Compare and choose the best two wheeler insurance

Compare and Choose the Best Two wheeler Insurance

Two wheeler insurance guarantee your safety and can be a life saver in times of need. Although there are many ways to buy the insurance, buying a two wheeler insurance in not that easy. With a plethora of options available in the market, one must consider many different factors before selecting the right policy. To help you choose the best-suited policy for yourself there are many third party insurance comparison sites comes into play. In online two wheeler comparison sites, you can compare various two wheeler insurance schemes and the benefits that each policy offers. You can also use the two wheeler insurance premium calculator to find the premium you need to pay for each policy offered by the different insurance policy.

While comparing, when you select the preferred insurance provider, then comparison engine projects some details like cashless network garages, third party cover, premium amount, exclusion and incurred claim ratio. Based on this information you can select an insurance policy that suits your requirements in the best way.

Besides this, there are some of the factors that you must consider while comparing two wheeler insurance policies online.

Types of two wheeler insurance

There are generally two types of insurance cover offered by two wheeler insurance policy. Liability only policy and comprehensive cover. Although having a two wheeler insurance is mandatory in India, it is more advisable to have a comprehensive plan as they provide bike insurance against all types of damages that may occur to your vehicle whether from man-made or natural resources. By comparing two wheeler insurance online you can easily decide on what type of cover you need and can also prefer to have liability only policy.

Add-on or Optional CoversAll insurance companies offer to add on or optional cover that helps to extend the 2 wheeler insurance policy cover beyond the basic policy. Some covers such as zero dep or nil depreciation are especially beneficial to have as they ensure the owner does not pay for the depreciation charges of any part. They only pay the service charges and taxes. All the rest of the costs are met by the insurance company and settled with the workshop or garage where the two-wheeler was repaired if the insurer offers cashless reimbursement.

Facilities and Features AvailableMost of the insurance company has become more consumers oriented as a one stop solution you can get various features and benefits while applying your claim process. For instance, most of the companies offer 24X7 assistance service to the consumer where they can clear their queries related to which policy to take, make a renewal claim, easy transfer of no claim bonus in case you are purchasing a new two wheeler and discount. Some companies also ensure the repair work done on your behalf so that you don’t have to follow up with the repair workshop.

Claim ProcessThe customer-centric insurance companies have simple claim process that ensures the owner, face no problem while filing the claim process. They help the insured to take the two-wheeler to the nearest authorized service center. A normal claim process involves few steps such as calling the insurance company to register the claim, filing an FIR in the police station in case of injury, or property damage or an accident and taking two-wheeler to the garage and submitting the

required document. In most of the comprehensive cover, the company bares all the expenses and the insured has to bare only the expense that is not covered under the policy.

Renewal ProcessThe online renewal process for two wheeler insurance is very easy and instant.

Online two wheeler renewals is a very easy process to follow. The companies that offer instant digitally signed policies are much better as you can simply print it from the site and keep among your RC and other necessary documents that need to be carried when you are riding your two-wheeler.

[Source: http://articles.abilogic.com/174060/compare-choose-best-twowheeler.html]