Hero MotoCorp is one of the most known brands in the two-wheeler industry. If you are a bike fanatic, it is very likely that you have come across and thought of buying a Hero bike. The brand is well-known for producing trusted bikes that have great features. One such bike is the Hero Destini, which many bikers are currently raging about.
If you opt to go for this bike, it is definitely a great choice. However, before you take this bike out for a road trip, please note that it is important for you to have a Hero Destini two-wheeler insurance policy. This is a mandatory rule by the Motor Vehicles Act of 1988, which states that any rider needs to have a basic third-party bike insurance policy before riding on Indian roads. If you have not got your insurance policy yet, you can get one from IFFCO-Tokio.
Now, there are two main types of bike insurance policies. The first is a third-party Hero Destini two-wheeler insurance policy that is mandated by law. The second is a comprehensive Hero Destini two-wheeler insurance policy that many riders choose to opt for, thanks to the additional protection this plan provides. IFFCO-Tokio can provide a bike insurance policy that suits your budget and coverage needs.
You might be quite confident of your control on your bike. However, you can never be sure of how unpredictable others on the roads can be. Accidents are a part and parcel of everyday life, which is why you should always have the coverage of a bike insurance policy. This is why you should get your Hero Destini insurance plan from IFFCO-Tokio and receive the financial protection that you need.
It is mandated by law to have a basic third-party Hero Destini bike insurance plan so that you are covered for legal and financial liabilities for any damages that a third-party incurs in the case of an accident.
Many riders opt for a comprehensive Hero Destini bike insurance policy. This is because such a policy brings financial coverage for not only the damages caused to the third-party in case of any accident, but also the riders themselves. Such a policy covers them in cases of both natural as well as man-made calamities, such as floods, earthquakes, thefts, etc.
You can get your Hero Destini insurance both offline as well as online. You have the convenience of choosing one of both ways to get your Hero Destini insurance. IFFCO-Tokio has made it really simple for you in order to get your Hero Destini two-wheeler insurance policy as soon as you can.
Here are the two of the following ways in which you can get your Hero Destini two-wheeler insurance plan from IFFCO-Tokio:
Go to any of the IFFCO-Tokio offices and buy your Hero Destini insurance policy. One of our representatives will assist you in getting your policy.
You can get your Hero Destini insurance plan online too. You just need to follow these 3 easy steps
Go to our website, fill up your name and mobile number. After this, fill in the details about your bike regarding its model and registration number. You will then be able to view all the add-ons that are available with the Hero Destini insurance policy.
You can also make customisations to your Hero Destini insurance policy and include add-ons.
After choosing your Hero Destini insurance plan, the final thing to do is to complete the payment on the website. After this, your Hero Destini insurance policy would be sent to you via mail.
There are numerous benefits of buying your Hero bike insurance plan online. Read on:
You can buy the policy in just a few clicks
Buy your Hero Destini insurance plan at any suitable time
The entire process of buying the policy is digital, which means no lengthy documentation
This would depend on whether you go for a third-party Hero Destini insurance policy or a comprehensive insurance policy.
Coverage under a third-party bike insurance policy
Coverage under a comprehensive bike insurance policy
A comprehensive Hero Destini 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:
Here are some recommended add-ons that can widen the coverage of your Hero Destini bike insurance policy.
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 Hero Destini 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 Hero Destini two-wheeler insurance policy.
Premium is the cost of your Hero Destini insurance policy. It is the amount you have to pay to enjoy bike insurance coverage. It is usually payable annually, except for the case of 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 Hero Destini 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% year after year for not making any claims against your Hero Destini insurance plan.
It’s simple! Just use our bike insurance premium calculator. This online tool allows you to check the premium of your Hero Destini 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. We have also won the BFSI Digital Innovation Award by Express Computers, Indian Express Group, as well as the Digital Insurer of the Year 2019 by Insurance Asia News Awards for Excellence.
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.
Reliable coverage, hassle-free claims process
Rated by: Suman Bijlani
It’s been 3 years I have got the two wheeler insurance policy from IFFCO Tokio and it is extremely good.
Rated by: Kantilal Gala
Affordable premiums and comprehensive protection for my bike
Rated by: Adil Chinoy
Thank you IFFCO Tokio for your great help and assistance.
Rated by: Madhukar Chavan
I have taken my bike insurance from IFFCO Tokio
Rated by: Baban Shingade