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Suzuki Bike Insurance

Suzuki Bike is a Japanese innovation that infuses the latest technology like 4 stroke air cooled engine, 6 speed transmission, 124cc to 250 cc displacement, etc to give maximum profit to the customers. The starting price range of Suzuki bikes & Suzuki scooters is Rs 55,000 to Rs 14 lakhs maximum.

Now, the question is ‘How you can protect Suzuki bike or Suzuki Scooters?’ The answer is Suzuki two wheeler insurance. Gaining accurate knowledge about your insurance policy as there are less chances of getting duped by insurers and agents.

What should be your focus while purchasing Suzuki insurance?

A bike owner should check the following points before taking insurance-

  • Benefits Given
  • What is included?
  • What is excluded?
  • Add-On covers
  • Percentage of Discounts
  • Premium Prices

Suzuki Bike and Scooter Models

Suzuki Gixxer

Suzuki Gixxer

155 cc displacement, 5 gears, manual gearbox, disc brakes, 17 inch wheel size, 12V 3Ah battery, 14 Nm @ 6000 rpm torque, 1035 mm wheelbase, 13.5 liter fuel tank, pillion seat, mono suspension

Price Range : Rs 1,00,212

Suzuki Gixxer SF

Suzuki Gixxer SF

4-stroke, 1-cylinder, Air-cooled engine, 155 cc displacement, Anti-lock Brake System, LED Headlights, twin muffler, 5 gears, 14 Nm @ 6000 rpm torque, 5 speed transmission, 1340 mm wheelbase, 12L fuel capacity

Price Range : Rs 1,09,870

Suzuki Gixxer SF 250

Suzuki Gixxer SF 250

4-stroke, 1-cylinder, oil-cooled engine, 249 cc displacement, Dual ABS, LED Headlights, twin muffler, 5 gears, 22.6 Nm @ 7500 rpm torque, 6 speed transmission, 1345 mm wheelbase, 12L fuel tank, electric start

Gixxer 250

Gixxer 250

4-stroke, 1-cylinder, oil-cooled engine type, 6-speed transmission, 249 cc displacement, electronic ignition, telescopic coil spring suspension (front), mono suspension (rear), 12L fuel capacity, 1340 mm wheelbase, dual channel ABS, LED tail light & headlight

Price Range : Rs 1,59,800

Gixxer SF Fi

Gixxer SF Fi

48 kmpl mileage, 155 cc displacement, ABS brake system, 14 Nm @ 6000 rpm torque, 5 gears digital ignition, Telescopic & mono suspension (rear), 12L fuel capacity, 1330 mm wheelbase, dual channel ABS, pillion footrest & seat, alloy wheels

Price Range : Rs 1,03,169

Gixxer SP

Gixxer SP

4-stroke, 1-cylinder, air-cooled engine type, 5-speed transmission, 154.9 cc displacement, ABS brake system, 14 Nm @ 6000 rpm torque,12L fuel capacity, Telescopic & mono suspension (rear), 1330 mm wheelbase, dual channel ABS, LED tail light

Price Range :Rs 82,607 - Rs 88,941

Gixxer SF SP

Gixxer SF SP

4-stroke, 1-cylinder, air-cooled engine type, 5-speed transmission, 154.9 cc displacement, ABS brake system, 14 Nm @ 7500 rpm torque, telescopic coil spring suspension (front), Telescopic & mono suspension (rear), 12L fuel capacity, 1330 mm wheelbase, dual channel ABS, LED tail light

Price Range : Rs 1,01,906

Suzuki GSX-R1000

Suzuki GSX-R1000

35 kmpl mileage, 5-speed transmission, 999.8 cc displacement, ABS brake system, 6 gears, 117.54 Nm @ 10,800 rpm torque, Aluminium chassis, 12L fuel capacity, 1409 mm wheelbase, fuel gauge

Price Range : Rs 19,87,038

Suzuki GSX-S1000

Suzuki GSX-S1000

14 kmpl mileage, 999.8 cc displacement, 106 Nm @ 9,500 rpm torque, tubeless tires, 6 gears, 4 cylinder liquid cooled engine, chain drive transmission, 12L fuel capacity, 1460 mm wheelbase

Price Range : Rs 12,34,229

Suzuki GSX-S1000F

Suzuki GSX-S1000F

999.8 cc displacement, 105.75 Nm @ 9,500 rpm torque, ABS brake system, 6 gears, alloy wheels, chain drive suspension (front), 12L fuel capacity, 1460 mm wheelbase

Price Range : Rs 12,79,229

Suzuki Hayabusa

Suzuki Hayabusa

4-stroke, 4-cylinder, Liquid-cooled engine type, 6-speed transmission, 1340 cc displacement, electronic ignition, inverted telescopic coil spring suspension, 21L fuel capacity, 1480 mm wheelbase

Price Range : Rs 13,80,466

Suzuki Intruder 150

Suzuki Intruder 150

4-stroke, 1-cylinder, oil-cooled engine type, 5-speed transmission, 155 cc displacement, electronic ignition, Swing arm rear suspension (front), mono suspension (rear), 11L fuel capacity, 1405 mm wheelbase, tubeless tires, 17 inch front and rear tyres

Variants : 150 Fi

Price Range : Rs 1,03,439

Suzuki Access 125

Suzuki Access 125

4 stroke 1 cylinder air cooled engine, 18 kmpl mileage, 124 cc displacement, 10.2 Nm @ 5000 rpm torque, 5.6L fuel tank, CVT transmission, telescopic & swing arm (rear) suspension (front), 1265 mm wheelbase

Price Range : Rs 55,977

Suzuki Burgman Street 125

Suzuki Burgman Street 125

18 kmpl mileage, 124 cc displacement, 10.2 Nm @ 5000 rpm torque, CVT transmission, telescopic & Hydraulic (rear) suspension (front), 5.6L fuel capacity, 1265 mm wheelbase

Price Range : Rs 70,878

How to Choose Best Insurer to Buy Suzuki Bike Insurance

  • Annual Claim Settled By The Insurer: The number of claims accepted and settled by the insurer in a financial year should be seen before deciding to take bike insurance. If the claim settlement ratio is higher, there are higher chances of getting quick claim payment.
  • Network Garages: Bike insurance providers partner with local garages present in different cities of India. These garages provide cashless repairs in case of emergencies. For example- Bharti axa has 3,800 network garages while ICICI Lombard has 5600+ cashless network garage. So, keep an eye on this factor.
  • Add on covers: Add-on covers enhances the basic cover on the submission of extra premium with basic premium. Nil Depreciation, loss of accessories, Key losses, personal accident cover, roadside assistance, etc are some of the add-on which are available under Suzuki insurance.
  • Coverage Types: Type of Coverage also matters while choosing an insurer. Look whether the insurer is offering flexible options i.e. third party cover and comprehensive cover. Don’t go for the insurer that is limiting your choices.
  • Term of Coverage: Policy tenure also matters. Some Suzuki insurance provider provide long term cover i.e. five year policy & three year policy while some provide only one year policy. So, check this before buying.

7 Best Companies To Purchase Suzuki Bike Insurance

Suzuki Bike insurance ProvidersCashless Network Garages
Bharti AXA3,800+
United India Insurance2000+
Royal Sundaram3300+
ICICI Lombard5600+
HDFC Ergo5000+
Bajaj Allianz2700+
Tata AIG5900+

Inclusion & Exclusion of Suzuki Two Wheeler Insurance

Damages That Are Quickly Settled

  • Third Party Liability: The claims arising due to loss or injuries of some other party commuting on the road like pedestrians, or other vehicle drivers. Claims are acceptable when the loss is made by bike owner unintentionaly. Insurer will compensate the third party once court settlement is completed.
  • Thievery/Burglary/Vandalism: You will full compensation up to IDV value of the vehicle if the bike is stolen or looted by the thieves or plunderers. The theft must be reported to both police and insurer to get timely claim payment.
  • Transit Damages: While transferring your Suzuki bike from one place to another may expose your vehicle to unknown losses. Keep calm! You will be compensated against the loss happened.
  • Accident Cases (External): Road accidents occurring due to heavy rains, mist, or any external means are common. Most of the insurers include coverage from accidents under their bike insurance policy and given coverage.
  • Natural Disasters: If the bike Suzuki two wheeler owner buys a comprehensive cover, then he is bound to receive protection natural calamities. It is beneficial for inhabitants who live in the area where Floods, Storms, Cyclones, Frost, Hailstorm Landslides are common.
  • Fires/Self-Ignition/Explosion: The bike insurance will financially safeguard your bike from fires, explosions, etc by providing agreed amount of compensation with respect to the loss occurred. For compensation, IDV value of Suzuki bike is calculated for deciding the claim amount.
and

What Damages Are Not Included?

  • Mechanical Breakdowns: The breakdowns that arises to the engine or gearbox of the vehicle at any point of time are not covered. To get coverage, the bike owner has to purchase add-on cover that include such losses.
  • Depreciation: Depreciation of bike is inevitable which tends to decrease the value of your bike overtime. Depreciation also plays a huge role while paying IDV value of bike after a claim is made. However, one can get relief from this by taking add-on cover i.e. Nil Depreciation.
  • Intoxication by Alcohol Whilst Driving: Coverage is never provided if the bike has been damaged when the driver is intoxicated due to consumption of alcohol or any other toxic substance.
  • Loses Made Intentionally: If the losses happened are not accidental, the suzuki insurance will give compensation. A proper investigation of the vehicle is organized by the assigned inspector to find such acts.
  • Driving Without Any Valid License: Make sure you read the policy documents properly as driving without a license can bring penalties & damages that are not covered. So, next time think before giving your Suzuki two wheeler to your underage child.
  • War/ Perils/ Bombing: Damages happening to the insured bike in the situations like revolts, wars, nuclear bombing, military attacks, etc are not included under Suzuki insurance.

Questions That Come Before And After Buying Suzuki Insurance

Yes, you surely need to provide basic information like-

  • Identity Card with verified photocopies
  • Registration certificate
  • Passport Sized Photos
  • Residence Proof
  • Driving License

The premium for Suzuki bike insurance can be paid through any online medium. You can find them below-

  • Credit cards
  • Net banking
  • Debit cards
  • E-wallets

YEvery Insurer want immediate notification of the claim after it happened within 24 hours. By informing early you get quick settlement of claim.

The claim can be reported by two ways-

  • Calling on the customer care or toll free number of the company
  • Registering the claim online on company’s website
  • Claim Form filled required information
  • Photocopy of Driving License
  • Bike Registration Certificate
  • Police FIR (If required)
  • Repair Invoice
  • Policy Document

The customer receives two kinds of options for protecting their Suzuki two wheeler-

  • Third Party Liability Cover: This will cover third party personal injuries and property damages which are made by insured bike owner.
  • Comprehensive Cover Or Package Policy: Apart from covering third party liability, this also cover damages coming from natural disasters, thefts, fires, shipment, accidents, etc.

Last updated on 02-09-2019