Yamaha MT-09 Insurance

The Japanese two-wheeler specialist Yamaha introduced its naked street-fighter in the 900 cc segment MT-09, contemplated as “Masters of Torque”. MT has a compact design coupled with slim dimensions.

Individuals owning this model must secure their finances from possible repair costs with Yamaha MT-09 insurance. Besides, two-wheeler insurance is the ticket to remain road legal in the Indian streets as per the Motor Vehicles Act of 1988. 

Now, since the majority of insurance companies in India offer two-wheeler policies, obtaining one is quite easy. Nonetheless, you must keep a few factors in mind before selecting your insurer.

For instance, you need to go through the options available, IDV factor, No Claim Bonus discounts and more. In this regard, Digit Insurance is your one-stop destination.

Digit Insurance strives for 100% customer satisfaction and offers flexible motorcycle insurance policy options. Now, to know what sets Digit apart from its competitors, keep reading.

1. Vast Range of Options - Digit prepares its insurance policies considering the diverse needs of its customers. It extends the following policies.

1. Third-Party Insurance Policy - Though the most basic policy available, as per The Motor Vehicles Act 1988, it is compulsory for all two-wheeler owners in India. The purpose of this plan is to provide compensation to the third party in case of accidental damages and injuries caused by your bike. Besides, Digit ensures to handle all the litigation issues involved in such circumstances.

Note: Though the third-party policy is compulsory, it does not provide Own Damage protection. If you go for a third-party policy, it is advisable you buy a standalone Own Damage cover for better coverage.

1. Comprehensive Insurance Policy - As the name suggests, comprehensive policy is the most extensive plan Digit extends. So, if you opt for this option, you can utilise both third party protection as well as Own Damage coverage. Further Digit allows you to upgrade your MT-09 insurance policy by including add-ons for better security.

1. Policy Modification with Add-ons - Digit presents an array of add-ons to help you elevate your base policy. There are 5 options available-

   1. Zero depreciation
   2. Return to invoice
   3. Engine protection
   4. Consumables
   5. Roadside assistance

Note: You can carry forward these add-ons by increasing your Yamaha MT-09 insurance policy renewal price.

1. Hassle-Free Online Facilities - You can now buy Yamaha MT-09 insurance online at Digit. Avoid the trouble of paperwork and visit the official website today. Besides, you can also opt for Yamaha MT-09 insurance renewal online. To know how, login to your existing accounts.

1. 3-Step Claim Filing Option - Why waste time when you can file claims in 3 easy steps.

1. Dial 1800 258 5956 from your registered mobile number to get the self-inspection link

2. Send the images of your damaged bike to the link

3. Choose Reimbursement or Cashless mode of repair

1. IDV Customisation Facility - Digit Insurance facilitates its customers to modify the Insured Declared Value according to their preferences. The higher the IDV, the more compensation you get in case of theft or irreparable damages. However, you have to increase your insurance price to utilise this facility.

1. Vast Network of Garages - Over 2900 Digit network bike garages offer cashless repairs across the country. So, get on your bikes and take a tour at any corner of India tension-free.

1. Fast Customer Care Service - Having trouble choosing which add-on will be the best for your bike and you? Talk to Digit’s customer care executives any time to make an informed choice. 

Apart from all these, Digit allows you to reduce the premiums if you pick voluntary deductibles and avoid filing unnecessary claims. But remember, trading off such lucrative benefits for lower premiums will not help you save money in the long run.

Yamaha motorcycles are widely popular for their power-packed engine and superior performance. Yet, they are equally prone to accidental and other damages like any other two-wheeler. Here comes the role of an insurance policy in this regard. 

Go through the next section to understand the significance of bike insurance in India.

1. Legally Complaint - With valid insurance documents, you no longer have to pay hefty penalties of ₹2,000 and ₹4,000. 

1. Own Damage Protection - With a motorcycle insurance policy, you are safe from spending thousands on repairs. That means your policy will provide reimbursement or cashless repairing options if your bike gets damaged in an accident or any other mishap like floods, earthquakes, fire and others.

1. Personal Accident Cover - Considering the rate of accidents in the country, the IRDAI has mandated this protection for every two-wheeler. Both third-party and comprehensive policies extend this coverage. The insurer provides financial aid if the rider dies or undergoes partial or permanent disability in an accident.

1. Third-Party Protection - With two-wheeler insurance for Yamaha MT-09, you are safe from third-party liabilities. That means, if your bike hits another vehicle, property or person inflicting damages or injuries, your insurer will bear the cost for the losses.

1. No Claim Bonus Discounts - For every claim-free year, insurance companies reward their customers with No-Claim Bonus discounts on premiums. For instance, if you avoid small claims for an entire year, you can save up to 20% on premiums at Digit.

All these pointers solidify the significance of motorcycle insurance policies in India.

Below are the features of the Yamaha MT-09 motorcycle.

• MT-09 is a naked sport-bike exhibiting small aggressive-looking low headlamps, a single-piece flat handlebar. 

• A DOHC 4-valves 847 cc inline 3-engine churns out 115 Ps of power at 10,000 RPM and 87.5 Nm of peak torque at 8,500 RPM. The variant is available in a 6-speed manual transmission option.

• MT-09 comes with a pair of 298 mm disc brakes at the front and a single 245 mm disc brake at the rear equipped with ABS and traction control.

• The performance bike assures a mileage ranging between 15 and 20 kmpl, thanks to its 14-litre fuel tank and powerful fuel-injected engine.

However, these refinements are not sufficient enough to protect Yamaha MT-09 from possible accidental damages. Therefore, possessing Yamaha MT-09 insurance is a handy option to relieve you from unwanted expenses.