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About 2 Wheeler Insurance

Bikes fill in as a life saver in conveying you quickly, therefore sparing you from awful automobile overloads. Without a doubt, bikes are more solid in the event that you need to achieve your goal on time. Along these lines, ride strain free around the city by deciding on far reaching bike protection. Purchasing thorough bike protection guarantees you against outsider risk as well as assumes an incredible part in your self – intrigue. You might be a wary driver, yet consequences do happen immediately. So act before it is past the point of no return.

Distinction between three fundamental sorts of 2 wheeler protection :

Basic insurance

  • Covers Third party vehicle damage/property damage/bodily injury
  • Covers legal liability arising out of third party damage

Comprehensive insurance

  • Covers Third party vehicle damage/property damage/bodily injury
  • Covers legal liability arising out of third party damage
  • Covers damage occurred to you
  • Covers damage occurred to pillion rider
  • Covers damage occurred to your vehicle by the act of vandalism such as riots, strike
  • Damage or loss occurred due to natural calamities such as floods, earthquake, lightening, landslide and so on
  • Damage or loss occurred due to man-made reasons such as theft, terrorist activities, accident, self ignition

Collision insurance

  • Covers damage caused to your 2 wheeler only due to accident/collision with other vehicle
  • Provides for damage to your vehicle even if you are at fault while driving
  • Provides for damage to your vehicle if the other driver is at fault

Selecting the best motorcycle insurance

The purpose of insurance is to protect you from the impact of any untoward incident financially and legally. So, the best 2 wheeler insurance would be taking Comprehensive two wheeler insurance with the collision rider. The comprehensive coverage covers you and your vehicle for anything but loss occurring from other drivers and automobiles and collision insurance protects you from loss if you are hit by any other vehicle whether it is your fault or other driver’s fault.

Factors determining premium calculation of 2 wheeler insurance:

  • Two wheeler type/model/make
  • Age of the two wheeler
  • IDV of the vehicle
  • Cubic capacity of the two wheeler
  • Registration zone

Now that you now the basic difference among the three major types of 2 wheeler insurance, and factors establishing the premium rate it would be easy for you to decide which one to choose. Hence, you won’t just be carried away with what your agent says but you can make your own decision.