Given the success of the Yamaha Ray scooter, specially designed for women, the Japanese bike maker launched 2 Ray-Z variants targeted at men. The Ray-Z, introduced in 2013, offered outstanding performance coupled with sporty appeal.

If you still ride any of these models, obtaining Yamaha Ray-Z insurance is crucial. Besides, the Motor Vehicles Act of 1988 mandated motorcycle insurance for all two-wheelers in India. 

Now, before you pick an insurance provider, you need to go through specific parameters that suit your budget and requirements the best. Prominent insurers like Digit Insurance offer additional benefits to ensure maximum protection.

Digit Insurance brings an array of lucrative offers to relieve you from unnecessary and unavoidable damage repair expenses. Let us take a walk through the below section to understand what sets Digit Insurance apart from its rivals.

• Online Availability of Insurance Policies - Digit gives you the option to buy Yamaha Ray-Z insurance online. So, before booking your bikes, visit Digit’s official website to know more about the options available along with the prices. You can also opt for Yamaha Ray-Z insurance renewal online by signing in to their accounts.

• Wide Range of Products - At Digit, you get the opportunity to pick insurance policies as per your budget and requirements. For instance, 

Third-Party insurance policy, though being basic, offers complete protection from third-party liabilities. That means, if your bike inflicts damages to another vehicle or property or injures any person, Digit will bear all the expenses. Digit will also handle the litigation issues that may arise in such cases.

Comprehensive insurance policy offers broader protection, covering third-party liabilities as well as Own Damage repair expenses. Digit even gives you the chance to elevate your policy further with add-ons. 

Note: Third-party policy does not provide Own Damage protection. Therefore, to utilise such coverage, opt for standalone Own Damage protection against additional charges.

• Instant Claim Settlement - Now file a claim instantly in 3-easy steps.

  • Call on 1800 258 5956 from your registered mobile number to get a self-inspection link
  • Submit all the relevant images on the link
  • Select any mode of repair, “Reimbursement” or “Cashless”

• Policy Customisation With Add-ons - Digit Insurance presents 5 add-ons to help you elevate your base policy and save more money. The options are-

  • Return to invoice
  • Consumables cover
  • Engine protection
  • Zero depreciation 
  • Breakdown recovery

Note: You can now carry these add-ons forward after Yamaha Ray-Z insurance policy renewal against extra charges.

• Insured Declared Value Alteration - Another reason to choose Digit is its option to modify IDV. The higher the IDV, the higher compensation Digit will provide in the event of complete loss or irreparable damage to your bike. However, you can only utilise this benefit against extra fees.

• Wide Network of Garages - More than 4400+ Digit network bike garages are available to serve you at any corner of the country. You can also opt for cashless repairs from any of these garages.

• Reliable Customer Support Service - Digit Insurance is ready 24X7 to offer effective and instant solutions to your insurance-related queries.

At Digit, you also get a chance further to bring down your Ray-Z insurance price. All you have to do is pick voluntary deductibles and avoid small claims.

The purpose of bike insurance is not only to provide financial protection for repairing your bike. It equally compensates in case the rider undergoes injury or, in worse a case, dies.

Let us study the below pointers to learn the significance of two-wheeler insurance in detail.

• Saves from Legal Consequences - Valid insurance documents help you remain road legal on Indian streets. This way, you no longer have to spend ₹ 2,000 and ₹ 4,000 penalties. However, any violation may result in driving license cancellation and imprisonment for up to 3 months.

• Protects from Own Damage Expenses - With two-wheeler insurance for Yamaha Ray-Z, you do not need to worry about repair costs. That means if your bike gets damaged in an accident or due to floods, earthquakes, heavy rainfall, fire and other threats, your insurer will bear all the expenses.

• Provides Personal Accidental Protection - An accident may be fatal enough to disable the rider permanently or partially and even cause death. In this respect, the IRDAI has mandated Personal Accident cover in India. Under this coverage, the insurer compensates the victim’s family in such unfortunate events.

• Covers Third-party Responsibilities - Riding motorcycles without relevant insurance policy documents is illegal in India, according to the Motor Vehicles Act 1988. Your insurer will directly provide financial aid to the affected party against your insurance policy with this protection.

• Discounts on Premiums - Once you complete a year without raising any claim against your insurance policy, your insurer will reward you with a No Claim Bonus discount on premiums. For instance, insurance providers such as Digit extend 20% to 50% discounts depending on the number of non-claim years.

These reasons clearly state why a bike insurance policy is compulsory in India.

The sporty graphics combined with a sharp aerodynamic design made Ray-Z models stand out in its segment. A few of its cutting edge features are-

• Engine - Powered by a 113 cc air-cooled motor, Ray-Z versions churned out 7.2 PS of maximum power and 8.1 Nm of peak torque. The models were available in gearless transmission options to ensure an effortless riding experience.

• Suspension - Ray-Z came with telescopic front suspension at both ends and tubeless tyres. 

• Braking - Ray-Z featured 130 mm drum brakes at both ends.

• Build - The front bodywork of Ray-Z exhibited a headlamp with left and right indicators. Further, the aluminium wing grab rail and speedometer mated with a carbon fibre pattern enhanced the overall appeal.

• Riding Ergonomics - Ray-Z offered an upright, comfortable seat. Besides, the variants ensured that there was substantial legroom for both feet on the floorboard.

Nevertheless, Ray-Z bikes are equally susceptible to accidents as any other motorcycle. Therefore, Yamaha Ray-Z insurance is crucial to unburden unnecessary expenses.