Honda CLIQ Insurance

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Honda Cliq Insurance

Honda Cliq is one of the most affordable two-wheeler automobiles catering to rural and semi-urban sectors of India. In consequence, more than 60% of the total sales of Honda Motorcycle and Scooter India comprise exports from this segment. Honda’s Cliq has been designed to provide you with a utilitarian facility so that you can utilise every inch of it to its maximum. Powered by a 109cc air-cooled motor, Honda Cliq gives a mileage of approx. 60 km per litre. Its combi-brake system and USB charging facility, along with other exemplary features, make it the epitome of convenience.

However, these enticing features can still not save your Honda Cliq from any damage during an accident. Therefore, it is recommended to buy two-wheeler insurance for your Honda Cliq as soon as possible and, thus, ensure you do not have to face financial troubles later. Notwithstanding, whether you are a new or an old bike owner, having insurance for your pillion rider cannot only repair your vehicle but also provides you financial assistance during an unprecedented event.

Now, let’s learn about the types of insurance plans that you can purchase for your Honda Cliq.

Types of Insurance Plans Available for Honda’s Cliq

  • Third-party Insurance: Third-party insurance for two-wheelers is one of the most common varieties of insurance that you can buy to prevent yourself from attracting a sudden financial strain. A third-party insurance cover provides you coverage against any bodily injury or death and/ or vehicle or property damage caused to a third party. However, damages to your own bike are not covered under this insurance policy.

  • Comprehensive Insurance: A comprehensive bike insurance policy provides you coverage for damages done to both you and the third party, which makes it a preferable option for bike owners like you! If you are planning to buy a Honda Cliq insurance for yourself, then here is a specification of some of the features that this policy covers for you:

  • Loss and damage caused due to theft, accident, or natural calamities

  • Damage caused to third-party

  • Personal accident cover for the owner-driver

  • Own-damage cover

  • The total damage caused due to fire, explosions, or an act of terror

However, the Honda two wheeler insurance policy does not provide coverage in regards to any damage done because of the irresponsible behaviour of the bike owner, i.e. you would not be provided with any financial cover if you were riding the bike under the influence of alcohol, or outside any pre-defined geographical area.

Apart from that, there are certain other circumstances that are excluded from a comprehensive bike insurance policy:

  • Damage caused while using the two-wheeler for racing, speed tests, reliability trials, etc.
  • General wear and tear, mechanical breakdown due to its age, and other consequential losses.
  • Damages caused due to war or war-like operations.
  • If you are driving your two-wheeler without a valid driving licence or a helmet.
  • If you are driving the two-wheeler under restricted usage surroundings, like a flood-prone area.
  • If you use your private vehicle for a commercial purpose.

How to Purchase or Renew Honda Cliq Insurance?

The process of Honda Cliq insurance renewal and purchase are almost the same, and you can do it in just a few steps. So, to get your two-wheeler insurance cover, follow the steps —

  1. Input the two-wheeler registration number, and select ‘Get Price’ for a new policy or ‘Renew’ for an existing policy.
  2. If you want to renew the expired policy of another provider, then select ‘Get Price’.
  3. Fill up your bike and personal details, and choose the policy cover. In case of an expired insurance policy, you are also required to submit details regarding any claim you made in the tenure of the previous policy.
  4. Opt for the No Claim Bonus (NCB) or the Insured Declared Value (IDV), if applicable.
  5. Now, input the other if and as prompted. And choose from the list of add-ons that meet your requirements.
  6. You will receive an insurance premium quote for your bike on the screen. Now, if you are satisfied with the given quote, make the payment online for your Honda Cliq insurance renewal or a new policy in no time!

Bear in mind that if you forget to renew your bike insurance within the grace period, your policy will expire. In consequence, you will lose not only the policy benefits but all your accumulated insurance premiums as well.

Why Do You Need to Purchase Honda Bike Insurance?

Here are some of the key reasons why you should invest in a bike insurance policy now:

  • Personal Accident Cover: According to the IRDAI (Insurance Regulatory and Development Authority of India), if you own a two-wheeler insurance policy, you receive an inbuilt and mandatory personal accident cover of approx. ₹15 Lakhs. If you meet an unfortunate road accident while riding your pillion, your bike insurance is there to cover all the medical expenses that you would have suffered otherwise.

  • Protection from Legal Fines: If you are riding your two-wheeler without having a valid bike insurance policy, beware you might attract some hefty legal fines for not carrying it along. Always carry your bike insurance even while driving within the city in order to avoid any legal trouble.

  • Third-Party and Comprehensive Coverage: As per the Indian Motor Vehicles Act, you must own at least a third-party insurance cover for your two-wheeler. You may choose to buy either a third-party or a comprehensive policy. While third-party insurance covers damages incurred to third-party members only, a comprehensive insurance policy covers damages to your vehicle as well. Besides that, it also provides you with a personal accident cover that is not included in a third-party insurance policy.

  • Add-on Coverages: If you opt for add-on coverages, they may cost you an extra premium. You may choose from an assorted list of add-on coverages, including Key Replacement, Depreciation Reimbursement, Engine Secure, Return Invoice, and more.

  • Premium Discount: If you choose to purchase or renew your Honda insurance policy online, you may avail of plenty of discounts on premium. Since an online two-wheeler insurance policy helps the insurers not only save on the usage of paper but avoid overhead costs as well, there are several premium discounts offered during the online purchase or renewal of a bike insurance policy.

  • Quick Online Process: Now, you may visit the insurer’s website or use their mobile applications to buy a new policy or renew an existing one in a jiffy! The online purchasing and policy renewal process are not only quicker and smoother, but it also lets you access all the policy documents and essential information through a single channel.

  • Coverage against Theft: Considering the cost of a motorcycle these days, the financial implication of any act, such as theft or severe damage to the vehicle, can be emotionally disturbing. However, if you already possess a bike insurance policy, it may reduce your financial stress while covering the cost of repairing or replacing your vehicle without you spending a penny out of your pocket.

Honda Cliq Features

Here are some of the salient features of your Honda Cliq scooter:

  • Engine: Powered by the 109.19cc air-cooled motor, it comes with a CVT gearbox in addition.
  • Mileage: It delivers a mileage of approx. 60 km per litre.
  • Weight: This two-wheeler weighs around 102 kg.
  • Riding Ergonomics: Its lighter front end lets you navigate through the little spaces efficiently.
  • Combi-brake System: This prime addition to the Honda’s Cliq ensures optimum road safety while braking with its enhanced brake force and minimal possibility of losing the front wheel.
  • USB Charging facility: The new Honda Cliq variants offer a USB charging facility as well. And this feature is exclusively available in Honda’s Cliq models only.

Honda Cliq Variants with Insurance Price

Now, let’s have a sneak peek into what can be the Honda Cliq insurance cost for your favourite variant.

Honda Cliq Model Insured Declared Value (IDV) Zero Depreciation Net Premium
STD 109cc ₹27,582 ₹82 ₹171
Deluxe 109cc ₹27,892 ₹83 ₹173

Disclaimer: The Honda bike insurance price may vary on the basis of the Cliq model, fuel type, policy type, add-on covers chosen, IDV, year of registration, and place of registration.

How to Compute Bike Insurance Premium?

Before you jump on the bandwagon and just buy any insurance policy for your two-wheeler, it’s vital that you first evaluate the exact premium amount that you shall have to pay for the policy. To make things easy for you, Tata AIG offers the bike insurance calculator tool that you may use to determine the premium regarding a two-wheeler insurance policy. Here’s how you can use it:

  • Enter your bike’s details, including model type, registration details, etc.
  • Choose from the list of add-on coverages that you would like to purchase in addition to the policy cover.
  • Click on the ‘Get Price’ tab.
  • The bike insurance calculator shows you the exact two-wheeler insurance premium on the screen in no time.

Now, you may use this estimate to plan your budget efficiently and without bearing any financial strain.

Factors Affecting Your Two-Wheeler Insurance Premium

There are certain factors that may broadly affect the insurance premium of your two-wheeler. Let’s try to find out what they are:

  • Age of Your Bike: The Insured Declared Value (IDV) is the sum insured of a two-wheeler which directly impacts the premium amount. The market value and the age of your two-wheeler are inversely related which affect the IDV of your bike. Hence, as your two-wheeler ages, its market value decreases, the IDV drops accordingly, and so does its premium.

  • Insurance Policy Type: If you go for a fundamental third-party insurance policy, the premium would be nominal as it does not provide extensive coverage. However, a comprehensive insurance policy for your bike may cost you higher premiums due to its all-encompassing coverage. The premium cost of such a policy may further increase if you would like to enhance it with some add-on covers as well.

  • Bike Model Type: If you go for a basic model bike, it may cost you less compared to a sports bike. Consequently, the market value and IDV of the latter one will be higher, which will eventually cost you higher premiums, while a basic bike will cost you lower premiums.

  • No Claim Bonus: The No Claim Bonus (NCB) is a discount offered by insurers for not filing any policy claim during the previous year of the policy tenure. The discount may range from 20% to 50%. You may avail of this discount while renewing your comprehensive bike insurance policy.

  • Geographical Location: Your driving locality plays a vital role in determining the premium amount that you must be paying every year. If you are residing in a low-traffic zone where there is less chance of any accidental damage to your pillion, then the insurance premium may not cost you much. However, you might have to pay a higher premium in a metropolitan city.

  • Age of the Insured: Yes, your age affects the premium cost of a bike insurance policy. Being a young rider, you might have to pay a higher premium as you are considered new to riding and traffic rules, while an aged rider is considered experienced on the road, and thus, they will have to pay premiums at a lower rate. Again, if you have a poor driving record, you will have to pay higher premiums.

Apart from the aforementioned factors, the premium cost may also depend on your bike’s engine type, the safety devices it carries, add-on covers included in its policy, and any modifications it went through. Add-on covers come at an extra cost, and therefore, opting for such covers can increase the Honda Cliq insurance cost.

Conclusion

Being one of the world’s oldest automobile manufacturers, the Japanese automaker- Honda has been attempting to cater to the rural segment. And with the launch of Honda Cliq, they have been striving to deliver more of a utility scooter to their customers, which has been a successful attempt. Now, if someone asks for a recommendation in regards to purchasing a gearless scooter that offers a comfortable long ride, then Honda is probably the first name that may come to your mind.

Nevertheless, you still need a two-wheeler insurance policy for your Honda Cliq that ensures financial security against some unseen damage repair expenses. And for all your bike and car insurance needs, choose Tata AIG.

Disclaimer

All the car 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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Frequently Asked Question

Has the Renault Lodgy been discontinued?

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Yes, the Renault Lodgy was discontinued in 2020 and has been taken off Renault’s website. The car is not being manufactured, and only second-hand variants are available for sale. However, most used cars are also usable if they are in good condition.

Can you get car insurance for second-hand cars?

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Yes, you can get Renault car insurance for your second-hand Renault Lodgy. Just make sure to transfer the car insurance policy from the previous owner to your name. Or you can get a new insurance policy for the same.

Can you transfer your no-claim bonus for your Renault insurance?

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Yes, you can transfer your no-claim bonus benefits from your previous insurer to a new insurer.

How much does Renault car insurance cost?

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The cost of your Renault car insurance will vary from car to car. It depends on the IDV of your Renault car, its make and model, age, and geographical location. You can use a car insurance calculator to assess the cost of the premiums payable and compare car insurance quotes.

What is the price of the Renault Lodgy Car?

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