TVS XL Heavy Duty Insurance
TVS XL Heavy Duty Insurance Policy starting from ₹752 only

Third-party premium has changed from 1st June. Renew now

Purchasing a two-wheeler insurance policy for your TVS XL Heavy Duty is a no brainer given the rising number of road accidents in India. However, with a large number of insurance options available at your disposal, it can become difficult to settle for one. Take a look at how to choose the most ideal one!

TVS has been a reputed automobile manufacturer in India for the past few decades. Headquartered in Chennai, TVS is known to produce consumer-friendly products that suit everyone’s needs. While they also sell stylish, luxury and premium models, most products are targeted toward regular commuters. One such product is the XL Heavy Duty two-wheeler.

As the name suggests, the XL Heavy Duty is built to haul heavy products from place to place. Since its launch, the vehicle has met tremendous success, especially in the rural regions of Southern India. The load-lugger is often used to transport goods and is, therefore, a means of livelihood for thousands of owners.

Thus, safeguarding this possession is vital. Buying a TVS XL insurance policy is the most effective way to guarantee protection for the vehicle, as well as your finances. Moreover, under the Motor Vehicles Act of 1988, driving a motorised two-wheeler without valid insurance is unlawful. It can lead to fines of Rs.2000 (Rs.4000 for repeated offence) and even suspension of your driving license in severe cases.

However, before delving further into insurance policies for the vehicle, read up on some of its more impressive features.

What’s Covered in TVS XL Heavy Duty Insurance

Why Should You Buy Digit's TVS XL Heavy Duty Insurance?

Types of Insurance Plans for TVS XL Heavy Duty

Third Party Comprehensive Own Damage

Damages/Losses to own two-wheeler due to an accident

×

Damages/Losses to own two-wheeler in case of fire

×

Damages/Losses to own two-wheeler in case of a natural calamity

×

Damages to Third-Party Vehicle

× ×

Damages to Third-Party Property

× ×

Personal Accident Cover

× ×

Injuries/Death of a Third-Party Person

× ×

Theft of your scooter or bike

×

Customize your IDV

×

Extra protection with customized add-ons

×
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Know more about the difference between comprehensive and third party two wheeler insurance

TVS XL 100 Heavy Duty - Variants & ex-Showroom Price

Variants ex-Showroom Price (may change as per the city)
XL 100 Heavy Duty Kick Start ₹ 44,093
XL 100 Heavy Duty i-Touch Start - SE ₹ 50,043
XL 100 Heavy Duty i-Touch Start ₹ 56,872
XL 100 Heavy Duty Winner Edition ₹ 60,640

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.

How fast are Digit Insurance Claims Settled? This is the first question that should come to your mind when switching your insurance company. Good you’re doing that! Read Digit’s Claims Report Card

TVS XL Heavy Duty: Features You should Know About!

Often used to haul heavy goods, this particular vehicle from TVS boasts features that fit perfectly with its job role. Additionally, TVS has kept the price point of the two-wheeler under check to make it affordable for average Indians residing in the rural regions. Here are some of the specifications of the moped.

  • It sports a 100cc engine that can deliver up to 4.35PS power and 6.5Nm of torque.
  • The engine features a 4-stroke single cylinder.
  • Another impressive aspect of the bike is its brilliant mileage. The company claims that it can run 67km per litre of fuel, which would significantly reduce fuel expenses for the owner.

Nevertheless, the possibility of accidents involving this motorcycle is quite high, especially when carrying heavy goods and materials on the vehicle. It is, therefore of utmost importance to have an insurance policy for the vehicle in place.

When considering picking up such a plan, you must look into Digit’s offerings. It is one of the foremost motor insurance sellers in the country.

But, why Digit? Well, how about the following 8 reasons.

Why Choose Digit for TVS XL Heavy Duty Insurance?

Digit has made its name in the insurance field by providing a range of useful products. Here are some features you can look forward to if you choose a policy from us - 

  • Over 1000 Network Garages Across India - Digit is associated with a wide number of network garages across the country. If an existing Digit policyholder chooses to repair his or her covered vehicle from one of these service centres after meeting with an accident, they can avail the benefit of cashless repairs. This way, the policyholders will not have to arrange for cash to get their vehicle repaired on an emergency basis.
  • Highly Customisable Insured Declared Value - You are free to increase or decrease the IDV sum for your policy at Digit, thereby, directly affecting the financial compensation you receive when your two-wheeler has been stolen or totalled. Higher IDV is always desirable since greater monetary assistance can help afford a new vehicle to replace the one that you lost.
  • 24x7 Customer Service Availability - Whether it is in the middle of the night or during weekends, our customer assistance is available at all times. Digit understands that emergencies occur unexpectedly. Therefore, our customers can reach out to us whenever necessary. Our trained staff will help resolve any queries and issues regarding your TVS XL insurance policy.
  • Lightning Fast Claims and Settlement - We ensure that the process of filing a claim is extremely easy to follow. You can simply log in to our online portal and fill up a claim filing form. Your claim can be filed in a matter of minutes. Our smartphone-enabled self-inspection process simplifies the process even further. The claim settlement occurs just as fast, ensuring that you can start repairs on your vehicle without any delay. This is crucial, especially for a load-lugger vehicle such as the TVS XL Heavy Duty.

Choice of Plans Available - Digit offers a number of options to customers when it comes to picking the perfect policy. Here are the ones you can choose from:

  • Third-party Liability Two-Wheeler Insurance Policy– This is the most basic cover, which covers your financial liability to the third party injured or property/vehicle damaged by an accident involving your vehicle. While this is the cheapest option, the cover is not sufficient, as you cannot claim the plan for damage to your own vehicle.
  • Comprehensive Two-Wheeler Insurance Policy – This policy combines third-party liability benefits with self-damage cover. Thus, both you and the third party can claim financial aid from such a policy after any mishap. Additionally, you can also claim in the event of damage to your moped because of fire, manmade or natural calamities and theft.

You can also avail an own damage cover, which is a special plan where you can claim the benefits of a comprehensive cover minus third-party benefits. However, you can only avail this policy if your bike was purchased post-September 2018 and is a new purchase, as opposed to a second hand vehicle.

  • Online Renewal and Policy Purchase - Instead of visiting the insurance company’s offices, Digit allows you to meet all your policy-related needs from the comfort of your home. Whether it is purchasing your plan or renewing it, all you need to do is visit our online portal and proceed from there. With a range of digital payment modes supported, you can buy insurance in a matter of minutes. A similar process is followed for the renewal of an existing plan. The timesaving process also reduces hassle for the policyholder. 
  • Attractive No-claim Bonus Benefits - Safe drivers, who normally avoid accidents, can look forward to a host of benefits from Digit. With each claim-free term, you earn discounts on premium payments for the policy. Thus, a no-claim bonus can effectively lead to cheaper rates for your selected policy during renewal. Digit also allows you to club these discounts for a higher rebate. 

A Range of Add-ons to Choose From - If your base policy seems to offer insufficient protection for your specific needs, Digit allows you to pick from a range of supplementary add-ons to enhance your financial safety. Listed below are some of the add-ons you can pick:

Regardless of which add-on you choose, it will increase your premium burden. However, picking such options is still a wise move.

Thus, with such benefits and more, Digit makes the ideal choice to cover your TVS XL Heavy Duty bike!   

FAQs about TVS XL Heavy Duty Insurance Policy in India

What happens to my NCB if I fail to renew the TVS XL insurance before its expiry?

Failure to renew the policy can lead to insurance policy lapse. In such an event, you will lose all accumulated NCB benefits as well.

Can I reduce my financial liability with IDV increase?

Yes. IDV or Insured Declared Value refers to the sum of money you can claim from your insurer in case the insured vehicle undergoes irreparable damage or theft. Higher IDV limits your loss under such a circumstance.

How can I avail cashless repairs on my bike?

As a policyholder, you can seek cashless repairs for your bike by seeking out network garages for your insurer. These special garages can help you claim the insurance directly at the time of repair without needing to resort to a reimbursement method.