Ampere Bike Insurance

Bike insurance is a good way to ensure that you have ample financial support in case something happens to your Ampere bike. You might be the best rider in town but accidents can happen despite that. Other drivers and riders on the road might not be that good at riding/driving or might have one bad day leading to a crash. Ampere bike insurance insures your bike against such instances as well as other situations such as damage due to calamities, fire, and vandalism. However, you must choose the right cover for it. Here’s more on that.

Every Ampere scooter insurance policy is governed by a set of inclusions. Simply put, if the reason for bike damage is mentioned in the list of inclusions stated in the Policy Wordings, the insurer will settle the claim. Here are some common inclusions of a Comprehensive Ampere Two-wheeler Insurance Plan.

There are instances where the insurance company directly rejects the claim. Such instances are also mentioned in the Policy Wordings of the plan and fall under the exclusions section. Here’s an overview of the section.

Add-ons are covers that offer specific insurance protection. You need to pay extra to include these add-ons in your Comprehensive Cover. These are not standalone policies. They can only be purchased with a Comprehensive Cover. Thus, if you are thinking of going for a combination of a Third-party Cover and an Add-on, it is not possible. Here are some popular add-ons available in the online market.

Note that insurers might have different names for the add-ons and might charge different premiums for them. Their coverage might also differ. Therefore, make sure to check the features and pricing in detail before buying the add-ons. Also, do not go on a shopping spree concerning the add-ons; it will increase your final insurance bill to a great extent. Instead, select only those add-ons that you think will offer value for money.

While choosing an insurer, it is crucial to check the claim process offered. Merely enabling buying online insurance is not enough when it comes to convenience. The claim process also needs to be convenient and hurdle-free. That is why digital insurers offer a Cashless Claims Process. It is a process by which the insurer and the garage where the bike is repaired ensure bill settlement among themselves and you are not directly involved in the process. For you, the process is swift and hassle-free as the insurer and garage have a tie-up and the billing process is majorly sorted amongst themselves.

The other way to settle claims is to go by the Reimbursement Process. Here, you get the bike repaired, pay the bill to the garage, and then apply to the insurer to get the bill reimbursed. Compared to the Cashless Process, the Reimbursement Process is lengthy, tiresome, and inconvenient.

Here are the basic steps involved in raising a bike insurance claim:

Step 1: Apply for a claim by contacting the insurance company.

Step 2: Share policy details.

Step 3: Share details about why you want to raise a claim.

Step 4: Coordinate with the assigned claims officer.

Step 5: Choose either a Cashless or a Reimbursement Process and follow the instructions.

Step 6: Receive money in your bank account.