Hero Electric Optima E5 Bike Insurance

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Hero Electric Optima E5 Bike Insurance

Hero Electric Optima E5 is an excellent electric scooter for city commutes. Nonetheless, the production of this bike has been discontinued. So, if you are one of the lucky ones who already own this scooter, this article is for you. Read ahead to know more about Hero Electric Optima E5 bike insurance in India.

Bike insurance plans for Hero Electric Optima E5 scooters

As far as Indian bike insurance is concerned, there are majorly only two types of bike insurance plans available for Hero Electric Optima E5 scooters. Below are the details of both.

Third-party Bike Insurance Plan

This insurance plan offers financial support in the unfortunate scenario that your insured bike causes injury, death or property damage to a third party. Nonetheless, Third Party Two Wheeler Insurance does not cover accidental damages that occur to your own insured two wheeler.

Comprehensive Bike Insurance Plan

This plan comes with an own damage cover and also offers financial support for third-party liabilities. Own damage bike insurance cover usually offers financial support towards damages to your insured bike that may have natural or manmade causes. Under this plan add-ons can also be chosen.

What’s covered in Hero Electric Optima E5 bike insurance (inclusions)

The following accident cases are usually covered under Comprehensive Bike Insurance for Hero Electric Optima E5 bike insurance.

Note: A Personal Accident (PA) cover in bike insurance is a legal requirement. However, it doesn’t come along with Comprehensive Bike Insurance and so, you may have to buy it individually. It provides financial support if the insured becomes a victim of an accidental disability or death.

What’s not covered in Hero Electric Optima E5 bike insurance (exclusions)

The following accident cases are usually not covered under Comprehensive Bike Insurance for Hero Electric Optima E5 bike insurance.

Add-ons for Hero Electric Optima E5 bike insurance

Below are some of the add-ons you may be able to buy along with a Comprehensive Bike Insurance Plan.

Disclaimer: These add-ons are subject to availability with your insurer.


If you are opting for online two-wheeler insurance, here are the top reasons why you should choose ACKO bike insurance for your electric scooter.

Good deals on plans

ACKO is a fully digital insurance provider and thus, directly deals with customers without employing any middlemen. This considerably brings down the costs to the company. These costs saved enable us to offer good deals on our bike insurance plans.

Instant repair claim settlements

At ACKO we ensure that bike insurance claims are settled at the earliest. Claims raised towards minor damages to your insured scooter may be settled as soon as possible, on the same day itself. Nonetheless, more impactful damages may take longer based on the impact.

No inspection for first-timers

Usually, insurers may require a two-wheeler inspection if you are buying bike insurance from them for the first time. So, a surveyor may be sent over to your home to inspect your scooter. At ACKO, we save you the hassle. No, vehicle inspection for first-timers!

Frequently asked questions

Below are some questions that are frequently asked regarding Hero Electric Optima bike insurance.

Why should I purchase bike insurance for my Hero Electric Optima E5 electric scooter?

Unfortunately, accidents are frequent on Indian roads. If you are involved in an accident and are not financially covered under an insurance policy, you may have to bear huge accident-related costs. These costs may include damages to your bike and property damages and injuries to a third party. 

Thus, we recommend that you buy bike insurance in advance to avoid having the pressure of managing these huge costs. That way, you can ride stress-free without worrying about the financial implications of an accident. Apart from this, as per the Motor Vehicles Act of 1988, it is mandatory to buy bike insurance. 

How do I go about bike insurance renewal for my Hero Electric Optima E5 from ACKO?

It is easy to go about bike insurance renewal for your Hero Electric bikes via our website/app/ . Just login to your account on our website/app and enter your bike’s details. After that choose a new plan (or stick to your current plan if it fulfils your requirements). Then, make an online payment for the plan you have opted for. Once you have done that, you will immediately receive your bike’s renewed policy document via email. It’s that simple!

Can I ride my Hero Electric Optima E5 without buying bike insurance?

No, legally, you cannot ride your Hero Electric Optima E5 on Indian roads without an active bike insurance policy. As per The Motor Vehicles Act of 1988, it is unlawful to ride a two wheeler on Indian roads without valid bike insurance. Riding without two wheeler insurance can lead to penalties.

Other Two-wheeler Insurance for Hero Electric Bike Models/Variants

Hero Electric NYX Insurance Hero Electric Photon Insurance

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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. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

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