About Harley Davidson
Every bike lover’s dream is to own a Harley-Davidson bike. This high-end bike is known for its style. If you plan to own one of these mean machines, you have to protect your bike against any damages with a good two wheeler insurance policy. With Liberty General Insurance, you can get an insurance policy to suit your requirements. This, clubbed with a list of garages that will service your Harley Davidson bike, will ensure your two wheeler remains in prime condiction.
Popularly known as Harley or H-D, this American motorcycle manufacturing company was founded by William S. Harley and Arthur Davidson in 1903. It specialises in manufacturing customised motorcycles, which led to the rise of the “chopper” style in motorcycling.Read More
Why choose Liberty General Insurance for your Harley Davidson bikes?
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Top Harley Davidson bikes
H-D Steel Rod
This bike is slightly different from Harley Davidson’s typical cruise bikes as it is a sports bike. It is a modified version of the Street 750. It has better suspension and more power. This mid-range bike is a favourite in the country.
H-D Fat Bob
Fat bob has the signature fat wheel in the front from the Harley Davidson stable. This muscle bike is not for amateurs. Experienced riders will have a jolly good time with this bike.
H-D XR 1200
One of the early Harleys to be sold in the country, the XR 1200 is one of the favourites among Indian riders. With a matte black body and a 1200 cc torque, this power machine is the right option for you.
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Types of two wheeler insurance for Harley Davidson
Liberty General Insurance offers two types of two wheeler insurance.
Third party Insurance
A third-party insurance protects you against expenses that arise when a third party is affected by an accident involving your bike. It includes injury to third party as well as damages to third party property. Under the Motor Vehicles Act of 1988, it is mandatory to have a third-party insurance to drive on Indian roads.
Liberty General Insurance allows you to add extra benefits to your insurance cover. They are called add-ons. Some add-ons available to you are
- Depreciation cover
- Passenger assist
- Consumable cover
- Engine safe cover
- Key loss cover
- Roadside assistance cover
Own damage to two wheeler
This policy covers you and your vehicle against any damages caused to your two wheeler during an accident. It also covers your bike against theft. So any expenses arising out of an accident involving your bike will be taken care of by the own damage two wheeler policy. It covers expenses for repairing or replacing parts of your damaged two-wheeler.
What does own damage to two wheeler insurance policy not cover?
- Damages to a third-party vehicle (If you want coverage for both - own as well as third party damages then buy comprehensive bike insurance)
- Damage caused to a third-party property
- Injuries caused to other people in an accident
- Normal wear-and-tear of the vehicle
- Mechanical and electrical breakdown
- A vehicle being used other than in accordance with the limitations as to use. For example, if you use your two wheeler for commercial purposes.
- Damage to/by person driving without a valid driving license
- Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
- Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered
Should I buy third-party or comprehensive bike insurance?
The Motor Vehicles Act of 1988 states that third-party insurance is mandatory. However, we suggest a comprehensive insurance policy for your Harley Davisson. This will include an own damage to vehicle, as well as an add-on cover.
You can choose one of several Liberty General bike insurance policies that cater to your requirements to ensure that you don’t feel the pinch in case your Harley Davison bike is damaged. You should also look to buy an add-on insurance policy cover so that you can secure the best possible protection for yourself. Some of the add-on policies include Depreciation Cover, Engine Safe Cover, Passenger Assist Cover, Gap Value, Key Loss Cover, Roadside Assistance Cover, Consumable Cover.
What are the factors that affect two wheeler insurance policy premiums?
Some of the factors include:
- Driving history
- Gender and age of driver
- Marital status
- Previous insurance
- Cubic capacity of engine
- Age of the vehicle
- Vehicle use
- Make, model and variant of your vehicle
What is depreciation cover in bike insurance?
Depreciation cover is also known as bumper to bumper bike insurance policy. Depreciation cover does not deduct for depreciation, thus offering complete cover. It means that if your vehicle gets damaged in an accident, no depreciation is subtracted from the coverage for depreciation and the insurance company will pay out the entire cost of the body part for replacement. This stays standard regardless of whether the bike insurance is in Delhi, Mumbai, Bangalore or someplace else.
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