Hero Hf Deluxe Insurance
Calculate Your Hero Hf Deluxe Insurance
How to Buy Insurance for Hero HF Deluxe via InsuranceDekho
Hero HF Deluxe Bike Insurance Summary
Hero HF Deluxe is one of the most affordable bikes offered by Hero. It is a comfortable bike that is available in 5 variants. The bike comes with a 97.2 cc air-cooled engine with ‘Xsens’ technology that ensures better fuel efficiency as well as better acceleration. It has a fuel tank of 9.6 L and comes with drum brakes in the front and rear. With tubeless tyres and alloy wheels, the bike offers a fair performance. The bike has a fairly conventional design. If you are looking for an affordable bike and have fuel efficiency as your priority, then it is a good choice.
Hero HF Deluxe Bike Insurance
In India, it is mandatory to have at least a third party bike insurance plan as per the Indian Motor Tariff. If you get caught travelling without one, then you will have to pay a fine of Rs. 2,000 and/or will be imprisoned for up to 3 months. Getting a third party bike insurance policy not only saves you from being punished, but also covers you for financial liabilities towards a third party if your bike gets involved in an unfortunate event. So, it is a wise decision to buy a third party bike insurance plan and renew it from time to time before it gets expired.
Types of Insurance Cover
- Third Party Bike Insurance Policy: Third party bike insurance policy is mandatory in India. It covers you for third party liabilities incurred due to injury, death, and property damage. The property damage cover can be availed for up to Rs. 1 lakh.
- Standalone Own-Damage Bike Insurance Plan: Standalone own-damage plan offers cover for the damages sustained by your bike in the event of an accident or any other mishappening.
- Comprehensive Bike Insurance Plan: A comprehensive bike insurance plan covers you for third party liabilities as well as your own damages sustained by your bike in an unfortunate event.
How to Buy Insurance for Hero HF Deluxe from InsuranceDekho
Purchasing insurance for Hero HF Deluxe bikes from InsuranceDekho is a hassle-free process. You can purchase the policy within a few minutes by following a few easy steps given below:
Step 1: Visit the official website InsuranceDekho.
Step 2: Select ‘Bike’ and enter your bike’s number in the space given in the ‘Get Your Quote’ section. If you don’t remember your bike’s number, then please enter other details like its brand, model, fuel type, variant, registration year, etc. and proceed.
Step 3: To view bike insurance quotes, enter your personal details like Name and Mobile Number.
Step 4: Select the most suitable bike insurance policy from various quotes displayed for your Hero HF Deluxe bike as per your requirements and budget.
Step 5: Pay online for the selected policy. You will receive the policy document via email.
Hero HF Deluxe Bike Insurance Claim Process
Cashless Bike Insurance Process
The process of cashless bike insurance claims is designed to help you get your bike repaired without paying any amount at the network garage of your insurance company. Under this process, the repair cost is settled by the insurance company. Here is the process of a cashless claim for your HF Deluxe bike:
- Intimate your insurer as early as possible after an accident or mishap by calling the customer support staff of your insurer or by visiting their website or through their mobile app.
- Share all the details of the incident to the police and register an FIR, especially in case of accident, fire, theft, etc.
- Click some photos of damages sustained by your insured bike, bodily injuries, and any other damage, etc., after the accident to procure them as a vital proof for the settlement of the claim.
- Search a network garage near your location and take your bike there for cashless repair. You can also get in touch with your insurer to arrange towing facilities, in severe condition.
- As your bike reaches the network garage, a surveyor will be sent by the insurance company to assess the extent of damages suffered by your bike. Here you must show relevant documents like registration certificate, policy copy driving license, FIR, etc., to the surveyor.
- The surveyor will prepare and submit a report stating the estimate of the claim. On the basis of the surveyor's report and documents submitted, the insurer will approve or reject your claim.
- If your insurer gives approval, the network garage will start repairing your bike. After the completion of repair work, your insurer will settle the repair bills directly with the garage.
Reimbursement Bike Insurance Process
The reimbursement claim process is designed to make you pay for your repair bills initially and then reimburse it after you raise a claim. Here is the process to raise reimbursement claim for your HF Deluxe bike:
- Inform your insurance company about the event and register your claim.
- Take your bike to any garage or workshop after the accident or mishap for repair.
- Your insurer will send a surveyor to the garage to access the extent of damages of your bike.
- A claim report will be prepared and submitted to your insurance company by the surveyor.
- The garage will start repairing your bike and you will have to pay the generated repair bill.
- Submit the original repair invoice, relevant documents and a claim form to your insurer.
- After examining your bills, claim form, etc., your insurer will reimburse your claim amount.
Hero HF Deluxe Variants with Insurance Premium Price
Hero HF Deluxe 10097.2 cc,Petrol
Hero HF Deluxe Kick Start Drum Alloy Wheel97.2 cc,Petrol
Hero HF Deluxe Kick Start Drum Spoke Wheel97.2 cc,Petrol
Hero HF Deluxe Self Start Alloy Wheel97.2 cc,Petrol
Hero HF Deluxe Self Start Alloy Wheel All Black97.2 cc,Petrol
Hero HF Deluxe Self Start Alloy Wheel i3S97.2 cc,Petrol
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Hero HF Deluxe Bike Insurance User Reviews22 Reviews
- MOTOR INSURANCEBUY NEW POLICY IN ONLY 5 MINUTES GREAT EXPERIENCE I RECOMENDE IT MY FRIENDSXXXXXXXXHKHFGJWHGFJDGJFGDLGFJHqdgfjgfjDCJAvfj...Read MoreNew IndiaBy Naveen BamalOn:31st March, 2022
- Super experienceNice experience within 20 min insurance completed which is more than expectation so we are happy with this and we defin...United India Insurance Company LimitedBy ARAVINDHA TOn:20th March, 2022
- Easily comprehensible policy provisionsWhile making an investment, understanding policy provisions clearly is crucial for me. Grateful to InsuranceDekho for ma...Read MoreLibertyBy Amal TalukdarOn:30th June, 2021
- Several add-on optionsThe InsuranceDekho portal holds a wide variety of add-on covers for Liberty bike insurance. The insurance portal provide...Read MoreLibertyBy Hemant TalwarOn:7th October, 2020
- Great help for claim settlementThe best kind of help I got from the InsuranceDekho team was for the claim settlement. After facing an accident with my ...Read MoreBajaj AllianzBy Ishant GaurOn:30th September, 2020
- Easy to renew processI have a Future Generali bike insurance plan which I purchased for my Hero HF Deluxe bike. I bought it from the Insuranc...Read MoreFuture GeneraliBy Aditya DeshmukhOn:28th September, 2020
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Hero HF Deluxe Bike Insurance FAQs
What is the Best Two-Wheeler Insurance for My Hero HF Deluxe?
The best insurance for your Hero HF Deluxe is one that is suited to your individual needs and price point. An easy way to find a policy that fulfils these requirements is to purchase your two-wheeler insurance online. You can easily compare the different two-wheeler insurance providers, the quotes they are offering and their network of cashless garages before making a selection. You can also check the claim settlement ratio of the two-wheeler insurance providers to understand their reputation better.
Will Two-Wheeler Insurance Pay for the Cracked Windshield of My Hero HF Deluxe?
If the windshield of your Hero HF Deluxe is cracked or shattered during an accident the insurance company will take care of it only if you have an own-damage cover. This can be purchased either as a standalone own-damage cover or a comprehensive insurance plan. However, if the windshield was damaged due to a case of illegal driving or misuse of the two-wheeler the insurance company will not provide compensation for it.
Does My Second Hand Hero HF Deluxe Need Two-Wheeler Insurance?
Every two-wheeler in India, even your secondhand Hero HF Deluxe must have at least third party insurance. It is illegal to use the two-wheeler without this insurance and if caught you can be fined Rs 2000 and/or be imprisoned for up to 3 months. However, having an own-damage cover is not compulsory, it simply adds much-needed protection to your two-wheeler in case of an accident.
What Factors Affect the Insurance Premium of My Hero HF Deluxe?
The primary factor that determines the insurance premium for your Hero HF Deluxe is the Insured Declared Value. It is the maximum compensation you can receive in case there is a mishap and takes into consideration the depreciation rate of the two-wheeler. Every machine, bikes included face wear and tear and this is what the depreciation rate accounts for. Due to this, the newer the two-wheeler, the lower the depreciation rate and higher the insurance claim amount and premium.
How to File a Claim for My Hero HF Deluxe?
The following steps will guide you in filing a claim for your Hero HF Deluxe in the event of a mishap:
Step 1: First you must contact your insurance provider and let them know about your situation as soon as possible. Also make sure to confirm the list of documents you will need to provide for the claim procedure.
Step 2: If the mishap that occured was a big road accident, a case of vandalism or theft make sure to file an FIR at the nearest police station. You will also need to submit a copy of this document for the claim procedure.
Step 3: Gather all the different documents you need to submit and fill in the claim form before you hand it over to your insurance provider.
Step 4: If your Hero HF Deluxe needs repair the insurance company will first send a surveyor to assess the damage. Next, the insurance provider will verify your claim before it can be approved.
Step 5: Once the claim for your Hero HF Deluxe is approved you can get the two-wheeler repaired. If you take the two-wheeler to a network garage the insurance provider can handle the entire situation in a cashless manner.
How to Receive NCB for My Hero HF Deluxe Insurance?
No Claim Bonus is an incentive that is only offered along with own damage covers. If you have purchased either a standalone own damage cover or comprehensive insurance cover for you Hero HF Deluxe the insurance company will give you this reward for every claim free year for your safe driving skills. Moreover, the reward amount becomes higher with every consecutive year, reaching the maximum of 50% in the fifth consecutive year.
What is Zero Depreciation in Two-Wheeler Insurance and How Does it Affect My Hero HF Deluxe?
The Zero Depreciation Cover is an add-on cover that you can purchase with a standalone own-damage cover or a comprehensive insurance plan for your Hero HF Deluxe. The cover mitigates the depreciation rate of the two-wheeler at the time of claim settlement, thus ensuring the claim amount you receive for your Hero HF Deluxe is significantly higher. However, keep in mind you can only purchase the zero depreciation cover for your two-wheeler if it is less than five years old.
How to Renew the Two-Wheeler Insurance for My Hero HF Deluxe?
The two-wheeler insurance for your Hero HF Deluxe can now be renewed entirely online. Follow the below-mentioned instructions to renew the insurance for your Hero Splendour Plus on InsuranceDekho:
Step 1: Visit our website InsuranceDekho and select two-wheeler insurance. A drop down menu will appear, select ‘renewal’ from the given options.
Step 2: Enter the registration number of your Hero HF Deluxe in the provided section. In case you do not have its registration number enter its make, model and year of registration instead. Next enter its fuel type and variant.
Step 3: You must also enter the details of your previous policy including its expiry date and insurance provider. After entering all the required information select the ‘Submit and Get Quotes’ button.
Step 4: The quotes for two-wheeler insurance will be visible on the screen. Select the policy of your choice and make the payment for it. The insurance provider will send a copy of the policy document to your registered email ID.
How to Calculate the IDV of My Hero HF Deluxe?
The IDV of your Hero HF Deluxe can be calculated by deducting the depreciation rate from the invoice amount of your two-wheeler.