Fuel efficient and easy to manoeuvre, two-wheelers are possibly the most convenient way to navigate through everyday traffic. Being a vehicle that is very high on utility, most households in India will definitely have a bike or scooter.
While two-wheelers add so much convenience to your life, it becomes your responsibility to keep your bike insured at all times. Third-party insurance is mandatory for your two-wheeler but only covers liabilities caused to a third party in case of an accident.
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To make sure you enjoy wider coverage, it is advisable to choose a comprehensive plan.
We are sure that when you think of two-wheeler insurance, you will also think about how to get wide coverage for an affordable premium. Here are some tips that may help you maximise coverage without having to pay high premiums.
How to buy a two-wheeler policy within your budget
We’re sharing some tried and tested tips right here with you:
- Online comparison
Start with comparing the insurance policies available for your two-wheeler in the market. The easiest would be to go the online route. And even better if you have access to an App like the Bajaj Finserv App that allows you to compare the plans you choose at one go and simply go ahead and make a purchase. You can also check the coverage and additional benefits offered by our trusted partners and choose a plan that suits your budget and requirements.
- Don’t raise small claims
During the renewal of your bike insurance, insurers will offer you a No Claim Bonus (NCB) if you have not raised a single claim in the policy period. In case you do have to claim during the year, avoid raising claims for smaller issues. This way, you will be able to avail the benefit of the NCB, which is usually given in the form of a discount on the premium.
- Choose relevant Add-ons
Add-on covers offer enhanced coverage over and above your standard policy. They also add up to the premium since they need to be purchased separately. Choose your add-ons judiciously and based on how relevant they are for you. This way, you can have adequate cover without having to pay higher premium.
- Don’t miss insurance renewal
To avoid losing the NCB benefit and paying higher premium, make sure to renew your bike insurance on time. Riding without insurance also invites traffic penalties which can cost you dearly.
- Give preference to a single insurer
Try to purchase your insurance policies from the same insurance. For e.g. if you have your health or travel insurance from one insurer, get your bike insurance also from the same. This way, you could a loyalty benefit from the insurer, which could result in lower premium for your bike insurance.
While you go through these tips to make your two-wheeler insurance more affordable, let us tell you about the all-new Bajaj Finserv App.
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A high utility App, it allows you to handle all your financial needs including insurance at one single stop. On the app, you can explore bike insurance plans from our trusted partners. Here you can view product features, compare prices and purchase a plan that is best suited to your needs. All this in a matter of minutes and from the comfort of your home. It truly is becoming the new way to buy insurance.