Royal Enfield Interceptor Bike Insurance

The Interceptor 650 is a roadster motorcycle from the house of Royal Enfield. Available in 7 variants and 7 colour options, Interceptor 650 is a value-for-money option available in the Indian automobile market. Further, these variants offer potent engines, study styling, and enhanced performance. However, considering the success, the automaker will likely launch a 350 version of the same motorcycle shortly.

The Interceptor 650 owners must possess valid Royal Enfield Interceptor insurance to handle their finances cautiously.

In India, a vast number of insurance companies offer convenient and affordable motorcycle policy schemes. Digit Insurance is one such agency.

Go through the below-discussed pointers to understand what sets Digit apart from its competitors.

1. Wide Range of Insurance Policies - Digit brings you three convenient policy schemes to select from. It includes-

1. Third-Party Policy - Under this scheme, Digit will cover all the third-party damages and litigation issues inflicted by your two-wheeler. 

1. Own Damage Protection - Unlike third-party policy, Own Damage cover offers financial assistance in case your bike gets damaged in the event of natural or man-made disasters, fire, vandalism, or any other similar threats.

1. Comprehensive Policy - This is the most extensive coverage Digit extends as it provides financial protection against both third-party liabilities as well as own bike damage. 

1. Simplified Buying and Renewal Facility - Unlike other insurers, Digit offers Royal Enfield Interceptor insurance online. Simply visit the official website to select plans as per your budget and requirements. And for Royal Enfield Interceptor insurance renewal online, sign in to your accounts and follow the steps given.

1. High Claim Settlement Ratio - Digit extends a paperless, smartphone-enabled self-inspection system for a seamless experience. All you have to do is attach the images of your damaged motorcycle as evidence on the self-inspection link sent to your registered mobile number.

1. IDV Modification - Another reason Digit is a popular choice for two-wheeler insurance for Royal Enfield Interceptor is that the insurer allows its customers to increase or decrease the Insured Declared Value according to their preferences. For instance, by increasing the IDV, you are liable to receive better compensation.

1. Policy Customisation with Add-ons - Digit also gives you the option to elevate your base insurance plan with add-on covers. The insurer offers the following add-ons-

   • Zero depreciation cover
   • Consumables cover
   • Return to invoice cover
   • Passenger cover
   • Breakdown assistance
   • Engine and gearbox protection

Note: To carry these add-ons post Royal Enfield Interceptor insurance policy renewal, extra charges are applicable.

1. Nationwide Network Garages - More than 2900 Digit network bike garages offer cashless repair. So, now you can go on a ride anywhere within India tension-free.

1. Convenient Customer Care Service - Digit strives for 100% customer satisfaction and thus extends round-the-clock assistance. To get instant answers to all your motor insurance-related queries, call on 1800 258 5956.  

However, at Digit, you can save more on premiums by selecting higher deductibles and avoiding small claims. All these make Digit an ideal destination for a two-wheeler insurance policy.

Valid two-wheeler insurance policy offers the following benefits.

1. Third-Party Protection - If your bike hits another property, individual, or vehicle, the victim can claim compensation from your insurer. That means you do not have to pay anything for the damage. Instead, your insurance provider will handle the expenses against your Interceptor insurance policy.

1. Own Damage Cover - Accidents may inflict damage to your motorcycle as well. But with two-wheeler insurance, you do not have to bear the repair costs. Your insurer will take care of the expenses on your behalf.

1. Personal Accident Coverage - If the rider dies or gets disabled permanently or partially, the insurance company will compensate for such an unfortunate loss to the victim’s family members.

1. No Legal Repercussions - According to the Motor Vehicles Act 1988, every two-wheeler owner in India must obtain motorcycle insurance to remain road legal. Violation of this law attracts hefty penalties of ₹ 2,000 and ₹ 4,000, respectively. Further, you may end up in jail for up to 3 months for such an offence.

1. Benefits of No Claim Bonus - Against every claim-free year, you can earn rewards as a bonus. Now, this bonus is nothing but a discount on the succeeding premiums. 

Digit offers a straight 50% discount on premiums for 5 consecutive non-claim years.

Therefore, it is crucial to secure a two-wheeler insurance policy in India.

The Government of India has banned the production of BS4 compliant motorcycles to reduce the carbon footprint significantly. Thus, Royal Enfield upgraded its old Interceptor BS4 model to BS6 in 2020. Besides, RE is ready to unveil the 350 BS6 version of Interceptor.

• Engine - Both the BS4 and BS6 Interceptor 650 variants come with a 648 cc parallel-twin air-cooled motor offering 47.45 PS of maximum power and a peak torque of 52 Nm. The engine is mated with a 6-speed transmission coupled with an assist and slipper clutch. Such a robust engine delivers effortless cruising comfort even at triple-digit speeds on the highway. 

However, Interceptor 350 will come with a 349 cc engine offering maximum power of 20.2 bHP.

• Brakes - In this regard, BS6 is precisely the same as its BS4 sibling. The braking setup includes 320 mm and 240 mm disc brakes at both ends with dual-channel ABS.

• Mileage - Though the 350 version will have an engine of lower capacity, it will offer a better mileage of 35 kmpl. In contrast, the 650 variants provide a mileage of 25.35 kmpl.

Royal Enfield bikes deliver a decent amount of torque, making them suitable for varied road conditions. However, that is not enough to resist accidental damage. Also, these accident repair costs are on the higher side. Thus, it is wise to secure Royal Enfield Interceptor insurance to ensure optimal financial safety.