About Hero Honda
Looking to buy a Hero Honda Splendor or a Passion Pro? These are two of the best budget bikes available in India. Don’t forget to get your two wheeler insurance policy from Liberty General Insurance (LGI).
Hero Honda was the world’s largest two wheeler manufacturer in 2001, in terms of unit volume sales in a calendar year. Headquartered in New Delhi, Hero Honda specifically catered to the Indian consumer market. It has over 46 percent market share in the Indian two wheeler segment.Read More
Why choose Liberty General Insurance for your Hero Honda bikes?
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Top Hero Honda bikes
Hero Xpulse 200
This is the latest variant of the Hero Impulse that was launched in 2011. It can double up as a sports bike and an off-road bike. Even though Impulse was discontinued in 2016, the XPulse version was commercially launched in 2019. If you are looking for an adventure bike, this may be the one for you.
Launched in 2012, this was the first scooter from the stable of Hero Motocorp. The scooter remains a mass favourite with it becoming the largest selling scooter of Hero. You can get it in two engine options—110 cc and 125 cc. The latest in this line is the Maestro Edge.
Hero Splendor Plus
The Hero Splendor is a descendant of the CD100 bike from Hero Motocorp. Splendor remains as popular as its predecessors. This commuter bike from Hero Motocorp is a favourite in India. A mid-budget bike, this comes in various colour options. This bike is known for its design which has been retained by the manufacturer through generations
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Types of two wheeler insurance for Hero Honda bikes
Liberty General Insurance offers two types of two wheeler insurance.
Own damage to two wheeler
This policy covers damage or loss caused to your bike.
- by fire explosion self-ignition or lightning
- by burglary housebreaking or theft
- by riot and strike
- by earthquake (fire and shock damage)
- by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost
- by accidental external means
- by malicious act
- by terrorist activity
- whilst in transit by road rail inland-waterway lift elevator or air
- by landslide rockslide
What does your own damage two wheeler insurance policy not cover?
When opting for an own damage two wheeler insurance policy, you must be aware of what benefits you’re missing out on. Let’s take a look at what this policy does 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
Third party Insurance
A third party insurance is mandatory according to law under the Motor Vehicles Act of 1988. The policy, as the name suggests, protects you against any expenses to treat or make repairs for a third party for damages caused by an accident involving your bike. It includes paying for treatment of injury to third party as well as damages to third party property. Riding on Indian roads without a Third-Party insurance is a criminal offence.
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
What is no claim bonus?
Some insurance agencies reward the insured for not making any claims during the tenure of the policy. If during the tenure of your policy, there have been no accidents or repairs and if you have made no claims, you may be eligible for a no claim bonus. However, not all insurance agencies offer no claim bonus. Make sure about this aspect before purchasing the insurance.
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 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
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