Suzuki Two-Wheeler Insurance
Headquartered in Japan, Suzuki Motor Corporation is a Japanese multinational corporation that manufactures many kinds of two-wheelers, among other vehicles. In terms of production, Suzuki was the ninth biggest automaker in the world in 2011.
The production units of the company are spread in 23 countries and it has 133 distributors. SUZUKI MOTORCYCLE INDIA PRIVATE LIMITED is a very successful subsidiary of the company. The company’s manufacturing plant in India is situated in Gurgaon, Haryana. It has an annual capacity of 5,40,000 units.
Each of these Suzuki vehicles can and should be insured so that you have a trouble-free experience with it. According to the law, bike insurance is required by each two-wheeler owner on Indian roads. You will have to compare the premiums and various features of each company to decide which the right one for you is. Make sure that you read and understand the fine print so that you are sure that everything that you feel needs cover is covered. A comprehensive Insurance Policy should provide cover in the event of loss/damage caused to your two wheeler or its accessories in the event of the following calamities:
Man-made Calamities: burglary, theft, accident by external means, malicious act or terrorist activity, riot or strike. This also includes the damages caused while the two-wheeler is in transit whether by rail, road, air, lift, etc.
Natural Calamities: cyclone, inundation, self-ignition, hailstorm, lightning, flood, fire, explosion, typhoon, frost, earthquake, tempest, hurricane, landslide, storm, rockslide etc.
Features and Benefits of Suzuki Bike Insurance
- Engine protection coverage
- Personal accident coverage (Driver and owner)
- Hassle-free process of purchasing bike insurance online with minimal paperwork
- Third party liability coverage
- Road side assistance
- A large number of network garages where you can get cashless settlements
Insurance Companies Offering Suzuki Two Wheelers Insurance
Two wheelers Insurance for Suzuki is offered by Bajaj Allianz and HDFC Ergo among many other companies. Following are what each insurance company covers:
Following are what each Bajaj Allianz and HDFC Ergo covers:
Carrier | HDFC Ergo | Bajaj Allianz |
Electrical Accessories | Yes | No |
Automobile Association | No | No |
Non Electrical Accessories | Yes | No |
Bi Fuel Kit | No | No |
Personal Accident Cover | Yes | No |
Zero Depreciation | No | No |
Anti-Theft | No | No |
Voluntary Deductible | No | No |
Professional Discount | No | No |
Different Models that Suzuki Manufactures
In India Suzuki has a range of two wheelers that customers can choose from. Each can be upgraded with various features. These are two wheelers available in the market:
Sport Bikes:
- Suzuki Hayabusa
- Suzuki Bandit
- Suzuki Intruder
- Suzuki Gixxer
- Suzuki GSX
Roadsters / General Purpose Bikes:
- Suzuki Hayate
- Suzuki GS150R
- Suzuki Slingshot Plus
Scooters:
- Suzuki Access
- Suzuki Swish
- Suzuki Lets
The coverage that each insurance company offers:
Make Model Variance | HDFC Ergo | Bajaj Allianz |
SUZUKI ACCESS UZ 125 | Yes | Yes |
SUZUKI BURGMAN STD (IMPORTED) | Yes | No |
SUZUKI BANDIT 1250 S | Yes | No |
SUZUKI GSR STD | Yes | No |
SUZUKI ACCESS UZ 125 SPECIAL EDITION | Yes | No |
SUZUKI GS 150 R ALLOY WHEEL | Yes | Yes |
SUZUKI GSX R 1300 | Yes | No |
SUZUKI GSX R 1000 | Yes | Yes |
SUZUKI HAYATE SELF START DRUM ALLOY WHEEL | Yes | No |
SUZUKI GSX R 600 | Yes | Yes |
SUZUKI INAZUMA 250 SELF STRAT DISK CAST WHEEL | Yes | No |
SUZUKI HAYATE KICK START DRUM ALLOY WHEEL | Yes | No |
SUZUKI HAYABUSA GSX 1300 R | Yes | Yes |
SUZUKI LETS STD | Yes | No |
SUZUKI HEAT GT 125C | Yes | No |
SUZUKI SLINGSHOT ALLOY WHEEL DRUM BREAK SELF START | Yes | Yes |
SUZUKI INTRUDER M 1800 R | Yes | Yes |
SUZUKI SLINGSHOT SPOKE WHEEL DRUM BREAK SELF START | Yes | Yes |
SUZUKI RF 900 1995 IMP MOTORCYCLE | Yes | No |
SUZUKI SAMURAI STD | Yes | No |
SUZUKI SLINGSHOT PLUS DRUM BRK ALLOY WHEEL KICK START | Yes | No |
SUZUKI SLINGSHOT DISC BRK ALLOY WHEEL SELF START | Yes | No |
SUZUKI SWISH 125 DRUM - ELECTRICAL START | Yes | No |
SUZUKI SLINGSHOT PLUS DISC BRK ALLOY WHEEL SELF START | Yes | No |
SUZUKI ZEUS GT 125 EU | Yes | No |
SUZUKI SLINGSHOT PLUS DRUM BRK ALLOY WHEEL SELF START | Yes | No |
SUZUKI SV 400 S STD | Yes | No |
SUZUKI ZEUS GT 125 XCD | Yes | No |
SUZUKI VOLUSIA VL 800 | Yes | No |
SUZUKI ZEUS GT | Yes | No |
SUZUKI ZEUS GT125 DU | Yes | No |
SUZUKI ZEUS GT 125 X | Yes | No |
SUZUKI ZEUS GT 125 XEU | Yes | No |
SUZUKI ZEUS GT 125 XDU | Yes | No |
SUZUKI ACCESS ACCESS 125 | No | Yes |
SUZUKI ZEUS GT 125 XU | Yes | No |
SUZUKI ZEUS XU | Yes | No |
SUZUKI ZEUS STD | Yes | No |
SUZUKI HEAT SPOKE | No | Yes |
SUZUKI ZEUS DRUM/ALLOY/SELF | No | Yes |
SUZUKI ZEUS XZ | Yes | No |
SUZUKI ZEUS X | Yes | No |
SUZUKI HEAT ALLOY | No | Yes |
SUZUKI ZEUS 125 ALLOY | No | Yes |
SUZUKI ZEUS DISC/ALLOY/SELF | No | Yes |
SUZUKI ZEUS 125 | No | Yes |
SUZUKI ZEUS DRUM/SPOKE/SELF | No | Yes |
SUZUKI ZEUS 125 ALLOY WITH DISC | No | Yes |
SUZUKI GSX-R750 | No | Yes |
Suzuki Bike Insurance Premium Calculator
If you own a Suzuki bike and want to insure the same, buying a bike insurance policy online can be easier than you can imagine. You may compare and buy the best insurance policy without the help of an insurance broker/agent in no time. Also, there are various neutral third-party websites that enable users to compare different bike insurance policies based on their specific requirements. Comparisons can be made based on factors like coverage, policy benefits, inclusions and exclusions of policy, availability of network garages, premium cost, and more.
If you want to buy an insurance policy for Suzuki bike, do not forget to use the insurance premium calculator to evaluate various policy options. You may find bike insurance premium calculator tool in most insurance websites. Also, the premium can be calculated on other third-party website. To compute the same, you may need to fill in the basic details of your vehicle such as the brand and model of the vehicle, vehicle registration number, age of the vehicle, cubic capacity (CC) of the vehicle, zone of registration, and more. The Insured Declared Value (IDV), which is the total sum of money assured by the insurer in case of loss or damage caused to the vehicle plays an important factor in determining the premium. It is calculated by reducing the amount of depreciation from the manufacturer's listed price of the vehicle.
Factors Affecting Bike Insurance Premium
- Add-on insurance covers
- Age of the vehicle
- Cubic capacity (CC) of the vehicle
- Depreciation
- Discounts availed
- Make and model of the vehicle
- No Claim Bonus (NCB)
- Type of insurance policy opted
- Voluntary access, and more
Multi-Year Bike Insurance Policy for Suzuki Bikes
The Insurance Development and Regulatory Authority (IRDA) observed that a large number of two-wheeler owners in the country are riding without a valid two-wheeler insurance policy. Most people do not renew their bike insurance policies on time and ride uninsured on risky Indian roads. To encourage vehicle owners to buy and renew insurance policies in a timely manner, the IRDA has now allowed insurance agencies to offer multi-year motor insurance for a period up to 3 years. A long-term insurance policy has several advantages. First of all, it saves you from the hassles of annual policy renewals and also help you save expenses on insurance to a certain extent. Following are some of the other advantages.
- Annual policy renewal not required for a period of 2/3 years
- Lower Premium
- No effects on premium due to inflation
- No risk of policy lapse for 2/3 years
- No Claim Bonus (NCB)
Two Wheeler Insurance Articles
- How to Calculate Two Wheeler Insurance Premium in India
- Third Party Two Wheeler Insurance In India
- Why Get Your Bike Insured?
- 6 Benefits of Two Wheeler Insurance Renewal
- Is Bike Insurance Mandatory in India?
- Zero Depreciation Cover for Bike Insurance
- A Beginner’s Guide to Two Wheeler Insurance
- Importance of Two Wheeler Insurance
- Tips to Reduce Bike Insurance Premiums
- How to Cancel Two Wheeler Insurance Policy?
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FAQs on Suzuki Bike Insurance Policy
- On what basis do I choose the two wheeler insurance for my Suzuki two wheeler?
A: The model, price and type of vehicle you buy will decide the premium, IDV and deductibles you must pay as well as what insurance coverage you must take. You must also consider your commute, engine capacity, electrical parts, etc. as well.
For example, you should be getting a more expensive insurance cover if you are going for a Suzuki sports model because they are heavy and more complex than the smaller versions. They are also typically used for mountain biking, racing and they are used for long distance tours. This increases the risk and would need a complete coverage like Bumper-to-Bumper policies which will cover all the expenses due to damage.
- What can I get insurance discount for?
A:You must contact the insurance company to see which discounts you are eligible to get. You can get discounts for the following:
- Zero Depreciation
- Bi Fuel Kit
- Professional Discount
- Non Electrical Accessories
- Personal Accident Cover
- Automobile Association
- Anti Theft
- Voluntary Deductible
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