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Navi Third Party Bike Insurance
Navi General Insurance's third-party bike insurance policyholders get a lot of coverage for their bikes and scooters. The policy covers legal and financial obligations to a third party. According to the Motor Vehicles Act, every bike owner must have a third-party insurance policy when driving on the roads. The owner of a new bike must purchase third-party insurance for at least five years. Navi General Insurance provides reasonable third-party insurance that may be purchased online.
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Navi Bike Insurance
- Navi Third Party Bike Insurance
Navi Third-Party Two-Wheeler Insurance vs. Comprehensive Two-Wheeler Insurance
| Basis | Third-Party Bike Insurance | Comprehensive Bike Insurance |
| Coverage | Third-party bike insurance protects you from financial and legal obligations owed to a third party if one has an accident while riding the bike | It covers 3rd party liabilites along with own-damages resulting due to an accident, theft, natural disasters, manmade disasters, and so on |
| Nature of Requirement | According to the Motor Vehicles Act, it is a necessity | It is optional because it is based on personal choices |
| Add-ons Availability | There are no add-on covers that may be added to the third-party bike insurance plans | The coverage can be expanded with add-on covers |
| Premium | Because of the limited coverage, third-party insurance premiums are comparatively less | Because of the substantial coverage, the premium for a comprehensive policy is slightly higher |
What is Covered under Navi Third-Party Bike Insurance Policy?
This type of two wheeler insurance online provides coverage against various situations that could result in damage or loss. The policyholders are covered for the following expenses:
- Third Party Property Damage Cover: This plan compensates a third party for property damage caused by an accident or incident involving the insured person's motorcycle. Third-party property damage compensation is restricted to Rs 1 lakh.
- Third-Party Bodily Injuries or Death Cover: The insurance company pays for the accidental injury or death of a third party. However, in the event of a loss of life or disability, the insurer determines the compensation amount based on a court of law's decision.
- Personal Accident Cover: This is an add-on cover that is provided with third-party insurance. It provides coverage to the owner-driver in case of accidental injuries.
Explore Navi General Bike Insurance
What is Not Covered Under Navi Third-Party Bike Insurance Plan?
Third-party insurance policies have restricted coverage, which all policyholders should be aware of. The following are some things that aren't covered by third-party bike insurance:
- Contractual damages are not covered
- Accidents occurring because of drunk driving are not covered
- If you were driving without a license, then the policy won't provide coverage
- If you delay informing the insurer, you won't receive any coverage
FAQs
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Q1. What does third-party liability mean in terms of bike insurance?
Third-party liability means the damages that you may cause to a third party in the event of a road accident. These damages can be property and bodily damages. In such scenarios, you will be expected to compensate the third party for the losses.
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Q2. Is Navi third-party bike insurance sufficient
Third-party bike insurance provides coverage for third-party liabilities only. Though it is less expensive and mandated by law, it is insufficient for people who wish to have own damage cover, and avail of add-on benefits like zero depreciation cover, roadside assistance, etc.
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Q3. How to buy the Navi third-party bike insurance policy?
You can visit the official website of the insurer and contact the experts at Navi General insurance Company through their customer care contacts. The experts will guide you in your process of buying the policy. You can also visit the branch office to buy the policy offline. Alternatively, you can get in touch with bike insurance experts at Policybazaar.com. You can email them at care@policybazaar.com or call them at 1800-208-8787.
Bike insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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Read more^The buying/renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.
*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.
*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)
#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.
*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.
*₹457/- per annum (₹1.3/day) is the price for third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable annually. The list of insurers mentioned is arranged according to alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For the complete list of insurers in India, refer to the Insurance Regulatory and Development Authority of India website: www.irdai.gov.in
