Hero Xoom 110 Insurance
Hero Xoom 110 Insurance
The Hero Xoom 110 is a scooter from Hero MotoCorp, one of India's largest two-wheeler manufacturers. The Xoom 110 is designed for urban riders, offering a compact and manoeuvrable design combined with reliable and efficient performance. It is powered by a 110cc engine and features telescopic front forks and hydraulic rear shock absorber for a smooth ride, and drum brakes for reliable stopping power. With its attractive design and competitive pricing, the Hero Xoom 110 is a popular choice for urban riders in India.
A comprehensive two-wheeler insurance policy is an important financial tool for motorcycle and scooter owners in India. It provides financial protection in case of an accident, theft, natural disaster, or third-party liability.
A comprehensive insurance policy for bikes covers the repair or replacement cost of the vehicle, as well as any medical expenses incurred by the rider or passengers. Additionally, it provides peace of mind, knowing that the policyholder is financially protected against any unforeseen circumstances.
In India, it is mandatory to have at least third-party bike insurance for all registered two-wheelers, but comprehensive insurance offers a higher level of coverage and protection. If you are planning to buy a Xoom 110, then make sure that you get a comprehensive Xoom 110 bike insurance policy from a reliable insurer.
Tata AIG has an established reputation for being a high-quality insurer. With Tata AIG, you can get comprehensive coverage, affordable premiums, and flexible policy options. Tata AIG has a strong reputation, a proven track record, and a dedicated customer support team to assist you in case of a claim or any other issues. You can also benefit from a quick claims settlement process.
When you buy Xoom 110 insurance from Tata AIG, you can be assured of a seamless experience and the best protection for your two-wheeler.
Purchase or Renew Hero Xoom 110 Insurance Online with Tata AIG
With Tata AIG, you can buy Hero bike insurance online in a hassle-free manner. You can also get your Hero bike insurance renewal done within a few minutes. Here is a quick look at the process:
Visit www.tataaig.com – TATA AIG’s official website
Navigate to the Bike Insurance Page by scrolling to the top menu on the home page and clicking on All Products >> Bike Insurance or by clicking this link
Enter the registration number of your Xoom 110 and click on one of these two buttons:
Get Price: to buy a new Tata AIG Hero bike insurance policy for your Xoom 110
Renew: to renew your existing Tata AIG 2-wheeler insurance online
- On the next page, enter personal details and information about your two-wheeler and existing insurance policy (if any)
Select an IDV: We will display a range of IDVs, and you will be required to select the best for your needs.
Every bike insurance policy has a maximum sum insured. This is the extent of coverage you get with the policy. The sum insured is based on the Insured Declared Value (IDV), which is nothing but the estimated current market price of the vehicle.
Add-on covers: These are optional, additional covers that you can choose to customise the policy as per your needs. Each add-on cover increases the overall premium of the policy. Hence, ensure that you only choose the ones you require based on the risks your bike faces.
Voluntary Deductible: This is also an optional factor where you can select an amount that you will bear during a claim settlement in exchange for a discount on the premium amount. A higher voluntary deductible will mean a larger discount but will also increase your liability when you get a claim settled. Choose carefully.
- With all these details, we will create the best offer for you and display it on the next page
If you agree with the terms and amount, then you can pay the premium using one of the listed digital payment methods
- Up- on receipt of the payment, we will email the policy documents to you
Hero Xoom 110 Insurance Price – Your Premium Amount
The premium amount is determined by a lot of factors including:
Insured Declared Value (IDV): IDV is the current market value of the bike, and it's a major factor in determining the premium. The higher the IDV, the higher the premium.
Age of the Bike: Older bikes tend to have a lower IDV, so they often have lower premiums.
Make and Model of the Bike: Some bikes are more expensive to repair, and insurance companies consider this when determining the premium.
Location: Bikes kept in areas with higher crime rates or inclement weather are more likely to be damaged, so the premium for comprehensive insurance in these areas is higher.
Add-On Covers: Comprehensive bike insurance policies can come with add-on covers, such as personal accident cover or pillion passenger cover. The addition of these covers increases the premium.
You can determine the cost of your Hero Xoom 110 insurance by simply using our free-of-cost and seamless online bike insurance calculator.
Add-on Covers Available with Tata AIG Hero Xoom 110 Bike Insurance Policy
Tata AIG provides a total of seven add-ons or riders with Hero Xoom insurance to enhance the coverage and protection of the insured vehicle. Here are the add-ons that are available with the Tata AIG Hero Xoom insurance policy:
Roadside Assistance
Personal Accident Cover
Return to Invoice
Engine Protect Cover
Consumable Cover
Zero Depreciation Cover
Emergency Medical Expenses Cover
Things Covered and Not Covered under Hero Xoom 110 Insurance
Here is a list of things covered and not covered under a Hero Xoom 110 bike insurance policy:
| Things covered under Tata AIG Hero Xoom 110 Insurance | Things not covered under Tata AIG Hero Xoom 110 Insurance |
|---|---|
| Own Damage Cover: This covers the damages to your bike in the event of an accident, theft, fire, or natural calamities such as floods, earthquakes, etc. | Normal Wear and Tear: Damages caused by normal wear and tear, such as worn-out tires, batteries, and other parts, are not covered by the policy. |
| Third-Party Liability: This covers any third-party damage or injury caused by the policyholder while riding the bike. This includes coverage for bodily injury, death, or property damage. | Mechanical and Electrical Breakdowns: Damages caused by mechanical or electrical failures, such as engine breakdowns, are not covered under the policy. |
| Personal Accident Cover: This covers personal injury or death to the policyholder while riding the bike. This can provide financial support to the policyholder or their family in the event of a serious accident. | Illegal Activities: Damages or losses incurred while participating in illegal activities, such as racing or joyriding, are not covered by the policy. |
| Medical Expenses: This covers the medical expenses incurred by the policyholder or pillion passenger in the event of an accident. | Driving under the Influence: Damages caused while driving under the influence of alcohol or drugs are not covered by the policy. |
| Add-on covers: TATA AIG offers a wide range of add-on covers like the return to invoice, no-claim bonus protection, zero depreciation, roadside assistance, and engine protection cover to help you customise the policy as per your needs. | Deliberate Acts: Damages caused by deliberate acts, such as intentional damage or theft, are not covered by the policy. |
| Lack of Maintenance: Damages caused by lack of proper maintenance, such as not changing the oil or not replacing worn-out parts, are not covered by the policy. |
Why Is It Important to Have a Hero Xoom 110 Insurance Plan from Tata AIG?
Wide Coverage: Tata AIG provides comprehensive coverage that covers own damage, third-party liability, personal accident cover, pillion passenger cover, medical expenses, and more.
Strong Financial Position: Tata AIG is a subsidiary of the Tata Group, one of India's largest and most financially stable conglomerates. This means that policyholders can trust Tata AIG to meet their obligations in the event of a claim.
Cashless Claim Settlement: Tata AIG has a network of authorised garages across the country where policyholders can get their bikes repaired without having to pay upfront. This makes the claims process more convenient and stress-free.
Strong Customer Service: Tata AIG has a strong reputation for customer service and is known for providing prompt and efficient claims service. Policyholders can expect to receive the support they need in the event of a claim.
Customizable Policies: Tata AIG offers a range of add-on covers, such as personal accident cover and pillion passenger cover, that policyholders can choose to add to their policy to customise their coverage.
Online Policy Purchase: Policyholders can purchase Tata AIG bike insurance policies online, making the process quick and easy. They can also manage their policy and file claims through the insurer's website.
Overview: Hero Xoom 110
The Hero Xoom 110 is a popular scooter from Hero MotoCorp. Some of the key features and specifications of the Xoom 110 include:
Engine: The Hero Xoom 110 is powered by a 110cc, air-cooled, 4-stroke single-cylinder engine that delivers 8 Ps of power and 8.7 Nm of torque.
Design: The Hero Xoom 110 has a peppy and compact design with sharp cuts and creases in the right places.
Suspension: The motorcycle features telescopic forks at the front and a single shock absorber at the rear for a smooth and comfortable ride.
Brakes: The Hero Xoom 110 is equipped with 130 mm drum brakes at the front and rear, providing strong and reliable stopping power.
Tyres: The motorcycle features 90/90-12 front and 100/80-12 rear tubeless tyres for improved grip and stability on the road.
Comfort: The Hero Xoom 110 has a wide, comfortable seat and a well-designed handlebar that provides a relaxed riding posture. It also has a 19.2-litre storage capacity under the seat.
Instrumentation: The Hero Xoom 110 is equipped with a digital speedometer and a fuel gauge, providing riders with important information about their motorcycle.
Fuel Efficiency: The Hero Xoom 110 has a fuel tank capacity of 5.2 litres and a fuel efficiency of around 45 kmpl, making it a cost-effective choice for daily commuting.
Hero Xoom 110 Variants and Prices
| Variants | Ex-showroom Price Delhi |
|---|---|
| Xoom 110 LX | Rs. 68,599 |
| Xoom 110 VX | Rs. 71,799 |
| Xoom 110 ZX | Rs. 76,699 |
Unique Selling Points: Hero Xoom 110 Features
The Hero Xoom 110 has several unique selling points. These include:
Affordable Price: The Hero Xoom 110 is affordable, making it a popular choice for budget-conscious riders.
Fuel-Efficient Engine: The 110cc engine is fuel-efficient, delivering an average fuel efficiency of 45 kmpl, reducing fuel costs and making it a cost-effective option for daily commuting.
Sporty Design: The Hero Xoom 110 has a sporty and aggressive design that appeals to younger riders and those who enjoy a stylish and eye-catching ride.
Good Handling: The motorcycle features telescopic forks at the front and a mono-shock at the rear, providing a smooth and comfortable ride. The well-designed handlebar and seat also offer a relaxed riding posture.
Reliable Brakes: The Hero Xoom 110 is equipped with 130 mm drum brakes at the front and rear, providing strong and reliable stopping power.
Large Storage Capacity: The Hero Xoom 110 has a large storage capacity under the seat, making it convenient for riders who need to carry items with them.
Good after-sales service: Hero MotoCorp has a strong network of dealerships and service centres across the country, making it easy for riders to get their motorcycle serviced or repaired if needed.
Warranty: The Hero Xoom 110 comes with a standard warranty, providing peace of mind to riders and protection against any manufacturing defects.
Top 3 Rivals of Hero Xoom 110
Hero Maestro Edge 110
Honda Dio
Honda Activa
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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How to Claim Hero Bike Insurance?
How to Claim Hero Bike Insurance?
Claiming your Hero two wheeler insurance is easy when the claim process is as swift and simple as the one Tata AIG offers online. Here are the steps you need to follow:
- Visit the official Tata AIG website, go to the Claims page and click on “Initiate Claim”.
- Log in with your registered mobile number and click Confirm to proceed.
- Provide your Hero bike insurance policy number, the FIR details and other required details as mentioned on our online form.
- Our surveyor will check the damages on your bike and it will be sent to the nearest network garage for repairs.
- After this, we will initiate the claim settlement process.
- Once this settlement is fulfilled, your repaired vehicle will be returned to you.
For queries on the claim process or any other assistance, you can contact our support team and we will help you out!
How To Renew Hero Bike Insurance?
At Tata AIG, we can say that your Hero bike insurance renewal process will be quick and hassle-free when you follow our simple online process:
Visit our official Tata AIG website, go to the Bike Insurance page.
- Fill in your bike registration number on the calculator and click on “Renew”.
- The necessary details will be fetched by the bike insurance calculator after which you can mention the other details as required.
- If you have filed a claim previously, add the details. Otherwise, you can opt for the No Claim Bonus discount. At this step, you can also add or remove any add-on covers to your comprehensive bike insurance policy.
- You will then be able to view your Hero bike insurance renewal price. Once you make the payment, the policy will be renewed.
What is the price of a Hero bike?
The price of a Hero bike will vary depending on the model and the variant. The lowest price for a Hero bike is ₹49800 for the Hero HF Deluxe while the most expensive model is the Hero Xtreme 200S, priced at ₹1.24 lakhs.
How does the Zero Depreciation cover help my Hero bike insurance policy?
The Tata AIG Depreciation Allowance, also known as Zero Depreciation or Nil Depreciation, helps you claim the full insurance amount on the total loss of your bike, without factoring in the depreciation charges, as per the terms and conditions of the insurance policy. The Depreciation Allowance is, however, an add-on cover that can be included in your comprehensive bike insurance policy for an extra premium charge.
How soon should I complete my Hero insurance renewal to avail of the NCB?
It is advisable to complete your Tata AIG Hero bike insurance renewal online at least a few days before the policy is about to expire. That way you can ensure you do not miss out on the protection or the No Claim Bonus discount on premiums offered by the Hero two wheeler insurance.
However, if you forget to renew your Hero bike insurance on time, we offer you a grace period of 90 days during which you can easily renew your bike insurance policy online. But do note that after this grace period if the renewal is still not done, your policy will lapse and you will not be able to utilise the No Claim Bonus.
Disclaimer: All the bike prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.
Why is a third-party bike insurance policy mandatory?
A third-party bike insurance policy is mandatory in India as per the Motor Vehicles Act 1988. This law requires that all vehicles, including two-wheelers, must have at least a minimum level of insurance coverage in order to operate legally on public roads.
A third-party bike insurance policy covers damages or injuries caused to third-party individuals or property by the insured bike. It means that if the insured bike is involved in an accident and causes damage to another person's property or results in injury or death to a third party, the insurance company will compensate the affected parties for the damages or injuries as per the terms and conditions of the policy.
What does Zero Depreciation in a two-wheeler insurance policy mean?
Zero Depreciation or Zero Dep insurance in a two-wheeler insurance policy is an add-on cover that provides the policyholder full coverage for the repair or replacement cost of damaged parts without accounting for depreciation.
In a standard two-wheeler insurance policy, the insurance company applies depreciation to the cost of parts that need to be repaired or replaced due to damage. Depreciation is the decrease in the value of an asset over time, which means that as a two-wheeler age, the value of its parts decreases. Therefore, the insurance company will only pay for the current value of the parts after accounting for depreciation, and the policyholder will have to bear the remaining cost.
Why does IDV matter in bike insurance?
IDV, or Insured Declared Value, is an essential factor in bike insurance. It refers to the maximum sum insured or the bike's market value that an insurance company will provide in case of theft or total loss due to damage.
IDV is important in bike insurance because it determines the compensation the policyholder will receive in case of theft or total loss of the bike due to damage. In case of theft or complete loss, the insurance company will provide compensation based on the IDV of the bike mentioned in the policy document. Therefore, it is crucial to ensure that the IDV mentioned in the policy accurately represents the bike's market value.
How to know if my Hero Xoom 110 insurance needs renewal?
In order to know if your Hero Xoom 110 insurance policy needs renewal, you can follow these steps: Check the policy document: The policy document for your Hero Xoom 110 insurance policy will mention the policy's expiry date. If the policy has expired, it will need to be renewed. Check your insurance provider's website: Many insurance providers have an online portal where policyholders can log in and check the status of their insurance policy, including the expiry date. You can check your insurance provider's website and log in to your account to check if your policy needs renewal. Contact your insurance provider: You can contact your insurance provider's customer support team and enquire about the status of your Hero Xoom 110 bike insurance policy. They will be able to inform you whether your policy needs renewal or not.
Disclaimer: All the bike prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.
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