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4.4
Customer RatingsRoyal Enfield Thunderbird Insurance Online
The Thunderbird has been a part of the Royal Enfield stable since 2000, getting an update nearly a decade later in 2009, with the 346cc engine powering all the 350cc models. Late 2012 saw the Thunderbird 350 get a facelift, with a new fuel tank, digital instrument cluster, projector headlamp and other cosmetic enhancements, making it quite the looker. Like its Royal Enfield siblings, the Thunderbird is a cruising motorcycle, for the modern generation. Despite being discontinued, the Thunderbird can still be spotted on the roads, a testament to its success.
Popular Royal Enfield Thunderbird Variants
Types of Royal Enfield Thunderbird Insurance HDFC ERGO Offers
The Thunderbird 350 was crafted to conquer roads of all sorts, be it in the cities, or beyond. And as is the case with cruisers, they are bound to experience rough roads that challenge the bike’s capabilities, and integrity, requiring frequent maintenance and possible repair-work, before or after every trip. To safeguard yourself financially, against these expenses, while also protecting yourself against accident-related damages, you need a good bike insurance policy. While a third party bike insurance policy is mandatory as per law, the most recommended option is a comprehensive bike insurance policy for Thunderbird, to cover a wider range of risks. At HDFC ERGO, we offer a host of insurance plans to protect you financially.
Recommended by experts, your new Thunderbird should be protected with this holistic policy. It is a comprehensive bike insurance policy with a 5-year third-party liability component, and an annually renewable own damage component, ensuring you’re covered adequately, and for long.
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Accident, theft, fire etc.
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
This is a type of bike insurance that is necessary as per the Motor Vehicles Act, 1988, for every single bike on the road. The premium is decided by the IRDAI every year, and it covers your financial obligation to a third-party person as a result of an accident involving your vehicle.
Personal accident cover
Third-party property damage
Injury to a third-party person
One half of a comprehensive bike insurance policy, the own damage cover offers financial coverage against damage to your own vehicle. This could be a result of an accident, natural or manmade disaster, or even theft. However, it does not include the mandatory third-party cover, and hence, should be paired with one for comprehensive coverage.
Accident, theft, fire etc
Natural calamities
Choice of add-ons
This is a policy that combines the mandatory third-party liability component, and the own damage component, to provide comprehensive coverage. It ensures you’re well protected in case of damage related to an accident, natural or manmade disasters, and even against theft. Furthermore, it also includes the mandatory personal accident cover to help you out financially in case of treatment or hospitalisation.
Accident, theft, fire etc
Natural calamities
Personal accident
Third-party liability
Choice of add-ons
Inclusion & Exclusions of Royal Enfield Thunderbird Insurance
A comprehensive Thunderbird bike insurance plan includes financial coverage against damage to your own vehicle, third-party liability, and a personal accident cover. Here’s what it covers:
Accidents
Accidents are unpredictable, and sometimes, unavoidable. You may be riding safely and could still be involved in an accident. Your comprehensive insurance policy will cover against damages in such cases.
Natural or manmade disasters
Damage to your vehicle due to nature’s elements are also covered. As is damage caused by manmade calamities such as rioting or vandalism.
Theft
In case of theft, you will get compensated as per the Insured Declared Value (IDV) of the bike, ensuring it’s not a total loss.
Personal Accident
Accidents can end up injuring the rider, and not just the bike, requiring hospitalisation and treatment. With a personal accident cover, your treatment costs are taken care of.
Third Party Liability
Injury to a third-party person or damage to their property can result in significant out-of-pocket expenses, all of which is covered by the third-party liability component of your Thunderbird bike insurance policy.
While a comprehensive Royal Enfield Thunderbird insurance policy provides extensive coverage, there are specific scenarios wherein the claim can get rejected or the coverage might not be applicable. Here are some of the exclusions:
Depreciation
A bike is a depreciating asset, and the Thunderbird is no different. The difference in cost between the current estimated value of a spare part and the actual cost of the same new component is the depreciation cost.
Wear and tear
Bikes are a combination of mechanical moving components that produce heat and friction. It is bound to suffer wear and tear over time, which is why it’s not covered under a standard bike insurance policy.
Electrical & Mechanical Breakdown
Electrical breakdowns can occur as a result in changes in the environment, physical acts of distortion, or other unexplained causes, and that’s why it’s often out of the ambit of coverage.
Illegal Driving
Engaging in any illegal behaviour at the time of the accident is likely to void your insurance claim. These include driving without a license, under the influence of substances or alcohol, etc.
How to Renew Royal Enfield Thunderbird Insurance?
Buying or renewing your Thunderbird bike insurance policy has never been easier, with insurers offering their plans and services online these days. HDFC ERGO makes it hassle-free especially. Simply log onto our website, fill in your details, make the payment and you’re secured! All it takes is a few minutes and it can be done from the comfort of your own home.
Step #1Visit HDFC ERGO website and choose to buy or renew your policy
Step #2Enter your bike details, registration, city, and previous policy details, if any
Step #3Provide your email ID, and phone number, to receive the quote
Step #4Make the online payment and get covered instantly!
Why HDFC ERGO Should be Your First Choice?
Owning a bike like the Royal Enfield Thunderbird means you need to focus on the upkeep and maintenance. Furthermore, the more you ride such a bike, the higher are the statistical chances of getting involved in a mishap. And that is why you need a bike insurance plan that provides extensive coverage. Here’s why HDFC ERGO fits the bill as the insurer:
24x7 roadside assistance
Our 24x7 roadside assistance facility ensures you’re never stranded in the middle of nowhere with a malfunctioning bike.
Easy claims
We process over 50% of insurance claims on the very same day, ensuring little to no delay in getting your bike fixed.
Overnight repair service
Our overnight repair service ensures you get a good night’s sleep while your bike gets readied for the next day’s commute.
Cashless assistance
With over 2000 cashless garages across the country, your finances are well-protected in the event of servicing.
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