Bajaj Discover 125 Insurance
Bajaj Discover 125 Insurance
Bajaj Auto is a leading motorcycle brand for commuter bikes trusted by millions of users. Some Bajaj bikes that gained popularity include Pulsar 200NS, Platina 100, Avenger Cruise 220, Dominar 250, Discover 110, etc.
The latest Bajaj Discover 125 is no different. With an engine displacement of 125cc, the Discover 125 propels increased power than its predecessor. However, the looks are quite similar to the outgoing models. With its reliable performance, durability and fuel efficiency, the Bajaj Discover 125 is a perfect fit for individuals who use bikes for daily commuting.
So, if you own a Discover 125, buying adequate insurance coverage is necessary to protect it from poor-quality roads, severe weather conditions, thefts and other mishaps. With Tata AIG, you can buy third-party liability cover, standalone own damage and comprehensive bike insurance policies at affordable prices.
While third-party insurance is a must-have to avoid hefty fines, comprehensive two-wheeler insurance is a wise choice if you want your bike’s optimum protection. It compensates for several bike damages caused by natural calamities, man-made disasters, theft, loss, accidental loss or injury, etc.
Moreover, comprehensive insurance includes personal accident coverage, which acts as a saviour in case of fatal road accidents.
Bajaj Discover 125 Insurance Renewal/Buy via Tata AIG
If you own a Bajaj Discover 125 and looking for appropriate insurance coverage, you have come to the right place. With Tata AIG, you can renew/buy Discover 125 bike insurance via online or offline modes. You can visit a Tata AIG office and fulfil the formalities under the guidance of an insurance expert. But if you wish to purchase or renew your Bajaj bike insurance online, you can go through the following steps:
Go to the Bike Insurance page and enter your bike’s registration number. If you are buying insurance for your bike for the first time, click “Get Price” or “Renew” for Bajaj bike insurance renewal.
Submit the necessary information to get a bike insurance quote. Choose the coverage and the IDV (Insured Declared Value) from the list provided. IDV is the bike’s prevailing market value based on which the insurer compensates you in case it is lost or damaged beyond repair
After fetching the details, Tata AIG will display the premium amount for your Bajaj two-wheeler insurance
You can buy suitable add-on covers and customise your Bajaj bike insurance policy. However, riders are available at extra costs and raise your bike insurance premium. So, choose wisely
Proceed with the payment by choosing a payment method
Once Tata AIG receives your payment, it sends your Bajaj Discover 125 insurance online
Long term Two-wheeler Insurance
- Many of you might not remember to renew your two-wheeler insurance every year. This can leave your bike uninsured, as a result of which you may incur financial or legal losses.
So, if you forget to renew your bike insurance policy on time, you can opt for long-term two-wheeler insurance for your bike and insure it for two-three years.
Bajaj Discover 125 Insurance Cost– Your Premium Amount
The Bajaj Discover 125 is a popular motorcycle that is widely used in India, and one of the important considerations for any vehicle owner is the cost of insurance. The insurance premium for the comprehensive Bajaj two-wheeler insurance is influenced by the Insured Declared Value (IDV).
Insured Declared Value (the current market value of your bike) is calculated by considering various factors such as the bike’s make and model, the age of the bike, the city of registration, the engine capacity, the type of coverage opted for, type of fuel and use, engine cubic capacity, etc.
The value decides the amount of compensation when you raise a claim for a bike which is lost, stolen or totally damaged).
In the case of third-party insurance, the premium cost is annually announced by the IRDAI based on the engine's cubic capacity.
Things to Remember:
You must always select the correct IDV and pick suitable add-on covers. While a reasonable IDV helps you get adequate compensation in case of total damage or loss of your bike, buying only suitable add-ons prevents wasteful expenditure. You must also avoid making minor claims to benefit from the NCB.
You can also use a two-wheeler insurance calculator to know your Bajaj bike insurance price. It is an online tool that helps compare insurance policies online and allows you to make an informed decision.
Add-ons for Bajaj Discover 125 Insurance by Tata AIG
Add-on covers are designed to offer extra protection to your bike at extra costs. Despite buying comprehensive insurance for your bike, you cannot prevent bike depreciation, fatal road accidents, or other unfortunate events. This is where add-on covers come to your rescue.
Tata AIG offers a range of riders for two-wheeler insurance to ensure maximum protection
Zero Depreciation Cover Depreciation is an unavoidable loss caused by your bike's normal wear and tear. But with a zero-depreciation add-on cover, the insurance company settles your bike insurance claim without deducting the value of depreciation of your bike’s parts. However, zero depreciation allowance is available for the first two claims only.
Return to Invoice Cover This essential add-on is useful when you raise a bike insurance claim for a total loss or damage of the bike. It covers the disparity between your bike’s invoice value and the claim settlement amount. Not only this, but the insurance provider reimburses the road tax and registration charges you paid for the bike.
Additional Personal Accident Cover for Owner-Driver This rider acts as a saviour in case of fatal accidents that may leave the owner-rider severely injured. It offers an additional personal accident cover to the owner-driver which is over and above the basic compensation amount of a bike insurance policy.
Emergency Medical Expense Cover Emergency medical expense cover reimburses the costs of emergency medical treatment of the rider and the pillion rider in case of an accident. The compensation also includes the ambulance charges incurred in transporting the injured riders.
Additional Third-Party Property Damage Cover Although third-party and comprehensive bike insurance already covers third-party losses, this additional rider offers extra support in case of third-party property damages and reduces your financial liability in an unfortunate event.
Consumable Expense Cover Accidental damage can also damage the bike’s consumables. Adding a consumables expense cover allows you to avail of reimbursement for the replacement, repair or replenishment of consumables in your bike after accidental damage. The consumables in the bike may include gearbox oil, nuts/bolts, brake oil, engine oil, etc. But it does not compensate for the fuel in the bike.
Roadside Assistance Cover As the name implies, roadside assistance cover offers round-the-clock service if your bike’s breakdown leaves you stranded in the middle of a journey. You can call 1800-266-7780, after which Tata AIG will send a team to assist you with emergency mechanic service, tow service or refuelling of the bike.
Things Covered and Not Covered under Tata AIG’s Bajaj Discover 125 Insurance
Comprehensive bike insurance is effective against unforeseen financial or legal losses. It provides compensation for an array of bike damages. However, it does not offer any respite for particular losses. So, it is crucial to know what is included and what is excluded under the policy.
Have a look at the table to understand the various inclusions and exclusions of comprehensive bike insurance:
|Inclusions under Bajaj Discover 125 Insurance||Exclusions under Bajaj Discover 125 Insurance|
|Bike damage caused due to natural calamities such as cyclones, earthquakes, floods, etc.||Bike’s depreciation due to regular wear and tear|
|Bike damages incurred during transit||Bike damage caused due to commercial use or racing activities|
|Financial or legal liabilities resulting from third-party injury/death and property damage||Losses resulting from driving without a valid driving license|
|Accidental damages to your bike and accidental injuries||Damages incurred outside the geographical location specified in the policy|
|Bike damages due to burglary, theft or housebreaking||Losses to bike incurred during war or nuclear threats|
|Losses caused by explosion, lightning or self-explosion||Damages resulting from driving under the influence of intoxicating items|
|Man-made damages caused during riots, strikes, vandalism, etc.||Bike damages caused due to mechanical or electrical breakdown|
|Bike’s loss or total damage||Consequential loss|
Why Is It Important to Have Tata AIG for Your Bajaj Discover 125 Insurance?
Here are some reasons that make Tata AIG one of the best choices for your bike’s protection**
Affordable bike insurance premiums By buying comprehensive bike insurance from Tata AIG, you can avail of substantial discounts on premiums which can go up to 75% if you buy the policy online. Hence, Tata AIG allows you to protect your bike from several damages without an extra financial burden.
Hassle-free process of renewing or buying bike insurance Tata AIG’s hassle-free process of bike insurance purchase or renewal saves you time and effort. With a few clicks, you can get your bike insurance policy online. You can also buy long-term two-wheeler insurance for your bike and remain stress-free about renewing it yearly.
Widespread network of cashless garages all over India Tata AIG has a huge network of over 7500 cashless garages across the country. Therefore, by buying comprehensive bike insurance from Tata AIG, you can avail of cashless repair services anywhere in India.
Seamless claim settlement process Tata AIG not only offers seamless buying/renewal of bike insurance but also ensures that your claims are settled in a timely manner. Supported by 650 claim experts all over the country, Tata AIG provides a swift and easy claim settlement procedure. You can file your two-wheeler insurance claim by visiting our website or calling on 1800- 266-7780. By submitting relevant information and documents, you can track your claim settlement process online, which is settled after the examination.
Excellent claim settlement ratio Tata AIG has a 98% claim settlement ratio for FY 2020-21 due to its high commitment towards its customers and experienced claim experts. With quality services and hassle-free claim settlement procedure, Tata AIG has won the trust of more than 5 crore customers.
Range of riders Apart from multiple motor insurance policies, Tata AIG also offers a unique range of riders that complement comprehensive bike insurance and enhance its coverage. You can pick suitable riders such as roadside assistance cover, zero depreciation cover and others to ensure extra safety at extra costs.
Overview –Bajaj Discover 125 Bike Model
Bajaj Auto introduced the updated version of Discover 125 with a higher engine displacement than its outgoing model. Powered by a 124.5cc engine, the new Bajaj Discover 125 possess similar graphics to its 110 version. While the commuter design is traditional in style, the new LED DRLS, tail lamp and seat offer it a distinct look. The Bajaj Discover 125 is available in four attractive colour schemes- Flame Red, Ebony Black with Red Graphics, Electron Blue, and Ebony Black with Blue Graphics. With a starting price of INR 57,165, the Discover 125 has the following key specifications**
Engine type Single cylinder, twin-valve, DTSi with ExhausTEC
Engine displacement 124.5cc
Maximum power 10.84bhp at 7500rpm
Maximum torque 11Nm at 5500rpm
Start type Kick and electric starter
Transmission 5-speed gearbox
Top speed 100kmph
Ground clearance 165mm
Kerb weight 120.5 kgs
Fuel tank capacity 8 litres
CBS with equaliser
Part-digital instrument cluster
LED daytime running lamps
Bajaj Discover 125 Bike Price and Variants
The variants of Bajaj Discover 125 are as follows:
|Variant||Last Recorded Price (Ex-Showroom Delhi)*|
|Discover 125 Drum||₹57,165|
|Discover 125 Drum CBS||₹58,752|
|Discover 125 Disc||₹59,488|
|Discover 125 Disc CBS||₹62,253|
*Prices of Bajaj Discover 125 varied according to locations across the country.
Unique Selling Points: Bajaj Discover 125 Bike Features
First launched in 2004, Discover has got timely updates in its engine platform and features. The Discover range by Bajaj Auto has gained huge success in India’s “Deluxe Commuter” category and is known for its high fuel efficiency. With its handsome looks and fun handling, Bajaj Discover is one of the most loved bikes by young as well as older riders.
Following are the USPs of the Bajaj Discover 125:
Design and finish: The muscular stance and handsome looks of the Discover 125 resemble the bigger looks of a 150cc bike. The chrome finish headlamp and attractive graphics give a sporting yet commuter look to the Discover 125 making it famous as a stylish commuter bike.
Riding posture and ergonomics: The bike’s foot pegs and handlebars are placed in perfect positions to give a comfortable riding position to the rider. The seat height is suitable for both tall and short people. While the seat allows short people to put their legs comfortably on the road, the tank position provides sufficient space for tall riders having long legs to ride in comfort.
Engine performance: Discover 125 is a reliable commuter bike that offers stress-free power delivery. With its high-performance engine and efficient gear system, the Discover 125 allows riders to roam around at low speeds while ensuring smooth pick-up. While commuter bikes offer low-mid-range performance between 60-70kmph, the Discover 125 can go up to the 90-100kmph mark without any stress.
Handling: Despite its bigger looks, the bike’s weight is spread in a way that helps in easy manoeuvring. Moreover, the small turning radius allows the rider to easily take sharp turns.
Fuel efficiency: Discover range by Bajaj Auto is popular for its fuel efficiency. With 60-65kmpl mileage on city roads, the Discover 125 is highly economical for daily commuters.
Transmission: The light clutch and efficient 5-speed gearbox ensure smooth shifting of gears which makes city rides effortless.
Rivals of Bajaj Discover 125
Some of the bikes that rival the Bajaj Discover 125 are:
Honda CB Shine
Hero HF Deluxe
Hero Splendor Plus
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
What type of bike is Bajaj Discover 125?
What type of bike is Bajaj Discover 125?
Bajaj Discover 125 is a premium commuter bike.
What is the real mileage of Discover 125?
The real mileage of Discover 125 is reported to be 60kmpl.
How can I save on my bike insurance premium?
You can save on bike insurance premiums in the following ways:
Ride your bike responsibly and avoid raising minor claims to avail of NCB benefit Select the correct IDV Renew your bike insurance before it expires Do not buy unnecessary add-on covers
How can I use a two-wheeler insurance premium calculator?
Go to the two-wheeler insurance page on the Tata AIG website and enter your bike’s registration number in the calculator Click “Renew” if you are an existing policyholder or click “Get a Price” for a new policy issue Submit the relevant information and click “See Price” The calculator will display the correct bike insurance premium
What is covered by comprehensive bike insurance?
Comprehensive bike insurance offers extensive coverage and includes the following: Own damages caused by natural disasters such as cyclones, earthquakes, floods, etc and man-made disasters like riots, strikes, vandalism, etc. Fire, explosion, self-ignition and lightning damages Damages caused during transit Damages caused by accidents Third-party liabilities Personal accident cover Total loss or damage to the bike Damages due to theft, burglary or housebreaking
What is the process to renew Bajaj Discover 125 bike insurance?
For Bajaj Discover 125 insurance renewal online, follow the steps below: Go to the two-wheeler insurance page on the Tata AIG website and enter your bike’s registration number. Click “Renew” Submit the necessary information to get a bike insurance quote. Choose the coverage and the IDV (Insured Declared Value) from the list provided After fetching the details, Tata AIG will display the premium amount for your Bajaj two-wheeler insurance You can buy suitable add-on covers and customise your Bajaj bike insurance policy Proceed with the payment by choosing a payment method. Once Tata AIG receives your payment, it sends your Bajaj Discover 125 insurance online
Disclaimer: All the bike prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.