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Insurance Article

Secure your two-wheeler with motor cycle insurance and enjoy stress-free commute

January 29 2013

However, accidents and natural disasters are unexpected and beyond anyone’s control. Your bike, like several of your other assets is also prone to damage from such unfortunate events. In order to gain respite from the constant worry of damage to this highly convenient and utilitarian investment, buying a correct bike insurance policy is the best bet.

The insurance policy may takes into account damage to your bike due to accidents as well as injuries to the rider and the pillion rider. New-age motor cycle insurance policies address the various needs of riders and offer appropriate covers for the same. The internet is an easy and reliable option to look for a perfect bike insurance plan which offers desired level of coverage. Buying a policy online is not only time saving but also convenient as you need not locate an insurance office. As all transactions occur online, policy payment is quick and hassle-free and you also get a digitally signed policy from the insurance provider almost instantly.

According to the Motor Vehicle Act, the coverage for third party liability insurance is the minimum required coverage for every two wheeler insurance policy in India. In case of policy expiration, you are likely to be heavily fined if caught. This third party coverage offers respite from incurring any financial loss due to death or severe injury to any person or their property in the event of an accident. You may also get coverage against any legal liability which could occur as a result from the unfortunate event.

An accident can leave your motor-cycle damaged and getting your vehicle repaired promptly is of utmost importance. If your bike is secured with a motor cycle insurance cover then you can avail of the cashless claim facility. With this feature, you can get access to a network of over 2900 garages across India and get your vehicle optimally serviced. You need not worry about repair charges as the bills are settled by the insurance provider.

The coverage for no claim bonus is one of the beneficial features of your two wheeler insurance policy. If you do not make claims in the previous policy period, an NCB can be availed of at the time of renewal. You may then get a discount on the own damage premium amount of your insurance cover and this NCB value increases with every claim-free year.

All the above listed features will help you secure the optimal coverage to insure your motorbike so that unforeseen events do not deplete your finances.

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