Renewing your Honda Activa insurance is essential for ensuring continuous protection against unexpected events such as accidents, theft, and natural disasters. With the increasing number of vehicles on the road, having up-to-date insurance provides financial security and peace of mind.
This guest post will walk you through the importance of insurance renewal, the types of policies available, and the steps to buy and renew your policy online. Stay informed and proactive to safeguard your Honda Activa effectively.
Why Insurance Renewal is Crucial?
Renewing your Honda Activa insurance is a legal necessity and a protective measure for your vehicle. Keeping your insurance active ensures you are always covered against potential damages and liabilities. The Activa insurance price varies depending on the type of policy and add-ons you choose, but the peace of mind it brings is invaluable.
Choosing the Right Insurance Plan
When insuring your Honda Activa, you have two primary options: third-party and comprehensive insurance. Third-party insurance is the most basic and affordable option, with prices starting from Rs. 700. It covers damages caused to other vehicles or property and injuries to third parties.
On the other hand, comprehensive insurance offers more extensive coverage, including own damages, third-party damages, and losses due to natural and man-made calamities, fire, and theft. The starting Activa insurance price for comprehensive insurance is around Rs. 2000, which can increase with the addition of various add-ons.
What’s Included and What’s Not
Understanding the inclusions and exclusions of your Honda Activa insurance policy is essential. The policy typically covers damages to third-party vehicles and property, third-party injuries caused by accidents, and damages due to natural calamities like earthquakes and floods.
It also includes coverage for man-made disasters such as riots, and damages or loss due to fire or theft. However, the policy does not cover normal wear and tear, mechanical or electrical breakdowns, damages while driving without a valid license, or damages due to driving under the influence of alcohol or drugs.
Enhancing Protection with Add-Ons
Consіder аddіng severаl types of coverаge to your іnsurаnce polіcy to mаxіmіze іts аdvаntаges.
- Zero Deprecіаtіon Coverаge: Ensures thаt you receive the full clаіm аmount wіthout deprecіаtіon deductіons.
- Emergency Roаdsіde Аssіstаnce: Provіdes аssіstаnce durіng breаkdowns, such аs towіng аnd fuel supply.
- Key Replаcement: Thіs covers the expense of replаcіng lost or stolen keys.
- Engіne Protectіon: Covers engіne repаіrs аnd replаcements.
These аdd-ons cаn consіderаbly іmprove your іnsurаnce coverаge аnd provіde you more peаce of mіnd.
Buying and Renewing Insurance Online
Purchasing and renewing Honda Activa insurance online is a simple process. To buy insurance, visit the insurer’s website, enter your bike details, select the plan and add-ons, get a quote, and make the payment. For renewals, the process is similar:
- Enter your bike details and previous policy information.
- Review and customize your policy.
- Get a renewal quote.
- Pay the premium online.
Keeping your policy updated ensures continuous protection and helps you avoid legal and financial hassles.
No Claim Bonus (NCB)
А two-wheeler polіcyholder receіves а No Clаіm Bonus (NCB) іf they did not submit аny claims durіng the precedіng іnsurаnce period. Thіs encourаges polіcyholders to hаndle smаll repаіrs themselves rаther of clаіmіng іnsurаnce, аs іt results іn а decreаse on their renewal rаte. Thіs NCB reductіon, which rаnges from 20% to 50%, аpplіes to the іnsurаnce plаn’s ‘Own Dаmаge Premіum’ component.
Filing an Insurance Claim
Filing an insurance claim is crucial in case of an accident or damage. Inform your insurer through their website, app, or helpline. Submit all necessary documents and evidence of the damage.
Have your Activa surveyed by an insurer-appointed surveyor. You can opt for a cashless repair at a network garage or a reimbursement claim at a garage of your choice. Required documents include a copy of the insurance policy, driver’s license, FIR, registration certificate, and an estimated bill from the garage.
Compared with Royal Enfield Insurance Renewal
While focusing on your Honda Activa insurance, it’s useful to compare it with Royal Enfield insurance renewal. The processes are similar but tailored to different bike types.
Royal Enfield insurance may include higher coverage options due to the bike’s value and potential add-ons like the touring cover, while Activa insurance price is generally lower due to the scooter’s cost but includes relevant add-ons for urban commuting needs.
Conclusion
Renewing your Honda Activa insurance is essential for maintaining continuous protection and legal compliance. By following the simple steps outlined above, you can ensure your vehicle remains covered and enjoy the peace of mind that comes with comprehensive insurance.
Whether it’s understanding the insurance price, utilizing the No Claim Bonus, or comparing it with insurance renewal, staying informed and proactive is vital in safeguarding your two-wheeler.
As the editor of the blog, She curate insightful content that sparks curiosity and fosters learning. With a passion for storytelling and a keen eye for detail, she strive to bring diverse perspectives and engaging narratives to readers, ensuring every piece informs, inspires, and enriches.
