TVS Ntorq 125 Insurance

TVS Ntorq 125 Bike Insurance Summary

TVS Ntorq 125 is a 118 kg scooter available in three variants in India. The variants are drum brake, disc brake, and race edition. The scooter is available in a wide variety of colors including matte yellow, matte red, matte silver, metallic grey, metallic blue, metallic red, and yellow and red. One of the most feature-loaded scooters in India, TVS Ntorq 125 has a 22 litre under seat storage, a USB charging port, LED tail lamp, engine-kill switch, turn by turn navigation, external fuel filler cap, DRL, app assistance, lap timer, helmet reminder, and pass beam function. It has a 124.8 cc engine that generates 9.1 bhp of power and 10.5 nm of torque and claims a top speed of 95 kmph. The scooter is popular among the youth because of its sporty styling.

To be able to ride your TVS Ntorq 125 legally on the Indian roads, you must have a third party bike insurance policy. It is mandatory as per the Indian Motor Tariff to have one and hence, you can be punished in case you ride without it. The punishment can be a fine of Rs. 2,000 and/or imprisonment for up to 3 months. So, it is better to buy one and timely renew your third-party bike insurance policy. Along with a third party bike insurance policy, you can also buy a standalone own-damage bike insurance policy or a comprehensive bike insurance policy and get extended coverage.

Benefits of Buying TVS Ntorq 125 Insurance Online from InsuranceDekho

Purchasing your TVS Ntorq 125 bike insurance through InsuranceDekho offers several advantages that can enhance your insurance buying and managing experience. Here are some key benefits:

1. Wide Range of Choices: InsuranceDekho collaborates with various insurers, providing a broad spectrum of insurance options. This allows you to compare different policies and select one that best suits your requirements and budget.

2. Easy and Convenient Process: The entire process of selecting and buying insurance on InsuranceDekho is online, which saves time and offers convenience. You can complete the process from anywhere, without the need for physical visits to an insurance office.

3. Tailored Insurance Solutions: You have the flexibility to customize your insurance policy based on your specific needs. Whether it's opting for comprehensive coverage, adding specific riders, or adjusting the Insured Declared Value (IDV), InsuranceDekho provides the options you need.

4. Instant Policy Issuance: Once you have selected your insurance plan and completed the payment, your policy is issued instantly. The digital copy of the policy is sent to your email, ensuring immediate coverage.

5. Expert Assistance: InsuranceDekho offers expert guidance to help you make informed decisions. If you have questions or need advice, their team is available to assist you.

6. Transparent Process: The platform operates with complete transparency. There are no hidden costs or charges, and the details about premiums and coverage are clearly presented.

7. User-Friendly Interface: InsuranceDekho’s website is designed to be intuitive and easy to navigate, making it accessible even for those who are not tech-savvy.

By choosing InsuranceDekho for your TVS Ntorq 125 bike insurance, you get a hassle-free, transparent, and informed insurance buying experience, ensuring that your bike is adequately protected according to your needs.

What’s covered by TVS Ntorq Bike Insurance?

Most bike insurance providers include the following factors in TVS NTorque bike insurance:

Types of Insurance Cover

1. Third Party Bike Insurance Policy: As discussed above, having a third party cover is mandatory in India. But not only to fulfil the legal obligation, you must also buy it to get your bike covered against third party liabilities including individual, property, or vehicle that are not included in the insurance contract. You can get benefits of up to Rs. 1 lakh under a third party bike insurance policy.
2. Standalone Own-Damage Bike Insurance Policy: A standalone own-damage bike insurance policy can be purchased to get cover for expenses related to own damages sustained by your bike. But remember that it is not a substitute for a third party insurance policy. You must buy it along with a third party bike insurance policy.
3. Comprehensive Bike Insurance Policy: A comprehensive bike insurance policy offers you the benefits of both third party bike insurance policy as well as a standalone own-damage bike insurance policy. It offers you extensive coverage by covering in all situations.

How to Buy Insurance for TVS Ntorq 125 from InsuranceDekho

Purchasing a reliable insurance policy for your TVS Ntorq 125 online at InsuranceDekho is a very simple and transparent process. All you need to do is follow the easy steps given below:

Step 1: Visit the official website Insurancedekho.

Step 2: Enter your bike’s number in the ‘Get Your Quote’ section. If you do not know the number, then kindly enter its other details including the brand, model, fuel type, variant, registration year, etc. Proceed.

Step 3: Enter your personal details such as Name and Mobile Number. You will see the most relevant bike insurance quotes on your screen.

Step 4: Select the most suitable one for your TVS Ntorq 125 keeping in mind your budget and requirements.

Step 5: Pay for the selected policy. You will receive the policy document via email.

TVS Ntorq Bike Insurance Claim Process

To begin the claim process for your TVS NTorque bike insurance, call your insurance provider immediately after the incident/accident that caused damage to your bike. The process may differ depending on the mode of the final settlement you chose when you signed your bike insurance agreement. Here are a few steps to follow to have a hassle-free claim process.

Register your claim

Immediately after the incident/accident/ theft, call your insurance provider and share your insurance policy details. Keep the following information handy at the time of calling your insurer:

1. Your policy number and registration details.
2. Your two-wheeler’s registration card.
3. Your driving licence number.

They will register your claim and provide a reference number for future use.

File an FIR

• An FIR is the first legal record of the events that led to your TVS NTorque’s damage, especially in case of an accident or theft.
• Contact your nearest police station and provide them with relevant information to file an accurate FIR. Insurers have the right to refuse claim settlement if there is no FIR.

Surveyor Inspection

• Most insurers allot a surveyor to assess the extent of damage within 24 hours of receiving a claim settlement request.
• One must submit relevant documentation to the surveyor at the time of inspection.
• The surveyor sends a detailed report to the insurance company within 10-15 days of the incident.

Verification of Claim

The insurance company verifies the claim request based on the surveyor’s report and approves or denies a claim.

Final Settlement

• Depending on whether you have opted for cashless settlement or reimbursement, the bike is either repaired at one of the network garages or you may have the choice to repair it at a garage of your choice.
• The final settlement is calculated by insurers after considering any add-ons that you may have opted for and the IDV of the two wheeler at the time of settlement.

Documents Required for TVS NTorq Insurance Claim

Third-party insurance claim

For third-party cases, the documents for bike insurance claim include the following:

1. A correctly filled and signed claim form
2. A copy of the police FIR
3. A copy of the registration certificate (RC)
4. A copy of the driver’s licence (DL)
5. Stamp for the registered vehicle’s original documents.

Bike theft claim

In case of bike theft, the insurer will need the following documents to process the claim:

1. A copy of your insurance policy
2. Theft declaration form from the RTO
3. A copy of the police FIR
4. Forms 28, 29, 30, and 35
5. Tax receipts
6. Subrogation letter
7. The original bike registration book
8. The previous policy information, such as the name of the insurer, duration, and time of the insurance policy.
9. Claim discharge voucher together with the revenue stamp signature
10. Important items like warranty cards, booklets, and duplicate keys
11. Official RTO intimation concerning theft and vehicle discontinuation.

Accident claim

Documents required for a bike insurance claim during an accident include the following:

• A duly filled and signed claim form
• Copy of your insurance policy
• Your bike registration certificate copy
• Tax payment receipts
• A copy of the police FIR
• An estimation of the bike repair amount
• Original repair cost and payment receipts
• Bike inspection address