Following are the car insurance add-ons available for Indian Motorcycle bike insurance:  

• Zero Depreciation Cover
• Return to Invoice Cover
• Engine & Gear-box Protection Cover
• Consumable Cover
• Breakdown Assistance
• Tyre Protect
• Daily Conveyance Benefit
• EV Shield Add-on Cover

Ever since 1901, Indian Motorcycle has brought numerous stunning cruiser motorcycles to the table. This company also manufactured reliable motorcycles for the military in World War I and II.

When it comes to bikes, Indian Motorcycle always meets the buyers’ expectations in terms of design, comfort and build quality. The present-day cruiser line-up of Indian Motorcycle includes - Scout, Indian Springfield, Chief, Chieftain, Roadmaster and Indian Challenger. Apart from these, Indian Motorcycle also has a street bike line-up known as FTR. 

So, this company caters to city commuters as well as adventurous, long trip enthusiasts. All Indian two-wheelers bring along excellent handling and performance which make them suitable for beginners and pro riders alike.

An Indian Motorcycle two-wheeler insurance is crucial if you wish to rule out the possibility of extensive future expenses. Besides the vehicle, a sound two-wheeler insurance policy also protects the rider in various ways. 

Read through to know more about it.

• Protection From Penalties - The Motor Vehicles Amendment Act 2019 has made it compulsory for all motorcycle owners to own third-party two-wheeler insurance for their vehicles. Failure to abide by this law will bring forth a penalty of  ₹ 2,000 for the first time and  ₹ 4,000 for the ones that follow. It can further lead to licence cancellation.

• Third-party Coverage - If you meet with an accident on your Indian bike and inflict damage to any third person or third-party property, your third-party insurance policy will come into play and cover the damage expenses on your behalf.

• Personal Accident Cover - As per the Insurance Regulatory and Development Authority of India or IRDAI, PA cover is compulsory for all two-wheeler owners or riders in India. So, if a policyholder faces death or permanent bodily injuries leading to disablement, the insurance provider will provide substantial financial support to his or her family. 

• No Claim Bonus - In addition, some responsible insurance companies reward their policyholders for each claim-free policy term they successfully complete. This reward or bonus reduces the premium of that insurance policy from 20% to all the way up to 50% depending on the number of claim-free years.

• Own Damage Cover - If your bike suffers from extensive damages in an accident or due to fire, natural disasters or theft, the insurance company will provide significant financial support to repair these damages as per the terms of your Indian Motorcycle two-wheeler insurance policy.

Keeping these above-mentioned benefits in mind, Digit can be a suitable option for your Indian Motorcycle two-wheeler insurance.

Before selecting an insurance provider, you should consider the benefits different insurers extend to you apart from the Indian Motorcycle two-wheeler insurance cost. Digit, in this regard, presents several lucrative benefits to its two-wheeler insurance policyholders.

Let’s dive in to find out more on this.

• Different Insurance Policies - Digit brings you several two-wheeler insurance policies to choose from. This way, you can opt for the one best suited to your preferences. Digit’s policy options are:

• Third-party Bike Insurance Policy - As stated earlier, a third-party insurance policy is compulsory for your Indian bike by law. This policy financially covers the liabilities arising from third-party damages inflicted by your two-wheeler in an accident. As per this policy, the affected third party can claim financial support from Digit to repair the damages caused by your motorcycle. This policy can also relieve you from all related litigation issues.

• Own Damage Cover - Existing third-party bike insurance policyholders can opt for this standalone cover if they want to safeguard their finances against damages to their two-wheelers caused by theft, fire, accidents, natural and artificial disasters. Existing third-party bike insurance policyholders need not wait for their policy term to end in order to opt for Own Damage Cover.

• Comprehensive Bike Insurance Policy - Digit’s comprehensive bike insurance policy provides financial coverage for your motorcycle against both own and third-party damages. This policy also opens the door to several add-on covers which can be availed by policyholders for additional charges.

• Various Add-on Covers - Digit’s comprehensive Indian Motorcycle two-wheeler insurance policyholders get the option to avail various add-on covers for their vehicles. They are -

  • Zero Depreciation Cover 
  • Roadside Assistance
  • Consumable Cover
  • Return to Invoice Cover
  • Engine Protection Cover

• Simple Online Procedure - With Digit’s optimal level of clarity on the official website, you no longer need to endure the hassle of tedious and lengthy paperwork. You can opt for a suitable Indian Motorcycle two-wheeler insurance policy online from the convenience of your home. Digit’s website also allows you to renew your policy or upload your claim related documents in a hassle-free manner.

• IDV Customisation - Digit Insurance lets you modify the IDV of your Indian two-wheeler as you deem fit. Any modification in the Insured Declared Value of your bike also reflects on your policy premium accordingly. So, you will be fully aware of the exact compensation amount that Digit will extend to you if your two-wheeler gets stolen or damaged beyond repair.

• 24x7 Customer Support - Digit works with a dedicated customer support team that ensures 24x7 assistance with your two-wheeler insurance. You can simply reach them at 1800-258-5956 and get your queries resolved in an instant.

• Plenty of Network Garages - Digit Insurance has also collaborated with numerous garages across the country. So, if you ever, unfortunately, get involved in an accident, there will always be a network garage nearby offering cashless repairs for your Indian bike.

Digit also allows you to reduce your policy premium by going for higher deductibles and avoiding minor claims. Having said that, going for a lower Indian Motorcycle two-wheeler insurance policy premium is not recommended since you will then be compromising on these convenient benefits. So, get in touch with Digit to obtain further knowledge on your two-wheeler insurance.

Yes, there are a few methods which you can employ to reduce the premium amount for your two-wheeler insurance policy. Be it Indian Motorcycle bike insurance renewal online or its purchase, you must check these tips discussed below to ensure that you are not paying more than what is necessary for your insurance policy:

• Purchase the Insurance Directly from the Insurer - Avoid any agent or broker while buying your insurance policy. Most insurance providers offer the option to buy their policies online by following a simple procedure. This facilitates you to purchase the policy directly from the insurance company and avoid any intermediary and their subsequent charges.
• Apply for the Add-Ons which are Absolutely Necessary - While finalising on the policy, check which add-on covers you really need. Every add-on cover adds to the premium amount, and you should be careful to avoid them unless you really need them.
• Check for No-Claim Bonus Benefits - No Claim Bonus benefits are offered to policyholders if they do not raise any claims against their policy in a year. This benefit is extended as a discount on the premium for the policy in the subsequent year.
• Opt for Voluntary Deductibles - You can opt for voluntary deductibles on your insurance policy that will require you to settle a part of your claims before your insurance coverage kicks in. If you opt for this deductible, you can consequently save on your premium payment for the policy.