TVS is synonymous with the best scooters in business. If you just bought one, don’t forget to buy two wheeler insurance for your TVS two wheeler. Liberty General insurance (LGI) gives you the option to get a comprehensive two wheeler insurance policy.
TVS Motor Company is the third largest motorcycle manufacturer in India with its headquarters in Chennai. It has an annual sale of 3 million units, with an annual capacity of 4 million vehicles. The company is also responsible for exporting its products to over 60 countries, making it the second largest exporter in India. The TVS Motor Company Ltd. is the largest in the TVS group in terms of size and turnover.Read More
Why choose Liberty General Insurance for your TVS bikes?
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Top TVS two wheelers
TVS Apache RR310
This bike is known for its 310cc single cylinder, liquid-cooled, fuel-injected engine. The bike is capable of producing a maximum torque of 34bhp and 27Nm. Apache 310 comes with a 300mm front disc and a 240mm rear disc brakes with dual-channel ABS.
This 110 cc scooter is one of the most commonly found ones on Indian roads. It comes with a 109cc air-cooled single-cylinder engine that can churn a maximum torque of 7.8bhp and 8Nm. It is one of the top selling scooters from the TVS Motors stable.
TVS Scooty Zest
TVS Motors’ Scooty is one of the pioneering models of scooters in India. The scooter has gone through numerous transitions and has remained a favourite among commuters. The Zest model is an upgrade to the Scooty Pep Plus and Streak and comes with a 110 cc engine.
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Types of two wheeler insurance for TVS bikes
Liberty General Insurance offers two types of two wheeler insurances:
Own damage to two wheeler
This policy covers you against any financial liabilities arising out of damages caused to you and your two wheeler in case of an accident. It covers you against the theft of your two wheeler. Another thing that you will be protected against is the medical expense for treatment of your injury and expenses for repairing/ replacing parts of the two wheeler.
What does own damage to 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 one that covers you against financial liabilities for repair of damage caused to any third party. It includes repair of a third party vehicle or property damaged in an accident involving your bike. The policy also covers medical expenses for treatment of injuries caused to a third party. Under the Motor Vehicles Act of 1988, it is mandatory for every two wheeler owner to have a third party insurance, riding without which 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 are the documents required to get a two wheeler insurance?
If you are purchasing a two wheeler insurance policy online, you need not submit any documents. You need to enter details of the policyholder such as name, date of birth, gender, address and occupation. Apart from that you have to enter details of your driving license and registration certificate. You can swiftly make the payment of your premium online using Net Banking or credit/ debit cards. A copy of the policy will be sent to you by email. 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?
According to the Motor Vehicle Act of 1988, it is mandatory to have third-party insurance for your two wheeler. However, if you’re an owner of a bike, then we recommend that you opt for a comprehensive insurance policy. The comprehensive policy includes other covers for your bike, other than third party insurance.
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 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.
How to get bike insurance quotes?
To get online insurance quotes for two-wheeler you can visit the insurer website and use the instant quote generator. Getting quotes online for two wheeler insurance is simple; you just need to fill in the required fields, such as vehicle model, registration number, etc. Compare two wheeler insurance quotes online, before making a purchase to get the best deal on premium.
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