Royal Enfield Himalayan Bike Insurance

A specialised two-wheeler for travel across any terrain, Himalayan is a motorbike with a rich pedigree that comes from Royal Enfield. While the name itself suggests that it is a tough performer that can brave mountains and valleys, it is also important to check the basic specifications offered by this bike.

• At 411 cc of engine displacement and 24.83 BHP of power, Royal Enfield Himalayan is a motorbike which packs way more power than average Indian motorbikes.
  
• The torque of Royal Enfield Himalayan is 32 Nm, making it adept not just to brave mountain trails but also ditches or even sand pits.
  
• The mileage offered by Himalayan might feel a bit constricted at approximately 30 km/l, though it is actually a very good statistic when compared to engine capacity and output.
  
• Maximum power of 24.83 BHP produces an RPM of 6,500, which makes it quite a fast machine.
  

Equipped with a 5-speed gearbox, Royal Enfield Himalayan comes with disk brakes on both its wheels. Furthermore, it also has ABS, which ensures safety against any risk of losing road grip while braking. 

A motorcycle meant to take you to different corners of the country, and beyond, you must also undertake measures to ensure that you reduce the financial liabilities that can arise due to an accident or such other hazards while on the road. 

Availing a Royal Enfield Himalayan insurance, is thus, of crucial importance, even though you must choose the policy carefully.

Take a look at why Digit’s two-wheeler insurance policies are the perfect option to protect your financial well-being efficiently.

Meant to travel long distances, it is imperative you choose the best Himalayan insurance to ensure safety during travels. 

Keeping the same in mind, it is vital to check out the various advantages offered by Digit in their policies offered. While it is not without reason that Digit has earned its place as one of the leading insurance providers in India, as an owner of Himalayan you should know what to expect:

Various Policy Options to Choose from - Digit offers the following options to choose from when you are purchasing your Himalayan insurance. 

• Third-Party Liability Two-Wheeler Insurance Policy: These policies are designed to protect any third person, vehicle or property involved in an accident. If you purchase this policy, you are protected against any third party liability charges that might arise due to an accident involving your Himalayan. However, your motorcycle is not covered under this policy.

• Comprehensive Two-Wheeler Insurance Policy: A comprehensive Himalayan bike insurance policy covers both third-party liabilities, as well as any damage to your motorcycle during an accident. Additionally, these covers also protect your two-wheeler in case it is damaged or destroyed by fire, natural or man-made calamities. This protection extends its coverage even if your Himalayan is stolen.

Further, if you have purchased your Royal Enfield Himalayan after September of 2018, you can also opt to avail an own damage insurance cover. These protect your bike in the event of it getting damaged or stolen, though it does not extend coverage for third-party liabilities. Consequently, you must already have an existing third-party liability insurance policy before availing an own damage cover.

• Ease of Seeking Cashless Repair from Network Garages - With more than a 1,000 network garages and repair centres, Digit offers you the option to get your Himalayan repaired promptly after an accident without having to go through the hassle of handling money. 
• Convenient Claim with Fast Settlement - Procedure for filing claims are often dragged out and cumbersome, an issue that Digit has fine-tuned to its best for customer convenience. You can file for your claim online within a few minutes along with a self-assessed verification. A feature offered by Digit, you can complete the verification process for your Himalayan insurance claim by a smartphone-enabled procedure.

Different Types of Add-On Covers - Quite a few types of add-on covers are also offered by Digit. While you must purchase a comprehensive policy to be able to add any of these covers mentioned below, these can ensure ultimate safety for your two-wheeler:

• Zero depreciation cover.
  
• Engine and gear protection cover.
  
• Return to invoice cover.
  
• Consumable cover.
  
• Breakdown assistance.

• 24X7 availability of Customer Service - It is imperative that you can connect to your insurance provider at any time, considering you require the cover policies during emergencies. Noting this, Digit offers an efficient customer service setup that is not just available through 24 hours of the day, but through all the 7 days of a week. Be it an inquiry regarding your Himalayan insurance policy or its claim, you can reach out to Digit at any instant for assistance.
• No Claim Bonus Benefits - As a rider traversing through various terrains, you must surely be well aware of every possible safety precaution and implementing them as well. With a healthy riding habit that keeps you and your Royal Enfield Himalayan safe, if you pass a year without making any claims on your insurance policy, you are eligible for a bonus. Known as the No Claim Bonus, this sum is especially helpful when you renew your Himalayan Insurance policy since it reduces the premium amount.
• Choice of IDV - Digit also offers you the option to choose your IDV or Insured Declared Value for your Royal Enfield Himalayan. This is the sum of money that will be paid to you in case your motorbike is damaged beyond repair or stolen. Allowing you to customise this sum enables you to plan for your future since you can effectively use the money to purchase a new two-wheeler in the worst of circumstances.
• Easy Purchase and Renewal - Ease of purchase and renewal is a convenient benefit that is offered by Digit with our online application procedure. This also allows you to compare the features of different policies and consequently make the best choice for yourself. Vitally, your Himalayan insurance price directly depends on the policy and the add-on covers you have chosen.

Though it is best to hope that you do not have to face any unwanted circumstances, being prepared is the best that can be done. With the multiple benefits that are offered by Digit, you can be assured of protection while on tour on your Royal Enfield Himalayan.