A good two-wheeler insurance policy protects you from having to pay a hefty amount in case your vehicle suffers any damage. So, when choosing a policy, it is important that you do so with utmost care. It ensures that you purchase a policy with added advantages and benefits, and select one provides you with comprehensive coverage. To ensure that you pick the ideal two-wheeler insurance policy for your needs, keep the following pointers in mind.

Choose high Coverage:

It is important to ensure that you aren’t opting for minimal coverage just to adhere to legal requirements. Investing in good coverage should be your priority, as it ensures that your out-of-pocket expense is negligible in the event of any damage to your vehicle.

For example, if there is more than just one person in your family who rides your two-wheeler, choose a policy that allows you to add a second person to it. This will allow you to protect him/her too. You should also be able to get pillion-rider coverage to ensure that your co-passenger is protected too.

Choose a Policy with Ample add-on Covers

Add-on covers help you make your two-wheeler insurance and car insurance policy even more beneficial. Although you have to pay for these extra covers, it is worth the cost, as it will work out to be more affordable in the long run. No-claim bonus cover, zero depreciation cover, roadside assistance, medical cover and return to invoice cover are essentials, so ensure that the policy you choose offers you a choice of these add-on covers.

Recognise Liability type:

While choosing an insurance policy, look for one that covers third party damages and injuries too. This saves you the expense of having to compensate or pay for the same. Besides, it also covers damage to property. This helps in situations where your vehicle collides with someone’s property and not their vehicle.

Look for Additional Perks:

Keep your eyes open for benefits beyond basic ones. For example, seek a motor insurance policy that comes with a no claim bonus, which you can use to reduce costs in the future. Some insurance policies also provide discounts upon renewal, which can further bring down your total expense. Besides this, you must also select an insurance policy that allows you to apply online, and has excellent customer service. This will ensure that your two-wheeler insurance is beneficial in all aspects.

Examine the Claim Settlement Ratio:

Before you pick an insurance policy, always choose a lender with a good claim settlement ratio. This is a ratio of the total claims settled by the insurance company, as compared to the total claims received. It is expressed as a percentage, and the higher the score is, the more assurity you have with regards to getting the amount that is due to you, when you make a legitimate claim. Examining this ratio helps you choose a reliable, trustworthy insurance provider.

With these points in mind, you will be able to select an ideal insurance policy as per your needs. Look up options for the motor insurance and compare all the available options before making a decision.