Harley Davidson Bike Insurance

Harley-Davidson’s association with igniting desirability is a part of its 118-years old legacy. The world-leading designs, engineering, advanced technologies, and innovation lie in its craftsmanship. The American two-wheeler manufacturer creates motorcycles to inspire customers to discover adventure and freedom. 

Engineers at Harley-Davidson recognise the diverse needs and expectations of commuters to create touchpoints tailored to everyone’s requirements.

Harley-Davidson bikes are synonymous with durability and innovative design. One of its notable features is the V-twin engines. Now, based on the frame, engine and other features, the latest Harley motorbikes are categories into seven families-

• Softail
• Touring
• Sportster
• Vrod
• Street
• LiveWire
• Dyna

However, the automaker has entered a strategic alliance with Hero MotoCorp to sell motorcycles in India. This new joint venture will provide access to Hero’s vast dealership network nationwide.

Now, buying a Harley-Davidson motorcycle is an expensive affair. Additionally, the replacement parts are costly and are not readily available in the market. Therefore, purchasing or renewing an insurance policy is wise to avoid unnecessary expenses.

Insurance for Harley-Davidson two-wheeler is essential to do away with the hefty repair/replacement costs down the line. Apart from this, a valid bike insurance policy protects commuters by providing the following benefits.

1. Third-Party Protection - In the event of an accident or collision, if your Harley model inflicts damage to another vehicle or property, your insurance company will bear all the expenses. Additionally, if you hit a person, your Harley-Davidson two-wheeler insurance policy will provide compensation. 

1. Own Damage Coverage - Apart from accidents, your Harley model is exposed to other threats such as floods, theft, earthquakes, fire, vandalism, etc. Under such circumstances, insurers reimburse damage repair/replacement expenses against your valid bike insurance policy.

1. Protection from Legal Repercussions - Valid two-wheeler insurance for Harley-Davidson is essential to steer clear of hefty fines and other punishments. As per the Motor Vehicles Act of 1988, any rider without a third-party insurance policy is liable to pay a penalty of ₹2,000. Any repetition attracts ₹4,000 fine. Moreover, such a crime may result in three months jail or license cancellation.

1. Personal Accident Cover - The IRDAI has mandated PA cover for every motorcycle owner in India. The rule states that insurance companies must compensate the policyholder’s family members in case of deaths or disablements due to accidents.

1. No Claim Bonus - Leading insurance companies offer No Claim Bonus to their policyholders against non-claim years. This bonus will serve as a discount on policy premiums if you opt for Harley-Davidson two-wheeler insurance renewal.

In this connection, Digit Insurance can be a reliable option as it offers NCB discounts ranging from 20% to 50%, based on the number of claim-free years.

While looking for a bike insurance policy for your Harley motorcycle, there are several other factors to take into account apart from Harley-Davidson two-wheeler insurance price, such as IDV factor, add-on options, to name a few. A reliable insurance company like Digit extends additional benefits to enhance your insurance policy coverage. 

Read through to learn about them.

1. Vast Range of Options - Digit offers two convenient policy options tailored to its customers’ needs. 

1. Third-Party Insurance Policy - Under this scheme, you are no longer liable to pay for any damage caused by your bike to a third-party person, property or vehicle. It also resolves litigation issues that may arise in under such circumstances. 

Note: This is a compulsory policy as per the Motor Vehicles Act 1988.

1. Comprehensive Insurance Policy - This is the most extensive policy Digit provides. Besides third-party coverage, it also extends Own damage protection. So, if your bike gets damaged in an accident or due to any natural calamities, fire and other similar threats, you can file a claim against your policy. 

However, third-party policyholders can upgrade their policy coverage by opting for standalone Own Damage Protection against additional charges.

1. Hassle-Free Purchasing Option - You can buy Harley-Davidson two-wheeler insurance online from Digit. All you have to do is visit the official website and choose a policy based on your requirements. Further, you can renew your insurance policy in minutes by logging in to your existing accounts.

1. 3-Step Claim Filing Procedure - Digit makes the claim filing process easy and readily extends financial aid in emergencies. Follow the steps to raise claims against your valid bike insurance policy instantly.

Step 1: Call on 1800 258 5956 from your registered mobile number and get a self-inspection link

Step 2: Attach all relevant images as proof of accident on the link

Step 3: Choose a mode of repair from ‘Reimbursement’ or ‘Cashless’ at your convenience

1. Policy Modification With Add-ons - You can elevate your comprehensive insurance plan by including any of the following add-ons.

   • Zero depreciation
   • Consumables
   • Return to invoice
   • Roadside assistance
   • Engine protection

Note: Digit charges an additional Harley-Davidson two-wheeler insurance renewal price to let you continue the benefits after renewal.

1. IDV Modification Facility - Insurance policy premiums depend on the Insured Declared Value of a motorcycle. Therefore, the more the IDV, the higher is the premium and thus, the better the protection. Digit facilitates its customers to customise policy premiums as per their convenience.

1. Vast Network of Garages - Are you out of town and looking for Digit network bike garages nearby? You will find one in the vicinity as the insurance company has collaborated with over 2900 network garages across India.

1. Reliable Customer Support - Digit boasts an energetic team of customer care executives who provide speedy solutions around the clock.

In addition, Digit allows its customers to bring down Harley-Davidson two-wheeler insurance policy premiums by selecting higher voluntary deductibles and refraining from frequent claims.