Buying a two wheeler insurance policy for your brand-new Kinetic scooter is simple, with every dealership offering protection along with the sale of your bike. However, with Liberty General Insurance, even insuring your old bike is just as convenient. All you need to do is visit the Liberty General Insurance website, and you can protect your two-wheeler in a few clicks.
Kinetic Engineering Limited was founded in 1972 by H.K. Firodia with a vision to transform the automobile industry. Kinetic launched the first indigenous Luna Moped in 1975. Kinetic sold scooters in collaboration with Honda Motor Company under the Kinetic Honda brand and later on under the Kinetic Motors brand. Today, KEL offers automotive components, both transmission and engine components, for export and domestic market.Read More
Why choose Liberty General Insurance for your Kinetic bikes?
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Top Kinetic bikes
Kinetic Motors made several two wheelers like the Blaze, Acquila, Comet, Flyte, but has now become a brand distributor for superbikes called Motoroyale Kinetic.
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your bike is inspected with ease
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Additional Protection Cover
Check our list of add-on policies
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Types of two wheeler insurance for Kinetic bikes
Liberty General Insurance offers two types of two wheeler insurance.
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. It covers damage due to the following:
- 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 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
What are the documents required to settle a claim?
You will be required to submit the following documents:
- Insurance policy number
- Contact details
- Date and time of the accident
- The bike’s vehicle number
- A detailed explanation of how the accident took place (in case the bike met with an accident)
- A copy of the FIR in case of a third-party liability
- An estimated cost of repair from the garage
- Copy of bills and receipts in case you have already made a payment
Should I buy third-party or comprehensive bike insurance?
Although third party insurance is mandatory, 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 Bajaj 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
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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