Calculate Your Honda Shine Insurance
How to Buy Insurance for Honda CB Shine via InsuranceDekho
Honda CB Shine Bike Insurance Summary
Honda CB Shine is a 125 cc commuter bike manufactured for great performance and efficiency. The bike is available in three variants that are drum brake variant, the disc brake variant and the disc brake with a combi-braking system. Some key features of the bike include tubeless tyres, 5 step adjustable suspension, outstanding tail light, chrome finish muffler, alloy wheels, and chrome carburettor cover. The graphics on the fuel tank give the bike an attractive look.
Honda CB Shine Bike Insurance
According to the Indian Motor Tariff, the basic legal requirement for riding a bike in India is to own a third-party bike insurance policy. The policy provides you protection only against the third party liabilities such as damage to their property, vehicle, or bodily injuries. One of the benefits of third party bike insurance policy is that it comes at an affordable premium. Also, every bike is eligible to be covered under a third party bike insurance policy. So, you must buy one and renew it timely to be able to ride legally on Indian roads. Otherwise, you may be punished with a fine of Rs. 2,000 and/or imprisonment for up to 3 months.
Types of Insurance Cover
- Third Party Bike Insurance Policy: Third Party Bike Insurance Policy is mandatory in India. It not only protects you from paying a fine and/or imprisonment but also covers you against third party liabilities for up to Rs. 1 lakh in case of a mishap.
- Standalone Own-Damage Bike Insurance Policy: Standalone own-damage bike insurance policy offers cover for own-damages sustained by your bike. You can purchase this policy if you are already covered under a third party bike insurance policy.
- Comprehensive Bike Insurance Policy: A comprehensive bike insurance policy provides you the benefits of both the policies mentioned above. Covers you against by covering you against third party liabilities as well as standalone own-damage expenses. The policy comes with add-on covers to enhance coverage.
How to Buy Insurance for Honda CB Shine from InsuranceDekho?
You can purchase the most suitable bike insurance policy for your Honda CB Shine bike online at InsuranceDekho by following a few steps. These are given below:
Step 1: Visit the official website of Insurancedekho.
Step 2: Select ‘Bike’ and enter your bike’s number in the given space. Click on ‘Get your Quotes’. If you don’t remember your bike’s number, then you are requested to enter its brand, model, fuel type, variant, registration year, etc.
Step 3: Enter your personal details like Name and Mobile Number. You will see several quotes on your screen.
Step 4: From various quotes displayed, select the most suitable bike insurance plan for your Honda CB Shine bike keeping in consideration your requirements and budget.
Step 5: Pay for the selected bike insurance policy. You will receive the policy document via email.
Honda CB Shine Bike Insurance Claim Process
Cashless Bike Insurance Process
The cashless bike insurance is a facility which helps you get your bike repair without making any payment at the garage. To avail this cashless claim, you need to take your bike to a network garage of your insurance company. Given below is the cashless bike claim process to get your CB Shine bike repaired:
- Intimate your insurer after an accident or a mishap by contacting your insurance company’s customer care staff or through its official website or its mobile app, if available.
- Tell details of the event to the police and register an FIR, especially in case of fire, theft, accident, and so on.
- Click a few photos of the damages sustained by your bike, bodily injuries suffered by you, and so on, after the accident to use them as proof during the claim settlement.
- Pull your bike to the nearest network garage for cashless repairs. You can connect with your insurer to provide towing assistance for your bike if your bike becomes immovable.
- After your bike reaches the garage, a surveyor will be sent by your insurer to examine the proportion of damages sustained by your bike. You may also have to show some documents like policy copy driving license, FIR, etc., to the surveyor, so keep them handy in advance.
- The surveyor will develop a claim report and submit it to your insurance company based on which your insurer will accept or reject your bike insurance claim request.
- If your claim request gets approval, the network garage will begin to repair your bike and once the repair is completed, your insurer will make payment for the repair amount to the garage.
Reimbursement Bike Insurance Process
The reimbursement bike insurance claim process offers protection to your bike against damages by reimbursing its repair bills on your request for a claim based on the repair invoice you submit. Here is the reimbursement bike insurance claim process to get your CB Shine bike repaired:
- Inform your insurance provider about the mishap and register your claim.
- Take your damaged bike to any garage or repair centre of your choice to get it repaired.
- A surveyor will be sent by your insurance company at the garage to access the damages.
- The surveyor will create a claim report after examination and submit it to your insurer.
- The garage will repair your bike and you will have to make payment for the bike repair bill.
- Submit the original bills of repair and claim form to your insurance company after the repair.
- Your insurer will examine your submitted bill and claim form and reimburse your expenses.
Add-ons For Your Honda Shine Bike Insurance
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Explore Two Wheeler Insurance
Honda Shine Bike Insurance User Reviews24 Reviews
- Good Insurance and dealHope you will support in future with vendor if there are any clarifications/issues. Hoping Insurance dekho will check a...Universal SompoBy Vinay Kumar KanduriOn:1st August, 2021
- Bike insuranceExcellent service !! Fully satisfied ☺️ Online website to buy insurance easily Easy to handle and compare with other co...Icici LombardBy TAHIR HUSSAINOn:30th July, 2021
- Better updateIt was easy to renew my car insurance policy. Buying as well as renewing a car insurance policy is really easy on Insura...New IndiaBy SOLANKI RAJENDRASINHOn:28th March, 2021
- Guides like no otherInsuranceDekho is a perfect guide. It provides necessary information regarding various insurance companies and policies....Bajaj AllianzBy Parthiv Mittal On:24th March, 2021
- Good experienceGood experience of buying car insurance policy online at InsuranceDekho. Iam satisfied with the features. I will recomme...United India Insurance Company LimitedBy Sandeep AgnihotriOn:21st March, 2021
- Very easy to buyExcellent service, very quick and easy to buy. Thanks to the helpful customer care executives for the required support. ...United India Insurance Company LimitedBy PRAKASH SOn:19th March, 2021
- Good policy and good two wheeler insurance companyNice and good two wheeler insurance company and good luck with the following link to the following link to the following...Sbi General InsuranceBy VIVEK KUMAR KUSHWAHAOn:12th February, 2021
- Quotes based on bikes’ body typeI came to InsuranceDekho and directly selected my commuter Honda Shine to get quotes. It was super quick to find insuran...Tata AigBy Roopkatha Pandey On:8th February, 2021
- Very good experienceIt is a very good platform and I think we should get here for insurance things. Here you get the best insurance plans an...New IndiaBy UMESH PANDEYOn:24th December, 2020
- Budget-friendly optionsMy Honda Shine insured with Digit bike insurance is completely within my budget. So grateful to InsuranceDekho for givin...DigitBy Rishit GuhaOn:21st December, 2020
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Honda CB Shine Bike Insurance
What is the Best Two-Wheeler Insurance for My Honda CB Shine?
When looking to purchase two-wheeler insurance, keep in mind there is no single two-wheeler insurance policy that is the best. You simply need to find an insurance policy that is suited to your needs and price point. A convenient and time-saving way to purchase two-wheeler insurance is to do it online. That way you can compare the different two-wheeler insurance companies, the offers they are giving and their network of cashless garages before making your choice.
Will Two-Wheeler Insurance Pay for the Cracked Windshield of My Honda CB Shine?
The insurance company will only pay for the damaged windshield of your Honda CB Shine if you have an own-damage cover. You can purchase this either as a standalone own damage cover or as part of a comprehensive insurance plan. Moreover, keep in mind if you damage the windshield while partaking in any form of illegal driving or if anyone else was using the two-wheeler when the mishap occurred the insurance company will not cover the cost of the damage.
Does My Second Hand Honda CB Shine Need Two-Wheeler Insurance?
Yes, every two-wheeler in India is required to have at least third party insurance and this includes your second hand Honda CB Shine. Those who are caught without one will be fined Rs 2000 and/or imprisoned for up to 3 months. The third party insurance will take care of your third party liabilities in the event of a mishap including the cost of bodily injury, death and property damage.
What Factors Affect the Insurance Premium of My Honda CB Shine?
The main factor that determines the premium of your Honda CB Shine is the Insured Declared Value of the Two-Wheeler. The IDV of your CB Shine is determined by its rate of depreciation. Hence the older your CB Shine the lower the premium amount, claim amount and IDV.
How to File a Claim for My Honda CB Shine?
To file a claim for your Honda CB Shine follow the below-mentioned steps:
Step 1: Contact your insurance provider as soon as possible to inform them about the mishap. Make sure to also confirm the documents you need to provide for the claim process.
Step 2: If CB Shine was stolen, vandalised or you met with a road accident make sure to file an FIR at your nearest police station. You will also need a copy of the FIR for the claim process.
Step 3: Next you will need to collect and submit the required documents along with the claim form duly filled. You can do this by either mailing them to your insurance provider or physically submitting them at their nearest branch.
Step 4: If your CB Shine was damaged and needs to be repaired the insurance company will first send a surveyor to assess the damage. After this, your claim will go through a verification process.
Step 5: If the claim for your Honda CB Shine is approved you can then take it to a garage and get it repaired. The insurance company will reimburse the amount once you have submitted the original invoice to them. However, if you select a network garage the entire procedure will be handled in a cashless manner with lower out of pocket expenses.
How to Receive NCB for My Honda CB Shine Insurance?
No Claim Bonus for your Honda CB Shine’s insurance will only be offered if you have an own damage cover. Moreover, the NCB is only given for claim-free years. It is meant to be an incentive that encourages the safe driving of the insurance holder. This reward is also cumulative in nature which means that it gets higher with every consecutive claim-free year. The maximum NCB offered is in the fifth consecutive year which is 50%.
What is Zero Depreciation in Two-Wheeler Insurance and How Does it Affect My Honda CB Shine?
The Zero Depreciation Cover is an add-on that can be purchased for your Honda CB Shine along with a standalone own damage cover or comprehensive two-wheeler insurance. The cover will mitigate the depreciation of your Honda CB Shine at the time of claim settlement and ensure a higher claim amount. However, this cover is only offered to two-wheelers that are less than 5 years old and can be used only a limited number of times within a year.
How to Renew the Two-Wheeler Insurance for My Honda CB Shine?
Your Honda CB Shine’s insurance can be renewed online with just a few steps. Follow these instructions to renew your two-wheeler insurance on InsuranceDekho:
Step 1: Visit the InsuranceDekho website and select the two-wheeler insurance tab from the top of the homepage.
Step 2: Provide the required information including your two-wheeler’s registration number, fuel type variant, details of your previous insurance policy, claims if any and personal details.
Step 3: Once you have entered all the required information click on the ‘Submit and Get Quotes’ tab to continue.
Step 4: All the quotes for two-wheeler insurance will be visible on the screen. You need to simply select the policy of your choice and any add-ons you would like to purchase with it.
Step 5: Make the payment for your CB Shine two-wheeler insurance policy and the policy document will be sent to your registered email ID.
How to Calculate the IDV of My Honda CB Shine?
The IDV of your Honda CB Shine can be calculated using a two-wheeler insurance premium calculator. You can find this on the InsuranceDekho website.
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