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Riding a KTM can be a fun-filled experience. However, riding any two-wheeler can also be a somewhat risky proposition. You might have total control over your KTM but can you be sure about other riders and drivers on the road? No! This is where there’s a need to be alert while riding a KTM bike and to opt for KTM bike insurance to avoid financial losses. A Comprehensive Two-wheeler Policy will help you meet legal requirements and offer insurance cover against unexpected damages.
Listed below are the prominent advantages of insuring your KTM two-wheeler via the online insurance mode.
One of the major hurdles faced by the offline mode of insuring vehicles is the tedious paperwork. This involves filling lengthy forms and attaching identity-related documents to those forms. In the online mode, there’s no need for such paperwork.
Online bike insurance cuts out the middlemen/agents. You have the power to directly purchase the bike insurance policy from the insurance company. For example, you can insure your KTM bike from ACKO’s website/app without paying agent commission.
You can purchase a bike insurance policy or renew it anytime. All you need is a device such as a smartphone/laptop with an active internet connection. For example, you can visit ACKO’s website, share bike details, and purchase a suitable insurance plan anytime by making an online payment.
Here are the two basic types of bike insurance plans for your KTM bike.
The Indian Motor Vehicles Act, 1988 requires you to insure your bike with this policy. Failing to do so can lead to penalties. This policy comes at a low cost and only covers liabilities towards injuries or damages to third-party people/property. It does not cover damages caused to your KTM bike.
As is evident by the name, this type of policy not only covers the law-mandated liability policy but also insures your KTM bike against damages and theft. With this plan, your KTM bike will be insured against damages caused by accidents, calamities, and other similar incidents.
Here’s what’s included in a Comprehensive KTM Two-wheeler Insurance Plan.
Compulsory Third-party Bike Insurance Policy.
Coverage against accidental damage to the insured two-wheeler.
Cover in case the insured bike is stolen.
Cover for the insured bike in case of damages due to calamities (natural and man-made).
Insurance coverage as per the selected add-on plans.
Coverage in case of theft.
Here’s what’s not covered in bike insurance. Note that you need to buy a Personal Accident Cover separately unless you already have it under another policy.
No insurance cover for an expired or invalid policy.
No insurance cover if traffic rules were violated.
No cover for riding without a valid and an active Driving License.
No cover for riding the bike under the influence of intoxicants such as alcohol.
No cover for consequential damages unless an add-on cover is purchased for it.
You can buy the following additional coverages to strengthen your KTM Comprehensive Two-wheeler Insurance Policy.
Zero Depreciation Add-on will help you to make the most of your claim as it does not consider depreciation while calculating the claim settlement amount.
Roadside Assistance Add-on will help you to avail emergency services in situations where your bike’s breaks down during the journey.
Key Protect Add-on will cover the cost of replacing the lost or damaged bike key.
Personal Belongings Damage/Theft Add-on will insure items kept in the KTM.
Outstation Emergency Cover will offer a fixed amount in a situation where the bike is stranded during an outstation journey.
Bike Engine Protect Add-on insures damages to the two-wheeler’s engine.
Consumables Cover to cover the cost of items like engine oil and lubricants used for bike repair.
Here are three reasons why you should pick ACKO as your bike insurer.
ACKO’s bike insurance policy can be purchased at a low premium without compromising on the extent of the coverage offered.
With ACKO, you do not have to fill endless forms and wait for claim settlement. Claims for minor damages happen instantly while major claims are also settled smoothly and quickly.
If you have any doubt regarding anything related to buying, renewing, or claiming bike insurance, reach out to our Customer Support team and they will help you resolve your concerns.
Settling claims with ACKO is super simple. Just follow these steps.
Step 1: Log in to your ACKO account
Step 2: Click on Claim Now and share claim-related details
Step 3: Receive instant claim settlement for minor damages and know the next steps for major claims.
Yes, 200cc bikes need to be insured in India as per The Motor Vehicles Act, 1988.
No, your bike cannot be insured for ten years flat. However, there are long-term policies available. For example, your KTM bike can be insured for three years with ACKO.
Add-ons need to be purchased based on individual requirements. For example, if you go on outstation road trips, then an Outstation Emergency Cover is a good buy.
No, riding an uninsured bike on public roads is a punishable offence.
Yes, you can do so while renewing your bike insurance plan.