Ducati Bike Insurance

Discover the essentials of Ducati bike insurance. Learn about coverage options, costs, and how to choose the best insurance plan for your Ducati motorcycle.
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3 min
08-July-2024

Owning a Ducati motorcycle is an exhilarating experience. Ducati bikes, known for their speed, style, and Italian heritage, deserve top-notch protection. Ducati bike insurance provides a financial safety net, safeguarding your prized possession against accidents, theft, and more. This guide explores the different Ducati bike insurance plans available, what's covered, how much it might cost for various Ducati models, and the hassle-free process of purchasing and managing your policy.

Understanding Ducati two-wheeler insurance

Insuring a high-performance motorcycle like a Ducati is crucial. Two-wheeler insurance provides financial protection against various risks, ensuring that you can ride with peace of mind. Whether you own a Ducati Monster, Panigale, or Diavel, having comprehensive insurance is vital, offering financial protection against unforeseen circumstances like accidents, theft, natural disasters, and fire.

What types of Ducati bike insurance plans are available?

Ducati bike insurance plans come in different types to cater to various needs. Here's a breakdown of the options available:

Type of insurance plan Description
Third-Party Liability Insurance Covers damages to third parties, mandatory by law.
Comprehensive Insurance Includes third-party coverage plus protection against theft, fire, and natural disasters.
Standalone Own-Damage Insurance Covers damages to your Ducati Bike only.
Add-On Covers Additional protection options like zero depreciation, engine protection, etc.

 

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What is covered in Ducati bike insurance?

A comprehensive Ducati bike insurance policy typically covers:

  • Own damage: In case your Ducati is damaged due to an accident, theft, fire, riots, or natural calamities, the insurer reimburses you for the repair costs, up to the Insured Declared Value (IDV) of the vehicle.
  • Third-party liability: If you are involved in an accident and cause damage to a third-party's vehicle, property, or injure a person, the insurance policy covers the associated legal liabilities.
  • Personal accident cover: This add-on cover provides financial compensation in case of injury, disability, or death of the insured person due to a motorcycle accident.
  • Accessories cover: Ducati motorcycles are often customized with expensive accessories. This add-on covers the cost of repairing or replacing damaged accessories due to insured perils.
  • Theft: Coverage if your Ducati bike is stolen.
  • Natural calamities: Damages due to floods, earthquakes, storms, etc.
  • Fire and explosions: Protection against fire-related damages.

Note: The specific coverage details may vary depending on the insurance company and the chosen plan. Always thoroughly read the policy document to understand what's included and excluded.

What’s not covered in Ducati bike insurance?

Here are some general exclusions to consider in Ducati Bike insurance policies:

  • Wear and tear: Regular wear and tear or ageing of the bike.
  • Electrical/mechanical breakdown: Issues like engine failure due to internal malfunctions.
  • Riding under influence: Accidents caused while riding under the influence of alcohol or drugs.
  • Without license: Damages occurring when the rider does not possess a valid driving license.
  • Outside geographical limits: Incidents happening outside the geographical area specified in the policy.
  • War and nuclear risks: Damages due to war, nuclear risks, or similar events.

How to buy Ducati bike insurance

Buying Ducati bike insurance is a straightforward process:

  1. Compare plans: Compare various insurance plans and providers online.
  2. Choose the right coverage: Select a plan that offers comprehensive coverage and fits your budget.
  3. Provide details: Enter your bike’s details, including make, model, year, and registration number.
  4. Get a quote: Obtain insurance quotes and compare premiums.
  5. Purchase online: Buy the chosen policy online through the insurer's website or a trusted partner.
  6. Receive policy documents: Get your policy documents via email or post.

How to check my Ducati bike insurance status?

Here are two ways to check your Ducati bike insurance status:

Contact your insurance provider

You can directly contact your insurance company's customer care department and inquire about your policy status. They can provide details like validity, coverage details, and renewal options.

Online portal

Most insurance companies offer online customer portals where you can log in using your policy details and access information about your insurance plan.

Via the VAHAN online portal

Login via your mobile number, provide the two-wheeler registration number, and click on the “Search Vehicle” button to view bike details, including insurance validity.

Securing the right Ducati bike insurance is essential for every Ducati owner. With comprehensive coverage, you can protect your investment and enjoy riding your high-performance motorcycle without worries. Consider your specific needs, compare different plans, and choose an insurance policy that offers the best protection for your Ducati.

Frequently asked questions

How long does it take to renew Ducati Bike insurance?
Renewing Ducati bike insurance typically takes a few minutes if done online. You need to fill in your policy details, make the payment, and the renewed policy is issued instantly.
Which insurance add-on should I buy for Ducati Bikes?
For Ducati bikes, it is recommended to purchase add-ons like Zero Depreciation Cover, Engine Protect Cover, and Return to Invoice Cover to enhance your coverage and minimize out-of-pocket expenses in case of a claim.
How to get insurance details by vehicle number?
To get insurance details through vehicle registration number, visit the Parivahan portal, click on ‘Know Your Vehicle Details’ option under ‘Informational Services’. Log in to your account and provide the vehicle registration number to get various details about the vehicle including the insurance status.
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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Nissan AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

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