Royal Enfield Scram 411 Insurance in India - Cost & Specifications

Royal Enfield Scram 411 is an urban off-road bike from the house of Royal Enfield. If you intend to purchase the Scram 411, you would know that you also need to buy bike insurance along with it. You cannot drive a vehicle on Indian roads without insurance, since the Motor Vehicles Act, 1988, makes it mandatory to have at least third-party liability cover.

The Scram 411’s insurance cost is included in the on-road price of the bike. This value changes depending on the details of the plan you have chosen, and so it is important that you familiarise yourself with all these finer nuances of Scram 411 insurance before deciding which plan is perfect for your Royal Enfield bike.

Check Insurance Premium For Royal Enfield Scram 411 Variants

The Scram 411 comes in 3 variants, and the on-road price starts at Rs. 2.36 Lakhs after adding RTO charges and insurance costs. You can use a bike insurance calculator to calculate these complicated prices. The online bike insurance calculator offered by Bajaj Markets is easy to use and error-free.

Before choosing a two wheeler to buy, you should be aware of the Scram 411 insurance cost. Check out the insurance premium for different variants here.

 

Disclaimer: The information in the table above is for brand new Scram 411 vehicles. Premium costs depend on the model, fuel type, variants, year and place of registration, add-ons, IDV, and other relevant factors.

 

How to Buy Royal Enfield Scram 411 Insurance Online?

Now, you must be aware of the cost of Scram 411 insurance in India. The next step will be buying a Scram 411 insurance cover for your vehicle. You can buy bike insurance online using the Bajaj Markets platform, which provides a quick and hassle-free Scram 411 insurance purchase.

 

Follow the below-mentioned steps to buy Scram 411 insurance online:

 

1. Visit the Bajaj Markets website and head over to the bike insurance calculator.

2. Click on ‘Buy Now’.

3. Now, fill in the details of your bike, such as the vehicle registration number and your phone number.

4. Enter other required details and fill the application provided.

5. You can check the Scram 411 insurance plans available online and choose one that fulfils your needs.

6. Check what premium is due and pay this online immediately.

7. Once the payment is confirmed, your Scram 411 insurance policy will be sent to your email ID.

 

Read More- Royal Enfield Insurance

 

How to Renew Royal Enfield Scram 411 Insurance Online?

Always remember to renew your Scram 411 insurance on time to avoid penalties and ensure financial protection. Renewing your Scram 411 insurance is a simple process. Given below are the steps for it:

 

• Visit your insurer’s website.

• Enter the details of your vehicle, like the registration number as well as your phone number.

• Fill in the details of your existing Scram 411 insurance policy or policy which has expired.

• You can check your Scram 411 insurance renewal amount online.

• Make your premium payment online.

• Download your renewed Scram 411 insurance policy, once the payment is confirmed.

Read More: Bike Insurance Renewal

 

Why to Insure Your Royal Enfield Scram 411?

Though these processes are easy and quick, you may be wondering why you should buy Scram 411 insurance. Here is why you should insure your Royal Enfield Scram 411 while purchasing it.

 

• A third-party vehicle insurance is mandatory to drive on Indian roads

• Insurance covers for third-party liabilities in the event of an accident

• Through network garages, you can enjoy the benefits of cashless transactions

• Scram 411 insurance provides protection for your bike against natural calamities, theft, fire, etc.

• Comprehensive policies provide personal accident cover

 

Types of Royal Enfield Scram 411 Insurance

There are two types of Scram 411 insurance policies; comprehensive and third-party bike insurance. You can choose any one of them based on your requirements.

    1.Third-Party Bike Insurance

A third-party bike insurance is the basic form of insurance cover. It covers bodily injury and /or death of a third-party and protects you from financial liabilities. The insurer will pay for the property damage to a third-party in the event of an accident involving the insured bike.

    2.Comprehensive Bike Insurance

A comprehensive bike insurance is an enhanced version of the third party one. While providing third-party coverage, it also provides personal accident cover for the damages caused to the insured bike. Other than that, loss and damage to the vehicle due to theft, natural calamities, etc., are also covered under this plan.

 

Inclusions

Whether you choose a third-party or a comprehensive plan, there are always inclusions in any plan, and these are conditions that your Scram 411 insurance cost will cover. Here are some common inclusions you can find in third-party and comprehensive plans:

 

• Third-party liability coverage

• Personal accident coverage

• Accident coverage for other riders

• Expense cover for repairs and replacements

• Damage or destruction caused as a result of natural or man-made calamities

 

Exclusions

Every vehicle insurance plan contains particular exclusions as well. Exclusions in the Scram 411 insurance can be deciding factors in selecting a given plan.

These are the common exclusions you will come across:

 

• Bike’s regular wear and tear

• Mechanical or electrical breakdown

• Any damage caused if you are driving under the influence of any intoxicants

• Loss or damage arising out of a war-like circumstance

• Damage or loss while you are driving without a valid licence

• Damages which are sustained while your policy is inactive/invalid

 

Add-On Covers for Your Royal Enfield Scram 411 Bike Insurance

While comprehensive Scram 411 insurance helps you deal with the financial liability of an accident, it may not be completely enough. Note that the Scram 411 insurance price rises as you add more covers. Here are some add-on covers that offer additional protection to your insured bike.

 

• Zero Depreciation

It is commonly known as nil depreciation cover. This cover helps you manage external costs. Zero-depreciation cover takes care of all body repairs with no depreciation in the value of the bike’s external parts.

 

• Passenger Cover

It financially protects the passengers travelling on the insured bike against death or disability due to an accident.

 

• Engine Protection

The replacement and repair of your bike’s engine parts are covered under the engine protection add-on.

 

• No Claim Bonus Protection

For a successful claim-free year, you will receive 20-50% of the premium paid No Claim Bonus (NCB) every year. Even if you make some smaller claims as per the policy terms, the NCB Protection add-on helps you to retain your discount.

 

Royal Enfield Scram 411 Claim Process

You can file cashless claims and reimbursement claims for your Scram 411 insurance pretty easily. All you require to do is to follow the steps mentioned below:

 

Process to File Cashless Claims

Your insurance company directly settles bills with the network garage if you are going for a cashless claim on Scram 411 insurance. For cashless claim:

 

• Register your claim through your insurer’s website or the toll-free number. Else, you can use the Bajaj Markets website to do the same.

• Then, go to the nearest network garage and get your bike repaired.

• Provide the required documents to your insurer.

• Your insurer will verify the submitted documents.

• Once it is verified, all your bills will be directly settled with the network garage.

 

Process To File Reimbursement Claims

In a reimbursement claim on Scram 411 insurance, your insurer will reimburse the costs incurred while repairing your bike. For claiming reimbursement:

 

• Inform your insurer about the incident and the damages sustained immediately.

• If it is a major accident where a third-party is involved, file an FIR.

• Repair your vehicle at the garage of your choice and pay for it.

• Submit the FIR, original receipts, bills and other documents to your insurance company.

• Once verification is complete, your insurance company will settle your claim and reimburse the costs incurred.

 

Documents Required for Filing a Royal Enfield Scram 411 Insurance Claim

Here is a list of documents you should submit to your insurer if you want to claim Scram 411 insurance.

 

• Bike insurance policy document

• Vehicle details and information

• Details of the incident

• In case of theft or damage by a third party, a copy of the FIR filed

• All original receipts/bills of replacement or repair

 

How to Reduce Insurance Cost for Your Royal Enfield Scram 411

You can considerably decrease your Scram 411 insurance cost if you follow the below-mentioned strategies.

 

• Don’t buy all add-on covers, as this increases the premium of the Scram 411 insurance plans.

• Avoid modifications that increase the chance of theft.

• Pay for small repairs and replacements from your own pocket.

• The higher the deductible (the amount that you pay from your pocket before the claim is covered), the lower the premium that you pay on your Scram 411 insurance.

• Browse through different Scram 411 insurance plans and opt for one that suits your budget.

 

Top Tips to Maintain Your Royal Enfield Scram 411

Your off-roader bike, Scram 411 will be the apple of your eye. If you take good care of this vehicle, it will provide convenience and comfort for several years. Here are some top tips to maintain your bike well:

 

1. Service your vehicle at regular intervals.

2. Check tyres for wear and tear and replace them, if required.

3. Oil changes at recommended intervals will keep the bike running for years without any trouble.

4. Clean the air filters of the bike regularly.

5. Lubricate and clean the sprockets of your bike chain at regular intervals.

6. Check the level of distilled water in your bike’s battery every couple of weeks.

7. Keep the carburettor cleaned at all times and set the gaps of your spark plug correctly.

 

Royal Enfield Scram 411 Maintenance Cost

 

You should take your Scram 411 only to authorised centres for regular vehicle services. To know the approximate amount of Scram 411 service cost, check out the table given below: