Hero Duet Bike Insurance

1. Is online bike insurance valid for Hero Duet scooter?

Yes. Online bike insurance is valid for all two-wheelers. When you purchase bike insurance online from ACKO, a soft copy of the insurance certificate is sent to your email address. Moreover, buying two-wheeler insurance online will save you a lot of time.

2. Do I need to submit any documents to buy/renew bike insurance?

No. You need not submit any documents to buy/renew bike insurance from ACKO. All you have to do is log on to the ACKO website/app and enter a few basic vehicle details to buy two-wheeler insurance. That’s it, choose your plan and make payment online. There is no paperwork while buying/renewing bike insurance from ACKO.

3. Is two-wheeler insurance compulsory for my Hero Duet scooter?

Yes. Buying at least a Third-Party Bike Insurance Policy is mandatory to comply with The Motor Vehicles Act, 1988. But Third-Party Insurance policy provides only third-party damage cover. So, you can consider buying a Comprehensive Bike Insurance Policy for extensive coverage, which includes Third-Party and Own Damage cover.

4. What is an add-on in Hero Duet bike insurance? 

An add-on is an individual cover sold along with the Comprehensive Bike Insurance Policy to expand the coverage benefits of the policy. You can opt for add-ons when buying/renewing the Comprehensive Two-wheeler Insurance Plan. There are a host of add-ons available for Hero Duet bike insurance. Click here to see the available add-ons for Hero Duet two-wheeler insurance.

5. Is a Personal Accident cover mandatory, and is it included in the bike insurance plan?

Yes. A Personal Accident cover is mandatory as per law, regardless of which type of two-wheeler insurance plan you buy. Personal Accident (PA) cover is not included in the two-wheeler insurance plan. You can purchase the PA cover separately while buying/renewing the bike insurance policy.

6. What is the benefit of not raising any claims against the bike insurance policy?

The benefit of not raising any claims against the bike insurance policy is that you can get a discount on the premium while renewing the insurance policy. The insurer will award you the No Claim Bonus (NCB) discount for making zero claims during the previous policy period. And the discount can go up to 50% if you have made zero claims for five consecutive years.

7. What happens if my Hero Duet bike insurance expires?

If the bike insurance policy for your Hero Duet expires, then you will no longer get the coverage benefits offered by the policy. In other words, the insurance company will no longer provide coverage to your two-wheeler until you renew the bike insurance policy. If you fail to renew the two-wheeler insurance policy within 90 days, you may also lose out on benefits such as the No Claim Bonus discount.

8. Can I file a bike insurance claim if my Hero Duet is damaged due to flooding?

Yes, you can file a bike insurance claim if your scooter is damaged due to flooding, provided you have an active Comprehensive Two-wheeler Insurance Policy. A Comprehensive Bike Insurance Policy covers damage to the two-wheeler caused due to natural calamities.

9. Does the bike insurance policy cover damages to the engine of my Hero Duet?

No. A Comprehensive Bike Insurance Policy does not cover the damages to the engine of the two-wheeler. However, you can opt for the Engine Protect add-on, if you are looking to cover the engine in the bike insurance policy. You can buy the add-on while purchasing/renewing the bike insurance policy. You can purchase add-ons at a nominal increase in the insurance premium.

10. How much time does it take to process my bike insurance claim?

The turnaround time for bike insurance claim settlement depends on the type of claim. For instance, ACKO offers instant claim settlement for minor damage claims. Major damage claims can be settled in a few days, depending on the condition of the damaged vehicle. The theft and total loss claim settlements may take more time, depending on the completion of the investigation and verification.