minimise the Harley Davidson Forty-Eight Bike Insurance Cost
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Getting Harley Davidson Forty-Eight bike insurance can be costly, requiring proper maintenance and service. Check out the below-mentioned tips on how you can minimise the cost of insurance coverage.

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1. Ride Carefully
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You can keep the insurance cover affordable by riding carefully on the road and following all traffic rules. If your bike meets with any accident, insuring it against future accidents  will cost you a lot. Thus, your first step is avoiding mishaps while riding your bike.

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2. Compare Insurance Plans
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It would be best to compare multiple Harley Davidson Forty-Eight bike insurance plans and premiums. Instead of running towards cheap insurance coverage, try to make an informed decision. You can visit ACKO's site and compare the different plans available. Based on your preferences and requirements, you can select the ideal bike insurance cover for you.

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3. Get Proper Service
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Your bike's insurance premium also depends upon its condition. If your Harley bike looks in good condition, your insurance premium will be accessible. Hence, try to get your bike's regular service properly.

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4. Look for Relevant Add-ons
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You can find many add-ons to make your Harley bike insurance more comprehensive. However, subscribing to unnecessary add-ons can also cost you extra without being useful in the future. So, only select add-on covers that can add value to your bike insurance.

Now you know about Harley Davidson bike insurance cover, so wait no more. Buy a reliable and best Harley Davidson Forty-Eight bike insurance to secure yourself financially. If you need more details, check out the ACKO application or website.

You can use a bike insurance calculator to understand the premium amount and facilities. So, contact us if you need help buying the best Harley bike insurance cover.

Other Two-wheeler Insurance for Harley Davidson Bike Models/Variants
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ACKO General Insurance Limited

2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102

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CIN: U66000KA2016PLC138288

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 |

Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.

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