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Ride without worries,with our long term two wheeler insurance plan.
Safeguard the health of your loved ones with a wide range of health insurance plans.
Invest in Personal Accident Insurance to safeguard your savings from unexpected medical expenses.
Secure your joyous family trips with international travel insurance cover.
Comprehensive cover for your car,so you can drive yourself.
Safegaurd the healthof your loved ones with wide-ranging health insurance plans.
Invest in Personal Accident Insurance to safegaurd your savings from unexpected medical expenses.
Secure your joyuos family trips with international travel insurance cover.
An Insured Declared Value or IDV is the net amount you receive from the insurance company. This is also the sum insured agreed between your insurance providers and you. In case of theft, damage or burglary, the insurance company reimburses you with an amount equal to the IDV.
You need to know the cubic capacity of the engine to calculate premium on your bike insurance. If you have a two-wheeler whose engine’s cubic capacity is greater than regular models, you will have to pay a higher premium. For instance, bikes with engine capacity of 75 cc or lower have a premium of INR 569. On the other, if you own a two-wheeler, whose engine’s cubic capacity exceeds 350 cc, you have to pay a premium of INR 1,019.
If you live in a metropolitan city like Mumbai, Delhi, or Bangalore, the premium of your two-wheeler insurance will be high, this is because the volume of traffic is high in metropolitan cities. This also means that the frequency of damage to the bike is also higher. On the contrary, if you are a resident of 2-tier cities like Pune, Ahmedabad or Lucknow, you pay a lower premium. Location is an important parameter for premium calculation.
Older bikes have low IDV and hence attract lower premiums. For example, if the bike is only 6 months old, the IDV is estimated to be 95% of the ex-showroom price. Since a new two-wheeler has higher IDV, you will have to pay a higher premium.
If your bike is 4-5 years old, the IDV is calculated to be only 50% of the ex-showroom price. Hence, you pay a lower premium.
You can easily buy or renew your two-wheeler insurance online by providing the parameters mentioned above.
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