Bajaj Auto developed an automatic scooter named Kristal way back in 2007. The Indian automaker is widely popular for delivering two-wheelers with high technology, and Kristal is no different.

The auto-gear scooter offers improved fuel economy. Also, the fibre body makes Kristal lightweight and promises a nimble ride.

Now, whether you plan to buy this scooter or already own it, start looking for convenient Bajaj Kristal insurance schemes to safeguard your finances from accidental damages.

Also, the Motor Vehicles Act 1988 mandated third party two-wheeler insurance for every Indian rider. Such protection compensates for third-party damages. But, you can also opt for a comprehensive scheme as it ensures overall protection from third-party liabilities as well as own bike damages.

There are several insurance providers in the country that offer inexpensive insurance covers mated with lucrative benefits. Digit Insurance is one such insurer. 

The next segment describes the features of Bajaj Kristal, the significance of motorcycle insurance and the reasons to choose Digit Insurance.

The primary mission of Digit Insurance is to offer a seamless bike insurance experience to all its customers. Also, Digit has crafted its bike insurance policies considering the diverse requirements of its customers. The below reasons will make it evident why Digit is an ideal option for bike insurance.

• Offers Different Types of Policies - While some riders look for third-party coverage to remain road legal, some opt for a comprehensive scheme for better-rounded protection. However, at Digit, you get to select from 3 different types of two-wheeler insurance coverage.

  • Third-Party Scheme - This scheme settles the expenses required to repair or compensate for any third party damage, be it a person or a property. 
  • Comprehensive Scheme - This scheme takes care of both third-party and own damage expenses. The best part of this policy is it covers your motorcycle from unpredictable circumstances such as fire, theft, natural and man-made disasters and more.
  • Own Damage Protection - The IRDAI has also introduced a standalone own damage coverage to financially help policyholders from their own bike damages and losses. Only individuals who have bought two-wheelers after September 2018 can opt for this scheme.

• Extends 100% Digitised Process - Digit does away with conventional formalities involved in buying or renewing a policy. To buy Bajaj Kristal insurance online, just visit its official website and navigate through the policy options given. And for Bajaj Kristal insurance renewal online, log in to your account and follow the instructions provided. 

• Choose from Seven Additional Covers - Digit brings you seven add-on benefits against a minimal increase of your premium to offer the customers well-rounded protection. You can select from the following options-

  • Tyre protection cover
  • Zero depreciation cover
  • Engine and gearbox protection cover
  • Consumable cover
  • Return to invoice
  • Breakdown assistance

• Quick Claim Settlement - Digit understands the urgency of your claims and thus tries to settle them at the earliest. Also, it extends a smartphone-enabled self-inspection system to fasten the process further. Policyholders only need to send the necessary photos in support of their claim for approval. Digit also settles the maximum number of claims and offers a high claim settlement ratio.

• IDV Customisation - Insured Declared Value or IDV is the maximum amount your insurance provider offers you as claim settlement in the event of theft or irreparable damage. Digit permits its customers to customise the IDV value to make an informed decision between optimal protection and lower premiums.

• 100% Transparency - Digit maintains complete transparency with its policies on the website. You do not have to worry about any hidden charges. Here, you pay only for the scheme you have opted for. In return, Digit provides financial coverage based on your Bajaj Kristal insurance.

• Nationwide Network Garages - Accidents can happen anytime at any place. So, Digit has collaborated with more than 4400+ garages for your convenience. Also, all of these Digit network bike garages offer cashless repair against your insurance policy.

• Impeccable Customer Care - Do not hesitate to clear your queries related to Bajaj Kristal insurance policy renewal or buying process. Digit’s customer care executives are available round-the-clock to answer your questions.

You have the liberty to reduce your policy premium if you choose a higher deductible and refrain from small claims. However, you should also know that a higher deductible encourages more personal expenses in future. Therefore, if you choose lower premiums, you can no longer enjoy the remunerative benefits.

So, it would be best if you connect with reliable insurance providers like Digit to gain clarity regarding Bajaj Kristal insurance.

To curb the two-wheeler accident rate in India, the Government had mandated motorcycle insurance for every biker. Also, two-wheeler insurance provides an array of lucrative benefits. Some of them are-

• Own Damage Protection - Besides accidents, your Kristal scooter is susceptible to other threats such as fire, natural disasters, theft, and more. These may damage your scooter extensively, and repairing such damage costs a fortune. But, you can avoid such expensive expenses with active two-wheeler insurance for Bajaj Kristal.

• Necessary Legal Compliance - According to the Motor Vehicles Amendment Act 2019, every motorcycle owner must have third-party bike insurance coverage. Any violation costs hefty fines of ₹ 2000 for a first-time offence and ₹ 4000 for subsequent ones. However, individuals may end up in jail for up to three months and get their license confiscated if they do not purchase or renew their policies.

• Personal Accident Cover - Fatal accidents may often cause deaths or severe injuries to the riders. Thus, the IRDAI (Insurance Regulatory and Development Authority of India) mandates riders to include a personal accident cover in their bike insurance policies. This scheme compensates for grave bodily injuries, demise, or permanent disability of policyholders due to an accident.

• Third-Party Damage Protection - If your Bajaj Kristal inflicts damage to a third-party person or property, then you have to bear the expenses. In such cases, third party motorcycle insurance will be of great help. Such a policy provides financial assistance to the affected party on your behalf. Moreover, the scheme also takes care of litigation issues that may arise in the event of an accident.

• No Claim Bonus - For every non-claim year, you can earn attractive discounts on your Bajaj Kristal insurance policy renewal. Also, the discounts bring down your premium amount and help you save more. If you buy your policy from a reliable insurer like Digit, you can enjoy a 50% discount on your policy premium after five consecutive non-claim years.

All these solidify the significance of bike insurance in India.

Loaded with innovative and advanced technology, Bajaj manufactured this scooter, especially for young women. Also, the scooter sports a decent design with an enhanced rev-up and acceleration.

Features

• Kristal features a 95 cc DTS-I engine capable of delivering a peak power of 7.2 PS at 7500 RPM. It also generates a maximum torque of 7.66 Nm at 5500 RPM.

• Kristal comes with a unique Penta lock system that helps riders open the fuel tank cap without any fuss. The under-seat fuel tank can hold up to 22 litres of petrol. Also, the manufacturer claimed a fuel economy of 50 km/litre.

• Bajaj installed an automatic gearbox which was way ahead of its time. This enables Kristal to reach 80 km/litre of top speed. 

• Bajaj Kristal DTS-i possesses user-friendly features such as an automatic headlight (which turns on when you drive in dark hours). Further, the SNS twin spring suspension set-up ensures a comfortable ride.

• The digital speedometer of Kristal also serves as a low battery indicator and fuel gauge with a reserve indicator.

• It also featured a maintenance-free battery and auto choke. The auto choke activates when the engine temperature falls below 40 degrees.

All these features make Kristal an ideal option for city commuting. But they do not ensure protection against accidental damages. Therefore, it is wise to buy or renew your Bajaj Kristal insurance to avoid a financial burden.