Palatino Angel Bike Insurance

Q: How do I get a policy quote for my Palatino Angel bike from ACKO?

Using ACKO’s two-wheeler insurance premium calculator , you can obtain the Palatino Angel two-wheeler insurance quote.

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Palatino Angel is an electric scooter known for low-cost maintenance and a comfortable riding experience. But first, you must get bike insurance to experience the ease of riding this scooter on Indian roads. There are different types of plans that define the coverage and benefits of having bike insurance. Hence, this article helps to understand valuable details about Palatino Angel bike insurance.

Importance of buying online two-wheeler insurance for Palatino Angel

The following are the reasons why you should consider purchasing Palatino Angel bike insurance online.

1. Policy comparison

With online policy purchase, you can compare bike insurance coverages, prices and other insurance-related factors. The digital platform eases the process of policy analysis as compared to calling an insurance company or visiting their office.

2. Quick transaction

There is no lengthy procedure involved in the bike insurance purchase process online. You can renew/buy Palatino Angel insurance from the comfort of your home in a few minutes. Provide only bike and previous policy details (if available) and you can make a purchase.

3. 24*7 availability

Throughout the tenure of bike insurance, you get to utilise the 24*7 digital availability of services from an insurer. It helps to quickly raise claims and track your policy without waiting for callbacks.

Bike insurance plans for Palatino Angel scooter

Palatino Angel two-wheeler insurance rates, features and coverages differ based on the two major types of policies.

Third-party Bike Insurance Policy

For motor vehicles in India, Third-party Bike Insurance is mandatory to legally drive or ride in the country. This policy safeguards you financially against situations when your bike causes any third-party injuries/death, or damage to their properties. While this policy is compulsory, it doesn’t include coverage for the insured bike against loss, theft or damages, etc.

Comprehensive Bike Insurance Policy

This type of bike insurance is offered to combine Third-party Insurance with Own Damage Bike Insurance (OD) cover. The OD cover of this policy enhances the coverage for your insured bike. You get coverage if your bike gets damaged in an accident, fire, explosion, natural/man-made catastrophes, etc. You can also raise claims for bike theft and total loss.

Important: When buying your bike insurance plan, it is essential to buy a Personal Accident (PA) cover. The PA cover is compulsory by law, but you’ll have to purchase it separately, as it doesn’t come included in a basic plan. The PA cover offers financial protection in situations like death/disability (permanent/temporary) after a bike accident.

What’s covered in Palatino Angel insurance? (Inclusions)

A Comprehensive Palatino Angel scooter insurance offers coverage in these situations.

Injuries/death of a third party
Third-party loss/damage of property
Natural catastrophes such as earthquakes causing bike damages
Man-made catastrophes such as riots causing bike damages
Fire/explosion related damages to your bike
Bike getting damaged beyond repair (total loss)
Other add-on related coverages

What’s not covered in Palatino Angel bike insurance?

Here are the situations excluded from the Palatino Angel two-wheeler insurance policy.

Damages while riding under the influence of alcohol or other drugs
Riding without the required documents
Using the bike for illegal racing
Breaking traffic laws
Mechanical or electrical problems in your bike
Regular wear and tear caused over the years
Damages occurring while riding outside the prescribed geographical region
Raising claims when your policy is inactive/expired

Add-ons for Palatino Angel scooter insurance

Below is a list of add-ons generally offered by insurers for Palatino Angel bike insurance.

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

Note: The availability of the mentioned add-ons may differ from insurer to insurer. You should confirm with your insurance provider whether an add-on is available with your policy or not.

Why ACKO?

ACKO makes bike insurance hassle-free with the following benefits.

Low-cost policies

ACKO operates via a digital infrastructure, which enables a direct-to-customer approach. You can buy bike insurance directly from us rather than through a middleman, which saves you a significant amount of money.

Paperless buying

ACKO saves you from lengthy physical paperwork associated with a two-wheeler insurance purchase. To renew or buy Palatino Angel insurance, you can simply provide details of your bike and the policy bought previously (if applicable).

Quick settlement

The process of raising bike insurance claims is completely digital and instant at ACKO. Plus, the settlement process is swift with minor claims taking only a few hours to get settled. But for complex claims, the settlement team may require a few days.

ACKO claim procedure

Follow these simple steps to raise Palatino Angel insurance claims at ACKO.

Step 1: Visit ACKO’s website or mobile app and log into your account.

Step 2: Find your Palatino Angel bike policy, then, click on the “Claim” button.

Step 3: Answer a few questions and upload supporting images of your bike to raise a claim.

After raising a request, you may receive the settlement amount for a minor claim within a few hours only. For a major claim, the settlement team will guide you through the process.

Frequently asked questions

Here are a few common questions asked about Palatino Angel bike insurance from ACKO.

Do I need bike insurance for my second-hand Palatino Angel bike?

Yes, even second-hand Palatino Angel requires at least Third-party Insurance in India. Moreover, you should consider a Comprehensive Bike Insurance Plan that can extend coverage to your insured bike along with third-party liabilities.

Are add-ons compulsory when buying a comprehensive policy?

Not at all, add-ons aren’t compulsory when buying a Comprehensive Insurance Plan. You can decide to purchase or skip add-ons when purchasing a policy. There is only one cover called Personal Accident or PA cover, which is mandatory in India for vehicle owners. It is provided to cover death or temporary/permanent disabilities caused due to an accident.