Navi Bike Insurance FAQs

The Navi General Insurance offers two types of two-wheeler insurance plans which are third party bike insurance plans and comprehensive bike insurance plans.

Navi General Insurance offers several add-on covers with its two-wheeler insurance like Zero Depreciation cover, New vehicle for Old Vehicle cover, No Claim Bonus Secure, Consumable Expenses, Engine Protector, Accidental Hospitalisation, Hospital Cash, Roadside Assistance cover, EMI protector, and so on. These add-on cover options will assist you to enhance your policy coverage by paying a little extra premium amount.

The premium amount that the policyholder needs to pay for Navi Two-wheeler Insurance is determined based on factors which are as follow:

• Age of the two-wheeler
• Add-on covers opted by you
• Anti-theft devices in your bike
• Engine Capacity of your two-wheeler
• Discount and No Claim Bonus Gained
• Insured Declared Value of your two-wheeler, etc.

Yes, the Navi General Insurance holds more than 900 network garages across the nation where you can easily get your bike or scooter repaired without paying anything through the cashless facility. You can locate the nearest network garage by adding your location in the option available on the official website of Navi General Insurance.

Navi Comprehensive Two-Wheeler Insurance Policy covers different types of losses arising out of certain perils such as Accidental Impact, Theft, Fire, Flood, Earthquake, Riot and Strike, Terrorist Activity, Malicious Damages, etc. However, for more details, you are requested to go through the policy wording of your insurance plan.

The Navi bike insurance offers 12 bike insurance add-on covers which comprise Zero Depreciation, New Vehicle for Old Vehicle, NCB (No Claim Bonus) Secure, Consumable Expenses, Engine Protect, Accidental Hospitalisation, Hospital Cash, Enhanced Owner Personal Accident, Enhanced Pillion Rider Personal Accident, EMI Protector, Outstanding Loan Protector and Roadside Assistance.

Yes, you will have to pay for a little extra premium amount to avail the bike insurance add-on covers.

No, it is not mandatory to include an add-on cover in your bike insurance policy. To add an add-on cover is an optional benefit to help you enhance the coverage of your bike insurance policy.

You can purchase the bike insurance add-on covers either during the policy purchase period or during the bike insurance policy renewal process.

There is no such limit for the inclusion of add-on covers. It means you can add as many add-on covers at a time in your bike insurance policy as you want.

You can easily buy a third party two-wheeler insurance policy online from the website of Navi General Insurance. To buy the policy, you will just have to enter your vehicle’s registration number and other relevant details. After this, you will be shown different policy quotes from which you can compare and choose a policy quote. Then you just have to select a policy, enter your basic details and make the payment for the opted policy. The insurance company will provide you the policy document soon after the payment. It will save your time and money and make you find the plan based on your budget and requirements.

To purchase the Navi third party bike insurance policy, you must own the following documents.

• The Registration Certificate
• The copy of the valid driving license
• The registration number of two-wheeler
• Photo ID proof and address proof (Aadhaar card, Voter ID, etc.)

No, Navi third party bike insurance will not provide any coverage for the damage caused to your scooter or bike under any circumstances, even in case of a nuclear attack. This insurance plan is designed to cover the damage incurred by the third party only.

Yes, you can include Personal Accident Cover (PA) under the Navi third party two-wheeler insurance cover. However, you will have to pay a little extra premium to include this add-on cover in your third party policy.

You can get in touch with the team of Navi General Insurance by calling at 1800 123 0004 for any type of insurance related query. You can also Email your queries at mycare@cocogeneralinsurance.com.

You should renew your Navi bike insurance plan before its expiry date. However, you can also renew it within 90 days of the expiry date.

Yes, you can transfer your No Claim Bonus from another insurance company while shifting to Navi General bike insurance

Yes, you can modify your policy during the time of renewal. Before making the payment for the renewal of policy you can include or exclude add-on covers from your bike insurance policy.

Factors which influence the premium quote at the time of renewal are

• Age of the bike
• Tenure of renewed policy
• Add-on covers included
• No Claim Bonus earned

Yes, you can renew your bike insurance policy even if your policy document is lost. In such a case, you can initiate the renewal process by just entering your existing policy number at the website of the insurance company.

Navi Zero Depreciation cover offers you coverage for the repair and replacement of the bike parts, which are Rubber, Nylon, Plastic, Fiberglass and Glass Parts.

No, opting for a Navi Zero Depreciation cover does not ensure full claim amount as deductibles are factorized while calculating the claim amount. Zero Depreciation waivers only the depreciation charges ensuring maximum claim amount.

Yes, you can choose and use the Navi Zero Depreciation cover for your second hand bike as well provided the age of your bike is not more than 5 years. However, an inspection could be conducted by the insurance company before the inclusion of this add-on cover to your bike insurance policy.

The Navi Zero Depreciation cover will only offer policy coverage within the predetermined geographical location. The insurance company will not bear the expense of any damage incurred by the bike of the insured person outside the geographical zone.

Yes, the premium amount will increase by opting Navi Zero Depreciation cover along with the standalone bike insurance policy or comprehensive bike insurance policy.

You can get the claim form from the website of Navi General Insurance or by visiting its nearest branch.

You must report a claim immediately after the bike accident or mishap. For theft claims, you should inform the nearest Police Station immediately after the loss and then intimate the insurance company.

Navi General Insurance will arrange for the spot survey within 6 hours but not later than 24 hours of reporting of claim.

The insurance company will not cover certain costs that need to bear by policyholders like:

• Depreciation cost on replaced parts
• Deductibles, either Voluntary or compulsory
• Salvage value of the bike or scooter
• Any work which is not specified in the policy document

Navi General Insurance settles the claim within 7 working days of receipt of last claim document.

If you have the Navi Comprehensive Bike Insurance Policy, you will get coverage for the loss or damage incurred by the insured bike and financial liabilities towards the third parties. However, by paying a little extra premium you can get some add-ons like personal accident cover for owner-driver, etc.

Yes, you can get different types of discounts under Navi Comprehensive Bike Insurance Policy such as Voluntary Excess Discount, Automobile Association Membership Discount, Anti-Theft Device Discount, Direct Discount, Family Fleet Discount, and Loyalty Discount. In addition to these, you can also earn No Claim Bonus with every claim free year.

The Navi Comprehensive Bike Insurance Policy has got multiple of add-on covers which include Zero Depreciation Cover, New Vehicle for Old Vehicle, NCB (No Claim Bonus) Secure, Consumable Expenses Cover, Engine Protector Cover, Accidental Hospitalisation Cover, Hospital Cash Cover, Enhanced Owner Personal Accident Cover, Enhanced Pillion Rider Personal Accident Cover, EMI Protector Cover, Outstanding Loan Protector, and Roadside Assistance Cover.

In case of a sudden breakdown of your bike or scooter anywhere anytime, you can get in touch with the team of Navi General Insurance to seek road assistance by just calling at the toll-free number 1800-123-0004.

You can purchase the Navi General comprehensive bike insurance policy by following the ways given below:

• Through the website of Navi General Insurance
• By calling at their toll free number - 1800-123-0004
• Visiting the nearest branch Navi General Insurance.

There are multiple factors which affect the amount of premium of a bike insurance plan like Insured Declared Value (IDV), Engine’s Cubic Capacity, Add-On Benefits, Anti-Theft Devices, Modifications, Age of the Owner, and so on.

The bike insurance premium calculator will give you assistance in getting the right amount of premium amount for your plan, get the IDV of your bike, selecting an economical policy and make wiser decisions related to the bike insurance plan.

You need to enter some details like make and model of your bike, RTO location of your bike, registration year of your bike, and so on, to get the right premium provided by different insurance companies for a bike insurance policy.

You can get the best premium calculator to calculate the premium and IDV for your bike insurance policy at the website of InsuranceDekho, i.e., www.insurancedekho.com.

Yes, the premium calculator can easily assist you in getting the premium amount and the IDV for new as well as old bikes.