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Go For Two Wheeler Insurance

The question that arises is why to buy it? Below is the list of features and benefits that may help you in deciding.

  • Stress-free inspection & cashless claim service
  • Offer coverage on partial or total loss to your vehicle that occur because of an accident or theft.
  • Provide coverage on third party damage and third party bodily injury.
  • You may get attractive discounts on renewal (NCB) for a claimless year.
  • Predefined reduction for the parts that requires replacement.
  • Vehicle transport to the nearest garage in case of major breakdown.
  • Lost key assistance
  • Add on coverage as well

Need of Insurance

It offers financial coverage for any type of damages or loss that occurs because of natural calamities such as fire, flood, etc.

  • Coverage against man-made calamities as well that includes theft or accident by external means etc.
  • The third party legal liability offers coverage against issues arising out of injury/death or property damage to the third party by your vehicle.

Before purchasing two wheeler insurance for your bike, scooty, scooter or any other two wheeler, it is essential to know the basic terminology of the same.

Premium

The premium you paid for insurance depends upon several factors such as city where the vehicle got registered, model, age of vehicle, year of manufacture, etc. Premium is decided and regulated by IRDA hence there is not much difference across several companies.

Coverage

It is the financial protection that the insurer offers to you and your two wheeler against any damage and loss caused due to any natural and/or man made calamity. Coverage depends upon the insurer and the plan chosen. That’s why it is advisable to buy two wheeler insurance online after comparison.

Exclusions

While purchasing the best two wheeler insurance, you must check its exclusions as it will tell you about situations where the insurer will not be able to offer coverage and required assistance.

Some exclusions will be- normal wear and tear, damage due to drunken driving, driving without license, damage caused by war or nuclear explosions, etc.