Riding your bike gives a non-comparable feeling of joy and freedom. In the same way, a two-wheeler insurance policy provides you with an unmatched sense of security. It protects you from the damages you can incur due to accidents on the road. Road perils— natural or man-made can cause a significant amount of damage. How can you combat this? With two-wheeler insurance from Navi bike insurance!
Let’s see why buying a Navi General bike insurance policy is beneficial.
What are the Types of Navi Two-wheeler Insurance?
Navi General Insurance offers three types of bike insurance plans designed to provide you with different levels of protection. They are as follows:
Third-party Insurance
The Navi third party bike insurance mainly covers vehicles, individuals, or property damaged or destructed by the policyholder’s bike. However, it doesn’t cover any damage caused to the insured or his vehicle. It is the most basic and mandatory plan available.
Comprehensive Insurance
Navi Comprehensive bike insurance covers all aspects of third-party bike insurance. Additionally, it includes any damage caused to you and your vehicle.
Moreover, you can buy various bike insurance add-ons (additional benefits) to create a more well-rounded coverage plan. Since the duration of these policies ranges from 1-3 years, it eliminates the need to buy and renew single-year plans.
Own Damage Insurance
Navi own damage bike insurance by which you can get covered for damages to you and your vehicle against accidents, natural or human-related disasters. You can opt for the policy period while signing the agreement with Navi.
Features of Two-wheeler Coverage Policies by Navi General Insurance
Navi General Insurance caters to people from all walks of life. Its two-wheeler insurance features ensure more protection for you and your vehicle. Some significant characteristics are mentioned below:
- It is easily customisable and affordable.
- From purchase to renewal, you can do everything online.
- No hassle of paperwork (Digital policy).
- Self-inspection (online) on an instant basis.
- Around 12 add-on covers are available to provide full protection.
- Around 900 cashless garages ensure a smooth claims process.
Add-ons to Boost Your Navi Bike Insurance Cover
Navi bike insurance add on can be customised to fulfill your insurance needs. It provides various additional services for an extra premium.
These include:
Consumables Expense
Consumables bike insurance cover like nuts and bolts, brake oil, fuel filter, etc., have a high repairing cost. Under regular bike insurance, all these are not covered. You can get them covered through this add-on.
Roadside Assistance
The roadside assistance bike insurance add-on feature allows you to call for immediate assistance if your bike breaks down suddenly in the middle of a ride. Also, various other services like towing, fuel load, battery jump-start, etc., are available.
Zero Depreciation Insurance
This zero depreciation bike insurance add-on is a great choice for high-end models and new bikes. Bikes less than five years old can get a settlement up to the vehicle's full value.
Generally, a vehicle's value depreciates with age and normal wear and tear. In this case, the insured is paid only up to the IDV of the bike. However, zero depreciation insurance provides you with the full value of the bike as a claim without considering the depreciation effect.
Claim for Theft
It allows registration for a Navi bike insurance claim of theft or total loss up to the full value of your new vehicle by paying only 50 paise per day.
EMI Protector
As we know, one needs to pay the EMIs no matter the situation. However, with this protector, you can cover three months of EMIs in case you cannot pay them otherwise.
Do You Know These Navi Bike Insurance Premium Reduction Tactics?
You can reduce the premium towards Navi bike insurance (in case you feel it is high) without lowering the offered coverage by:
- Denying any modifications.
- Avoiding small claims to avail of the NCB bonus of up to 50%.
- Choosing a basic model over high-end models.
Premium Payment Process
You can pay the premium of Navi General Insurance online or offline. In case you choose the online mode, your card details, billing name, payment method, and billing address will be collected.
Conclusion
In a nutshell, Navi General Insurance fulfills your bike insurance needs. You can get insured under third-party insurance or comprehensive bike insurance as per your requirements. It has a huge range of benefits to offer along with its various add-ons. It provides additional benefits such as roadside assistance and an EMI protector to enhance your experience and reduce any problems which may arise while riding.
