Yamaha Alpha Insurance

Yamaha Alpha is one of the offerings of the Japanese automaker in the commuter scooter segment. It was launched in 2015 and continued selling units till 2020. 

If you still drive this scooter, possessing Yamaha Alpha insurance is of utmost importance. Two-wheeler insurance covers exorbitant damage repair costs that may arise from accidents or other unfortunate scenarios. 

In India, insurers offer both third-party and comprehensive insurances for additional protection. However, providers like Digit offer 3 insurance policies. 

In the following segment, you will know more about the several offerings by Digit and why it is important to avail of two-wheeler insurance for your Yamaha scooter.

It is vital to compare various insurance companies and their offerings before settling for a reliable one. To that end, you might want to consider the benefits of availing of insurance from Digit and streamline your choices:

• Online Process - Digit enables you to apply for Yamaha Alpha insurance online through your smartphone. Further, you can avoid the hassle of presenting document hard copies as you can simply upload them from your mobile. This feature, in turn, allows you to complete the entire procedure within a few minutes. 

• Self-inspection Process - During the Yamaha Alpha insurance claim process, a surveyor inspects your scooter for damages. This inspection is a time-consuming procedure that is not quite convenient for policyholders. However, insurers like Digit make it possible for you to self-inspect your commuter for damages and raise claims from your mobile phone only. 

• Cashless Garages - There are 2900+ Digit authorised network garages across India from where you can get a cashless facility.

• Pay No Cash for your Scooter Damages - If you opt for repair services from a Digit network garage, you can avail of cashless repairs. Under this facility, your insurer pays for your scooter repairs on your behalf, making it possible for you to save funds for other expenses. 

• Coverage Options - As already mentioned, Digit provides three insurance options such as follows:

1. Comprehensive Plan - For complete coverage benefits, you might want to consider this insurance policy. 

1. Third-party Damages Cover - This insurance cover only includes third-party damages. 

1. Own Damage Cover - Apart from third-party insurance, you also need to cover damages caused to your own commuter. In such a case purchasing a standalone own damage cover from Digit might be appropriate. 

• Add-on Benefits - A well-rounded, comprehensive insurance plan for your Yamaha Alpha might not cover all damages. For additional layers of protection, you can opt for certain add-on benefits from Digit:

  • Zero-depreciation cover
  • Return to invoice cover
  • Consumable cover
  • Engine and gearbox protection cover
  • Breakdown assistance

• IDV Customisation - Insurers offer policy premiums based on your vehicle’s Insured Declared Value. They find out this value by subtracting the scooter’s depreciation from the manufacturer’s selling price. Digit allows you to customise this value and opt for maximum benefits. 

Further, you can obtain a host of other benefits from this insurance company, such as competitive premiums, responsive customer service and more.

Yamaha Alpha insurance has a number of lucrative benefits because of which you should consider obtaining or renewing it at the earliest. Some of the advantages are:

1. Curtails Financial and Legal Liabilities - According to the Motor Vehicles Act, it is mandatory to possess at least a third-party insurance policy to avoid hefty traffic fines. Without valid insurance, you will need to pay fines up to ₹2,000 for a first-time offence and ₹4,000 for repeating the same. Additionally, by obtaining insurance, you can cover the high repair costs of your scooter in case of accidents. Hence, it is evident that a two-wheeler insurance policy reduces financial and legal liabilities. 

1. Personal Accident Coverage - By opting for Yamaha Alpha insurance policy renewal, you and your family can get benefits under personal accident cover. The benefits are in the form of financial support that is applicable only when accidents result in permanent total disability or death of a policyholder. 

1. Third-party Liabilities Covered - A third-party insurance policy for your Yamaha scooter covers damages caused to a third-party person, vehicle, or property by your scooter during an accident or a collision. It also takes care of litigation issues arising from the accident. 

1. Own Damage Cover - Third-party insurance does not cover damages caused to your own scooter. For complete coverage, including third-party and own damages, you must settle for a comprehensive Yamaha Alpha insurance plan. 

1. No Claim Benefits - At times of Yamaha Alpha insurance renewal online, your insurer offers a discount ranging between 20-50% on a policy premium in case of non-claim years. This discount is also known as the No Claim Bonus. 

Additionally, you can choose insurers like Digit to obtain the above benefits and more.

Here are some key specifications of this model you might want to check out before applying for Yamaha Alpha insurance:

• Engine - It features an air-cooled single-cylinder 2-valve engine that offers a displacement of 113 cc. 

• Transmission and Clutch - The scooter is available in automatic transmission and equips a dry, centrifugal shoe clutch. 

• Fuel Consumption and Mileage - Yamaha Alpha comes with a 5.2-litre fuel tank and offers a mileage of 66 kmpl. 

• Weight and Dimensions - This two-wheeler commuter weighs 104 kg and has dimensions of 1795 mm in length, 675 mm in width, and 1124 mm in height. 

• Chassis and Suspension - The scooter has an underbone chassis with telescopic fork front suspension and unit swing rear suspension. 

Now that you know everything about this scooter’s features, you must also factor in the risks and damages it is exposed to. Considering that, it is imperative you obtain Yamaha Alpha insurance from reliable insurers such as Digit.