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Hero Duet is a light and nimble family scooter. Scooters are one of the most convenient modes of transport, especially in cities. Two-wheeler insurance is necessary to ride your scooter on Indian roads. Bike insurance not only provides financial backup but also makes sure that the owner complies with the legal requirements. Read on to more about Hero Duet bike insurance.
Two-wheeler insurance is a must in India to comply with the legal requirements. Moreover, a bike insurance policy also provides financial backup in case of damage to your Hero Duet. Below are the benefits of buying two-wheeler insurance for your Hero Duet scooter:
A Third-Party Bike Insurance Policy provides the mandatory third-party liability (TPL) cover. The TPL cover provides coverage against loss/damage to third-party property/vehicle or life. For instance, if your Hero Duet is involved in an accident and damages another person’s vehicle/property or injures a third-party, such losses are covered by the TPL cover.
A Comprehensive Bike Insurance Policy covers damages to your Hero Duet. The insurance plan comes with an Own Damage (OD) cover, which covers vehicle damages caused due to fire, accident or man-made/natural disasters. The insurance plan provides a financial backup if your scooter is damaged due to an untoward incident.
The Comprehensive Two-wheeler Insurance Plan also covers theft or total loss of the insured vehicle. If your Hero Duet is stolen or suffers extensive damage in an accident, then the insurer will pay you the IDV (Insured Declared Value) of the scooter.
A Personal Accident cover is mandatory as per law, no matter what type of bike insurance you buy. The Personal Accident or PA cover provides coverage if the rider/owner suffers a disability or accidental death when riding the insured scooter. The PA cover needs to be bought separately along with the insurance policy.
If you need extensive coverage for your Hero Duet, you can opt for add-ons when buying/renewing the Comprehensive Bike Insurance Policy. You can opt for individual add-ons to enhance the coverage benefits. You can choose add-ons as per your need or the type of vehicle you own.
There are mainly two types of bike insurance plans for Hero Duet: Comprehensive Bike Insurance Plan and Third-Party Bike Insurance Plan. Below are the coverage details of both the bike insurance plans:
A Third Party Bike Insurance Plan is mandatory to comply with the legal requirements. It’s a basic two-wheeler insurance plan for your scooter, which covers damage to third-party property/vehicle or life. The insurance plan does not provide coverage against damage to your two-wheeler.
A Comprehensive Bike Insurance Plan is an optional plan, but it provides extensive coverage. The insurance plan comes bundled with Third-Party and Own Damage cover. Apart from the third-party damage cover, the Comprehensive Plan covers damage to your vehicle. The damage might be due to an accident, fire or man-made or natural disaster. Also, the insurance plan covers theft or total loss of the insured two-wheeler. You also have the flexibility to expand the coverage benefits by purchasing add-ons along with the Comprehensive Policy.
Hero Duet Comprehensive Two-wheeler Insurance Plan provides coverage against the following:
Loss/Damage to third-party property or life.
Loss/Damage to the scooter due to natural disasters such as floods, earthquakes, cyclones, etc.
Loss/Damage to the scooter due to an accident.
Loss/Damage to the scooter due to an explosion or fire outbreak.
Loss/Damage to the scooter due to man-made calamities such as vandalism, etc.
Total loss or theft of the insured two-wheeler.
Hero Duet bike insurance does not provide coverage against the following circumstances:
Loss/Damage to the scooter due to wear and tear.
Loss/Damage to the scooter when riding without a valid driving licence.
Loss/Damage to the scooter due to mechanical or electrical failure.
Loss/Damage to the scooter when riding under the influence of alcohol/intoxicating substances.
Loss/Damage to the scooter due to reckless riding or improper handling.
Any add-ons which are not purchased.
An add-on in bike insurance is an individual cover that extends the coverage benefits of the Comprehensive Two-wheeler Insurance Plan. Only a Comprehensive Bike Insurance Plan allows you to purchase add-ons. Below are the available add-ons for Hero Duet bike insurance:
Roadside Assistance Cover
Zero Depreciation Cover
Engine Protection Cover
Outstation Emergency Cover
Loss of Personal Belongings Cover
Key Protect Cover
Below are the advantages of purchasing Hero Duet bike insurance from ACKO:
Buying two-wheeler insurance online from ACKO is simple and hassle-free. Just visit the ACKO website/app and enter basic vehicle details to purchase bike insurance for your Hero Duet scooter. The entire buying process is digital, and there is no paperwork.
At ACKO, you can apply for a bike insurance claim online without any paperwork. The claim settlement process is smooth and fast. You will get an instant claim settlement for minor damage claims. For major damage claims, our two-wheeler insurance expert will get in touch with you to process the claim settlement.
ACKO’s website will provide you with all the information related to bike insurance. Further, two-wheeler insurance experts will guide you in choosing the right two-wheeler insurance policy for your Hero Duet scooter.
ACKO offers bike insurance plans at a low premium. ACKO is a digital-first general insurance company, and there is no agent/middleman involved while buying bike insurance. With the digital process, ACKO saves on operational costs and passes on the savings to the customers via low-cost bike insurance plans.
Filing a bike insurance claim online at ACKO is simple and hassle-free. Follow the below steps to raise a two-wheeler insurance claim at ACKO:
Step 1 - Visit the ACKO website (www.acko.com) or download the ACKO app.
Step 2 - Log in to your account with the registered mobile number.
Step 3 - Select the Claim option on your policy card.
Step 4 - Enter a few details, such as the type of damage.
Step 5 - Upload the pictures of your damaged two-wheeler.
Step 6 - You will receive an instant claim settlement for minor damages.
Step 7 - In the case of major damages, a two-wheeler insurance expert from ACKO will get in touch with you to process the claim.
Below are some of the most commonly asked questions about Hero Duet bike insurance:
Yes. Online bike insurance is valid for all two-wheelers. When you purchase bike insurance online from ACKO, a soft copy of the insurance certificate is sent to your email address. Moreover, buying two-wheeler insurance online will save you a lot of time.
No. You need not submit any documents to buy/renew bike insurance from ACKO. All you have to do is log on to the ACKO website/app and enter a few basic vehicle details to buy two-wheeler insurance. That’s it, choose your plan and make payment online. There is no paperwork while buying/renewing bike insurance from ACKO.
Yes. Buying at least a Third-Party Bike Insurance Policy is mandatory to comply with The Motor Vehicles Act, 1988. But Third-Party Insurance policy provides only third-party damage cover. So, you can consider buying a Comprehensive Bike Insurance Policy for extensive coverage, which includes Third-Party and Own Damage cover.
An add-on is an individual cover sold along with the Comprehensive Bike Insurance Policy to expand the coverage benefits of the policy. You can opt for add-ons when buying/renewing the Comprehensive Two-wheeler Insurance Plan. There are a host of add-ons available for Hero Duet bike insurance. Click here to see the available add-ons for Hero Duet two-wheeler insurance.
Yes. A Personal Accident cover is mandatory as per law, regardless of which type of two-wheeler insurance plan you buy. Personal Accident (PA) cover is not included in the two-wheeler insurance plan. You can purchase the PA cover separately while buying/renewing the bike insurance policy.
The benefit of not raising any claims against the bike insurance policy is that you can get a discount on the premium while renewing the insurance policy. The insurer will award you the No Claim Bonus (NCB) discount for making zero claims during the previous policy period. And the discount can go up to 50% if you have made zero claims for five consecutive years.
If the bike insurance policy for your Hero Duet expires, then you will no longer get the coverage benefits offered by the policy. In other words, the insurance company will no longer provide coverage to your two-wheeler until you renew the bike insurance policy. If you fail to renew the two-wheeler insurance policy within 90 days, you may also lose out on benefits such as the No Claim Bonus discount.
Yes, you can file a bike insurance claim if your scooter is damaged due to flooding, provided you have an active Comprehensive Two-wheeler Insurance Policy. A Comprehensive Bike Insurance Policy covers damage to the two-wheeler caused due to natural calamities.
No. A Comprehensive Bike Insurance Policy does not cover the damages to the engine of the two-wheeler. However, you can opt for the Engine Protect add-on, if you are looking to cover the engine in the bike insurance policy. You can buy the add-on while purchasing/renewing the bike insurance policy. You can purchase add-ons at a nominal increase in the insurance premium.
The turnaround time for bike insurance claim settlement depends on the type of claim. For instance, ACKO offers instant claim settlement for minor damage claims. Major damage claims can be settled in a few days, depending on the condition of the damaged vehicle. The theft and total loss claim settlements may take more time, depending on the completion of the investigation and verification.
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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 |
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