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Hero Electric Optima Two Wheeler Insurance
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The Hero Electric Optima was initially launched for the Indian vehicle market back in October 2020. The Hero Electric Optima has quite a nice build and its plastic structure is sturdy too. The scooter looks sleek and is on the lighter side of the weight spectrum. It has a more than capable centre console that indicates all the necessary information about the scooter to the rider, along with the basic instrument console, tripmeter and the usual stuff. As an electric scooter, the Hero Electric Optima is specially made for the “city speed range” segment of the market. With its lightweight build, decent speed delivery and range, the Hero Electric Optima is a great choice for an electric scooter in this price segment.
Hero Electric Optima Features
The Hero Electric Optima is offered in two main variants, the first is the Optima CX Single Battery and the other is the Optima CX Dual Battery. The scooter is quite decked out with the necessary features, including remote start and push-button start option, cruise control, walk assist, single body seat design, digital instrument console, hub motor drive type, reverse assist, USB charging port, regenerative braking, LED type headlights, anti-theft alarm with remote lock, front storage, under-seat storage box, pillion seat grab rail, passenger side footrest, bulb type turn signal indicators and tail light, carry hook, aerodynamic body design, portable battery, alloy wheels and a few other things.
Hero Electric Optima Specifications
| Riding Range | 140 KM/C |
| Fuel Type | Electric |
| Top Speed | 45 km/h |
| Charging Time | 4 to 5 hours |
| Motor Power | 550 - 1200 Watts |
| Battery Capacity | 51.2V / 30Ah |
| Front Brake Type | Drum Brake |
| Rear Brake Type | Drum Brake |
| Transmission Type | Automatic |
| Kerb Weight | 68 kg |
| Available Ground Clearance | 140 mm |
| Front Wheel Size | 12 inch |
| Rear Wheel Size | 12 inch |
| Class Type | Scooter |
Hero Electric Optima Two Wheeler Insurance
The Hero Electric Optima is a great choice for an electric scooter that you can buy in India, however, you will also need to have a two wheeler insurance coverage for it. Motor insurance in India is applicable to both fuel and electric-based vehicles. Thus, individuals will need to have a valid Hero Electric Optima insurance coverage, to be able to ride it on the road. The options of either buying a new Hero Electric Optima two wheeler insurance or getting an existing Hero Electric Optima two wheeler insurance renewal settled, can both be done over the internet with ease. To know about the important details and information required when buying a Hero Electric Optima insurance, go through the content below.
Types of Hero Electric Optima Two Wheeler Insurance
When buying a new Hero two-wheeler insurance of Electric Optima model or getting a Hero Electric Optima two wheeler insurance renewal done, the two types of policy coverage options that individuals will be offered, are;
- Third-party Only- This policy type only offers legal liability coverage of the third party who is involved in an accident with the insured.
- Comprehensive Type- With this comprehensive bike insurance, individuals can get both third-party coverage and various damage coverage options of their own.
Apart from the massive differences in included benefits between these two coverage types, another major difference that resides is in the overall Hero Electric Optima insurance price. The comprehensive type of Hero Electric Optima two wheeler insurance cost is more than that of the third-party bike insurance.
What is Covered Under Hero Electric Optima Insurance Policy?
With the Hero Electric Optima two wheeler insurance policy, you will receive cover for damages that are;
- Caused to the third party
- Caused to the insured party
- In case of the bike being stolen or totally damaged
- Caused by man-involved damages like a riot, arson, accidental fire, etc.
- Caused by nature-induced damages, like earthquakes, storms, landslides, etc.
There are many other damage coverage options that you can get with the comprehensive type of Hero Electric Optima two wheeler insurance policy. The total number of add-ons selected with the policy will affect the overall Hero Electric Optima insurance price, so select the ones you would need.
What is not Covered Under Hero Electric Optima Insurance Policy?
With the Hero Electric Optima two wheeler insurance policy, you will not receive any coverage for damages that are;
- Caused by a rider who does not own a valid driving licence
- Caused during unethical usage of the bike
- Caused by intentional means
- Wear and tear
- Caused while riding drunk
- Caused while riding in absence of the required paperwork
- Electrical malfunctions
These are some of the examples of damages that the company is not liable to accept claims for with the Hero Electric Optima two wheeler insurance policy.
How to Renew/Buy Your Hero Electric Optima Two Wheeler Insurance Policy?
It is quite simple to get your Hero Electric Optima two wheeler insurance renewal procedure done or buy a new Hero Electric Optima two wheeler insurance online. Individuals can refer to the briefly explained procedure below to get their Hero Electric Optima two wheeler insurance policy within a few minutes.
Steps to purchasing the Hero Electric Optima two wheeler insurance online:
- First, look for the Hero Electric Optima two wheeler insurance online.
- Provide the details that the policy requires about your scooter.
- Select cover type.
- Get the estimate on the Hero Electric Optima insurance price.
- After that, individuals can pay for the policy they prefer.
By following all these above-mentioned steps, you will get your Hero Electric Optima two wheeler insurance policy initiated from the comfort of your home or your workplace. Keep note of the fact that the Hero Electric Optima two wheeler insurance cost is more for a comprehensive type policy.
Hero Electric Optima Review
The Hero Electric Optima is one of the most affordable and practical electric scooters that can be bought in India. It is good for the environment and saves a lot of fuel with its electric-based engine. The Hero Electric Optima is ideal for local and city commute with a decent range, lesser charging time requirement, decent torque and other important features. Be sure to have your electric scooter covered with great Hero Electric Optima insurance.
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Hero Electric Optima Insurance FAQs
1. Can I go with a cashless policy claim with my Hero Electric Optima insurance?
Yes, you can opt for the cashless policy claim with your Hero Electric Optima insurance.
2. What type of insurance claim is associated with a non-network garage repair with my Hero Electric Optima insurance?
If you are choosing a non-network garage repair for your vehicle then you have to go with the reimbursement insurance claim with your Hero Electric Optima policy.
3. Which type of policy offers personal damage coverage with my Hero Electric Optima insurance?
Only the comprehensive type of policy offers personal damage coverage with your Hero Electric Optima insurance.
4. Can I get my Hero Electric Optima insurance renewed after it has expired?
Generally, companies allow a 90 days grace period for insurance renewal after its expiration. If you manage to get it renewed within this period, you will retain your continuous insurance benefits.
5. Can I cancel my existing insurance policy for my Hero Electric Optima scooter?
Yes, individuals can cancel their existing two wheeler insurance policy for their Hero Electric Optima electric scooter by giving valid paperwork and reasons.