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Hero Xtreme is a sporty motorcycle, which offers superior performance. Be it a motorcycle or a scooter, bike insurance is a must for your two-wheeler. A bike insurance plan for your Hero Xtreme provides financial backup in case of an untoward incident and also makes sure that you comply with the rules and regulations. If you own a Hero Xtreme or are planning to buy one, then read on as this article covers all the aspects of Hero Xtreme bike insurance.
Below are the reasons why you should opt for online two-wheeler insurance for your Hero Xtreme bike.
Insure your Hero Xtreme bike instantly by purchasing two-wheeler insurance online. No need to wait for days to receive your policy document. Buy/renew the policy online at ACKO and instantly get the policy document.
There is no need to visit an insurer’s office or any agent to insure your bike when you buy bike insurance online. All you have to do is log on to the insurer's website (www.acko.com) or mobile app to access insurance-related services.
There are no agents involved when you purchase/renew two-wheeler insurance online. Hence, you need not pay any commissions. Without any external influence, you can choose the bike insurance policy that best fits your needs.
There are mainly two types of bike insurance plans for Hero Xtreme: Comprehensive Bike Insurance Pan and Third-party Bike Insurance Plan. Here are the details of the bike insurance plans
Purchasing a Third Party Bike Insurance Policy is compulsory to meet the legal requirements. A Third-party cover is mandatory to ride your two-wheeler on Indian roads. The insurance plan covers damage to third-party vehicle/property or life. It’s a basic insurance plan for your Hero Xtreme as it does not cover own vehicle damages.
You can opt for the Comprehensive Bike Insurance plan for an extensive coverage for your Hero Xtreme. The insurance plan comes with Third-party and Own Damage cover. The Own Damage (OD) cover provides coverage against damage to your bike. The vehicle damages could be due to fire, accident or man-made/natural disasters. The Comprehensive Two-wheeler Insurance Plan also covers losses such as theft or total loss of the insured motorcycle. Apart from that, you can also opt for add-ons to enhance the policy benefits.
Hero Xtreme Comprehensive Bike Insurance Plan provides coverage against the following.
Loss or damage to the motorcycle due to fire outbreak or an explosion.
Loss or damage to third-party life or property.
Loss or damage to the motorcycle due to an accident.
Total loss or theft of the insured motorcycle.
Loss or damage to the motorcycle due to man-made calamities such as riots, etc.
Loss or Damage to the motorcycle due to natural disasters such as storms, floods, earthquakes, etc.
Note: Personal Accident cover is compulsory and can be purchased separately.
Hero Xtreme two-wheeler insurance will not provide coverage against the following.
Damages to the motorcycle caused by electrical/mechanical failure.
Loss damage to the motorcycle due to wear and tear.
Loss damage to the motorcycle due to rash riding/improper handling.
Loss damage to the motorcycle when riding without a valid driving licence.
Damages to the bike when riding under the influence of intoxicating substances.
Any add-ons which are not purchased.
An add-on is an individual cover, which is sold alongside the Comprehensive Bike Insurance Policy. The add-ons enhance the coverage benefits of the standard package policy. ACKO offers a host of add-ons for Hero Xtreme two-wheeler insurance. Below are the available add-ons for Hero Xtreme bikes.
Engine Protection Cover
Zero Depreciation Cover
Roadside Assistance Cover
Outstation Emergency Cover
Key Protect Cover
Personal Belongings - Damage/Theft
Below are the advantages of purchasing Hero Xtreme bike insurance from ACKO.
There is no pre-inspection when you buy a two-wheeler insurance policy from ACKO. Whether you are buying a new bike insurance policy or renewing an expired policy, ACKO does not inspect your two-wheeler before issuing the policy.
You can raise a bike insurance claim online via ACKO’s website/app. You will receive the claim settlement in a few hours if the damages are minor. If the damages are severe, ACKO’s two-wheeler insurance expert will connect with you to process the claim.
ACKO is a digital-first general insurance company, and there are no agents involved while purchasing the insurance policy. ACKO saves on the operational costs, and the savings are passed on to the customers.
Raising a bike insurance claim is easy at ACKO. Follow the below steps to file a bike insurance claim at ACKO.
Step 1: Access your ACKO profile via the website or app.
Step 2: Select the ‘Claim Now’ option against the insurance policy.
Step 3: Provide details about the damages and upload the necessary documents.
In case of minor damages, you will receive the settlement amount within a few hours. If the damages are extensive ACKO’s claim team will contact you to process the claim.
Below are the answers to some of the most commonly asked questions about Hero Xtreme bike insurance.
Buying two-wheeler insurance online is easy, and it only takes a few minutes. Visit the ACKO website/app and enter your vehicle details such as the make/model, year of purchase and city. You will get two-wheeler insurance quotes with the option to buy 1/2/3 year plans. Choose the insurance plan and add-ons, and make the payment online. That’s it, your bike insurance policy will be sent to your email address. There is no paperwork while purchasing bike insurance online from ACKO.
Buying at least a Third-party Bike Insurance Plan for your Hero Xtreme is mandatory to comply with the rules and regulations. Moreover, opting for a Comprehensive Bike Insurance Policy will ensure that you will be covered financially if your bike is damaged/destroyed or stolen. A bike insurance policy will provide financial and legal backup in case of an untoward incident.
Yes. You can renew bike insurance online by visiting the ACKO’s website/app. ACKO customers can simply visit the ACKO.com website or ACKO mobile app and log in to the account to renew the bike insurance policy. You need not submit any documents while renewing the bike insurance policy from ACKO. The two-wheeler insurance renewal process at ACKO is completely digital and there is no paperwork.
If you do not renew the bike insurance plan, the policy will no longer offer coverage to your bike. If the bike insurance policy is expired, the insurance company will not provide the coverage benefits mentioned in the policy. Moreover, it is an offence to ride your bike with an expired insurance plan. If you fail to renew the bike insurance policy within 90 days, then you may also lose the NCB (No Claim Bonus) accrued over the years.
Add-on is an individual cover sold alongside the Comprehensive Bike Insurance Plan. Add-on extends the coverage benefit of the Comprehensive Policy. By default, add-on is not included in the policy. You can opt for more than one add-on when buying/renewing the Comprehensive Bike Insurance Policy. Note that by opting for add-ons the bike insurance premium increases nominally. ACKO offers a host of add-ons for Hero Xtreme bike insurance. Click here for the list of add-ons for Hero Xtreme bikes.
A Third-party Bike Insurance Plan covers damage to third-party property/vehicle or life. The insurance plan does not cover damages to your own vehicle. Add-ons are individual covers to extend the Own Damage cover offered by the Comprehensive Bike Insurance Plan. So, you cannot opt for add-ons when buying a Third-party Bike Insurance Policy. Only Comprehensive Policy allows you to choose add-ons.
No. A Comprehensive Bike Insurance Policy does not cover aftermarket accessories. The insurance plan covers only accessories fitted by the manufacturer. However, you can intimate the insurer before fitting any accessories or modifying your two-wheeler, and request the insurer to cover such accessories in the insurance policy. Note that the insurance premium may increase by modifying or fitting accessories to your Hero Xtreme.
If you are raising a bike insurance claim offline, you need to submit the following documents:
Duly filled claim form
Insurance policy certificate
Vehicle registration certificate
Repair bill receipts (if any)
First Information Report or FIR (If required)
If you are applying for a claim online, you may have to upload the soft copies of the already mentioned documents. ACKO customers can simply log in to the account via ACKO website/app and file a claim online. You have to enter a few basic details about the vehicle damages and upload the pictures of your vehicle to raise a bike insurance claim with ACKO.
The benefit of making no claims against Hero Xtreme bike insurance is the No Claim Bonus (NCB) discount. If you have made zero claims during the tenure of the previous policy, the insurer will award you a discount on the premium while renewing the two-wheeler insurance plan. The discount may go up to 50% if you have made no claims for five consecutive years.
IDV is nothing but Insured Declared Value. IDV can also be defined as the maximum sum insured amount for your two-wheeler insurance policy. IDV is calculated depending on various factors such as make/model/age of the vehicle, current market value/ex-showroom price of the vehicle, etc. The insurer will pay you the IDV (minus depreciation) if your vehicle is stolen or damaged beyond repairs.
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