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Cashless claim settlement at authorised network garages across India
Reasonable cost for innovative coverage
Quick and pressure-free settlement of claims
Helpline for round the clock claim assistance
Cushion in opposition t changing rate of third party liability insurance premium (applicable for a long-term plan)
Any time online renewal facility (even after the date of expiry)
A complete package with the coverage for third party liability, coverage for own vehicle and accidental coverage for owner driver and the pillion rider.
Zero depreciation conceal: Normally, when you make a claim for the repair or replacement of vehicle, a phase of the compensation is paid only to the extent of depreciated value of the vehicle. This results in more out-of-pocket cost during the claim. Nil or zero depreciation conceal helps you to get the total settlement of the claim without factoring in the depreciation. Coverage is accessible up to three years from the commencement date of the policy.
Policy Exclusions
Wear and tear
Vehicle ageing
Mechanical or electrical breakdown
Consequential loss
Driving below the have an effect on of intoxifieng substances like alcohol and medicines
Driving without a valid driving license
Violating the usage guidelines by the vehicle manufacturer
Loss or damage due to intentional and deliberate act
Contractual liability
Damage or loss due to war or nuclear risk
Value Add-ons
Any loss or damage to your two wheeler due to manmade reasons like theft, burglary, riot, strike, malicious act, terrorist activity, accident by external means, damage during transit by road, rail, lift, inland waterway, air or elevator.
Any loss or damage to your two wheeler due to natural calamities like earthquake, explosion, fire, lightning, self-ignition, typhoon, flood, hurricane, inundation, tempest, hailstorm, cyclone, frost, rockslide and landslide.
Personal accidental conceal for owner driver worth Rs.1 lakh: It gives you a protection in the event of accident while driving. It compensates for the problem where in the insured bike rider mounts or dismounts from the vehicle while travelling. Coverage includes death of the insured and bodily injury suffered. Personal accidental conceal is also accessible for co-passenger as an optional feature.
Third party liability conceal: Every bike rider must have this conceal as its compulsory by Indian law as per the Motor Vehicle Act, 1988. This particular conceal protects you in opposition t your legal liability towards third party in an accident. If the accident occurs and you are found to be guilty, then the third party can claim for the loss or damage. Coverage includes bodily injury or death of the third party and damage caused to third party property.
Long term Two wheeler Insurance
Hero Corporate Service Private Limited-insurance distribution is a leading usual insurance service provider in India. It has started its operation in 2004. Products and services are uncomplicated to reach with the ultra-modern expertise. Its majorly known to be one of the biggest two wheeler insurance intermediaries in India. HCSL offers three hundred and sixty five days and two year comprehensive policy for two wheeler insurance seekers. It also provides long term two wheeler insurance plans for 3 years with range of benefits for all kinds of two wheeler brands.
A GUIDE TO HCSL INSURANCE
Return to Invoice conceal: A gap between the original invoice value and the insured declared value of your two wheeler is covered the next. This rider offered by HCSL insurance gives you a protection in opposition t a total loss suffered by your bike. If the two wheeler gets stolen or totally damaged in an accident, you can claim a compensation for the financial loss.
Here are some of the riders or add-ons to enhance the coverage. These riders are accessible at a nominal added premium.
Salient Features of HCSL Two wheeler Insurance
HCSL offers long term insurance plan of 3 years for your bike. This reduces the trouble of renewing the policy every year. It also gives gain of retaining the third party insurance premium phase unchanged for the policy term. It offers you to make subsequent renewals with no claim bonus discount. If there is any claim, you won't completely loose the no claim bonus as the policy offers proportional refund.
