Two Wheeler Insurance in Dehradun

The city of Dehradun is known for its picturesque snow-laden mountains, lush green forests, and pleasant weather that together bring a sense of peace and calm. However, given its hilly terrain and popularity as a tourist destination, accidents can occur. It is always wise to be cautious rather than regretful. A good two-wheeler insurance plan can help protect your vehicle from unforeseen incidents.

Here’s why getting two-wheeler insurance in Dehradun is essential:

Third-party insurance is mandatory -

As per the Motor Vehicle Act 1988, third-party insurance is compulsory for all vehicles.

It protects your two-wheeler from accidental damage -

Insurance covers the financial risk of vehicle damage in case of accidents.

Provides personal accident cover -

You can opt for personal accident cover, which reimburses injuries caused by accidents. It is also a mandatory cover under a standalone policy, with certain conditions applied.

Multiple plans are available as per your requirements -

Earlier sellers had the monopoly. Today, the buyer is the king. You can choose the one that fits you the best among numerous policies.

Cost-Effective in the Long Run -

Paying a small yearly premium can save you from massive unexpected expenses in case of accidents or damages.

Below are the types of two-wheeler insurance in Dehradun:

Third-party bike insurance -

It is the most basic form of insurance and is mandatory under the Motor Vehicles Act of 1988. It covers financial liabilities arising from injuries to third-party individuals caused by your two-wheeler. This type of policy is typically the most affordable because it offers limited coverage.

Standalone Own-Damage insurance -

This insurance focuses solely on covering damages caused to your two-wheeler, offering flexibility to those who already have third-party insurance. It includes protection against accidents, theft, fire, and natural or man-made disasters. The coverage is subject to change as per the intermediary and the insurer, thus it is advisable to read it before buying any policy.

Comprehensive Two-wheeler insurance -

Comprehensive insurance provides extensive coverage, ensuring all-around protection for both third-party liabilities and damages to your motorcycle. It includes the benefits of third-party bike insurance by covering damages or injuries to third parties. Additionally, it protects your motorcycle against accidents, theft, fire, natural calamities (floods, earthquakes), and man-made events (riots, vandalism).

You can buy two-wheeler insurance online in Dehradun with the help of the steps below:

• Head over to Coverfox’s bike Insurance section.

• Enter your Motorcycle’s registration number.

• Click on the button “Bought a new bike?” to purchase a new insurance policy.

• Fill in the RTO registration details.

• Click on “Get Quotes”.

• You will be redirected to a page where you will be presented with different quotes from reputable insurance companies.

• Select the policy that best fits your needs.

• Pay online through the secure payment gateway.

• Your policy will be emailed to you at your registered address.

Renewing the two-wheeler insurance policy is very quick and easy with Coverfox with the help of the following steps:

• Head over to the Coverfox website’s bike insurance section.

• Enter your bike’s registration number in the field.

• Enter your previous insurance expiry details.

• Click on Get Quotes.

• You will be redirected to a page where you will be presented with different quotes from reputable insurance companies.

• Select the policy that best fits your needs.

• Pay online through the secure payment gateway.

• Your policy will be renewed and delivered to you by email to your registered address.

Filing a claim with Coverfox makes the process more seamless and hassle-free. You need to take the below actions to claim two-wheeler insurance in Dehradun:

1. Contact the insurer at your earliest to register the claim -

Delayed contact and communication between the claim applicant and the insurer might lead to repercussions thus it is advisable to contact the insurer at the earliest.

2. Lodge an FIR -

If your motorcycle has been stolen or it has been in an accident, it is necessary to file an FIR to speed up your claim process.

3. Damage evaluation by authorised garage or insurer agent -

It is preferred that the garage that you choose is authorised by the insurer’s company.

4. Settling claim via reimbursement -

Pay the service centre to initiate the claim process, fill out the relevant form and submit the required set of documents to ensure a quick intimation of the claim.

To reduce two-wheelers insurance premiums, you should consider the following factors:

• Digitally compare policies before you purchase.

• Evaluate add-on covers - Return to invoice cover, Engine protection cover, Zero depreciation cover, and many more might be helpful. Avoid unnecessary add-ons.

• Understand exclusions clearly - Know the exclusions, i.e. the conditions under which the insurer can reject your policy.

• Prefer cashless garage service - A policy with a cashless garage is a benefit which is additional to claiming a premium. It acts as an added benefit at no extra cost.

• Choose the correct IDV - Opting for a policy with a low IDV value can lower your premium but at the risk of undervaluing your asset and claim value.

• Renew on Time - Renewing your policy before it expires helps you avoid break-in inspections and retain your No Claim Bonus.

As we have been through the reason for buying a motorcycle insurance policy, choosing the correct IDV is the first step in purchasing your desired insurance coverage. The steps to buy an insurance policy are simple and quick. With a few clicks, you can purchase or renew it at your fingertips. If you're looking for Two-Wheeler Insurance in Dehradun, there are several plans for your specific needs.

Filing a claim is a tedious process, but we have made it simple for you with 4 easy steps. Lastly, tips to reduce your insurance premium are suggestions but the final decision rests on you. Compare policy → Understand IDVs → fill in your details → it's done.