{"id":761,"date":"2020-06-01T17:51:22","date_gmt":"2020-06-01T17:51:22","guid":{"rendered":"https:\/\/www.up-project.org\/?p=761"},"modified":"2020-06-01T17:51:22","modified_gmt":"2020-06-01T17:51:22","slug":"how-to-buy-the-right-two-wheeler-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.up-project.org\/how-to-buy-the-right-two-wheeler-insurance-policy\/","title":{"rendered":"How to buy the right two wheeler insurance policy?"},"content":{"rendered":"<div class=\"qnuhm64f08ce828af7\" ><a href=\"http:\/\/affiliates.milesweb.com\/2325-1-1-18.html\" target=\"_blank\" rel=\"nofollow\"><img style=\"border:0px\" src=\"https:\/\/affiliates.milesweb.com\/media\/banners\/728x90-MilesWeb.jpg\" width=\"728\" height=\"90\" alt=\"\"><\/a><\/div><style type=\"text\/css\">\r\n@media screen and (min-width: 1201px) {\r\n.qnuhm64f08ce828af7 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.qnuhm64f08ce828af7 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.qnuhm64f08ce828af7 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.qnuhm64f08ce828af7 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.qnuhm64f08ce828af7 {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n<p>Looking for the right two wheeler insurance policy? Well, finding it can be a little more difficult than you think. This is simply because there are so many plans available today, each of which offers its own set of USPs and benefits.<\/p>\n<p>For someone who is not well versed in the world of insurance, this can cause a lot of confusion. Keeping this in mind, the following article will highlight some important pointers to help you choose the right <a href=\"https:\/\/www.iffcotokio.co.in\/motor-insurance\/two-wheeler-insurance\" target=\"_blank\" rel=\"noopener\">two wheeler insurance policy<\/a> for your bike.<\/p>\n<p><strong>Kinds of plans available.<\/strong><\/p>\n<p>There are two kinds of plans for you to choose from. The first is the basic kind. It is known as third party insurance and it is mandatory by law. Without third party insurance, you cannot ride your bike on Indian roads.<\/p>\n<p>This type of insurance does not offer coverage for your vehicle \u2013 you cannot make claims for damages or total loss of your bike. Third-party two-wheeler insurance only covers your liability towards others who are injured or whose property is damaged in an accident you are involved in.<\/p>\n<p>Third-party plans also provide personal accident cover \u2013 this pays compensation to you and\/or your family in case of death, grievous injuries caused due to an accident. Since these plans are so basic, they are also the most affordable type of insurance you can buy for your two-wheeler.<\/p>\n<p>If you want more coverage, you need to opt for a <a href=\"https:\/\/www.iffcotokio.co.in\/motor-insurance\/two-wheeler-insurance\/benefits-of-buying-comprehensive-two-wheeler-insurance-policy\" target=\"_blank\" rel=\"noopener\">comprehensive two wheeler insurance<\/a>. These plans combine third party protection with own damage protection. This means that, in case of an accident, a comprehensive plan will cover your liability to others and also pay for damages\/total loss of your vehicle. It will also cover other repair costs and total loss of the vehicle in case of theft, fire, man-made calamities, and natural calamities.<\/p><div class=\"nnhlj64f08ce828b71\" ><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<ins class=\"adsbygoogle\"\n     style=\"display:block; text-align:center;\"\n     data-ad-layout=\"in-article\"\n     data-ad-format=\"fluid\"\n     data-ad-client=\"ca-pub-1998875270506674\"\n     data-ad-slot=\"5700030306\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<\/div><style type=\"text\/css\">\r\n@media screen and (min-width: 1201px) {\r\n.nnhlj64f08ce828b71 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 993px) and (max-width: 1200px) {\r\n.nnhlj64f08ce828b71 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 769px) and (max-width: 992px) {\r\n.nnhlj64f08ce828b71 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (min-width: 768px) and (max-width: 768px) {\r\n.nnhlj64f08ce828b71 {\r\ndisplay: block;\r\n}\r\n}\r\n@media screen and (max-width: 767px) {\r\n.nnhlj64f08ce828b71 {\r\ndisplay: block;\r\n}\r\n}\r\n<\/style>\r\n\n<p>If you choose third party insurance:<\/p>\n<p>If you choose third party insurance, there isn\u2019t much you need to do. All plans are very similarly priced and there\u2019s no need to evaluate as such. The only time you\u2019ll ever have to make a claim is in case of Personal Accident Cover, on other occasions it is always the aggrieved party that makes the claim.<\/p>\n<p>If you choose comprehensive insurance:<\/p>\n<p>If you choose a comprehensive <strong>two wheeler insurance policy<\/strong>, you can also include add-ons such as zero-deprecation cover, roadside assistance, NCB protector, etc. with your plan. Add-ons offer additional layers of protection. You\u2019ll need to read through the coverage of all the add-ons to decide if you want to have them or not.<\/p>\n<p>If you opt for comprehensive insurance, you must also keep in mind certain factors when selecting a plan to ensure you choose a good plan. These factors include the number of network garages a plan has, the claim settlement ratio of the plan, the number of add-ons on offer, the reviews, the premium, etc. It is also advisable to buy a <a href=\"https:\/\/www.iffcotokio.co.in\/motor-insurance\/two-wheeler-insurance\" target=\"_blank\" rel=\"noopener\">two wheeler insurance policy online<\/a>. This is because it is easier and potentially more affordable than offline plans.<\/p>\n<p>Hope this has been helpful, good luck and all the best!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Looking for the right two wheeler insurance policy? Well, finding it can be a little more difficult than you think&#8230;.<\/p>\n","protected":false},"author":1638,"featured_media":762,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[28],"tags":[174,175,173],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/posts\/761"}],"collection":[{"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/users\/1638"}],"replies":[{"embeddable":true,"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/comments?post=761"}],"version-history":[{"count":1,"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/posts\/761\/revisions"}],"predecessor-version":[{"id":763,"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/posts\/761\/revisions\/763"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/media\/762"}],"wp:attachment":[{"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/media?parent=761"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/categories?post=761"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.up-project.org\/wp-json\/wp\/v2\/tags?post=761"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}