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While buying a bike or thinking of it, people do not want to think of inauspicious things such as an accident or theft. However, such things do happen and bike insurance plays a huge role in helping you out if such things do happen to your bike. The right insurance policy bought from a reliable insurance company will help you avail timely services related to claim settlement. Read ahead to know about Honda XBlade bike insurance in India.
Here are some top benefits of purchasing Honda XBlade two-wheeler insurance from ACKO:
Nowadays, you do not have to wait endlessly to get your bike insured. ACKO offers an online insurance process that insures your Honda XBlade bike instantly. You just need to submit the bike details, pick an insurance plan, make the online payment, and your bike will be insured!
With no intermediaries/agents in the picture, you can purchase a two wheeler insurance policy from ACKO at an incredibly low cost.
Get guidance from insurance experts at ACKO for queries related to buying, renewing, and claiming insurance along with other insurance-related services.
In an unfortunate incident where your Honda XBlade bike gets damaged, you can simply file a claim by visiting www.acko.com. Then, the claims team will take over and work towards a smooth and faster claim settlement experience.
If you want to cover your bike with extensive coverage, Comprehensive Bike Insurance policy is the plan for you. However, if you want to lower your insurance expenditure, you can go for the basic Third-party Two-wheeler Insurance. The Motor Vehicles Act makes Third-party Insurance mandatory for Indian bikers.
Buying Comprehensive Insurance for your Honda XBlade bike enables better insurance protection by covering damage to accident, vandalism, theft, rioting, or natural calamities. It also includes third-party liability coverage. If you want more protection for your bike, you can also opt for several add-ons along with the Comprehensive Insurance Plan.
Comprehensive Bike insurance is best suited for all bikes, even more for expensive bikes like the XBlade. Here are the top inclusions of such a policy.
Personal Accident Cover chosen under Comprehensive Insurance covers permanent disability and death caused during a bike accident.
The policy offers coverage for the repair cost in case your bike meets with an accident.
The Comprehensive Bike Insurance Policy covers losses due to natural and man-made calamities like flood, earthquake, storm, riots, etc.
Damage or losses to your Honda XBlade due to fire and explosion are also covered by the Comprehensive Insurance Policy.
Along with the coverage of a bike insurance policy, you must also be aware of the policy's exclusions, things that shall not be covered. Here is a list of common exclusions of the Comprehensive Insurance Policy:
The consequential damages will not be considered for claim settlement.
Riding a bike without a valid driving license is a legal offence in India. Comprehensive insurance excludes the damages occurred while riding the Honda XBlade without a valid driving license.
Honda XBlade insurance excludes accidental damage of vehicles due to drunk driving or careless riding.
Losses after the expiry of the insurance policy shall not be covered.
The add-ons can be perceived as extra insurance covers for your Honda XBlade bike. You can opt from various add-ons to make your Comprehensive Plan even more beneficial. They are not that expensive. By paying a little bit extra premium, you can get specific advantages. Here is a list of prominent add-ons and their key features:
Zero Depreciation: With a Zero Depreciation Add-on, the majority of the bike’s depreciation amount will not be considered, and it will increase the claim amount. Personal Belongings Cover: Insure personal belongings such as your bike’s helmet with this add-on.
Engine Protection Cover: You can enhance the insurance cover for your Honda XBlade bike’s engine with the Engine Protection Add-on. This can come extremely handy if you reside in a flood-prone area.
Invoice Protection: Invoice Protection Add-on will ensure that you receive the invoice value of your Honda XBlade bike in case of a total loss. Without this add-on, your insurer will only pay you the Insured Declared Value of your bike.
Informing your insurer about the incident (damage/accident) at the earliest is of utmost importance. Once you raise a claim request, they will assist you throughout the rest of the process. Usually, here are the steps involved in the claim settlement process. Note that they vary from one insurer to another.
Inform the insurance company via their website, call or email. For example, log in to your account on www.acko.com and start the claim process.
In cases of theft or involvement of third-party liability, you need to file a First Information Report (FIR) at the nearest police station. If other documents are needed, the insurer will let you know.
After a successful claim registration, the insurance company may assign a surveyor to check the extent of the damage. Be honest and transparent with the surveyor. In some cases, On-account Claim Settlement (instant claim settlement) can also be done.
Mostly, you have the liberty to choose either a Cashless Claim or a Reimbursement Claim Procedure to receive the claim amount. In the former case, the repair bill is settled by the insurance company. In the latter case, you will have to pay the bill and get it reimbursed from the insurer.
Yes, having Third-party Insurance is mandatory for your bike as per The Motor Vehicles Act. If your policy has expired, you have to renew it to activate your bike insurance policy again. It helps you fulfil legal requirements.
No, you cannot buy add-ons with only a third-party insurance policy. If you want to buy add-ons, opt for Comprehensive Bike Insurance.
Yes, you can reduce your premium by installing an Anti-theft Device in your bike.
Yes, you can switch policies and insurers while renewing your bike insurance.
Honda X Blade mileage is said to be in the range of 40-50 kmpl. It is best to confirm this from the bike dealer.
You can get an insurance quote for Honda XBlade bike free of cost by visiting www.acko.com.