Get your Kabira Mobility Electric bike insured in a simple and hassle-free way!
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Kabira Mobility offers several electric scooters and motorcycle options in India. The sporty appearance of Kabira Mobility bikes puts them in line with many conventional fuel bikes. However, an electric scooter or motorcycle also requires insurance like any other motor vehicle. This guide will help you understand the benefits and process of buying Kabira Mobility electric bike insurance online.
There are two kinds of insurance plans you can buy for Kabira Mobility electric motorcycles. The first one is mandatory Third-party Bike Insurance which offers liability coverage against third-party property damage, injury or death. The second one is Comprehensive Insurance which provides Third-party and Own Damage covers altogether.
The Comprehensive Kabira Mobility electric 2-wheeler insurance comes with extensive coverage against damages to your bike. You get financial protection from accidental damages, loss, theft, and even against damages that incur due to man-made/natural disasters.
Here is why you should buy Kabira Mobility bike insurance online.
When buying bike insurance online, you get the opportunity to compare multiple choices. It helps you shortlist plans that align with your best interests based on prices, benefits, features, coverages, etc.
The completion of policy buying takes not more than a few minutes online. In fact, you can purchase bike insurance right from your home without worrying about booking appointments.
The 24*7 availability of your digital insurer lets you track your policy online whenever required. You can even raise claims instantly using the online portal provided by your insurer.
Kabira Mobility two-wheeler insurance rates, coverages, and features depend on the policy type you choose. Below are the two main types of policy you can buy.
All motor vehicles must purchase at least a Third-party Bike Insurance Plan to legally ride in India. This policy offers financial protection in case of third-party property damage, injury or death due to an accident. However, you can’t protect your bike against any damage, loss or theft with this policy.
A Comprehensive Bike Insurance Plan is a combination of two kinds of coverages. It includes Own Damage or OD cover and Third-party Liability cover. Thus, along with third-party liabilities, your policy financially covers the bike against damages due to accidents, man-made or natural catastrophes, fires, explosions, etc. Plus, you get coverage if your bike gets stolen or completely damaged beyond repair.
Important: Along with your basic policy, you must purchase a PA (Personal Accident) cover separately. As a policyholder, this mandatory cover protects you financially in case of death or disability (temporary or permanent) caused by a bike accident.
Below are the situations usually covered under Comprehensive Kabira Mobility bike insurance.
Accidental injuries or death of third party
Damage to a third-party property
Loss or damage due to natural catastrophes like cyclones, earthquakes, floods, etc.
Loss or damage due to man-made catastrophes like riots, vandalism, etc.
Loss or damage caused by a fire or explosion
Electric bike getting stolen
Total loss or no possibility of repairing the damaged bike
Other coverages if you purchase any add-ons
Below are the exclusions in a Kabira Mobility two-wheeler insurance plan.
If damages are incurred as a result of illegal racing
If the rider was riding the bike after consuming an intoxicating substance
If the rider was riding the bike without valid documentation
Negligence towards traffic rules while riding
Damages that happen due to regular wear/tear over a period of time
Damages that happen due to mechanical/electrical failures
Damages that happen outside the geographical area covered in your policy
If your policy was inactive/expired when the damage incurred
Usually, the following add-ons are offered for Kabira Mobility electric bike insurance.
Outstation Emergency Cover
Roadside Assistance Cover
Key Protection Cover
Engine Protection Cover
Zero Depreciation Cover
Personal Accident Cover
Personal Belongings Cover - Damage/Theft
Note: The add-on covers mentioned above are subject to availability. Please confirm the availability of an add-on with your insurance provider before buying.
You should choose ACKO for bike insurance for the following reasons.
With ACKO’s digital infrastructure, you can obtain bike insurance plans directly without any middlemen. The digital platform also helps to reduce the operating costs causing the policy price to be highly affordable for you.
At ACKO, you can raise a claim on your bike insurance instantly via our website or mobile app. Our team ensures the same-day settlement of minor claims. However, complex damage claims may require more time.
There is no need to worry about physical paperwork when buying bike insurance from ACKO. We offer a digital and paperless experience of policy purchase. All you need is a few details of your bike and previous insurance to buy/renew a policy online.
To raise Kabira Mobility insurance claims, you can follow these simple steps.
Step 1: Access your account via ACKO’s mobile app or website.
Step 2: Locate the Kabira Mobility bike policy you have and click on ‘Claim’.
Step 3: Answer questions associated with your bike’s damage and upload images that support the claim. Then, just click on ‘Submit’ to raise your claim.
Once requested, the claim goes through a process of analysis by our professionals. Minor claims are usually settled within a day. However, complicated damages may need 3 working days or more to settle.
Yes, you can buy ACKO insurance for a second-hand Kabira Mobility bike as well.
No, add-on covers are not mandatory except for the Personal Accident (PA) cover. The PA cover is mandatory by law to protect the rider financially against accidental death or disability (temporary/permanent). Apart from that, you can choose which add-on you want to buy or not with your insurance.
You can use the bike insurance premium calculator at ACKO’s website to get the Kabira Mobility two-wheeler insurance quote.
Below is a list of the two-wheeler insurance for different Kabira Mobility bikes.
|Kabira Mobility KM 3000 Insurance||Kabira Mobility KM 4000 Insurance|
IRDAI Registration No: 157
Category: Non-Life Insurance
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