Ducati Bike Insurance

Purchasing an insurance policy for a bike has become a simple and less time-consuming process. You can access the different products and customisable options for Ducati bike insurance online. Using our Tata AIG bike insurance premium calculator, you can compare these options against their costs and determine the right policy for your bike insurance needs. The Ducati bike insurance renewal procedure is similar to the purchase procedure, and you can get it done online.

Here are the steps for the bike insurance purchase and renewal online with Tata AIG.

• The two-wheeler bike insurance page is available on our official website. It is present under the "All Products" tab.

• Provide the essential details, such as the bike insurance registration number and click on 'Get Price'.

• Choose the "It's A New Vehicle" if it is a new bike and the "Renew" if you are looking for a Ducati bike insurance renewal.

• After you have chosen the basic options, provide the necessary personal information and the bike details as prompted by the system. Suppose you are renewing your Ducati motorcycle insurance. In that case, you can avail of the No Claim Bonus benefit if you have not made any claims in the previous year to reduce the bike insurance premium.

• If it is a new Ducati motorbike insurance, you must provide the appropriate Insured Declared Value to get the necessary coverage for your claims. The lower the IDV, the lesser the coverage for your bike insurance and the higher the IDV, the greater the premium.

• Understand the different types of bike insurance plans, and choose between third-party, stand-alone or comprehensive bike insurance based on your requirements and affordability.

• At Tata AIG, we also provide a good range of add-on options. They are available at an additional cost. Therefore, understand each of them and choose the most required add-on covers.

• Once all the information is provided, our system will provide the Ducati bike insurance price.

• If the Ducati bike insurance cost is affordable, purchase the bike insurance online.

• We will send the bike insurance document to your registered email ID upon completing the process.

When purchasing an insurance policy for a bike, one of the most crucial aspects to consider is the bike insurance premium. You should ensure it provides sufficient coverage for your Ducati bike, while it is affordable long term to stay insured. The premium for your bike insurance depends on various factors.
It is essential you understand the importance of each of these factors and their contribution to the price to determine the most affordable premium.

Some of the most key factors that affect Ducati two-wheeler insurance are:

• Insured Declared Value

• Engine cubic capacity

• Age of your two-wheeler

• Make and model

• Add-on covers

Type of bike insurance policy

In addition, the safety devices and modifications made to your bike, geographical location, and the rider's age and driving record will affect the price.

The Insured Declared Value(IDV) is the most crucial factor determining the Ducati bike insurance premium among these and represents the maximum compensation you will receive on total damage. The IDV is the current market price of the bike. In addition, it accounts for depreciation over the years.

Choosing a higher IDV can increase the premium but provide higher coverage. On the other hand, a lesser IDV can reduce the premium but reduce the coverage. Decide on the coverage required and finalise the premium based on the type of policy and the add-on covers.

Individual insurance providers offer specific add-on covers to enhance the coverage. The add-on covers provide financial protection specific to certain scenarios. You can decide on these add-on covers based on your usage and drive quality. For example, if you are riding your motorbike regularly in an accident-prone zone, you can purchase an emergency medical expenses add-on to cover your medical expenses.

Here is a detail explaining the add-on covers available for your Ducati motorbike insurance.

Depreciation allowance - Depreciation is one factor that will reduce the claim amount. With the depreciation allowance, also called zero depreciation, you can get the cost of depreciation reimbursed, increasing the claim benefit.

Return-to-invoice cover - The claim benefit on your bike insurance on total damage is equal to the Insured Declared Value. However, with the return-to-invoice cover, you can increase the claim benefit by including the invoice cost of the bike, considering the registration fees, road taxes, etc.,

Emergency medical expenses - With the emergency medical expenses cover, you can enhance the coverage by ensuring a financial benefit to managing the treatment costs in the event of an unexpected accident.

Additional personal accident cover - In the event of an accident, if the rider meets with an unexpected death, the family will receive a sum assured as an additional benefit with the additional personal accident cover.

Additional third-party property damage cover - Third-party and property damages are covered under the comprehensive and third-party bike insurance plans. With the additional third-party property damage cover, you can receive additional financial benefits for the third-party liabilities for these bike insurance plans.

Roadside assistance - The roadside assistance add-on extends support by providing the necessary assistance when you are held with your bike due to a dead battery, flat tyre, etc.,

Consumables expenses - If an accident causes the loss of consumables such as distilled water, lubricants, engine oil, etc., the consumables expenses add-on will reimburse the cost.

It is important to note that including add-ons in your Ducati motorcycle insurance can increase the premium. However, it is certainly worth the investment considering the enhanced financial benefit. Therefore, understand, analyse, compare and choose the right add-on covers based on your affordability and requirement.

The primary purpose of purchasing an insurance policy for a bike is to ensure sufficient coverage as the claim benefit when you are in extreme need. However, you must be aware of the fact that your Ducati bike insurance policy may not cover certain damages. Therefore, you must be well versed with the bike insurance policy inclusions and exclusions to ascertain the benefits when you are in need of them.

Here is a detail about our Tata AIG Ducati bike insurance inclusions and exclusions.

The price will vary based on the city and the dealership where you are purchasing the bike.

Ducati bikes are known for their high-end motorcycles. Their unique selling points add to their great styling and superior performance.

Innovation- Innovation is a secret formula for the Ducati bike family. Their product innovations based on changing mechanical and electronic needs have resulted in the introduction of various types of bikes.

Exhaust system- The Ducati bikes have well-crafted exhaust systems. For example, the Ducati Panigale has a completely equipped exhaust assembly designed for racing. It enhances the weight-to-power ratio for the best accelerations.

Turn-by-Turn navigation system- It is an exclusive feature found in the Ducati DesertX model that uses the motorbike's TFT cluster instrumentation to show route assistance without the need for an external device or application.

Competing with Ducati bikes can be challenging. Ducati offers wide-ranging options with different models to suit various purposes.

Some of the top rivals of Ducati bikes are:

• Harley Davidson

• Benelli

• Suzuki

• Honda

• Yamaha Motor