Following are the car insurance add-ons available for Yamaha 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

Yamaha is a Japanese manufacturer of motorcycles, established in 1955. You can find its headquarters in Shizuoka, Japan. In India, Yamaha initiated operations as a joint venture in 1985. Today, the company operates three manufacturing plants within the country, located at Haryana, Uttar Pradesh and Tamil Nadu.

Yamaha’s customer-oriented approach is the primary reason for its success. With more than 500 dealers across the country, Yamaha consumers can choose from Sports bikes, superbikes, street bikes and scooters.

Here are some of the popular Yamaha models available in India.

• Yamaha YZF R15 V3
  
• Yamaha MT 15
  
• Yamaha FZ S V3
  
• Yamaha Fascino
  
• Yamaha FZ25
  

Yamaha’s range includes premium, expensive bikes and at the same time a more affordable line-up. Regardless of the bike’s pricing, picking a proper Yamaha bike insurance plan is essential.

Such plans can help you avoid financial liabilities arising from damage sustained by your vehicle or a third-party in case of road accidents.

Why are Yamaha Bikes so Popular in India?

Yamaha bikes have managed to retain one of the top spots in the country, primarily due to the following reasons.

• Wide Range of Products – Unlike many other companies, Yamaha caters to both occasional and regular riders. With such a wide variety of vehicles on offer, the prices tend to differ significantly as well. Depending on your interest, budget and requirements, you are free to purchase the bike or scooter most suitable for you.
  
• Performance-Oriented Bikes – Each bike from Yamaha comes with guaranteed superior performance. The engine’s cubic capacity, handling, suspension and other major parts of the vehicle are built to last while providing you with the best riding experience.
  
• Superior Customer Service – Yamaha is a global brand with a worthy reputation. The company, thus, offers top-notch customer care services. Right from resolving small queries to helping you learn more about the bike, Yamaha’s customer care services make you feel as if you are a valued member of the worldwide Yamaha family.  
  

Now that you know what makes Yamaha bikes so desirable to the Indian populace, you must also determine how to safeguard such a valued possession. 

Your bike (and your investment in it) is only truly secure when you purchase insurance cover for it.

Even with bikers exercising utmost caution while riding their vehicles, catastrophic accidents can take place at any given time. In fact, a 2016 survey shows that bike/scooter riders account for around 25% of total road accident deaths. (2)

Here are some reasons why purchasing such a bike insurance policy is essential:

• Compulsory under Indian Law – As we have mentioned before, the Motor Vehicles Act, 1988 mandates that no motor vehicles can ply on Indian roads without basic third-party liability insurance cover. Therefore, bike owners do not really have a choice when it comes to availing this minimal protection. If you are found riding your Yamaha bike without at least a valid third-party liability insurance policy, you will be penalised with a traffic fine amounting to Rs. 2000 and Rs. 4000 for repeat offences. 
  
• Protection Against Legal Liability – If your bike is involved in an accident and damages or injures a property or an individual, a third-party Yamaha bike insurance plans offer significant financial assistance to the affected party. If you are without insurance, you are held legally accountable for the loss suffered by the third-party. 
  
• Theft Cover – Insurance providers not only protect your Yamaha vehicle against accidental damages but also offer a significant payout in the event of total loss or theft. With this money, you can look for a replacement bike, without incurring substantial monetary losses. 
  
• Reimbursement for Own Damage Repairs – Accidents do not just cause damage to the property or person of a third-party. The damage to your own bike can also be quite extensive. Third-party liability policyholders cannot claim their insurance plan to recover the expense of repairing their own vehicle. However, with a comprehensive Yamaha insurance scheme, you can receive such aid as well.
  
• Lump Sum Payout for Death/Disability – If the bike accident leads to the death or permanent disability of the policyholder, two-wheeler insurance policies can offer financial aid to their family members under the personal accident add-on cover, thus helping them sustain their livelihood.

How can You Reduce Your Yamaha Insurance Premium?

Insurance for your bike is mandatory. However, you can only pick the best coverage if you have the necessary financial backing. If you lack sufficient finances, you can use the following tactics to lower your premium burden - 

• Make your NCB Work on your Behalf - The No Claim Bonus benefit is the most convenient way through which you can reduce the premium payment for two-wheeler insurance policy. To enjoy the NCB discount on your premium, make sure that your insurance provider extends the benefit to you. Also, try and ride your Yamaha bike carefully on the roads to reduce the possibility of raising claims and consequently enjoying the NCB benefits. 
  
• Opt for Voluntary Deductible - A compulsory deductible is set by the insurance provider. You do not have any say in it. However, if you are looking to further reduce your premium burden from a policy, you can opt for voluntary deductible facilities. When you opt for voluntary deductibles, the insurer also lowers your premium payable for the plan, significantly.
  
• Deal Directly with Insurance Companies - Buying a cover from an intermediary or a broker will cost you more since they have their charges factored in. Therefore, rather than purchasing a policy from a broker, approach the insurance company directly. Not only will this let you avail policies at lower prices but also help you make an informed decision when picking the most suitable product.
  
• Buy Add-Ons Only when Needed - A comprehensive Yamaha bike insurance policy generally includes all-round financial protection against most situations. Simply adding riders to your plan without putting any thought into it can greatly increase the premiums for a policy without truly adding any security to your finances.
  

Remember, when buying insurance policies for your prized bike, you should consider the cover it offers, along with the insurer’s reputation. Do not simply pick the least expensive policy if you want to guarantee financial protection during two-wheeler accidents.

There are several companies that offer insurance policies for two-wheelers in India. Listed below are some reasons why you must consider Digit’s policies when trying to avail superior financial protection for your Yamaha bike -

Availability of Different Types of Two-Wheeler Insurance Policies - Digit offers several choices under their two-wheeler insurance policies, these include - 

• Third-party Liability Two-Wheeler Insurance Policy – This insurance policy covers the financial losses you incur due to damages to any third party vehicle, property or individual caused by your two-wheeler. 
  
• Comprehensive Two-Wheeler Insurance Policy – This is an all-round protection plan, offering coverage for both own damage and third-party damage from accidents. Additionally, such a Yamaha motor insurance policy allows you to claim financial benefits in the event of damage sustained due to fire, theft or natural and man-made calamities. 
  

Moreover, Digit offers also offers an own damage bike insurance for Yamaha two-wheeler owners. You can avail the benefits of this cover if you have purchased your vehicle after September 2018. This policy provides the benefits of a comprehensive insurance cover sans the coverage for third-party liabilities.

• More than 1,000 Network Garages - The availability of a higher number of network garages allows you to seek cashless repairs for your bike more easily, without having to worry about your location. Digit has more than 1,000 network garages across the country. Therefore, regardless of where your bike suffers an accident in India, you will likely find a network garage nearby. 
  
• Paperless Purchase and Renewal of Your Insurance Policy - Digit allows you to purchase Yamaha insurance online, following a hassle-free and streamlined procedure. Start by visiting our official website and navigate to the two-wheeler insurance plans. Compare the various kinds available and buy the most suitable one. The last step in the transaction is paying the premiums online to initiate policy coverage. The renewal procedure is as simple. Fill up your policy details online, pay the yearly premium and avail uninterrupted cover on your scooter or bike. 
  
• Avail Better Protection for Your Yamaha Two-Wheeler with a Variety of  Add-Ons - If a particular two-wheeler insurance policy from the company seems insufficient, you can freely alter certain aspects of it by availing additional protection through add-on covers. Digit offers many useful add-ons, each of which can significantly improve the insurance coverage. Some of the available ones include:
  
  • Zero depreciation cover
    
  • Return to invoice cover
    
  • Consumable cover
    
  • Engine and gear protection cover
    
  • Breakdown assistance
    

Consider and pick carefully to maximise your benefits from the two-wheeler insurance policy.

• Stellar Customer Service - When picking Yamaha insurance plans, you must pay close attention to the insurer’s quality of after-sales service. Fortunately, Digit’s customer care system is superior to most of its competitors in India. Available 24x7, policyholders can call up the company’s toll-free number to inquire about their coverage. Additionally, consult the representative if you have doubts regarding the claim filing and settlement procedure.
  
• Avail No Claim Bonus Benefits - We understand that you will take the utmost care while riding your Yamaha bike on the road. So, to reward you for that, Digit extends No Claim Bonus benefits that will allow you to avail discounts on your insurance policy premium for every consecutive non-claim year. You can avail an NCB benefit of up to 50% and make your insurance policy more affordable!
  
• Impressive Claim Process and High Settlement Ratio - Digit offers a streamlined online claim settlement process. With our smartphone enabled self-inspection you will be able to avoid the hassles of long-winded claim process and get your claims settled easily.  Further, the claim settlement ratio showcases the comparison of claims received by an insurer against the total claims settled in a particular year. Higher ratios indicate hassle-free and convenient settlement and vice versa. With Digit’s high claim settlement ratio you can reduce the chances of your claim getting rejected.

Yes, there are a few methods which you can employ to reduce the premium amount for your two-wheeler insurance policy. Be it Yamaha 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.

Now, with a thorough knowledge of policies and premium reduction, you should make haste in selecting the right policy for your Yamaha two-wheeler. A few additional facts are also discussed below to help you with certain queries which might come up.