Hero Motocorp Xpulse 200 Bike Insurance

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Hero Motocorp Xpulse 200 Bike Insurance

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Hero Motocorp Xpulse 200 is an extremely stylish bike with great on-road and off-road ride quality. But before riding this bike on Indian roads it is crucial to financially protect yourself against accidental damages to your bike and yourself. Read on to know more about Hero Motocorp Xpulse 200 bike insurance and the advantages of opting for online bike insurance.

About Two-wheeler Insurance for Hero Xpulse 200

There are 2 types of bike insurance applicable for Hero Xpulse 200, namely, 3rd Party Bike Insurance and Comprehensive Bike Insurance. Third-party Bike Insurance is lawfully mandatory for all bike owners. It covers injury, death and property damage to a third party. Nonetheless, it does not offer any financial protection to the insured bike.

Comprehensive Bike Insurance offers Own Damage (OD) cover and coverage for third-party liabilities. The OD cover of the policy provides financial protection against accidental damages and damages caused due to natural and man-made disasters. Additionally, you can also select add-ons to enhance the plan. Since it offers broader coverage, it is the more recommended choice.

Personal Accident (PA) cover is another legally mandated cover that you need to buy separately. It offers financial protection for accidental disability or death to the insured.

Benefits of purchasing two-wheeler insurance for Hero Xpulse 200 online
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The following are some of the reasons why you should consider opting for online bike insurance for your Hero Xpulse 200.

Compare advantages
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With everything becoming digitalised nowadays, several insurers have migrated to the online mode to reach their target customers. Because of this, comparing the advantages of plans online has become possible. This makes picking the most suitable plan for your bike easy.

Constant assistance
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You need not fret if you are new to online bike insurance. There is usually always a live chat available on insurers’ websites to help you clarify your doubts. There is also usually a toll-free number provided if you prefer to speak to a customer service executive instead.

Zero documentation
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If you buy bike insurance offline you will have to fill out forms and submit documentation. Buying bike insurance online, in contrast, requires zero paperwork and documentation. You can buy online bike insurance from your internet-connected smartphone or desktop with just a few clicks.

Insurance plans for Hero Xpulse 200
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There are currently two bike insurance policies on sale for Hero Xpulse 200 bikes. They are Third-party Bike Insurance and Comprehensive Bike Insurance.

Third-party Bike Insurance Policy
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A Third-party Bike Insurance Policy is the most basic insurance available for bikes. As per The Motor Vehicles Act of 1988, it is legally necessary for all bike owners to buy and carry Third-party Bike Insurance. Not possessing one while driving is punishable by law. A Third-party Bike Insurance offers financial protection against injury, death or property damage to a third party. However, it does not cover damages to the insured bike.

Comprehensive Bike Insurance Policy
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As the name implies, a Comprehensive Bike Insurance Policy offers more comprehensive coverage than the previously discussed policy. It offers the coverage of the previous policy, as well as an Own Damage (OD) cover. Coverage under the OD cover includes accidental damages and man-made disasters and damages caused by natural. The other advantage of this policy is being able to select add-ons to enhance its coverage.

What’s covered in Hero Xpulse bike insurance?

The following are the inclusions of a Hero Xpulse 200 Comprehensive Bike Insurance.

Note: Although a Personal Accident (PA) cover is legally mandated, it is not an inclusion under Comprehensive Bike Insurance. It offers financial protection against accidental disability/death.

What’s not covered in Hero Xpulse 200 bike insurance?

The following are exclusions of a Hero Xpulse 200 Comprehensive Bike Insurance.

Add-ons for Hero Xpulse 200 bike insurance

The following are the commonly available add-ons for Hero Xpulse 200 bike insurance.

Note: The above bike add-ons are subject to availability.

Why ACKO?
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The following are the advantages of choosing ACKO as your bike insurance provider.

Incredibly Low Premium

Affordable pricing
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We works on a 100% digital infrastructure, it allows for direct-to-customer transactions. So, we are able to skip middlemen and other such operating fees. This allows us to transfer these savings to our customers in the form of affordably-priced policies.

Same Day Claim Settlement

Receive claims in no time
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We are aimed at being quick & hassle-free. Thus, in the context of claim settlements, we make sure that minor damages are settled within just a few hours of raising a claim. However, major damages may take longer depending on the extent of the damage.

Protect your bike

No surveyor inspection
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When a claim is raised, usually insurers send over a surveyor to inspect the accidental damages. After the inspection is completed, claim settlement is initiated. At ACKO we skip this step completely & settle minor claims without any in-person inspections.

ACKO’s claim procedure

You can raise a claim with ACKO by following the below easy steps.

Step 1: Log in to your account on the official ACKO website or mobile app.

Step 2: Find your insured bike’s policy card. Then click “Claim Now”

Step 3: Reply to the damage related questions that appear on your screen and upload pictures of the damages. After that, click on “Submit”.

Note: After the submission of your claim, the claim will be settled on the same day or may take a little longer. The duration depends on the severity of the damages.

Frequently asked questions
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The following are the most frequently asked questions regarding Hero Xpulse 200 online bike insurance.

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Are add-ons necessary for bike insurance?

Add-ons are not mandatory, they are optional. If you feel that Comprehensive Bike Insurance doesn’t offer adequate financial protection to your bike, you can opt for add-ons. There are specific add-ons for specific requirements. You can choose the add-ons that you need accordingly. Also, these add-ons will increase the price of your policy premium. So consider that before making a purchase.

What is the penalty for driving without valid insurance?

Driving without valid third-party bike insurance is a punishable offence. For the first offence, you may have to pay a fine of Rs. 2000 and/or serve three months of imprisonment.

Note: The above-mentioned legal action is based on the current traffic laws and is subject to change.

What are the documents that need to be submitted to buy ACKO bike insurance?

Since ACKO is a digital insurance provider there is no requirement for submitting physical documents. The entire transaction is completely paperless.

Other Two-wheeler Insurance for Hero Bike Models/Variants
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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. | *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 |

Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.

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