Harley-Davidson is one of the most famous American motorcycle manufacturers. They’re known for their iconic bikes such as the Chopper and the Cruiser bikes, as well as their bike clubs that have existed around the world for a long time. Harley-Davidson was established in 1903 and were one of the first motorcycle manufacturers, their clients including the local police departments and the US Army. Harley-Davidson is one of the few companies to have survived the Great Depression of 1929. For more than a 100 years, Harley-Davidson has endured many ups and downs, but has managed to keep going strong.
Harley-Davidson entered the Indian two-wheeler market in 2010, and has managed to build a loyal consumer base who mostly consist of touring enthusiasts. You can go for any for any of their iconic bike models that they offer, or you can opt for the modern bikes that are also popular. At the same time, you should consider buying Harley-Davidson two-wheeler insurance, which has been made mandatory by the Motor Vehicles Act of 1988. It states that you have to own at least a basic third-party bike insurance in order to ride on Indian roads. With the help of IFFCO-Tokio, you can get the bike insurance policy that works the best for you.
When looking to buy a bike insurance, you have the option of buying a Harley-Davidson two-wheeler insurance, which is basic third-party insurance, or you can go for the comprehensive Hardly-Davidson two-wheeler insurance, which offers more features and is the preferred choice of most bikers. And at IFFCO-Tokio, you will be able to get the policy that suits your needs.
Being a bike owner brings a lot of responsibilities with it. But even with all the precaution that you can manage to take, accidents are something which are unpredictable. So it would benefit you to be prepared in such an event, by getting yourself Harley-Davidson two-wheeler insurance with the help of IFFCO-Tokio.
You can choose to buy Harley-Davidson bike insurance plan, which a basic third-party insurance that provides you financial coverage for your legal and financial liabilities for the damages that the third-party might face in an accident.
Or you can go for the comprehensive Harley-Davidson bike insurance plan, which gives financial coverage to you as well and not just the third-party. This means you are financially protected from any loss/damage that you may face due to any natural/manmade disaster.
You can buy yourself a Harley-Davidson insurance by either going to any of the IFFCO-Tokio offices, where you will be given the best assistance from the IFFCO-Tokio executive. Or you have the option of buying Harley-Davidson insurance online from the IFFCO-Tokio website. With just a few clicks, you will be the owner of your Harley-Davidson two-wheeler insurance in the matter of minutes.
The ways of buying your Harley-Davidson two-wheeler insurance are:
By visiting any of the IFFCO-Tokio branch located near you, where you will be assisted in buying a Harley-Davidson insurance as per your requirement.
Or by buying your Harley-Davidson insurance online in 3 easy steps-
Complete your login, provide your name, contact information, and bike details such as model and registration number. You will then be able to view all the Harley-Davidson insurance plans in detail.
You will get additional features and extra add-ons if you select the comprehensive Harley-Davidson bike insurance plan.
After you have customized the policy, finish the process by paying for your Harley-Davidson insurance, and you will receive your Harley-Davidson bike insurance plan via mail.
The benefits of buying your Harley-Davidson bike insurance plan are:
The entire process of buying insurance online is easy and not that lengthy and can be done in the shortest period of time.
There are no time restrictions of when you want to buy Harley-Davidson insurance.
Buying the policy online save your money of having too many physical copies of the required documents.
This would depend on whether you go for a third-party Harley-Davidson insurance policy or a comprehensive insurance policy.
Coverage under a third-party bike insurance policy
Coverage under a comprehensive bike insurance policy
A comprehensive Harley-Davidson insurance policy is considered to be the ideal choice for any policyholder. This is because this type of policy covers the third-party and also the policyholder. Here’s what the policy covers:
Widen the coverage of your Harley-Davidson bike insurance policy with our range of add-ons.
Zero-depreciation cover pays the entire claim amount without deducting depreciation value at the time of settling the claim.
This add-on keeps your no claim bonus safe even if you made a claim in the previous year.
If your vehicle is deemed a total loss, the add-on cover helps you get the original invoice price of the vehicle, including road tax and registration charges.
These are some of the standard exclusions of a bike insurance policy in India:
Types of bike insurance we provide:
Third-party insurance only covers any damage to a third party, including death, bodily harm, injury, and damage to a property in case of an accident or collision involving your bike.
Comprehensive bike insurance covers both third-party liabilities as well as own-damage to your bike. It also covers both natural and man-made calamities. These plans also allow you to include add-ons for a wider coverage!
You can also include the zero-depreciation cover to your comprehensive Harley-Davidson two-wheeler insurance policy. This will ensure that in case of an accident, you get complete reimbursement for part replacements without any deduction for depreciation. Great, isn’t it?
You should be aware of the following bike insurance terms before you buy the Harley-Davidson two-wheeler insurance policy.
Premium is the cost of your insurance plan which you pay to enjoy bike insurance coverage. It is usually payable annually, except for long-term plans, where it is usually paid once every 3 years.
The financial protection provided by your insurance policy is known as coverage. The coverage of a bike insurance policy will vary based on the insurance provider and the type of plan you purchase.
Add-ons are extra amounts of financial protection that you can purchase to widen the coverage of your Harley-Davidson bike insurance policy.
IDV stands for Insured Declared Value. It is the listing price of your bike minus depreciation. In case of a total loss or theft of your bike, IDV is the maximum compensation your insurance provider will offer.
NCB is a discount you get when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year. You can avail a maximum discount of 50% every year.
It’s simple! Just use our bike insurance premium calculator. This online tool allows you to check the premium of your Harley-Davidson two-wheeler insurance policy using some very basic information. To calculate the premium, you must provide the following details:
Our bike and scooter insurance plans are like an extension of your protective gear. They keep you safe, wherever the road might take you! From the headlight to the tail-lamp, we’ve got you covered!
We use innovation and technology to provide you quicker and more convenient insurance solutions. For example, your policy can be issued instantly through our distribution channels. You can also use our QCS (Quick Claim Settlement) App to accelerate your claim process and get up to Rs. 20,000 transferred to your bank account within a few minutes - all with just a few clicks on your smartphone.
With close to 20 years of experience in the insurance industry, we have settled more than 8 lakh claims (in FY19) with a settlement ratio of 95.80% (in FY21). This is just one of the reasons why 1,00,000+ individuals entrust us for their bike insurance needs.
We provide cashless services in more than 4300 garages, which are evenly spread across the country.
We offer a QCS facility under which bike insurance claims get settled seamlessly within minutes.
For 20 years, we have been servicing our customers with a wide range of insurance policies.
We’ve settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 95.80%.
IFFCO-Tokio won the 2019 IDC Digital Transformer Award for India for AI-based claim assessment of damaged vehicles, and the BFSI Digital Innovation Award by Express Computers, Indian Express Group.
Our policies can be brought from more than 20,000 agents and branches having a wide presence throughout the country.
Through our QCS app:
If you wish to make a claim for compensation, you can do so using our QCS (Quick Claim Settlement) app. All you have to do is upload related documents, photos, and videos of the damages you want to make a claim for. We will review the documents and other details uploaded by you and approve your claim (we have a claim settlement ratio of 95.80%). After this, the estimated amount for repairs will be sent to your bank account within minutes. Please note, for claims made through an application, the maximum claim amount will be Rs. 20,000.
You can register a claim for compensation online or by reaching us on 1800-103-5499. To make a claim online, you will have to log in with your registered Email ID and Password. When you log in, go to ‘make a claim’ option and follow the steps mentioned. If you register a claim over a call, our customer care executives will guide you with further procedure.
The add-ons on my IFFCO-Tokio comprehensive two-wheeler insurance plan are great.
Rated by: Deepak Parikh
IFFCO-Tokio provides great comprehensive insurance plans!
Rated by: Vaishali Kadam
IFFCO-Tokio has so many network garages so taking my bike insurance plan from them was a smart decision.
Rated by: Anjan Bhawalkar
I was looking for quotes on bike insurance policies and IFFCO-Tokio provided the best deal.
Rated by: Tapan Hinduja
I got my Honda Hornet insured by IFFCO-Tokio and I am very happy with my decision.
Rated by: Rohit Mehta