Prevent Financial Losses by Purchasing Hero HF Deluxe two-wheeler insurance policy online?

Hero HF Deluxe two-wheeler insurance policy online

We all know that having bike insurance is important for every bike owner. Every person owns a bike for the comfort of their family members. If you are one of those who own a hero hf deluxe then first you should have bike insurance to protect yourself from road perils. Nowadays you can purchase Online bike insurance to save money and get more benefits. If you have purchased a new hero hf deluxe and haven’t insured it yet then immediately contact the insurance company to purchase a plan. We are here discussing the types, coverages, and benefits of hero hf deluxe two-wheeler insurance.

There a two type of two-wheeler insurance policies available for the customer

  • Comprehensive two-wheeler insurance policy:

This insurance type provides complete coverage to the insurance holder from damage, injury, and third-party liability. Customers can also choose for optional coverages in a comprehensive insurance plan for extra security. You can make a claim depending upon the extent and type of damages. Successful claims will be possible only with genuine bills and documents. Moreover, the bike insurance company will also assign an agent to inspect the damage.

  • Third-party liability two-wheeler insurance policy:

This insurance policy will cover the damages caused to third party property. In case of death, damage, or loss caused to the third person’s property then the insurance will help you to pay the losses. Customers will also remain safe from the legal proceedings by purchasing third-party liability insurance. This insurance also covers the indemnity amount of the disability caused to a third party. The insurance holder has to make a claim for the losses of the third party with valid documents and bills.

Popular benefits of renewing a two-wheeler insurance policy online.

  • Realistic Discounts: Customers can avail of a good amount of discount on renewing an insurance policy online. The total cost of the premium gets reduced after choosing additional discounts.
  • Lower premium rates: without any additional discount, online renewal premiums are very low in comparison to offline prices. After applying for any additional discount, the rates will get even less.
  • No hassle of traveling: Customers don’t have to take any hassle of traveling to various insurance companies. You can purchase your Bike insurance renewal policy comfortably sitting at your home. Apart from this, you can also take supersession of your family member of this as you are renewing the policy in front of them.
  • Time-saving: renewing a hero hf deluxe policy online will save your time. You have to just fill in the details of your previous policy and personal information To renew your bike insurance policy. In the final step, you have to make the payment of the total premium account and the renewal will be done in friction of seconds.
  • Viable comparison: There are multiple online websites that are providing an easy companion for the ease of customers. So, if you compare it online before purchasing then it will prove out to a Best Insurance Policy for your hero hf deluxe.
  • No break-in policy: Most of the time people avoid renewing the policy because they have to visit various companies. It will also result in discontinuation of the bike insurance policy. If you choose to renew your insurance policy online, then you can do it easily from your phone.
  • Continued NCB: Customers can take to benefits of No claim bonus if they continue to make their Two wheeler insurance renewal on time. Apart from this, the premium rates will be decreasing every year with this no claim bonus.

Coverage and exclusion in a two-wheeler insurance plan:

  • Any bodily injury, permanent or temporary disability, and death are covered in the bike insurance policy.
  • A two-wheeler insurance policy will reimburse the cost of your bike in case of theft.
  • The damage caused due to natural calamities such as floods, landslides, earthquakes, cyclones will be covered in an insurance policy.
  • Besides these natural disasters, several manmade disasters are also covered in an insurance policy. Terrorist attacks, riots, strikes, and fire damages are covered in the best insurance policy.
  • Having a third-party liability coverage is mandatory in India along with any insurance plan. This will protect you from legal proceedings in the case of third-party property damage.
  • Damage due to illegal activity is not covered in the policy.
  • An insurance policy will not cover your regular wear and tear damage.
  • The mishap caused due to drink and drive cases will not be covered in the policy.
  • if the bike rider is in the influence of any chemicals, drugs, or medicine while riding.
  • The damage caused outside the geographical boundaries is not included in insurance policies.
  • You can cover the engine and gearbox damages on opting for additional coverage in insurance plans.
  • The insurance policy will not cover the damage caused due to nuclear war.

The requirement of add on covers in an insurance policy

A basic insurance plan is not sufficient for complete coverage as it will not cover every type of damages. So, opting for add on covers while purchasing insurance will provide your additional protection. Along with the policyholder, these add on covers will protect your co-passenger from mishaps. So, if you are going to purchase or renew a hero hf deluxe insurance plan then don’t forget to choose these add on covers as per the requirement. Customers can also choose these add on covers to reduce the price of premiums.

You can choose the personal accidental cover to pay the medical bills in case of injury caused to you due to an accident. Moreover, customers can also install various security instruments on their hero hf deluxe bike to reduce the premium prices. You can compare among the multiple plans while renewing your hero hf deluxe insurance policy online.

Points To Take Care while renewing your two-wheeler insurance policy?

two wheeler insurance renewal

In this fast-paced life, everyone is busy saving time and money. So, searching for the best two-wheeler insurance renewal plan is a very challenging task for every two-wheeler owner. The online insurance market is full of multiple misleading policies. These insurance policies have high premiums yet customers are not completely satisfied with the facilities provided. If once you have faced some difficulty in your insurance plan then you will surely not go for the same plan for next time.

You can purchase a two-wheeler insurance renewal either online or from a third party or broker. Brokers work on a chargeable basis and they will take extra charges for providing its services apart from the premium amount. So, you should know that online purchasing of an insurance plan is the best to save a handful of money.

Reasons to purchase a two-wheeler insurance renewal policy online: 

There are lots of positive reasons to purchase two-wheeler insurance online. But there are 5 main reasons that must be helpful and encourage you to purchase it online.

Save time: The whole process of buying an online insurance plan will take not more than half an hour including form submission and completing the payment. By purchasing bike insurance online, you will get saved from the hassle of searching for different insurance companies.

Convenient to buy:

As we all know that the internet and online market has the power to reach the customer within some clicks. So, It is truly a convenient and easy way to purchase a two-wheeler insurance plan online. You don’t have to visit multiple companies in order to search for a suitable plan that justifies your needs and does not become a financial burden to you.

Easy Comparison:

You can compare the various plans provided by different insurance companies. The entire process of comparison will be possible under the comfort of your home.

Low premium:

Asking a broker to purchase a suitable plan will cost you more than purchasing it online. You will choose the insurance plan according to your necessity and uncheck those facilities that are not required. This will also help you to lower your premium of two-wheeler insurance renewal. 

No paperwork:

The entire process will be completed online and you don’t have to carry hard copies for the claiming process. Also, e-documents will be sent to your mail id and you can keep it safe there.

What types of damages are included in a two-wheeler insurance policy?

If you are planning to purchase two-wheeler insurance online or want to renew your policy then you must know about the coverage details. The coverage details will help you to take the maximum benefit of an insurance plan while claiming. A good insurance plan must cover accidental damage, medical expenses of the injured person, and physical damage caused to the property. There are several other benefits that are optional while purchasing an insurance plan.

Personal Injury Protection:

If a person with insurance meets with an accident and is partially or completely disable, then he can claim up to 15 lakh rupees for personal expenses. This coverage only includes the bodily damage of the vehicle owner. So, you can opt for extra coverage of your co-passenger if you are buying it online. This cover applies when you are traveling, mounting, or dismounting from the insured vehicle.

Third-party liability Protection:

It compensates for the third party damage that is due to the accident of your vehicle. Third-party liability will also provide financial support in case of the insurance holder demise in an accident.

Theft Protection:

This will provide a compensation amount to the insurance holder if the vehicle steals. However, you can except this coverage if you are using the latest safety measures with your vehicle. Installing a GPS tracker, locking the bike properly, and keeping it in a garage or safe location will protect your bike from getting stolen.

Fire and explosion Protection:

If your bike is old and has an engine heating problem then you must opt for this coverage. This coverage will reimburse the cost of your bike in case of fire, explosion or any ignition hazard 

Natural or manmade calamities:

Any loss due to landslide, earthquake, flood or cyclones includes in natural calamities protection. Suppose you are living in a hilly area that is highly prone to landslides, or near the sea that is likely to flood. Then you can choose for this protection while two-wheeler insurance renewal.

You can also take protection for the unpredicted manmade calamities such as terror attacks, riots, and theft. Further, you can also neglect this if you want to lower the premium rates. 

Exclusions in a two-wheeler insurance policy:

  • Damaged caused due to wear and tear.
  • The damage due to war and nuclear weapons is not covered under the insurance policy.
  • The damage caused in the tire tube due to the running of the vehicle will not be considered.
  • Accidents due to driving under the influence of alcohol and drugs are not covered under any insurance policy.
  • Accidents due to over speeding are strictly unconsidered under the policy.
  • It is important to have a driving license of the driver or the bike owner to make a claim for two-wheeler insurance. Apart from this, the driver must have all the safety equipment such as helmet and shoes.
Conclusion:

These are some basic coverage that is essential if you are driving your bike on the road. However, you can choose the coverage according to your requirement and financial sources. You can also opt-out of the coverages that are not mandatory for your bike and save a little more in the premium. Make sure to compare all the two-wheeler insurance policies side by side before renewing it.