Hero HF 100 Insurance
Hero HF 100 Insurance
The Hero HF 100 is one of the most acclaimed and affordable commuter motorcycles available for sale in India. To cater to the demands of budget-constrained customers, the iconic two-wheeler brand tweaked its Deluxe series and launched the Hero HF 100 at a much cheaper price range.
While the looks of the Hero HF 100 are very similar to the Hero HF Deluxe, the company has offloaded some features to make it a fuel-economical and budget-friendly motorcycle. Most of the cycle parts and mechanicals are also the same as HF Deluxe. The HF 100 is powered by a BS6-compliant 97.2cc air-cooled, single-cylinder engine mated to a 4-speed manual gearbox.
After you explore all the features of the Hero HF 100 and complete the paperwork for its purchase, it is time to buy bike insurance. Having an insurance policy ensures that you avoid the burden of unforeseen expenses in case of an accident or theft of the motorcycle. Tata AIG offers different types of bike insurance policies for complete protection against damages to the bike, the bike owner, and third party.
These days, long-term two-wheeler insurance is a popular option. It eliminates the need to remember the renewal of your insurance policy every year as it allows you to insure your vehicle for two or three years by paying the premium in a single instalment.
At Tata AIG General Insurance Company, you can select from comprehensive, standalone own-damage cover, and third-party bike insurance online, depending on your requirements. Furthermore, you can enhance your insurance coverage by opting for unique add-ons like zero depreciation, consumable expenses, roadside assistance, etc.
Hero HF 100 Insurance Renewal/Purchase on Tata AIG
Many bike owners think that the process of buying or renewing a Hero bike insurance is quite tedious. One must fill out long application forms and submit physical documents at an insurance provider’s office. However, that’s not the case with Tata AIG. Our process for Hero bike insurance renewal and purchase is online. You do not have to visit any branch office to fill out forms or submit documents.
The steps to purchase or renew Hero bike insurance online at Tata AIG are as follows:
Open the Tata AIG official website, and go to the Bike Insurance page.
Provide your bike’s registration number and click on ‘Get Price’ for a new policy. If you are renewing your Tata AIG policy, click ‘Renew’ after entering the registration number.
Using the drop-down menu, select an accurate Insured Declared Value (IDV) for your motorcycle.
Note: Insured Declared Value or IDV is the present bike valuation in the market. It has a significant impact on the premium amount. Thus, it is vital to enter it correctly.
Enter details of past claims, if any. Policyholders who have not filed any claims in the previous policy year are eligible for the benefits of a ‘No Claim Bonus.’
Select add-ons to enhance coverage of your comprehensive bike insurance policy.
Note: Tata AIG offers a unique choice of seven add-ons. While these add-ons enhance coverage for additional protection, they also increase the premium. Thus, only pick necessary add-ons.
The Hero Bike insurance sum insured and premium quote will appear on your screen. Pay with one of the accepted digital payment methods if the Hero HF 100 insurance price suits your budget.
Once your payment is successful and your details are recorded with us, we will send your policy documents to your registered email address and WhatsApp Inbox.
If you have any queries about buying or renewing bike insurance online, get in touch with Tata AIG’s customer support team. We will be happy to offer resolutions and make the journey smooth and convenient for you.
Hero HF 100 Insurance Price - What is the Premium Amount?
A major factor influencing the choice of a bike insurance policy is the premium. Many factors, such as the coverage and type of insurance policy, bike’s make and model, age of the two-wheeler, city of registration, and add-on covers, affect the cost of insurance for the bike.
The engine type, cubic capacity, safety devices, age of the insured and driver record, and modifications of the bike also have an impact.
For instance, a third-party insurance premium is lower than a comprehensive bike insurance premium. It is because the coverage provided in a third-party insurance policy is much lesser than a comprehensive bike insurance policy.
Another factor affecting the premium amount is the Insured Declared Value (IDV). Therefore, ensure that you provide accurate information. To calculate IDV, you must subtract the two-wheeler’s depreciation cost from the vehicle’s listed market price.
You can use Tata AIG’s bike IDV calculator for ease of calculation. If the IDV is higher, you will need to pay a higher premium amount. However, a lower IDV does not guarantee savings; it could also mean reduced insurance coverage.
You can also use the online bike insurance premium calculator. Simply enter the two-wheeler’s registration number and press ‘Get Price.’ Select the coverage type, add-ons (in case of a comprehensive bike insurance policy), No Claim Bonus details and other information as required.
Press the ‘Get Quote’ button to know how much you need to pay for the insurance policy. You can reduce add-ons if the premium amount is not satisfactory.
Inclusions and Exclusions for Hero Bike Insurance
|What is covered under Tata AIG’s Hero HF 100 bike insurance?||What is not covered under Tata AIG’s Hero HF 100 insurance?|
|The comprehensive two-wheeler insurance policy provides coverage in case the bike gets stolen or damaged beyond repair by reimbursing the bike’s current value.||Under the bike insurance policy, there is no coverage for costs related to general wear and tear, electrical/mechanical breakdown, and consequential loss due to the bike’s age.|
|Under the two-wheeler insurance policy, the policyholder is protected against losses arising due to accidental damages, man-made damages, natural disasters, fire, etc.||If the bike incurs damages during racing, speed testing, or reliability trials, the insurance policy does not offer any coverage.|
|The third-party and comprehensive insurance plans offer protection against third-party liabilities, including bodily damages suffered by third-party because of your vehicle, third-party property, and even the death of third-party persons.||If the rider causes damages to the bike while riding without a valid driving licence or a helmet, the two-wheeler insurance policy does not cover the losses.|
|The policyholder receives a Personal Accident Cover of ₹15 lakhs to meet emergency medical expenses for the treatment of injuries suffered in an accident.||There is no coverage for damages if the private bike is used commercially. The policy also does not cover losses if the driver was riding under the influence of drugs, alcohol, or other intoxicants.|
|With comprehensive insurance for the bike, you can pick from a choice of 7 unique add-ons to enhance the insurance coverage and offer protection under specific circumstances.||The two-wheeler insurance policy excludes coverage if the bike is used under restricted usage conditions, such as flood-prone areas.|
Add-on Bike Insurance Covers That You Should Consider Including to Your Policy
Tata AIG offers a choice of unique add-ons to enhance the coverage of your comprehensive two-wheeler insurance plan. These additional riders ensure protection under specified circumstances. However, they are available for an additional cost. Thus, you must choose them wisely to avoid increasing your premium unnecessarily. Let’s briefly understand the benefits of each add-on.
Your bike can break down in the middle of the road. What do you do? Don’t worry. The roadside assistance add-on ensures that breakdown assistance is sent to your location immediately to tackle many issues like mechanical/electrical repairs, dead batteries, flat tyres, etc.
Emergency medical expenses:
The emergency medical expenses add-on reimburses emergency medical expenses and ambulance costs for the damages suffered during an accident. You can avail of reimbursement for the medical expenses incurred for your or the pillion rider’s treatment at any hospital or nursing home.
If you damage consumables in an accident, it leads to losses. With the consumables expenses add-on, you can get the costs of replenishment, replacement, and repair of consumables reimbursed. The consumables include bike screws, nuts/bolts, brake oil, gearbox oil, lubricants, washers, etc.
Under a comprehensive bike insurance policy, you receive the Insured Declared Value (IDV) in case your bike is stolen or damaged beyond repair. The Insured Declared Value does not include the depreciation. With this add-on, you are reimbursed for the vehicle’s invoice cost.
Additional personal accident cover for the owner-driver:
This add-on safeguards you and your family against severe injuries suffered in an accident. If the owner-driver’s life is lost in the accident, the appointed beneficiary receives a personal accident cover of ₹15 lakhs. The reimbursement amount increases with this add-on.
Additional third-party property damage cover:
Third-party liabilities are covered under comprehensive bike insurance and third-party bike insurance plans. With this add-on, you can avail of additional cover for third-party liabilities.
The NIL Depreciation or Zero Depreciation or Bumper-to-Bumper Cover helps you fight depreciation. When you file a bike insurance claim for the repair/replacement of your bike’s parts, the claim amount does not provide coverage for depreciation. However, with this add-on, depreciation is reimbursed.
Why Choose Tata AIG for Your Hero Bike Insurance Renewal/Purchase?
Riding the Hero HF 100 on Indian roads without valid bike insurance isn’t a good idea. The Motor Vehicle Act of 1988 makes it compulsory for bike riders to own a two-wheeler insurance policy, or else the traffic policy can levy hefty fines. Moreover, the policy is a financial safeguard as it protects the bike owner against damages suffered due to accidents, natural disasters, man-made damages, theft, etc.
Most consumers perform thorough research before buying an insurance policy. It is vital to check various parameters, such as the company’s credibility, performance record, products, after-sales services, etc. At Tata AIG, we promise to help you buy or renew Hero bike insurance online conveniently. There are many benefits to purchasing from us.
Easy purchase/renewal process:
The Hero bike insurance renewal or purchase process is 100% online, which means you do not have to travel to any branch office, wait in queues, discuss with agents, or fill out application forms. You can do all of it on the website within 2 minutes.
Pain-free claims process:
Meeting with an unforeseen event isn’t pleasant. That’s why we make the claim initiation process as simple as it can get. In three simple steps, you can register your claims on our official website. Our team of over 650 claim experts looks into the details and verifies the claim instantly to help you enjoy the benefits of cashless claims or reimbursement settlements.
Flexible plans and coverage:
At Tata AIG, you can choose from three insurance plans - comprehensive, third-party, and standalone own-damage. Each plan offers different coverage inclusions and exclusions. With long-term two-wheeler insurance, you can secure your bike for two or three years.
Tata AIG allows customers to customise plans as per their requirements. Apart from choosing the coverage type, they can select add-ons to enhance specific coverage. There are seven unique add-ons to ensure a 360-degree protection cover. In terms of claims, customers can opt for cashless and reimbursement claim settlement.
Wide garage network:
Our garage network is vast, with over 7500 garages spread out throughout the country. Visit any of our network garages for your bike repairs and avail yourself of the benefits of cashless claim settlement.
Efficient customer support team:
We take pride in the efficiency and promptness of our customer support team. We are available 24/7 to cater to the needs of our 5 crore happy customers. Get in touch with us on our toll-free number, 1800-266-7780, or send an email to firstname.lastname@example.org.
High claim settlement ratio:
In FY 2020-2021, Tata AIG’s claim settlement ratio was 98%. Thus, you can rest assured since the chances of receiving a claim are high.
A Brief Overview of Hero HF 100
The Hero HF 100 is a revamped version of the Hero HF Deluxe. There is only one version with two colour options - Nexus Blue and Black with Red. The bike’s body is black coloured with red or nexus blue graphics on the panels. It has an air-cooled, four-stroke, single-cylinder, OHC engine with a displacement of 97.2cc. It can generate a maximum power of 8.02 PS at 8,000 RPM and a peak torque of 8.05 Nm at 6000 RPM.
The engine is mated to a four-speed manual gearbox. It has telescopic hydraulic shock absorbers suspensions with 2.75-18 front tyres. The rear tyres have a swingarm with five-step adjustable hydraulic shock absorbers. There are drum brakes at the front and rear tyres. The clutch is a multi-plate wet type. The bike’s dimensions are 1965 mm long, 720 mm wide, and 1045 mm high. It has a ground clearance of 165 mm, with a wheelbase of 1235 mm. It has a fuel tank capacity of 9.1 litres and a kerb weight of 110 kg.
The Hero HF functions on a XSens with programmed FI technology. It is claimed to give a mileage of 83 kmpl. Its rugged tyres seem to be tubeless units.
Hero HF 100 - Variants and Prices
The Hero HF 100 is available in one variant only. It has an ex-showroom price of ₹56,968. There are two colour options - Nexus Blue and Black with Red. It is one of the most affordable commuter motorcycles from the iconic two-wheeler brand Hero MotoCorp.
Unique Selling Points - Hero HF 100 Features
Hero HF 100 has a single-cylinder 97.2cc air-cooled and fuel-injected engine capable of accelerating from 0 to 60 kmph in just 9 seconds.
The front telescopic hydraulic shock absorbers and rear swingarm with 5-step adjustable hydraulic shock absorbers make for a comfortable ride on all kinds of terrain.
Hero’s XSens technology helps in improving the durability, performance, reliability, safety, and fuel economy of the bike. The system uses a total of nine sensors, including bank angle, throttle position, engine oil temperature, i3S, manifold absolute pressure, vehicle speed, oxygen, crank position, and intake air temperature sensors.
The i3s or idle-start-stop system is Hero’s patented technology and works to save fuel and lower running costs.
The tubular cradle frame helps in adding strength and rigidity.
The side stand engine cut-off offers additional safety since the two-wheeler will not start till the stand is engaged.
Hero MotoCorp offers India’s first 5-year warranty on Hero HF 100.
Rivals of Hero HF 100
The Hero HF 100 is one of the most affordable bikes in India, guaranteeing fuel economy and more mileage. Its notable features include XSens programmed electronic fuel injection system with advanced sensor technology, all-weather easy start, better-pulling power in varying loads, side stand engine cut-off, and an engine cut-off at fall. Its rivals in the market are
Honda CD 110 Dream
Hero Super Splendor
Hero Splendor Plus
Bajaj CT 125X
Bajaj Platina 110
Hero HF Deluxe
Hero Glamour BS6
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Frequently Asked Question
How to Claim Hero Bike Insurance?
Claiming your Hero two wheeler insurance is easy when the claim process is as swift and simple as the one Tata AIG offers online. Here are the steps you need to follow:
- Visit the official Tata AIG website, go to the Claims page and click on “Initiate Claim”.
- Log in with your registered mobile number and click Confirm to proceed.
- Provide your Hero bike insurance policy number, the FIR details and other required details as mentioned on our online form.
- Our surveyor will check the damages on your bike and it will be sent to the nearest network garage for repairs.
- After this, we will initiate the claim settlement process.
- Once this settlement is fulfilled, your repaired vehicle will be returned to you.
For queries on the claim process or any other assistance, you can contact our support team and we will help you out!
How To Renew Hero Bike Insurance?
At Tata AIG, we can say that your Hero bike insurance renewal process will be quick and hassle-free when you follow our simple online process:
Visit our official Tata AIG website, go to the Bike Insurance page.
- Fill in your bike registration number on the calculator and click on “Renew”.
- The necessary details will be fetched by the bike insurance calculator after which you can mention the other details as required.
- If you have filed a claim previously, add the details. Otherwise, you can opt for the No Claim Bonus discount. At this step, you can also add or remove any add-on covers to your comprehensive bike insurance policy.
- You will then be able to view your Hero bike insurance renewal price. Once you make the payment, the policy will be renewed.
What is the price of a Hero bike?
The price of a Hero bike will vary depending on the model and the variant. The lowest price for a Hero bike is ₹49800 for the Hero HF Deluxe while the most expensive model is the Hero Xtreme 200S, priced at ₹1.24 lakhs.
How does the Zero Depreciation cover help my Hero bike insurance policy?
The Tata AIG Depreciation Allowance, also known as Zero Depreciation or Nil Depreciation, helps you claim the full insurance amount on the total loss of your bike, without factoring in the depreciation charges, as per the terms and conditions of the insurance policy. The Depreciation Allowance is, however, an add-on cover that can be included in your comprehensive bike insurance policy for an extra premium charge.
How soon should I complete my Hero insurance renewal to avail of the NCB?
It is advisable to complete your Tata AIG Hero bike insurance renewal online at least a few days before the policy is about to expire. That way you can ensure you do not miss out on the protection or the No Claim Bonus discount on premiums offered by the Hero two wheeler insurance.
However, if you forget to renew your Hero bike insurance on time, we offer you a grace period of 90 days during which you can easily renew your bike insurance policy online. But do note that after this grace period if the renewal is still not done, your policy will lapse and you will not be able to utilise the No Claim Bonus.
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.
Which documents do I need to submit to buy Hero HF bike insurance?
Many individuals struggle to understand the different terms and conditions of an insurance policy. At Tata AIG, we strive to make it easier for you and offer the answers to some frequently asked questions. If you’re still not satisfied and have doubts, feel free to reach out to our customer care.
Tata AIG offers a paperless process for buying bike insurance online. You do not have to submit documents such as a PAN card, vehicle RC, etc., for renewal or purchase of Hero bike insurance. Simply enter your registration number and click on ‘Get Price’ or ‘Renew’, depending on whether you are a new or existing customer. You will receive the policy on your registered email address and WhatsApp messenger within a few minutes.
How to calculate bike insurance premiums?
Premium is an important factor in determining the new policy cost and Hero bike insurance renewal price. You can use the bike insurance premium calculator to estimate how much money you need to shell out for the bike insurance policy. A premium calculator is a nifty tool that helps determine the exact premium you need to pay for the two-wheeler policy of your choice. When you access the calculator, you need to enter the vehicle’s details like registration number, make, model, etc. Pick the add-ons you wish to purchase and opt for the No Claim Bonus (NCB), if applicable. Press ‘Get Price’. You will see the exact two-wheeler insurance premium enabling you to buy the policy that fits your budget perfectly.
What happens if my insurance policy expires?
A two-wheeler insurance policy is mandatory for driving on public roads in India. Thus, you should remember to renew it before its expiry. You have a grace period of 90 days for renewal after the expiry date. If you fail to renew the policy within the grace period, you may lose the benefits of the No Claim Bonus, resulting in a higher premium amount. Long-term two-wheeler insurance is a good option to avoid missing renewal dates. It allows you to buy insurance for two or three years.
What is the difference between cashless and non-cashless claims or reimbursement in Hero HF 100 insurance?
When you get your two-wheeler repaired from any of the network garages, we pay the garage directly for repair charges. It is known as a cashless claim. But if you utilise the services of a garage that is not included in our garage network, you have to pay the repair charges. After the repair service is completed, you can file a reimbursement claim. We will verify the bills and transfer the claim amount to your account.
Is it possible to buy add-ons in the middle of the policy term?
Yes. You have the option of buying add-ons as long as the policy is active. However, it will lead to an increase in Hero HF 100 insurance price. You can discuss the same with any of our representatives on our toll-free number, 1800-266-7780.
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.