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Two-wheeler is one of the most convenient modes of transport, especially in cities. If you own a bike or a scooter, you might be already aware of the importance of two-wheeler insurance. Motor insurance protects you against financial losses due to damage to your bike and makes sure you comply with the legal requirements. Read on as this article covers all the aspects of Hero Splendor Plus bike insurance.
Below are the reasons why should opt for online bike Insurance for your Splendor Plus bike:
You need not fill lengthy forms or complete tedious documentation when you buy two-wheeler insurance online at ACKO. There is no paperwork, and you can complete the purchase online. Visit the ACKO website/app and enter three basic details: vehicle make/model, year of purchase and previous policy details. Select the insurance plan and complete the purchase without any paperwork or documentation.
There is no need to visit the insurer’s office or any agent/middleman when you buy bike insurance online. You can log on to the ACKO website/app from your computer/smartphone and purchase 2-wheeler insurance from anywhere in the country. The ease of access saves you a lot of time and money.
When you buy bike insurance online on ACKO, there is no intervention from an agent/middleman. So, you pay only for the insurance policy, and there are no additional costs. With no external influence, you can purchase the best insurance plan that suits your needs at an economical price.
You can buy either of the two types of two-wheeler insurance plans for Hero Splendor Plus bike: Third-Party Bike Insurance Plan and Comprehensive Bike Insurance Plan. Below are the coverage details of both the 2-wheeler insurance plans:
As per The Motor Vehicles Act, 1988, a Third-Party Bike Insurance Plan is mandatory for your bike. The insurance plan offers Third-Party Liability (TPL) cover, which provides coverage against loss/damage to third-party property or life. But one of the main disadvantages of a Third-Party Policy is that it does not cover damages to your bike.
For all-around coverage for your bike, a Comprehensive Insurance Pan is an ideal choice. The insurance plan offers Third-Party and Own Damage cover. The Comprehensive Policy covers damages to your motorcycle caused due to an accident, fire, or natural/man-made disasters. The insurance policy also provides coverage if your bike is stolen or suffers a total loss. Apart from that, you can also enhance the scope of coverage of the policy via add-ons.
Hero Splendor Plus Comprehensive Two-wheeler Insurance provides coverage against the following:
Loss or damage to the motorcycle due to an explosion or fire outbreak.
Loss or damage to the motorcycle due to an accident.
Loss or damage to third-party property or life.
Damages to the motorcycle due to man-made calamities such as vandalism, riots, etc.
Theft or total loss of the insured motorcycle.
Damages to the motorcycle due to natural disasters such as floods, cyclones, earthquakes, etc.
Hero Splendor Plus bike insurance does not provide coverage against the following:
Loss or damage to the motorcycle due to wear and tear.
Loss or damage to the motorcycle when driving under the influence of intoxicating substances.
Personal Accident cover.
Loss or damage to the motorcycle due to rash riding or improper handling.
Loss or damage to the motorcycle while riding without a valid driving licence.
Any add-on covers which are not purchased.
Loss or damage to the motorcycle due to an electrical or mechanical failure.
Add-on is an individual cover that enhances the coverage benefits of the Comprehensive Bike Insurance Plan. You can opt for add-ons while buying/renewing the bike insurance policy. Below are the available add-ons for Hero Splendor Plus bike insurance:
Zero Depreciation Cover
Engine Protection Cover
Roadside Assistance Cover
Key Protect Cover
Personal Belongings - Damage/Theft
Outstation Emergency Cover
You can consider buying the below add-ons to enhance the coverage of the Hero Splendor Plus bike insurance:
Engine Protection Cover: Typically, a two-wheeler insurance plan does not cover damages to the engine of the bike. Engine repairs can be expensive, as it is one of the critical components of the vehicle. With the Engine Protect add-on, ACKO will cover the costs arising due to engine damages. The add-on provides coverage against damages to the engine caused due to an accident or natural/man-made disasters.
Roadside Assistance Cover: A vehicle breakdown is the last thing you want when riding your motorcycle. If your Splendor Plus suffers a puncture or engine failure, you are stranded in the middle of the road. Roadside Assistance (RSA) cover comes to your rescue in such situations. RSA add-on provides 24x7 assistance within 100km from your place of residence. The add-on offers towing service and on-the-spot vehicle repair service.
Consumables Cover: The bike insurance plan does not cover the cost of consumable items such as engine oil, brake fluids, gear oil, nuts and bolts, etc. So, each time your vehicle is repaired at a service centre, you will be charged for consumables. However, if you opt for the Consumables cover add-on, ACKO will cover the cost incurred due to the use of consumables during the repair of your Splendor Plus bike.
Below are the advantages of purchasing ACKO Bike Insurance Policy for your Splendor Plus:
You can get your bike insured instantly at ACKO. There is no paperwork, documentation, and you need not wait to get your policy. Enter your vehicle details on the ACKO website/app, choose your insurance plan/add-ons and make the payment online. Your bike insurance policy will be instantly sent to your email address.
If you are buying bike insurance and the previous policy is expired, an insurer will inspect your vehicle before issuing the new policy. But at ACKO, there is no pre-inspection, even though your previous policy has lapsed. You can purchase ACKO two-wheeler insurance instantly without the hassle of getting your bike inspected.
ACKO offers an instant on-account claim settlement for minor damages to your two-wheeler. If the damages are severe or if your bike requires extensive repair work, you can get it done via any of ACKO’s network garages. Claims are settled quickly, depending on the condition of the two-wheeler.
ACKO offers online bike insurance plans directly to the customers without any intervention from agents/middlemen. Due to the digital process, ACKO saves a lot on operational costs. The savings are passed on to the customers in the form of low-premium insurance plans. When you buy an insurance plan from ACKO, you only pay for the insurance policy.
Filing a bike insurance claim at ACKO is easy, and the entire process takes only a few minutes. Follow the steps below to raise a two-wheeler insurance claim at ACKO:
Step 1 - Visit the ACKO website or download the mobile app.
Step 2 - Login to your account via an OTP sent to your registered mobile number.
Step 3 - Select the Claim option on your policy card.
Step 4 - Enter a few details about the nature of the damage
Step 5 - Upload the pictures of your damaged two-wheeler.
Step 6 - You will receive an instant on-account claim settlement if the damages are minor.
Step 7 - If the extent of damages is severe, ACKO’s two-wheeler insurance expert will contact you to process the claim.
You need not submit any documents when buying ACKO bike insurance online. Visit the ACKO website or log on to the ACKO smartphone app. Enter a few details about your bike and yourself. Choose your insurance plan and pay online. Your bike insurance policy will be instantly sent to your email address. There is no filling of forms or documentation when buying ACKO bike insurance.
Yes. Buying at least a Third-Party Bike Insurance Plan is mandatory to comply with the rules and regulations. Riding your bike without a valid motor insurance policy is an offence, and you can be penalised for the same. So, buying Third-Party Bike Insurance is compulsory. But for extensive coverage for your bike, you can consider purchasing a Comprehensive Two-wheeler Insurance Policy.
Comprehensive Two-wheeler Insurance Policy is better for your bike as it offers Third-Party and Own Damage cover. The Comprehensive Policy covers damages to your bike and also theft or total loss of the insured motorcycle. Apart from that, you can also buy add-ons for a Comprehensive Plan to enhance the scope of coverage of the policy. Overall, a Comprehensive Bike Insurance Plan provides extensive coverage for your bike.
No. There is no documentation required to renew ACKO bike insurance online. Visit the ACKO website or app and log in to your account. Select the insurance plan on your ‘Policy Card’ and click the ‘Buy Now’ button. Make the payment online, and your bike insurance renewal process is complete. The renewed bike insurance plan will be sent to your email address.
Yes. A Comprehensive Two-wheeler Insurance Policy covers damages caused to your bike due to natural disasters. If your bike is damaged due to floods, earthquakes, cyclones, etc., such losses are covered by the insurer, provided you have opted for a Comprehensive 2-wheeler Insurance Plan.
An add-on is an individual cover that enhances the coverage of the Comprehensive Two-wheeler Insurance Plan. You can opt for more than one add-on cover while buying/renewing Comprehensive Bike Insurance. You can choose add-ons as per your need and the type of vehicle you own.
You need to submit the following documents to file a bike insurance claim:
Two-wheeler insurance certificate
Vehicle registration certificate
Personal identity proof
Duly filled and signed claim form
Copy of FIR (If required)
Receipts and bills of repair work (If any)
ACKO customers need not go through the traditional process for an insurance claim. You can log in to your ACKO account and fill in a few details about the damage to your two-wheeler. You will receive an instant claim settlement for minor damages. If the extent of damage is severe, ACKO’s two-wheeler insurance expert will guide you about the further process.
If you have made zero-claims during the previous policy period, the NCB (No Claim Bonus) will be automatically applied during the policy renewal. The percentage of NCB discount depends on how many claim-free years you have accumulated over time. The NCB discount goes up to 50% if you have made no claims for five consecutive years.
Yes. Personal Accident (PA) cover is mandatory as per law. PA cover is not included in the two-wheeler insurance policy. You have to buy the Personal Accident cover separately while purchasing/renewing the bike insurance plan. You need to have only one PA cover if you own multiple vehicles.
Yes, you can reduce the cost of bike insurance by installing an anti-theft/security device on your two-wheeler. With a reduced risk of vehicle theft, the two-wheeler insurance premium will come down. You can also avoid purchasing unnecessary add-ons for the Comprehensive 2-wheeler Insurance Plan. Lastly, you can opt for a Third-Party Insurance Plan to reduce the cost of bike insurance.
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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 |
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