10 THINGS TO CHECK BEFORE BUYING A TWO WHEELER INSURANCE POLICY

One can never know what can happen on the road, especially when they are driving a two-wheeler. As such it is always advised to have a two-wheeler insurance policy when driving on the road to many two-wheeler users. But many times, people rush and don’t check their insurance policy details and end up with a bad deal. Here we are going to look at 10 things one should make sure to check before buying their two-wheeler insurance policy.

10 Things To Check When Buying Comprehensive Two-Wheeler Insurance Policy:

By getting two-wheeler insurance for their vehicle one can avoid any future risk but also mitigate any financial losses that may come with them. But one must always make sure the check the following 10 things before buying their two-wheeler insurance:

1. Registered policy number:

One must always make sure to check the registered policy number that is provided when they buy two-wheeler insurance from the insurance provider as it is used as a primary reference when they raise a claim request. 

2.Personal details:

Personal details are the most important part of the policy documents that one must make a priority to check when they buy two-wheeler insurance. Personal details can contain information such as name, address, contact details, etc., that are used for important communication when claiming insurance.

3.Details of the insured vehicle:

Vehicle details contain important information such as vehicle chassis number, registration number, engine details, etc., by making sure they are correct one can avoid any future hassle.

4.Validity of insurance policy:

One must never forget to check their insurance validity as it can help them stay on top of their insurance policy and avoid delayed payments on the premiums.

5.Premium charges:

Always make sure to check the premium charges that are going to be charged whether it be monthly or yearly when buying a two-wheeler insurance policy. This can help one avoid getting costly insurance and get insurance that is affordable and suits their needs.

6.Coverage:

This part of the two-wheeler insurance contains details about the benefits, mainly the coverage such as 3rd party damage, accident cover, own damage cover, etc., by making sure to check the coverage of the insurance policy one can avoid future troubles when claiming the insurance.

7.Add-on covers:

Check if the add-on covers are properly mentioned in the policy when one buys two-wheeler insurance such as engine protection, consumables cover, zero-depreciation, etc.

8.IDV (Insured declared value):

Insurance is bound to be renewed as per the premium schedule on time. This not only affects the IDV value of the vehicle but also the premium charges. One should always check their vehicle IDV value and get the insurance that offers a better or higher IDV.

9.No-claim bonus (NCB):

Always make sure to check for any NCB that is a no-claim bonus which is a discount awarded to the policyholder based on their not claiming insurance during the previous insurance period.

10.Insurance provider contact details:

Make sure to check the insurance provider's contact details such as helpline or email or get in touch with them if the customer wants to raise a claim request or inquiry about the policy details in the future.

Conclusion:

Driving on the road has many unforeseen risks, especially when one is driving a two-wheeler. But one can avoid such risk and mitigate any financial losses that may come with them by getting a two-insurance policy. One must always make sure to read all the details in policy documents and cross-check all the things before they buy two-wheeler insurance. Now, one can easily buy two-wheeler insurance online at their convenience in just a few steps from Quickinsure by visiting the official website- https://quickinsure.co.in/ and compare various available to the one that meets their requirements.

FAQs: (Frequently asked questions while buying bike insurance)

1.What can one do when their policy details get wrong or need to change?

One needs to apply for a policy endorsement by which one can change or correct any details in their policy by paying the required charges.

2. Does one need to check for exclusion?

Yes, one must always make sure to check for exclusion when they buy two-wheeler insurance.

3. Why is getting two-wheeler insurance important?

One can never know what might happen on the road when they are driving, especially two-wheelers, but by getting insurance they can avoid any such risk and mitigate any financial losses.

4. Where can one get comprehensive two-wheeler insurance?

One can easily get a comprehensive two-wheeler insurance policy from Quickinsure by visiting the official website- https://quickinsure.co.in/ and to compare various available plans and get the one that meets their requirements.