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The Bajaj Avenger Cruise 220 is a light-weight cruiser with modern features and technology, available at an accessible price. The Avenger Cruise 220 is well-supported by a single-cylinder engine that is able to offer higher mileage along with a smoother and comfortable ride. For a well-designed entry-level cruiser such as the Bajaj Avenger Cruise 220, it requires a well-packaged insurance plan as well. Read on to learn more about Bajaj Avenger Cruise 220 bike insurance and the advantages of online bike insurance.
The Bajaj Avenger Cruise 220 might be one of the most affordable cruiser bikes in the market; however, it does cost you money, and damages to the vehicle will surely impact your finances. Since it is the flagship motorcycle of the company, the cruiser comes fitted with a wide range of features and expensive parts, and to protect your finances against accidental damages, it needs an ideal insurance plan.
In case the bike is stolen or a minor accident has left a dent on the fuel tank or in case of third party losses, the Comprehensive Bike Insurance Policy will provide the coverage. While the Bajaj Avenger Cruise 220 comes with safety features to safeguard you, the bike needs protection in case of accidental damages. The comprehensive insurance plan is an excellent plan to take care of any unforeseen financial losses. It also offers add-ons to enhance the standard plan, making it an ideal insurance policy to insure your bike.
Insurance plans by ACKO for your Bajaj Avenger Cruise 220 are exclusively designed to meet your needs in case of emergency. Mentioned below are the types of insurance plans for your Avenger Cruise 220:
This plan protects you financially in case of losses to third party life or damages to their property. Third-party two-wheeler insurance is mandatory per the country’s legal requirements.
Along with the third party coverage, the comprehensive plan covers losses or damages to your bike with the Own Damage cover (OD). You can also choose from several useful add-on covers.
Below is a table which compares the benefits of the Third-party and Comprehensive Bike Insurance Policy:
Inclusions (Coverage) | Comprehensive Car Insurance | Third-Party Car Insurance |
---|---|---|
Losses/damages to third-part life or property | Yes | Yes |
Accidental damages to your Avenger Cruise 220 | Yes | No |
Damages due to riots, or such man-made calamities | Yes | No |
Damages due to floods such natural calamities | Yes | No |
Theft of the motorcycle | Yes | No |
Personal Accident (PA) cover for the owner-driver (To be taken if not opted) | No (Optional) | No (Optional) |
Add-ons (Optional) | Yes | No |
Choose/Modify Sum Insured (Insured Declared Value) | Yes | No |
For an all-inclusive insurance plan for your Bajaj Avenger Cruise 220, consider the Comprehensive Bike Insurance Policy since it offers wider coverage. Mentioned below are the coverage details of the comprehensive plan for your cruiser:
Losses to third-party life or damages to their property covered through the third party insurance.
Damages or losses to your Bajaj Avenger Cruise in case of accidental damage.
Losses or damages to your vehicle arising due to man-made calamities such as riots.
Losses or damages to your vehicle arising due to natural calamities such as floods.
Losses due to the theft of your bike or damages caused due to a fire.
For optimum coverage for your bike at an affordable price, opt for the multi-year policy, which can be bought for two and three years. Also, it is important to include the Personal Accident (PA) cover (if not yet opted), while purchasing two wheeler insurance with an exhaustive insurance plan.
Mentioned below are the exclusions or what is not covered under the Bajaj Avenger 220 bike insurance:
Riding the bike in an intoxicated state.
Riding the motorcycle with an invalid driving license.
Mechanical or electrical breakdown to the bike.
Losses or damages caused outside the geographical limits of the country.
Regular wear and tear of motor parts.
Choose from different types of add-ons which are designed to cater to different requirements. Below are the add-ons offered by ACKO:
Zero Depreciation: Depreciation will not be considered while settling claims with this add-on cover. You can avail full compensation for motor parts being replaced in case of accidental damages.
Personal Belongings Protection: Get paid for the repair of damages to your personal belongings such as your helmet.
Roadside Assistance: ACKO will provide assistance in case you need emergency fuel fill, towing service and such roadside assistance.
Engine Protection: In case of damages to your vehicle’s engine due to water ingression or oil leakage, the add-on will cover the repair cost for the same.
NCB Protection: Even if you file a claim during the policy period, the add-on will protect the No Claim Bonus earned on your policy.
Consumables Cover: Through this add-on, the cost to replace nuts, engine oil, coolant and other consumables items will be covered.
Accessories Cover: Get coverage towards damages or burglary of accessories of the insured bike.
ACKO’s digital-first approach makes the entire claim process simple and easy to follow. Below are the steps to file a claim online:
Step 1: Visit our website or mobile app to log in to your account with your mobile number.
Step 2: Click on the policy of your bike and then click on ‘Claim Now’.
Step 3: Answer a few questions to file the claim.
Step 4: Receive in-account instant claim settlement for minor damages or our claim experts will guide you through the next steps in case of major damages.
For more information about Bajaj Avenger Cruise 220 two-wheeler insurance, mentioned below are answers to frequently asked questions to understand vehicle insurance better:
ACKO is a digital-first insurance company which is licensed and registered by the Insurance Regulatory and Development Authority of India (IRDAI). Our transactions are 100% digital, and we do not depend on agents or middlemen to sell or settle claims resulting in reduced operating costs. The benefit is passed on as low-cost or low-premium bike insurance plans for your Bajaj Avenger Cruise 220. With no agents, you have direct transactions with ACKO, so it is safe to buy online bike insurance for your Avenger Cruise 220.
Considering the Bajaj Avenger Cruise 220 is the flagship motorcycle of the company, it comes with various features, equipment and a powerful engine, making it expensive to repair damaged parts of the bike. Hence, it is important to secure it with an insurance plan that will cover you financially in case of unfortunate accidents. Additionally, the insurance plan should include the mandatory Third-party Insurance Policy to cover third party losses. Apart from covering with the standard comprehensive plan, you can also consider including add-ons which enhance the plan to offer wider coverage.
With the help of the Internet and a smartphone, you can complete the entire journey of renewing your bike insurance within a few minutes. Online renewal is simple and easy with ACKO. Login to your account with your registered mobile number through our website or mobile app to select the respective policy and click to renew the plan. If you are looking to switch an insurance company, you can visit our website or download ACKO app, enter a few details of your bike, select the plan, pay the premium and receive the policy within a few minutes through email.
The insurance cost for your Bajaj Avenger Cruise 220 depends on a few factors. They are the age of the vehicle, the value of the bike, the location, etc. You can get an insurance quote for your Avenger Cruise 220 by entering a few details of your bike in our mobile app or through our website. You can select the plan, pay the premium and receive the policy document instantly to your email account.
ACKO is a 100% insurance company and does not require you to fill various forms while buying/renewing the policy or while raising a claim against the policy. Simply enter a few details of your cruiser, pay the premium and receive the policy to your email account to enjoy a paperless experience.
No, it is not mandatory to buy a Comprehensive Insurance Policy for your bike. That being said, the comprehensive plan offers a broader coverage since it not only provides coverage against third party losses, it also provides coverage for your bike in case it is stolen, damaged due to flooding, or damaged due to an accident. You also have the option to choose add-ons such as Personal Belongings cover. For example, if your helmet is damaged during an accident, you can raise a claim for the repair cost of the helmet under the Personal Belongings add-on.
You need to buy add-ons which suits your needs. For example, if you go on long-distance travel, you may consider buying the Roadside Assistance cover which provides towing, fuel filling, minor repairs, etc., in case of an emergency. You can also opt for the Bike Engine Protection add-on which provides financial protection against water ingression to the engine of the bike caused due to flooding. Hence, you need to select the right mix of add-ons to enhance the standard plan as per your requirements.
With ACKO, you need not fill any paperwork to raise a claim against your policy. Use our mobile app or visit our website, login to your account with your mobile number, select the plan and click on ‘Claim Now’ to register the claim. For minor damages, we offer instant claim settlement. The money will be transferred to your bank account, and you can get the bike fixed at a garage of your choice. For major damages, our team will guide you through the next steps once you file the claim.
In case your bike is stolen or damaged beyond repair, then the insurance policy will pay the IDV specified in the policy document. Hence, it is essential to choose the right IDV. The IDV should be the approximate market value of the bike. In case you choose a higher value, then the premium will be higher and if you choose a lower value, the premium will reduce: however, you will receive lower compensation in case of a total loss in case of the latter.
To know the insurance cost for Bajaj Avenger Cruise 220 in New Delhi, visit our website ACKO.com or our ACKO app, enter a few details of your bike to get an insurance quote for New Delhi. Please note that the premium or the insurance cost primarily depends on the age, value and the location of the bike.