Salient Features of HCSL Two wheeler Insurance
Cashless claim settlement at authorised network garages across India
Reasonable cost for innovative protection
Quick and strain-free settlement of claims
Helpline for circular the clock claim assistance
Cushion in the direction of changing rate of third party liability insurance premium (relevant for an extended-term plan)
Any time on line renewal facility (even after the date of expiry)
A complete package with the protection for third party liability, protection for possess vehicle and accidental protection for owner driver and the pillion rider.
Policy Inclusions
Any loss or hurt to your two wheeler due to manmade reasons like theft, burglary, riot, strike, malicious act, terrorist activity, accident by external means, hurt all over transit by road, rail, elevate, inland waterway, air or elevator.
Any loss or hurt to your two wheeler due to natural calamities like earthquake, explosion, fireplace, lightning, self-ignition, typhoon, flood, hurricane, inundation, tempest, hailstorm, cyclone, frost, rockslide and landslide.
Personal accidental cowl for owner driver worth Rs.1 lakh: It gives you a protection within the event of accident although driving. It compensates for the state of affairs where within the insured bike rider mounts or dismounts from the vehicle although travelling. Coverage contains death of the insured and physically injury suffered. Personal accidental cowl can also be obtainable for co-passenger as an optional feature.
Third party liability cowl: Every bike rider must have this cowl as its compulsory by Indian law as per the Motor Vehicle Act, 1988. This particular cowl protects you in the direction of your crook liability in the direction of third party in an accident. If the accident happens and you might be determined to be guilty, then the third party can claim for the loss or hurt. Coverage contains physically injury or death of the third party and hurt caused to 3rd party property.
Policy Exclusions
Wear and tear
Vehicle growing older
Mechanical or electrical breakdown
Consequential loss
Driving under the influence of intoxifieng elements like alcohol and medicine
Driving with no a sound driving license
Violating the usage instructional materials by the vehicle manufacturer
Loss or hurt due to intentional and planned act
Contractual liability
Damage or loss due to war or nuclear menace
Value Add-ons
Here are relatively about a of the riders or add-ons to enrich the protection. These riders are obtainable at a nominal in addition premium.
Return to Invoice cowl: A gap between the original invoice value and the insured declared value of your two wheeler is lined here. This rider supplied by HCSL insurance gives you a protection in the direction of a complete loss suffered by your bike. If the two wheeler gets stolen or only damaged in an accident, you may claim a compensation for the monetary loss.
Zero depreciation cowl: Normally, should you make a claim for the repair or replacement of vehicle, an part of the compensation is paid simplest to the extent of depreciated value of the vehicle. This effortlessly in more out-of-pocket cost all over the claim. Nil or zero depreciation cowl lets you get the full settlement of the claim with no factoring within the depreciation. Coverage is obtainable up to three years from the graduation date of the policy.
Long term Two wheeler Insurance
HCSL provides lengthy term insurance plan of 3 years for your bike. This reduces the problem of renewing the policy yearly. It additionally gives benefit of keeping the third party insurance premium part unchanged for the policy term. It provides you to make subsequent renewals with no claim bonus magnificent deal. If there's any claim, you will now not only loose the no claim bonus as the policy provides proportional refund.
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