Suzuki Burgman Street 125 Bike Insurance

Q: From where can I buy a two-wheeler insurance policy for my Burgman Street 125 scooter?

You can buy two-wheeler insurance online or offline . But it’s better to opt for online bike insurance as it saves you a lot of time and money. You can also compare insurance plans from different insurance providers before making the online purchase.

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Suzuki Burgman Street 125 Bike Insurance

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Suzuki is one of the leading Japanese brands in the Indian market, which is known for its motorcycles and scooters. The Suzuki Burgman brand is also sold in the European markets, and it sports a maxi-scooter design. Do you own a Suzuki Burgman scooter or planning to buy one? Then, read on to know all the information about the Suzuki Burgman Street 125 Bike Insurance.

About Two-Wheeler Insurance for Suzuki Burgman Street 125

Buying a two-wheeler insurance policy for your Suzuki Burgman Street 125 is crucial to comply with the rules and regulations. Yes, purchasing third-party liability insurance is compulsory to ride your scooter on the roads. But on the flip side, the third-party insurance plan doesn't offer an Own Damage cover. That's when comprehensive bike insurance comes into the picture.

Although comprehensive two-wheeler insurance is optional, it provides better coverage when compared to third-party insurance. A comprehensive two-wheeler insurance policy offers third-party and Own Damage cover. The insurance plan covers vehicle damage and injury/accidental death of the rider/owner. The vehicle damage cover provides coverage against accidental damage, fire damage and damage caused by natural/man-made disasters. With a comprehensive insurance plan, you need not worry about damages to your scooter.

Apart from that, the comprehensive bike insurance plan also covers total loss and theft of the insured scooter. The insurer will pay you the IDV (Insured Declared Value) of the scooter if your Suzuki Burgman Street 125 is stolen or damaged beyond repair. Another advantage of a comprehensive bike insurance policy is the ability to enhance the coverage. You can choose from a host of add-on covers and expand the scope of coverage of the bike insurance policy.

A third-party liability (TPL) cover is mandatory, and it covers damage to third-party property or life. The third-party damage cover is crucial in case you are involved in an accident, which causes damage to a third-party. The insurer will take the financial and legal liability for the damage caused in an accident. A two-wheeler insurance policy gives you financial and legal security when you are riding the scooter and even when the scooter is parked.

Importance of buying Two-Wheeler Insurance for Suzuki Burgman Street 125 Model

The Suzuki Burgman Street 125 is a premium scooter, and buying a two-wheeler insurance policy is a must. To comply with the rules and regulations, you need to purchase at least a third-party two-wheeler insurance policy for the Burgman Street 125. On the other hand, the comprehensive insurance plan is optional, but it provides better coverage benefits. Below are the benefits of buying two-wheeler insurance for Suzuki Burgman Street 125 model:

Third-Party Liability Coverage

Third-party liability or TPL coverage is crucial in a bike insurance plan. A third-party/comprehensive two-wheeler insurance plan offers coverage against damage to third-party property/life.

Own Damage Coverage

A comprehensive two-wheeler insurance policy provides an Own Damage cover which includes coverage against damage to your scooter and accidental death/injury to the rider. The insurance plan covers damage to your scooter, which includes accidental damage, damage due to fire and damage due to man-made/natural disasters.

Add-on Coverage

A comprehensive two-wheeler insurance policy also allows you to expand the scope of coverage through add-ons. You can choose from a host of available add-on covers to enhance the coverage benefits. The best part is you can individually purchase the add-ons.

Total Loss/Theft Coverage

The comprehensive two-wheeler insurance plan also covers theft and total loss of the insured vehicle. The insurer is liable to pay you the Insured Declared Value (IDV) of the scooter in case your Suzuki Burgman Street 125 is stolen or suffers a total loss in an accident.

Bike Insurance plans for Suzuki Burgman Street 125 Scooter

You can buy two types of bike insurance plans for the Suzuki Burgman Street 125 scooter: Third-Party two-wheeler insurance plan and Comprehensive two-wheeler insurance. Both insurance plans come with different sets of coverage benefits. Below are the details of third-party and comprehensive bike insurance plans:

Third-Party Bike Insurance Plan

Third-Party two-wheeler insurance is mandatory to comply with the Motors Vehicle Act. But the insurance plan provides only third-party liability coverage, that is coverage against damage to third-party property/life. It does not offer an Own Damage cover.

Comprehensive Bike Insurance Plan

Buying a comprehensive bike insurance policy is optional, and it provides both this-party liability and Own Damage cover. The Own Damage cover includes coverage against damage to your scooter and accidental death or injury to the rider/owner. Apart from that, the insurance policy also covers total loss and theft of the insured scooter. If you wish to expand the coverage of the comprehensive two-wheeler insurance plan, you can also buy add-ons.

What’s Covered in Suzuki Burgman Street 125 Scooter Insurance (Inclusions)

Suzuki Burgman Street 125 bike insurance provides coverage against the following circumstances:

Loss/Damage to the scooter due to an accident.
Loss/Damage to third-party property or life.
Loss/Damage to the scooter due to natural disasters such as floods, earthquakes, cyclones, etc.
Loss/Damage to the scooter due to an explosion or fire outbreak.
Loss/Damage to the scooter due to man-made calamities such as riots, etc.
Injury or accidental death of the rider/owner.

Note: Only Comprehensive Bike Insurance provides an Own Damage Cover.

Exclusions of Suzuki Burgman Street 125 Bike Insurance

Below are the exclusions of Suzuki Burgman Street 125 bike insurance:

Loss/Damage to the scooter due to electrical/mechanical failure.
Loss/Damage to the scooter due to improper handling.
Loss/Damage to the scooter due to reckless riding.
Riding the scooter without a valid driving license.
Riding the scooter under the influence of intoxicating substances.
Loss/Damage to the scooter due to wear and tear.
Any add-on covers which are not bought.

Add-ons for Suzuki Burgman Street 125 Two Wheeler Insurance

You can purchase add-on covers to enhance the coverage of the comprehensive bike insurance policy. Below are the available add-ons for Suzuki Burgman Street 125 two-wheeler insurance:

Roadside Assistance Cover
Depreciation Cost Cover
No Claim Bonus Cover
Engine Protection Cover
Invoice Cover
Pillion Rider Cover
Consumables Cover
Key Loss Cover

Claim Procedure

Below are the steps to register a bike insurance claim at ACKO General Insurance:

Step 1. Log on to the website www.acko.com or download the smartphone app.
Step 2. Log in to your account.
Step 3. Choose the ‘Bike Insurance’ option from the main Products menu.
Step 4. Click on the ‘Two-Wheeler Insurance Claims’ from the Claims menu.
Step 5. Enter the claim details.
Step 6. Upload the pictures of your damaged scooter.
Step 7. Upon assessment of the damaged vehicle, the claim will be processed.
Step 8. You may receive instant claim settlement for minor damages.
Step 9. Minor damages will be repaired at your location by ACKO’s expert mechanic.
Step 10. Major damages can be repaired via ACKO’s network of garages (cashless).

Frequently Asked Questions

Buying two-wheeler insurance can be a tricky task if you are someone who is buying it for the very first time. To make things easier, below are the commonly asked questions about the Suzuki Burgman Street 125 bike insurance

Is it compulsory to purchase a bike insurance policy for my Suzuki Burgman Street 125 scooter?

Yes. buying a bike insurance policy is compulsory. You need to purchase at least a third-party liability insurance policy to comply with the Motor Vehicles Act.

From where can I buy a two-wheeler insurance policy for my Burgman Street 125 scooter?

You can buy two-wheeler insurance online or offline. But it’s better to opt for online bike insurance as it saves you a lot of time and money. You can also compare insurance plans from different insurance providers before making the online purchase.

What is an add-on in Suzuki Burgman Street 125 bike insurance?

Add-on is an additional cover which you can buy separately for a comprehensive two-wheeler insurance policy. Add-ons expand the coverage benefits of the insurance policy.

Is it compulsory to buy add-ons for Suzuki Burgman Street 125 bike insurance?

No, purchasing add-ons are optional. If you wish to enhance the scope of coverage of the comprehensive two-wheeler insurance, you can consider buying add-on covers.

Why does third-party bike insurance cost less than the comprehensive bike insurance?

Third-party bike insurance provides only third-party liability (TPL) coverage and does not offer an Own Damage cover. On the other hand, comprehensive bike insurance offers third-party and Own Damage cover. So, the cost of third-party insurance is less when compared to comprehensive insurance.

How can I reduce the cost of Suzuki Burgman Street 125 bike insurance?

You can install an anti-theft/security device on the scooter to reduce the risk of theft, and it will reduce the cost of insurance premium. You can also avoid purchasing unnecessary add-ons to rescue the cost of insurance. Lastly, you can opt for third-party bike insurance to drastically reduce the cost of bike insurance.

Does the bike insurance provide coverage against engine damage?

Yes, if you have purchased the Engine Protection Cover for the comprehensive bike insurance plan, you can avail coverage against engine damage.

Can I renew the bike insurance policy after it expires?

Yes, you can renew the expired bike insurance policy within the grace period provided by the insurance company. Post grace period, you have to pay the required penalty charges to renew the bike insurance policy.

Is Suzuki Burgman Street 125 a reliable scooter?

Yes, the Suzuki Burgman Street 125 is a reliable scooter as it comes with a powerful and fuel-efficient 125cc engine. Burgman Street 125 is one of the feature-rich scooters in the market.

How much will the insurer pay me if my Suzuki Burgman Street 125 is stolen?

The insurer will pay you the Insured Declared Value (IDV) of your scooter if your Suzuki Burgman Street 125 is stolen.

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