Harley Davidson Bike Insurance

Harley Davidson bikes are known worldover for their rugged cruiser bike looks. Bike enthusiasts in India also consider these motorcycles to be top-notch. With high value and specialised parts, these motorcycles can be costly to repair or replace if damaged. Therefore, Harley Davidson bike insurance becomes crucial to cover expenses from unexpected events like accidents or theft, protecting against high repair costs and third-party liabilities.

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About Harley Davidson Bike

Harley Davidson, established in 1903 in the United States, is recognised for its premium cruiser motorcycles. The company's lineup of motorcycles includes models like the Street 750, Fat Boy, and Iron 883, with engine capacities from 500cc to over 1800cc. Harley Davidson bikes come equipped with advanced features such as anti-lock braking systems (ABS) and electronic fuel injection (EFI), offering a blend of performance and safety suited for both urban commuting and long-distance rides.

Popular Harley Davidson Bike Models With Bike Insurance Price

Harley Davidson Bike Models (Registration 2024)	*Zero Dep Cover (Add-on Cover)**	*Estimated Harley Davidson Bike Insurance Price (1+5 Bundled Policy)**
Harley Davidson Iron STD (883 cc)	₹ 240	₹ 15,582
Harley Davidson Sportster Iron 883 (883 cc)	₹ 240	₹ 15,342
Harley Davidson Street 750 cc	₹ 240	₹ 15,342
Harley Davidson Dyna Fat Bob (1584 cc)	₹ 240	₹ 15,342
Harley Davidson Forty Eight XL 1200 X (1202 cc)	₹ 240	₹ 15,582
Harley Davidson 1200 Custom STD (1202 cc)	₹ 240	₹ 15,582
Harley Davidson Fat Boy 114 STD (1868 cc)	₹ 940	₹ 17,741

*Disclaimer: Harley Davidson insurance premiums differ across providers and are influenced by factors such as the bike's model, year of registration, location, Insured Declared Value (IDV), chosen add-ons, and ex-showroom price.

Harley Davidson Insurance Calculator

For an accurate Harley Davidson insurance price estimate, you can use an online bike insurance premium calculator available on Policybazaar.com. Enter these details to get the quote:

The specific Harley Davidson model and variant
Year of registration and RTO
Ex-showroom price of the motorcycle
Previous claim history, if any

Coverage Under Harley Davidson Bike Insurance

Inclusions
Exclusions

Harley Davidson two wheeler insurance provides broad coverage, which are as follows:

Damage to your Harley Davidson and third-party property.
Theft or complete loss of the motorcycle.
Losses due to natural events like floods, earthquakes, and storms.
Fire damage coverage.
Accidental damage from road collisions.
Coverage for specific incidents such as riots or vandalism.

Harley Davidson bike insurance comes with certain exclusions to note:

Damage due to neglect, deliberate harm, or acts of war.
Claims made while under the influence of alcohol or drugs.
Regular wear and tear, maintenance, or mechanical issues.
Incidents involving invalid licenses or incorrect registration.
Claims outside the policy coverage area or after policy lapse.

*Disclaimer: Be sure to read the policy terms carefully to understand the full scope of Harley Davidson insurance coverage and its limitations.

How to Buy/Renew Harley Davidson Bike Insurance Online?

If you're looking to buy or renew Harley Davidson insurance online, follow these simple steps:

Step 1: Visit the Policybazaar.com website and navigate to the 'Bike Insurance' section.
Step 2: For renewal, enter your Harley Davidson's registration number. For new insurance, select 'New Bike Insurance'.
Step 3: Fill in all required details accurately.
Step 4: Review and compare available insurance options to find the best fit for your Harley Davidson.
Step 5: Choose a comprehensive or third-party bike insurance and add any extra coverage as needed.
Step 6: Make the payment, and your policy document will be sent to your email.

Harley Davidson Insurance Add-ons

To enhance Harley Davidson two-wheeler insurance, choose any of these add-ons:

Return-to-Invoice (RTI) Cover
Personal Accident Cover
Zero Depreciation Cover
Engine Protection Cover
Passenger Assistance Cover
No Claim Bonus (NCB) Protection
Consumables Cover
24/7 Roadside Assistance

Add-ons for your two wheeler insurance

How to Claim Harley Davidson Bike Insurance Online

If you need to claim Harley Davidson insurance due to an accident or damage, follow these steps:

Step 1: Inform your insurer immediately after the incident or damage occurs.
Step 2: The insurer will appoint a surveyor to assess the damage to your Harley Davidson.
Step 3: The surveyor submits a report on the damage to the insurer.
Step 4: Submit the necessary documents, including ID proof, the claim form, and your policy details.
Step 5: For cashless repairs, take your Harley Davidson to an authorised service centre.
Step 6: For repairs at a non-authorised garage, pay initially and later apply for reimbursement.

Documents Needed to File Harley Davidson Bike Insurance Claims

Before claiming Harley Davidson insurance, keep these documents ready:

Bike's Registration Certificate (RC)
Original insurance policy document
Valid driving licence
No Objection Certificate (NOC) from the financier
FIR or police report, if applicable
Images of the damage
Receipts for any repairs done
Repair cost estimate
Completed and signed claim form

Harley Davidson Insurance FAQs

Q. Can we buy Harley Davidson bikes in India?

Ans: Yes, Harley Davidson bikes are available in India through official dealerships.
Q. How much does Harley Davidson cost in India?

Ans: Harley Davidson bikes in India range from around ₹2 lakhs to ₹50 lakhs, depending on the model.
Q. Why is Harley Davidson expensive?

Ans: Harley Davidson bikes are costly due to their high-quality build, powerful engines, and premium features.
Q. What is the insurance amount for a Harley Davidson bike?

Ans: Insurance for Harley Davidson bikes varies, generally starting around ₹15,000, based on model and coverage.
Q. Can I get claim in 3rd party insurance for Harley Davidson bike?

Ans: Yes, in India, third-party insurance only covers damages or injuries caused to a third party. It does not cover any damage to your own vehicle, including your Harley Davidson. You would need a comprehensive bike insurance policy to cover your bike's own damages.

Written By: PolicyBazaar

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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