- Cost-effectiveness - Customization and flexibility - Paperless and hassle-free H2: Types of 2 Wheeler Insurance Policies in India - Third-party liability policy - Comprehensive policy - Standalone own-damage policy H2: Steps to Download 2 Wheeler Insurance Policy Online - Visit the insurer's website or app - Enter your bike details and policy number - Verify your identity and policy details - Download or print your policy document H2: Things to Check Before Downloading 2 Wheeler Insurance Policy Online - Policy validity and expiry date - Policy coverage and exclusions - Policy premium and payment details - Policy terms and conditions H2: FAQs on Downloading 2 Wheeler Insurance Policy Online - Why do I need to download my 2 wheeler insurance policy online? - How can I access my 2 wheeler insurance policy online? - What if I lose my 2 wheeler insurance policy document? - How can I renew my 2 wheeler insurance policy online? - What are the advantages of renewing my 2 wheeler insurance policy online? Table 2: Article with HTML formatting How to Download 2 Wheeler Insurance Policy Online
If you own a bike, you must have a valid two-wheeler insurance policy as per the Motor Vehicles Act, 1988. A two-wheeler insurance policy provides financial protection to you and your bike in case of any mishap such as an accident, theft, fire, natural calamity, or third-party liability. It also covers the mandatory personal accident cover of Rs. 15 lakhs for the owner-driver of the bike.
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With the advancement of technology, buying and renewing a two-wheeler insurance policy has become very easy and convenient. You can do it online from the comfort of your home or office, without any paperwork or physical inspection. You can also download your two-wheeler insurance policy online from the insurer's website or app and access it anytime and anywhere.
In this article, we will tell you the benefits of buying two-wheeler insurance online, the types of two-wheeler insurance policies available in India, the steps to download your two-wheeler insurance policy online, and the things to check before downloading your policy document.
Benefits of Buying 2 Wheeler Insurance Online
Buying two-wheeler insurance online has many advantages over the traditional offline method. Some of them are:
Convenience and ease: You can buy or renew your two-wheeler insurance policy online at any time and from anywhere, without visiting any branch or agent. You just need an internet connection and a smartphone or computer.
Cost-effectiveness: You can save money by buying two-wheeler insurance online as you can compare different plans from various insurers and choose the one that suits your needs and budget. You can also avail discounts and offers from online platforms. Moreover, you can save on agent commissions and other operational costs.
Customization and flexibility: You can customize your two-wheeler insurance policy online as per your preferences and requirements. You can choose the type of policy, the sum insured, the add-on covers, the deductible, etc. You can also modify or cancel your policy online if needed.
Paperless and hassle-free: You don't need to fill any forms or submit any documents to buy or renew your two-wheeler insurance policy online. You just need to enter some basic details about your bike and yourself and make the payment online. You will receive your policy document instantly on your email or phone.
Types of 2 Wheeler Insurance Policies in India
In India, there are broadly three types of two-wheeler insurance policies that you can choose from:
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Third-party liability policy: This is the basic and mandatory type of two-wheeler insurance policy that covers only the legal liability arising out of bodily injury, death, or property damage caused to a third party by your bike. It does not cover any damage or loss to your own bike.
Comprehensive policy: This is the most comprehensive and recommended type of two-wheeler insurance policy that covers both third-party liability and own-damage. It provides coverage for any damage or loss to your bike due to accidents, theft, fire, natural calamities, vandalism, etc. It also covers the personal accident cover for the owner-driver and the optional cover for the pillion rider.
Standalone own-damage policy: This is a new type of two-wheeler insurance policy that covers only the own-damage part of the comprehensive policy. It is suitable for those who already have a third-party liability policy and want to enhance their coverage for their own bike. It can be bought from any insurer of your choice, irrespective of your third-party policy provider.
Steps to Download 2 Wheeler Insurance Policy Online
Downloading your two-wheeler insurance policy online is a simple and quick process. You just need to follow these steps:
Visit the insurer's website or app: Go to the official website or app of your two-wheeler insurance provider and log in with your credentials. If you don't have an account, you can create one by registering with your email or phone number.
Enter your bike details and policy number: Once you are logged in, go to the section where you can view or manage your policies. Enter your bike's registration number and your policy number and click on the search button.
Verify your identity and policy details: You may be asked to verify your identity by entering an OTP or answering some security questions. After that, you will be able to see your policy details such as the type of policy, the sum insured, the premium amount, the expiry date, etc.
Download or print your policy document: You will see an option to download or print your policy document in PDF format. You can choose either option as per your convenience and save or print your policy document for future reference.
Things to Check Before Downloading 2 Wheeler Insurance Policy Online
Before you download your two-wheeler insurance policy online, you should check some important things to ensure that your policy is valid and accurate. Some of them are:
Policy validity and expiry date: You should check the validity and expiry date of your policy and make sure that it is not expired or due for renewal. If it is expired or due for renewal, you should renew it online as soon as possible to avoid any penalty or lapse of coverage.
Policy coverage and exclusions: You should check the coverage and exclusions of your policy and make sure that it matches with your expectations and requirements. You should also check if you have opted for any add-on covers or riders that enhance your coverage. If you find any discrepancy or error in your policy document, you should contact your insurer immediately and get it rectified.
Policy premium and payment details: You should check the premium and payment details of your policy and make sure that you have paid the correct amount and on time. You should also check if you have received any discounts or offers from your insurer. If you have any queries or issues regarding your premium or payment, you should contact your insurer and get them resolved.
Policy terms and conditions: You should read the terms and conditions of your policy carefully and understand them well. You should also be aware of the claim process, the documents required, the claim settlement ratio, the customer service, etc. of your insurer. If you have any doubts or questions regarding your policy terms and conditions, you should contact your insurer and get them clarified.
FAQs on Downloading 2 Wheeler Insurance Policy Online
Here are some frequently asked questions on downloading two-wheeler insurance policy online:
Why do I need to download my 2 wheeler insurance policy online?You need to download your 2 wheeler insurance policy online because it is a proof of your insurance coverage and a legal document that you may need in case of any claim or dispute. It also helps you to access your policy details anytime and anywhere without carrying any physical copy.
How can I access my 2 wheeler insurance policy online?You can access your 2 wheeler insurance policy online by visiting the insurer's website or app and logging in with your credentials. You can also access it by scanning the QR code on your policy document or by using the e-Vahan Bima app that stores all your vehicle-related documents digitally.
What if I lose my 2 wheeler insurance policy document?br>If you lose your 2 wheeler insurance policy document, you don't need to worry as you can download it again from the insurer's website or app. You can also request a duplicate copy of your policy document from your insurer by paying a nominal fee.
How can I renew my 2 wheeler insurance policy online?You can renew your 2 wheeler insurance policy online by following the same steps as buying a new policy. You just need to enter your existing policy number and bike details and choose the type of policy and add-on covers that you want. You can then make the payment online and receive your renewed policy document on your email or phone.
What are the advantages of renewing my 2 wheeler insurance policy online?Some of the advantages of renewing your 2 wheeler insurance policy online are:
You can avoid any lapse of coverage or penalty by renewing your policy before the expiry date.
You can compare different plans and features from various insurers and choose the best one for your bike.
You can save money by availing discounts and offers from online platforms.
You can modify or upgrade your policy as per your changing needs and preferences.
You can get instant policy issuance and hassle-free claim settlement.
Conclusion
Downloading your 2 wheeler insurance policy online is a smart and convenient way to secure your bike and yourself from any unforeseen events. It not only saves your time and money but also gives you peace of mind and confidence while riding your bike. You should always keep a copy of your policy document handy and check its details regularly to ensure that it is valid and accurate. You should also renew your policy online before it expires to enjoy continuous coverage and benefits.
I hope this article has helped you understand how to download 2 wheeler insurance policy online. If you have any queries or feedback, please feel free to comment below. Thank you for reading! 44f88ac181