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Harley Davidson Roadster is a retro-themed bike with a V-Twin 1,200cc air-cooled engine. Currently, it has been discontinued in India, and only a select few own it. If you are an owner of this stylish bike, this article is for you! Here, we have enumerated the different Harley Davidson Roadster 1200 cc bike insurance policies and highlighted the upsides of online bike insurance.
In this section, we will list some of the key benefits of online bike insurance for Harley Davidson Roadster.
Online insurers rely on a digital set-up. This, coupled with a no-commission model, helps reduce their operational costs. Such an approach results in low-priced policies for the customer.
Buying an offline bike policy typically involves visiting the insurer's office or meeting an agent. Conversely, major processes related to online bike insurance can be accessed anywhere via a phone or computer.
You can easily get answers to general or claim-related queries on the insurer’s official website or app. Alternatively, you can call the insurer on their toll-free number and speak to an executive to clarify your doubts.
Here are the primary types of bike insurance policies you can purchase for your Harley Davidson Roadster.
As per Indian road laws, it is mandatory to possess this insurance policy to ride legally. A Third-party Policy offers coverage against third-party liabilities such as injury to or property damage of a third party. However, it does not offer coverage if your bike endures accident-related damages.
This policy clubs the benefits of a Third-party Cover with an Own Damage (OD) Cover. An OD Cover provides coverage for theft, collision-caused damages and damages resulting from man-made and natural calamities. A Comprehensive Policy also provides an option for purchasing add-ons (based on availability).
In this section, we have listed the coverages under Harley Davidson Roadster insurance.
Collision-induced injury, death and property damage to a third party
Damages resulting as a consequence of natural calamities like storms, cyclones, earthquakes, etc.
Damages resulting as a consequence of man-made calamities like explosions, vandalism, riots, etc.
Theft of your Harley Davidson Roadster
Irreparable damage to the bike
This section lists the conditions under which you cannot claim damages.
Riding without carrying legally mandatory documents like a valid driving licence
Malfunctions resulting from the usual wear and tear of bike parts with age
Defects resulting from electrical or mechanical issues in the bike
Riding your bike without an active insurance policy
Riding after taking drugs or other intoxicating substances
Here are some commonly offered add-ons (based on availability) with a Comprehensive Bike Insurance Policy.
Zero Depreciation Cover
No Claim Bonus (NCB) Protection Cover
Roadside Assistance Cover
Key Replacement Cover
Outstation Emergency Cover
As you may already be aware, ACKO is a leading online insurer that offers bike insurance. In this section, we will outline some of the benefits you can avail of by buying our online bike insurance.
Typically, insurers hire middlemen to sell their insurance. This may inadvertently bump up their policy’s premium. Since ACKO follows a “no-commission” approach, our policies are sold direct-to-customer via our website/app at incredibly low premiums.
Damage-related claim settlements generally take time to be processed, which can take a toll on your patience. In contrast, ACKO’s claim process is quick. For instance, claim requests for minor bike damages are settled within just a few hours.
Apart from our policies being low-cost and commission-free, we also offer special discounts during festive occasions. Buying our two-wheeler insurance during these periods can help you further maximise your savings.
ACKO’s claim process involves these simple steps.
Step 1: Open the browser on your computer, type in ACKO’s web address and log in to your account. You can also use our mobile app.
Step 2: Scroll to the part of the page that displays your Harley Davidson Roadster policy card and click on “Claim Now”.
Step 3: Answer a few queries regarding the accident-related damages and share relevant pictures. After that, click on “Submit”.
After receiving your claim request, we will process it at express speed and credit the settlement amount as per your policy’s terms.
Yes, ACKO provides insurance for discontinued bikes like Harley Davidson Roadster.
Usually, add-ons can be selected (based on availability) under a Comprehensive Bike Insurance Policy for Harley Davidson Roadster. However, each add-on has a price. So, based on the type of add-ons you choose, the policy premium will increase.
Is the premium payable for insuring my Harley Davidson Roadster dependent on its age?Yes, the premium for insuring your Harley Davidson Roadster depends on the vehicle's age. This is because the Insured Declared Value (IDV) or the current market value of your bike reduces with time, and the lesser the IDV selected while buying/renewing a policy, the lower the premium payable.