Firstly, when you make a bike insurance claim, and it is cleared, there are two parts to the total claim payment made. One part is paid by us and other by you, your part is called an excess or a deductible. It can be a combination of compulsory (which is compulsory of course) and voluntary. Voluntary one is the additional amount you choose to pay during a bike insurance claim, over and above the amount that we have set for you to pay (the compulsory one). Why do people choose voluntary deductible? People use it to bring down their two wheeler insurance premium.  Tip: Don’t get greedy and use this feature just to lower your two wheeler insurance premium. The best case to use it is only when you are at a good 50% No Claim Bonus level (i.e. not claimed since 5 years). This means you have a lesser probability to make a claim and you can reduce your two wheeler insurance premium.

Firstly, when you make a bike insurance claim, and it is cleared, there are two parts to the total claim payment made. One part is paid by us and other by you, your part is called an excess or a deductible. It can be a combination of compulsory (which is compulsory of course) and voluntary. Voluntary one is the additional amount you choose to pay during a bike insurance claim, over and above the amount that we have set for you to pay (the compulsory one). Why do people choose voluntary deductible? People use it to bring down their two wheeler insurance premium. 

Tip: Don’t get greedy and use this feature just to lower your two wheeler insurance premium. The best case to use it is only when you are at a good 50% No Claim Bonus level (i.e. not claimed since 5 years). This means you have a lesser probability to make a claim and you can reduce your two wheeler insurance premium.

Compulsory excess is another word for deductible – the amount you pay as your part of the claim.

Compulsory excess is another word for deductible – the amount you pay as your part of the claim.

Important aspects to be considered before purchasing any policy are: Speed of claim settlement- You don’t want to wait for your money, right? Approachability- Again, hours of waiting to talk to the customer care is not done! Cashless option for your two wheeler repairs Network connectivity- Not your phone one but the service center network. Claim settlement history of the company.

Important aspects to be considered before purchasing any policy are:

1. Speed of claim settlement- You don’t want to wait for your money, right?
2. Approachability- Again, hours of waiting to talk to the customer care is not done!
3. Cashless option for your two wheeler repairs
4. Network connectivity- Not your phone one but the service center network.
5. Claim settlement history of the company.

We are as document averse as you are. For a new policy, you don’t have to do any documentation.

We are as document averse as you are. For a new policy, you don’t have to do any documentation.

Once the payment is done, the soft-copy of the policy will reach your mail box. Zip, zap, zoom! We believe in going green so we don’t send a hard-copy but if you want it you can just let us know, we’ll send it to you.

Once the payment is done, the soft-copy of the policy will reach your mail box. Zip, zap, zoom! We believe in going green so we don’t send a hard-copy but if you want it you can just let us know, we’ll send it to you.

Your NCB (No Claim Bonus) is for your good driving record. So, even if you change your two wheeler insurance company, it stays with you.

Your NCB (No Claim Bonus) is for your good driving record. So, even if you change your two wheeler insurance company, it stays with you.

No, it does not have any disadvantages. Rather it is a smarter way to compare and buy the right two wheeler insurance for yourself.

No, it does not have any disadvantages. Rather it is a smarter way to compare and buy the right two wheeler insurance for yourself.