{"id":121,"date":"2021-10-22T10:22:06","date_gmt":"2021-10-22T10:22:06","guid":{"rendered":"https:\/\/elephant.in\/knowledge-center\/?p=121"},"modified":"2024-10-30T08:06:30","modified_gmt":"2024-10-30T08:06:30","slug":"dos-and-donts-before-buying-two-wheeler-insurance","status":"publish","type":"post","link":"https:\/\/elephant.in\/knowledge-center\/blogs\/bike-insurance\/dos-and-donts-before-buying-two-wheeler-insurance\/","title":{"rendered":"Do’s and don’ts before buying Two-Wheeler Insurance."},"content":{"rendered":"

As per the Motor Vehicle Act of 1988, having a motor insurance<\/a> is compulsory for all vehicle owners in India. This move was conceptualized for the benefit of both parties, the one involved and one who may get involved in an unfortunate accident or mishap.<\/p>\n

Some\u00a0dos under insurance buying process by highlighting just the essentials:<\/h2>\n

You need to know about types of\u00a0insurances-You\u00a0need to be well aware of the two basic types of coverage. When you buy\u00a0two-wheeler\u00a0insurance online, there is also a third-party plan with only third-party legal liabilities. It is a basic plan with lower premium rates. Under the\u00a0compressive\u00a0plan, you can get a complete cover package that includes third-party liabilities as well as personal accident cover.
\nLook for add-ons- in a few words, the current insurance market scenario stands as a well-planned and organized machine. Additionally, under two-wheeler insurance, online add-ons focus on the pain areas of several customers and tend to the need of the hour for each of them separately, including repairs, roadside assistance, the return of invoice value, accessories cover, etc.
\nUnderstand the\u00a0ID: one of the essential factors that need to be considered while reducing the premium amount of your vehicle insurance is Insured Declared Value (ID). It is the current valuation of your two-wheeler in the market. Depreciation of the two-wheelers is factored into the\u00a0ID, and the\u00a0ID\u00a0is then calculated.
\nLook for the coverages-, basic coverages are similar which are offered by most insurers. You must carefully go through and understand every factor included to be claimed in case of damage or loss. Under the cover, Natural calamities, human-made disasters, etc., are included. It is impossible to know when to claim without having sufficient knowledge of this.
\nRemember the inclusions and exclusions- it is essential to know and keep in mind when you are eligible for a claim, and when you are not, be it the add-on or the necessary cover. When your two-wheeler vehicle has been damaged due to driver intoxication, then making a claim is a futile effort.<\/p>\n

Don’t under a two-wheeler insurance policy:<\/h2>\n

Do not go for a cheaper cover that does not cover\u00a0well-There\u00a0might cover that may give you premium respites. However, this is not always recommended for you.
\nDo not delay in filing for the\u00a0claim-Filing\u00a0a claim within the stipulated time is the only way to ensure you receive the benefits of the insurance policy. Claiming the policy even a day after the slotted time will disqualify your entitlement to the claim.
\nDo not forget to renew policies- if you own a two-wheeler vehicle, Two-wheeler insurance. So you can proceed to renewals and are always covered by setting reminders for getting a heads-up on when the policy expires.<\/p>\n

Hence,\u00a0when it comes to buying a two-wheeler insurance policy<\/a>, you need to know one thing for sure if you fail to understand any part, get in touch with your insurance provider.<\/p>\n","protected":false},"excerpt":{"rendered":"

As per the Motor Vehicle Act of 1988, having a motor insurance is compulsory for all vehicle owners in India. 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