Hero Ignitor Insurance
Self Service Options
Make changes to your policy & update
your contact details.
Make changes to your policy & update
your contact details.
Print policy document and view
renewal notice
Print policy document and view
renewal notice
Hero Ignitor Insurance
The Hero Ignitor is a 125cc motorcycle produced by Hero MotoCorp, one of the largest motorcycle manufacturers in India. It features a fuel-efficient engine, a sporty design, and a comfortable riding position. It is popular amongst young riders looking for stylish and affordable bikes with good fuel economy.
The bike is also equipped with an electric start, alloy wheels, and a digital instrument console. The Hero Ignitor is available in various colours and is known for its reliability and low maintenance cost.
Being easy to manage and fuel-efficient, the Hero Ignitor has grown in popularity among young bikers in the country. While it is essential to adhere to traffic rules and norms to ensure complete protection of your bike against mishaps, it is important to buy comprehensive insurance for your 2-wheeler.
In India, all bikes must have a third-party bike insurance policy as per the guidelines of the Motor Vehicles Act, 1988. However, these plans offer coverage for third-party liabilities only. Therefore, if you are looking for complete protection for your Hero Ignitor, then you need to opt for a comprehensive Hero Ignitor Insurance policy.
While searching for insurance for your 2-wheeler, you will come across a range of bike insurance plans. Therefore, before making the purchase, it is important to compare two-wheeler insurance plans and find the best protection for your Ignitor.
With Tata AIG, you can be assured of the best comprehensive Hero Bike Insurance policies that can be tailored to your needs.
Purchase or Renew Hero Ignitor Insurance Online with Tata AIG
With Tata AIG, you can buy and/or renew Hero Ignitor bike insurance plans in no time from the comfort of your home. We offer a platform to help you compare policies and calculate the premium using our free online bike insurance calculator. This can allow you to buy a policy as per your specific needs. Here is how you can buy Hero bike insurance online from us:
- Visit our official website
- Go to the Two-wheeler Insurance page
Choose between buying a new policy and Hero bike insurance renewal:
For buying a new policy, enter your bike’s registration number and click “Get Price”
For renewing your existing Tata AIG Hero Ignitor policy, enter your bike’s registration number and click “Renew existing Tata AIG policy”
You will be required to provide various details about your bike and insurance policy along with your contact details to get Hero Ignitor insurance price
Once we receive these details, we will offer a list of Insured Declared Values (IDVs) for Hero Ignitor. Ensure that you choose the IDV carefully, as it will impact the sum insured and the premium of the policy
If you have an existing policy, you will be required to declare any previous claims you would have filed. If not, then you can select the No Claim Bonus option to get a discount on the Hero bike insurance renewal price
After these details have been entered, we will display the final premium amount on the screen.
If the premium is within your budget and the features are as per your requirements, then you can pay the premium using any one of the listed digital payment methods
Once we receive the payment, we will email the policy documents to you
Hero Ignitor Insurance Price – Your Premium Amount
The premium of a comprehensive Hero Ignitor insurance policy is determined by a lot of factors including:
- Type of bike: The make, model, and engine size of the bike can affect the premium. High-end or sporty bikes generally have higher premiums than standard or economy bikes.
- Age of the bike: Older bikes may have higher premiums due to the increased likelihood of a breakdown or an accident.
- Insured Declared Value (IDV): The IDV is the current market value of the bike and is used to determine the amount of coverage. A higher IDV will result in a higher premium.
- Coverage: The type and amount of coverage selected can also affect the premium. For example, a policy with comprehensive coverage will have a higher premium than a policy with third-party coverage only.
- Riding history: The riding history of the policyholder, including any past accidents or violations, can also impact the premium.
- Add-on covers: If the policyholder opts for additional coverage, such as roadside assistance or zero depreciation, the premium will be higher.
- Location: The location of the policyholder can also affect the premium. Premiums may be higher in areas with higher rates of accidents or theft.
- No Claim Bonus (NCB): If the policyholder has a good driving record and has not made any claims in the past, they may be eligible for a No Claim Bonus, which can lower the premium.
Things Covered and Not Covered under Hero Ignitor Insurance
Before buying a comprehensive bike insurance policy, it is important to look at the policy terms and the list of inclusions and exclusions.
While a comprehensive bike insurance policy offers complete protection, there are some exclusions too. Here is a quick look at the damages covered and not covered under Tata AIG’s Hero Ignitor policy:
| Things covered under Tata AIG Hero Ignitor Insurance | Things not covered under Tata AIG Hero Ignitor Insurance |
|---|---|
| Third-Party Liability coverage: If the insured bike causes an accident that damages or injures other people or their property, then the policy offers coverage. | Wear and tear: A bike goes through wear and tear over time. The policy does not offer coverage for damages caused due to such wear and tear. |
| Own Bike Collision Coverage: If the insured bike gets damaged due to an accident or collision, then the policy offers coverage regardless of whose fault causes the collision. | Mechanical or Electrical breakdown: If your bike suffers damages due to a mechanical or electrical breakdown, then the policy will not offer coverage. |
| Non-collision coverage: If the insured bike gets damaged due to a natural disaster like an earthquake or flood; man-made disasters like riots, vandalism, or acts of terror; fire, or theft, the policy offers coverage. | Intentional damage: No coverage for damages caused to your bike intentionally. |
| Personal Accident Coverage: If the bike owner gets injured during an accident, then the policy covers the medical expenses. It also offers disability and death benefits. | Driving under the influence: It is illegal to drive under the influence of alcohol or drugs. If you cause an accident while driving under the influence of any such substances, the insurer can reject your claim. |
| Add-on covers: You can choose from a range of add-on covers like roadside assistance, zero depreciation, etc. to customize the coverage as per your needs. | Illegal activities: No coverage for any damage caused if you have engaged in any illegal activity. |