Yamaha Fz Insurance

Yamaha FZ is a highly affordable bike which has an engine capacity of 149 cc which produces a power of 13.2 PS and a torque of 12.8 Nm. The bike is extremely fuel efficient and provides a mileage of 53 Kmpl. The bike has disc front and rear brakes and tubeless tyres. The fuel capacity of the Yamaha FZ is 12 liters. The length of the Yamaha FZ is0 1990 mm, width is 770 mm and height 1050 mm. Yamaha FZ has Digital speedometer, Console, tripmeter, tachometer and odometer. It also has a Pass Switch, Passenger Footrest and a Step-up seat, Low Fuel Indicator, Low Oil Indicator and LED Tail Lights. The Yamaha FZ is available in 8 colours which are Matte Green, Dark Knight, Armada Blue, Dark Knight, Opal White, Lightning Cyan, Knight Red, Hurricane Gray.

To ride Yamaha FZ in India it is necessary for every two-wheeler owner to have at least a third party insurance policy, according to the Indian Motor tariff. A third party insurance policy type of insurance provides compensation for the third party liabilities and third party property damage. Without a third party insurance cover, the rider of the two-wheeler can be punished with a fine of Rs. 2,000 or/and imprisonment up to 3 months. Third party insurance cover does not compensate for own-damages of the bike, for which the policyholder needs to purchase a standalone own-damage cover or a comprehensive cover.

Benefits of Buying Yamaha FZ Insurance from InsuranceDekho

Purchasing your Yamaha FZ 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 Yamaha FZ 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 Cover for Yamaha FZ Insurance

Below mentioned are the different types of insurance covers:

1. Third Party Insurance Policy: Third party bike insurance is a risk cover, in which the insurance company compensates for the legal liabilities claimed by a third party in an accident where the insured bike is at fault. It provides third party property coverage of up to Rs. 1 lakh.

2. Standalone Own-Damage Insurance Policy: Standalone Own-Damage Insurance Policy is a part of motor insurance in which the insurance company provides coverage for the damages incurred by policyholder’s two wheeler in case of a mishap and does not cover any damages caused to a third party.

3. Comprehensive Insurance Policy: By opting for a comprehensive insurance cover the policyholder will be covered against both own-damages of the bike and third party legal liabilities. It is a 360 degree protection for your two wheeler.

What is Covered in Yamaha FZ Insurance?

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

• Accidental Damage: Coverage for damages to your Yamaha FZ resulting from accidents, ensuring repairs or replacement costs are covered.
• Natural Disasters: Protection against natural calamities like floods, earthquakes, and storms, which can cause significant damage to the bike.
• Man-Made Disasters: This includes damages due to riots, theft, vandalism, and other man-made events.
• Third-Party Liability: Covers legal liabilities arising due to injuries or damages caused to a third party or their property by your bike.
• Personal Accident Cover: Provides a safety net in the unfortunate event of injury or death of the rider while using the bike.
• Engine Protection: As an optional add-on, it covers damage to the engine, which can be crucial for bikes like the Yamaha FZ, especially in areas prone to waterlogging.
• 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 Yamaha FZ Insurance?

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

• General Wear and Tear: The natural aging and regular wear and tear of the bike, including depreciation, is not covered under the policy.
• Mechanical or Electrical Breakdowns: Failures due to mechanical or electrical malfunctions that are not a result of an insured event are excluded from coverage.
• Damages Under Influence: Any damage caused while the rider is under the influence of alcohol or drugs is not covered by the insurance.
• 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.
• 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.
• 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.
• 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 Yamaha FZ 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 your Yamaha FZ from InsuranceDekho?

Followings are the steps that are to be followed to purchase Insurance for your Yamaha FZ from InsuranceDekho:

Step 1: Visit InsuranceDekho

Step 2: Select ‘Bike’. In the ‘Get Your Quote’ section, enter your bike registration number or other details, such as make, model and year of registration.

Step 3: Enter your details like name and mobile number. The best policies will be visible to you on your screen.

Step 4: Select a policy which suits your budget and other requirements.

Step 5: Make payment for the selected policy. The policy related document will be sent to you on your registered email ID.