So, you have finally made up your mind to buy a two-wheeler. This will make your life easy. You can travel from one place to another in your own comfort, without having to depend on public transport. But, have you ever thought of buying two wheeler insurance? Having an insurance plan for your scooter or bike can bring multiple benefits to you. This blog discusses the benefits that you can enjoy when you have invested in a trustworthy two-wheeler insurance company. Read on and make your mind accordingly.
Top Advantages of Getting Two Wheeler Insurance
1. Keeps you secured against instances of burglary
Buying a two-wheeler is the dream of many. People work hard day in and day out to save up and then finally purchase their dream bike. But instances of theft and burglary are quite common in our country. In that case, the bike owner feels devastated because of the loss. But when you have two-wheeler insurance, you can cover up for the loss of your two-wheeler. Two-wheeler insurance will give you financial coverage against the theft of your bike. They will be paying you almost the original price as mentioned in the invoice for the two-wheeler.
2. Offers coverage for accidental damage to property
The road conditions in our country are quite uneven. Besides, we often come across instances of rash driving. And hence, almost every day we come across news of bike and car accidents. Having two-wheeler insurance offers you financial coverage against accidental damage as well. Whether the policyholder has damaged his own two-wheeler or has caused unintentional damage to the third party, the bike insurance will keep you sorted. You need not have to worry about the expenses as the bike insurance company will take care of them.
You can further enhance this coverage by buying a few suitable add-ons.
3. Keep you protected against natural and man-made disasters
If you reside in an area that experiences natural disasters quite frequently, then it is a good idea to invest in a reliable two-wheeler insurance plan. For instance, your bike can get damaged by instances of flash floods or earthquakes. In that case, you can get coverage by bike insurance. Also, a two-wheeler insurance policy keeps you financially secure against instances of riots, arson and so on.
4. Secures you against accidental injury
Whether you have sustained an injury during a bike accident or have caused any injury to a third party, the bike insurance plan will keep you protected against the expenses. You need not pay for charges related to hospitalisation and medical treatment from your own pocket.
5. Brings in the stress-free driving experience
When you have a two-wheeler insurance policy, you can hit the road on your bike in a stress-free mindset. Whether your bike breaks down or faces risks like man-made or natural disasters, you can stay assured that the insurance company is there to help you out. This gives you the ultimate peace of mind when you are on the road, commuting from one place to another.
6. Keeps penalties at bay
As per the Motor Vehicles Act in our country, it is mandatory to have a valid third-party damage insurance plan. Otherwise, you are liable to pay a penalty. So, when you buy third-party damage insurance or a comprehensive policy for your bike, you have the legal right to drive your bike on Indian roads.
7. On-road assistance available
If your bike breaks down in the middle of nowhere, you can get in touch with your two-wheeler insurance company. They will offer you on-road assistance for specific issues as per your policy.
8. Accessibility to reputed garages
Buying a renowned bike insurance plan gives you access to multiple cashless network garages where you can get your two-wheeler repaired without having to pay a single penny.
In a nutshell
Now that you know the various advantages of having a two-wheeler insurance plan, you need to choose the best two-wheeler insurance policy for your bike or scooter. There are a plethora of insurance companies that offer lucrative bike insurance plans. You can compare the plans, premium rates and coverages online. So, if you are planning to get yourself a two-wheeler, it is high time that you start planning for your two-wheeler insurance plan.