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Purchasing a two-wheeler insurance policy is important as it covers the repair expenses if your two-wheeler is damaged in an accident. Moreover, it is compulsory to have at least a third-party liability coverage for your two-wheeler. For premium commuter bikes such as the Honda CB Hornet 160R, insurance coverage is crucial as the repair expenses can be very high. Read on as this article will cover all the aspects of Honda CB Hornet 160R Bike Insurance.
Two-wheeler insurance is a must for Honda CB Hornet or any other two-wheeler. It is an offence to ride a two-wheeler without a valid insurance policy on Indian roads, and it can attract hefty penalties. Buying at least a third-party liability coverage is mandatory to comply with the Motor Vehicles Act. Below are the benefits of buying 2-wheeler insurance for Honda CB Hornet model:
Own Damage Cover: A Comprehensive Insurance Policy offers an Own Damage cover. The policy covers damages to your two-wheeler and injury/accidental death of the owner/rider. So, by buying a Comprehensive Bike Insurance Policy, you will have financial security in case of vehicle damages or injury to the rider.
Third-Party Liability Cover: A Comprehensive and Third-Party 2-Wheeler Insurance Policy offers mandatory third-party liability coverage. It means that the policy covers damages to third-party property or life. The insurance policy will cover financial and legal liabilities arising due to damage to the third-party.
Theft and Total Loss Cover: The Comprehensive Insurance Plan also covers total loss or theft of the insured two-wheeler. For instance, if your two-wheeler is damaged beyond repairs in an accident, then the insurer will pay-out the value (IDV) of the insured vehicle. The same coverage applies if the insured vehicle is stolen.
Add-on Cover: A Comprehensive Bike Insurance Plan also gives you the option to expand the coverage benefits through individual add-ons. You can enhance the scope of coverage by purchasing add-ons while buying/renewing the Comprehensive Bike Insurance Policy.
Honda CB Hornet Two-wheeler Insurance (Comprehensive) provides coverage against the following:
Loss/Damage to the motorcycle due to an accident.
Loss/Damage to third-party property or life.
Loss/Damage to the motorcycle due to natural disasters such as floods, earthquakes, cyclones, etc.
Loss/Damage to the motorcycle due to explosion or fire.
Loss/Damage to the motorcycle due to man-made calamities such as riots, etc.
Total loss or theft of the insured motorcycle.
The Honda CB Hornet Bike Insurance will not provide coverage for the following circumstances:
Loss/Damage to the motorcycle due to reckless/irresponsible riding.
Loss/Damage to the motorcycle due to improper handling.
Loss/Damage to the motorcycle due to natural wear and tear.
Loss/Damage to the motorcycle when riding without a valid driving licence.
Loss/Damage to the motorcycle due to mechanical or electrical failure.
Loss/Damage to the motorcycle when riding under the influence of alcohol/intoxicating substances.
Any add-on covers which are not purchased.
You can opt for two types of bike insurance plans for Honda CB Hornet: 3rd Party Bike Insurance and Comprehensive Bike Insurance. Below are the coverage details of both the insurance plans:
A Third-Party Bike Insurance Policy provides third-party liability coverage as it covers damage to third-party property or life. Buying at least a third-party cover for your two-wheeler is mandatory to comply with the rules and regulations. But a Third-Party Bike Insurance Plan does not offer an Own Damage Cover.
A Comprehensive Bike Insurance Policy offers both third-party liability and Own Damage cover. The insurance plan covers damages to your two-wheeler and also injury and accidental death of the owner/rider. Apart from that, the Comprehensive Insurance Plan covers theft or total loss of the insured two-wheeler. The insurance plan also allows you to enhance the scope of coverage via add-ons. Individual add-on covers can be purchased along with Comprehensive Two-wheeler Insurance Policy.
Below are the benefits of purchasing ACKO 2-Wheeler Insurance for your Honda CB Hornet bike
You can buy two-wheeler insurance online from ACKO, and there is no paperwork involved. Whether you are buying or renewing bike insurance, the entire process can be completed online, and the digital payment modes make the process even simple.
At ACKO, you also apply for a bike insurance claim online, and the claims for minor damages will be settled instantly. Claims for major damages will be settled in a few hours/days, depending on the severity of the damage.
ACKO’s website provides you with necessary information about 2-wheeler insurance to help you to buy/renew the insurance policy. Moreover, two-wheeler insurance experts will guide you in purchasing the right insurance policy and add-ons for your Honda Hornet bike.
You can compare different insurance plans and add-ons before making the purchase decision. ACKO suggests Honda CBR 160R bike insurance plans depending on the optimum value of the insured vehicle.
A Comprehensive 2-wheeler Insurance Policy allows you to purchase add-ons. Below are the available add-ons for Honda CB Hornet 160R bike insurance:
Roadside Assistance Cover
Engine Protection Cover
Zero Depreciation Cover
Personal Belonging Theft/Loss Cover
Outstation Emergency Cover
Follow the below steps to register a bike insurance claim at ACKO:
Step 1 - Visit the website www.acko.com or download the smartphone app.
Step 2 - Now, click the Claim Now button on your policy card.
Step 3 - Enter the details of the damage and upload the pictures of the damaged two-wheeler.
Step 4 - If the damages are minor, you will receive an instant claim settlement.
Step 5 - Minor damages will be repaired by ACKO’s expert mechanic at your desired location.
Step 6 - If the damages are major, after assessing the damaged vehicle, the estimated cost of repairs will be transferred to your account.
Below are the most commonly asked questions about Honda CB Hornet bike insurance:
It is mandatory to have a Third-Party Liability Coverage for your vehicle to comply with the Motor Vehicles Act. Moreover, Bike Insurance Policy provides coverage against legal and financial arising in case of any mishap.
Yes, online two-wheeler insurance is valid for most vehicles. Buying bike insurance online is convenient when compared to offline purchase as it saves you a lot of time. Also, you can compare different 2-wheeler insurance plans when purchasing online.
No, a Third-Party Insurance Policy will only cover damages to third-party property or life. The insurance plan will not provide coverage against damage to your two-wheeler.
No, purchasing a Comprehensive Bike Insurance Policy is optional. But you can consider buying the Comprehensive Insurance Plan as it provides better coverage when compared to a Third-Party Insurance Plan.
Add-on is an additional coverage plan offered along with the Comprehensive Bike Insurance Policy. You can buy individual add-ons for Comprehensive Policy to enhance the coverage benefits.
No, you cannot purchase add-ons for a third party two wheeler Insurance Policy as it does not offer an Own Damage cover. Only the Comprehensive Insurance Plan allows you to buy individual add-on covers.
No, the Comprehensive Insurance Plan does not cover any accessories which are not fitted by the manufacturer. However, you can intimate the insurer about the modification and request to cover the accessories in the insurance policy. But note that such modifications will increase the insurance premium.
Yes. If you have purchased a Comprehensive Insurance Policy for your motorcycle you can file a claim if the insured vehicle is stolen. You need to submit the required documents and proofs for the claim to be settled. Once the claim process is complete, the insurer will pay-out the Insured Declared Value of the vehicle.
If the bike insurance policy has lapsed, your two-wheeler will no longer be covered by the insurer. Also, you might lose out on benefits such as No Claim Bonus discount if you do not renew the policy in time.
Yes, you can avail the No Claim Bonus (NCB) discount while renewing the bike insurance policy. NCB is the discount offered by the insurer for making no claims during the tenure of the previous insurance policy. You can get up to 50% discount depending on the number of claim-free years.