Honda Activa 6g Insurance

Honda Activa 6G Insurance Summary

Honda Activa 6G is the newest generation of Honda’s highest selling scooter. It is a 107kg scooter available in two variants in India namely Standard and Deluxe. The scooter comes in 6 colours that are glitter blue metallic, pearl spartan red, dazzling yellow metallic, black pearl precious white, and matte axis grey metallic, all of which give it an appealing look. The scooter has a 109.51cc fuel-injected motor that produces 7.7bhp of power and 8.79Nm of torque. When it comes to features, the scooter has an ACG silent starter motor, 18-litre under-seat storage space, engine start-stop switch, and a double lid external fuel filler cap. It has both rear and front brakes as drum brakes with CBS and also gets a larger 12 inch from the wheel as compared to smaller 10 inch rear wheel. All in all, the edition is an improved version of its predecessors. As per the Indian Motor Tariff, it is mandatory to have at least a third party bike insurance policy for your Honda Activa 6G scooter. It is an affordable policy that can be purchased for any two-wheeler. The policy not only saves you from a hefty fine of Rs. 2,000 and/or imprisonment for up to 3 months, but also offers protection against third party liabilities such as bodily injuries, or death of an individual, or damages caused to a vehicle or property. Along with the third party mandatory cover, you can also purchase a standalone own damage bike insurance policy or a comprehensive bike insurance policy for your Honda Activa 6G and enjoy extended coverage.

Benefits of Buying Honda Activa 6G Insurance from InsuranceDekho

Purchasing your Honda Activa 6G bike insurance through InsuranceDekho offers several advantages that can enhance your insurance buying and managing experience. Here are some key benefits:

1. Wide Range of Choices: InsuranceDekho collaborates with various insurers, providing a broad spectrum of insurance options. This allows you to compare different policies and select one that best suits your requirements and budget.

2. Easy and Convenient Process: The entire process of selecting and buying insurance on InsuranceDekho is online, which saves time and offers convenience. You can complete the process from anywhere, without the need for physical visits to an insurance office.

3. Tailored Insurance Solutions: You have the flexibility to customize your insurance policy based on your specific needs. Whether it's opting for comprehensive coverage, adding specific riders, or adjusting the Insured Declared Value (IDV), InsuranceDekho provides the options you need.

4. Instant Policy Issuance: Once you have selected your insurance plan and completed the payment, your policy is issued instantly. The digital copy of the policy is sent to your email, ensuring immediate coverage.

5. Expert Assistance: InsuranceDekho offers expert guidance to help you make informed decisions. If you have questions or need advice, their team is available to assist you.

6. Transparent Process: The platform operates with complete transparency. There are no hidden costs or charges, and the details about premiums and coverage are clearly presented.

7. User-Friendly Interface: InsuranceDekho’s website is designed to be intuitive and easy to navigate, making it accessible even for those who are not tech-savvy.

By choosing InsuranceDekho for your Honda Activa 6G bike insurance, you get a hassle-free, transparent, and informed insurance buying experience, ensuring that your bike is adequately protected according to your needs.

Types of Insurance Plans Available for Honda Activa 6G

1. Third Party Bike Insurance Policy: To ride your Honda Activa 6G scooter legally on the Indian roads, you must own a third party bike insurance policy. The policy covers you for the bodily injuries caused to an individual and damages caused to a vehicle or property. The policy covers you for such losses for up to Rs. 1 lakh.
2. Standalone Own-Damage Bike Insurance Policy: A standalone own damage bike insurance policy is not mandatory by law. But it can be very useful for you in case of a mishap as it offers you cover against your own damages sustained by your bike.
3. Comprehensive Bike Insurance Policy: A comprehensive bike insurance policy offers you extensive coverage in all situations. It covers you for third party liabilities as well as damages sustained by your own bike. In short, it offers you the benefits of both third party bike insurance policy and standalone own damage bike insurance policy.

What is Covered in Honda Activa 6G Insurance?

Insurance for the Honda Activa 6G bike typically includes a range of coverage options to protect against various risks. The scope of coverage generally encompasses the following:

• Accidental Damage: Coverage for damages to your Honda Activa 6G resulting from accidents, ensuring repairs or replacement costs are covered.
• Natural Disasters: Protection against natural calamities like floods, earthquakes, and storms, which can cause significant damage to the bike.
• Man-Made Disasters: This includes damages due to riots, theft, vandalism, and other man-made events.
• Third-Party Liability: Covers legal liabilities arising due to injuries or damages caused to a third party or their property by your bike.
• Personal Accident Cover: Provides a safety net in the unfortunate event of injury or death of the rider while using the bike.
• Engine Protection: As an optional add-on, it covers damage to the engine, which can be crucial for bikes like the Honda Activa 6G, especially in areas prone to waterlogging.
• Roadside Assistance: Another add-on, this feature offers assistance services like towing, fuel delivery, and minor on-site repairs in case of breakdowns or emergencies.

The exact coverage details can vary based on the policy type (third-party or comprehensive) and the insurer’s specific offerings. It's advisable to review the policy document for precise coverage information.

What is Not Covered in Honda Activa 6G Insurance?

When it comes to insurance for the Honda Activa 6G, there are certain standard exclusions that policyholders need to be aware of. These typically include:

• General Wear and Tear: The natural aging and regular wear and tear of the bike, including depreciation, is not covered under the policy.
• Mechanical or Electrical Breakdowns: Failures due to mechanical or electrical malfunctions that are not a result of an insured event are excluded from coverage.
• Damages Under Influence: Any damage caused while the rider is under the influence of alcohol or drugs is not covered by the insurance.
• Riding Without a Valid License: If the bike is being ridden by someone without a valid driving license at the time of the incident, the damages incurred will not be covered.
• Illegal Use: Damages occurring while using the bike for unlawful activities or for purposes not covered under the policy, such as racing or commercial use, are excluded.
• Unauthorized Modifications: Modifications made to the bike without the insurer’s knowledge or approval, especially those that may affect its performance or risk profile, can lead to claim rejection.
• War and Nuclear Risks: Events like war, nuclear risks, and related scenarios are typically not covered under standard bike insurance policies.

Being aware of these exclusions is essential for Honda Activa 6G owners to ensure that their expectations align with the realities of their insurance coverage. This knowledge also helps in taking the necessary precautions to maintain valid and effective coverage.

How to Buy Insurance for Honda Activa 6G from InsuranceDekho?

You can own a reliable insurance policy for your Honda Activa 6G scooter online at InsuranceDekho within a few minutes. It is a simple, quick and transparent process for which you are required to follow the steps given below:

Step 1: Visit www.insurancedekho.com.

Step 2: Select ‘Bike’. Then enter your Honda Activa 6G’s number in the ‘Get Your Quote’ section. In case you do not know the number, then please enter its other details like the make, model, variant, fuel type, registration year, etc. Proceed.

Step 3: Enter your personal details like Name and Mobile Number and the most relevant insurance quotes for your Honda Activa 6G scooter will be displayed on your screen.

Step 4: Select the bike insurance policy you wish to purchase keeping in consideration your budget and requirements.

Step 5: Pay for the selected policy online via a secured payment gateway. You will receive the policy document via email within the stipulated time.

Honda Activa 6G Bike Insurance Claim Process

Cashless Bike Insurance Process

The cashless bike insurance process gets your bike repaired free of cost after an accident or a mishap at the insurer's network garage. Under this procedure, the insurance company is liable to settle your bike repair costs directly with the garage. Here are the steps to get cashless bike insurance claim for your Activa 6G bike:

• Inform your insurance company immediately after the mishap by contacting your insurer’s customer support team or visiting their official website or through their mobile app, if available.
• Share detailed information with the police about the incident and register an FIR, especially for cases like accident, fire, theft, and so on.
• Try to click a few photos of your bike’s damages, your bodily injuries, and so on, after the collision or mishap to save them as a proof during bike insurance claim settlement.
• Pull your damaged bike to the nearest network garage to get cashless repair. You can connect with your insurer as well to arrange towing facilities, if your bike could not move.
• Once your bike reaches the garage, the insurance company will send a surveyor to assess the extent of damages incurred by your bike. You will have to show some relevant documents such as policy copy, bike registration certificate, driving license, FIR, and so on, to the surveyor.
• Based on the extent of damages, the surveyor will prepare and submit a claim report which holds the estimated claim amount. On the basis of the surveyor's report and documents submitted by you, the insurance company will accept or decline your claim request.
• If your insurer accepts your claim request, the network garage will begin to repair your bike. After the completion of repair, your insurance company will pay your repair bills directly to the garage.

Reimbursement Bike Insurance Process

The process of reimbursement of bike insurance claims makes you pay for your bike repair bills initially after the accident or mishap, but reimburses it later after the verification of bill and documents. The following are the steps to get reimbursement bike insurance claim for your Activa 6G bike:

• Inform your insurance company about your accident and register your claim.
• Take your insured bike to any non-network garage of your choice for repair.
• Your insurance company will send a surveyor to the garage to access the damages.
• A claim estimate report will be prepared and submitted to your insurer by the surveyor.
• The garage repairs your damaged bike and you will have to pay the generated repair bill.
• Submit the original bills of repair and relevant documents to your insurer with a claim form.
• Your insurer will inspect your bills and claim form and reimburse the expense of your repair.