Honda CB Trigger Insurance

Honda replaced the Unicorn Dazzler with CB Trigger in 2013. The Japanese automaker designed CB Trigger with cutting edge features and a refined 150 cc engine to enter India’s urban street motorcycle segment. However, within 2 years of its launch, Honda discontinued CB Trigger in 2015.

If you ride this bike, opt for Honda CB Trigger insurance to safeguard your finances from possible accidental damages and other threats.

Several reputed insurance providers like Digit Insurance extend policy covers at your convenience. 

Apart from the insurance cost, there are several other pointers you must factor in before selecting an insurance provider. Digit brings you additional benefits along with affordable scheme options. Let us take a look at them.

1. Wide Range of Policies - Digit understands the different requirements of its customers and tailors its schemes accordingly. At Digit, you can choose from the following options-

1. Third-Party Policy - If your CB Trigger hits or damages another vehicle, person or property in an accident, the affected party can claim compensation from Digit. Further, this scheme covers all the litigation issues, if any.

1. Comprehensive Policy - This cover offers well-rounded protection against both third-party liabilities as well as own bike damage. In fact, if your bike gets damaged due to flood, earthquakes, fire or under any other incident or gets stolen, a comprehensive policy will take care of the losses.

Further, Digit Insurance offers a standalone own bike damage cover for third-party policyholders to ensure maximum financial protection.

1. Hassle-Free Online Process - You can now buy or renew your Honda CB Trigger insurance online. Visit the official website and scroll through the policy options given. And those opting for Honda CB Trigger insurance renewal online can log in to their respective accounts to start the process.

1. High Claim Settlement Ratio - Besides online buying and renewal options, Digit also presents a 100% digitised process for filing claims. You just have to submit the images on the self-inspection link sent to your registered mobile number as evidence. 

Thanks to its smartphone-enabled self-inspection system, Digit also tries to settle the maximum number of claims at a minimum TAT.

1. IDV Customisation - Digit gives you the facility to increase or decrease your bike’s IDV as per your convenience. In case your bike gets stolen or damaged beyond repair, you can claim maximum payout from Digit against your CB Trigger insurance. For that, you have to improve your Insured Declared Value by nominally increasing your premiums. 

1. Policy Modification with Add-on Covers - You can now uplift your base policy by including any of the 7 add-ons Digit extends. They are-

   • Consumable cover
   • Return to invoice cover
   • Zero depreciation cover
   • Breakdown assistance
   • Tyre protection and others

Note: To carry them forward, you need to increase your Honda CB Trigger insurance policy renewal price.

1. Vast Garage Network Nationwide - The insurer has tie-ups with over 2900 garages all over India. So, regardless of wherever you are in the country, be rest assured to find Digit network bike garages at your service. Also, all of the garages provide cashless repairs.

1. Round-the-Clock Service Support - Digit has an energetic team of customer support, offering speedy and reliable solutions to all your queries. Be it a Sunday or national holiday; you can seek assistance any time.

Further, Digit offers you the leverage to bring down the premium. For that, you have to select higher deductibles and avoid small claims. 

However, in India, it is by law that every two-wheeler owner must obtain insurance cover mandatorily. Why? Let us discuss.

Go through the following reasons to understand the significance of a two-wheeler insurance policy in India.

1. Necessary Legal Compliance - According to the Motor Vehicles Act 1988, every motorcycle owner in India must secure two-wheeler insurance to remain road legal. Any infringement will cost hefty penalties of ₹2,000 for a first-time offence and ₹4,000 for repetition. Also, you may get into custody for up to three months. 

1. Third-Party Protection - This bike insurance policy covers the third-party losses caused by your two-wheeler on your behalf. That means you do not have to compensate the affected party separately.

1. Own Damage Cover - A bike accident may damage your motorcycle too. In this regard, a comprehensive policy will provide financial aid. In addition, if your bike gets affected due to natural or man-made disasters, fire, theft or any other circumstances, this scheme will take care of the losses.

1. Personal Accident Cover - Accidents can be fatal enough to cause death or permanent disability of the rider. In this respect, the IRDAI has mandated personal accident cover for every motorcycle owner. Under this scheme, the policyholder's family members will receive a payout as compensation if the owner-rider dies or undergoes permanent/partial disability.

1. No Claim Bonus Discounts - Insurance providers offer a bonus if you do not file any claim for a year. This bonus will serve as a discount on your premium. For instance, Digit extends a 20-50% discount on the premiums depending on the number of claim-free years.

All the reasons sum up why two-wheeler insurance for Honda CB Trigger is crucial for you to obtain. 

Let us now remember a few features of CB Trigger.

Honda CB Trigger was available in three variants and three colour options - Black, Pearl Siena Red and Meteor Green Metallic. The variants competed with the likes of Yamaha FZ range and TVS Apache RTR.

• CB Trigger was installed with a 150 cc, air-cooled single-cylinder motor churning out 13.81 bHP of power at 8500 RPM and 12.5 Nm of torque at 6500 RPM. Also, the engine was mated with a 5-speed transmission gearbox.

• The mono-shock suspension at the rear offered comfortable rider control. 

• CB Trigger was the first Honda bike to exhibit an all-digital instrument console in India. Also, it has optional CBS, disc brake at both ends, tubeless tyres and viscous air filter with replacement interval.

Nevertheless, such features are not enough to assure 100% protection from accidents and other unavoidable mishaps. Thus, CB Trigger is as exposed to accidental damages as any other two-wheeler. And this justifies the significance of Honda CB Trigger insurance.