By logical dot 
Two wheelers are the lifeline to millions across India. Low-cost and convenience of travel correspond to riding through the crowded lanes of a metro city or just leisurely moving through the countryside; your two-wheeler is much more than just any vehicle. In fact, it is nearly your companion, meaning a lot in your daily routine. It would thus be immensely important for the reason that the insurance protects it. That is what two-wheeler insurance does, and when it comes to finding some of the best policies, then Aapka Policy Wala is definitely the one.
What is Two Wheeler Insurance?
It’s a policy that enforces financial coverage against damages to your vehicle and any third-party liabilities arising out of an accident caused by your two-wheeler. At the very least, basic insurance coverage for two-wheelers is mandated by law in India, although more enhanced coverage options have also become available in recent years.
Broadly speaking, there are two types of insurance plans for two-wheelers:
Third-Party Liability Insurance: This is the most basic form of insurance and covers the legal liabilities that come with an accident involving your vehicle, with injuries, deaths, and/or damages to the property of a third party.
Having a comprehensive type, on the other hand, will put one at ease with a more relaxed environment: such a policy will also involve third-party liability, protection of one’s vehicle from theft, vandalism, natural calamities, accidents, and more.
Why is Two Wheeler Insurance Important?
It is often said that two-wheeler insurance cannot be overstated. Here is why it is essential:
Legal Requirement: Under the Motor Vehicles Act, 1988, it has been made compulsory that all owners of two-wheeler vehicles shall compulsorily purchase at least a third-party liability cover; otherwise, hefty fines and lots of legal hassles go with it.
Financial Security: Accidents can prove to be pretty expensive. Repairs, treatment, and even related litigation costs pile up very quickly. Having insurance ensures that you do not need to bear a major share of these expenses.
Riding with Confidence: You will feel at ease if you know you are insured for your two wheels. All the financial issues that come with any misfortunate event will be taken care of by your insurance, guaranteeing you peace of mind.
Protection Against Theft/Damage: In-depth policies cover loss or damage to your two-wheeler due to theft, acts of God, and accidents. This provides safeguarding extra layer.
Types of Two-Wheeler Insurance Coverage
Knowing the types of coverage available is of utmost importance for the selection process. Here are the principal types of coverage you can choose from:
Third Party Liability Insurance: As described above, it is the most basic insurance with the least premium but covers third-party legal liabilities in case of damage to a third party and his property. No damages to the owner’s own vehicle are covered under it.
Comprehensive: One covering third-party liabilities and damages to own vehicle. Such insurance is recommended only to those who want complete peace of mind.
Personal Accident Cover: It normally is part of comprehensive policies and involves a financial compensation requirement in the event a rider is injured or dies as the result of an accident.
Zero Depreciation Cover: This will mean getting the full value of the parts being replaced without any deduction for depreciation. The actual benefit it provides is in new bikes.
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Roadside Assistance: Very few policies come with this added rider. Roadside assistance covers costs for towing, fuel delivery, minor repairs, and more in the event of a vehicle breakdown.
Engine Protection: This rider covers the repair of the engine that is subject to flooding or ingression of water, which otherwise is not provided in the scope of a comprehensive policy.
Get the Right Cover for Your Two-Wheeler with Aapkapolicywala.com
And with the ocean of such great insurance policies available in the market, one often gets perplexed as to which one to go for. It’s even easier to do with a website such as aapkapolicywala.com, trying to consolidate all in one, giving you a one-stop-shop opportunity to compare each and every policy with all available insurers to take your pick suitably according to needs and pocket.
Here is how Aapkapolicywala.com can help you:
Compare It Tools: Aapkapolicywala.com has an integrated richness in the compare it tools to enlighten you to compare premium, coverage and policy features so that you avail the best deal without hopping on different websites.
Professional Suggestions: Advice from experts on choosing the right policy for you, more than just a pocket-friendly plan or a comprehensive policy with many add-ons. These experts are there to guide you in your decision making from the very start.
Personalized Options: Aapkapolicywala.com brings to you customized solutions of insurance, letting you choose as per your needs from the add-ons and cover levels.
Buying a policy through Aapkapolicywala.com is very fast and hassle-free. Everything is settled in a few clicks after you decide on your policy through us.
Renewal Reminders: Just as important as purchasing the policy is its renewal. Aapkapolicywala.com eases timely reminders for the renewal exercise so that your policy stays alive at all times, and you stay protected.
Claim Support: In the unhappy case you must make a claim; Aapkapolicywala.com provides claim support services to help you through a hassle-free settlement process.
Things to Be Considered While Buying Two Wheeler Insurance
The key factors to be considered while buying the most appropriate two-wheeler insurance are as follows:
Needs of Coverage: You will have to decide what kind of coverage you need depending on the usage. In case you cover high-traffic riding most of the time, then comprehensive coverage with personal accident cover will be most suitable.
Premium Cost: Compare the premiums amidst various insurers; never go for that which offers the lowest premium as it may or may not be the best one under all circumstances. One should always look for the coverage and the benefits provided against the premium cost.
Add-on Covers: Identify the add-on covers you may need as there are some products, like zero depreciation or road side assistance, which could be quite handy in some situations.
Reputation of the Insurer: Nowhere the least, always look at the reputation of the Insurance company based on its previous Claim Settlement Ratio and Customer Reviews available with them.
Exclusion in a Policy: Do not forget to read the fine print and know where your policy excludes its coverage. This shall help keep you from getting any surprises that may come up when you need to make a claim.
How to Buy Two Wheeler Insurance on Aapkapolicywala.com
The process of buying two-wheeler insurance from Aapkapolicywala.com is pretty seamless. Below is a step-by-step guide:
Visit Aapkapolicywala.com : First, visit the web site. It will land you on the home page, from where you go further on to the two-wheeler insurance page.
Fill Your Details : You would be required to fill in some basic details of your two-wheeler, like the make, model, manufacturing year, and registration details.
Compare Policies : You can view a list of policies available from several insurers through the portal and compare them if they are of coverage, premium, and additional facilities.
Choose Policy : Tap policy in case it suits your needs to get details. If you are satisfied with it, go ahead, and buy it.
Make Payment: A totally secured payment process, and too convenient. One can pay through Credit/Debit Cards, Net Banking, or UPI.
Receive Policy Document: The status of your payment updated, you get the policy document in your email. You are to keep a soft copy in your mobile phone and its hard copy in your vehicle.
Renewal of Your Two Wheeler Insurance
Renewal of two-wheeler insurance is important. It does not lapse, however, if not renewed. There could be financial as well as legal liabilities when it comes to renewal of your bike insurance. The following are the few steps involved in renewing your insurance through Aapkapolicywala.com:
Step 1—Log In to Your Account: Open any browser window, visit the website of Aapkapolicywala.com, log in using your credential.
Click on Renewal Select the policy you wish to Renew.
Details Review: Check over the information in the existing policy prior to Renewal. This is also a good time to review any additional coverage that may be necessary
Pay: Renewal premium can be paid through any of the above options.
Renewal Confirmation Receipt: Payment will also send an email that will have a receipt showing the renewal and the renewed policy document.
How to Raise a Claim with Aapkapolicywala.com
If your two-wheeler meets with an accident or gets damaged in any way, you will be obliged to necessarily lodge a claim to recover the extent of your financial loss. Here’s how Aapkapolicywala.com makes it easier:
File Incident Report: When the contingency happens, it should be reported to the insurance company immediately through Aapkapolicywala.com. It can be done by accessing online or through customer services.
Damage Documentation: Photograph the damage and prepare other necessary documents, such as FIR in case of theft or major accidents.
Submitting Claims: A claim form provided by Aapkapolicywala.com. has to be filled out and filed with all the necessary documents.
Inspection and Assessment: The loss would be assessed at your doorsteps by an inspector instructed by the insurance company. Will track the status of it constantly at aapkapolicywala.com.
Claim Settlement: The Inspection Work is done, and immediately after that, the insurance company settles the claim and makes the payment. It is our responsibility to ensure the entire process remains transparent and smooth.