Kinetic Scooter Insurance

Kinetic Engineering joined hands with Honda Motor Company to launch electric start and gearless transmission scooters such as DX, EX ZX and Marvel, awarded the ‘Scooter of the Year’.

However, in 1998 the companies renounced after Firodias acquired a majority stake. Then, from 2000 to 2008, Kinetic introduced a range of two-wheeler models such as -

• Y2K
• ZX Zoom
• Nova
• 4S
• Kine
• Jupiter
• Blaze

Among these, Zoom was a notable electric model available in vast colour schemes. It came with a 3-year guaranteed battery that took nearly 3 hours to charge optimally. The model provided a mileage of 100km/charge. It further featured-

• Parking switch
• Digital speedometer
• LED lamp
• Cruise switch and more

After 10 years, Kinetic collaborated with Mahindra Automobiles to re-establish its stature by designing high-tech two-wheeler models. Later, the company discontinued scooter production and started dealing with automobile parts. 

Nonetheless, Kinetic scooters were expensive back in those days. Also, their replacement parts will be hard to find as they are out of production now. Therefore, it will be wise to opt for a new or renew your old two-wheeler insurance policy to confirm financial safety.

Your insurance for Kinetic Scooter will provide financial coverage on repair and replacement expenses and other benefits. They are-

1. Third-Party Coverage - This is a compulsory two-wheeler policy for every motorist in India. If your bike hits another vehicle, person or property in an accident, the insurance company will provide financial aid to compensate for all the losses. 

In case you fail to produce your third-party insurance documents, you have to pay a hefty penalty of ₹ 2,000 for a first-time offence and ₹ 4,000 for the subsequent ones. You may even end up in jail for 3 months.

1. Personal Accident Cover - As per the IRDAI, insurance companies have to provide PA cover to their customers. Under this protection, the insurer extends ₹15 lakhs compensation to the rider’s family members if he/she dies or undergoes permanent or partial disablement. 

1. Own Damage Protection - Accidents can be severe enough to damage your motorcycle. Besides, your two-wheeler is exposed to other threats such as floods, earthquakes, fire, theft, thunderstorms, etc. Under such cases, your insurer will pay for the repair/replacement against your policy.

1. No Claim Bonus Benefit - Insurance companies reward their customers with a No Claim Bonus if one does not file a claim for an entire year. This bonus acts as a discount on the premium and ranges from 20% to 50%. The discounts depend on the number of non-claim years.

In this regard, Digit Insurance is a reliable option for a two-wheeler insurance policy.

Apart from Kinetic Scooter insurance price, there are other factors you must evaluate, such as IDV, add-on options available and more. Digit Insurance assures all these benefits and other additional offers to ensure you complete financial coverage and swift service.

Read through to know about them.

1. Two Policy Options - Digit extends tailored insurance plans at your convenience. You can pick from the following options.

1. Third-Party Policy - If your Kinetic scooter hits another person or a vehicle or property, Digit will compensate for the losses against your policy. Besides, it will handle any litigation concerns that are common in such cases.

1. Comprehensive Policy - Under this plan, you no longer have to pay for repair or replacements. That means that this plan provides Own Damage protection if your bike undergoes damages due to an accident and other mishaps such as flood, earthquake, fire, theft, etc. The comprehensive policy even provides third-party coverage.

Note: Third-party policyholders can elevate their basic plan by opting for Own Damage protection separately.

1. 3-Step Claim Filing Process - To ensure a hassle-free experience, Digit facilitates its customers with a self-inspection system that speeds up the claim filing procedure. All you have to do is-

1. Call on 1800 258 5956 to get a self-inspection link on your registered mobile number

2. Attach all the required photographs of your damaged motorcycle on the link

3. Choose between the available modes of repair- ‘Reimbursement’ or ‘Cashless’

1. Buy or Renew Policies Online - You can now make a quick choice between which one to opt for third-party or comprehensive policies. Digit offers Kinetic Scooter insurance online, and you just need to visit the official website to make an informed choice. Now, if you already are a member, log in to your existing account for hassle-free Kinetic Scooter insurance renewal.

1. Policy Alteration With Add-ons - Digit gives you a chance to expand your insurance policy coverage by including add-on covers from the following options-

• Engine and gear protection
• Consumables
• Roadside assistance
• Return to invoice
• Zero depreciation

Note: To continue the benefits, you need to increase your Kinetic Scooter insurance renewal price.

1. IDV Modification - Digit allows its customer to decide Insured Declared Values as per their convenience. So, if you select a higher IDV against additional charges, you will receive higher compensation in case your Kinetic scooter gets stolen or damaged beyond repair.

1. Dependable Customer Support - Digit boasts a reliable team of customer care offering service 24X7. So, whether it is a Sunday or a national holiday, you will find Digit customer care executives at your service.

1. 2900+ Digit Network Bike Garages - Now travel tension-free to any corner of India. You will find a Digit network garage in the vicinity offering cashless repair against your two-wheeler insurance policy.

Along with these, Digit also helps you lower the premiums payable. So, if you choose higher voluntary deductibles and avoid small claims, your Kinetic scooter insurance premiums go down as well.

Nevertheless, you must remember that a lower premium does not assure complete financial protection. Therefore, make a cautious choice to avoid unnecessary financial stress.