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Renewing your two-wheeler insurance is now simple. With digitisation, you can do two-wheeler insurance renewal with a click of your finger and hardly any paperwork.
However, while renewing your two-wheeler insurance, you must avoid these basic mistakes to prevent loss of any benefits and claim-related disputes later. Let's check the common mistakes to avoid while renewing the two-wheeler insurance.

1. Missing your NCB claim: No claim bonus (NCB) is a reward that you get for not claiming any coverage during the policy tenure. The bike owner can claim this discount while renewing the policy for decreasing the premium amount on the insurance. NCB can be claimed within 90 days of the policy expiry date. This is the reason why it is prudent to renew your insurance policy before the expiry date.

2. Not Reading Your Terms And Conditions Carefully: The policy terms and conditions keep changing and are not always the same. The insurer may have to revise the policy terms to abide by the regulatory changes or maintain proficiency in business. Reading all terms and conditions while renewing your policy is vital to understand that your insurance coverage meets all your requirements.
Moreover, you are aware of the rightful coverage you would get in case of a claim.

3. Not Informing Your Insurer About Any Modifications: Motorbike enthusiasts keep customising their bikes but fail to inform the insurer. Moreover, they do not find it to be a big deal to let the insurance provider know about the modification. Not informing the insurer may lead to a lower claim amount or even render the cover ineffective.
If you have recently made any modification to your two-wheeler vehicle, remember to inform the same during policy renewal to avoid any claim disputes.

4. Providing Incorrect Details: One of the biggest mistakes that can be easily avoidable is filling incorrect details during the two-wheeler policy renewal. You should carefully type the owner's name, registration number, and previous policy details while filling in the details for your car insurance renewal. Even if the name of the owner doesn't match with your insurance policy documents, your policy will be invalid.

5. Not Assessing Your Add-Ons For Extra Coverage: Add-ons are a big financial saviour in case your bike meets with an accident. While renewing your two-wheeler insurance, you may often ignore add-ons, but having one will always be beneficial. For instance, if you have an engine protection add-on, you can immediately place a request for a claim if your bike's engine is damaged.

6. Avoiding Personal Accident Cover: Buying a personal accident cover is a must in India as per the rules and regulations. It can be covered if you have a comprehensive insurance policy. You just need to have a single personal cover if you own multiple vehicles.

7. Procrastinating the renewal process till the last moment: Renewing your insurance at the last moment leaves you with no time to assess your requirements and then choose your coverage amount. In such a scenario, you may miss out on including a few important add-ons and thus end up paying premiums for coverage that doesn't suit your needs.

Final word:

Though renewing bike insurance is a straightforward process, you may make these mistakes due to insufficient knowledge about insurance renewal. You can renew your two-wheeler insurance online with Kotak General Insurance. You will just have to visit the website, click on the required details and make payment. You can also get online assistance via chat with our insurance experts and make an informed decision.

Disclaimer: The content provided is for education and informational purpose only, none of the information contained in our blog amounts to any form of opinion or advice. Please go through policy related documents carefully or consult an expert before making any insurance-related decisions.


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