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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.
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.
The following are some of the reasons why you should consider opting for online bike insurance for your Hero Xpulse 200.
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.
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.
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.
There are currently two bike insurance policies on sale for Hero Xpulse 200 bikes. They are Third-party Bike Insurance and Comprehensive Bike Insurance.
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.
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.
The following are the inclusions of a Hero Xpulse 200 Comprehensive Bike Insurance.
Accidental injury, death or property damage to a third party while driving
Loss/damage arising from natural disasters like earthquakes, cyclones, floods, etc.
Loss/damage arising from man-made disasters like vandalism, riots, explosions, etc.
Theft of the insured two-wheeler
Damage that cannot be repaired to the insured bike
Other inclusions if you select add-ons
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.
The following are exclusions of a Hero Xpulse 200 Comprehensive Bike Insurance.
Damages and injuries incurred while taking part in illegal racing
Driving under the influence of psychoactive drugs or alcohol
Driving without carrying necessary documents
Disregard of traffic rules while driving
Damages resulting from mechanical or electrical faults of the insured vehicle
Damages occurring as a result of the regular wear and tear of bike parts
Damages that transpire outside the geographical areas covered by the policy
The following are the commonly available add-ons for Hero Xpulse 200 bike insurance.
Bike Engine Protection Cover
Key Protection Cover
Personal Accident Cover
Outstation Emergency Cover
Roadside Assistance Cover
Personal Belongings Cover - Theft/Damage Cover
Zero Depreciation Cover
Note: The above bike add-ons are subject to availability.
The following are the advantages of choosing ACKO as your bike insurance provider.
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.
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.
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.
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.
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.
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.
Since ACKO is a digital insurance provider there is no requirement for submitting physical documents. The entire transaction is completely paperless.
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