Honda is a Japanese automobile manufacturer who specializes in making powerful and durable vehicles across multiple segments. It is headquartered in Tokyo with Toshiaki Mikoshiba as its global chairman. Honda is often considered as one of Japan big-four companies, who are always competing to be their country’s best.
Currently, Honda has two-wheelers for almost every segment in the market. It offers a plethora of litre-class supersport motorcycles, right down to minimalistic scooters. Its two-wheelers are majorly preferred and appreciated for their reliability, durability and performance. The company also manufactures engines for various other automobiles such as jet skis, private jets and all-terrain vehicles (ATVs).Read More
Why choose Liberty General Insurance for your Honda bikes?
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Top Honda bikes
The ever popular two wheeler that gets you round in no time. The Activa is a popular two wheeler in both large and small cities. The 2018 Honda Activa 5G comes with subtle changes to its design with all-LED headlamp with a position lamp along with new color options and minor changes to its styling.
Honda SP 125
The SP 125 is the second two wheeler from HMSI to be BS6-compliant, after the launch of the new Honda Activa 125, and the first motorcycle. The new Honda SP 125 not only gets a new fuel-injected 124 cc engine but also gets a long list of new features to justify the 'new and improved' tag.
Honda CB Shine
The bike is powered by a 124.7cc single cylinder air-cooled Honda Eco Technology (HET) engine which manages to churn out 10.16bhp and 10.30Nm of torque.
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Types of two wheeler insurance for Honda bikes
Liberty General Insurance offers two types of two wheeler insurance.
Own damage to two wheeler
Under the own damage to two wheeler insurance policy, you are covered for any financial liabilities or repair of your two wheeler as well as your medical treatment. The policy also covers theft of your bike. All expenses for repair of your Honda two wheeler, replacing parts of the vehicle, and other work for your two wheeler is taken care of by LGI. We will also look after the medical expenses for your treatment if you get injured in an accident.
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 in India under the Motor Vehicles Act of 1988. It is a criminal offence to ride without this policy. The policy protects you against expenses that arise when a third party is affected by an accident involving your bike. So any expenses for repairing a third party vehicle or property affected by an accident involving your Honda two wheeler is borne by LGI. Expenses for medical treatment of third party injured in the accident is also borne by Liberty General Insurance.
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
How do I pay my premium for new insurance policy for my two-wheeler?
The easiest way to pay your premium is to do it online. LGI lets you pay your premium at the convenience of your home in a few simple steps. You can use your Credit Card, Debit Card or Net Banking to make the payment. You can also visit the nearest branch office of LGI if you wish to make the payment in person. With online option, you can save time and even get the soft copy delivered to your email, thereby allowing you to contribute to the Go-Green initiative. You can get further details about this process for purchasing a new insurance policy with Liberty General Insurance here. Once your policy period is about to expire, you can choose to renew the same as per details available here.
Should I make a claim for every accident (even if it is minor)?
It depends on the level of damage done to your two-wheeler. If the damage is insignificant, you choose to let it slide. Doing so will make you eligible for No-Claim Bonus. This gives you discounts on your premium. Judge the situation based on your need.
What things should I consider while renewing my insurance policy?
You can renew your insurance policy online with Liberty General Insurance by visiting our website. While renewing the policy, you need to consider the add-on insurance policies for better protection cover inclusive of depreciation cover, roadside assistance cover, consumable cover, engine safe cover, GAP value cover, etc. After the policy is renewed, you will get a soft copy of the same.
What are the factors that affect two wheeler insurance?
Factors that determine two wheeler insurance premiums 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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