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Purchasing bike insurance has two benefits in India. One, it ensures that you follow the law. Two, it extends a layer of financial protection around your bike in case of damages. Without insurance, you can be penalised by the authorities and be vulnerable to financial losses in case of mishaps. If you own an MV Agusta bike, you need a tailor-made MV Agusta Bike Insurance Policy.
Yes, buying insurance for a high-end bike can be expensive. But it is certainly better than paying penalties and bike repairs. If you have a sound idea of what bike insurance has to offer in India, you can make the most of your insurance plan without spending a lot for it. This article will not only inform you about different aspects of bike insurance but also help you make the correct decision regarding your MV Agusta’s Bike Insurance Policy.
Listed below are key benefits of ensuring that your MV Agusta is always covered by a Comprehensive Bike Insurance Plan.
The Indian law requires you to insure your bike if you plan to ride it on public roads. By buying and renewing the bike’s insuring policy, you comply with the law.
Accidentally, your MV Agusta bike can get involved in an accident and injure a third party or cause damage to a third-party’s property. In such cases, you are liable to pay for the injury/damages. However, with an insurance policy, the insurer will manage such liabilities as per the policy’s terms and conditions.
An all-round policy will ensure that your hard-earned money is not spent on repairing your bike. The insurer will take care of repairs.
When it comes to bikes like MV Agusta, it is of utmost importance to opt for an all-round policy. In India, such a policy is known as a Comprehensive Cover. Here’s an overview of the inclusions of such a cover. Note that these inclusions can vary from one insurance company to another. It’s best to check the policy’s inclusions before buying it.
Cover for the MV Agusta bike in case of damage due to fire.
Cover for the MV Agusta bike against natural and man-made calamities.
Theft cover for the MV Agusta bike.
The mandatory Third-party Liability Bike Insurance cover.
Insurance policies do have their limitations. A Policy Document will not guarantee claim settlement. The reason for which you want to raise a claim must be a part of the policy’s inclusions. Also, it should not be a part of the policy’s exclusions. Here’s a list of common exclusions of a Comprehensive Plan. Make it a point to check out the exact list of exclusions before purchasing the plan. Also, go through it before raising a claim.
MV Agusta shall not be covered if the rider/owner does not hold a valid insurance policy.
MV Agusta shall not be covered if the rider/owner does not hold a valid Driving License.
MV Agusta shall not be covered if the rider/owner is found riding the bike in a state of intoxication.
MV Agusta shall not be covered in case of Consequential Damages.
MV Agusta shall not be covered for other instances stated as exclusions in the Policy Wordings.
When you have chosen a reliable brand in the form of MV Agusta for your bike, you must also back it up with other reliable brands when it comes to related services such as insurance. You can consider Acko General Insurance for your MV Agusta because of the following benefits.
There was a time when people had to visit banks for basic tasks. But now, things are easier due to online banking. Similarly, MV Agusta two-wheeler insurance is also available online by visiting www.acko.com. You can insure your MV Agusta bike easily and quickly from the website.
Acko has removed two major impediments when it comes to bike insurance: paperwork and commission. The entire policy purchase process is online so there is no need for lengthy form-filling. Also, since you can directly buy from the website, there is no need for middlemen. As a result, there is no commission. This means low premium.
No one likes a complex claim settlement process. With Acko, you can raise claims online and track them as well. Simply let the claims team know of the damage to your bike, and they will handle your claim request smoothly.
You as an MV Agusta owner have to decide whether you want to go the minimalistic way or choose a more wide-ranging option when it comes to your bike’s insurance. In India, you have the following options for two-wheeler insurance.
The Third-party plan is a basic one. It covers liabilities and does not cover damages to the vehicle. What this means is in case your bike damages someone’s else’s property, the insurer will cover your liability but will not pay for the damage caused to your bike. This is a law-demanded cover so you cannot afford to miss this one. However, you can pick the next option if you want to comply with the law as well as insure your bike against Own Damages.
A Comprehensive Two-wheeler Insurance is an advanced plan. It offers a wide-ranging cover as it offers the Liability-cover and the Own Damage Cover. Plus, you have the choice of including add-ons as well. They are small plans with big benefits. More on them in the next section.
Here’s a section of productive add-ons to be purchased with your wide-ranging two-wheeler insurance plan. Before you read the details of the add-ons, you must know that these optional covers come at a cost. There is no limit to purchasing a particular number but you need to go only for those that offer value to you. Also, such plans cannot be bought with a Liability-only plan.
During the claim settlement, insurers consider depreciation of the bike’s parts as well. This reduces the claim amount. But it can be avoided with this add-on and you can get a higher claim amount.
Such an add-on is a must for those who frequently travel in twos on the bike. This add-on offers a Personal Accident Cover to the person seated behind on the bike.
Want to raise claims without affecting the accumulated No Claim Bonus? This add-on does exactly that.
Receive the bike’s invoice value in the settlement in the unfortunate event of a total loss with this add-on.
Do not let the bike’s heart go uncovered. Major bike insurance policies do not cover engine damages. This add-on does.
This is the most important part of the insurance contract from a policyholder’s perspective. This is where the promise made by the insurer is fulfilled. Therefore, it is of utmost importance to choose an insurer that offers a transparent, smooth, and quick claim process. Usually, the claim process across insurers is the same. However, there can be changes in the process depending upon the insurer’s technology infrastructure and overall strategy. Here’s an overview of the process.
Step 1: Establish contact with the insurance company by the available means.
Step 2: Inform the company about the reason for raising a claim.
Step 3: Submit documents as requested.
Step 4: Answer the questions posed by the insurance company.
Step 5: Choose from the Cashless or a Reimbursement claim settlement method and complete the process.
Here are some questions and answers that are commonly asked when it comes to MV Agusta Bike Insurance.
Yes, the bike insurance premium is dependent on claim history along with other factors. Claim history is crucial to calculate the renewal discount or the No Claim Bonus. Some insurers might also consider the claim history to classify the policyholder as a risky or a non-risky prospect and charge premium accordingly.
Q2) Do second-hand bikes also need to be insured?Whether you purchase a new bike or an old bike, it needs to be insured. Not insuring it can lead to penalties, monetary expenses to cater to third-party liabilities and repair costs.
Q3) Can I be imprisoned if my uninsured bike is involved in an accident?Imprisonment in case of an uninsured bike’s accident is a possibility. But it depends upon the details of the case at hand.
Q4) I have purchased a Comprehensive Plan for four years but I have not raised a single claim. I think it is of no use for me apart from one add-on cover. Can I switch to a Third-party Plan but keep the Pillion Rider Cover?A Pillion Rider Cover can only be bought along with a Comprehensive Plan. You can switch to a Third-party Plan without the add-on. It is suggested to continue with the wide-ranging plan for better insurance coverage.
Q5) Will my accumulated No Claim Bonus be intact if I switch insurers after two years?Yes, your accumulated No Claim Bonus should be intact when you switch to a different insurer. This will be subject to the policy’s terms and conditions.
Q6) I came across an online bike insurer while looking to renew my policy. How can I check if it is a genuine company?You can browse the website and search for its IRDAI registration number to verify the insurer.
Q7) Is there a restriction when it comes to raising claims during the policy period?Usually, there is no restriction on the number of times you can claim during the policy period. However, raising claims for minor reasons might not be beneficial always. You have to pay the Voluntary Deductibles and a claim also resets your renewal discount. Thus, you should have a discussion with your insurer before raising multiple claims during the policy period and make an informed choice.
Q8) I go on frequent road trips and was thinking of a suitable add-on. Will a Roadside Assistance Add-on be beneficial for me even during inter-state trips?In most cases, insurers have a defined radius in which they offer the Roadside Assistance service. Since this is a specific query, you should get it clarified by the insurer before buying the add-on.
Q9) Will the insurer inspect my new bike before insuring it?Usually, bike inspection is not needed for new bikes. You can insure your bike under two minutes via the online method.
Q10) Is it possible to encash the No Claim Bonus?No, the No Claim Bonus cannot be encashed.
Although two-wheeler insurance is compulsory in India, the ecosystem is not rigid. You have plenty of options to choose from. You can either opt for an online process or an offline process. You can buy from a traditional insurer or a digital one. You have the choice of choosing a basic plan or a wide-ranging cover.
There are add-ons to go with a wide-ranging cover as well. The choice is yours to make and there is plenty of information available to aid you in making that choice when it comes to MV Agusta two-wheeler insurance.
MV Agusta motorcycles stand out as compared to the average bike on the road. As a result, they deserve special treatment when it comes to selecting an insurance cover for such bikes. A Comprehensive Plan suits well for such special bikes. Also, consider enhancing the cover with add-ons. Installing an Anti-theft device is also a good option. It also helps in reducing the insurance premium.
MV Agusta bikes have a fine legacy. The Agusta brand has been around for decades. Their team is passionate about the bikes offered in the market. They do not simply manufacture two-wheelers but craft them with emotions. Be it technology or innovations, the brand is a step ahead when it comes to the competition and serving customers’ needs.
These bikes have great attention to detail and feature superior craftsmanship. If you love the concept of a sports motorcycle, then MV Agusta models are just right for you. MV Agusta bikes are extremely stylish, highly appealing, and offer superior on-road performance.
Here’s why you should consider buying an MV Agusta Two-wheeler in India
The historic legacy of the brand.
The brand not just builds two-wheelers but crafts emotions.
Their bikes are a step ahead.
Expert hands assemble MV Agusta models.
Great attention to detail.
Here’s a section on MV Agusta bike models, key specifications, and variants. Note that this is an overview and for exact details please contact a trusted two-wheeler dealer. The MV Agusta bike price and availability of the bike are subject to changes.
The models mentioned below are slated to release in March 2021. As mentioned above, the exact availability and delivery date should be discussed with the dealer owing to the COVID-19 situation.
Engine Type | Three-cylinder, 4-stroke, 12-valve “D.O.H.C.” with a mechanical chain tensioner |
Displacement | 798 cc |
Max Power | 140 PS @ 12300 rpm |
Max Torque | 87 Nm @ 10000 rpm |
No. of Cylinders | 3 |
Valve Per Cylinder | 4 |
Drive Type | Chain Drive |
Starting | Self-Start Only |
Fuel Supply | Fuel Injection |
Clutch | Multi-disk wet clutch with hydraulic actuation |
Ignition | Integrated ignition - injection system MVICS 2.0 (Motor & Vehicle Integrated Control System) |
Transmission | Manual |
Gear Box | 6 Speed |
Bore | 79 mm |
Stroke | 54.3 mm |
Compression Ratio | 13.3:1 |
Emission Type | BS6 |
Price | INR 15.59 to 18.99 lakhs |
Variants | Brutale 800 ABS BS6, Brutale 800 RR BS6 |
Engine Type | In-line 3-Cylinder, 4-Stroke, 12-Valve, DOHC |
Displacement | 798 cc |
Max Power | 150.05 PS @ 13000 rpm |
Max Torque | 88 Nm @ 10600 rpm |
No. of Cylinders | 3 |
Cooling System | Liquid Cooled |
Valve Per Cylinder | 12 |
Drive Type | Chain Drive |
Starting | Self-Start Only |
Fuel Supply | Fuel Injection |
Clutch | Wet, multi-disc slipper clutch |
Ignition | Integrated Ignition |
Transmission | Manual |
Gear Box | 6 Speed |
Bore | 79 mm |
Stroke | 54.3 mm |
Compression Ratio | 13.3:1 |
Emission Type | BS6 |
Price | INR 17.99 to 21.99 lakhs |
Variants | F3 800 STD BS6, F3 800 RC BS6 |
Engine Type | Three-cylinder, 4-stroke, 12-valve, DOHC Engine |
Displacement | 798 cc |
Max Power | 140 PS @ 12300 rpm |
Max Torque | 87 Nm @ 10100 rpm |
No. of Cylinders | 3 |
Valve Per Cylinder | 12 |
Drive Type | Chain Drive |
Starting | Self-Start Only |
Fuel Supply | Fuel Injection |
Clutch | Multi-disc wet clutch with hydraulic actuation |
Transmission | Manual |
Gear Box | 6 Speed |
Bore | 79 mm |
Stroke | 54.3 mm |
Compression Ratio | 13.3:1 |
Emission Type | BS6 |
Price | INR 18.73 - 21.50 lakhs |
Variants | Dragster 800 RR ABS BS6, Dragster 800 RR America BS6, Dragster 800 RR Pirelli BS6 |
Engine Type | Three-cylinder, 4-Stroke, 12-Valve |
Displacement | 798 cc |
Max Power | 111.52 PS @ 10150 rpm |
Max Torque | 80 Nm @ 7100 rpm |
No. of Cylinders | 3 |
Cooling System | Liquid Cooled |
Valve Per Cylinder | 4 |
Drive Type | Chain Drive |
Starting | Self-Start Only |
Clutch | Hydraulic with slipper clutch |
Ignition | Integrated ignition - injection system, MVICS 2.0 (Motor & Vehicle Integrated Control System) with three injectors. |
Transmission | Manual |
Gear Box | 6 Speed |
Bore | 79 mm |
Stroke | 54.3 mm |
Compression Ratio | 12.2:1 |
Emission Type | BS6 |
Price | Around INR 15.59 lakhs |
Variants | Turismo Veloce 800 STD BS6 |
Here’s a list of MV Agusta’s discontinued models.
MV Agusta F4
MV Agusta Brutale 1090
MV Agusta Brutale
MV Agusta F3
Here’s a list of models for which you can avail online insurance easily in India. If you do not find your MV Agusta model listed on your preferred insurer’s website, you can call them and ask about it. They will guide you regarding the next steps.
MV Agusta Brutale 800 bike insurance
MV Agusta F3 800 bike insurance
MV Agusta Dragster 800 RR bike insurance
MV Agusta Turismo Veloce 800 bike insurance
ACKO General Insurance Limited
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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.