Insurance is the utmost significant requirement of each and every individual. Whether you are travelling or if you require a medical treatment, insurance is necessary. In this article we will discuss about Harley Davidson Insurance. The two wheeler insurance also secures the person taking this insurance.
In this article we will discuss about the concept, benefits, inclusions, exclusions, types of two wheeler insurance that is necessary before applying for the insurance.
concept of harley davidson insurance
Harley-Davidson bikes are extraordinary. Their looks, feel and overall riding experience is great. . If you are thinking of buying a Harley-Davidson bike or already have one, then do consider insuring it with a wide-ranging Harley-Davidson two-wheeler Insurance plan.
When you are looking to buy a two-wheeler insurance you have the option of harley-davidson two wheeler insurance which is at basic a third party insurance and when you will opt for comprehensive two wheeler insurance then it will offer more features to you as it will fully protect all the parties in comprehensive insurance.
what is the need of harley davidson insurance-
Being a biker and having craze to ride a bike might seem very interesting and adventorous but in the long run it comes with certain uneven and unpredictable losses. A security is always necessary to meet with uneven accidents and to protect yourself from these you need an insurance that will provide you security and will also save you from future losses.
You can choose to buy Harley-Davidson bike insurance plan, which a basic third-party insurance that provides you financial coverage for your legal and financial liabilities for the damages that the third-party might face in an accident.
If you need more coverage then you can simply opt for comprehemsive Harley-Davidson bike insurance plan that will provide you third party protection and will cover you as well and not just the third-party. This means that you are safe from any manmade or natural disasters.
Benefits of Buying Online Two wheeler Insurance for Harley Davidson Bikes-:
Just imagine that today’s era has become techy and each and everything now happens online that has eliminated the paperwork and tradditional methods which were time taking and consisted of lots of paperwork and documentation. But now with the rapid changes applying for two wheeler insurance has become as simple as purchasing groceries from online store.
We will discuss the benefits of which facilitated people to take insurance easily that are as follows:
say no to paperwork
When you apply for bike insurance for Harley-Davidson you have to fill out an online aplication form online and apply for it as per your convenience of sitting at home or at any other place, The paperwork and all the documentation is done online tha elminates the complex tasks and also saves the travelling time and money of the people.
total Convenience
The customer support service is present 24/7 to assist you with any types of queries that you have. During weekends also if you want to apply for the two wheeler insurance or comprehensive plan then also you can apply for it that has been a very convenient way for the people applying for it.
easy on the wallet
Usually online bike insurance is less expensive than offline policies. This is because in offline way operational costs are are there and also the travelling expense is there. The insured need to travel from one place to another that takes his time and money both. Therefore, by the online way the pressure on the wallet of client reduces.
types of bike insurances for harley davidson bike–
There are primarily two types of bike inurances in the case of Harley Davidson bike insurance that are as follows:
third party liability policy
It is a basic plan in which the third party is insured if accident occurs. In this plan you are against liabilities arising due to injuring a third party or damaging their property with your bike. But in this plan your two wheeler is not insured. So for this an alternative option is also there that we will discuss in next point.
comprehensive cover
This plan covers comprehensively all the parties including your two wheeler also. Comprehensive bike insurance covers damages to bikes loss and damage caused by manmade activities like burglary, theft, riots etc.
Loss of your bike caused by natural calamities such as earthquakes, floods, tsunamis, hurricanes, thunderstorms, and so on it covers comprehensively each and everything that is damaged by any calamity ot accident.
inclusions in two wheeler bike insurance [harley davidson]
Following are the basic inclusions :-
- Compulsory third party liability plan.
- Basic covers against the accidental coverage to the bike.
- Covers against theft
- Coverage against calamities
- Coverage due to fire
- Coverage against manmade disasters
- Cover as per choosen add on plans
Exclusions in two wheeler bike insurance [harley davidson]
Following are the basic exclusions:-
- There is no cover for the expired policy.
- There is no cover if the accident occurs due to violation of traffic rules.
- There is no cover of riding without a driving license.
- There is no cover if you are driving under the influence of alcohol.
- There is no cover for consequential damages unless satisfied by it.
faq’s[frequently asked questions]
Can I skip insuring my bike after the expiration of my first policy?
Ans: Riding an uninsured bike on public road is an legal braechment and it is a punishable offence therefore you must renew your bike policy after it expires for the safety of yourself and mankind.
Do I have to upload any documents to insure my bike from online platforms?
Ans: The documents that are required and are mandatory must be uploaded by you on the platforms as and when needed.
Can I renew my bike insurance policy one day before the expiry date?
Ans: Yes, you can renew your policy befiore the expiry date, however it is advised to tke the renewal after the expiry date so as to clearly understand all the process and requirements.
Do I have to pay extra for add-on’s?
Ans: Yes, each add on must be paid seperately unless you are getting them under a package.
