Hero Xtreme 200S Insurance
Hero Xtreme 200S Insurance
Hero MotoCorp launched the Xtreme 200R in 2018, the first 200cc offering by the brand. Although the bike was a naked machine with exceptional value, its design failed to inspire much. Later, Hero introduced the Xtreme 200S, similar to the Xtreme 200R in many aspects but with an updated design. It is also the brand’s first faired bike in a long time and gained popularity with its exceptional features and riding quality. Priced at ₹1.35 lakhs, the Xtreme 200S fits the needs of commuters as well as riders looking for bikes with sporty performance.
But to ride your Hero Xtreme 200S stress-free on Indian roads, you need to buy third-party bike insurance as per the Motor Vehicle Act of 1988. It provides financial security against third-party liabilities such as injury, death, or damage to property. But one crucial thing to remember is that third-party bike insurance only covers third-party liabilities.
Other than the mandatory third-party insurance, Tata AIG provides standalone own damage and comprehensive insurance for two-wheelers. The two policies are designed to give your bike the required safety from multiple risks, including accidents, theft, loss, natural calamities, riots, strikes, etc. While standalone own damage covers only the damages to the insured bike, comprehensive insurance, as the name suggests, offers comprehensive coverage for own damages plus third-party liabilities under one premium.
The following points sum up the reasons why you should buy comprehensive two-wheeler insurance for your Hero Xtreme 200S:
Makes you legally compliant and saves you from hefty fines.
Provides financial security in case of third-party liabilities- including injuries, death or property damage.
Gives a protective shield to your bike from multiple mishaps-including natural calamities, theft, accidents, riots, vandalism, etc.
Allows you to pick add-on covers and enhance your b
Purchase or Renewal of Hero Xtreme 200S Insurance
Purchasing or renewing your Hero bike insurance is now easy and hassle-free. With Tata AIG, you can avail of the policy through a simple online process without submitting physical documents. All you need to do is visit our website and follow the steps to buy or renew your Hero bike insurance online:
Go to the Bike Insurance page and enter your bike's registration number.
Click on 'Get Price' if you are buying Hero bike insurance for the first time.
If you are already a policyholder and wish for Hero bike insurance renewal with Tata AIG, click on 'Renew'.
Select the appropriate IDV (Insured Declared Value) of your Xtreme 200S.
Note: IDV represents the current market value of your bike and directly affects the premium of your Hero bike insurance. So, choose your bike’s IDV wisely.
Provide your claim history details. If you have raised zero claims in the past, you gain eligibility for the 'No Claim Bonus'.
If you are buying comprehensive insurance, you can pick appropriate add-on covers from the list for added security.
Note: The add-ons are offered at an additional cost thus increasing the overall Hero Xtreme 200s insurance price. So, it is wise to choose only the necessary riders.
The premium amount for your Hero Xtreme 200S insurance will be displayed after which you can go ahead with the payment.
Once payment is made, your Hero bike insurance documents are sent to the registered email address or WhatsApp number.
Note: You can also buy Hero Xtreme 200S insurance through a Tata AIG office.
Hero Xtreme 200S Insurance Price - Your Premium Amount
The following factors impact the premium amount for your Hero bike insurance:
Your bike’s IDV: IDV is your bike’s current market value based on which the insurance company compensates you in case of its total loss including theft and irreparable damage. It is calculated by considering your bike’s make and model, engine cubic capacity, type of use, city of registration, etc.
Type of policy: Premiums for third-party liability insurance are low and decided by the Insurance Regulatory and Development Authority of India. They are standardised based on a bike’s engine cubic capacity. On the other hand, standalone own-damage and comprehensive bike insurance prices are decided by the insurer and are higher due to enhanced coverage.
No Claim Bonus and other discounts: No Claim Bonus is offered when you have not filed any claim in the preceding policy tenure. It starts from 20% for the first claim-free tenure and extends up to 50% if you file no claims for five consecutive years. However, filing one bike insurance claim can lead to your NCB discount becoming zero.
Safety devices: Safety devices lower the chances of theft and therefore the chances of raising a claim. Due to this, the insurance company compensates you through lower bike insurance premiums.
Add-on covers: Add-on covers provide an extra layer of security to your bike and thus come at additional costs. So, adding them to the own-damage component of your Hero bike insurance can lead to increased premiums.
Comparing the prices of different insurance plans is essential to strike the right balance between coverage and price. Hence, it is advisable to compare policies online by using a bike insurance calculator. It helps you understand the price of your bike insurance and the factors that affect your premium.
Here are a few steps to know your Hero bike insurance renewal price or purchase price with the help of our two-wheeler insurance premium calculator:
Enter your Xtreme 200S registration number in the calculator.
If you want to know your Hero bike insurance renewal price, click “Renew”. But if you are a first-time buyer, click “Get a Price”.
Enter the required details and click on “See Price”. After fetching the details, the bike insurance calculator will display the premium amount.
What is Covered and Not-Covered for Hero Xtreme 200S Insurance
Before purchasing comprehensive insurance for your bike, we recommend you gain knowledge about the things covered and not covered under the policy. The table below gives a quick review and allows you to make an informed decision.
| Things included under Tata AIG's Xtreme 200S Bike Insurance | Things not included under Tata AIG's Xtreme 200S Bike Insurance |
|---|---|
| Financial or legal liabilities resulting from third-party injury/death and property damage | Damages to your Xtreme 200S incurred while driving under the influence of intoxicating items |
| Man-made damages to your Xtreme 200S caused during riots, strikes, vandalism, etc. | Depreciation of your Xtreme 200S due to regular wear and tear |
| Damage to your Xtreme 200S due to natural calamities such as cyclones, earthquakes, floods, etc. | Damages to your Xtreme 200S incurred while driving without a valid driving license |
| Damages to your Xtreme 200S incurred during transit | Damages to your Xtreme 200S due to its commercial use or racing activities |
| Damages to your Xtreme 200S due to accidents | Damages to your Xtreme 200S incurred during war or nuclear threats |
| Fire damages to your Xtreme 200S due to explosion, lightning or self-explosion | Damages to your Xtreme 200S due to mechanical or electrical breakdown |
| Damages to your Xtreme 200S due to burglary, theft or housebreaking | Damages to your Xtreme 200S incurred outside the geographical location mentioned in the policy |
| Total loss of your Xtreme 200S or irreparable damages | Consequential loss |
| Comprehensive bike insurance also includes a personal accident cover of INR 15 lakhs | Comprehensive insurance does not include the damages or liabilities covered through add-on covers |
Add-on Bike Insurance Covers That You Should Consider
Add-on covers are available when you buy standalone own-damage or comprehensive two-wheeler insurance. They are effective against losses or damages that are not included under comprehensive insurance. At Tata AIG, we offer unique add-on covers that are as follows:
| Add-on Covers | What does it cover? |
|---|---|
| Depreciation allowance | Covers the depreciation value of your two-wheeler’s parts. However, it is available for the first two claims of your standalone own damage or comprehensive policy. |
| Return-to-invoice cover | Covers the shortfall between your bike’s purchase price and the sum assured when you raise a claim for total loss or damage to your bike. It also includes the road tax and registration charges paid for the bike. |
| Emergency medical expenses | Cover the costs incurred in the treatment of the injured rider and the pillion rider in case of a road accident. It also includes the ambulance charges for taking the injured to the hospital. |
| Additional personal accident cover for the owner-driver | Offers an additional accident cover for the owner-rider which is over and above the personal accident cover of ₹15 lakhs. |
| Additional third-party property damage cover | Offers added relief for financial liabilities resulting from third-party property damage. |
| Consumables expenses cover | Covers the costs incurred in refilling, replacing or repairing your bike’s consumables that may get damaged due to an accident. However, it does not cover the cost of your bike’s lost fuel. |
| Roadside assistance cover | Offers round-the-clock assistance if your bike needs refuelling, mechanical service or two services after being stuck at a roadside. |
Why Should You Buy Hero Xtreme 200S Insurance from Tata AIG
Tata AIG has been protecting millions of vehicles for more than two decades. Understanding your two-wheeler’s needs, we allow you to customise your bike insurance plan at affordable prices.
With a few clicks on our website, you can get your two-wheeler insurance without any hassle and that too on discounts.
We not only provide a smooth renewal or purchase but also ensure that your bike insurance claim is settled quickly.
Our widespread network of cashless garages that span across the country helps you avail of cashless repair service for your two-wheeler.
Moreover, the expertise of 650+ claim experts helps avail of a seamless claim settlement process.
Our claim settlement ratio of 98% for the FY 2020-21 speaks of our honesty and dedication towards our customers.
A Brief Overview of Hero Xtreme 200S
Borrowing most of its features from the Xtreme 200R, the Hero Xtreme 200S is a sports bike with a price of ₹1.35 lakhs. The bike is available in one variant only and is suitable for daily commuting as well as weekend rides. Hero Xtreme 200S has disc brakes at the front and the rear and is equipped with an anti-lock braking system.
Built on the diamond chassis, the Xtreme 200S comes with an all-new aerodynamic fairing and twin LED. Moreover, the bike features a digital instrument cluster having Bluetooth connectivity, service reminder, and gear position indicator along with standard features. The Hero Xtreme 200S is available in three colours: Sports Red, Panther Black, and Maple Brown.
| Engine displacement | 199.6cc |
|---|---|
| Maximum power | 18.08PS at 8500 rpm |
| Maximum torque | 16.15Nm at 6500 rpm |
| Cooling system | Oil cooled |
| Starting | Self-start |
| Transmission | 5-speed manual |
| Emission standard | BS6 |
| Body type | Sports bike |
| Fuel tank capacity | 12.8 litres |
| Ground clearance | 165mm |
| Mileage | 40 kmpl |
| Kerb weight | 154.5kg |
| Other features | Single channel ABS, Electronic fuel injection system |
Hero Xtreme 200S – Variants and Prices
The Hero Xtreme 200S comes in one variant only- Self Start
Unique Selling points: Hero Xtreme 200S Features
Some of the unique selling points of Hero Xtreme 200S are:
Comes with a sporty design while offering a comfortable riding experience.
Offers nimble handling which ensures easy manoeuvrability across the city traffic.
The new full-LED headlamp makes it different from its predecessors.
The LCD display provides Bluetooth connectivity along with navigation assist.
Availability of cheaper spare parts aided by strong after-sales support.
Easy maintenance through an extensive service network of Hero
Competitors of Hero Xtreme 200S
The bikes competing with Hero Xtreme 200S are as follows:
TVS Raider
Yamaha MT 15 V2
Bajaj Pulsar RS200
Yamaha R15V4
Yamaha R15S
Hero Xpulse 200
TVS Apache RTR 200 4V
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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What is the highest speed of Xtreme 200S?
What is the highest speed of Xtreme 200S?
The top speed of Xtreme 200S is 125 kmph.
What are the colour options in Hero Xtreme 200S?
The Hero Xtreme 200S is available in three colours: Sports Red, Panther Black, and Maple Brown.
What is the No Claim Bonus? Is it transferable?
NCB is a discount provided by the insurance company when you renew your two-wheeler insurance. It is a reward offered when you have filed zero claims in the preceding policy year. The following table explains the NCB discount:
| Year | Discount |
|---|---|
| First claim free year | 0.2 |
| Second claim free year | 0.25 |
| Third claim free year | 0.35 |
| Fourth claim free year | 0.45 |
| Fifth claim free year | 0.5 |
Moreover, the NCB discount is transferable. It means that if you renew your two-wheeler insurance policy with a new insurance company, you can retain your NCB discount.
What is the price of bike insurance?
The price of bike insurance varies depending on several factors. While IDV plays a major role in deciding the bike insurance premium, other factors include the type of policy, NCB discounts, add-on covers, safety devices installed, rider’s age or driving record, etc. The prices of third-party bike insurance are based on the guidelines issued by the Insurance Regulatory and Development Authority of India and are standardised based on the engine’s cubic capacity. On the other hand, the prices of comprehensive insurance and standalone own damage policy are set by the insurance companies.
What shall I do if I have any queries about my bike insurance?
In case of queries about your bike insurance, you can reach us anytime for any kind of guidance. You can call us at 1800-266-7780 or connect with us through our WhatsApp number (+91-9136160375). You can also email us at customersupport@tataaig.com.
Can I add riders to my bike insurance in the middle of the policy tenure?
Yes, add-ons can be added to your two-wheeler insurance anytime by paying extra premiums.
What do you mean by cashless and non-cashless process of claim settlement?
When a policyholder takes the damaged bike to our network garage, we directly pay for the repair services to the garage which is called a cashless claim settlement. On the other hand, if your bike is repaired at a garage not included in our network, you have to pay for the service and can get reimbursement for the same from us.
Why should I buy my bike insurance online?
Buying a bike insurance policy online offers many benefits over the offline mode. Some of the reasons to buy your bike insurance via online mode include:
Online renewal or purchase of bike insurance allows you to compare prices of different plans by using the bike insurance calculator from the comfort of your home
By following a few simple steps on our website, you can renew or buy your Hero bike insurance within minutes
You are not required to submit physical documents when buying or renewing your policy online
You get timely reminders to renew your policy
By purchasing the policy online, costs such as distribution, commission, and paperwork are saved which are thus passed on to you by way of lower premiums
How can I renew my bike insurance?
Renewing your two-wheeler insurance policy with Tata AIG is hassle-free and includes the following steps:
Go to the Bike Insurance page and enter your bike's registration number.
Click on 'Renew'.
Select the appropriate IDV (Insured Declared Value) of your Xtreme 200S.
Provide your claim history details. If you have raised zero claims in the past, you gain eligibility for the 'No Claim Bonus'.
If you are buying a standalone own damage or comprehensive insurance, you can pick appropriate add-on covers from the list for added security.
The premium amount for your Hero Xtreme 200S insurance will be displayed after which you can go ahead with payment.
Once payment is made, your Hero bike insurance documents are sent to the registered email address or WhatsApp number.
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.
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