Honda Grazia Insurance

Honda Motorcycle and Scooter India rolled out an advanced urban scooter, Grazia, in 2017. This commuter comes with a stunningly bold design and intelligent features, leading to its popularity among Indian motorists. 

Moreover, the commuter’s sales figure crossed the 15000 mark in just 21 days from its inception. 

Although its features offer optimum performance and safety, you must consider the risks and damages it may be exposed to during unfortunate accidents. In such an instance, paying out of your pockets for damage repair costs can become a costly affair. 

Therefore, you should obtain Honda Grazia insurance to cover such costs and reduce your financial burden. 

In addition, you can choose from a list of reputed insurers in India for two-wheeler insurance. These insurance companies offer attractive deals that can effectively fulfil your insurance needs. One such insurance provider is Digit. 

Let’s take a look at the several offerings by this provider.

Insurers like Digit offer two-wheeler insurance for Honda Grazia along with several other benefits as follows:

1. Range of Coverage Options - Most insurers offer one basic third-party insurance and another comprehensive plan for your commuter. However, Digit gives you the option to choose from coverage options:

• Third-party Damage Cover - Under this scheme, you can cover third-party damages cost and avoid litigation issues arising from an accident involving your Honda scooter. 

• Own Damage Bike Cover - A third-party insurance policy does not cover damages caused to your Honda scooter. Therefore, you can avail of an own damage bike standalone policy from Digit and cover damages caused to Grazia due to accidents, collisions etc. 

• Comprehensive Cover - If you want overall coverage benefits on your two-wheeler insurance, choosing a comprehensive plan can be an ideal option. Under this policy, you can obtain coverage for both third-party and own bike damages. 

1. Wide Range of Network Garages - Digit entails more than 2900 network garages across India from where you can get your Honda scooter repaired. By choosing Digit network bike garages, you can avail of cashless repairs for your commuter. 

1. Cashless Facility - The cashless facility from this insurer allows you to get damage repairs from authorised garages without paying any cash. Your insurer will pay on your behalf for Honda scooter damages. Further, this facility makes it possible for you to save money. 

1. IDV Customisation - Insurers set a policy premium based on your commuter’s Insured Declared Value (IDV). They find out this value by subtracting the scooter’s depreciation from the manufacturer’s selling price. However, insurance providers like Digit give you the option to customise this value as per your requirement.  Therefore, you can maximise your returns by availing of this feature. 

1. Online Process - From Digit, you can obtain Honda Grazia insurance online owing to their digital processes. You can simply apply for an insurance plan from your smartphone and complete the procedure within a few minutes. 

1. Add-on Policies - If you wish to obtain additional protection for your Honda Grazia, there are five add-on benefits available for you. However, you can get such benefits only after obtaining a comprehensive base plan. Some of the add-on policies include consumable cover, return to invoice cover, zero-depreciation cover and more. 

1. Self-inspection Feature - You can expect less turnaround time while raising claims on your Digit insurance due to the smartphone-enabled processes. Further, during the claim process, you can inspect your Honda scooter from your smartphone and receive super fast claims within a short span. 

Other than this, should you face any issues regarding Honda Grazia insurance renewal online, you can contact this insurer’s responsive customer service. They are at your service 24x7.

Apart from preventing financial dents, Honda Grazia insurance comes with several lucrative benefits as follows:

• Avoid Legal Liabilities - You can avoid hefty traffic fines by opting for two-wheeler insurance. Without proper insurance, you are liable to pay around ₹2000 for offending the rules the first time and ₹4000 during the second offence. 

• Reduce Financial Liabilities - Without valid insurance, you might need to pay for the damages caused to your vehicle, increasing financial pressure. Therefore, you can steer clear of such expenses by availing of well-rounded two-wheeler insurance as it offers complete coverage benefits. 

• Avoid Third-party Repercussions - As per the Motor Vehicles Act, 1988, every driver must obtain a minimum third-party insurance plan to avoid traffic fines. This basic plan covers damages caused by your Honda commuter to a third-party person, vehicle or property. 

• Own Damage Cover - If you wish to cover damage costs of your Honda scooter involved in accidents and collisions, you can obtain comprehensive two-wheeler insurance. This insurance policy offers complete coverage. Further, you can cover damages resulting from theft, natural or artificial disasters and more. 

• Personal Accident Cover - As per the IRDA, individuals obtaining either a third-party or a comprehensive policy are liable to receive compensation under a personal accident cover. Note that you will be eligible for this financial support in case of accidents resulting in serious damages like permanent total disability or death. 

• No Claim Benefits - At the time of Honda Grazia insurance policy renewal, your insurer might offer discounts on your policy premium if you manage to raise zero claims in a year. This discount may range from 20% to 50%, depending on your number of claim-free years within the policy term. 

Additionally, you can get other benefits if you choose two-wheeler insurance from Digit.

Here are some key specifications of the Grazia model from the house of Honda:

1. It runs on a 124.9 cc fan-cooled, 4-stroke engine, generating 8.52 bhp of maximum power and 10.54 Nm of maximum torque. 

2. The Honda Grazia engine is coupled with a CVT automatic gearbox. 

3. The commuter offers a maximum speed of 85 kmph. 

4. It features a Combi Brake System (CBS) that distributes force equally between front and rear brakes when you press the lever for the rear brake. 

5. The scooter’s front suspension equips telescopic forks, while the rear comes with a spring-loaded hydraulic system. 

6. It has a dual-tone colour with sharp and swift lines that gives it a sporty appearance. 

7. Grazia sports a digital instrument cluster with a three-step eco speed indicator and two screens. 

8. One of the safety features of the scooter includes a 4-in-1 lock with a seat opening switch. 

Despite having such top-notch features, your Honda scooter is still susceptible to damages arising from unfortunate accidents. Considering that, you must obtain Honda Grazia insurance.