Bajaj Discover Bike Insurance

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Bajaj Discover is a stylish entry-level commuter bike. It is one of the most successful motorcycles from the stables of Bajaj Auto. As an owner of this beautiful bike, it is evident that you might be worried about damages to it in case of an accident. That’s where Bajaj Discover Bike Insurance Policy comes into the picture.

Importance of buying online two-wheeler insurance for Bajaj Discover

Here are the benefits of buying bike insurance for Bajaj Discover online.

1. No paperwork

There is zero paperwork when you buy Bajaj Discover insurance online. Whether you want to buy/renew or raise a claim, you can perform all these actions online. The process is entirely paperless.

2. Faster turnaround time

With the evolution of digital technology, you can transact online 24/7. You can use our website or mobile app to access your account and buy/renew bike insurance for all types of two-wheelers and even brand-new bikes.

3. Transact directly with us

We are a digital-first insurance company, and we like to transact directly with you. There are no middlemen commissions. This enables us to offer low-cost bike insurance for Bajaj Discover.

Bike insurance policies for Bajaj Discover

Comprehensive and 3rd Party Bike Insurance Policies are the primary types of 2-wheeler insurance for Bajaj Discover. Here are the coverage details.

Third-party Bike Insurance Policy

The 3rd Party Bike Insurance is a basic and mandatory insurance policy that covers third-party liabilities, including damages to their property (for example, vehicle) and injury (including death) to a third party. However, this insurance for bike does not cover damages to or theft of your Bajaj Discover.

Comprehensive Bike Insurance Policy

Comprehensive Bike Insurance is a policy that offers financial coverage against damages to your Bajaj Discover. Damages due to accidents, manmade and natural calamities, fire, and explosions are covered. Bike theft is also a policy inclusion. You can also include add-on covers to enhance the plan, subject to availability.

You can buy the above mentioned bike insurance online through our website or mobile app.

What’s covered in Bajaj Discover bike insurance?

The following circumstances are covered under the Discover insurance (Comprehensive Policy).

Accidental damages
Third-party injury and property/vehicle damages
Natural calamities (flooding, earthquakes, cyclones, etc.)
Manmade calamities (vandalism, riots, strikes, etc.)
Bike theft
Fire/explosion

What’s not covered in Bajaj Discover bike insurance?

The following instances are not covered under the Discover insurance.

Riding the bike without a valid Driving Licence (DL)
Riding the bike without a valid insurance
Electrical/mechanical breakdown
Regular wear and tear of bike parts
Riding the bike in a negligent manner
Damages or losses incurred outside the specified geographical area
Riding the bike under the influence of alcohol or other intoxicating substances

Add-ons for Bajaj Discover bike insurance

To enhance your two-wheeler insurance policy further, you have the option to include the below-mentioned add-on covers for your Bajaj Discover bike (subject to availability).

Roadside Assistance Cover
Zero Depreciation Cover
Personal Belongings Cover (Theft/Damage)
Consumables Cover
Engine Protection Cover
Key Protection Cover
Outstation Emergency Cover

Why ACKO?

Here are the reasons why you should consider us while buying bike insurance for Bajaj Discover.

1. Low-cost bike insurance

We work on the direct-to-customer model. There are no middlemen commissions. This lets us pass on the savings to you through affordable bike insurance plans for your Bajaj Discover. Head to the top of this page to get affordable insurance for your bike.

2. Superfast claims

Raising claims at ACKO is a simple procedure. Even the claim settlement is quick. Minor damages are settled almost immediately. For significant damages, it may take us a few hours to settle the claim depending on the severity of the damage.

3. Hassle-free online experience

Our robust digital infrastructure lets you instantly buy/renew a policy or file a claim online. There is no lengthy paperwork involved for any of the services. You can access our website or download our mobile app for a hassle-free experience.

ACKO claim procedure

Here is our efficient and easy-to-follow claim procedure.

Step 1: You can log into your ACKO account by scrolling to the top of this page or by using our mobile app.
Step 2: Select “Claim” against your bike insurance policy.
Step 3: To submit your claim, answer a few questions about your bike's damage and upload the pictures of the damaged bike.

If the damages are minor, we shall settle the claim within a few minutes. If the damages are severe, we may take a few hours to settle the claim, subject to the terms and conditions of the policy.

Frequently asked questions

Here are answers to some questions about Bajaj Discover insurance.

How is the Insured Declared Value (IDV) calculated for Bajaj Discover?

IDV in bike insurance is the market value of your bike stated in the bike insurance policy. This is the amount (after deducting depreciation and deductibles) the insurer (ACKO) shall settle in case of a total loss or if your Bajaj Discover is stolen. The IDV is the manufacturer’s cost of the bike minus depreciation. Hence, the IDV for Bajaj Discover is calculated based on the current market value of the bike after deducting depreciation.

Can I transfer my accumulated No Claim Bonus (NCB) when I switch to a new insurance company for my Bajaj Discover bike?

Yes, you can transfer your accrued NCB from one insurer to another.

Do I have to purchase insurance for second-hand Bajaj Discover?

Yes, buying the Third-party Bike Insurance Policy for a second-hand Bajaj Discover is mandatory as per The Motor Vehicles Act 1988. Failure to insure your Discover with this type of plan shall invite traffic penalties of up to Rs. 4,000.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.

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