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Two-wheeler insurance for your Honda is not just mandatory, but it also should provide financial protection in case of accidental damages to your vehicle. Here are the benefits of buying bike insurance for Honda bikes:
If you are found driving the bike without valid two-wheeler insurance, you will be fined by the police. Buying or renewing bike insurance is a lot faster and quicker with the advent of the digital environment. Just enter a few details of your bike and insure the vehicle within a few minutes and ensure that you do not pay unnecessary fines.
Accidental damage to your bike can cost you a lot of money. The Comprehensive Bike Insurance Plan for your bike will cover most of the repair bill. It also covers third-party losses.
By insuring your bike, you have the option to include add-on covers. An add-on is a small package to cover liabilities that are typically not covered in the basic comprehensive plan. You can include them to enhance the coverage for an added benefit.
Two-wheeler insurance is mainly of two types: Third-party Bike Insurance Plan and Comprehensive Bike Insurance Plan. Below are the coverage details of these plans:
The Third-party Bike Insurance Plan provides coverage against third-party losses arising due to injury or third-party property damage. This plan is mandatory as per the law and does not provide coverage for the insured vehicle.
The Comprehensive Bike Insurance Plan for your Honda bike includes both Third-party Insurance and Own Damage cover. The latter provides financial coverage against accidental damages to your vehicle as well as losses due to the theft of the bike/scooter. This plan also includes the option to buy add-on covers to enhance the coverage.
The below comparison table offers an overview of the coverage details of Comprehensive and Third-party Bike Insurance Plan:
|Coverage||Comprehensive Bike Insurance||Third-Party Bike Insurance|
|Third-party losses arising due to injury or damages to their property||Yes||Yes|
|Accidental damages to Honda bike||Yes||No|
|Damages/losses arising due to man-made calamities (riots, etc.)||Yes||No|
|Damages/losses arising due to natural calamities (floods, cyclones, etc.)||Yes||No|
|Theft of the insured bike||Yes||No|
|Personal Accident (PA) cover||No (But mandatory with either one of the plan)||No (But mandatory with either one of the plan)|
|Modify sum insured amount (Insured Declared Value) for the Honda bike||Yes||No|
Add-on covers are small coverage packages that enhance the basic comprehensive bike insurance plan. Mentioned below are the add-ons for the bike insurance:
Get coverage for personal belongings such as your helmet. In case the helmet was damaged in the accident, the add-on will cover the repair or the replacement cost of the helmet.
Damages to the engine due to water ingression or oil leakage are not covered under the basic comprehensive plan. The add-on will cover the cost to repair or replace engine parts that have been damaged.
The add-on will provide assistance during emergencies. Services include towing, fuel fill, minor repairs are part of the add-on.
Consumables items such as nuts and bolts, engine and gearbox oil, screws, etc. are covered under this add-on cover.
Two-wheeler insurance for your Honda bike is mandatory in India. Also, it provides the benefit of financial protection in case of accidental damage to your vehicle. Insuring your two-wheeler offers you peace of mind knowing that you are well-protected in case of potential financial losses. Read on to learn more about Honda bike insurance and the benefits of online two-wheeler insurance.
Mentioned below are the coverage details of the comprehensive Honda two-wheeler insurance plan:
Damages/losses to the Honda two-wheeler.
Damages/losses due to third-party life/property damage.
Damages/losses due to natural calamities (storms, floods).
Damages/losses due to man-made calamities (vandalism, riots).
Damages/losses due to a fire breakout or an explosion.
Total loss or theft of the insured two-wheeler.
You can consider buying the multi-year insurance policy (available in 2 and 3 years) for a discounted insurance premium. Also, you must buy the Personal Accident (PA) cover as it is mandatory. You can purchase the PA cover when you buy or renew the plan.
Two-wheeler insurance for your Honda bike does not cover the following circumstances:
Damages/losses while riding the insured vehicle without a valid Driving License (DL).
Damages/losses due to mechanical/electrical failure.
Damages/losses due to regular wear and tear.
Damages/losses arising from riding the bike under the influence of intoxicating substances.
Damages/losses to the insured bike due to reckless riding.
Damages/losses caused outside the specified geographical limits.
Mentioned below are the benefits of buying bike insurance from ACKO for your Honda bike:
You can buy and renew the Honda bike insurance policy online without any paperwork. Visit our website or the mobile app to process your request instantly. You need to enter a few details of the vehicle to insure the bike within a few minutes.
At ACKO, you can register a claim against your bike insurance policy online. You do not have to fill lengthy forms to raise a claim. Log in to your account through our website or mobile app, upload the pictures of the damage to raise a claim. For minor damage, we provide instant settlement through on-account transfer and for major damage, our claims team will help settle the claim.
ACKO is a 100% digital insurance company. Hence, you can buy or renew bike insurance or file a claim against the policy directly with us. There are no agents or middlemen, so you can directly shop with ACKO. This has led to the reduction in operating costs and the savings are passed on as low-cost two-wheeler insurance plans.
You can get all the information that you need to know about bike insurance for your Honda bike on our website and mobile app. For more assistance, you can talk to our insurance experts and they will help with the bike insurance for your Honda bike.
Take advantage of our discounts and offers for special occasions and festivals to enjoy a discounted bike insurance plan for your Honda.
Filing a two-wheeler insurance claim at ACKO is easy, and it takes only a few minutes. There is no documentation, and you do not need to fill lengthy forms. Follow the steps below to raise a bike insurance claim at ACKO:
Step 1 - Log on to the website ACKO.com or download the ACKO smartphone app.
Step 2 - Log in to your account via an OPT sent to your registered mobile number.
Step 3 - Click the ‘Claim’ option on your policy card.
Step 4 - Enter the details of the damage.
Step 5 - Upload the pictures of the damaged two-wheeler.
Step 6 - For minor damages, you will receive an instant on-account claim settlement.
Step 7 - In the case of severe damages, ACKO’s two-wheeler insurance expert will get in touch with you to process the claim.
Here are the frequently asked questions about Honda bike insurance:
You can visit our website www.acko.com or you can download the ACKO app to enter a few details of your vehicle to insure your Honda bike within minutes. You do not have to submit paperwork to buy or renew the policy, making the entire purchase or renewal journey simple and hassle-free.
Existing ACKO customers can log into their account through the website or ACKO app to access the account. Select the renewal option and renew the plan without any paperwork. If you are new to ACKO, just enter a few details of your Honda bike on the website or mobile app to renew the plan instantly.
Yes, the PA cover is mandatory and can be purchased while buying or renewing the bike insurance policy. The cover protects you against the risk of death or physical disability due to an accident. The Insurance Regulatory and Development Authority of India (IRDAI) has mandated that the PA cover should be bought along with the two-wheeler insurance with the coverage of Rs. 15 lakhs.
The comprehensive insurance plan for your Honda bike is not mandatory although it is the ideal insurance plan for your vehicle since it protects you against repair costs of the damage to your vehicle. While the Third-party Two-wheeler Insurance Policy is mandatory, it does not provide coverage for the insured vehicle. The comprehensive plan also offers the option to include add-ons to enhance the basic plan.
At ACKO you do not have to submit documents to insure your bike. Visit our website or app on your smartphone to enter a few details of the vehicle to insure it instantly. There is no paperwork required while buying motor insurance with ACKO.
An add-on cover is a small coverage plan that is bought along with the Comprehensive Bike Insurance Plan. The add-on enhances the plan to include coverages that are not offered under the basic comprehensive plan. You can refer to the above-mentioned section for more information.
For not filing any claims during the policy period, the insurance provider offers a discount which is known as the No Claim Bonus (NCB). It will be provided to you in the form of a discount on the renewal premium of the policy. The discount starts from 10% for the first year and then goes up to 50% if you do not register any claims for five consecutive years.
To file a claim against the ACKO bike insurance plan, you do not have to submit any documents. Just visit our website or app to answer a few details about the damage and upload the pictures for the same. For minor damages, ACKO offers instant claim settlement and for major damage, our claims team will guide you through the necessary steps.
Yes, bike insurance covers such damages. You can file a claim against the Comprehensive Two-wheeler Insurance Plan since it covers damage to the bike caused due to natural calamities.
Existing ACKO customers can visit our website or smartphone app to log in to their account and renew the plan online. Your bike may or may not be inspected before the policy can be renewed. During the period when the policy is inactive, you will not receive any coverage from the insurer. Also, No Claim Bonus earned is valid for a period of 90 days. It is important to renew the plan before it expires to avoid non-coverage of your vehicle.
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