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Moto Guzzi Bike Insurance

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Moto Guzzi Bike Insurance

Bike Insurance for Moto Guzzi Bikes

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Bike insurance is crucial for all types of bikes. Its importance is heightened in the case of Moto Guzzi bikes. They are priced around INR 20 lakhs. This makes them an expensive asset. And the need for insurance is more in case of expensive assets. You must buy Moto Guzzi bike insurance not just because it is compulsory in India. But also because it will help you in case the bike gets damaged and you need to repair it.

The cost of replacing the spare parts of a 20-lakh bike is going to be on the higher side. But with the right insurance policy, you do not have to worry about repair expenses. Read this article to get to know the right kind of insurance policy for your Moto Guzzi two-wheeler.

Importance of buying Two-wheeler insurance for Moto Guzzi Bikes:

Here’s a list of top benefits of purchasing and renewing insurance online.

1) Follow the law

As insurance is compulsory, you can avoid fines by insuring your bike.

2) Avoid Liabilities

In case your bike causes damage to a third party, the insurance policy will take care of it.

3) Save Money

Bike repairs can be costly, especially for high-end sports bikes and touring bikes. An insurance policy will help you out with bike repairs in case of accidental damage.

What’s Covered in Moto Guzzi Bike Insurance (Inclusions):

Comprehensive Two-wheeler insurance is best suited for high-end bikes, such as those manufactured under the Moto Guzzi brand. Here are the inclusions of such a policy. They are the instances where the policyholder can raise a claim. Note that the list mentioned below is a generic one. The exact inclusions list can be checked by going through the respective Policy Wordings.

  • A cover to insure the owner/driver against Third-party Liabilities.

  • A cover to insure the owner/driver against permanent disabilities and death due to a bike accident.

  • A cover to insure against damages caused to the Moto Guzzi because of fire.

  • A cover to insure against damages caused to the Moto Guzzi because of vandalism and other manmade calamities.

  • A cover to insure against damages caused to the Moto Guzzi because of flash floods and other natural calamities.

  • A cover for the theft of a Moto Guzzi bike.

What’s Not Covered in Moto Guzzi Bike Insurance (Exclusions):

Along with the coverage of a bike insurance policy, you must also be aware of what is not covered. Such points are known as policy exclusions. These are scenarios where the insurer will not be able to settle claims. Just like the list of inclusions, the list of exclusions is also mentioned in the Policy Wordings. Here’s a generic list.

  • No insurance cover where the owner/rider rides without an active Driving License.

  • No insurance cover where the owner/rider rides without an active insurance policy.

  • No insurance cover where the loss is due to Consequential Damages.

  • No insurance cover where the owner/rider rides in an intoxicated state.

  • No insurance cover when the terms and conditions of the policy are not adhered to.

Benefits of Purchasing Acko Two-Wheeler Insurance Policy for your Moto Guzzi Two-wheeler:

Moto Guzzi bikes stand for speed, convenience, and value for money in terms of performance and riding quality. The same attributes of speed, convenience, and value for money can be associated with a Comprehensive Two-wheeler plan from Acko. Here’s a detailed explanation of it and the benefits of opting for bike insurance online.

1) Speed

You can insure your Moto Guzzi bike in a matter of minutes by visiting www.acko.com. There’s no need for tiring paperwork for form-filling and documentation. Not just that, the claim settlement is also very breezy.

2) Convenience

With Acko, you can insure your bike as per your preferred time. All information is presented to you in a simplified manner to enable you to make an informed decision without the need for an agent or a middleman. In case you need help, there’s customer support available.

3) Value for Money

You can purchase Moto Guzzi Bike insurance from Acko at an affordable price. Acko offers low premiums without cutting down the coverage. Being a digital-first insurer, the brand’s operational cost is less. No middlemen mean no commissions. Such cost advantages lead to incredibly low-priced policies.

Insurance Plans for Moto Guzzi Bikes:

You can insure your bike with either a minimalistic policy or an all-round one. Both options are available while shopping for an insurance policy online. Here’s a brief explanation about the two types of policies.

Basic Plan

A basic plan offers a Third-party Cover. This means that the insurer will cover your expenses against liabilities arising due to third-party injury or third-party property damage. Such a cover insures the owner/rider against permanent disabilities and death arising due to a bike accident.

All-round Plan

A Comprehensive policy is ideal for bikes from brands like Moto Guzzi. They offer a distinct advantage over the basic plan. They offer the ‘Own Damage’ cover. Plus, the coverages offered in the basic plan are included. Also, you get the option to choose add-ons. Such an option is not available with the base plan.

Add-ons for Moto Guzzi Bike Insurance:

You can choose add-ons to make your Comprehensive Plan even more beneficial. The add-ons can be perceived as extra insurance covers. They are not that expensive and offer a specific advantage. They can either be service-based or claim-based.

A service-based add-on will offer a specific service for the premium charged. For example, Roadside Assistance. A claim-based add-on will help to get a higher pay-out while settling claims. For example, Zero Depreciation. Here’s a list of prominent add-ons and their key features.

1) Pillion Rider Cover

A must for those who always have a pillion rider with them. It offers accident coverage to your riding companion.

2) Zero Depreciation

Won’t it be great if you could get a higher claim amount by not calculating the depreciation of bike parts? This add-on exactly does that.

3) Invoice Protection

A situation where the bike is stolen or damaged beyond repair is scary. With this add-on, the insurer will offer you the bikes invoice value for such events.

4) Engine Cover

Most policies exclude damages to the engine. This add-on offers a cover to protect the heart of your bike.

5) Roadside Assistance

Towing assistance on an unfamiliar road can prove helpful. This is a service-based add-on for two-wheelers.

Claim Process:

Nowadays, the claim process is also simplified and can be performed online. You can also track the claim status and get frequent updates. The exact process will be different across companies. But here’s a generic process for your understanding.

Step 1: Get in touch with your insurer. This can be done via the website or the app if such facilities are available. Or you can call or email the insurer.

Step 2: Share details about the accident. Submit supporting documents if needed. For example, the First Information Report filed at the police station as instructed by the insurer.

Step 3: The company might appoint a claims supervisor. Coordinate with the supervisor.

Step 4: Raise a Cashless or a Reimbursement Claim.

Step 5: Close the claim from your end as per the chosen method.

Frequently Asked Questions:

Here’s a section dedicated to common questions and answers about Moto Guzzi bike insurance.

Q1) My friend and I purchased the same Moto Guzzi bike model from the same dealership on the same day. But his premium is lower and mine is higher. How?

Even though two bikes are purchased from the same dealership on the same day, the premium paid for them can vary as per the chosen coverage. Maybe your premium is higher because you have chosen more add-ons in your policy than your friend.

Q2) I am purchasing a second-hand Moto Guzzi. Should I transfer the previous insurance policy in my name?

Yes, you can do that. Note that whether you transfer the policy or buy a new one, insuring the bike is compulsory.

Q3) Is there a monetary penalty if I ride my bike without an active two-wheeler policy?

Yes, if a police officer asks for your bike’s two-wheeler policy and you do not have an active one, you can be charged with a monetary penalty.

Q4) Can I buy only the ‘Own Damage’ cover and skip the third-party part. I am a safe rider and will not hurt third parties.

No, purchasing an Own Damage cover without the third-party coverage is not acceptable. You need the third-party coverage in one form or the other.

Q5) Is it okay if I buy a third-party plan but while renewing, I upgrade to an all-round one?

Yes, you have the option to switch to comprehensive coverage while renewing your policy.

Q6) Is it legal to buy insurance from the bike dealer?

You can buy insurance from an authorised dealer. However, make an informed choice regarding this by researching well.

Q7) Am I eligible to raise a third-party and an own damage claim or only one is allowed with a Comprehensive Bike Insurance Policy?

You can raise both kinds of claims. And they can be raised in the same policy period as per the terms and conditions.

Q8) Will the policy purchased from a bike dealer in Gujarat be applicable if I move to Assam?

Yes, policies issued in India are applicable all over the country.

Q9) Is it possible to renew a plan without inspection post expiry?

Bike inspection is carried out based on the insurer’s discretion. If the gap is not a big one then the insurer might decide against inspection and renew the plan without it.

Q10) I like the Engine Cover and Invoice Protection add-on. Can I include both in the policy?

Yes, you can include two add-ons in a Comprehensive Plan. Note that including add-ons is not permissible in a Third-party Liability Bike Insurance Policy.

About Two-wheeler Insurance for Moto Guzzi Bike:

It is said that hope for the best but plan for the worst. Your riding skills might be top-notch. You might be a safe rider. But can you confidently say that the other riders and drivers might be good at driving, focus on the road, and are immune to accidents? That is tough to say.

Moto Guzzi bikes are a stylish lot. They are priced at an amount that is higher than usual. As a result, repairing its damages is also expensive. This is where insurance for your Moto Guzzi two-wheeler in India can be helpful. However, with a Comprehensive Insurance Policy, you will not have to worry about such repairs. In case your bike faces damages, the insurer will pay for its repairs as per the policy’s terms and conditions.

Why should you buy a Moto Guzzi Bike?

Here are the top reasons for you to purchase any model of this brand.

  • One of the oldest motorcycle manufacturing brands in Europe.

  • Famous for its retro-styled two-wheelers.

  • Awesome built.

  • Great for long rides.

Moto Guzzi Bikes: Specifications, Models, Variants, and Price:

Here’s a table featuring important details about the bikes. Note that the Moto Guzzi bike price and the availability of the models are subject to change owing to the COVID-19 pandemic. For precise information, please speak with a trusted bike dealer.

Specifications/Models Moto Guzzi Audace Moto Guzzi Eldorado Moto Guzzi Griso 1200 8V Moto Guzzi California 1400 Moto Guzzi MGX-21
Displacement 1380 cc 1380 cc 1151 cc 1380 cc 1380 cc
Max Power 96.5 [email protected] 6500 rpm 96.5 PS @ 6500 rpm 106 PS @ 6600 rpm 96.53 PS @ 6500 rpm 96.5 PS @ 6500 rpm
Max Torque 121 Nm @ 3000 rpm 120 Nm @ 2750 rpm 107 Nm @ 6600 rpm 121 Nm @ 3000 rpm 121 Nm @ 3000 rpm
No. of Cylinders 2 2 2 2 2
Cooling System Air Cooled NA Air Cooled Liquid Cooled Air Cooled
Valve Per Cylinder 2 4 4 4 4
Starting Self-Start Only Self-Start Only Self-Start Only Self-Start Only Self-Start Only
Fuel Supply Fuel Injection Fuel Injection Fuel Injection Fuel Injection Fuel Injection
Clutch Single-disc with integrated anti-vibration buffer Single-disc with integrated anti-vibration buffer Single Plate with integrated flexible couplings Single-Disc with integrated anti-vibration buffer Single plate with integrated flexible coupling
Transmission Manual Manual Manual Manual Manual
Gear Box 6 Speed 6 Speed 6 Speed 6 Speed 6 Speed
Bore 104 mm 104 mm 95 mm 104 mm 104 mm
Stroke 81.2 mm 81.2 mm 81.2 mm 81.2 mm 81.2 mm
Compression Ratio 10.5: 1 10.5: 1 11:01 10.5:1 10.5:1
Emission Type bs6 bs6 bs6 bs6 bs6
Variant Audace ABS BS6 Eldorado STD BS6 Griso 1200 8V SE BS6 California 1400 Custom ABS BS6, Tour Full BS6 MGX-21 STD BS6

Two-wheeler Insurances for Moto Guzzi Bike models in India:

Insuring the following Moto Guzzi models is easy on the online platform. In case you are unable to locate your bike’s model while buying online insurance, you can seek help from the customer support team regarding the same.

  • Moto Guzzi Audace Bike insurance

  • Moto Guzzi Eldorado Bike insurance

  • Moto Guzzi Griso 1200 8V Bike insurance

  • Moto Guzzi California 1400 Bike insurance

  • Moto Guzzi MGX-21 Bike insurance

  • Moto Guzzi V85 TT Adventure Bike insurance

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.