Hero Destini 125 Insurance

When you choose Tata AIG as your insurance partner, you can buy Hero bike insurance online in no time. You can also opt for Hero bike insurance renewal by following a few simple steps. Here is a quick look at the steps you can follow to buy or renew Hero bike insurance:

• Visit our official website

• Buying and renewing a bike insurance policy can be done from the Bike Insurance Page. Navigate to this page by scrolling to the top of the home page and clicking on All Products >> Bike Insurance

• Enter your registered mobile number and click on “Get Price” to purchase a new Hero Destini 125 bike insurance policy. If you already have an existing Tata AIG Destini 125 insurance plan, then you can renew it by clicking on “Renew”

• Provide some personal information and details of the bike and existing insurance policy

• Choose the right IDV for your Destini 125. This is an important step since the iDV helps determine the sum insured by the policy, which in turn impacts its premium. Make sure that you don’t select a very high or very low IDV, as it can impact the premium or sum insured.

• Choose the right add-on cover based on your requirements. Before choosing add-ons, carefully review the policy documents to understand the inclusions and exclusions. Remember, add-ons increase the premium. Hence, only choose the ones you need.

• Select the voluntary deductible amount. This helps you reduce the premium of the policy by agreeing to pay a specified amount at the time of every claim settlement. Don’t opt for a very high voluntary deductible. While this might get you a sizeable discount on the premium, it will increase your liability during claim settlement.

• If you are renewing your policy, then provide details of the claims filed during the previous policy term

• We will calculate the premium based on your choices and make an offer

• If the terms and the premium are within your expectations, then pay the premium using a digital payment method and receive the policy documents via email

The premium for a comprehensive Hero Destini 125 bike insurance policy is calculated using a range of factors that help determine the risks associated with providing coverage and the coverage amount.

At Tata AIG, we carefully consider all aspects to offer a cost-efficient policy that offers optimum coverage. Here is a quick look at the factors:

The two-wheeler: A high-end two-wheeler will have high repair costs and expensive spares. Hence, when we cover such a bike, we increase the premium to manage the high repair bills per claim. We look at the make and model of the bike to determine its repair costs. We also consider the age of the bike since older bikes are usually cheaper to repair and adjust the premium accordingly.

Coverage: A third-party bike insurance policy has a premium fixed by the IRDAI. However, when you opt for a comprehensive policy, the sum insured plays an important role in determining its premium. The choice of add-on covers increases the premium too.

Location: People living in areas where crime rates are higher tend to pay a higher premium due to the increased risks of theft. Also, people riding their bikes regularly through accident-prone areas are charged a higher premium for the policy.

Calculate your Hero Destini 125 insurance with our online bike insurance calculator.

Get added protection against specific circumstances with 7 add-ons with your Hero Destini 125 insurance.

• Zero depreciation cover

• Return to invoice cover

• Roadside assistance cover

• Consumables cover

• Personal accident cover

• Emergency medical cost cover

• Additional third-party damage cover

Here is a list of things covered and not covered under a Hero Destini 125 bike insurance policy:

Comprehensive Coverage: Tata AIG comprehensive bike insurance provides a wide range of coverage options, including third-party liabilities, accidental damage, natural disasters, personal accident cover, pillion passenger cover, roadside assistance, and engine protect cover.

Customisable Plans: Tata AIG comprehensive bike insurance offers a range of coverage options, allowing policyholders to choose the level of protection that best meets their needs.

Convenient Online Purchase: Tata AIG comprehensive bike insurance can be easily purchased online, making it convenient for policyholders to get the coverage they need.

Cashless Claims: Tata AIG comprehensive bike insurance offers a cashless claims service, which means that policyholders can get their bike repaired at a network garage without having to pay out of pocket.

Round-the-Clock Assistance: Tata AIG comprehensive bike insurance provides 24/7 customer support, ensuring that policyholders have access to assistance whenever they need it.

Expert Claims Handling: Tata AIG has a team of experienced claims handlers who work to ensure that policyholders receive a fair and prompt settlement of their claims.

Affordable Premiums: Tata AIG’s comprehensive bike insurance offers affordable premiums, making it a cost-effective option for protecting your bike.

The Hero Destini 125 has been designed for comfort and mileage – two important aspects that Indian scooter owners look for. Here are some key features and specifications of the Hero Destini 125:

The Hero Destini 125 is designed to be a modern two-wheeler that offers comfort and convenience to the rider. Here are some unique selling points of the Hero Destini 125:**

Xsens Technology: The proprietary Xsens technology by Hero Motocorp senses the riding conditions and optimises the performance of the engine and fuel utilisation accordingly.

Idle-Stop-Start System (i3S): The scooter has an i3S system that saves a lot of fuel by turning off the engine if it is idle. The best part is that you don’t have to start it again. A simple throttle can get it started instantly.

Side Stand Indicator: Many two-wheelers meet with an accident or mishap because of the unretracted side stand getting stuck in something. The Hero Destini 125 has an indicator to ensure that the driver does not forget to retract it.

Mobile Charging Port: You can charge your mobile phone on your Hero Destini 125 using the inbuilt charging port.

External Fuel Filler Cap: Unlike most of its competitors, you can refuel the Hero Destini 125 without having to lift the seat. The manufacturers have provided an external fuel filler cap.

Instrument Console: The two-wheeler has a semi-digital instrument console to display information about the speed, fuel, etc.

• Suzuki Access 125

• Honda Activa 125

• Yamaha Fascino 125 FI Hybrid