A Quick Guide To Get the Lowest Premium On Activa Insurance Online| Bharti AXA GI


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Guide To Get The Lowest Premium On Activa Insurance Online

Public transport can be very difficult for the daily commute. It is a better option to invest in a two-wheeler for your daily transit. Investing in a two-wheeler can be difficult for several individuals. Two-wheeler loans can help an individual to invest in a two-wheeler. After buying a two-wheeler the actual challenge is to maintain it and avoid any major accidents which can be dangerous to the driver, fellow drivers, and the vehicle.


It can be very stressful to not have enough funds to pay various bills during an emergency commonly the medical expenses. It is important to have savings for such emergency situations. Accumulating money for these savings can prove to be very difficult for a salaried individual, hence, bike insurance policies can prove to be great assets at the times of emergency. For your Activa 4G, you can apply for Activa insurance online.

Types of Premium for Two-Wheeler Insurance Policies

Two-wheeler insurance policies have several types of premiums that the policy owner can choose from. The premium amount is determined on the basis of the engine cubic capacity (cc). The different types of premiums for two-wheeler insurance policies are discussed in detail below

Third-Party Premium

This type of premium covers third party liability. The third-party refers to the party involved in an accident other than the insurance owner and the insurance company. The amount of this premium is decided by the Insurance Regulatory and Development Authority of India (IRDAI). The prices decided are changed every year.

Comprehensive Premium

This is an elaborate premium package. Various variables are considered while calculating the amount of this premium. This premium also covers the bike damage for the insurance policy owner; however, this damage premium amount is decided by the Insured Declared Value (IDV). Several factors such as the age of the vehicle, showroom price at the time of purchase, and the location of registration

Comprehensive Two-Wheeler Premium.

This is an accumulate premium that covers third-party liabilities, bike damage, and the driver’s insurance(owner/rider). This type of premium plan will also include add-on covers and additional services for the insurance owner.

How to Get a Lower Premium?

Check the following points to get the lowest possible premium on your two-wheeler insurance policies:

  • Compare and understand various insurance policies
  • Choose a long term insurance policy
  • Get an anti-theft device
  • Check your insurance policy and deduct unnecessary facilities
  • Get only necessary add-ons covers


Insurance Policy Renewal

You need to keep your bike insurance renewal in check. The renewal process is very easy. The insurance policy renewal differs from insurer to insurer but you need to keep a record of the time period in which your insurance policy needs renewal.


To get the lowest possible insurance premium start by understanding what kind of premium you want and decide your insurance policy. After this, keep in mind the points discussed above and keep a record of the renewal periods and the cost of the same. All of these points will help you to get the lowest possible premium on your Activa insurance policy. Contact Bharti AXA for some of the lowest insurance premiums for two-wheeler insurance policies.