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Riding a bike is call for a lot attentiveness and vigilance against theft, accidents and wear-n-tear.
Bike insurance is obligatory in both senses; to attain the financial reclamation in case of any disfigurement, and it is also mandatory as per Indian traffic rules.
‘Indian Motor Traffic’ governs the Bike Insurance policies. Although there are several terms and conditions under which the Indian insurance policies covers the claims, depending on the situations.
Some of the claims that Bike Policies covers are listed below:
Coverage under Loss or Damage:
Natural calamities: flood, fire, earthquake, storm, typhoon, explosion, cyclone, etc.
Man made calamities: Accident, theft, riot, terrorist activity and so on.
Personal accident cover: It is optional and covers up to Rs 1 lac for individual driver (must be owner of the vehicle).
Third party legal liability: look after the legal liability caused owing to accidental damages like death and permanent injury of a person.
Many insurers offer seasonal insurance policies for those, who don’t use motorcycles all through the year.
Cashless Garage Network provides Cashless claim facility and cashless claim settlement, all over the India.
Numerous bonuses and discounts are also available like No Claim Bonus, Voluntary Excess Discount and Additional discounts.
