Hero MotoCorp is a multinational brand that is known to be the largest two-wheeler manufacturer in not only India, but in the world. With a whopping market share of 37.1% in the two-wheeler industry, it is safe to say that it is one of the most trusted brands in the country. One such produce that so many bikers choose to go for is the Hero XPulse, well-known for its sleek design and great pricing.
This bike is definitely a fantastic choice. However, before you take it out for a spin, it is very important for you to have your Hero XPulse two-wheeler insurance which provides sufficient coverage in case of any road accidents. The Motor Vehicles Act of 1988 makes it mandatory for every rider to have a basic third-party bike insurance plan in order to ride their two-wheelers on Indian roads. If you are covered by bike insurance yet, you can now get yours from IFFCO-Tokio.
Speaking of bike insurance, there are two main types of policies that you can go for. One is the third-party HeroXPulse two-wheeler insurance policy, which is made compulsory by the law. The second is the comprehensive HeroXPulse two-wheeler insurance policy that most bikers opt for given its additional coverage and customisable features. With IFFCO-Tokio, you can get your HeroXPulse two-wheeler insurance plan as per your budget and requirements.
Even if you are an excellent rider and have complete control on your bike, it is still possible to get into an accident. You can never control such situations, which is why it is necessary to have a bike insurance policy to cover you. A Hero XPulse two-wheeler insurance plan from IFFCO-Tokio will do just that.
You can choose to go for the basic third-party Hero XPulse bike insurance plan where you will receive financial coverage for your legal and financial liabilities for the damages faced by the third-party in case of an accident.
You can also go for a comprehensive Hero XPulse bike insurance plan where not just the third-party but even you will be covered for any loss/damage caused by natural or man-made calamities. This means that you will have financial protection from any damages caused by earthquakes, storms, robberies, and so on.
You can either visit any of the IFFCO-Tokio branches and get assistance in getting your Hero XPulse insurance. You can also get your Hero XPulse insurance from our website, which is much easier. With just a few clicks, you can buy your Hero XPulse two-wheeler insurance plan in a jiffy.
Here are the two ways of getting your Hero XPulse two-wheeler insurance plan from IFFCO-Tokio:
Visit any IFFCO-Tokio office and purchase your Hero XPulse insurance plan. One of the members at IFFCO-Tokio will assist you in getting one with all your needs.
You can also get your Hero XPulse insurance plan online. All you need to do is 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 XPulse insurance policy.
If you have opted for a comprehensive Hero XPulse bike insurance plan, you can customise your plan by including various add-ons.
After you are done choosing your preferred Hero XPulse insurance plan, the last thing to do is complete the payment on our secure website. Once you do this, your Hero XPulse insurance plan will immediately be sent to you via mail.
There are a lot of benefits in buying your Hero XPulse bike insurance plan online.
You can get done with the entire process of buying your policy with just a few clicks
You can buy your Hero XPulse insurance plan at any time you want
Since the entire process of buying the process is digital, you do not have to worry about lengthy documents
This would depend on whether you go for a third-party Hero XPulse insurance policy or a comprehensive insurance policy.
Here are some recommended add-ons that can widen the coverage of your Hero 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 XPulse 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 XPulse two-wheeler insurance policy.
Premium is the cost of your Hero XPulse 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 XPulse 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 XPulse insurance plan.
It’s simple! Just use our bike insurance premium calculator. This online tool allows you to check the premium of your Hero XPulse 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.
4300+ Network Garages
We provide cashless services in more than 4300 garages, which are evenly spread across the country.
Quick Claim Settlement
We offer a QCS facility under which bike insurance claims get settled seamlessly within minutes.
Trusted Brand
For 20 years, we have been servicing our customers with a wide range of insurance policies.
Claims Experience
We’ve settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 95.80%.
Award Winning Protection
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.
Wide Network of Branches
Our policies can be brought from more than 20,000 agents and branches having a wide presence throughout the country.
