Royal Enfield Classic Insurance

Thinking of gliding through the kilometres on an Enfield Classic? But, before you take your motorcycle out for a spin, have you thought of purchasing a Royal Enfield Classic two-wheeler insurance policy? Take a look at the features of a two-wheeler insurance policy to maximise your benefits from it!

Royal Enfield is originally a British Motorcycle company that supplied the English armed forces with motorcycles through a majority of the 20^th century, especially during both the World Wars.

The Royal Enfield Classic was envisioned by the company as a tribute to its service to the WW2. It was not just to be a symbol of the war; it was to be a symbol of the riding culture and the classical outlook of that time as well. With this singular aim set in their sight, the motorbike was designed on the existing mainframe of Bullet.

Like all other Royal Enfield models, the Classic also belongs to the pricier spectrum of motorcycles manufactured in India. That is why seeking repairs for any damage it sustains in an accident or due to any other mishap can be pretty pricey on your pocket.

A Royal Enfield Classic insurance policy is, thus, an important tool that can reduce your financial liabilities arising under such circumstances. Further, the Motor Vehicles Act 1988 also mandates every motorised vehicle owner to purchase a third-party liability insurance policy for their vehicle.

Without this policy, in place, you can be penalised with a traffic fine of Rs. 2000, and Rs. 4000 for repeated offence.

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 of 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 Two-Wheeler Insurance Policy - 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 Two-Wheeler Insurance Policy - 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.

Owners of Royal Enfield Classic 350 or 500 who have purchased their vehicle after September 2018 can also avail a separate policy which covers ‘own damage’. Even though these policies do not cover third-party liabilities, 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 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 smartphone enable 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 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 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 the customer service over a phone call.

Personalised IDV

IDV or Insured Declare Value is the total amount of money which 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 which are offered by Digit are listed below.

1. Return to invoice cover
2. Zero depreciation cover
3. Breakdown assistance
4. Engine and gear protection insurance
5. 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.