Tips To Upgrade Your Bike Insurance Policy At The Time Of Renewal | Bharti AXA GI

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Tips To Upgrade Your Bike Insurance Policy At The Time Of Renewal

All two-wheelers in India need to have an insurance cover before they can be driven on public roads. Many times new riders tend to choose an insurance policy with the lowest premium. But over time they realize that the policy they bought to tick the checkbox is not good enough. For example, they could realize that:

  1. They are paying too high a premium for too little a coverage
  2. Coverage is not in-line with their individual needs
  3. Third-party insurance alone makes them feel jittery when on the road

such a scenario, one should look to upgrade their two wheeler insurance policy as per their needs.

When To Upgrade The Bike Insurance Policy?

While you can choose to upgrade your two-wheeler insurance policy in the middle of policy term as well, the most convenient time to do so is at the time of policy renewal. You can not only look for better policies from your current insurer but can also compare plans offered by other insurers. The process is fairly straight-forward and you can get the upgraded cover from an insurer of your choice in a matter of minutes online.

Change In Vehicle

If you decide to buy a new bike, you don’t have to get a brand new insurance policy. You can inform your insurer of the same and get your current policy upgraded for the new bike. That said, your insurer would evaluate the IDV for the new bike and revise the premium to reflect the same. Once you pay the additional premium, your upgraded policy will become active.

Points To Remember

  1. Do not switch your two-wheeler insurance policy just because you found another with a lower premium. Always compare the coverage provided against the premium paid, and ensure that the coverage is sufficient for your requirements.
  2. Consider add-on covers to customize your two-wheeler insurance policy to your particular requirements. For example, if you have tailored your bike to your taste by adding expensive accessories, you should consider getting an accessories cover as an add-on to your policy.
  3. If you are planning to switch insurers, don’t forget to research the insurer. Check their claim settlement ratio, customer reviews online, past history etc.
  4. If you are unsure about what policy to get, do not hesitate to reach out to our customer care and understand the coverage provided.
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