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How to Compare Two Wheeler Insurance Plans Online?

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Ritu Roy

In times of need, two-wheeler insurance may be a lifesaver. It protects against liabilities arising from injuries to third parties, their property, or collateral, as well as providing accident coverage and insurance against vehicle damage. You can easily purchase a policy for your vehicle on the internet, at an agent's office, or directly from the company.

Apart from the premium, there are a few items to look into:

 

  • Type of Two Wheeler Insurance

 

A number of motor insurance providers have both third-party and comprehensive coverage. A comprehensive plan is for those who want to be fully protected from all risks.

 

  • Facilities and Features Available

 

Because of the fierce competition in the industry, insurance providers have a variety of features and incentives to assist customers with the claim process. For example, a 24-hour call centre, experts who can advise and assist you in choosing the correct policy, as well as policy renewal and NCB transfer (No Claim Bonus). Most insurance companies provide discounts to members of approved automobile associations or those who purchase anti-theft systems. In the case of cashless repairs, certain insurance companies go the extra mile to ensure that customers do not have to follow up with the repair shop.

 

  • Claim Process

 

Most policy providers nowadays take a customer-friendly claim-settlement approach. They will assist the insured in getting their two-wheeler vehicle to an approved service centre. Essentially, the insurer is responsible for all expenses; the owner is only responsible for those that are not covered by their policy, as well as service fees and taxes.

 

  • Discounts Available

 

When comparing quotes, look for companies that include discounts such as no claim bonus (NCB), discounts for members of a recognized automotive group, and anti-theft product installation, among other things. Furthermore, certain organizations may have a discount for online policy renewal, transactions made via some apps or through credit card, and NCB for each claim free year. The majority of companies also have substantial discounts on additional covers. However, before purchasing a policy, make sure to read the fine print on the website.

 

  • Add-On or Optional Covers

 

The add-on covers can be purchased for an additional fee. Zero depreciation coverage, personal injury coverage, emergency roadside assistance, medical coverage, pillion rider coverage, and accessories coverage are all available as add-ons. In terms of cashless claim settlement, the insured only has to pay the premium plus service charges and taxes. The remainder of the expenses are covered by the insurance company.

 

  • Renewal Process

 

The majority of insurers offer two-wheeler insurance renewal through the internet. Purchasing two-wheeler insurance online is a simple process for everyone. Furthermore, companies that offer electronically signed policies are preferable because you can simply download (as needed) and print it from the website, as well as keep the RC and other required documents with you when riding the car.

Comparing two-wheeler insurance premium quotes can be done on websites like GIBL.IN. Before purchasing an insurance policy, it is a good idea to compare the policies of different companies. When comparing plans, make sure to look at the NCB, IDV, and Claim Settlement Ratio of each company. You may also use the bike insurance calculator to determine the premium rates for various insurance policies offered by insurers.

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