Royal Enfield Continental GT 650 Bike Insurance

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Royal Enfield Continental GT 650 brings out the perfect blend of a classic looking, yet modernly designed motorbike. It stands as one of Royal Enfield’s most unique offerings in recent times. Such a valuable bike requires the best available financial protection against accidents. In this article, we will be discussing Royal Enfield Continental GT 650 bike insurance and the upsides of opting for online bike insurance.

About Two-wheeler Insurance for Royal Enfield Continental GT 650

There are two types of bike insurance policies available for Royal Enfield Continental GT 650, namely, Third-party Bike Insurance Policy and Comprehensive Bike Insurance Policy. A Third-party Bike Insurance Policy offers coverage only for injury/death and property damage to a third party. It does not however offer coverage for your insured bike.

A Comprehensive Bike Insurance Plan on the other hand offers more extensive coverage. It comes with Own Damage (OD) cover, as well as cover for third party liabilities. Also, you can opt for add-ons to this policy to extend its coverage. Since this policy offers more financial protection, it is the more recommended of two for your Royal Enfield Continental GT 650.

Benefits of purchasing two-wheeler insurance for Royal Enfield Continental GT 650

There are several benefits of opting for online bike insurance. Below are some of the key benefits.

Saves time

Buying bike insurance offline is extremely time-consuming. The entire process could take weeks. Conversely, you can buy bike insurance online within just a few minutes. All you need is a smartphone or computer with a working internet connection.

24x7 assistance

Buying insurance online is pretty straightforward. But if you are new to online insurance and can’t find your way around, you can use the 24x7 live chat assistance on the website, to get more clarity. If you need further assistance, you can call the displayed toll-free number.

Calculated choice

Buying insurance online allows you to compare plans offered by several bike insurance providers. This could help you weigh out the benefits of multiple plans and choose the most suitable plan for your requirements.

Insurance plans for Royal Enfield Continental GT 650

The two most common plans for Royal Enfield Continental GT 650 are Third-party Bike Insurance and Comprehensive Bike Insurance. Let us discuss both briefly.

Third-party Bike Insurance Policy

As per The Motor Vehicles Act of 1988, every bike owner must have at least a Third-party Bike Insurance Policy. Thus, it is the most basic insurance available for bikes. A Third-party Bike Insurance offers financial protection for accidental injuries/death and/or property damage to a third party. Be that as it may, it does not cover damages to your insured bike.

Comprehensive Bike Insurance Policy

A Comprehensive Bike Insurance Policy offers broader coverage than a Third-party Bike Insurance Policy. Its benefits include Third-party Insurance, as well as Own Damage (OD) cover. OD cover includes accidental damages, theft and damages caused by natural/man-made disasters to the insured two-wheeler. You can also buy add-ons to enhance this plan further.

What’s covered in Royal Enfield Continental GT 650 bike insurance?

The following accident scenarios are covered in a Comprehensive Bike Insurance for Royal Enfield Continental GT 650.

Accidental injury/death and property damage to a third party
Damages/loss from natural disasters like cyclones, earthquakes, floods, etc.
Damages/loss from man-made disasters like riots, strikes, vandalism, etc.
Theft of the insured two-wheeler
Damages beyond repair
According to the add-ons you choose, there will be other inclusions

Note: Personal Accident (PA) cover is not an inclusion under a Comprehensive Bike Insurance Policy. Nonetheless, it is mandated by law to purchase one. PA cover offers financial compensation for accidental disability or death.

What’s not covered in Royal Enfield Continental GT 650 bike insurance?

Accidents occurring in the following scenarios are not covered in a Comprehensive Bike Insurance Policy for Royal Enfield Continental GT 650.

Taking part in illegal racing
Driving under the influence of intoxicating substances
Driving without necessary documents
Driving without any regard for traffic rules
Accidental damages occurring as a result of the regular wear and tear of bike parts
Accidental damages that take place beyond the geographical scope mentioned in the policy document

Add-ons for Royal Enfield Continental GT 650 bike insurance

The following are the most popular add-ons for Royal Enfield Continental GT 650 bike insurance.

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

Note: The above-mentioned add-ons are subject to availability.

Why ACKO?

ACKO has a stellar reputation of being one of India’s leading digital insurance providers. Below are some of the advantages of opting for ACKO’s bike insurance.

Low premium

ACKO has a digital infrastructure that enables it to function on a direct-to-customer basis. This enables ACKO to bypass middlemen fees and other operational costs. Thus, ACKO is able to offer the best deals on insurance plans.

Immediate claims

For minor damages to your insured two-wheeler, ACKO usually settles claims within a few hours. However, more impactful damages may take a little longer. In such cases, the duration of the claim settlement will depend upon the severity of the damages.

No inspection

Usually, after raising a claim with an insurer, an insurance surveyor is sent to inspect the damages to the two-wheeler. ACKO skips this part completely! You just have to upload relevant pictures of the damages and answer some questions. We will handle the rest.

ACKO’s claim procedure

Follow these simple steps to raise a claim with ACKO.

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

Step 2: Find and select your Royal Enfield Continental policy card. Then, click on “Claim Now”.

Step 3: Provide answers to the questions related to the damages to your insured bike. After that, click “Submit”.

Note: Minor damages will usually be settled in just a couple of hours. But, major damages may take a little longer, depending on the extent of the damage.

Frequently asked questions

Below are some of the frequently asked questions regarding Royal Enfield Continental GT Bike Insurance.

What is the premium charged by ACKO for Royal Enfield Continental GT 650 Bike Insurance?

The criteria we use to determine the policy premium of a bike insurance plan include the bike’s age, make/model, IDV value and other criteria. So, the premium charged for a Royal Enfield Continental GT 650 will differ slightly from bike to bike. Since we are a digital insurance provider and work with a direct-to-customer model, we skip middle-men fees and other operational costs. This enables us to offer our insurance policies at extremely affordable rates. So fret not, you will definitely get the best deal on your Royal Enfield Continental GT 650 bike insurance with ACKO.

Is carrying a digital bike insurance policy recognised as valid insurance proof?

Yes! Digital bike insurance or a soft copy of your bike insurance will serve as valid proof of possessing bike insurance. You can store your bike insurance in the government authorised DigiLocker or in a PDF format on your smartphone and show the same as proof during checking. In India, it is not mandatory to carry physical insurance proof while driving.

Will my ACKO bike insurance be affected if I relocate?

No, your ACKO bike insurance will be intact even if you relocate. You just have to update your new address on the ACKO website or mobile app. However, you will be subject to the bike insurance premium that is applicable in the new city.

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