Bgauss Scooter Insurance
BGauss Scooter Insurance
BGauss is an EV manufacturing company offering a range of premium electric scooters at affordable prices. Its parent company, RR Global and RR Kabel, has been a prominent name in the electrical industry. BGauss was launched in 2020 to change mobility in India with life-enhancing solutions.
The company started with the launch of two electric scooters with a clear focus on manufacturing vehicles completely in India, in sync with the country’s “Make In India” initiative. BGauss scooters are designed with the latest technology to make long-distance and regular commutes better for people.
BGauss scooters are powerful and offer a good range and top speed. However, riding a two-wheeler is fraught with risks. An accident or a collision can damage your scooter, injure you, or cause damage to a third party. The financial liability of managing such incidents can dent your finances.
Hence, it is crucial to have a comprehensive two-wheeler insurance policy that helps you easily manage these costs. While third-party bike insurance is mandatory in India, it does not cover damages to your scooter. Hence, opting for a comprehensive policy is a better option.
Tata AIG offers third-party and comprehensive bike insurance plans that can be purchased and renewed online hassle-free. While most policies have a standard term of one year, you can also opt for a long-term two-wheeler insurance plan to avoid the hassle of renewing it every year. Make sure that you assess your potential use of the scooter and choose the right insurance plan to enjoy the freedom of riding.
Keep reading to learn more about BGauss Scooter Insurance and how to purchase one through Tata AIG.
Purchasing or Renewing Your BGauss Scooter Insurance Online with Tata AIG
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.
BGauss Bike Insurance Price – Your Payable Premium Amount
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.
Additional Rider Plans for Your BGauss Scooter
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.
Things Included/Excluded Under Tata AIG’s Scooter Insurance for BGauss
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:
|Things included in Tata AIG BGauss Insurance||Things not included in Tata AIG BGauss Insurance|
|Own Damage Cover: With a comprehensive BGauss scooter insurance policy, you get coverage for damage to your scooter and injuries sustained by you during an accident involving the insured scooter. The damages to the bike include those sustained due to accidents, collisions, natural calamities, man-made disasters, fires, and theft.||Regular Depreciation: A comprehensive policy will not cover the costs of repair caused due to regular wear and tear of the scooter, electrical or mechanical failure, or any defect caused due to time.|
|Total Loss Cover: If your scooter is stolen and deemed untraceable by police or it is damaged beyond repair, then it is termed as “total loss”. In such cases, a comprehensive policy reimburses the IDV of the scooter.||Racing and Speed Tests: If you use your scooter for racing or testing speed and it suffers damages, then the policy will not offer coverage.|
|Third-party Cover: With a comprehensive two-wheeler insurance policy, you get coverage for third-party liabilities arising due to an accident or collision caused by the insured scooter.||Driving Without License: It is illegal to ride a scooter without a valid driving license. If your bike meets with an accident when you were driving without a valid driving license, then the policy will not cover the costs.|
|Personal Accident Cover: As mandated by law, the comprehensive policy includes a Personal Accident Cover of ₹15 lakhs.||Commercial Usage: If you have purchased the scooter for personal use but deploy it for commercial reasons and it gets damaged, then the policy will not offer coverage.|
|Add-on Covers: When you purchase add-on covers, you extend the coverage on your policy. This will depend on the choice of add-ons.|
|BGauss Scooter Variants||On-Road Pricing (ex-showroom New Delhi)|
|BGauss D15 Pro||₹1,45,651|
|BGauss C12i Max||₹1,26,153|
Note: The prices may differ per the different Indian cities.
Top Competitors of BGauss Scooters
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Which insurance is best for scooters in India?
Which insurance is best for scooters in India?
While a third-party liability insurance policy is mandatory for scooters in India, most people opt for a comprehensive policy since it offers better coverage. Also, Tata AIG is one of the most reliable names in scooter insurance in the country.
What is the use of scooter insurance?
The two primary reasons why every scooter owner should have a scooter insurance policy: It is mandatory to have a third-party liability insurance If you opt for a comprehensive policy, then it offers coverage for damages to your scooter, injuries to yourself, and third-party liabilities. Hence, you can ride without worrying about managing incidents and mishaps.
How do I check my scooter insurance details?
There are many ways to check the details of your scooter insurance policy. Through the insurance provider. If you have purchased a policy through Tata AIG, then you can visit our website, go to the Self-Service tab, enter your policy number and get the details of the policy. Through IIB. The IRDAI has developed a web portal called Insurance Information Bureau (IIB) that has information about all policies issued in the country. You can enter details of your bike and some personal information to get details of your scooter insurance Through VAHAN. This is the website of the Ministry of Road Transport and Highways. Once you create an account with this portal, you can enter the registration number of your scooter and get the insurance details.
How much does the insurance of Scooty cost?
The cost of a Scooty insurance policy depends on a range of factors. If you are opting for a third-party liability-only policy, then the premium is determined based on the engine capacity of the Scooty. However, if you are opting for a comprehensive policy, then the premium will depend on Scooty’s model, age, location, and various other details.
Disclaimer: All the 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.