KTM 390 Adventure Insurance

Popular KTM 390 Adventure Variants and Their Insurance Cost

Before buying bike insurance, knowing how much each KTM 390 Adventure variant might cost is essential. Below is an estimated insurance premium for a 1-year own damage plus a 5-year third-party policy. These prices also include the cost of the zero-depreciation add-on cover.

*Disclaimer: These costs are based on average statistics and are not exact. Your actual premium may fluctuate based on things like the bike's age, where it is, how much you say it is worth, and any add-ons you choose.

Why Should You Buy KTM 390 Adventure Insurance from Policybazaar.com?

Buying insurance for your KTM 390 Adventure from Policybazaar.com is a smart and simple choice. You have a list of different insurance plans to compare and pick the one that best fits your needs. Whether you ride in the city or explore off-road paths, here's why this platform makes the choice easier:

• Comprehensive Coverage: This policy covers everything about your bike, including damage to other people's property and your own.
• Cashless Garage Network: Authorised service centres offer cashless upfront repairs for your KTM 390 Adventure, making the process simple and stress-free.
• Quick Claim Settlement: Quick and easy claim processing means you can have your bike back on the road right away.
• No Claim Bonus: Insurers know how to reward responsible riding, and that is through a No Claim Bonus. Each year that goes without a claim, you get a discount on your policy premium when you renew.
• Roadside Assistance: In case your bike suddenly breaks down, you will get immediate assistance — with on-site services like repairs or towing.
• Customer Service: You can call 1800-258-5970 anytime to get help with insurance problems.

What Are the Best Add-ons for KTM 390 Adventure Insurance?

Riding a KTM 390 Adventure often means exploring tough terrains and long journeys. With adventure biking comes extra risks. So, you must extend your coverage of the standard insurance that provides only basic protection through additional coverage. These add-ons to your KTM 390 Adventure insurance policy will give advanced protection:

• Return To Invoice Cover: This add-on helps you get the full purchase value of your bike, including taxes and registration, if it is stolen or declared a total loss.
• Zero Depreciation Bike Insurance Cover: The bike's value depreciates, and during claims, the insurers deduct the depreciation from the claim amount. But this add-on can save you. You will get the full claim amount for damaged parts without any deduction for wear and tear — useful for bikes like the KTM 390 Adventure that come with high-end components.
• Engine Protection Cover: It covers engine damage caused by water, oil leaks, or floods. This is especially helpful if you often ride in areas with heavy rain or poor drainage.
• Personal Accident Cover: It gives compensation to the rider in case of accidental injury, permanent disability, or death. It becomes all the more essential for adventure riders who love to explore unknown routes.

How to Buy or Renew KTM 350 Adventure Insurance Online

Buying or renewing insurance for your KTM 350 Adventure on Policybazaar.com is straightforward and paper-free. This is what you must do.

• Step 1: Go to the website of Policybazaar.com — click on 'Bike Insurance'.
• Step 2: As the new page opens up, you must enter the registration number of your KTM 390 Adventure if you have to renew your policy. If you must register for a new bike, click 'Bought a New Bike'.
• Step 3: As the new page follows, you will have to enter some more details, such as the model, variant, city, and contact information.
• Step 4: Decide whether you want a comprehensive or third-party cover for your KTM 350 Adventure.
• Step 5: Add any extra covers you need, such as a personal accident or zero depreciation.
• Step 6: Compare the available premium quotes, choose the plan you prefer, and pay using the UPI, debit card, credit card, or internet banking.
• Step 7: Your insurance policy will arrive in your email inbox a few minutes after your payment has been verified.

How to Claim Insurance for KTM 350 Adventure?

Raising an insurance claim for your KTM 350 Adventure is a simple and straightforward process. You can choose between a cashless claim at an authorised network garage or a reimbursement claim at a non-network garage. Here's how each approach works:

1. Cashless Claim Process

   If you want to make a payment claim, follow these steps:

   • Step 1: Inform your insurance company immediately after the accident or damage.
   • Step 2: A surveyor will inspect the KTM 350 Adventure and submit a damage report.
   • Step 3: After getting permission, take your Adventure bike to an official network garage.
   • Step 4: Once repairs are done, the insurer will directly settle the repair costs with the garage.

2. Reimbursement Claim Process

   Here's what you need to do to get your KTM 350 Adventure insurance reimbursement paid:

   • Step 1: Call your insurance company to tell them about the damage or accident.
   • Step 2: A surveyor will visit and prepare a damage report, usually within 48 hours.
   • Step 3: Send in the claim form and all the documents that accompany it.
   • Step 4: Fix your KTM 350 Adventure by paying for it yourself.
   • Step 5: Send your insurance company the repair bills and any other verification.
   • Step 6: The amount of the accepted claim is sent to your bank account.

Documents Required for KTM 350 Adventure Insurance Claims

You will need the following documents:

• A claim form that has been filled out and signed.
• Registration Certificate (RC) for the KTM 350 Adventure.
• A valid driver's licence.
• KYC papers (for claims over ₹1 lakh).
• Estimate of the cost of repairs.
• Final bill for repairs.
• First Information Report (FIR) in case of theft, third-party injury, fire, or property damage.

Additional Documents for KTM 350 Adventure Theft Claims

• Original copy of the insurance policy.
• Bike's Registration Certificate.
• Purchase invoice.
• Both original keys.
• FIR copy filed with the police.
• Non-traceable certificate from the police.
• No Objection Certificate (NOC) from the bank, if financed.
• Letter from the RTO confirming non-usage of the bike.