About Hero Bikes
Hero bikes for year spread its footprints across the country, before Hero and Honda amicably parted ways. With talented engineers constantly innovating mobility solutions globally, Hero has a wide range of two wheelers suitable for riders seeking basic solutions to luxury alternatives.
LGI’s two wheeler insurance policy offers individuals easy accessibility to safeguard and protect themselves and their property, including two wheelers. Using LGI, you can insure your Hero bikes at your convenience online.
Why choose Liberty General Insurance for your Hero bikes?
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Top Hero bikes
Hero Xpulse 200 powered with a 199.6cc single-cylinder engine is one of Hero’s latest two wheeler launches in 2019. Xpulse 200 was awarded the most prestigious Indian Motor of the Year (IMOTY) 2020 award by a 12-member jury comprised of Auto stalwarts. The lightweight automobile is constructed to offer comfort to its rider while being easy to manage. Hero offers the model in two variants, Xpulse 200 (Careb) priced at Rs. 97,000 and Xpulse 200 (FI) priced at Rs. 1.05 lakhs.
Xtreme 200S is an evolved version of the 200R, which was Hero’s first offering in the premium 200cc segment. Powered with a 200cc single-cylinder air-cooled engine, the Xtreme 200S has a sporty design with lines carved to draw attention. The Xtreme 200S has a fully-digital console with Bluetooth connectivity and is priced at 1.09 lakhs.
With a bold contemporary design and stellar performance, the all-new Maestro Edge captivates attention. Hero’s most-premium scooter offerings, the Maestro Edge powered with a 111cc single-cylinder engine claims a fuel efficiency of 64 kmpl. Starting at just 53,000 rupees, the Maestro Edge is a visual stunner with superior performance.
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Types of two wheeler insurance for Hero two wheeler
Liberty General Insurance offers two types of two wheeler insurance.
Own damage to two wheeler
Own damage to vehicle covers damage to your Hero Honda in case of an accident. This policy will cover you in case of an accident or theft. It also encompasses any damage caused to the insured bike or its rider, including natural or man-made causes such as fire, earthquakes, or theft.
What does own damage to vehicle insurance policy not cover?
- Damage to third-party vehicle
- Damage to third-party property
- Injuries to a third party in an accident involving your two wheeler
- Normal wear and tear
- Mechanical or electrical breakdown
- In case you use your private bike commercially
- Driving under the influence of alcohol or drugs
- Driving without a licence
- Consequential loss
Third party Insurance
As per the Motor Vehicle Act, 1988, all vehicles plying on Indian public spaces must be insured against third-party liability. The policy covers any damage caused by the insured bike to third-party individuals or property.
At Liberty General Insurance we offer several add-ons to extend your protection and coverage with the Hero two wheeler insurance policy. Some add-ons that can be clubbed with either third-party or comprehensive hero two wheeler insurance policy are roadside assistance cover, engine safe cover, depreciation cover.
What is two wheeler insurance? Why is it necessary?
Two wheeler insurance is a method of protecting your bikes and scooters from damage that could be caused by a road accident or theft. Given the amount of money you invest in motorcycles and their upkeep, insurance helps mitigate losses if any caused by unprecedented events such as accidents. While third-party liability insurance is mandatory for all vehicles as per Indian statutory requirements, it is advisable to have comprehensive insurance covering all possibilities of damage to your two wheelers.
Can I buy multi-year two wheeler insurance policies online?
Yes. The process of purchasing multi-year insurance policies is the same as any other insurance policy online. You can buy them by accessing the website of insurance service providers online. Those porting their bike insurance policy to Liberty General Insurance can visit here, and existing Liberty General Insurance customers can visit here.
Should I buy third-party or comprehensive bike insurance?
Third-party bike insurance is mandatory according to the Motor Vehicle Act of 1988. However, it is advisable to buy comprehensive two wheeler insurance for Hero, as third-party bike insurance only covers third-party liability, and any damage to the two wheeler will not be covered.
However, it is advisable to buy a comprehensive bike insurance, as third-party two wheeler insurance only covers third-party liability, and any damage to your bike will not be covered. 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 Hero Honda 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.
Is there personal accident cover in LGI two wheeler insurance policy?
Yes. LGI Two Wheeler Package Policy offers personal accident cover to owner/driver. However, you can also purchase add-on personal accident cover for pillion rider by paying extra premium.
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