Hero Hf Deluxe Insurance

Hero HF Deluxe is one of the most affordable bikes offered by Hero. It is a comfortable bike that is available in 5 variants. The bike comes with a 97.2 cc air-cooled engine with ‘Xsens’ technology that ensures better fuel efficiency as well as better acceleration. It has a fuel tank of 9.6 L and comes with drum brakes in the front and rear. With tubeless tyres and alloy wheels, the bike offers a fair performance. The bike has a fairly conventional design. If you are looking for an affordable bike and have fuel efficiency as your priority, then it is a good choice.

In India, it is mandatory to have at least a third party bike insurance plan as per the Indian Motor Tariff. If you get caught travelling without one, then you will have to pay a fine of Rs. 2,000 and/or will be imprisoned for up to 3 months. Getting a third party bike insurance policy not only saves you from being punished, but also covers you for financial liabilities towards a third party if your bike gets involved in an unfortunate event. So, it is a wise decision to buy a third party bike insurance plan and renew it from time to time before it gets expired.

Benefits of Buying Hero HF Deluxe Bike Insurance from InsuranceDekho

Purchasing your Hero HF Deluxe bike insurance through InsuranceDekho offers several advantages that can enhance your insurance buying and managing experience. Here are some key benefits:

1. Wide Range of Choices: InsuranceDekho collaborates with various insurers, providing a broad spectrum of insurance options. This allows you to compare different policies and select one that best suits your requirements and budget.
2. Easy and Convenient Process: The entire process of selecting and buying insurance on InsuranceDekho is online, which saves time and offers convenience. You can complete the process from anywhere, without the need for physical visits to an insurance office.
3. Tailored Insurance Solutions: You have the flexibility to customize your insurance policy based on your specific needs. Whether it's opting for comprehensive coverage, adding specific riders, or adjusting the Insured Declared Value (IDV), InsuranceDekho provides the options you need.
4. Instant Policy Issuance: Once you have selected your insurance plan and completed the payment, your policy is issued instantly. The digital copy of the policy is sent to your email, ensuring immediate coverage.
5. Expert Assistance: InsuranceDekho offers expert guidance to help you make informed decisions. If you have questions or need advice, their team is available to assist you.
6. Transparent Process: The platform operates with complete transparency. There are no hidden costs or charges, and the details about premiums and coverage are clearly presented.
7. User-Friendly Interface: InsuranceDekho’s website is designed to be intuitive and easy to navigate, making it accessible even for those who are not tech-savvy.

By choosing InsuranceDekho for your Hero HF Deluxe bike insurance, you get a hassle-free, transparent, and informed insurance buying experience, ensuring that your bike is adequately protected according to your needs.

Types of Insurance Plans Available for Hero HF Deluxe

1. Third Party Bike Insurance Policy: Third party bike insurance policy is mandatory in India. It covers you for third party liabilities incurred due to injury, death, and property damage. The property damage cover can be availed for up to Rs. 1 lakh.
2. Standalone Own-Damage Bike Insurance Plan: Standalone own-damage plan offers cover for the damages sustained by your bike in the event of an accident or any other mishappening.
3. Comprehensive Bike Insurance Plan: A comprehensive bike insurance plan covers you for third party liabilities as well as your own damages sustained by your bike in an unfortunate event.

What is Covered in Hero HF Deluxe Bike Insurance?

Insurance for the Hero HF Deluxe bike typically includes a range of coverage options to protect against various risks. The scope of coverage generally encompasses the following:

1. Accidental Damage: Coverage for damages to your Hero HF Deluxe resulting from accidents, ensuring repairs or replacement costs are covered.
2. Natural Disasters: Protection against natural calamities like floods, earthquakes, and storms, which can cause significant damage to the bike.
3. Man-Made Disasters: This includes damages due to riots, theft, vandalism, and other man-made events.
4. Third-Party Liability: Covers legal liabilities arising due to injuries or damages caused to a third party or their property by your bike.
5. Personal Accident Cover: Provides a safety net in the unfortunate event of injury or death of the rider while using the bike.
6. Engine Protection: As an optional add-on, it covers damage to the engine, which can be crucial for bikes like the Hero HF Deluxe, especially in areas prone to waterlogging.
7. Roadside Assistance: Another add-on, this feature offers assistance services like towing, fuel delivery, and minor on-site repairs in case of breakdowns or emergencies.

The exact coverage details can vary based on the policy type (third-party or comprehensive) and the insurer’s specific offerings. It's advisable to review the policy document for precise coverage information.

What is Not Covered in Hero HF Deluxe Bike Insurance?

When it comes to insurance for the Hero HF Deluxe, there are certain standard exclusions that policyholders need to be aware of. These typically include:

1. General Wear and Tear: The natural aging and regular wear and tear of the bike, including depreciation, is not covered under the policy.
2. Mechanical or Electrical Breakdowns: Failures due to mechanical or electrical malfunctions that are not a result of an insured event are excluded from coverage.
3. Damages Under Influence: Any damage caused while the rider is under the influence of alcohol or drugs is not covered by the insurance.
4. Riding Without a Valid License: If the bike is being ridden by someone without a valid driving license at the time of the incident, the damages incurred will not be covered.
5. Illegal Use: Damages occurring while using the bike for unlawful activities or for purposes not covered under the policy, such as racing or commercial use, are excluded.
6. Unauthorized Modifications: Modifications made to the bike without the insurer’s knowledge or approval, especially those that may affect its performance or risk profile, can lead to claim rejection.
7. War and Nuclear Risks: Events like war, nuclear risks, and related scenarios are typically not covered under standard bike insurance policies.

Being aware of these exclusions is essential for Hero HF Deluxe owners to ensure that their expectations align with the realities of their insurance coverage. This knowledge also helps in taking the necessary precautions to maintain valid and effective coverage.

How to Buy Insurance for Hero HF Deluxe from InsuranceDekho

Purchasing insurance for Hero HF Deluxe bikes from InsuranceDekho is a hassle-free process. You can purchase the policy within a few minutes by following a few easy steps given below:

Step 1: Visit the official website InsuranceDekho.

Step 2: Select ‘Bike’ and enter your bike’s number in the space given in the ‘Get Your Quote’ section. If you don’t remember your bike’s number, then please enter other details like its brand, model, fuel type, variant, registration year, etc. and proceed.

Step 3: To view bike insurance quotes, enter your personal details like Name and Mobile Number.

Step 4: Select the most suitable bike insurance policy from various quotes displayed for your Hero HF Deluxe bike as per your requirements and budget.

Step 5: Pay online for the selected policy. You will receive the policy document via email.

How to Renew Insurance for Hero HF Deluxe Bike from InsuranceDekho?

Renewing your Hero HF Deluxe bike insurance through InsuranceDekho is a straightforward process, ensuring your bike remains protected without any coverage gaps. Here's how you can accomplish this:

1. Visit InsuranceDekho: Start by navigating to the InsuranceDekho website. This online platform is designed for ease of use, making insurance transactions smooth and hassle-free.
2. Log Into Your Account: If you already have an account with InsuranceDekho, sign in using your credentials. If not, you might need to register using your bike's details and existing policy information.
3. Access Your Dashboard: Once logged in, go to your account dashboard. Here, you'll find a list of your policies, including your Hero HF Deluxe bike insurance.
4. Select Renewal Option: Locate your current Hero HF Deluxe insurance policy and choose the renewal option. This is usually clearly indicated near your policy details.
5. Review and Update Policy Details: Before proceeding, review your policy for any necessary changes or updates. Consider if you need to add new add-ons, adjust the Insured Declared Value (IDV), or update personal details.
6. Compare and Choose Plans: InsuranceDekho allows you to compare various plans and insurers. Take this opportunity to see if there's a more advantageous plan available for your Hero HF Deluxe.
7. Proceed to Payment: Once you’ve finalized the plan and confirmed the renewal details, proceed with the payment process. Payment can typically be made online via various secure methods.
8. Download the Renewed Policy: After the payment is processed, you can download the updated policy document directly from the website.
9. Customer Support: Should you face any issues or have any queries during the process, InsuranceDekho’s customer support team can provide assistance.

Renewing your bike insurance on time through InsuranceDekho not only ensures continuous protection but also keeps you legally compliant on the road.

Hero HF Deluxe Bike Insurance Claim Process

Cashless Bike Insurance Process

The process of cashless bike insurance claims is designed to help you get your bike repaired without paying any amount at the network garage of your insurance company. Under this process, the repair cost is settled by the insurance company. Here is the process of a cashless claim for your HF Deluxe bike:

• Intimate your insurer as early as possible after an accident or mishap by calling the customer support staff of your insurer or by visiting their website or through their mobile app.
• Share all the details of the incident to the police and register an FIR, especially in case of accident, fire, theft, etc.
• Click some photos of damages sustained by your insured bike, bodily injuries, and any other damage, etc., after the accident to procure them as a vital proof for the settlement of the claim.
• Search a network garage near your location and take your bike there for cashless repair. You can also get in touch with your insurer to arrange towing facilities, in severe condition.
• As your bike reaches the network garage, a surveyor will be sent by the insurance company to assess the extent of damages suffered by your bike. Here you must show relevant documents like registration certificate, policy copy driving license, FIR, etc., to the surveyor.
• The surveyor will prepare and submit a report stating the estimate of the claim. On the basis of the surveyor's report and documents submitted, the insurer will approve or reject your claim.
• If your insurer gives approval, the network garage will start repairing your bike. After the completion of repair work, your insurer will settle the repair bills directly with the garage.

Reimbursement Bike Insurance Process

The reimbursement claim process is designed to make you pay for your repair bills initially and then reimburse it after you raise a claim. Here is the process to raise reimbursement claim for your HF Deluxe bike:

• Inform your insurance company about the event and register your claim.
• Take your bike to any garage or workshop after the accident or mishap for repair.
• Your insurer will send a surveyor to the garage to access the extent of damages of your bike.
• A claim report will be prepared and submitted to your insurance company by the surveyor.
• The garage will start repairing your bike and you will have to pay the generated repair bill.
• Submit the original repair invoice, relevant documents and a claim form to your insurer.
• After examining your bills, claim form, etc., your insurer will reimburse your claim amount.

Documents Required for Hero HF Deluxe Bike Insurance Claim

Filing a claim for your Hero HF Deluxe bike insurance requires certain key documents to ensure a smooth and successful process. Here’s a list of the typical documents you’ll need:

Documents Required for Accidental Claim Settlement

• Insurance Policy Document
• Claim Form
• First Information Report (FIR)
• Driving Licence
• Registration Certificate (RC)
• Medical Receipts (if applicable)
• Repair Bills and Invoices
• Photographs

Documents Required for Theft Claim Settlement

• Registration Certificate (RC)
• Royal Enfield Classic 350 insurance policy documents
• First Information Report (FIR)
• Driving License
• No-Trace Report
• RTO transfer papers and relevant RTO forms

It's important to check with your specific insurer for any additional requirements, as documentation needs can vary. Having these documents organized and ready can expedite the claim process and help ensure that your claim is processed efficiently.