Insurance For Bajaj Pulsar NS160

The Bajaj Pulsar NS160, boasting a potent 160.3cc engine, stands out as a premium and powerful motorcycle with a price tag of ₹1,19,418 (ex-showroom Delhi). It's essential to factor in the cost of NS160 insurance alongside the bike's price. To ensure comprehensive coverage against unforeseen mishaps, consider opting for a reliable Bajaj Pulsar NS160 bike insurance plan.

*Third-party premium rates are indicative. The actual premium that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your bike insurance policy.

Applying for Bajaj Pulsar NS160 insurance online is a straightforward process. Just follow these steps:

• Visit the Bike Insurance Calculator and provide your details, including the registration number and mobile number.

• Choose from the displayed insurance plans based on your preferences.

• Complete the payment of your premium through various available online modes.

You will receive a copy of your Bajaj Pulsar NS160 insurance in your email shortly after the successful transaction.

Ensuring your Bajaj Pulsar NS160 is insured is crucial due to the inherent risks associated with riding two-wheelers. Unlike cars, motorcycles lack the protective enclosure of a cabin, making them more vulnerable to accidents. The repair or replacement costs resulting from unfortunate incidents can range from ₹30,000-₹40,000, or even higher. Therefore, having Bajaj Pulsar NS160 insurance is essential. In India, it is not merely an option but a legal requirement for all bikes and scooters to be insured while on the roads.

Traditionally, bike insurance is divided into two main types. Here’s a look at both so that you can decide what suits your Bajaj Pulsar NS160 the best.

• Third-Party Liability Insurance Plans

As per the Motor Vehicle Act, 1988, every motor vehicle on the roads must have third-party bike insurance. If you accidentally cause damage to a third person or their property while riding your Bajaj Pulsar NS160, you are liable for the costs. Third-party liability insurance covers these costs, but it does not cover damages to your bike.

• Comprehensive Plans

A comprehensive bike insurance plan provides all-encompassing coverage for your Bajaj Pulsar NS160. This plan is a combination of third-party liability insurance and own damage coverage. In case of an accident, damages to your Bajaj Pulsar NS160 and third-party damages are covered.

Choosing between third-party and comprehensive insurance depends on your specific needs and the level of coverage you desire.

1. Third-Party Insurance:

• Coverage for bodily injuries to third parties.
• Protection against third-party property damage.
• Death benefits for the victim.
• Personal accident cover.

2. Comprehensive Insurance:

• Own damage coverage for your Bajaj Pulsar NS160.
• Protection against theft.
• Coverage for damages due to man-made disasters.
• Protection against natural calamities.
• Third-party liabilities.
• Personal accident cover.

• Driving under the influence of an intoxicant.

• Lack of a valid driver’s license.

• Damages incurred while conducting an illegal act.

• Damages caused during unauthorized use of the bike.

• Regular wear and tear.

• Electric and mechanical failures.

• Other exclusions as per policy terms and conditions.

When it comes to safeguarding your prized possession, the Bajaj Pulsar NS160, bike insurance companies provide add-on covers to enhance your basic plan. These features offer additional protection beyond the standard coverage. While options may vary among insurers, here are some common add-ons to consider for your Bajaj Pulsar NS160 insurance:

• Zero-Depreciation: This cover is suitable for Bajaj Pulsar NS160 up to 5 years old, addressing the depreciation of parts due to wear and tear

• Roadside Assistance: Ensures essential aid if your bike breaks down, covering services like towing, fuel delivery, and more

• Return to Invoice: Compensates for the invoice price in case of theft or irreparable damage, ensuring you receive the original amount paid for your Bajaj Pulsar NS160

• Accessories Cover: Protects additional accessories added to your bike, covering items not part of the standard model

• Passenger Cover: Enhances coverage to include the pillion rider, providing financial protection for injuries to the passenger

You will be required to present the following documents when filing a claim:

1. Duly filled Claim Form

2. Policy Papers

3. Driver’s licence

4. RC

5. The ID of the claimant

6. Original bills, in case of a reimbursement

7. Copy of the FIR, in case of theft

8. Copy of MCR, in case of a third party claim

Filing a claim for your Bajaj Pulsar NS160 insurance is a simple process, but it requires attention to key details:

• Timely Notification: In the event of an accident, notify your insurer promptly

• Preferred Network Garages: If possible, choose a network garage for repairs. If not available, you can opt for reimbursement

• Theft Reporting: In case of theft, file an FIR promptly and inform your insurer immediately

• Third-Party Claims: If the accident involves injuries, damage to third-party property, or another person's vehicle, file an MCR (Motor Collision Report) at the nearest police station

Given below are some of the important tips that you can use to get your bike insurance premium lowered:

• Anti-Theft Devices: Install ARAI-authorized anti-theft devices for an additional discount on your insurance premium.

• Compare Quotes: Prior to purchasing bike insurance, compare quotes from various providers to secure the most affordable option.

• Safe Driving Habits: Adhering to traffic rules and driving cautiously can help you maintain a claim-free record, leading to lower insurance premiums.

• Regular Maintenance: Keeping your Bajaj Pulsar NS160 in excellent condition not only ensures its longevity but also contributes to a reduced insurance premium based on your bike's overall condition.

The claim that you can raise depends on the garage in which you got your Bajaj Pulsar NS160 repaired:

1. Cashless Claim

At a network garage, the company will settle the repair bill on their own in this type of claim. You just have to get the bike repaired at any network garage by the insurer. After a successful verification, the claim will be directly settled by the network garage without you paying a single penny.

2. Reimbursement Claim

In case you cannot get the bike repaired in a network garage, you can file for a reimbursement claim. Make sure that you inform the company about the same. To make this claim, get your Bajaj Pulsar NS160 repaired and make the payment upfront. Make sure to keep all the bills safe. Submit these documents and bills to the insurance company. Once the verification is complete, the claim amount that you paid for the repairs will be reimbursed to your bank account.

The Bajaj Pulsar NS160 promises high performance, but safeguarding it with insurance is essential for financial protection against unforeseen circumstances. When seeking two-wheeler insurance, prioritize those with comprehensive coverage and opt for reputable insurers with a strong claim settlement track record. Explore the diverse insurance plans available at Bajaj Markets to find the perfect fit for your needs. Visit today and ensure your prized possession is well-protected.