Hero Splendor is perhaps one of the most well-known budget bikes in India. So, if you are considering purchasing the two-wheeler, it is best to inform yourself about its features, what makes it popular and what you should look for before purchasing a bike insurance policy for it.

Hero MotoCorp, the company behind Splendor production, has been a market leader in two-wheeler sales within the country for quite some time. In June 2019, Hero’s Splendor and HF Deluxe recorded impressive sales with the former selling more than 2.42 lakh units. (1)

Are you looking for a durable and fuel-efficient bike? Well, the Splendor may be just what you need.

Even though the Splendor is designed to withstand the natural wear and tear, accidental damage to your bike can still cripple its performance. Buying Hero Splendor insurance can help you finance the costly repairs for your bike in the event of such accidents. The insurance policy is also crucial to cover third-party liabilities that might arise due to an accident.

Further, it is best to bear in mind that an insurance cover for your two-wheeler is not only necessary but mandated by the law as well, as per the Motor Vehicles Act 1988. Failure to comply with this rule can lead to hefty traffic fines of Rs. 2000 and Rs. 4,000 for repeated offence. 

Introduced more than 25 years ago, the Hero Splendor was the perfect addition into Hero’s impressive line-up of two-wheelers. Due to its affordable pricing and brilliant performance, Splendor became a household name in almost no time.

Further, it revolutionized the industry by offering innovative technology when it launched, such as an electronic ignition system, which was almost unheard of in India.

• Today, you can select from several Splendor models, all of which offer mileages of around 80 kmpl. The powerful 4-stroke single-cylinder 97cc engine is great for everyday usage, making this bike the perfect vehicle for regular conveyance.
• Winner of several awards, the Hero Splendor range has managed to impress critics as well as its consumers.
• Splendor was one of the top two models in the two-wheeler category, according to an ET Brand Equity Survey in 2006. In 2016, J.D. Power India adjudged Hero Super Splendor as the best executive motorcycle. (2)
• In November 2019, the company launched a BS-VI compliant version of the popular bike, titled the Splendor iSmart that can limit harmful emissions while driving the vehicle. (3)

Therefore, Splendor is a bike worthy of your pride and protection. Any damage befalling the vehicle will increase your financial liability in initiating repairs. However, accidents are common in Indian roads. Thus the best you can do is opt for a Hero Super Splendor insurance plan.

Even when you are purchasing insurance coverage for your bike, determining the best insurance provider is vital. Digit provides reliable, paperless insurance policies with almost no hassle.

But, how do you benefit after availing insurance from Digit? Well, take a look.

With countless options available in the market, it is quite common for you to wonder what sets Digit apart from the others. Listed below are some of the features you can avail when you avail a Splendor bike insurance policy from us:

• Online Claim Process - Digit understands the importance of your time. Therefore, they have devised a digital process to avail and claim policies. No longer do you need to submit a heap of paper to the insurer when you raise claims against the insurance policy. Further, Digit offers a smartphone-enabled self-inspection process that streamlines the claim process further. Further, Digit’s high claim settlement ratio is another bonus that reduces the chance of your claim getting rejected.
• Cashless Claims Made Easy with a Large Number of Network Garages - Digit makes you eligible to avail cashless accidental repairs from over 1,000 network garages across the country. If your bike undergoes damage and needs repair due to an accident, you can look up the nearest network garage and avail cashless repairs. In these places, you can avail your Digit policy immediately, thereby, eliminating the need to spend any money from your own pocket.
• Efficient 24x7 Customer Care Service - Accidents can occur at any time, regardless of whether it is in the middle of the day or at night. Therefore, an insurance selling company must be willing to resolve claim filings and other issues at all times. Thankfully, Digit’s customer assistance department is available for customers 24 hours a day, even on national holidays. Whether you have questions regarding your policy or you simply want to inform the company about accidents, a company representative is always just a call away.
• Various Types of Splendor Insurance Policies to Choose from - Digit believes in letting the consumer decide what is best for them. With this in mind, they offer the following types of Hero Splendor Plus insurance policies:
• a) Third-Party Liability Two-Wheeler Insurance Policy – In this plan, your Splendor two-wheeler insurance policy will only cover the damage sustained by a third party individual, vehicle or property in the accident involving your bike.
• b) Comprehensive Two-Wheeler Insurance Policies – These insurance plans provide coverage for a range of damages to your vehicle. In addition to third-party liability, the policy also covers the cost incurred to repair your own bike’s damage. Additionally, such a plan covers expenses incurred in the event of bike damage due to fire, theft, natural or man-made calamities.

Further, you can also avail an Own Damage cover for your Splendor two-wheeler. This is a relatively new insurance policy that you can avail if you have purchased your Splendor vehicle after September 2018. In Digit’s Own Damage Cover, you can avail the extensive protection normally found in comprehensive policies sans the third-party liability portion of such a plan.

Regardless of the policy you pick, ensure that it reduces your financial liability considerably in the event of unfortunate incidents.

• Customisable Insured Declared Value - The insured declared value or IDV offered under your two-wheeler insurance policy refers to a predetermined amount of funds that Digit will pay you if your bike is stolen or damaged beyond repair. The insured declared value equals to the manufacturer price of the bike model minus its depreciation. Digit offers you a high IDV and further allows you to customise your IDV, allowing you to maximise your benefits from your two-wheeler insurance policy.
• No Claim Bonus - If you manage to pass a whole insurance term without claiming your policy even once, you will be eligible for NCB or no-claim bonus benefits on your policy premium. With each successive claim-free terms, your NCB is clubbed (and can go up to as much as 50%), allowing you to avail the best protection at lowered insurance premiums. Digit’s attractive NCB offering is just another reason to opt for the company’s policies. 

Availability of Add-On Covers to Modify Your insurance policy - Digit allows you to modify the policy as per your wishes with a range of add-ons. These standalone coverage enhance your financial protection when your bike undergoes any damage. Few of the add-ons you can avail under Digit’s two-wheeler insurance policy are:

• Zero depreciation cover.
• Engine and gear protection cover
• Breakdown assistance
• Consumable cover
• Return to invoice cover

With such benefits and more, Digit’s affordable Splendor two-wheeler insurance policies offer all-round financial protection as far as the vehicle is concerned.

Hero Splendor Insurance: Model Specific Policies

Hero Motocorp has launched six Splendor models to date, namely, Splendor Plus, Splendor Pro, Splendor Pro Classic, Splendor iSmart, Super Splendor and Splendor iSmart 110.

• Splendor Plus - The oldest model amongst all of the splendour variants, Splendor Plus’s design remains unchanged from its launch design in 1995. It features a 97.2cc four-stroke single-cylinder engine. Digit’s Hero Honda Splendor Plus insurance plan can adequately cover the vehicle, allowing you to replace damaged parts and maintain the overall look and feel of the trusty bike.
• Hero Splendor Plus i3s - The Splendor Plus i3s is another affordable commuter model on offer from Hero. It sports a 97.2 CC engine with a 4-speed transmission. You can choose amongst the five distinct colours while buying the vehicle.
• Splendor iSmart 110 - Featuring an advanced body and graphics, the iSmart 110 also boasts an improved engine, with a four-stroke, 110cc and a single cylinder. It also features the state-of-the-art i3S technology, bringing a premium feel to the otherwise budget-friendly sector.

Regardless of which among the six Splendor models you own, availing Digit’s insurance policies will ease your mind.

Instead of worrying about your bike, enjoy the ride!