Top Add-on Covers to opt for the KTM Duke 250 Bike

Posted on: Jul 19, 2024 | 3 mins | Written by: HDFC ERGO Team

Top Add-on Covers to opt for the KTM Duke 250 Bike

KTM India introduced the newest addition to its Duke lineup with the launch of the 250 Duke model. It comes with a 249cc liquid-cooled and fuel-injected DOHC engine producing 24Nm of torque and 30PS at 9000 rpm, making it more powerful than the 200 Duke.

If you have a KTM Duke 250, Comprehensive bike insurance is essential. While third-party insurance is compulsory, it covers only the third-party liabilities. To safeguard the bike and its owner, along with the provision for third-party coverage, one should opt for comprehensive two-wheeler insurance. You can further enhance safety with the addition of riders.

Let's explore some of the important add-on covers for your KTM Duke 250.

Understanding the Importance of KTM Duke Bike Insurance

Comprehensive two-wheeler insurance is necessary for persons owning a KTM Duke 250. It provides extended coverage much beyond what third party bike insurance offers. It includes expenses arising from damages to your bike due to theft, natural calamities, personal accidents, and many more, ensuring complete peace of mind.

Key Add-On Covers Available for KTM Duke 250

Some of the riders you can choose for your KTM Duke 250 are:

Zero Depreciation Cover

Zero-depreciation cover offers comprehensive coverage to the two-wheeler without considering its depreciation value. With this rider in place, the insurance company will not factor in the depreciation of the bike or scooter parts while settling the claim.

Most the bike insurance companies cut depreciation on the parts that are replaced in case of an accident. This means you must pay a certain percentage of the bill. When you have zero depreciation coverage, the insurer will pay 100% of the cost since it does not consider depreciation at all. This will especially benefit owners of KTM Duke 250 since it ensures maximum reimbursement on repairs or replacement of any costly feature.

Engine Protect Cover

An engine protection cover is very important for the high-performance engine of your KTM Duke 250. It covers expenses incurred through damages arising from mechanical failures, oil leakages, or water leakages to the engine and thus ensures peace of mind.

The engine forms the base of your KTM Duke 250; hence, any damage to it may be very expensive. This add-on cover is very useful, especially if you take into consideration the fact that the bike comes fitted with an extremely high-performance engine.

Return-to-Invoice Cover

This return-to-invoice cover insures the full amount of KTM Duke 250's invoice price, inclusive of road tax and registration, in case of any loss due to theft or complete damage. For new owners, it provides financial protection.

If your KTM Duke 250 is either stolen or damaged beyond repair, the compensation or claim that you can make using your standard bike insurance policy will always be based on the insured declared value (IDV). This IDV is typically less than the actual value of the vehicle. Return-to- invoice cover guarantees that in case of complete loss or theft, you will get the full amount for the bike.

Roadside Assistance Cover

This roadside assistance coverage provides 24/7 emergency assistance in case of a breakdown, flat tyre, or any other mechanical problem encountered while on the road. This cover ensures that people who love taking long road trips on their KTM Duke 250 are not stranded in isolated places without access to a mechanic's service.

If you have roadside assistance coverage, the insurer will help in emergencies by arranging towing service, jump-starting batteries, and fuel delivery. Assistance such as these assures the owner of a KTM Duke 250 that help will be available at all times, no matter where he or she is.

Consumables Cover

This add-on covers expenses related to consumables like engine oil, nuts and bolts, lubricants, and brake oil, arising out of own damage. The financial assistance for these is not covered by standard KTM Duke bike insurance plans. Hence, the expenses related to replacing the bike consumables need to be borne by the insured. However, with consumables cover added to the comprehensive bike insurance, you don’t have to worry about this.

Consumables tend to constitute a large proportion of the overall repair bill and this add-on coverage can easily save you money on such repairs.

Personal Accident Cover for Pillion Rider

Although personal accident coverage for the owner-rider is included in basic comprehensive KTM two wheeler insurance, it does not cover the pillion rider. The personal accident cover for pillion riders guarantees your passenger's protection in the event of an accident, offering comprehensive safety.

Tyre Protection Cover

The tyre protection cover protects against accidental cuts, bursts, or bulges that could damage tyres and tubes. Given the high cost of replacing the tyres of the KTM Duke 250, this coverage enables you to maintain your bike without incurring significant expenses.

Choosing the Right Add-On Covers

Choosing the right add-on covers for your KTM Duke 250 requires an understanding of your needs and riding habits. Consider factors such as how often you ride, where you ride, and what are the potential risks you might run. Here are some tips that may help you to choose the right add-on covers:

Riding Habits:

If you are one of those who frequently ride long distances to isolated places or during adverse weather conditions, add-ons like roadside assistance cover and engine protection cover becomes a must.

Assess Your Current Financial Situation:

Add-on covers such as zero depreciation and return to invoice offer a lot of financial benefits in case there is an accident or a theft of the insured bike. If you can pay a little extra premium to get these riders, it will be beneficial.

Consider Passenger Safety:

In case you ride the motorcycle along with a pillion rider quite often, the personal accident cover for a pillion rider is essential to protect the safety of the passenger.

Check the Health of Your Bike:

Periodic wear and tear, especially of consumables and tyres, can lead to huge expenses over a period. Consumables cover and tyre protection cover help in managing such expenses appropriately.

Check with Your Insurance Provider:

Check with your insurance company to get more personalised recommendations based on your riding profile and the specific requirements of your KTM Duke 250.

Conclusion

Protecting your KTM Duke 250 with comprehensive KTM Duke two-wheeler insurance and essential add-on covers is crucial. This will ensure maximum protection, financial security, and peace of mind. Choose add-ons wisely and enjoy your rides without worries!

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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