Royal Enfield Classic 350/500 Insurance

In production since the year 2009, Royal Enfield Classic is a motorbike which perfectly fills the retro-biker sensibilities. Understandably, much like its compatriot Bullet, Classic 350 has also filled the fantasy of Indian bikers who go on expeditions.

There are several reasons that make the Royal Enfield Classic, one of the most sought after motorcycles in the Indian market. For instance:

• Despite also having the traditional round headlamp which is fixed with the front fork, Classic has a unique seat arrangement which makes it distinctly different from the Bullet.
• Riders can choose to remove the pillion seat which is attached separately on the rear mudguard, allowing them to feature an enhanced retro look on their ride.
• Models like Pegasus which sported a unique colour combination as a tribute to the WW2 model known by the same name have also been offered for limited periods of time.

Now, it is a given that owners of a bike of such calibre will be quite cautious about the care for their motor vehicle, but mishaps do occur unannounced. Which is why seeking a comprehensive two-wheeler insurance policy for the Royal Enfield Classic is pertinent.

But, what about which two-wheeler insurance policy to opt for?

Confused? Check out Digit’s!

Here, we discuss what makes Digit one of the best choices for your beloved Enfield’s insurance:

• A Large Number of Network Garages Across India: Any motor vehicle, be it a two-wheeler or four-wheeler, can be subject to an accident leading to mechanical breakdown. Under such circumstances, easy availability of cashless repairs for your Classic can reduce your hassles to quite an extent. Digit boasts of 1,000-plus network garages across India, making it easy for insured owners to get their Royal Enfield Classic 350 or even 500 repaired in case of emergencies.
• Types of Policies Offered: Digit offers several types of two-wheeler insurance policies for your Royal Enfield Classic and Classic 350. It is important you understand these policies and choose the right one for yourself since the Royal Enfield Classic 350 insurance cost varies with the policy of choice.
  • Third-Party Bike Insurance - These policies financially cover the damages to a third-party involved in an accident with your motorcycle. Be it a physical injury to the person involved or damage to his/her vehicle, property, this insurance policy financially covers all liability expenditures.
  • Comprehensive Bike Insurance - This option of insurance for your Royal Enfield Classic 350 covers third-party liabilities as well as your bike and self. These policies provide coverage for any damage sustained by the Royal Enfield Classic in an accident, due to fire, natural and man-made calamities, etc. You can also recover the cost of your motorcycle if it is stolen or damaged beyond repair.
  • Own Damage Bike Insurance - Owners of Royal Enfield Classic 350 or 500 who have purchased their vehicle after September 2018 can also avail a separate policy that covers ‘own damage.’ Even though these policies do not cover third-party liabilities, the owner of the motorbike as well as the bike itself are covered under this policy. 
• Online Purchase and Renewal: Digit offers online application and renewal to motorbike owners, in turn making the whole application process swift and easy. You can check the Royal Enfield Classic 500 insurance price as well as that of its 350 variant, along with their different options, and choose the right plan for yourself. After choosing the plan, it takes only a few minutes to complete the application procedure.
• Fast Online Claim Settlement Process: Digit proudly boasts of an easy and prompt claim filing process, as well as that of fast settlement. In terms of filing a claim, Digit offers its customers the option of a smartphone-enabled self-claim process, which completes the procedure in a matter of minutes. Additionally, Digit also has a high record of claim settlement ratio, which reduces the chances of your claim getting rejected.
• No Claim Bonus Benefits: While opting for Royal Enfield Classic 350 insurance renewal, you can also avail the benefit of the No Claim Bonus. Essentially, if you do not make any claims during a certain policy period, you can avail a discount on the renewal premium. The discount can go up to 50%, and Classic owners who are transferring their insurance policy to Digit can also avail themselves of this benefit.
• Premium Customer Service: The customer service of Digit is available 24X7, even if there is a national holiday. Additionally, Digit also offers the option to reach their customer service online or via call. Along with filing claims online, owners can also have the option of seeking assistance from customer service over a phone call.
• Personalised IDV: IDV, or Insured Declare Value is the total amount of money that is insured against your motorcycle. This value is calculated by subtracting the depreciation value of your motorcycle from the price at which it was bought. While Digit suggests an IDV, you also have the option to customise your IDV as per your requirements. 
• Multiple Add-On Options: Owners of Royal Enfield Classic who choose the comprehensive cover for their bikes can also buy additional protection in the form of add-ons on their policy. The different add-ons that are offered by Digit are listed below.
  • Return to invoice cover
  • Zero depreciation cover
  • Breakdown assistance
  • Engine and gear protection insurance
  • Consumable insurance

It is essential that you check and compare the Royal Enfield Classic 350 insurance price along with the add-ons you select.

Thus, with such benefits and more, Digit’s insurance policy makes for one of the best options when it comes to availing a two-wheeler insurance policy for your Royal Enfield Classic.