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Hero MotoCorp Bike Insurance

Hero MotoCorp Bike Insurance

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Insurance for your bike is not only essential, but it is a must in India. It is important to insure your Hero bike with extensive coverage. Buying two-wheeler insurance will help you adhere to the law as well as have financial protection by the insurer during unforeseen accidents or other losses. Read on to find out more about Hero Bike Insurance and the benefits of buying bike insurance online.

Importance of Buying Two wheeler Insurance for Hero Bikes:

Bikes and scooters form an essential part of the transport system in India. Insuring your vehicle is important to protect yourself against unforeseen financial liabilities. Here are the benefits of buying bike insurance for your Hero bike:

  • The cost of repair or replacement of parts due to an accident will be borne by the insurer, thereby recovering potential repair costs.

  • Third-party losses are covered under the Third-party component of the insurance.

  • Helps you adhere to the guidelines of The Motor Vehicles Act.

  • Option to include add-ons that add value to the basic plan.

What’s Covered in Hero Bike Insurance (Inclusions)?

Bike insurance for your Hero bike should be extensive and the Comprehensive Two-wheeler Insurance Plan provides third-party and Own Damage coverage. Mentioned below are the coverage details of the Comprehensive Bike Insurance Policy for your vehicle:

  • Coverage against third-party losses (life/property).

  • Damages to your bike/scooter due to accidents/fire.

  • Coverage in case the insured bike is stolen or in case of a total loss.

  • Losses/damages due to natural or man-made calamities such as floods, riots, etc.

Consider buying the multi-year bike insurance policy (two and three years) to avail a lower insurance premium for your vehicle. You also need to buy the Personal Accident (PA) cover, if you have not opted for it.

What’s Not Covered in Hero Bike Insurance (Exclusions)?

Similar to all insurance plans, two-wheeler insurance for Hero bikes also come with certain exclusions. Here is what is not covered under the Hero Bike Insurance:

  • Riding the vehicle with an invalid driving licence.

  • Riding the bike under the influence of intoxicating substances.

  • Regular wear and tear of the bike/scooter.

  • Losses/damages caused outside the specific geographical boundaries.

  • The breakdown is due to electrical/mechanical failure.

Benefits of Buying ACKO Bike Insurance for Your Hero Bike:

ACKO is a 100% digital insurance company which sells bike insurance policies online. The claim procedure is completely online, making it a paperless experience. Here are the benefits of ACKO bike insurance for Hero bikes:

Online Experience

Through the online method, you can buy, renew insurance policies as well as file a claim without the need to submit documents. It is completely paperless and hassle-free. Our website or mobile app helps you to transact online without the need for paperwork.

Low-Cost Bike Insurance Plans

ACKO is able to provide low-premium bike insurance policies since it does not depend on agents or middlemen. These savings have led us to design low-cost two-wheeler insurance plans.

Instant Claims Settlement

For minor damages such as dent on the fuel tank or a broken rear-view mirror, we offer instant claim settlement so that you can get it fixed at a garage of your choice.

Guidance From Insurance Professionals

Any queries about the buying or the renewal process or the questions about claims, our insurance professional will help you with the next steps to resolve your issues.

Discounts

We offer personalized discounts on festivals and special occasions so that you can buy insurance at a lower price without compromising the coverage.

Insurance Plans for Hero Bikes:

Bike insurance is classified into two types of insurance plans. Mentioned below are the details of the two-wheeler insurance plans:

Comprehensive Two-wheeler Insurance

The Comprehensive Bike Insurance Plan comes bundled with the mandatory Third-party Bike Insurance Plan. But the main benefit of the Comprehensive Insurance Plan is that it covers you against financial losses arising due to accidental damages or losses due to a fire, flood and/or other man-made or natural calamities. You also have the choice to opt for add-ons which increases the coverage of the basic plan.

Third-party Two-wheeler Insurance

The Third-party Bike Insurance Plan is mandatory as per The Motor Vehicles Act and covers you against third-party losses. While it does help you adhere to the law, it does not offer coverage against financial losses arising out of accidental damages to your vehicle. The Comprehensive Plan does include both the Third-party Cover and Own Damage.

The table below provides the differences between the Comprehensive Two-wheeler Insurance Plan and Third-party Two-wheeler Insurance Plan:

Inclusions (Coverage) Comprehensive Bike Insurance Third-Party Bike Insurance
Losses to third-party life or damages to third-party property Yes Yes
Accidental damages to your Hero bike Yes No
Damages due to man-made calamities (riots, etc.) Yes No
Damages due to natural calamities (floods, etc.) Yes No
Theft of the vehicle Yes No
Personal Accident (PA) cover for the policyholder (To be taken if not previously bought) No (Optional) No (Optional)
Add-ons (Optional) Yes No
Choose/modify sum insured (IDV) Yes No

Add-ons for Hero Bike Insurance:

To enhance the basic Comprehensive Insurance Plan, you can include add-ons which adds value to the plan. Mentioned below are the add-on covers available with the comprehensive plan:

Personal Belongings Protection (Damage/Theft)

The cost to repair or replace personal belongings left in the vehicle such as your helmet will be covered with this add-on based on the sum insured amount of the add-on.

Engine Protection

In case, water has entered the bike’s engine, the add-on will cover the cost to repair or replace engine parts or gearbox parts of the vehicle.

Roadside Assistance

Emergency towing, fuel fill, minor repairs or other roadside assistance are available with this type of add-on.

Consumables Cover

Engine oil, gearbox oil, lubricants, nuts and bolts, and such consumables items are covered under this add-on, which is not covered under the basic bike insurance plan.

Claim Procedure:

Registering a claim against your insurance policy is easy and simple by following the below-mentioned steps:

  • Step 1: Visit ACKO.com or the ACKO app to log in to your account with your mobile number.

  • Step 2: Select the plan against which you would like to file the claim.

  • Step 3: Answer a few details of the damages to your insured bike.

  • Step 4: Get instant claim settlement for minor damages For major damages, our insurance experts will guide you through the next steps.

Two-wheeler Insurance for Hero Bike Models:

Below are the bike insurances for Hero bike models being sold in India:

  • Hero Xtreme 160R

  • Hero Xpulse 200

  • Hero Passion Pro

  • Hero Splendor iSmart

  • Hero Glamour

  • Hero Splendor+

  • Hero HF Deluxe

  • Hero Super Splendor

  • Hero Destini 125

  • Hero Maestro Edge 125

  • Hero Maestro Edge 110

  • Hero Pleasure+

  • Hero Xpulse 200T

  • Hero Xtreme 200S

  • Hero Splendor+ Black Accent

Frequently Asked Questions:

Below are the answers to frequently asked questions about Hero bike insurance:

Commonly Asked Questions About Hero Bike Insurance

1. How to buy two-wheeler insurance for my Hero bike?

You can buy a bike insurance policy through our website or mobile app. You can also scroll up to the top of this page to compare plans and buy bike insurance online instantly. Enter a few details about your bike, choose the plan, pay the premium and get the policy through email.

2. What is ACKO’s procedure to renew two-wheeler insurance online?

For ACKO customers, you can visit the website or the mobile app to log in to your account and renew the policy online without any paperwork. For new customers, scroll up to the top of this page to enter a few details of your vehicle to renew the insurance for your bike instantly.

3. How to renew an expired bike insurance policy?

To renew an expired bike insurance policy, you can log in to your account through our website or ACKO app to initiate the renewal process. Our customer service team will guide you through the necessary steps. Your vehicle may be inspected before the policy can be renewed. Please note, the policy remains inactive if you do not renew it within the expiry date. Also, any NCB that you have earned will remain active for a period of 90 days.

4. Do add-ons add value to the basic Comprehensive Bike Insurance Plan?

There are several useful add-ons that you can choose from. However, you need to include only those which suit your requirements. For example, if you ride long distances and travel a lot, then you may consider including the bike roadside assistance add-on or if you can opt for the Personal Belongings Protection add-on which covers losses to your personal belongings left in the insured vehicle when the accident occurred, like your helmet. The add-on will cover the cost to repair or replace the helmet. Refer to the above-mentioned add-ons for more details.

5. What documents are required to file a claim for ACKO bike insurance?

To register a claim against the ACKO bike insurance, you need not submit any physical documents. File the claim online through our website or app, and our claims team will help you with the next steps. For minor claims, ACKO offers ‘Instant Claims’ where the claim settlement amount will be paid directly to your account, and you can get the bike repaired at a garage of your choice.

6. What is the meaning of Insured Declared Value (IDV) and how does it affect the pricing of the bike insurance policy?

The Insured Declared Value (IDV) is the sum insured amount declared in the policy. In case your bike is stolen or totally damaged, the insurer will pay the IDV after considering the depreciation. It is the approximate market value of the bike, hence you need to choose the right IDV while buying the policy so that you get the right compensation during claims.

7. How long does it take to insure my Hero bike online?

Through ACKO you can renew your bike insurance online within a few minutes. ACKO is a digital-first company which offers a 100% digital environment. Enter a few details of your bike through our website or ACKO app to insure your vehicle almost instantly.

8. Is it mandatory to buy a Comprehensive Bike Insurance Policy?

The Comprehensive Two-wheeler Insurance Policy is not mandatory; however, to stay protected against financial losses arising due to accidents or theft of your bike, the comprehensive plan not only protects against such losses, but it also includes the Third-party Bike Insurance which protects you against third-party losses. You can also buy add-ons to increase the coverage of the basic plan.

9. How is ACKO able to offer low-cost bike insurance plans?

ACKO is a digital insurance company offering paperless two-wheeler insurance and sells bike insurance directly to the customer. We do not depend on agents, hence, the savings are passed on as low-cost insurance plans. Also, since it is a digital environment, our operating costs have been reduced. All these savings have led us to design low-premium bike insurance plans for different types of bikes, scooters and four-wheelers.

10. Is inspection mandatory to renew bike insurance?

If you renew the policy within the expiry date, then inspection is not required. However, if the policy has expired, then your bike may be inspected before the plan can be renewed.

About Two-wheeler Insurance for Hero Bikes

Hero MotoCorp has always designed two-wheelers which are fuel-efficient, affordable and are easy to ride in city traffic conditions. They are economical and built for durability. The company offers different types of bikes and scooters to cater to different segments. From the popular Hero Splendor to the premium Hero Xtreme 200S or the off-road bike Hero Xpulse, Hero MotoCorp has ensured there is a bike for various needs.

Bikes or scooters, they need to be protected with an insurance policy. This will enable you to stay financially protected against any unforeseen repair costs arising due to accidents, theft, natural/man-made calamities such as floods, riots, etc. 

The bike insurance also helps you adhere to the law by including the Third-party Bike Insurance along with the Own Damage cover. This type of insurance is known as Comprehensive Insurance Plan. The comprehensive plan is an ideal insurance plan to protect yourself against financial liabilities. It also has the option to include add-ons, which enhances the basic plan. It is important to insure your Hero bike to stay away from unwanted financial losses.

Why Should You Buy a Hero Bike?

Hero MotoCorp is known to introduce two-wheelers which offer value for your money. Whether it is a bike or a scooter, they offer good mileage, comfort, features and are available at an affordable price. You can choose the Hero Splendor if you are looking for a bike which offers good fuel-efficiency, or you can choose the Hero Xtreme 200S, a sporty bike with a powerful engine, or you can choose the Hero Xpulse, which is excellent for off-road biking.

Whether you are choosing any of the above Hero bikes, the company ensures it produces two-wheelers which are commuter-friendly and is accessible to both urban and rural populations. If you are looking for an affordable, fuel-efficient and easy to maintain bike, you should consider buying any of the Hero bikes currently available in the market.

Hero Xtreme 160R Specifications

Engine (cc) 163 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 15 @ 8500rpm
Torque (Nm) 14 @ 6500rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS Single-Channel
Fuel Tank Capacity (litres) 12
Colours Sports Red, Pearl Silver White, Vibrant Blue, 100 Million Limited Edition

Hero Xpulse 200 Specifications

Engine (cc) 199.6 Single-Cylinder OHC
Fuel Type Petrol
Power (bhp) 17.8 @ 8500rpm
Torque (Nm) 16.45 @ 6500rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS Single-Channel (Front)
Ground Clearance 220 mm
Colours White, Matte Green, Matte Grey, Sports Red, Panther Black

Hero Passion Pro Specifications

Engine (cc) 113 Single-Cylinder (Air-cooled)
Fuel Type Petrol
Power (kW) 6.73 @ 7500rpm
Torque (Nm) 9.89 @ 5500rpm
Gearbox 4-Speed
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 10
Colours Glaze Black, Sports Red, Moon Yellow, Heavy Grey Metallic, Techno Blue

Hero Splendor iSmart Specifications

Engine (cc) 113.2 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 9 @ 7500rpm
Torque (Nm) 9.89 @ 5500rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 9.5
Colours Blue, Red, Grey

Hero Glamour Specifications

Engine (cc) 124.7 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 10.73 @ 7500rpm
Torque (Nm) 10.6 @ 6000rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 10
Colours 100 Million Edition, Sports Red, Radiant Red, Midnight Black, Techno Blue

Hero Splendor+ Specifications

Engine (cc) 97.2 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 7.91 @ 8000rpm
Torque (Nm) 8.05 @ 6000rpm
Gearbox 4-Speed
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 9.8
Colours Black with Silver, Black with Purple, Black with Sports Red, Heavy Grey with Green

Hero HF Deluxe Specifications

Engine (cc) 97.2 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 7.91 @ 8000rpm
Torque (Nm) 8.05 @ 6000rpm
Gearbox 4-Speed
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 9.6
Colours Techno Blue, Heavy Grey with Green, Heavy Grey with Black, Black with Purple, Black with Red

Hero Super Splendor Specifications

Engine (cc) 124.7 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 10.72 @ 7500rpm
Torque (Nm) 10.6 @ 6000rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 12
Colours Nexus Blue, Glaze Black, Candy Blazing Red, Heavy Grey

Hero Xtreme 200S Specifications

Engine (cc) 199.6 Single-Cylinder (Oil-Cooled)
Fuel Type Petrol
Power (bhp) 17.84 @ 8500rpm
Torque (Nm) 16.45 @ 6500rpm
Gearbox 5-Speed
Fuel System Fuel Injection (FI)
ABS Single-Channel
Fuel Tank Capacity (litres) 12.8
Colours Sports Red, Panther Black, Pearl Silver White

Hero Destini 125 Specifications

Engine (cc) 124.6 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 9 @ 7000rpm
Torque (Nm) 10.4 @ 55000rpm
Gearbox CVT
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 5
Colours Limited Edition, Panther Black, Chestnut Brown, Pearl Silver White, Matte Grey Silver, Noble Red, Candy Blazing Red

Hero Maestro Edge 125 Specifications

Engine (cc) 124.6 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 9 @ 7000rpm
Torque (Nm) 10.4 @ 5500rpm
Gearbox CVT
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 5
Colours Panther Black, Stealth Black, Matte Red, Pearl Fadeless White, Matte Vernier Grey, Matte Brown, Matte Techno Blue, Prismatic Purple.

Hero Maestro Edge 110 Specifications

Engine (cc) 110.9 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 8.04 @ 7250rpm
Torque (Nm) 8.7 @ 5750rpm
Gearbox CVT
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 5
Colours Midnight Blue ZX, Limited Edition, Seal Silver ZX, Pearl Fadeless White, Candy Blazing Red, Panther Black, Techno Blue

Hero Pleasure+ Specifications

Engine (cc) 110.9 Single-Cylinder (Air-Cooled)
Fuel Type Petrol
Power (bhp) 8 @ 7000rpm
Torque (Nm) 8.7 @ 5500rpm
Gearbox CVT
Fuel System Fuel Injection (FI)
ABS NA
Fuel Tank Capacity (litres) 4.8
Colours Pole Star Blue, Matte Black, Pearl Silver White, Sporty Red, Matte Vernier Grey, Midnight Black, Matte Green, Matte Metallic Red.

Variants and Ex-Showroom Price of Hero MotoCorp Bikes:

Hero MotoCorp ensures it prices its vehicle in the affordable range. Mentioned below are different Hero bikes with their ex-showroom price:

Variants/Models of Hero MotoCorp Engine Capacity (CC) Ex-Showroom Price (Lakhs)*
Hero Destini 125 (Sheet Metal Wheels) 125 Rs. 66,960
Hero Destini 125 (Alloy Wheels) 125 Rs. 70,450
Hero Glamour BS6 (Drum Brake) 125 Rs. 71,900
Hero Glamour BS6 (Disc Brake) 125 Rs. 75,400
Hero Glamour Blaze (Drum Brake) 125 Rs. 73,100
Hero Glamour Blaze (Disc Brake) 125 Rs. 76,600
Hero HF Deluxe (Drum Brake Alloy Wheels) 97.2 Rs. 51,200
Hero HF Deluxe (Drum Brake Spoke Wheels) 97.2 Rs. 50,200
Hero HF Deluxe (Drum Brake Alloy Wheels) Self Start 97.2 Rs. 59,900
Hero HF Deluxe (Drum Brake Alloy Wheels) i3s 97.2 Rs. 61,225
Hero HF Deluxe (Drum Brake Alloy Wheels) All Black 97.2 Rs. 60,025
Hero Maestro Edge 110 (Drum Brake Alloy Wheels) 110 Rs. 61,950
Hero Maestro Edge 110 (Alloy Wheels) ZX 110 Rs. 63,450
Hero Maestro Edge 125 (Drum Brake Alloy Wheels) 125 Rs. 69,250
Hero Maestro Edge 125 (Disc Brake Alloy Wheels) 125 Rs. 71,450
Hero Maestro Edge 110 (Drum Brake Alloy Wheels) Stealth 125 Rs. 72,950
Hero Passion Pro (Drum Brake Alloy Wheels) 113 Rs. 67,400
Hero Passion Pro (Disc Brake Alloy Wheels) 113 Rs. 69,600
Hero Pleasure+ (Drum Brake Sheet Metal Wheels) 110.9 Rs. 57,300
Hero Pleasure+ (Drum Brake Alloy Wheels) 110.9 Rs. 59,950
Hero Pleasure+ (Drum Brake Alloy Wheels) Platinum 110.9 Rs. 61,950
Hero Splendor iSmart (Drum Brake) 113 Rs. 66,500
Hero Splendor iSmart (Disc Brake) 113 Rs. 68,700
Hero Splendor+ Black and Accent 113 Rs. 65,295
Hero Super Splendor BS6 (Drum Brake) 125 Rs. 69,900
Hero Super Splendor BS6 (Disc Brake) 125 Rs. 73,400
Hero Xpulse 200 200 Rs. 1,15,230
Hero Xtreme 160R (Single Disc) 163 Rs. 1,03,900
Hero Xtreme 160R (Double Disc) 163 Rs. 1,06,950
Hero Xtreme 200S 200 Rs. 1,17,214

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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