Hero Glamour 2017 Insurance

There is no single insurance policy that can be declared the best. In insurance, the best policy is one that fits your requirements and your budget. The easiest way to find an insurance policy for your Hero Glamour is to purchase it online. You can compare the different aspects of the insurance policies to find the one for you. Some things to check when deciding on your two-wheeler insurance policy include the claim settlement ratio, the customer service reviews, the terms and conditions of the policy especially the exclusions and their network of cashless garages.

If the windshield of your Hero Glamour is damaged due to a mishap the insurance company will compensate for it only if you have an own damage cover. This type of two-wheeler insurance is not compulsory and can be purchased either as a standalone own damage cover or as part of a comprehensive two-wheeler insurance plan. However, if the windshield of your Hero Glamour was damaged under conditions not covered by the insurance policy or due to illegal driving or misuse the insurance company will not provide compensation.

Yes, it is compulsory for every two-wheeler to purchase at least a third party insurance in India according to the Motor Vehicles Act of 1988. Thus, you must purchase this cover for your Hero Glamour even if it is a second-hand two-wheeler. Those who are caught using their two-wheeler without this insurance will be fined Rs 2000 and/or face imprisonment for up to 3 months. The third party insurance will take care of your third party liabilities in the event of a mishap involving your Hero Glamour including bodily injuries, death and property damage.

The premium amount charged for your Hero Glamour depends on several factors. The most important of these is the Insured Declared Value of your Hero Glamour. This is the maximum amount the insurance company will offer you in case there is a mishap involving the Hero Glamour. Moreover, the IDV takes into account the depreciation rate of the two-wheeler depending on its age. Thus, the older your Hero Glamour the lower its IDV, premium amount and claim settlement amount will be.

To file a claim for your Hero Glamour follow the below-mentioned steps:

Step 1: Inform the two-wheeler insurance company about the mishap as soon as possible. There is a list of documents you must provide for filing the claim, make sure to confirm the documents required with the insurance provider as they may vary depending on your situation.

Step 2: If the mishap involved theft, vandalism or a road accident you will need to file an FIR at your nearest police station. A copy of the FIR will also be required for the claim procedure.

Step 3: Collect all the documents required along with the claim form that needs to be filled carefully and submit them to the insurance company as soon as possible so they can begin the claim procedure.

Step 4: If the mishap damaged the Hero Glamour such that it needs to be repaired the insurance company will send a surveyor. They will assess the damage after which the claim will go through a verification process before it can be approved.

Step 5: If the claim is approved you can then take it to a network garage where your Hero Glamour will be repaired and the cost will be dealt with in a cashless manner by the insurance company.

If you purchase an own-damage cover for your Hero Glamour the insurance company will give you a No Claim Bonus for every claim-free year. This is a reward that is given to the insurance holder as an incentive for their safe driving skills and can be transferred to a new policy. It is also cumulative, which means the reward becomes higher with every consecutive claim-free year. The maximum reward offered to insurance holders is 50% which is given on the 5th consecutive year.

The Zero Depreciation Cover can be purchased as an add-on cover along with a standalone own damage cover or a comprehensive two-wheeler insurance plan. If you purchase this cover for your Hero Glamour it will mitigate its depreciation rate at the time of claim settlement ensuring that the claim amount is significantly higher. However, this add-on cover can only be purchased by those who have two-wheelers that are less than five years old. Moreover, if you purchase it you can use it only a limited number of times within a year.

Your Hero Glamour insurance policy can now be renewed entirely online within a few minutes. To renew your insurance on our website InsuranceDekho select the ‘two-wheeler insurance’ tab from the top of the homepage. A drop-down menu will appear, select the ‘renewal’ option from it. On the page that opens enter all the required information. This includes the Hero Glamour’s registration number, fuel type and variant. Next enter the previous insurance policy’s details, the expiry date, insurance company and claim details if any. Once you have entered all these details click on the ‘Submit and Get Quotes’ button. All the quotes available for your Hero Glamour will be visible. Simply select the one that suits you best and make the payment for it. The insurance document for your Hero Glamour two-wheeler insurance will be sent to your registered email ID.

You can calculate the IDV of your Hero Glamour by using the premium calculator on the InsuranceDekho website.