Hero Maestro two-wheelers – Learn all about what ranks them among the best two-wheelers in India and what you should look for before purchasing a two-wheeler insurance policy for it!

Hero has been consistently delivering some of the best two-wheeler vehicles in India. One of the most affordable and feature-rich offering from the Hero company is the Maestro. Targeted toward the budget-friendly section, the Maestro scooters deliver impressive performance and unmatched quality in their price range.

Are you ready to bring home your Hero Maestro?

Owning a Maestro is something you should be proud of. However, you must take care to protect your bike and your finances in the event of accidents while riding the vehicle. A Hero Maestro insurance policy should help you minimise any financial liability arising from such events.

Further, availing two-wheeler insurance for your Maestro is not optional. According to the Motor Vehicles Act of 1988, all motorised vehicles should have the least of a third-party liability insurance cover. If you fail to satisfy this requirement, you may be liable to pay traffic fines ranging up to Rs. 2000 and Rs. 4,000 for repeated offence. 

Introduced merely eight years ago, the Hero Maestro has managed to compete with older scooter ranges in the country. The Hero Maestro was launched in the O2 Arena in London, just after Hero and Honda formed two separate entities.

• Maestro was just the second scooter range from Hero, which primarily focuses on motorcycles. Attractive design and features, along with affordable pricing, have ensured its popularity.
• Fitted with a 110cc engine, this scooter is capable of delivering a mileage of up to 65 kmpl.
• In 2016, the Maestro Edge won the Scooter of the Year Award at the CNBC-TV18 Overdrive Awards. (1)
• Critics greatly praised the vehicle for the comfortable ride it offered, along with cutting-edge features, such as USB 3.0 charging port.
• In keeping with government regulations, Hero launched the Maestro Edge 125 with a BS-VI compliant engine to reduce emissions.
• The Hero Maestro secured the third spot when it came to the most popular scooters in India in 2017. In July of the same year, Hero sold more than 40,000 Maestro units, securing its supremacy in the market. (2)     

Thus, with such accolades and praise to its name, the Maestro is one of the best scooters when it comes to affordability and great performance.

But like every other two-wheeler plying on Indian roads, the Maestro is also exposed to risks like accident, theft and other damages.

Thus, if you purchase a Hero Maestro, ensure you have adequate protection against accidents. The best way to do so is to avail Maestro insurance at the time of purchasing the scooter.

But, before you purchase a policy, you must conduct the necessary research about the insurance providers in the country.

Digit is one such insurance company that provides a range of two-wheeler insurance policies for owners. 

Several reasons make Digit the best choice for your scooter insurance. Take a look at some of the major aspects below:

• Online Purchase and Claims - As a Maestro-owner, you will want to seek new facilities that reduce your hassle when it comes to insurance purchase and claims. Digit understands this and has, therefore, come up with a completely online process to buy and claim from two-wheeler insurance policies. The smartphone-enabled self-inspection process facilitated by Digit is especially helpful in this regard. This paperless approach leads to faster resolution of your applications, while also limiting your overall hassle.
• 24x7 Customer Support and Availability - You may need to claim the Hero Maestro insurance policy in the middle of the night, due to an accident. At such a time, you need a responsive insurance provider who can readily assist you, regardless of the hour. The 24x7 customer care services offered by Digit are to aid you in such situations. Simply call up and start the claim filing process.
• More than 1,000 Network Garages - Repairing your scooter’s accidental damage with money from your own pocket can be difficult, especially if you already own a decent insurance plan. Digit’s strong network of affiliate garages allows you to avail cashless repairs at more than 1,000 garages across the country.
• Simple Renewal Process - Policyholders looking for Hero Maestro insurance renewal can take advantage of a swift and easy procedure for doing the same. In keeping with the company’s digital presence, consumers can undertake their renewals through the internet as well. You do not need to submit any paperwork or wait for inspections to renew the plan successfully.
• Ability to Customise IDV - Insured Declared Value refers to a specified sum of payment that you are liable to receive from your insurer when your scooter is totalled or stolen. This value is calculated by considering the listed price of the vehicle minus the depreciation for the same. Higher IDV is always desirable to recover most of your investment in the two-wheeler in such unfortunate events. Digit allows you to customise IDV as per your needs. If you pick more substantial IDVs, you can claim higher sums when your Hero Maestro is damaged beyond repair.
• Attractive NCBs - If you enjoy a claim-free year with Digit’s policy, you will receive an attractive discount on your policy premiums upon renewal. The NCB continues to accumulate with successive claim-free terms and can range up to 50%, leading to even greater discounts on the policy premiums.
• Greater Number of Policy Options - Digit provides you with the flexibility to choose from several two-wheeler insurance options. 
• a) Third-Party Liability Two-Wheeler Insurance Policy – These policies specifically cover the damage sustained by the third party individuals, vehicles or property, in case of accidents involving your two-wheeler. However, you cannot claim aid for damage to your own scooter.
• b) Comprehensive Two-Wheeler Insurance Policy – Here, you can claim both third-party liability and own damage assistance for your Maestro scooter in case of accidents. Additionally, comprehensive policies also offer coverage in case of damage from fire, natural and man-made calamities, thefts, etc.

Additionally, you can also avail a standalone own damage two wheeler insurance cover for your Maestro scooter if you have purchased it after September 2018. This is a special form of insurance cover, where you can take advantage of comprehensive cover sans the third-party liability benefits. This policy is especially helpful for those who already have a third-party liability insurance cover in place and want to avail better-rounded financial protection for their vehicle.

Tailor Your Plans with Add-Ons - When picking Maestro insurance, you should look for all-round coverage. Thankfully, Digit provides such flexibility with thoughtful and affordable add-on covers, like:

• Zero Depreciation cover
• Breakdown Assistance
• Consumable cover
• Return to invoice cover
• Engine and gear protection cover

These add-on covers enhance your financial protection further.

Hero Maestro Insurance Policies for Popular Models

Hero produces two models of the Hero Maestro – the Maestro Edge and Maestro Edge 125. Digit provides model-specific insurance policies for both of them.

• Hero Maestro Edge - Hero Maestro Edge features a dual valve 110cc single-engine. With an automatic clutch and a maximum torque of 8.7 Nm, the Maestro packs a substantial punch. A Maestro Edge insurance plan can help you limit the financial liability arising from damage sustained to the scooter. Moreover, it can help you avoid any legal hassle that may emerge as a result of damage to a third-party during the accident.
• Hero Maestro Edge 125 - The Maestro Edge 125 is India’s first fuel-injection based scooter. The vehicle sports several sensors that allow for smart fuel supply. The technology also ensures impressive uphill drives, power-packed performance and much more. The scooter’s 125cc engine is capable of delivering powerful speeds. Additionally, 10.2 Nm max torque specification is impressive from such budget-friendly scooters.

However, regardless of the model of Maestro you possess, you should remember to purchase quality insurance policy for the same.

Choose your Digit two-wheeler insurance plan after considering your specific needs and requirements.