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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.
Primarily, there are two bike insurance plans that can be bought for Hero Electric Photon scooters. Below are the details of both.
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.
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.
If you buy Comprehensive Bike Insurance for your Hero Electric Photon scooter you may receive coverage in the following scenarios.
Injury, death or property damage suffered by a third party due to an accident involving your bike
Damage/loss that may come to pass as a result of unfortunate natural events like earthquakes, floods, cyclones, etc.
Damage/loss that may come to pass as a result of unfortunate man-made events like explosions, vandalism, riots, etc.
Loss of the insured scooter as a result of theft
Damaged to the two-wheeler that cannot be fixed
There may be more inclusions if you purchase add-ons
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.
Below are the common exclusions applicable for both Third-party Bike Insurance and Comprehensive Bike Insurance.
Accidental damages that are brought on by engaging in illegal racing contests
Riding after the consumption of critical thinking diminishing substances
If caught without the possession of mandatory documents
Driving without obeying traffic and road rules
Damages that are brought on by electrical or mechanical breakdowns
Damages that are brought on by the wearing away of vehicle components
Damages that come to pass beyond the geographical limits stated in the policy
You can buy the following add-ons under a Comprehensive Bike Insurance Plan.
Personal Accident Cover
Roadside Assistance Cover
Key Protection Cover
Zero Depreciation Cover
Personal Belongings Cover - Damage/Theft Cover
Outstation Emergency Cover
Bike Engine Protection Cover
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.
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.
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.
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.
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.
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.
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.
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.