Bikes are the wings of the riders. And, thus, it is the responsibility of the rider to take care of their bike and insure it adequately.
Moreover, riding a bike or any kind of two-wheeler is considered to be riskier than driving other four-wheeler kinds of vehicles. Therefore, it is crucial to insure your bike which covers the risk of bodily injury, damage or loss of the vehicle and third-party liability in case of accidents.
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Here’s a guide which sheds light on all you need to know about buying bike insurance for the very popular motor bike Honda Activa.
About Honda Activa
Honda Activa is one of the most successful and highest selling two-wheelers in India which is known for its powerful performance and affordable price. The price range of Honda Activa starts in India from INR 76,000 and goes up to INR 82,800. The Honda Activa 6G is the most updated version of Activa in India. Honda Activa is known for its excellent consistency, powerful engine and durable cycle parts.
Honda Activa Specifications
Type of Insurance Plans for Honda Activa
Third Party Liability Insurance
Having at least a third-party insurance is mandatory in India. You have to buy this policy compulsorily as soon as you buy your Honda Activa bike. This kind of insurance policy has limited coverage benefits as it only covers the damages and losses caused to other parties or property due to your insured bike.
It is to be noted that this kind of policy does not provide any coverage against the damages caused to your bike.
Suitable for:
Third party insurance policy is not recommended for any bike owner be it Honda Activa. Consider this policy, if you don’t mind paying for bike repairs out-of-pocket.
Coverage:
- Third party property damage
- Accidental bodily injury to the third person
Comprehensive Insurance
A comprehensive insurance policy provides enhanced coverage as compared to third-party insurance policy. It tends to cover damages along with third-party liabilities. The policyholder can raise a claim if their own bike gets damaged due to accidents, calamities, fire, or even if it gets stolen. Also, you can increase the coverage and get more benefits with add-ons.
Suitable for:
If you already have an active third-party policy for your bike.
What does it cover?
- Accident
- Theft
- Fire
- Third-party liability
- Personal accident
- Natural calamities
- Add-ons
Various Add-ons Available for Honda Activa Bike
Add-ons are optional and can be bought along with the comprehensive insurance plan. These optional covers are used to enhance the coverage of an existing insurance plan. Let’s have a look at the add-ons that are generally available with Honda Activa bike Insurance policy:
- Nil depreciation or bumper-to-bumper
- Personal belongings damage or theft
- Emergency assistance
- Towing assistance
- Key protect
- Engine protect
- Outstation emergency cover
- Consumable cover
What is Covered in Honda Activa Insurance?
- Third-party liabilities which include damage to third-party property, injuries, and death.
- Financial and legal liabilities arising due to an accident with the third party.
- Any kind of damages caused to your Honda Activa due to man-made and natural calamities.
- Includes the coverage provided under various add-ons if bought along with insurance policy.
Related Article: Best Bike Insurance In India
What is Not Covered in Honda Activa Insurance?
- Regular wear and tear.
- Mechanical or electrical breakdown damage.
- Damage caused if riding the bike under the influence of alcohol/drugs
- Damage caused if the bike was used for any kind of unlawful activity.
- Riding the bike without valid documents.
- Damage that is caused outside the geographical limits set by the insurance company.
How to Buy Insurance Policy for Honda Activa?
- To buy the policy instantly, the policyholder has to visit the website of the selected insurance company.
- To go ahead with the selected policy, the policyholder must furnish all the basic details asked while buying the bike insurance policy.
- Submit the personal information such as name, contact details or bike registration number.
- Select the insurance policy as per your needs and requirements.
- At this stage, the policyholder can also consider buying important add-ons such as zero depreciation cover or roadside assistance at this stage.
- Once you have selected the policy and submitted all the required details, now you have to pay for your policy and complete the payment online.
How to File a Claim for Honda Activa Insurance Policy?
The claim process for a bike insurance policy is hassle-free and requires no documentation. You can follow the basic steps to raise a bike insurance claim at any insurance company:
- You can raise the claim online by visiting the website of the insurance company or log in their mobile app.
- Click the ‘Claim Now’ option and submit all the relevant details of the damage.
- Upload the required documents and pictures of the damaged bike.
- If the damages are minor, then you can receive an instant claim settlement in your account,
- For major damages, any insurance claim expert from the company will get in touch with you for the further procedure.
Featured Partner Offer
1
ACKO Bike Insurance
Affordable
Plans starting at INR 555
Personal Accident Cover
Available
Cashless Claims Facility
Yes
Frequently Asked Questions (FAQs)
Which type of insurance should I get for my Honda Activa?
You should definitely opt for a comprehensive type of insurance policy for your Honda Activa as it covers your bike against theft, damage or a calamity along with cover against any third party liability.
What happens to my accumulated no claim bonus while renewing an expired bike insurance policy?
Remember, no claim bonus or NCB is generally valid up to 90 days from the previous policy expiry date. It means that if the policy is not renewed within 90 days then your NCB becomes nil and no benefit is passed on to the renewed policy.
What do you mean by bumper to bumper coverage?
Zero depreciation or bumper to bumper coverage is an optional rider which can be bought along with your main comprehensive policy. It offers full coverage to your vehicle without deducting any depreciation costs. For instance, if your vehicle is damaged, then the policyholder does not need to pay anything as depreciation amount and thus they can claim the full amount as per terms and conditions of the policy.
Which are the insurance add-ons for Honda Activa bikes?
Following are the add-ons available with Honda Activa bike insurance policy:
- Nil depreciation
- Emergency roadside assistance
- Key protect or key replacement cover
- Personal belongings cover
- Consumables cover
- Engine protection
- Tyre protection
