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6 Tips for Optimising Your Two-wheeler Insurance Quotes Online

By Juhi Walia
28 September 2022, 12:20 PM

Driving around on your bike isn’t just one of the best ways to beat traffic, it’s also an affordable mode of transportation that can help you get to and from work quickly and easily. However, while driving two-wheelers may be cheaper than driving cars or bikes, they still come with risks that must be covered in the event of any mishaps.

If you own a two-wheeler, you’re no doubt aware of how important it is to get a great value on your insurance policy. Unfortunately, obtaining competitive rates can be an uphill task due to the complexity of these policies and the wide range of options available to customers nowadays. Here are six tips that will help you optimise your two-wheeler insurance quotes online so that you can get exactly what you need at the price that fits your budget.

1. Pick the Add-ons Wisely

Bike Insurance add-ons are the best way to customise your policy and make it work perfectly for you. But, picking the right add-ons is not always easy. Here are a few tips to help you choose the right add-ons for your two-wheeler insurance policy:

1) Know what's included in your basic package. If you're on a tight budget, check out what's included in the basic package.

2) Get clear about how much coverage you need. You can be overwhelmed by all of the coverages offered by some insurers, but here's how to find out which ones you need.

3) Look into add-ons options carefully. If anything is missing from your policy that you think might be important, now's the time to ask about add-ons options!

4) Don't forget to shop around before you buy. Remember, every insurer has different rates, so shop around before making your final decision.

5) Buy when rates are low. The key to buying insurance at any time is to buy when rates are low.

2. Utilise the Accumulated Bonus

If you have been driving your two-wheeler for a while now, you are probably eligible for the accumulated bonus. This is a discount that insurers offer to policyholders who have not made any bike insurance claims on their previous insurance policies. They offer this incentive because they feel you are less likely to make a claim since you have had no problems. They will likely also give you better rates in the future. 

3. Renew the Policy on a Timely Basis

It's important to renew your two-wheeler insurance policy on a timely basis. If you let it lapse, you may have to pay a higher premium when you do renew it. Additionally, you may not be covered if you have an accident while your policy has lapsed. Lastly, the coverage will expire after a set amount of time. The exact expiration date will depend on the type of bike insurance plan you purchased as well as how often you renewed your policy in the past.

4. Compare Multiple Policies

When it comes to two-wheeler insurance, it's important to compare multiple bike insurance policies before making a decision. By doing this, you can be sure that you're getting the best possible coverage for your needs.

Here are five tips for getting the most out of your two-wheeler insurance quotes:

1. Get quotes from multiple companies.

2. Compare coverages and benefits.

3. Consider your deductible options. Higher deductibles may lower premiums.

4. Get an online quote today!

5. Investigate what additional add-ons will cost you in terms of premium payments and coverage limitations when considering a policy with more than just the bare minimum liability protection.

5. Maintain a Good Driving Record

A good driving record is one of the most important factors in getting low rates on your two-wheeler insurance. Insurers consider you a high-risk driver if you have been involved in accidents or have received traffic tickets. Maintaining a clean driving record can show insurers that you are a safe driver and help get lower rates.

Driving records cannot be erased from your past; however, by showing improvement over time, it will be easier for an insurer to offer a competitive rate for coverage. You may also be able to negotiate with an insurer to remove certain offences from your report over time as long as you do not commit any more violations during the specified period. 

6. Consider Raising Your Deductible to Lower Your Premium

If you're looking to lower your two-wheeler insurance premium, one option is to raise your deductible. By doing so, you'll be responsible for a larger portion of any damages in the event of an accident. But this also means you could end up paying more out-of-pocket if you have an accident. So be sure to weigh your options and choose the deductible that makes the most sense for you.

The Takeaway

In today's world, there are many things that we have to pay for, including insurance. When it comes to insuring our belongings, we want to ensure that we get the best deal possible. We hope these six tips help you optimise your two-wheeler insurance quotes online. 

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1. When should you consider the cheapest two-wheeler insurance policy?

If the two-wheeler insurance cost is low but the coverage offered is extensive, you can consider cheaper bike insurance. This combination is the best for your vehicle.

2. Where can I find cheap bike insurance online?

Digital insurance companies provide insurance directly to the customer without middlemen or agents. Online insurance is an effective method to determine, compare, and buy your two-wheeler insurance policy.

3. What do I need to do to register my bike with NCB for two-wheeler insurance?

The No Claim Bonus (NCB) can be claimed while renewing the policy. It is a discount that comes in addition to a policy without a claim made during the period. This can also be transferred to a new insurer at the time of your insurance policy renewal.

4. How can I find the best two-wheeler insurance?

Check out the different bike insurance quotes provided by different insurance firms. Be sure to select the policy that best fits your requirements and offers you the greatest coverage at the lowest premium.

5. Could I buy bike insurance online?

It is more convenient to purchase your bike insurance policy online. Rather than spending hours or days waiting in long lines or submitting your paperwork by post, you can do this from the comfort of your own home with just a few clicks of a button.

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