Harley-Davidson Roadster 1200 Bike Insurance

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Harley Davidson Roadster is a retro-themed bike with a V-Twin 1,200cc air-cooled engine. Currently, it has been discontinued in India, and only a select few own it. If you are an owner of this stylish bike, this article is for you! Here, we have enumerated the different Harley Davidson Roadster 1200 cc bike insurance policies and highlighted the upsides of online bike insurance.

Importance of buying online bike insurance for Harley Davidson Roadster

In this section, we will list some of the key benefits of online bike insurance for Harley Davidson Roadster.

Less cost

Online insurers rely on a digital set-up. This, coupled with a no-commission model, helps reduce their operational costs. Such an approach results in low-priced policies for the customer.

Anywhere access

Buying an offline bike policy typically involves visiting the insurer's office or meeting an agent. Conversely, major processes related to online bike insurance can be accessed anywhere via a phone or computer.

Anytime aid

You can easily get answers to general or claim-related queries on the insurer’s official website or app. Alternatively, you can call the insurer on their toll-free number and speak to an executive to clarify your doubts.

Bike insurance policies for Harley Davidson Roadster

Here are the primary types of bike insurance policies you can purchase for your Harley Davidson Roadster.

Third-party Two-wheeler Insurance Policy

As per Indian road laws, it is mandatory to possess this insurance policy to ride legally. A Third-party Policy offers coverage against third-party liabilities such as injury to or property damage of a third party. However, it does not offer coverage if your bike endures accident-related damages.

Comprehensive Two-wheeler Insurance Policy

This policy clubs the benefits of a Third-party Cover with an Own Damage (OD) Cover. An OD Cover provides coverage for theft, collision-caused damages and damages resulting from man-made and natural calamities. A Comprehensive Policy also provides an option for purchasing add-ons (based on availability).

What’s covered in Harley Davidson Roadster bike insurance?

In this section, we have listed the coverages under Harley Davidson Roadster insurance.

Collision-caused damages
Collision-induced injury, death and property damage to a third party
Damages resulting as a consequence of natural calamities like storms, cyclones, earthquakes, etc.
Damages resulting as a consequence of man-made calamities like explosions, vandalism, riots, etc.
Theft of your Harley Davidson Roadster
Irreparable damage to the bike

What’s not covered in Harley Davidson Roadster bike insurance?

This section lists the conditions under which you cannot claim damages.

Riding without carrying legally mandatory documents like a valid driving licence
Malfunctions resulting from the usual wear and tear of bike parts with age
Defects resulting from electrical or mechanical issues in the bike
Riding your bike without an active insurance policy
Riding after taking drugs or other intoxicating substances

Add-ons for Harley Davidson Roadster bike insurance

Here are some commonly offered add-ons (based on availability) with a Comprehensive Bike Insurance Policy.

Zero Depreciation Cover
No Claim Bonus (NCB) Protection Cover
Roadside Assistance Cover
Consumables Cover
Key Replacement Cover
Outstation Emergency Cover

Why ACKO?

As you may already be aware, ACKO is a leading online insurer that offers bike insurance. In this section, we will outline some of the benefits you can avail of by buying our online bike insurance.

Zero commissions

Typically, insurers hire middlemen to sell their insurance. This may inadvertently bump up their policy’s premium. Since ACKO follows a “no-commission” approach, our policies are sold direct-to-customer via our website/app at incredibly low premiums.

Instant processing

Damage-related claim settlements generally take time to be processed, which can take a toll on your patience. In contrast, ACKO’s claim process is quick. For instance, claim requests for minor bike damages are settled within just a few hours.

Special discounts

Apart from our policies being low-cost and commission-free, we also offer special discounts during festive occasions. Buying our two-wheeler insurance during these periods can help you further maximise your savings.

ACKO’s claim procedure

ACKO’s claim process involves these simple steps.

Step 1: Open the browser on your computer, type in ACKO’s web address and log in to your account. You can also use our mobile app.
Step 2: Scroll to the part of the page that displays your Harley Davidson Roadster policy card and click on “Claim Now”.
Step 3: Answer a few queries regarding the accident-related damages and share relevant pictures. After that, click on “Submit”.

After receiving your claim request, we will process it at express speed and credit the settlement amount as per your policy’s terms.

Frequently asked questions

This section answers common questions regarding Harley Davidson Roadster insurance.

Does ACKO provide insurance for discontinued bikes like Harley Davidson Roadster?

Yes, ACKO provides insurance for discontinued bikes like Harley Davidson Roadster.

Do add-ons come with Comprehensive Bike Insurance for Harley Davidson Roadster, or do they need to be purchased separately?

Usually, add-ons can be selected (based on availability) under a Comprehensive Bike Insurance Policy for Harley Davidson Roadster. However, each add-on has a price. So, based on the type of add-ons you choose, the policy premium will increase.

Is the premium payable for insuring my Harley Davidson Roadster dependent on its age?Yes, the premium for insuring your Harley Davidson Roadster depends on the vehicle's age. This is because the Insured Declared Value (IDV) or the current market value of your bike reduces with time, and the lesser the IDV selected while buying/renewing a policy, the lower the premium payable.