Harley Davidson Bikes Insurance Premium Price
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Add-ons For Your Harley Davidson Bike Insurance
Like other assets, the value of your two wheeler also depreciates constantly with time and the liability of this expense by default rests with the policyholder. A zero depreciation add-on protects you against the depreciation expenses incurred by your bike. Thus, if you opt for a zero depreciation cover, depreciation expense of your bike is not deducted from your claim amount at the time of a claim settlement. This add-on is available with comprehensive bike insurance plans as well as standalone bike insurance plans. This is one of the most popular and recommended bike insurance add-on covers.
In case of total loss (more than 70% damage) or theft of your bike, the insurance company pays you the Insured Declared Value of your bike as compensation. However, this Insured Declared Value (IDV) is less than the invoice price which you pay at the time of purchasing your bike. The Invoice Protection add-on cover helps you claim the Invoice Price, i.e. total ex-showroom price of your bike plus taxes plus registration charges, of your bike in case of total loss or theft of your bike.
No Claim Bonus is the reward which is given to the policyholder for not making any claim during the policy period. This reward is offered by the insurer in the form of a discount on the own-damage premium of the bike insurance policy at the time of policy renewal. The NCB ranges from 20% to 50% of the own-damage premium depending on the number of claim-free years. However, if you make even a single claim during the policy period this NCB gets lost. But, with the NCB Cover, you can keep your NCB intact even after making a claim during the policy period.
The damages incurred by the engine of the two wheeler are by default not covered under a bike insurance policy. However, if you opt for an Engine Protection Cover, the insurer will be liable to compensate you for damages incurred by the engine of your bike such as damage due to leakage of lubricants, water ingress, hydrostatic lock, damaged gearbox, broken crankshafts or pistons and cylinders. The repair cost of the internal engine parts is often high and can sum up to thousands of rupees or more. Thus, addition of this add-on to your comprehensive or standalone 2 wheeler insurance policy can save you from these expenses.
How long does it take to renew a Harley Davidson bike insurance?
You can get your
bike insurance renewed in just 5 minutes with InsuranceDekho.
Which all insurance add-ons should I buy for Harley Davidson bikes?
The popular insurance add-ons opted with
bikes include zero depreciation add-on, consumable cover and NCB (No Claim Bonus) cover among others.
From where can I purchase insurance for my Harley Davidson bike?
You can visit our website insurancedekho.com, compare all available premium quotes for Harley Davidson bikes and select the one which best suits your requirements. With InsuranceDekho, get policy issued instantly.
Which insurer has the best claim settlement ratio for Harley Davidson bikes?
Acko General Insurance, Bharti AXA General Insurance and ICICI Lombard General Insurance are among the bike insurers who have registered impressive claim settlement ratio for Harley Davidson bikes.
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