Suzuki Gixxer Bike Insurance
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Suzuki Gixxer is one of the premium 150cc commuter motorcycles in the Indian market. The Gixxer comes with sporty styling, premium features and powerful engine. Insuring your motorcycle is important to adhere to the rules and regulations and to protect your motorcycle. A bike insurance plan provides you with coverage against financial and legal liabilities. Read on to know all the details about Suzuki Gixxer bike insurance.
Importance of buying Two-Wheeler insurance for Suzuki Gixxer Model:
Two-wheelers are prone to damages given the chaotic Indian road conditions, and buying a bike insurance policy is crucial. A two-wheeler insurance policy not only covers damages to your bike but also covers financial and legal liabilities arising due to third-party damages. Also, you cannot ride your motorcycle on the road without a valid insurance policy. It is compulsory to purchase at least a third-party bike insurance plan to adhere to the rules and regulations. Below are the benefits of purchasing bike insurance for Suzuki Gixxer:
Own Damage Cover: A comprehensive bike insurance policy provides coverage against damage to your motorcycle and accidental death/injury to the rider. The insurance plan covers damages to your bike caused due to an accident, fire and natural/man-made calamities.
Third-Party Liability Cover: A third party two wheeler insurance policy covers damages caused to third-party property or life. The insurer will bear the financial liability for damages to third-party property and injury/accidental death of the third-party.
Total loss/Theft Cover: Comprehensive bike insurance plan also covers the total loss and theft of the insured vehicle. In case your Suzuki Gixxer gets stolen or suffers a total loss in an accident, then the insurer is liable to pay you the value (IDV) of the motorcycle.
Add-on Cover: A comprehensive bike insurance plan also gives you the option of enhancing the coverage benefits through add-ons. You can buy a host of add-ons for Suzuki Gixxer bike insurance, which expands the scope of coverage of the insurance policy.
What’s Covered in Suzuki Gixxer Insurance (Inclusions):
Suzuki Gixxer comprehensive bike insurance provides coverage against the following:
Loss/Damage to third-party property or life.
Injury/Accidental death of the owner/rider.
Loss/Damage to the motorcycle due to an accident.
Loss/Damage to the motorcycle due to natural disasters such as floods, earthquakes, cyclones, etc.
Loss/Damage to the motorcycle due to man-made disasters such as vandalism, etc.
Loss/Damage to the motorcycle due to explosion or fire outbreak.
Total loss and theft of the insured motorcycle.
Exclusions of Suzuki Gixxer Bike Insurance:
Suzuki Gixxer bike insurance will not provide coverage against the following circumstances:
Loss/Damage to the motorcycle due to improper handling.
Loss/Damage to the motorcycle due to electrical or mechanical failure.
Loss/Damage to the motorcycle due to rash/reckless riding.
Loss/Damage to the motorcycle when riding under the influence of alcohol/intoxicating substances.
Loss/Damage to the motorcycle while riding without a valid driving licence.
Loss/Damage to the motorcycle due to wear and tear.
Any add-ons which are not bought.
Bike Insurance plans for Suzuki Gixxer Bike
You can opt for mainly two types of bike insurance plans for Suzuki Gixxer: Third-Party bike insurance and Comprehensive bike insurance. Both the insurance plans have different sets of coverage benefits. Below are the details of both the insurance plans for Suzuki Gixxer bike:
Third-Party Bike Insurance Plan
Purchasing a third-party bike insurance policy for Suzuki Gixxer is mandatory to comply with the Motor Vehicles Act. The insurance plan covers you for financial and legal liabilities for damage caused to third-party property or life in an accident. Note that you don't get an Own Damage cover with the third-party two-wheeler insurance policy.
Comprehensive Bike Insurance Plan
A comprehensive two wheeler insurance policy provides extensive coverage which includes both third-party liability and Own Damage cover. Damages to your motorcycle and accidental death/injuries to the rider are covered by this insurance plan. Apart from that, a comprehensive bike insurance plan also covers total loss or theft of the insured motorcycle. You also have the option of buying add-ons to extend the coverage benefits of a comprehensive bike insurance plan.
Add-ons for Suzuki Gixxer Two-Wheeler Insurance:
A comprehensive bike insurance policy gives you the option of buying add-ons to extend the coverage benefits. Below are the available add-ons for Suzuki Gixxer bike insurance:
Engine Protection Cover
Roadside Assistance Cover
No Claim Bonus Cover
Invoice Cover
Consumables Cover
Key Protect Cover
Zero Depreciation Cover
Claim Procedure:
If your Suzuki Gixxer suffers damages in an accident, you need to apply for a claim. Below are the steps to apply for ACKO bike insurance claim:
Step1. Visit the official website www.acko.com or download the smartphone app.
Step 2. Log in to your account.
Step 3. Select the Bike Insurance options from the Products menu.
Step 4. Click on the Two-wheeler claims option from the Claims menu.
Step 5. Enter details of the damage and upload pictures of the damaged motorcycle.
Step 6. You may receive instant claim settlements for minor damages.
Step 7. If the damages are major, the claim will be settled within a few hours/days, depending on the magnitude of the damage.
Step 8. Minor damages can be repaired at your location by ACKOs expert mechanic.
Step 9. Major damages can be repaired at ACKOs network of cashless garages.
Advantages of Buying ACKO Two-Wheeler Insurance Policy for your Suzuki Gixxer Bike
Buying ACKO bike insurance comes with a host of benefits. Here are the advantages of ACKO bike insurance policy for your Suzuki Gixxer motorcycle
Online Process
Buying two-wheeler insurance from ACKO is simple, as the entire buying process can be completed online. There is no paperwork required to purchase an insurance policy, and digital payment modes make the experience even better.
Hassle-Free Claim Settlement
At ACKO, you can apply for a two wheeler insurance claim online, and it takes only a few minutes. For minor damages, you receive instant claim settlement, and for major damages, the claim will be settled within a few hours depending on the damages.
Expert Advice
Buy the right two-wheeler insurance for your Suzuki Gixxer bike with unbiased advice from ACKOs team of insurance experts.
Best Bike Insurance Plans
ACKO provides bike insurance plans as per the optimum Insured Declared Value for your motorcycle. You can also compare different insurance plans and add-on covers before buying Suzuki Gixxer bike insurance.
Frequently Asked Questions:
Below are some of the most commonly asked questions about Suzuki Gixxer bike insurance:
Commonly Asked Questions About Suzuki Gixxer Bike Insurance
1. Can I buy online two-wheeler insurance for my Suzuki Gixxer bike, and is it valid?
Yes. You can buy two-wheeler insurance online for your Suzuki Gixxer. Online or digital bike insurance is valid as the insurer will provide you with a soft copy of the insurance certificate.
2. Is it compulsory to buy bike insurance for my Suzuki Gixxer?
Yes. Buying at least third-party bike insurance is compulsory to comply with the Motor Vehicles Act. It is illegal to ride a motorcycle on the road without a valid two-wheeler insurance policy.
3. How much does it cost to insure my Suzuki Gixxer bike?
The cost of insurance depends on the value of the motorcycle, and also the insurance plan and add-ons you choose. The higher the value of the motorcycle, the higher the cost of bike insurance premium.
4. What is an add-on in Suzuki Gixxer bike insurance?
An add-on is an optional individual cover, which is available with a comprehensive bike insurance policy. There are a host of add-ons, which you can purchase for Suzuki Gixxer bike insurance.
5. I have purchased third-party bike insurance for my Suzuki Gixxer. Can I buy add-ons?
No. You cannot buy add-ons for a third-party bike insurance policy as it does not provide an Own Damage cover. Only a comprehensive insurance plan allows you to purchase add-ons.
6. Can I renew bike insurance online, and how much time does it take?
Yes. You can renew bike insurance online. It takes only a few minutes to renew the insurance policy as there is no paperwork. And digital payment modes save you a lot of time.
7. Can I apply for a bike insurance claim if my Suzuki Gixxer is stolen?
Yes. You can apply for a claim if your motorcycle is stolen. A comprehensive bike insurance policy covers theft of the insured vehicle. The insurer will pay you the IDV of the motorcycle.
8. Can I reduce the cost of Suzuki Gixxer bike insurance?
Yes. You can install an anti-theft device on your Suzuki Gixxer to reduce the insurance premium. With the reduced risk of theft, the premium of the insurance policy will come down. Also, you can buy only the necessary add-ons for your bike, and you can purchase a third-party bike insurance plan, which will significantly reduce the cost of bike insurance.
9. Can I buy an Own Damage add-on cover for third-party bike insurance?
No. There is no separate Own Damage cover available for third-party bike insurance. If you need Own Damage cover, you have to opt for a comprehensive bike insurance policy.
10. My bike insurance policy has expired. Can I renew it?
Yes. You can renew an expired bike insurance policy within the grace period provided by the insurance company. After the grace period, the insurance premium might increase due to additional service charges. Note that expired bike insurance does not provide coverage, so it is better to renew the insurance policy before it expires.
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