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Two-wheeler Insurance for Triumph

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Triumph Bike Insurance

Home / Two-wheeler Insurance / Triumph Bike Insurance

If you are planning to purchase a Triumph Bike or already have one, then you must consider its insurance cost. A two-wheeler requires continuous investment. This is usually in the form of fuel, maintenance, and insurance charges. Note that insurance is a mandatory requirement in the country. For example, you need Triumph Bike Insurance to comply with the law and insure your bike.

If you manage expenses for fuel, maintenance, and insurance well, you will be able to manage your bike’s expenses smoothly. This article will help you with the insurance part of the triad. Read ahead for detailed information regarding purchasing a two-wheeler insurance policy for your Triumph bike.

Benefits of buying Two-wheeler insurance for Triumph Bikes
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Listed below are the benefits of insuring your Triumph bike with a wide-ranging two-wheeler insurance policy.

1. Compliance
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Be a law-abiding citizen by insuring your bike. Stay away from penalties by buying and renewing bike insurance.

2. Liability Cover
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In the case of third-party mishaps, the insurance policy will cover your financial liabilities as per the policy’s terms and conditions.

3. Own Damage Cover
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Triumph bikes are costly as compared to the average bikes in the Indian bike industry. This means that the spare parts and the cost of repair can also be on the higher side. Here’s where an insurance policy will be of great help.

4. Extra Covers
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You can buy add-ons to ensure better value for money and peace of mind. Some add-ons, if used smartly, can help to save money in the long-run.

Insurance Plans for Triumph Bikes
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In India, you can choose from two insurance policies. The first one is the basic Third-party Plan. It is known as Third-party Two-wheeler Insurance. As the name suggests, the insurance policy covers the bike owner’s liability when it comes to injury to third parties. It also covers damages to third-party property. Both these damages are covered if they are caused by the insured bike.

The second option is a wide-ranging one. It is known as a Comprehensive Two-wheeler Policy. You can insure your Triumph bike with this policy to ensure a Liability Cover as well as an Own Damage bike insurance cover. Such a cover also provides you with an option to purchase add-on covers.

What’s Covered in Triumph Bike Insurance (Inclusions)
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You can benefit from the following coverages on purchasing a Comprehensive Bike Insurance Policy for your Triumph bike in India.

What’s Not Covered in Triumph Bike Insurance (Exclusions)
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There are certain instances where the insurer will not be able to settle the insurance claim raised against a Comprehensive Policy of the insured bike. These instances are known as policy exclusions. Here’s a list of such exclusions.

Add-ons for Triumph Bike Insurance
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Add-ons are extra insurance covers. You can buy them by paying an extra insurance premium. There are multiple add-ons to choose from. Each add-on will increase your final payable premium. Thus, it is crucial to select only those extra insurance covers that can add value to your insurance policy. Such add-ons cannot be purchased with a liability-only cover nor are they standalone covers. They need to be clubbed with a Comprehensive Cover. Here’s a list of popular add-ons for your Triumph Bike.

1) Zero Depreciation
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This add-on helps you make the most of a claim as it negates the depreciation calculation during claim settlement.

2) Engine Protection
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Insure your bike’s heart with this add-on as a Comprehensive Policy won’t be able to provide ample coverage in this regard.

3) No Claim Bonus Protect
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Protect your hard-earned No Claim Bonus (renewal discount) with this add-on as it allows you to raise a claim or two during the policy period without resetting the NCB.

4) Invoice Protection
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With this add-on, you can receive the insured bike’s invoice value as opposed to its Insured Declared Value (less than the invoice value) in the case of a total loss (damage beyond repair or theft).

5) Pillion Rider Cover
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Ideal for those who often ride their Triumph bike with a companion. Such an add-on offers the pillion rider with a cover like the Personal Accident Cover for the owner/rider.

Benefits of Buying Acko Two-Wheeler Insurance Policy for your Triumph Bike
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You can buy and renew Triumph two-wheeler insurance easily with Acko. Listed below are the top reasons why you should consider insuring your Triumph bike with Acko.

1. Affordable Cost
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Acko offers bike insurance policies at a low cost. This is possible because there is Zero Commission charged when you buy directly from As there are no middlemen here and the overall operational cost is low because of the digital-first nature of the company, the cost-benefit is transferred to the policy purchaser in the form of incredibly low premiums.

2. Simple and Easy
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You do not have to set appointments or reach out to an executive to buy bike insurance online. Simply visit the company website and insure your bike within the time taken to order a meal online. This can be done without any expert knowledge of insurance as all the necessary information and support is available online.

3. Smooth Claims
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Claiming insurance with Acko is completely hassle-free. Just initiate a claim by logging in to the website and the rest will be managed smoothly by the dedicated claims team. You shall get regular updates about the claim status while it is being settled.

Claim Procedure
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If you find yourself in a position where you need to raise a claim against your bike insurance policy, you need to follow the below-mentioned process. Note that the following steps are generic. Some insurers might have a specific process when it comes to settling claims.

Step 1: Contact your insurer via the applicable medium (website, mobile app, call, email, etc.) and inform them about the instance for which you want to raise a claim.

Step 2: Comply with the insurance company and provide essential details regarding your insurance policy and the incident for which you are raising a claim.

Step 3: Follow the stated process in terms of filing a claim and providing documentation if any.

Step 4: The claims inspector will have a look at the vehicle and ascertain the cost of repairs.

Step 5: Claim shall be settled via the Cashless or the Reimbursement process.

Frequently Asked Questions
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This section is all about common queries and their answers regarding Triumph bike insurance.

Commonly Asked Questions About Triumph Bike Insurance


I am thinking of purchasing an online bike insurance policy for my Triumph bike and was wondering if it needs to be verified from a physical office after downloading?

An online bike insurance policy is a valid document considering you buy it from an authorised seller. There’s no need for further validation.

Can I upgrade from a Third-party Liability Bike Insurance policy to a Comprehensive Plan while renewing my policy? If yes, then what will be the payable amount?

Yes, you have the option to upgrade to a Comprehensive Bike Insurance Plan at the time of renewal. You can also buy suitable add-ons with the plan. The payable amount will depend upon your bike’s model, location, insurer, etc. You can check out the payable premium by visiting Acko Two-wheeler Insurance page.

My Triumph Bike Insurance has expired. Will there be an inspection before renewal?

The insurance company might need to inspect your bike before offering a Comprehensive Bike Insurance cover. This can depend upon the number of days that have elapsed after policy expiry along with the insurance company’s renewal and inspection policy.

Can I buy multiple add-ons with my Comprehensive Plan?

Yes, purchasing multiple add-ons with a Comprehensive Plan is allowed.

Can I claim insurance and still be eligible for a No Claim Bonus?

You can raise a claim and benefit from the No Claim Bonus discount if you have purchased the No Claim Bonus Protection Add-on. This add-on can be named differently by different insurance providers.

It seems like there is an error in my bike’s insurance policy document. What should I do?

If you come across any errors in the policy document, get in touch with your insurance company and let them know about it. Usually, they will make the changes and share the updated policy with you.

Will my Triumph Bike Insurance cover the repair cost for damages to the bike due to vandalism?

If you have a Comprehensive Bike Insurance Policy, vandalism should be covered by it. For details, you can refer to the respective Policy Wordings. The claim settlement will also depend upon various other things such as your compliance with the due process, submission of necessary documents, and other terms and conditions.

What if my Triumph bike’s model is not listed on the online insurer’s website? Can I still insure it online?

If you are unable to find your bike on the insurer’s website, you can call the insurer, contact the team through social media, or simply sending a query email to them. They will let you know if it is possible to insure the bike online or not.

I use my Triumph bike for a lot of road trips and I am planning inter-state road trips as well. So, is a policy purchased in Karnataka valid in Maharashtra?

Yes, a bike insurance policy is valid across India, unless specified otherwise.

The bike dealer had provided an insurance policy for my Triumph bike while purchasing. Can I shift the insurer while renewing the plan?

Yes, you can choose a different bike insurer while renewing the policy.

Other Two-wheeler Insurance for Triumph Bike Models/Variants
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