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Indian Chief Dark Horse is a premium cruiser bike, with a modern touch. It draws attention to itself with its machined cast wheel, exposed rear shocks and sleek black body. If you own this bike, riding it can instil a sense of pride. Nonetheless, as per Indian road laws, it is mandatory to possess bike insurance to ride on the roads. Thus, you may need to buy one before riding it. Read ahead to know more about Indian Chief Dark Horse bike insurance.
If you are looking to buy bike insurance for your Indian Chief Dark Horse, we recommend that you buy it online. Here’s why.
Buying bike insurance offline is an extremely time-consuming process and will take at least a few weeks to complete. Conversely, all the functions of online bike insurance like buying, renewing, raising claims, etc, can be done within a few minutes, with just a few clicks.
Since several bike insurers have taken their products online, there are a lot of options to choose from. There are several plans that you can compare based on their cost-to-benefit ratio. That way, you can choose an optimal plan that fits your requirements.
Nowadays, all product and service providers have social media pages where their customers share their reviews and complaints. Thus, you can go through the social media handle of the insurer you are interested in and crosscheck their reliability as a bike insurer.
As of now, there are two bike insurance plans obtainable for Indian Chief Dark Horse. We will discuss both below.
A Third-party Bike Insurance Plan is the most basic insurance offered for bikes. As per The Motor Vehicles Act of 1988, all bike owners ought to possess one. And not being in possession of one is a punishable offence. A Third-party Insurance Plan offers financial compensation for accident induced injury/death or property damage to a third party. However, it does not offer any financial protection against damages to the insured bike.
As can be inferred by the name, a Comprehensive Insurance Plan, offers more extensive coverage than the previously discussed plan. It provides an Own Damage Bike Insurance (OD) cover, as well as the coverage mentioned in the previous plan. OD cover includes coverage for accidental damage, theft and damage caused by natural and manmade calamities. Also, you can extend the coverage of this plan by buying add-ons.
Under Comprehensive Bike Insurance for Indian Chief Dark Horse, you can expect to receive the benefits of the following inclusions.
Injury, death or property damage suffered by a third party
Damages that are consequent of natural catastrophes like earthquakes, floods, cyclones, etc.
Damages that are consequent of man-made catastrophes like explosions, riots, vandalism, etc.
In the event of theft of the insured bike
Damages occurring to the bike that are irreparable
There may be more inclusions if add-ons are opted for
Note: A Personal Accident cover is a legal necessity for bike owners. Nonetheless, it is not available under Comprehensive Bike Insurance. It offers a specified sum in the event of disability or death to the insured.
Under Comprehensive Bike Insurance for Indian Chief Dark Horse, you may be subject to the following exclusions.
Damages that transpire while engaging in illegal racing competitions
Riding under the influence of critical thinking inhibiting substances
Driving without the possession of legally mandated documents
Not acknowledging traffic rules while riding
Damages that are an effect of mechanical or electrical defects in the insured bike
Damages that are an end result of the regular wear and tear of bike components
Damages that come to pass outside the designated geographical areas covered by the plan
Usually, you can avail the below-mentioned add-ons under Comprehensive Bike Insurance for Indian Chief Dark Horse.
Zero Depreciation Cover
Personal Accident Cover
Roadside Assistance Cover
Bike Engine Protection Cover
Key Protection Cover
Outstation Emergency Cover
Personal Belongings Cover - Damage/Theft Cover
Note: The add-ons listed above are subject to availability.
If you are looking for a bike insurance provider, look no further! ACKO offers amazing plans at reasonable rates. Below are some ways you can benefit from buying ACKO bike insurance.
ACKO’s bike insurance plans are very affordable. This is made possible because ACKO is an online insurance provider and thus, does not require intermediaries to sell products. The consequent costs saved enable ACKO to offer cost-effective plans.
We know that time is your most valuable asset. Thus, we try to settle bike insurance claims without any delay. Claims raised for minor damages to the insured bike are usually settled within a few hours. Nevertheless, more impactful damages may take a little more time.
If you are buying bike insurance for the first time from an insurer, you will be expected to undergo a pre-inspection. And insurance will be provided only after a surveyor checks and approves your bike. Under ACKO bike insurance, there is no such pre-inspection.
Below are the three simple steps you need to follow to raise a claim under ACKO bike insurance.
Step 1: Open the ACKO website on your desktop browser or download and open the ACKO mobile app. After that, log in to your personal account.
Step 2: Find your bike’s policy card and click “Claim Now”.
Step 3: Answer the questions that come up on your screen relating to the damages and upload pictures of the same. Then click “Submit”.
Note: After submitting your claim, our claims team will get in touch with you for the next steps.
The cost of Indian Chief Dark Horse bike insurance will differ depending on the type of plan you choose. The price is also dependent on other factors like the car’s age, make/model, IDV value selected, etc. Nonetheless, you can check the insurance premium payable for your bike on the ACKO website.
The least priced plan available is Third-party Bike Insurance. However, it covers only injuries, death or property damage occurring to a third party. It does not cover damages occurring to your bike. Hence, we recommend you buy Comprehensive Bike Insurance. It will offer you both the coverages. Also, you can buy add-ons to extend its coverage.
Online bike insurance is more cost-effective, faster and convenient than the offline alternative.Also, since there are a host of bike insurance plans available online, you can compare bike insurance plans. This will help you select a plan that adequately fits your budget and needs.