Whether you stay in a metro city or a small town, two-wheelers are among the most convenient modes of transport. Protected by bike insurance, these compact vehicles find space to zoom past the traffic even on the most congested roads. Nowadays, more and more people are ditching petrol bikes for environment-friendly electric scooters. By turning to electric scooters you can park your worries about ever-rising fuel costs. However, do not forget to buy a robust scooter insurance policy to save your bike in the face of a mishap.
If you are thinking about buying an electric scooter, then consider getting bike insurance along with it. Good scooter insurance will ensure your electric scooter is protected and taken care of in case of an accident. Meanwhile, here are some factors to consider before buying the latest electric scooter in the market:
Choose the model
Say electric scooter and the options available in the market will boggle your mind. Many popular brands of two-wheelers have launched their versions of electric scooters. Also, there are several standalone electric scooter brands to choose from. So, research well and choose wisely. Also, look out for bike insurance to protect your scooter.
The purpose
Think about how you will be using your electric scooter. If you plan to use it for your daily commute, then you would want to make sure it has enough power and range to get you to your destination and back. If the purpose is for general use, then you may go for a lighter model that is easier to ride. Either way, get scooter insurance along with your electric scooter.
Budget
Keep your budget in mind when shortlisting an electric scooter. An electric scooter's price can be anywhere between tens of thousands and lakhs of rupees. Therefore, it is important to set a budget before you start researching electric scooters and scooter insurance.
Once you have considered these factors, you are ready to buy an efficient electric scooter that suits your needs and bike insurance to protect it. To help you shortlist, here's the list of the most popular electric scooters in India:
1. TVS iQube Electric Scooter
2. Ather 450X Electric Scooter
3. Bajaj Chetak Electric Scooter
4. Hero Electric Optima ER
5. YoBykesFloreus
6. LectricXPress
7. Super Soco TC Max
8. VmotoCitycoco
9. Okinawa PraisePro
10. Ampere Zeal​
An essential part of buying a two-wheeler is to get bike insurance or scooter insurance based on your choice of vehicle. In India, it is mandatory to have third-party insurance to cover third-party liabilities in case of an accident involving the insured vehicle. In addition to standard third-party bike insurance, you can get an Own Damage (OD) cover to protect yourself against financial loss in case your bike gets damaged.
For scooter insurance also, the coverage works in the same way. You can also go for the comprehensive cover that includes both the third-party and own-damage policies. That way you do not have to buy two policies separately.
To expand the bike insurance coverage, you can choose from many add-on cover options based on your needs. Paying an extra premium to avail of the features of add-on covers will prove beneficial in the long run. Some popular add-on covers include zero depreciation cover, consumables cover, roadside assistance cover, and passenger assistance cover. These covers will come in handy in situations where the regular scooter insurance policy is not applicable.
Scooter insurance is an important and mandatory part of the whole scooter buying process. With a proper cover, you would be able to avoid any financial loss due to third-party claims or damage to your two-wheeler. So, what are you waiting for? Book your electric scooter and buy insurance today.
