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For many people, Vespa is more than a regular scooter; it is a prized possession. The LX 125 is certainly an intriguing addition to the line of Vespa scooters. If you are interested in buying this sporty-looking scooter, remember to cover it against damages through bike insurance. To help you out, this article will offer detailed information on how to buy Vespa LX 125 bike insurance online.
You can benefit from choosing the online method of bike insurance over the traditional offline approach. Here are a few reasons why you must consider buying Vespa LX 125 scooter insurance online.
Buying a Vespa LX 125 bike insurance online enables you to compare two-wheeler insurance policies from the convenience of your home. Using your mobile device, you can check out the best insurance coverages, benefits, and prices before picking a suitable policy.
Digital-first platforms (like www.acko.com) make purchasing a two-wheeler insurance policy hassle-free. Via the online mode, you can avoid lengthy paperwork, waiting for callbacks or visiting the insurer to buy or renew bike insurance.
All the insurance-related services remain available 24x7 with online insurers like ACKO. You can access the online platform at your convenience to gather information, raise claims, and buy or renew policies.
There are two main types of insurance policies you can choose from, depending on the Vespa LX two-wheeler insurance rates and benefits you want.
Third-party Bike Insurance is compulsory by law for all motor vehicles in India. It takes care of the financial burdens of third-party liabilities like third-party property damages, injuries or death caused while riding the bike. While this insurance policy is mandatory, it doesn’t provide financial protection against theft, loss or damages to your Vespa LX 125.
Buying a Comprehensive Bike Insurance Plan ensures you receive both Third-party Insurance and Own Damage coverage. While the third-party coverage takes care of third-party liabilities, the Own Damage coverage covers your bike for theft, loss, damages, etc. Moreover, you get financial protection against your bike getting damaged beyond repair as well.
|Important: Along with a policy of your choice, you must get PA or Personal Accident cover for bike as well. It is mandatory for motor vehicle riders/drivers to have the PA cover for financial protection in case of accidental disability (temporary or permanent) or death.|
The inclusions or coverages of a policy are all the situations when you can claim against damages or loss. Here are the situations covered by the Comprehensive Vespa LX 125 scooter insurance plan.
Any damages to third-party properties
Death or injuries to a third party
Fire/explosion related damages to the scooter
Man-made catastrophes causing damages to the scooter
Natural catastrophes causing damages to the scooter
Vespa LX 125 getting stolen
Coverages based on the add-ons you buy
Not all situations are covered under a policy. Some conditions are excluded, which you need to know about beforehand. The following situations are generally not covered in a Vespa LX 125 two-wheeler insurance plan.
Avoiding traffic rules while riding
Using your Vespa LX 125 for illegal racing
Regular wear/tear to your Vespa LX 125 overtime
Electric failures causing problems in your scooter
Mechanical failures causing problems in your scooter
Raising a claim when your insurance plan is inactive or expired
Riding the vehicle under the influence of drugs or alcohol
Riding the Vespa LX 125 without valid documentation like driving licence, vehicle registration, etc.
Damages that occur outside the prescribed geographical region in your policy
Depending on the insurer, you may get to purchase one or several add-ons with your bike policy. Generally, you may find the following add-ons available with Vespa LX 125 bike insurance.
Zero Depreciation Cover
Outstation Emergency Cover
Roadside Assistance Cover
Personal Belongings Cover - Damage/Theft
Key Protection Cover
Engine Protection Cover
|Note: The add-ons mentioned above are subject to availability. Please read the policy document carefully and ask your insurer about add-ons before purchasing.|
Here are the benefits of purchasing a bike insurance plan at ACKO.
To renew or buy a Vespa LX 125 insurance plan, you don’t need to fill out physical forms or submit documents. It is a completely digital process that only needs online inputs related to your bike and previous insurance (if available).
ACKO’s digital infrastructure enables a direct-to-customer model. This helps us to save money spent on commissions and lowers our operating costs, which translates into low-cost policies without compromising the coverages.
From raising a claim to getting it settled, the procedure requires minimal hassle. You can raise bike insurance claims online almost instantly. The minor claims are settled by our team in just a couple of hours, while major claims are also handled swiftly.
You can raise Vespa LX 125 insurance claims instantly at ACKO using these steps.
Step 1: Visit the official website or mobile application of ACKO to log into your account.
Step 2: Look for your Vespa LX 125 scooter policy and click on “Claim”.
Step 3: Fill in your answers to the questions related to scooter damage and upload images to request a claim.
Once our team receives a claim request, they initiate the settlement procedure based on the terms and conditions of your policy. You may receive the settlement amount for a minor claim within a few hours. However, complex damages can increase the duration of settlement.
Yes, you must purchase at least Third-party Insurance for your scooter, as it is mandatory for all motor vehicles including second-hand ones. You can purchase a plan for your second-hand Vespa LX 125 at ACKO easily, quickly, and conveniently. .
Not at all. It is not compulsory to purchase add-ons when you buy a Comprehensive Vespa LX 125 Insurance Plan. In fact, you can choose to purchase all, some or none of the available add-on covers.
You can visit our platform online to get a quote for your two-wheeler insurance. Our quotes are available via an easy-to-use bike insurance premium calculator.