Motorbikes are one of the most convenient modes of transportation. If you reside in one of the main cities, biking to work can save you a lot of time. Remember that motorcycles are more economical to purchase, maintain, and operate than automobiles. To ensure a pleasant bike ownership experience, getting insurance for a two-wheeler online is advisable.

There are numerous reasons why insurance for a two-wheeler is needed. It is prohibited to ride a bike without a valid insurance policy. If detected by the traffic police, you will be subject to a heavy fine.

In addition, riding a motorbike is fraught with numerous possible hazards. Purchasing your two-wheeler insurance coverage will help you avoid many of these predicaments. One of them is a natural catastrophe.

A natural disaster is a disastrous event that can inflict substantial harm to people, property, and vehicles. It is crucial to have enough coverage should a natural disaster strike your area of residence.

How Natural Disasters Can Affect You

Many natural disasters have struck India recently. Natural disasters can range from earthquakes to cyclones to flooding. Over 108 billion individuals in India were harmed by natural disasters in 2021, according to a report. A natural disaster with a brief duration can cause extensive damage to humans and their belongings. And the effects are not restricted to urban or rural areas alone.

Coverage Offered By Your Motorcycle Insurance

In India, a minimum third-party liability policy is required to ride a motorbike legally. Therefore, you must purchase comprehensive bike insurance online to protect against unanticipated events.*

A complete policy can protect your bike from natural disasters like cyclones, hurricanes, earthquakes, and hailstorms. Also, it can safeguard your bike from harm caused by humans, such as during a strike, vandalism, riot, theft, etc.*

How is a Complete Insurance Beneficial During a Natural Disaster?

Should either of these occurrences occur, make sure your bike is insured and protected accordingly.

Additional Helpful Accessories for Natural Disasters

Although a comprehensive policy provides significant coverage for your motorbike in most typical situations, more is needed. This is where an add-on can significantly simplify your life. You can choose specialised coverage if necessary. Consider the following accessories to safeguard your bike from natural disasters.

1. No Depreciation Coverage

When your bike ages, its value depreciates. In other words, the insurance company would only reimburse you for the depreciated value of any damaged or replaced parts. But zero depreciation assures that your bike will be fixed and its parts replaced without you having to pay for depreciation. Thus, it is a crucial protection against natural calamities.*

2. Engine Damage

The engine protection add-on covers all costs of replacing or repairing damaged engine components due to a natural disaster. Typical damages include the loss of engine parts, lubricant leakage, coolant loss, and hydrostatic lock, among others.*

3. Consumables Protection

Often, a bike insurance policy does not include consumable coverage as part of a claim. This accessory will save you money on those fronts. In the course of a service or repair, numerous consumables are utilised. ##

Is your bike’s total loss due to a natural disaster covered by your insurance?

Yes, your bike insurance covers total loss in the event of natural disaster-related damage. Typically, insurance companies consider a bike a total loss if the repair costs exceed 75% of its insured declared value. If such an occurrence occurs, the insurance provider will compensate you with the IDV. *

Conclusion

A natural calamity might inflict significant harm even if you park your bike safely. Online comprehensive bike insurance is one of the most innovative methods to protect your bike from such events. Compare various providers and save up with the help of a two-wheeler insurance premium calculator.

*Standard T&C Apply

##All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘

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International travel insurance should be one of your top concerns when travelling from India to the United States.

The United States of America (USA) is considered to be one of the world’s most visited nations. The United States features diverse landscapes, cultures, and experiences that attract tourists worldwide due to its vast size, encompassing most of the North American continent. The United States features many diverse locations, including some of the world’s most revered historical and recognisable worldwide landmarks. From the semi-Arctic environment of Alaska in the North to the tranquil beaches of Florida and Hawaii in the South, the United States provides something for every type of traveller.

Visiting the United States should be on your bucket list, and you must protect your trip with travel insurance for the USA from India.

Principal advantages of a USA travel insurance policy:

• • Travel assistance*
  • Protection from personal culpability*

• Accident and sickness coverage*
• Help with baggage-related loss or delay*
• Hijack cover*
• Automatic 60-day extension of your USA travel insurance policy if you are hospitalised overseas.*

Travel Insurance From India To the USA

To enjoy a stress-free and memorable vacation to the United States, you must ensure that proper planning and prior bookings are in place and a valid United States travel insurance policy. Nonetheless, despite the extent of your planning, unforeseen occurrences may derail your plans. The latest Covid-19 pandemic, for example, has brought the entire world & overseas travel to an indefinite halt, with most nations implementing harsh entrance restrictions and limiting incoming planes.

Therefore, tourists to the United States must acquire adequate international travel insurance to protect themselves financially against any unplanned incidents that may occur during their trip. Your travel insurance coverage in the United States can act as a protective shield and allow you to enjoy your trip without concern. You can compare travel insurance plans regarding coverage amount and premium to select the one that best meets your needs.*

Why is travel insurance from India to the United States necessary?

Due to the abundance of uncertainties in life, it is essential to be as prepared as possible for any eventuality. If you intend to travel to the United States, consider purchasing travel insurance. A USA travel insurance policy can support you if you encounter any unfavourable circumstances throughout your trip.*

For example, if you become ill before or during your trip or lose your luggage at one of the airports you pass through, a travel health insurance policy for the United States would be helpful. It is advisable to purchase online Travel Insurance insurance for the United States and financially protect your trip against unforeseen events that could ruin it. With an extensive selection of visitor insurance options in the United States, you can plan a hassle-free trip to the United States.*

Below are some of the features included in any travel insurance from India:

• Coverage for travel delays and cancellations, hotel reservation cancellations, and passport loss
• Baggage Coverage Reimbursement for delayed or lost checked baggage
• Medical Insurance
• Covid-19 coverage to cover the costs of testing positive for Covid during the trip
• Travel medical insurance to the United States to provide financial support if you become ill or injured during your vacation.

Additional advantages of USA travel insurance coverage

• The ability to pay in Indian Rupees and receive coverage in US Dollars.
• Travel insurance policies in the United States with premiums as low as Rs. 60.32 per day.
• Immediate online purchase of travel insurance for the United States without rigorous medical exams

Thus, it goes without saying that good travel insurance coverage is highly beneficial. Be it the USA or any other country, keep yourself insured as long as you’re travelling!

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.