Hero Bike Insurance
Hero Bike Insurance
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Hero Bike Insurance

What is your Hero bike model? Is it Passion Pro or Splendor or Karizma? Regardless of your bike model and its cost, it is important to purchase Hero bike insurance with reverence to laws under the Motor Vehicle Act. But before buying Hero bike insurance make sure to gather information regarding the coverage, benefits, inclusion, and exclusions.

Hero Motors is a 34-year-old two wheeler manufacturer that has sold 90 million vehicles to date and made 6,000+ engaging customers. Hero two wheelers are chosen for their affordable prices, high performance, and advance technology with optional colors. Let’s take a quick tour of what models are available in the market and what are the benefits of acquiring insurance.

Hero Bikes Models

1. Hero HF Deluxe

Hero HF Deluxe

Specifications : 97 cc engine, 83 kmpl mileage, 8 Nm @ 6500 rpm, 1235 mm wheelbase, 4 speed Constant Mesh, 9.5L fuel tank

Hero Two wheeler Price (vary from state to state) Rs 39,485- Rs 49,900

2. Hero Super Splendor

Specifications : 125 cc engine, 10.35 Nm @ 7000 rpm, 1267 mm wheelbase, 4 speed Constant Mesh, 13L fuel tank, i3s technology,

Hero Two wheeler Price (vary from state to state) Rs 59,750

Hero Super Splendor

3. Hero Splendor iSmart IBS

Hero Splendor iSmart IBS

Specifications : 109.15 cc engine, 9 Nm @ 7000 rpm, 1245 mm wheelbase, 4 speed Constant Mesh, 8.5L fuel tank

Hero Two wheeler Price (vary from state to state) Rs 56,280- Rs 57,430

4. Hero Passion Pro

Specifications : 97.2 cc engine, 8.05 Nm @ 5000 rpm, 1245 mm wheelbase, 4 speed Constant Mesh, 8.5L fuel tank

Hero Two wheeler Price (vary from state to state) Rs 55,575- Rs 56,275

Hero Passion Pro

5. Hero Passion XPro

Hero Passion XPro

Specifications : Power start, IBS technology, 110 cc engine, 9 Nm @ 5500 rpm, 1245 mm wheelbase, 4 speed Constant Mesh, 8.2L fuel tank

Hero Two wheeler Price (vary from state to state) Rs 57,200 - Rs 59,900

6. Hero Passion Pro 110

Specifications : 109.15 cc engine, 9 Nm @ 5500 rpm, 1235 mm wheelbase, 4 speed Constant Mesh, 11L fuel tank

Hero Two wheeler Price (vary from state to state) Rs 56,100 - Rs 57,100

Hero Passion Pro 110

7. Hero XPulse 200

Hero XPulse 200

Specifications : 199.6 cc engine, 17.1 Nm @ 6500 rpm, 1412 mm wheelbase, 5 speed Constant Mesh, 13L fuel tank, Dual-purpose tyres, LED headlamps

Hero Two wheeler Price (vary from state to state) Rs 97,000- Rs 1,05,000

8. Hero Glamour i3s

Specifications : 124.7 cc engine, 17.1 Nm @ 6500 rpm, 1338 mm wheelbase, 5 speed Constant Mesh, 12.5L fuel tank, rear monoshock suspension, single channel ABS

Hero Two wheeler Price (vary from state to state) Rs 61,800

Hero Glamour i3s

9. Hero Xtreme 200R

Hero Xtreme 200R

Specifications : 199.6 cc, 17.1 Nm @ 6500 rpm, 1338 mm wheelbase, 5 speed Constant Mesh, 12.5L fuel tank, rear monoshock suspension, single channel ABS

Hero Two wheeler Price (vary from state to state) Rs 91,900

10. Hero Xtreme 200S

Specifications : 199.6 cc, 17.1 Nm @ 6500 rpm, 1337 mm wheelbase, 5 speed Constant Mesh, 12.5L fuel tank, 7 step adjustable monoshock absorbers, LCD console

Hero Two wheeler Price (vary from state to state) Rs 99,400-Rs 1,00,900

Hero Xtreme 200S

11. Hero Xtreme Sports

Hero Xtreme Sports

Specifications : 149.2 cc, 13.5 Nm @ 7000 rpm, 1325 mm wheelbase, 5 speed Constant Mesh, 12.1L fuel tank, 7 step adjustable monoshock absorbers, LCD console

Hero Two wheeler Price (vary from state to state) Rs 80,850-Rs 83,650

12. Hero Karizma ZMR

Specifications : 223 cc engine, 19.7 Nm @ 6500 rpm, 129 kmph speed, 1360 mm wheelbase, 5 speed Constant Mesh, 15.3L fuel tank, 360o view

Hero Two wheeler Price (vary from state to state) Rs 1,08,000

Hero Karizma ZMR

13. Hero XPulse 200T

Hero XPulse 200T

Specifications : 199.6 cc, 17.1 Nm @ 6500 rpm, 1392 mm wheelbase, 5 speed Constant Mesh, 13L fuel tank, 7 step adjustable monoshock absorbers

Hero Two wheeler Price (vary from state to state) Rs 94,000 - Rs 97,000

14. Hero Achiever 150

Specifications : 149.1 cc engine, 12.80 N-m @ 5000 RPM, 1290 mm wheelbase, 5 speed Constant Mesh, 13L fuel tank, telescopic hydraulic shock absorber

Hero Two wheeler Price (vary from state to state) Rs 67,550 - Rs 70,542

Hero Achiever 150

Features Of Hero Motors

Cost-Effective & Durable

Hero two wheelers are prominent for their cheap prices that start from Rs 40,000 to Rs 1 lakhs. Overall, the price and the features are worth the money and the service is easily accessible.

Hero Joyride Program

This is an initiative for customer satisfaction. The motive is to safeguard the money of customers and provide the utmost benefits. Benefits include- five free services, 5 Year Warranty, access to spare parts and insurance service.

Global worldwide-presence

Hero Motors is the largest two wheeler producer that is currently running successfully in 37 countries which includes India, Austria, Bangladesh, Japan, Colombia, Germany, France, etc.

Unique Features

Hero two wheeler makers employs i3s technology, air-cooled engine type, single-channel ABS in brakes, tubeless tyres, LED headlights, 12V batteries, DC - fully transistorized ignition system, 83 Kmph to 129 Kmph speed, 5-step hydraulic shock absorbers suspension, etc

Inclusions & Exclusions

Damages That Get Compensation

  • Natural Calamities: Earthquakes, Typhoons, Floods, Hurricanes, Cyclones, landslides, etc, are covered under hero bike insurance and losses are positively compensated.
  • Thefts/Burglary/Housebreaking: Every insurer provides the full IDV value of the vehicle on the thievery or ransacking of your insured bike in your locality. Also, FIR must be made before making the claim.
  • Fires/Explosions/Self Ignition: If your bike got trapped into fire or self-ignition, no problem your bike insurance will promise financial protection to raise up from the loss occurred.
  • In Transit Damages: Transit damages during the shipment of the vehicle through any medium (Waterways, roadways, airways, elevators, lifts) are also included under coverage.
  • Riot/Strike/Malicious Act: The losses that are made by a herd of human beings during strikes, riots, terrorist attacks are duly met by the bike insurance provider and given compensation.
  • Third-Party Liabilities: Your bike insurance policy will help you even when a loss is done by you to the other party vehicle while driving Hero two wheelers on the road. Claim payment is made after the court settlement.

Damages That Don’t Get Compensation

  • Driving under Intoxication: The intoxication of the body through intake of alcohol or any other hallucinogenic substances, while driving a two wheeler and causing damages as a result of it, is not be covered.
  • Wear and Tear: The common degradation that happens with the growing age of the two wheeler like deterioration of seats, fiberglass, tires, tubes, etc is covered under two wheeler insurance.
  • Mechanical breakdown: Mechanical breakdowns that make the vehicle unable to move are not covered under bike insurance. This may include some technical issues in the gearbox or engine of the Hero two wheeler.
  • Using private Vehicle as Commercial Use: If the insured Hero two wheeler is used for commercial purposes such as for renting or offering other services, the insurance provides coverage for the damages occurred.
  • Wars/Rebellions/Military Attacks: Let’s say your vehicle has been devastated during the event of wars, military attacks, nuclear bombing, etc. The loss arrived is not eligible to get coverage.

Step to Buy & Renew Hero Bike Insurance

Online Buying Process

  • Submit Bike Details: Transport yourself to the uppermost section of this page and submit the necessary information about the bike in the PolicyX portal. Also, provide contact details.
  • Compare the Premium: The portal will display quotes from Hero bike insurance provider. The customer has to choose which plan is perfect to secure the safety of their bike. Compare the prices of premium along with add-on cover.
  • Premium Payment: After familiarizing the vehicle and choosing the insurer, the nest duty is to pay the reflected premium. Also, look for the GST applicable. The payment can be submitted through net banking, credit cards, and debit cards or e-wallets.
  • Issue of Policy: The online payment receipt is allotted to the registered email ID of the customer given at the time of the buying. The receipt is confirmation that your policy has been issued.

Online Renewal Process

  • Submit Two Wheeler Details: Click on the ‘Get Quote’ and introduce your vehicle on the online portal. Fill vehicle registration number, manufacturing date.
  • Choose the insurer: The online portal of PolicyX will present an array of the best two-wheeler insurers offering distinct premium prices with different benefits. Select the insurer that provide greater benefits.
  • Premium Payment: After fixing the insurer, next step is to look for the premium rates along with the GST applied. Customer must keep themselves ready with any online source of payment i.e. net banking, credit cards, debit cards or e-wallets.
  • Issue of Policy: Once the confirmation of the payment has been sent to the registered email ID through premium receipt. Customer will also get policy documents, and claim forms in PDF form.

Factors On which Premium Calculation Depends

Vehicle Registration StateManufacturer Name
Model and Variant of insured BikeManufacturing Year and Month
Body TypeDate of Purchase
Registration Region/CityWhether a vehicle is financed or not
Kind of Coverage optedAdd-on covers
NCB Discount collectedInsured Declared Value (IDV)

Hero Bike Insurance: FAQs

1. How do I get a claim form to register my claim?

The process of obtaining a claim form is online. The customer can find it in the policy documents issued during the purchase or by visiting the insurer’s website.

2. What are the types of coverage available under Hero bike insurance?

Third Party Liability Cover: The third party liability cover will provide coverage from uncertain liabilities arising directly from the third party’s vehicle which has been affected by insure Hero bike owner.

Comprehensive Cover: The cover is particularly contrived to bestow financial security to the two wheeler from third party liabilities, natural disasters, fires, man-made perils, unfortunate accidents, thefts and in transit losses.

3. What documents are needed to buy Hero two wheeler insurance?

The entire process of buying is online and no documents are required for qualifying the policy issue. You just need an online source of payment and some basic details of your bike.

4. Which companies offer Hero two wheeler insurance?

Companies that insures Hero bikes are-

  • Reliance General
  • Bajaj Allianz
  • Bharti Axa
  • IFCO Tokio
  • HDFC Ergo
  • New India Assurance
  • Royal Sundaram
  • Universal Sompo

Last updated on 12-06-2020