BGauss Scooter Insurance

If you want to purchase new insurance for bikes or renew your existing Tata AIG bike insurance policy, then you can do it online by following some simple steps. You can choose the policy as per your needs, select add-on covers, compare prices, and complete the process in no time.

We also have a dedicated customer support team to help you with any queries you might have.

Here are the steps for buying or renewing a BGauss Scooter Insurance Policy with Tata AIG:

• Visit www.tataaig.com. This is our official website that offers the option of buying and renewing bike insurance policies

• Start by clicking on “All Products” on the homepage

• A drop-down menu will appear. Click on “Bike Insurance” from the displayed options

• This will take you to the page where you can buy or renew a bike insurance policy

• Begin the process by providing your bike’s registration number

• If you want to purchase a new policy, then click on “Get Price.”

• If you already have a BGauss policy from Tata AIG and want to renew it, then click “Renew.”

• Complete the form for new application/renewal. You will have to provide details of your bike like its make, model, and IDV or the Insured Declared Value, and some personal information

• With a comprehensive policy, you also have the option of choosing add-on covers based on how and where you intend to use the bike

• For policy renewals, keep these points in mind:

• Provide complete details of your existing policy

• Make sure that you declare any accidents or claims made in the past

• If there are no claims made, then you can avail of a discount on policy premium called a No Claims Bonus

Once all the details are submitted, we will display the offered premium and terms of the policy

Pay the premium only if you agree with the terms and are comfortable with the premium

Once the payment is received, we process your application and send a soft copy of the policy to your email address registered with us

By following these steps, you can successfully ensure financial protection and insurance coverage for your BGauss Scooter.

At Tata AIG, we lay a lot of emphasis on transparency and make sure that you are aware of all costs and charges before buying the policy.

We also offer a free online bike insurance calculator to help you assess the potential cost of the policy before signing the dotted line.

The premium of a BGauss electric scooter insurance is based on many factors including:

Third-party BGauss electric bike insurance:

If you are planning to buy a third-party liability insurance policy for your BGauss scooter, then the premium will be determined by the Insurance Regulatory and Development Authority of India (IRDAI) based on the cubic capacity (CC) or engine capacity of the scooter. The premium amount is the same across insurance providers since the IRDAI centrally controls it.

Comprehensive Electric scooter BGauss insurance:

If you are looking for complete protection and decide to opt for a comprehensive policy, then it is important to remember that the premium of such policies is affected by many factors, like the make and model of the bike, its age, location and IDV.

When you choose the IDV for your BGauss scooter, make sure that you stick as close to the market value as possible. The IDV is the estimated current market value of the policy. If your bike is stolen or damaged beyond repair, then we reimburse the IDV as the claim settlement. The bike dealer can provide the IDV of your electric scooter.

In India, it is legally required for every bike owner to have a third-party bike insurance policy. These policies offer coverage from third-party liabilities arising due to an accident or mishap caused by the insured bike.

However, they do not cover damages to the insured bike itself. Hence, many bike owners opt for a comprehensive policy for complete coverage.

When you purchase a comprehensive BGauss electric scooter insurance plan, you have the option of customizing the plan using add-on covers. Each add-on is available at an additional cost. Hence, make sure that you choose it only if it fits your requirements. We currently offer 7 add-on covers as described below:**

Zero Depreciation: Usually, when a claim is settled, we cover the cost of repairing or replacing any damaged part after factoring in depreciation. However, with a zero depreciation cover, you can get a claim settled of the complete amount without any deduction for depreciation.

Return-to-Invoice: While the IDV is the current market price of the scooter, the invoice value is the price you paid to purchase it. The IDV is usually lower than the invoice value. If the bike is stolen or damaged beyond repair, then a regular comprehensive policy will reimburse the IDV of the bike. However, with this add-on, you can get the invoice value reimbursed.

Emergency Medical Support: If you and/or your pillion get injured during an accident while on the insured bike, then this add-on can offer coverage for the medical expenses incurred for the treatment.

Additional Personal Accident Cover for the Owner-Driver: This add-on offers additional protection to the owner-driver if an accident while riding the insured bike results in the death of the owner-driver.

Additional Third-Party Property Damage Cover: While third-party liabilities are already covered in comprehensive bike insurance plans, this add-on offers additional cover for such liabilities.

Consumables Expenses: A comprehensive two-wheeler insurance plan usually does not cover the cost of consumables like nuts, bolts, oils, and lubricants. However, with this add-on, you can get coverage for these costs too.

Roadside Assistance: If your scooter breaks down or meets with an accident, then this cover will get you emergency assistance like battery jump-start, emergency fuel, etc. in no time.

When you purchase a comprehensive two-wheeler insurance policy, it is important to go through the list of inclusions and exclusions as it will help you understand the scope of the policy. Here is a quick look at some of the common inclusions and exclusions of a Tata AIG comprehensive two-wheeler insurance plan:

Note: The prices may differ per the different Indian cities.

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