Palatino Ryan Bike Insurance
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Palatino Ryan is an affordable electric bike. Even though this is a low-end electric bike you need to buy adequate bike insurance coverage for financial assistance in case of damage. This article focuses on all aspects of Palatino Ryan bike insurance plans.
Bike insurance plans for Palatino Ryan bike
Following are the two major types of bike insurance policies available for your Palatino Ryan two-wheeler.
Third-party Liability Insurance
Insuring your Palatino Ryan bike with at least a Third-party Bike Insurance plan is a must in India. This is as per The Motor Vehicles Act, 1988. You cannot ride a bike on public roads if you don't have at least this policy. But this is just a basic requirement and it does not provide adequate bike insurance coverage. It does not provide insurance for your bike, it only secures you from third-party liabilities like property damage, third party death, etc.
Comprehensive Two-wheeler Insurance
If you are looking for extensive insurance coverage for your Palatino Ryan, then you can opt for a Comprehensive Policy. Buying this plan is not mandatory by law but it provides all round coverage that includes third-party liabilities, Own Damage Bike Insurance cover, and an option to enhance the plan with add-ons (if available).
What’s covered in Palatino Ryan Bike Insurance (Inclusions)
A basic Third-party Liability Plan may seem inadequate as it does not cover your Palatino Ryan bike from damages. However, buying a Comprehensive Bike Insurance Plan ensures that you get the following coverages.
Accidental damage to the bike
Coverage for total loss, i.e. damage beyond repair
Theft coverage under Palatino Ryan Bike Insurance two-wheeler insurance
Damage from natural or man-made calamities
Third-party property damage due to your insured two-wheeler
Fire damage is covered under Palatino Ryan Bike Insurance two-wheeler insurance
Injuries/death of a third party as a result of an accident with the bike
Exclusions of Palatino Ryan bike insurance plan
You cannot make a claim against your bike insurance policy in the following situations. These situations are called exclusions of the policy.
Regular wear and tear
Damage when riding under the influence of an intoxicating substance
Damage to the bike when taking part in illegal activities
Any damage incurred outside the geographical limit of the country
Claim for damage when the policy is inactive
Electrical or mechanical damage to the bike
Damage occured when not abiding by traffic rules
Riding the bike without valid documents like bike insurance policy or driving licence
| Note: Please go through the policy wordings of your bike insurance policy to view the full list of inclusions and exclusions. |
Add-ons for Palatino Ryan bike insurance
Take a look at the following list of add-ons suitable for your Palatino Ryan bike insurance plan.
Roadside Assistance Cover
Personal Belongings Cover - Theft/Damage
Zero Depreciation Cover
Engine Protection Cover
Outstation Emergency Cover
Personal Accident Cover
Key Protection Cover
Consumables Cover
| Disclaimer: The bike add-ons mentioned above are subject to availability. Please check the same while buying your bike insurance policy. |
Why ACKO?
Following are few of the reasons to choose ACKO as your bike insurance provider.
No paperwork
While buying bike insurance, paperwork is one of the factors that can lengthen your policy purchase process. However, if you choose ACKO you can buy bike insurance coverage without any physical paperwork. This speeds up the process and you get the policy within a few minutes of making the payment.
Low premium
ACKO is a digital-first insurance company and this gives us the leverage of offering discounts on our policies. A digital infrastructure reduces our operational costs. Another reason for offering bike insurance at a lower rate is that we work on a no-agent-commission model. As a result, we can pass these advantages as discounts to our customers, i.e. you.
Instant claims
The nature of the claim or the extent of damage is one of the factors that can influence the time taken for claim settlement. So, we try to settle minor/slight bike insurance claims instantly to provide a better experience. You can expect the claim settlement for minor claims within a few hours. Convenience at its best.
Frequently asked questions
Here are some common questions about Palatino Ryan bike insurance. In case you have more questions about bike insurance please feel free to send an email to [email protected].
Do I need bike insurance for my Palatino Ryan bike?
Yes you need to buy at least the mandatory Third-party Liability Bike Insurance plan for your bike since the Palatino Ryan has a power of 250 Watts. As of May 2022, bikes less than 250W do not need the mandatory insurance.
Does a Comprehensive Bike Insurance Policy offer flood coverage for Palatino Ryan electric bikes?
Yes, you get coverage for natural calamities, including floods under a Comprehensive policy for Palatino Ryan electric bike.
Do I need to buy a separate accident cover with my Palatino Ryan two-wheeler insurance policy?
Yes, it is mandatory to buy a separate Personal Accident Cover with your bike insurance policy.
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