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Buy/Renew Kinetic Scooter Insurance Online
Kinetic Engineering Limited is a home-grown automobile manufacturer established in 1972 by HK Firodia. In the initial times, the company was synonymous with Luna and gearless scooters under the name of Kinetic Honda and then Kinetic Motors. In fact, its first gearless scooter KH 100, was an ‘in-demand’ model of the time.
So, if you still ride any of the models, ensure to obtain a Kinetic scooter insurance policy to unburden possible financial drains.
In fact, the Motor Vehicles Act of 1988 states that every two-wheeler owner must opt for a two-wheeler insurance policy to ride legally in India.
What’s Covered in Kinetic Scooter Insurance
What’s not Covered
It is equally important to know what’s not covered in your two-wheeler insurance policy, so that there are no surprises when you make a claim. Here are some such situations:
In the case of a Third-Party or Liability Only Bike Policy, damages to own vehicle won’t be covered.
Your bike insurance won’t cover for you in situations where you were riding drunk or without a valid two-wheeler licence.
If you hold a learner’s licence and were riding your two-wheeler without a valid licence-holder on the pillion seat- then your claim in those situations won’t be covered.
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged two-wheeler is being used incorrectly and the engine gets damaged, it will not be covered)
Any contributory negligence(e.g. damage due to driving a two-wheeler in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Why Should You Buy Digit's Kinetic Scooter Insurance?
Kinetic Scooter Insurance Plans that Fit Your Needs
Third Party | Comprehensive | Own Damage |
Damages/Losses to own two-wheeler due to an accident |
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Damages/Losses to own two-wheeler in case of fire |
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Damages/Losses to own two-wheeler in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your scooter or bike |
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Customize your IDV |
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Extra protection with customized add-ons |
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Get Quote | Get Quote | Get Quote |
Know more about the difference between comprehensive and third party two wheeler insurance
Add-ons Available for Kinetic Scooter Insurance
Following are the car insurance add-ons available for Kinetic Scooter 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
How to Buy/Renew Your Kinetic Scooter Insurance with Digit?
Step 1
On the Digit App or website, enter bike’s registration number, select the policy status and click on ‘View Prices’.
Step 2
Select the plan, add-ons and click on ‘Continue.’
Step 3
Enter your personal, nominee and vehicle details and click on ‘Pay Now.’
Step 4
Complete the payment and mandatory KYC verification process.
Step 5
You’re done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
How to file a Claim?
After you buy or renew our two wheeler insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Just call on 1800-258-5956. No forms to be filled.
Step 2
Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.
Step 3
Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.
A Brief History of Kinetic Scooter Two Wheeler
Kinetic Engineering joined hands with Honda Motor Company to launch electric start and gearless transmission scooters such as DX, EX ZX and Marvel, awarded the ‘Scooter of the Year’.
However, in 1998 the companies renounced after Firodias acquired a majority stake. Then, from 2000 to 2008, Kinetic introduced a range of two-wheeler models such as -
- Y2K
- ZX Zoom
- Nova
- 4S
- Kine
- Jupiter
- Blaze
Among these, Zoom was a notable electric model available in vast colour schemes. It came with a 3-year guaranteed battery that took nearly 3 hours to charge optimally. The model provided a mileage of 100km/charge. It further featured-
- Parking switch
- Digital speedometer
- LED lamp
- Cruise switch and more
After 10 years, Kinetic collaborated with Mahindra Automobiles to re-establish its stature by designing high-tech two-wheeler models. Later, the company discontinued scooter production and started dealing with automobile parts.
Nonetheless, Kinetic scooters were expensive back in those days. Also, their replacement parts will be hard to find as they are out of production now. Therefore, it will be wise to opt for a new or renew your old two-wheeler insurance policy to confirm financial safety.
Why You Must Opt for Kinetic Scooter Two Wheeler Insurance Policies
Your insurance for Kinetic Scooter will provide financial coverage on repair and replacement expenses and other benefits. They are-
Third-Party Coverage - This is a compulsory two-wheeler policy for every motorist in India. If your bike hits another vehicle, person or property in an accident, the insurance company will provide financial aid to compensate for all the losses.
In case you fail to produce your third-party insurance documents, you have to pay a hefty penalty of ₹ 2,000 for a first-time offence and ₹ 4,000 for the subsequent ones. You may even end up in jail for 3 months.
Personal Accident Cover - As per the IRDAI, insurance companies have to provide PA cover to their customers. Under this protection, the insurer extends ₹15 lakhs compensation to the rider’s family members if he/she dies or undergoes permanent or partial disablement.
Own Damage Protection - Accidents can be severe enough to damage your motorcycle. Besides, your two-wheeler is exposed to other threats such as floods, earthquakes, fire, theft, thunderstorms, etc. Under such cases, your insurer will pay for the repair/replacement against your policy.
No Claim Bonus Benefit - Insurance companies reward their customers with a No Claim Bonus if one does not file a claim for an entire year. This bonus acts as a discount on the premium and ranges from 20% to 50%. The discounts depend on the number of non-claim years.
In this regard, Digit Insurance is a reliable option for a two-wheeler insurance policy.
Why Must You Choose Digit for Your Kinetic Scooter Two-Wheeler Insurance?
Apart from Kinetic Scooter insurance price, there are other factors you must evaluate, such as IDV, add-on options available and more. Digit Insurance assures all these benefits and other additional offers to ensure you complete financial coverage and swift service.
Read through to know about them.
Two Policy Options - Digit extends tailored insurance plans at your convenience. You can pick from the following options.
Third-Party Policy - If your Kinetic scooter hits another person or a vehicle or property, Digit will compensate for the losses against your policy. Besides, it will handle any litigation concerns that are common in such cases.
Comprehensive Policy - Under this plan, you no longer have to pay for repair or replacements. That means that this plan provides Own Damage protection if your bike undergoes damages due to an accident and other mishaps such as flood, earthquake, fire, theft, etc. The comprehensive policy even provides third-party coverage.
Note: Third-party policyholders can elevate their basic plan by opting for Own Damage protection separately.
3-Step Claim Filing Process - To ensure a hassle-free experience, Digit facilitates its customers with a self-inspection system that speeds up the claim filing procedure. All you have to do is-
- Call on 1800 258 5956 to get a self-inspection link on your registered mobile number
- Attach all the required photographs of your damaged motorcycle on the link
- Choose between the available modes of repair- ‘Reimbursement’ or ‘Cashless’
Buy or Renew Policies Online - You can now make a quick choice between which one to opt for third-party or comprehensive policies. Digit offers Kinetic Scooter insurance online, and you just need to visit the official website to make an informed choice. Now, if you already are a member, log in to your existing account for hassle-free Kinetic Scooter insurance renewal.
Policy Alteration With Add-ons - Digit gives you a chance to expand your insurance policy coverage by including add-on covers from the following options-
- Engine and gear protection
- Consumables
- Roadside assistance
- Return to invoice
- Zero depreciation
Note: To continue the benefits, you need to increase your Kinetic Scooter insurance renewal price.
IDV Modification - Digit allows its customer to decide Insured Declared Values as per their convenience. So, if you select a higher IDV against additional charges, you will receive higher compensation in case your Kinetic scooter gets stolen or damaged beyond repair.
Dependable Customer Support - Digit boasts a reliable team of customer care offering service 24X7. So, whether it is a Sunday or a national holiday, you will find Digit customer care executives at your service.
4400+ Digit Network Bike Garages - Now travel tension-free to any corner of India. You will find a Digit network garage in the vicinity offering cashless repair against your two-wheeler insurance policy.
Along with these, Digit also helps you lower the premiums payable. So, if you choose higher voluntary deductibles and avoid small claims, your Kinetic scooter insurance premiums go down as well.
Nevertheless, you must remember that a lower premium does not assure complete financial protection. Therefore, make a cautious choice to avoid unnecessary financial stress.
How Can You Reduce Your Kinetic Scooter Two Wheeler Insurance Premium?
Yes, there are a few methods which you can employ to reduce the premium amount for your two-wheeler insurance policy. Be it Kinetic Scooter 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.
FAQs about Kinetic Scooter Insurance Policy Online in India
Does Digit provide tyre protection add-on cover?
No, Digit Insurance does not offer tyre protection add-on cover.
Should I opt for a comprehensive Kinetic scooter insurance policy for my old two-wheeler model?
Whether you should or should not opt for comprehensive two-wheeler insurance depends on your motorcycle’s age and how much you use it or plan to use. If your scooter is 10 years old, you probably should go for a comprehensive plan.