Hero Splendor Insurance
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Hero Splendor Plus Bike Insurance Summary
Hero Splendor Plus is a basic commuter bike available in 3 variants and 4 colors in India. The bike is powered by an iconic 97.2 cc air-cooled, single cylinder ‘Sloper’ engine and has a 9.8 L of fuel capacity. The 110 kg bike, Hero Splendor Plus comes with alloy wheels in all its variants and has an optional electric start system. It has a CBS system, a preload adjustable rear suspension, and a fully analogue affair when it comes to instrumentation. The bike has simple and trustworthy mechanicals and is one of the highest two-wheeler sellers in the country, the reason being that it is simple and easy to maintain.
Hero Splendor Plus Insurance
Basic legal requirement to ride a Hero Splendor bike on Indian roads is to own a third party bike insurance policy. If you do not own one or in case your bike insurance policy is lapsed, then you will be punished with a fine of Rs. 2,000 and/or imprisonment for up to 3 months. Apart from saving you from getting punished, a third party bike insurance policy also protects you from damages caused to the third party’s property, vehicle, or bodily injuries. So, you must have at least a third party bike insurance policy and renew it from time to time. You can also extend your coverage by purchasing a standalone own-damage bike insurance policy or a comprehensive bike insurance policy.
Types of Insurance Cover For Hero Splendor Plus Bike
- Third Party Bike Insurance Policy: Third party bike insurance policy is mandatory in India. It protects you against legal liabilities in case of a misfortune event like death or injury caused to a third party who is not in the insurance contract. The policy offers you protection from such liabilities for up to Rs. 1 lakh.
- Standalone Own-Damage Bike Insurance Policy: Standalone own damage bike insurance policy protects you against the damages sustained by your own bike. But even if you have a standalone own damage bike insurance policy, having a third party bike insurance policy remains a must.
- Comprehensive Bike Insurance Policy: If you purchase a comprehensive bike insurance policy, then you can avail the benefits of both third party bike insurance policy and standalone own-damage bike insurance policy. You can also enhance policy coverage by purchasing add-on covers like zero depreciation, roadside assistance, etc.
How to Buy Insurance for Hero Splendor Plus from InsuranceDekho
Buying bike insurance policy for Hero Splendor bike insurance policy online at InsuranceDekho is very easy. All you need to do is follow the easy steps given below:
Step 1: Visit the official website InsuranceDekho.
Step 2: Select ‘Bike’ and enter your bike’s number. Click on the ‘Get your Quotes’. If you do not know or remember your bike’s number, then please enter its brand, model, fuel type, variant, registration year, etc.
Step 3: Enter your personal details like Name and Mobile Number. You will see multiple quotes on your screen.
Step 4: From various quotes displayed, select the most suitable bike insurance policy for your Hero Splendor Plus bike as per your budget and requirements.
Step 5: Pay premium online for the selected bike insurance policy. You will receive the policy document via email.
Hero Splendor Bike Insurance Claim Process
Cashless Bike Insurance Process
The cashless bike insurance process helps you get your bike repaired without paying anything at the network garage of your insurance company and makes your insurer pay off your repair costs. Below given is the bike insurance claim process for your Hero Splendor bike:
- Inform your insurance company about the accident or mishap immediately by reaching out to their customer care team or by visiting their website or through their mobile app.
- Intimate the police about the incident in detail and lodge an FIR, especially in case of fire, accident, theft, and so on.
- Click photos of damages sustained by your bike and you due to the accident to keep them as proof during the claim settlement.
- Take your bike to the nearest network garage for repair. Here, you can also connect with your insurer to arrange towing facilities, in case your bike is unable to move.
- Once your bike reaches the garage, your insurance company will send a surveyor to examine the level of damages sustained by your bike. At this stage, you will have to show relevant documents such as bike registration certificate, driving license, FIR, etc., to the surveyor.
- The surveyor will create and submit a report stating the estimate of the claim based on which your insurance company will approve or reject your bike insurance claim.
- If the insurance company approves the claim, the network garage will repair your bike and after its completion, your insurer will settle the repair bills directly with the garage.
Reimbursement Bike Insurance Process
Under the reimbursement claim process, you will have to pay for your bike repair bills initially and after that, your insurer will reimburse the amount. Below given is the reimbursement bike insurance claim process for your Hero Splendor bike:
- Intimate your insurer about the incident and register your bike insurance claim.
- Take your insured bike to any garage or workshop of your choice for repair.
- The surveyor of your insurance company will visit the garage to access the damages.
- A claim estimate report will be prepared and submitted to your insurer by the surveyor.
- The garage will repair your damaged bike and you will have to pay the generated repair bill.
- Submit the original bills of repair and other documents to your insurer with a claim form.
- The insurer will assess your repair bills and claim form and then reimburse your repair cost.
Hero Splendor Plus Variants with Insurance Premium Price
Hero Splendor Plus 100 Million Edition97.2 cc,Petrol
Hero Splendor Plus Black and Accent97.2 cc,Petrol
Hero Splendor Plus NXG Kick Alloy97.2 cc,Petrol
Hero Splendor Plus IBS i3S BS497.2 cc,Petrol
Hero Splendor Plus Kick Alloy97.2 cc,Petrol
Hero Splendor Plus Kick with Alloy Wheel97.2 cc,Petrol
Hero Splendor Plus NXG Self Spoke97.2 cc,Petrol
Hero Splendor Plus Pro Classic BS497.2 cc,Petrol
Hero Splendor Plus Kick Spoke97.2 cc,Petrol
Hero Splendor Plus NXG Kick Spoke97.2 cc,Petrol
Hero Splendor Plus NXG Self Alloy97.2 cc,Petrol
Hero Splendor Plus Pro Drum Self Cast- SE97.2 cc,Petrol
Hero Splendor Plus Self with Alloy Wheel and i3S97.2 cc,Petrol
Hero Splendor Plus Self with Alloy Wheel97.2 cc,Petrol
Hero Splendor Plus Self Alloy BS497.2 cc,Petrol
Hero Splendor Plus iSmart97.2 cc,Petrol
Hero Splendor Plus i3s BS497.2 cc,Petrol
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Hero Splendor Plus Bike Insurance User Reviews33 Reviews
- Secured paymentsI recently bought a Royal Sundaram bike insurance plan for my Splendor Plus from the InsuranceDekho website. The plan is...Read MoreRoyal SundaramBy Rohit MittalOn:1st February, 2022
- Nice app for instant insuranceI had a very good experience. It is a very simple app for motor insurance. I will recommend this app to everyone in my f...Read MoreIffco TokioBy Karan singhOn:23rd November, 2021
- Supreb this is a good palatform for buying policyEasy to made a policy less time . Totaly its amazing to use or buy there are many option to select for us this is a go...Read MoreIffco TokioBy RAMCHANDEROn:13th July, 2021
- Constructive adviceI hold IFFCO Tokio bike insurance policy for my Hero Splendor Pro. On InsuranceDekho, I found some constructive advice o...Read MoreIffco TokioBy Debesh Chatterjee On:7th April, 2021
- Premiums are reasonably pricedThe bike insurance policy premiums offered by InsuranceDekho are all reasonably priced, keeping customers’ feasibility i...Read MoreFuture GeneraliBy Sunirmal Ojha On:26th March, 2021
- Got free policy quotesOn InsuranceDekho, I directly came to the segment where I could generate the free quotes for my Commuter Hero Splendor P...Read MoreDigitBy Aadi Vaishya On:9th March, 2021
- Visually appealing websiteThe website of InsuranceDekho is visually appealing. When I came here for the first time, I saw that each segment is bea...Read MoreDigitBy Arohan Mittal On:3rd March, 2021
- Easy to understand and payIt was a great experience, after comparing insurance on different portals, I realized that this is the perfect and most ...Sbi General InsuranceBy RABIN MAHAKUDOn:25th December, 2020
- Two wheeler insuranceI am using this portal for the first time. It was a very good experience. So I can refer this company to my friends also...Sbi General InsuranceBy SUDARSANAM POn:15th December, 2020
- Fast work in minutesGood job team. They helped me buy the best policy online with ease. My god wishes are with the team. Have a nice day. Th...Read MoreNew IndiaBy Omkar NathOn:16th October, 2020
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Hero Splendor Plus Bike Insurance FAQs
What is the Best Two-Wheeler Insurance for My Hero Splendor Plus?
There is no one best two-wheeler insurance policy. The insurance policy you need for your two-wheeler is one that is well suited to your needs. When you purchase insurance online you can do this by checking and comparing the different two-wheeler insurance companies, the quotes they are offering and their network of cashless garages. It will ensure you are making an informed decision. Moreover, in case of a mishap it will ensure that both you and your Hero Splendor Plus are well protected.
Will Two-Wheeler Insurance Pay for the Cracked Windshield of My Hero Splendor Plus?
In case there is an accident where the windshield of your hero splendour plus is cracked or shattered the two-wheeler insurance will take care of the repair costs only if you have an own damage cover. Moreover, if the damage was caused due to a deliberate accident or some form of illegal driving or misuse of the two-wheeler the insurance company will not provide compensation for the above-mentioned damages.
Does My Second Hand Hero Splendor Plus Need Two-Wheeler Insurance?
There are three types of insurance you can purchase for your Hero Splendour Plus; third party insurance, standalone own damage insurance and comprehensive insurance. Purchasing third-party insurance is compulsory for every two-wheeler in India, even second-hand vehicles. Those caught without this cover can be punished with a fine of Rs 2000 and/or be imprisoned for up to 3 months. However, own-damage covers are not compulsory only advised for the protection they provide in case of a mishap.
What Factors Affect the Insurance Premium of My Hero Splendour Plus?
The premium amount for your Hero Splendour Plus two-wheeler insurance depends on several factors. Primarily however, it is determined by the IDV or the Insured Declared Value of the Two-Wheeler. The IDV of the two-wheeler determines the highest claim amount the insurance provider will pay you in case there is a mishap. The IDV of any two-wheeler takes into account the depreciation rate according to the age of the two-wheeler. The older the two-wheeler the higher the depreciation rate. Hence, the lower the IDV and the claim amount.
How to File a Claim for My Hero Splendor Plus?
The following steps will guide you in filing a claim for your Hero Splendor Plus in the event of a mishap:
Step 1: Inform the insurance company that you faced an accident or an unfortunate incident by contacting them on their 24x7 helpline number. Check the list of documents you will need to provide for the claim procedure.
Step 2: If there was a road accident, a case of vandalism or theft file an FIR at the nearest police station. A copy of the FIR will also be required for the claim procedure.
Step 3: Submit the documents mentioned by the insurance company along with a claim form that has been duly filled.
Step 4: If the two-wheeler has to be repaired it must first be checked by the surveyor to assess the damage. After this the case will go through a verification process.
Step 5: If the claim for your Hero Splendor Plus is approved you can take your two-wheeler to a garage and get it repaired. It is best to go to a network garage where the entire procedure will be handled in a cashless manner.
How to Receive NCB for My Hero Splendour Plus Insurance?
The NCB or No Claim Bonus is a reward that is given by the insurance company to their customers every claim-free year. You can receive this reward with your Hero Splendour Plus if you have an own-damage cover, either standalone or as part of a comprehensive plan. The reward will give you a discount at the time of renewal after a claim free year as an incentive. Moreover, the reward is cumulative in nature for every consecutive year.
What is Zero Depreciation in Two-Wheeler Insurance and How Does it Affect My Hero Splendor Plus?
Zero Depreciation Cover is an add-on cover which can be purchased either with a standalone own-damage cover or comprehensive cover for your Hero Splendor Plus. If you have this cover the depreciation of your Hero Splendour Plus will be mitigated at the time of claim settlement ensuring a higher claim amount. However, keep in mind you can only purchase the zero depreciation cover for your Hero Splendor Plus if the bike is less than five years old. Moreover, the add-on can only be used a limited number of times within a year.
How to Renew the Two-Wheeler Insurance for My Hero Splendour Plus?
The two-wheeler insurance for your Hero Splendor Plus can now be renewed entirely online. Follow these instructions to renew the insurance for your Hero Splendour Plus on InsuranceDekho:
Step 1: Visit the website InsuranceDekho, select the two-wheeler insurance tab and renewal from the drop down menu.
Step 2: Provide the registration number of your Hero Splendour Plus in the given section. If you do not have the bike’s registration number enter the make model and year of registration of the bike instead.
Step 3: Enter the fuel type and variant of your Hero Splendor Plus and any other information required such as past claims, expiry date and previous insurance provider. Once all the information has been entered click on the ‘Submit and Get Quotes’ button.
Step 4: The quotes for two-wheeler insurance for your Hero Splendour Plus will be visible on the screen. Select the one suited to your needs.
Step 5: Make the payment for your selected two-wheeler insurance policy and the insurance document will be sent to your registered email ID.
How to Calculate the IDV of My Hero Splendor Plus?
You can calculate the IDV of your Hero Splendour Plus using the Premium Calculator available on the InsuranceDekho website.