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Honda Dio is a modern-looking scooter that is known for its performance and long life. It is easy to find spare parts of the scooter in case of damage, as Dio is manufactured in the country. The Honda Dio bike insurance policy can have major components like Own Damage and Third-party liability coverage to get the most out of the plan.
Take a look at the following benefits of buying your Honda Dio insurance policy online.
Buying bike insurance online is way more convenient as compared to buying the same policy through an agent. You can insure the bike from any internet-enabled device like your phone or a laptop. Simply create a profile on ACKO, select the insurance plan, and buy the policy. As simple as 1,2,3!
Offline or manual insurance requires a lot of paperwork. There is an application made, document submission, approval, and finally, the policy document that is sent through the post. The process is so paper-heavy that most of the time you need an agent just to understand the paperwork. This is completely eliminated when you buy bike insurance online.
Imagine comparing bike insurance brochures side by side and looking for the plus points of each plan. It will take a lot of time. Now imagine comparing bike insurance plans within a few clicks and viewing the distinct features of each plan. Sounds simple? It is possible with online bike insurance.
Following are the main types of the bike insurance plan for your Honda Dio.
Events like third-party injuries/death or property damage are covered under this plan. The insurance company will also help you with any legal requirements that may arise out of an accident. While it provides all the insurance coverage required for third-party liabilities, it does not cover you against any damages to your bike.
Along with third-party liabilities, the comprehensive plan covers you for multiple liabilities related to your Honda Dio. Situations like floods, vandalism, fire, theft, and accidents are covered under this extensive plan and can be extended with more coverage. For example, Roadside Assistance, Zero Depreciation, Engine Protect, etc.
The following are the general inclusions of a Comprehensive bike insurance policy for Honda Dio.
Theft of the insured bike
Fire or explosions
Damage from a natural or man-made calamity
Total loss, i.e. a bike damaged beyond repair
Coverage as per add-ons
Mandatory Personal Accident Cover (to be purchased separately with Comprehensive insurance policy)
The following are the general exclusions of a Comprehensive bike insurance policy for Honda Dio.
Damage when the insurance policy was not active
Using the bike for an illegal activity
Damage due to not abiding by the traffic rules
Riding the bike in an intoxicated state
Damage outside the geographical limit stated in the policy
Add-ons are small, optional coverages that can be bought to extend the scope of your bike insurance policy. Following add-ons are usually available at ACKO.
Personal Belongings - Damage/Theft
Roadside Assistance Cover
Outstation Emergency Cover
Bike Engine Protect
Take a look at the following benefits of buying your Honda Dio insurance policy from ACKO.
There are two major reasons why buying bike insurance from ACKO will be light on your pocket as compared to others. The operational costs, for example, having multiple branch offices, is reduced because ACKO is a digital-first insurance company. Secondly, ACKO does not have to pay agent commissions. These reasons create discounts which are passed on to you.
ACKO can settle minor claims instantly and send the claim amount to your bank account within a few hours. This reduces the hassle of a normal claim process where the insurance company asks a number of questions or carries out an investigation and settles the claim after many days.
ACKO does not inspect the bike when you wish to buy or renew the insurance policy. This speeds up the purchase, and you can get your Honda Dio insured within a few seconds.
Raising a claim is a very simple and hassle-free process at ACKO. Simply make sure that you have downloaded the ACKO app on your mobile phone. You can also raise a claim from www.acko.com. The following steps will help you submit a claim.
Step 1: Log in to your ACKO profile with your registered mobile number
Step 2: Find your bike details and click “Claim Now”
Step 3: Upload necessary information and the team will get in touch for more details.
As mentioned above, ACKO will instantly settle a minor claim and get in touch with you to understand more details if the damages are major.
Here are some of the most asked questions about the Honda Dio bike insurance policy. Feel free to get in touch with ACKO in case of more queries by sending an email to [email protected]
No, the claim process is not paperless. However, no physical/hard copies are needed to raise a claim. You can log in to your ACKO profile and submit scanned copies of required documents.
Unfortunately, no, claiming against an expired policy is not allowed because you are covered with insurance for only a fixed number of days as per the plan you purchase.
Opting for a Comprehensive cover is more fruitful because you get more features in your bike insurance policy. The basic Third-party bike insurance plan does not cover damages to your bike. Those are covered in a Comprehensive policy. Thus, the benefits of the Comprehensive bike insurance plan outway its cost.