Hero Destini Insurance

Hero MotoCorp made its latest and the very first contribution to the 125 cc scooter segment in India by launching Hero Destini. This model was showcased at the Auto Expo 2018.

Owing to its performance, comfort and convenience, the company has sold around 14000 units of Destini in March 2021. However, being an owner of this commuter, obtaining Hero Destini insurance to insure your scooter against damages is of utmost importance.

Majorly, two-wheeler insurances are available in two options- comprehensive and third-party. Nevertheless, insurers like Digit offer three covers along with some other benefits.

While choosing an insurance provider, Hero Destini insurance price is not the only factor to look out for. Reputed insurers like Digit come with a number of attractive deals along with competitive policy premiums. 

Here are the reasons for choosing Digit as your Destini insurance provider -

• Range of Insurance Covers - While opting for Digit’s two-wheeler insurance, you can choose from the following options -

1. Third-party Damage Cover - This includes coverage for damages caused to a third-party by your Hero scooter in the event of accidents, collisions etc.

2. Own Damage Cover - To protect your Hero commuter from damages and risks, Digit offers a standalone own damage cover. You can get this cover for additional protection besides that offered by a comprehensive plan. 

3. Comprehensive Cover - A well-rounded, comprehensive two-wheeler insurance policy from Digit provides complete coverage benefits, including third-part and own damages. 

• Easy Online Application - You can apply for Hero Destini insurance online owing to this insurance company’s technology-driven processes. Therefore, you can expect to complete the entire procedure within minutes from your smartphone. 

• Minimal Documentation - By simply downloading the Digit app, you can complete the application procedure. While doing so, you can take advantage of Digit’s paperless process wherein you need not furnish hard copies of documents. You can upload a few essential ones by uploading them via the online portal. 

• Quick Claim Settlement - With its smartphone-enabled self-inspection process, it won’t take much time to raise a claim as there is no involvement of an authority inspecting your Hero scooter for damages. Consequently, the claim settlement is also quick and hassle-free.

• Large Network of Cashless Garages - Digit has 2900+ network garages across India from where you can avail cashless facilities. In these facilities, you need not pay anything for Hero Destini damage repairs as your insurer will settle all costs directly with the repair centre. Therefore, it is practical to choose Digit network garages and opt for a cashless facility in case of any accident. 

• IDV Customisation - Insurers offer an Insured Declared Value for your scooter in case it is stolen or has damages beyond repair. They find out this value by subtracting the vehicle’s depreciation from the manufacturer’s selling price. By choosing Digit’s Hero Destini insurance, you can choose this amount and maximise your returns. 

• Add-on Policies - If you opt for a comprehensive insurance plan from Digit, you can get some add-on benefits on top of your base plan by paying a little over your policy premium. Some of the add-on covers are consumable cover, Return-to-Invoice cover, and breakdown assistance, among others. 

Besides, Digit offers discounts on your premium during the Hero Destini insurance renewal policy for not raising claims in a year.

As per the Motor Vehicles Act, 1988, every driver should possess a basic insurance plan to avoid liabilities. Apart from that, here are some benefits of availing Hero Destini insurance -

1. Reduce Financial Burden - Repair costs of your Hero bike can be hefty and increase your financial burden. However, an insurance plan can cover such expenses and leave room for future savings. 

1. Avoid Legal Accountability - As per the law, driving without a valid insurance plan can result in heavy charges and penalties, which can lead to further financial losses. Therefore, choosing to pay for a two-wheeler Destini insurance policy rather than paying fines seems to be an intelligent choice. 

1. Covers Third-party Damages - A basic third-party insurance policy for your Hero Destini covers damages caused to a third-party person, vehicle or property by your scooter. This plan also takes care of litigation issues. 

1. Own Damages Covered - Under comprehensive two-wheeler insurance, coverage benefits are available for damages caused to your Hero scooter in case of accidents, theft, fire, etc. 

1. No Claim Bonus - While opting for Hero Destini insurance renewal online, your insurer can offer you discounts on your policy premium for a claim-free year within the tenor.  These discounts, also known as No Claim Bonuses, may range up to 50% depending on your insurer. 

In this regard, Digit can be a viable option for your two-wheeler insurance needs.

Hero Destini is a popular choice among motor enthusiasts due to the following key specifications

1. Powered by an Air-Cooled, 4-Stroke, SI Engine, this two-wheeler offers a displacement of 124.6 cc. It produces power of 6.7 kW (9 BHP) @ 7000 RPM and 10.4 Nm @ 5500 Revolutions Per Minute (RPM) torque. 

2. The model consists of a dry, centrifugal clutch with a variometric drive gearbox. 

3. In its front suspension, you will find a telescopic hydraulic shock absorber and its rear suspension features a unit swing with a spring-loaded hydraulic damper. 

4. This scooter’s dimensions are 1809 mm, 729 mm, and 1154 mm in length, width, and height. This 130 kg commuter has a ground clearance of 155 mm and has a fuel tank capacity of 5 litres. 

5. It sports halogen bulb multi-reflector type headlamp, multi-reflector type tail or stop lamp, and MFR, clear lens, amber bulb turn signal lamp. 

Despite having such attractive features, this scooter can inflict damage on a third party or get damaged during accidents. Therefore, it is evident to obtain Hero Destini insurance and protect yourself from financial losses arising from the hefty repair costs. 

While choosing a policy, two-wheeler insurance from Digit can be a consideration given the loads of benefits it provides.