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Hero Electric Photon Bike Insurance

Get your Hero Electric Photon bike insured in a simple and hassle-free way!

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Hero Electric Photon Bike Insurance

Hero Electric Photon is a flagship model produced by Hero Electric. It comes with attractive features such as stylish alloy wheels, telescopic suspension and a detachable battery. However, as per Indian laws, if you buy this scooter, it needs to be insured. So, if you own this scooter or are planning to buy it, read ahead to learn more about Hero Electric Photon Bike Insurance.

Bike insurance plans for Hero Electric Photon scooters

Primarily, there are two bike insurance plans that can be bought for Hero Electric Photon scooters. Below are the details of both.

Third-party Bike Insurance Plan

Having this plan is the minimum legal requirement to ride on Indian Roads. It offers support for the financial implications of accidental injury, death or property damage occurring to a third party. However, damages that may occur to your bike are not covered under this plan.

Comprehensive Bike Insurance Plan

It offers the coverages of a Third-party Bike Insurance Plan and also comes with an Own Damage (OD) cover. The coverages offered under an OD cover include accidental damages, theft and damages that are caused by natural or manmade unfortunate events.

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

If you buy Comprehensive Bike Insurance for your Hero Electric Photon scooter you may receive coverage in the following scenarios.

Note: A Personal Accident (PA) in bike insurance cover offers financial recompense in the event of disability or death to the insured. As per Indian laws, it is mandatory to obtain aPA cover. However, it needs to be bought independently. 

What’s not covered in Hero Electric Photon scooter insurance (exclusions)

Below are the common exclusions applicable for both Third-party Bike Insurance and Comprehensive Bike Insurance.

Add-ons for Hero Electric Photon scooter insurance

You can buy the following add-ons under a Comprehensive Bike Insurance Plan.

Disclaimer: The add-ons enumerated above aresubject to availability.


If you are buying bike insurance for your Hero Electric Photon scooter, you should consider buying ACKO bike insurance. Here’s why.

Reasonably priced plans

Since ACKO is an online insurance provider, it uses its digital infrastructure to facilitate direct-to-customer interactions. Thus, there is no need for employing any intermediaries. The resulting costs saved enable ACKO to offer reasonably priced plans.

Immediate claim settlements

We understand that meeting with an accident is hard enough. Thus, we make sure that we settle your bike insurance claims as soon as we can. Claims raised for trivial damages are settled within hours. However, more substantial damages may take longer.

No first-time inspection

At ACKO we want to make your insurance experience simple and easy. So, we do not expect your scooter to undergo any inspection to buy insurance. You can buy it online after filling your scooter details and selecting your prefered plan.

ACKO’s claim process

Claiming ACKO bike insurance involves the following simple steps.

Step 1: Open the ACKO website or mobile application and sign in to your account.

Step 2: Select the policy card of your Hero Electric Photon and click on “Claim”.

Step 3: Respond to a few damage-related questions and upload relevant images if needed. Once you are done, click on “Submit”.

After a claim is submitted, our claims department will process it. Based on the damage, you will receive financial compensation as per the policy’s terms and conditions.

Frequently asked questions

The following are some of the frequently asked questions on Hero Electric Photon bike insurance.

Why is it important to buy bike insurance for Hero Electric Photon?

Bike insurance offers financial protection against accidental damages to an insured Hero Electric Photon. If you do not have bike insurance, you may have to pay for all these expenses from your own pocket. Apart from this, as per The Motor Vehicles Act of 1988, it is a must for all bike owners to have Third-party Bike Insurance. Being found without valid insurance may incur monetary penalties. Hence, buying bike insurance is crucial.

Which is the best ACKO bike insurance plan available for Hero Electric Photon?

Third-party Bike Insurance is the most low-priced bike insurance currently on sale in ACKO. However, it covers only injury, death or property damage suffered by a third party. Accidental damages incurred by your insured electric scooter are not covered. That is why we recommend Comprehensive Bike Insurance. In this plan, you will get the mandatory Third-party Bike Insurance and an Own Damage bike insurance (OD) cover. So you are financially protected on both fronts.

Will Comprehensive Bike Insurance offer enough coverage for my Hero Electric Photon electric scooter?

Comprehensive Bike Insurance usually offers sufficient coverage for Hero Electric Photon scooters. Nonetheless, if you feel the coverage offered is inadequate, you can always choose add-ons to extend the plan’s coverage.

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

Hero Electric NYX Insurance Hero Electric Optima E5 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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