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Harley-Davidson bikes are simply magnificent. Their look, feel, and overall riding experience is simply exhilarating. If you are thinking of buying a Harley-Davidson bike or already have one, then do consider insuring it with a wide-ranging Harley-Davidson two-wheeler Insurance plan. Read ahead to know crucial details about insuring your valuable Harley-Davidson bike to follow the law of the land and to ensure superior insurance coverage.
When you can buy groceries online, order medicines online, and book flight tickets online, there’s no reason why you shouldn’t buy bike insurance online. Here are the top advantages of insuring your Harley-Davidson online.
When you insure your Harley-Davidson online, you do not have to fill endless forms and attach a long list of documents. For instance, you can insure your bike within minutes via ACKO’s website/app.
Busy during weekdays? Insure your bike on weekends, public holidays, or whenever you feel like it. Online insurance is available 24x7. Besides, you do not need to meet agents or take appointments for buying/renewing insurance.
Usually, online bike insurance policies are less expensive than offline policies. This is because of the low operational costs incurred by digital-first insurers as compared to traditional insurance companies.
If you are looking to buy insurance or renew insurance for your Harley-Davidson bike in India, then primarily, you have the following two types of plans to choose from.
This law-mandated policy is a basic plan that insures you against liabilities arising due to injuring a third party or damaging their property with your bike. This plan does not cover damages to your two-wheeler.
This plan includes the law-mandated cover and insures your bike against damages. Comprehensive Bike Insurance covers damages to the bike caused due to fire, vandalism, calamities, and similar situations. You can also buy add-on covers with this plan.
Here are the inclusions of a Comprehensive Plan when it comes to Harley-Davidson two-wheeler insurance.
Mandatory Third-party Liability Plan
Cover against accidental damage to the bike
Cover against theft
Cover against calamities (natural and man-made)
Cover against damages due to fire
Cover as per chosen add-on plans
Note that a Personal Accident Cover is not a part of the plan and needs to be purchased separately.
Here are the exclusions of the plan.
No cover for the expired policy
No cover if the accident occurred due to violation of traffic rules
No cover for riding without a Driving License
No cover for riding the bike under the influence of alcohol
No cover for consequential damages unless specified
Strengthening your Comprehensive Bike Insurance Coverage with suitable add-ons is a good idea, especially for a Harley-Davidson bike. Here’s a list of popular add-ons.
Zero Depreciation Add-on for receiving a higher claim amount by negating depreciation.
Personal Belongings Damage/Theft Add-on to insure loss of items such as helmet kept in the bike.
Roadside Assistance Cover for emergency assistance in case of bike breakdown.
Key Protect Add-on to insure the cost of lost or damaged bike key.
Outstation Emergency Cover for receiving a fixed sum in case of bike breakdown outside 100 kms radius of your residence.
Bike Engine Protect for insuring the bike’s engine against severe damages.
Consumables Cover for insuring the cost of consumables such as screws, nuts and bolts, gearbox oil, etc. used in repairing the bike.
You should choose to buy or renew bike insurance from ACKO for the following reasons.
ACKO offers bike insurance policies at a low premium. This is possible because of hi-tech digital infrastructure leading to low operational costs, and a zero-commission model.
Minor bike insurance claims can be settled within a few hours and the amount shall be transferred directly to your bank account as per the terms and conditions. For major claims, the process shall be online and hassle-free.
Whether it is buying, renewing, or claiming insurance, the insurance processes followed by ACKO are free of hurdles. You can contact us for any doubts concerning bike insurance!
Here’s how simple it is to raise and settle a bike insurance claim with ACKO.
Step 1: Log in to your ACKO account with your mobile number.
Step 2: Click on Claim Now and share details.
Step 3: Receive instant claim settlement for minor damages and follow the process for major damages.
Answers to common questions about insuring your Harley-Davidson bike.
Riding an uninsured bike on public roads is a punishable offence. Thus, you must renew your bike’s policy before it expires.
Out of the two, you should prefer the Roadside Assistance add-on. However, picking add-ons shouldn’t be an ‘either or’ choice. Choose those add-ons that add value to your cover.
There is no need to upload documents to buy insurance from ACKO’s app or website.
Yes, you can renew the bike insurance policy one day before its expiry date. However, it is suggested to renew it at least a week before it expires.
Yes, each add-on must be paid for separately unless they are packaged in a particular policy.