Hero XPulse Insurance

Launched by Hero MotoCorp in May 2019, XPulse is an Indian dual-sport motorcycle and a successor of Hero Impulse. Unlike the Impulse, this bike is an adventure tourer motorcycle. 

Since its inception, this Hero commuter has received much appreciation from buyers due to its top-notch features. Nonetheless, owners must obtain Hero XPulse bike insurance considering the risks and damages it may be exposed to. 

Obtaining two-wheeler insurance in India is hassle-free, as several insurers offer both third-party and comprehensive insurance plans. Among them, Digit is one such company that provides three coverage options on your insurance. 

Let's check out some other benefits extended by this insurance provider.

Damage repair costs of your XPulse bike can burn a hole in your pockets if not for insurance policies. Insurance providers like Digit understand your needs and offer attractive deals on your two-wheeler insurance. 

Here are some benefits you can expect while obtaining Hero XPulse insurance:

• Coverage Options Available - Digit provides the following insurance options:

1. Third-party Damage Cover - This scheme includes coverage benefits for damages caused to a third party. It also takes care of litigation issues arising from the accident or unfortunate situation. 

2. Own Damage Bike Cover - Individuals owning third-party bike insurance for Hero XPulse can get this standalone cover from Digit to cover damages caused to their Hero bike. 

3. Comprehensive Cover - This is a complete cover that includes both third-party and own bike damages. 

• IDV Customisation - By opting for a comprehensive insurance plan from this insurer, you have the option to customise your bike's IDV. This is the Insured Declared Value that an insurer offers in case of bike theft or damages beyond repair. 

• Paperless Documentation - Owing to the technology-driven processes of Digit, you need not furnish hard copies of documents during the insurance application and claim process. Therefore, you can upload the documents and save time in the process. 

• Convenient Self-inspection Process - The claim process of Digit insurance is relatively seamless as there is no involvement of authorities checking your vehicle for damages. From your smartphone, you can select the damages and proceed with the claim. 

• Range of Network Garages - More than 2900 Digit network bike garages are available across India that offer cashless facilities. 

• High Claim Settlement - Due to its smartphone-enabled processes, insurers like Digit settle claims within a few minutes and come with a high claim settlement ratio of 97%. 

• Add-on Benefits - Digit offers several add-on benefits such as zero depreciation cover, consumable cover, breakdown assistance and more to those who require additional protection aside from their existing insurance policy. 

Also, you can avail discounts on Hero XPulse insurance price by choosing this insurer.

You can opt for third-party XPulse insurance or a well-rounded, comprehensive plan to avoid both financial and legal liabilities. Let's understand the benefits of availing of two-wheeler insurance from the following section:

1. No Claim Bonus - You can avail of discounts on policy premiums during Hero XPulse insurance renewal during a claim-free year within the policy tenor. These discounts or No Claim Bonuses can go up to 50% depending on your insurer and non-claim years. 

2. Personal Accident Cover - Whether you opt for third-party or comprehensive Hero XPulse bike insurance, you are liable to receive compensation under a personal accident cover. This is valid only in case of accidents that result in permanent total disability or death. 

3. Reduce Third-party Liabilities - Your Hero motorcycle can cause damages to a third-party person, property or vehicle during an accident or collision. In such a scenario, third-party insurance will cover such damages and reduce liability. 

4. Own Bike Damages - Comprehensive insurance policies cover damages caused to your Hero bike in case of accidents, theft, natural or artificial disasters. 

5. Decrease Financial Burden - Repairing damages caused to your XPulse can become a costly affair if you do not possess valid insurance. Insurance for your Hero bike covers the hefty repair costs enabling you to save expenses for the future. 

6. Avoid Legal Liabilities - With a proper two-wheeler insurance policy, you can avoid heavy traffic fines. Without insurance, you are liable to pay ₹2000 for a first time offence and ₹4000 for the second time. Thus, it is always better to bear the Hero XPulse insurance cost than pay penalties. 

Furthermore, you can choose a plan with a lower Hero XPulse bike insurance price by settling for a high voluntary deductible plan. However, such a plan will be beneficial only if you raise fewer claims throughout the policy term. 

In this regard, you can consider Digit insurance as they offer round-the-clock assistance regarding your insurance, which will help you maximise benefits.

Hero XPulse is one of the best-selling models in the Indian commuter market due to its key features such as follows:

• It consists of an oil-cooled, 4-stroke 4-valve single-cylinder OHC engine that produces a maximum power of 19.1 PS at 8500 RPM. Further, the engine displacement of this model is 199.6 cc. 

• Hero XPulse is available in manual transmission and equips a 5-speed gearbox. 

• It comes with a fuel tank capacity of 13 litres and weighs 158 kg. 

• You will find a diamond type chassis in this motorcycle and telescopic front forks with anti-friction bush type front suspensions along with a rectangular swingarm with mono-shock rear suspensions. 

• This motorcycle includes some safety features like a single Anti-Braking System, adjustable windscreen, gear indicator, passenger footrest, riding modes and more. 

Although this Hero commuter equips a number of safety features, it is still prone to accidents and damages. Therefore, it is wise to opt for Hero XPulse bike insurance and reduce the financial burden that may arise from the repair costs. 

In this aspect, Digit insurance can be a desirable option.