Hero bikes are celebrated for their fuel efficiency, robust performance, and strong presence on Indian roads. Whether you ride a Hero Splendour, HF Deluxe, or XPulse, protect your bike with the right insurance against accidents, theft, and third-party liabilities. Insurers like Tata AIG understand how much your Hero bike means to you and offer flexible insurance policies tailored to your needs, preferences, and budget.
Buying Hero Bike Insurance is simple and hassle-free. It allows you to easily compare different plans, check prices, and complete the entire process from the comfort of your own home. Let’s walk you through the process to purchase Hero Bike Insurance online and share useful coverage tips to keep your two-wheeler well protected so that you can ride with confidence and peace of mind.
Why Do You Need Hero Bike Insurance?
Choosing the right insurance for your Hero two-wheeler is crucial to protect your bike and yourself from unexpected financial burdens due to accidents, theft, or natural disasters. In India, having at least third-party bike insurance is mandatory to legally ride your motorcycle. This coverage protects you against damages or injuries caused to others. However, opting for a comprehensive insurance policy offers broader protection, including coverage for damages to your own bike and personal accident benefits.
With insurers like Tata AIG, you get reliable coverage backed by a seamless online purchase and renewal process, supported by over 650 claim experts and 4,500+ network garages nationwide for quick cashless repairs. Their policies also offer optional add-ons such as roadside assistance and return-to-invoice cover, allowing you to customize protection based on your needs and budget. With a vast customer base of over 5 crore members, Tata AIG ensures quality service and peace of mind, so you can enjoy your Hero bike with confidence and security.
Types of Hero Bike Insurance Plans
When buying insurance for your Hero bike, it’s important to know the three main types of plans available:
- Third-Party Insurance: This is the minimum legal requirement. It covers any injury, death, or property damage caused to others by your bike. However, it does not cover damage or theft of your bike.
- Comprehensive Insurance: This plan offers full protection. It covers third-party liabilities, as well as damage to your bike resulting from accidents, theft, natural disasters, or man-made events. It also often includes personal accident cover and optional add-ons for extra benefits.
- Standalone Own Damage (OD) Insurance: If you already have third-party insurance, you can buy this plan separately. It covers damage or loss to your bike but does not include third-party liability.
Insurers like Tata AIG provide these options to help you choose coverage that fits your needs and budget.
Step-by-Step Process to Buy Hero Bike Insurance Online
Buying Hero Bike Insurance online is a simple and time-saving process. Here’s how to do it:
Step 1: Visit the Insurer’s Website
Go to a trusted insurer’s official website and select the two-wheeler insurance section.
Step 2: Enter Your Bike Details
Provide your Hero bike’s registration number or choose to proceed without it if it’s a new purchase. You’ll also need to enter:
- Bike model and variant (e.g., Splendor Plus, Glamour, XPulse)
- Year of manufacture
- City of registration
Step 3: Select Insurance Type
Choose whether you want:
- Third-party only
- Comprehensive coverage
- Standalone own damage cover
For broader protection, a comprehensive plan is recommended.
Step 4: Choose the Insured Declared Value (IDV)
IDV is the market value of your bike and is the maximum amount you can claim. A higher IDV means better compensation, but it may also increase your premium.
Step 5: Add-On Covers (Optional)
Enhance your coverage with optional add-ons such as:
- Zero depreciation cover
- Roadside assistance
- Emergency medical expenses
- Return to invoice
- Consumables cover
- Additional personal accident cover
Choose only those add-ons that are useful for your riding needs.
Step 6: Review and Pay
After reviewing all the details, proceed to make the payment securely through available options, such as UPI, credit/debit cards, or net banking.
Once payment is successful, you’ll receive your policy documents on your registered email instantly.
Hero Bike Insurance Add-On Covers to Consider
Many insurers offer useful add-ons when you purchase Bike Insurance. Tata AIG provides a choice of 12 unique add-ons to enhance your coverage, including:
- Return to Invoice
Covers the difference between the claim amount and the original invoice price or current replacement cost (whichever is lower) in case of total loss or theft. Also reimburses first-time registration charges and road tax paid for your two-wheeler.
- Depreciation Allowance (Zero Depreciation Cover)
Pays for the depreciation amount deducted on replaced parts in an own damage claim. Limited to the first two claims per policy year, with deductible options available. Ensures higher claim payouts by covering the depreciation cost.
- Additional Third Party Property Damage Cover
Enhances third-party property damage protection beyond the standard ₹1 Lakh, up to ₹16 Lakh per event. The additional limit can be chosen in multiples of ₹50,000, providing greater financial security in the event of major third-party claims.
- Consumable Expenses
Covers the cost of consumables like engine oil, lubricants, nuts, bolts, screws, filters, and similar items required during repairs after an accident. Excludes fuel but includes most items that need replacement due to damage.
- Emergency Medical Expenses
Reimburses emergency medical expenses for treatment of injuries to you, the driver, or occupants after an accident. Also covers ambulance charges and supporting items like crutches or wheelchairs, up to ₹5,000 or 5% of the sum insured.
- Additional Personal Accident Cover to Owner-Driver
Provides extra personal accident coverage for the owner-driver, in addition to the standard ₹15 Lakh, up to an additional ₹5 Lakh. Offers enhanced protection in case of accidental death or disability.
- Additional Personal Accident Cover to Unnamed Persons
Extends additional personal accident cover to unnamed drivers or pillion riders beyond the standard ₹1 Lakh, up to ₹5 Lakh. Ensures broader safety for all persons travelling on the insured bike.
- Roadside Assistance
Offers 24×7 roadside repair and towing services for issues like flat tyres, battery failure, fuel delivery, lost keys, and breakdowns. Ensures you get prompt help and tow to the nearest garage if stranded.
- Electric Surge Secure
Covers losses or damages to electric vehicles and charging equipment due to arcing, short-circuit, or water ingress while charging. Excludes manufacturer defects and improper use. Applicable for vehicles up to 5 years old.
- Depreciation Allowance – Battery
Pays for the depreciation deducted on battery replacement under an own damage claim. Covers a specified number of claims per policy, with options for zero or 5% deductible. Valid for vehicles up to 5 years old.
- Engine Secure
Covers repair or replacement costs for internal engine parts, gearbox, and transmission due to water ingress or lubricating oil leakage. Includes consumables used in repairs. Excludes manufacturer warranty claims and lack of timely intimation.
- Tyre and Rim Secure
Covers repair or replacement costs for accidental or standalone damage to tyres and rims, including service charges. Compensation is based on unused tread depth, with a maximum of two replacements per policy period. Includes both repair and full replacement options.
These add-ons allow you to customise your bike insurance policy for comprehensive protection against a wide range of risks and expenses.
Factors Affecting Your Hero Bike Insurance Premium
The premium you pay for your Hero bike insurance depends on several important factors:
- Bike Model and Age: Newer and high-end models have higher premiums because they cost more to repair or replace.
- Insured Declared Value (IDV): This is your bike’s current market value. A higher IDV means a higher premium.
- Type of Coverage: Third-party insurance is cheaper as it covers only damage to others, while comprehensive policies cover your bike too and cost more.
- Add-ons: Extras like zero depreciation or roadside assistance increase your premium but provide better protection.
- Location: Premiums vary by city due to different risks like theft or accidents.
Using online premium calculators, like those offered by Tata AIG, helps you quickly compare prices and customise coverage to fit your budget and needs.
Coverage Details You Should Be Aware of
Before buying or renewing your Hero bike insurance, it’s crucial to understand what the policy covers and what it excludes. Insurers like Tata AIG provide clear information on inclusions and exclusions to help you protect your Hero bike effectively.
What It Covers
- Protection against theft or total loss due to accidents.
- Damage from natural disasters like floods, earthquakes, and cyclones.
- Losses caused by riots, terrorist acts, explosions, or fire.
- Personal Accident Cover of ₹15 Lakh for the owner-driver.
- Third-party liability for injury or damage caused to others.
What It Does Not Cover
- Wear and tear, mechanical or electrical breakdowns.
- Riding without a valid license or helmet, or under the influence of alcohol/drugs.
- Use of the bike for commercial purposes or racing.
- Damage outside the insured geographical area or due to war/nuclear events.
This ensures your Hero bike stays protected while keeping you financially secure on the road.
Tips for a Smooth Buying Experience
Buying bike insurance can seem overwhelming, but following a few simple tips can make the process easier and help you get the best coverage for your Hero bike.
- Compare Plans: Always review multiple insurers and their offerings before making a decision. This helps you find the best coverage and the most competitive price.
- Choose Coverage Wisely: Don’t just pick the cheapest option. Select a plan that offers the protection you need.
- Use Discounts: Take advantage of any promotional offers to lower your premium.
- Read Policy Wordings: Understand what is covered, what is excluded, and the claim process to avoid surprises later.
- Renew on Time: Renew your policy before expiry to maintain continuous coverage and retain your NCB benefits.
By following these tips, you can ensure a hassle-free purchase or renewal and keep your Hero bike well-protected on the road.
Final Thoughts
Buying Hero Bike Insurance online is a smart and convenient way to protect your two-wheeler. By following simple steps, you can compare plans, choose the right coverage, and complete the purchase from home. Remember to check important details like coverage options, exclusions, and add-ons to get the best protection for your bike. Don’t forget to use discounts like the No Claim Bonus to save on premiums. Renew your policy on time to avoid lapses and keep your benefits intact. With the right Hero Bike Insurance, you can ride confidently knowing you’re financially protected against accidents, theft, and damage.