A PUC (Pollution Under Control) certificate confirms that the emission levels of your bike are under control. As per the IRDA, it is mandatory to carry the PUC certificate while renewing your two-wheeler insurance.
Authorized testing stations are available across the country to test the emission levels of your two-wheeler. These stations are mostly found near petrol pumps or on the highways. Therefore, getting a PUC certificate for your vehicle shouldn’t be an issue at all.
Once you obtain this certificate, it remains valid for 12 months. You need to renew the PUC certificate by visiting an emission station after every 6 months. The PUC testing also determines the condition of your two-wheeler. It is essential to maintain a bike in good condition to avoid an increase in the policy premium while renewing it. You can continue with your existing policy or switch to a new policy during policy renewal. The following things will guide you while renewing your two-wheeler insurance policy:
Online renewal policy
Choose an insurer that offers a hassle-free bike insurance renewal process. For instance, Bajaj Allianz bike insurance provides an online policy renewal process to impart convenience to their customers.
You just have to fill in the details and expiry date of your current policy on their portal. You will get a quotation and if you are happy with premium and features, proceed with the online payment. Bajaj Allianz bike insurance also enables you to select longer policy duration to avoid the hassles of bike insurance renewal.
Customize your insurance policy
While renewing your bike insurance policy you must be aware that it is also the best time to make some necessary amendments to it. You can add some additional covers during policy renewal to ensure higher coverage. Also, you can get rid of the unwanted add-on covers that simply increase the premium of your insurance policy.
Look for better services
If you are unhappy with the services of your existing insurance provider, you can switch to an insurer that offers better services. For example, Bajaj Allianz bike insurance offers 24/7 roadside assistance, quick and seamless online renewal, towing services, and other facilities. It offers cashless claim settlement at select garages across the nation. Also, you have the choice of purchasing either third-party liability cover or full bike insurance according to your needs.
Personal accident cover
You must check the personal accident coverage amount offered by the insurer. A higher coverage amount will ensure that your medical expenses are covered completely after an accident.
Bajaj Allianz bike insurance offers a personal accident cover of up to Rs. 15,00,000. This coverage applies to the owner or driver of your vehicle. You become eligible for the personal accident cover only if you were driving, mounting, or dismounting from the two-wheeler during the accident. You may also avail of an add-on pillion rider cover for covering the medical expenses of your loved ones who travel with you regularly.
Apart from accidents, the bike insurance from Bajaj Allianz also provides coverage for the damages caused due to earthquakes, floods, landslides, hailstorms, cyclones, and other natural calamities. The damages sustained on your two-wheeler due to strikes, riots, burglary and other disasters that are created by man are also covered by Bajaj Allianz bike insurance cover.
The coverage for the damage caused in transit by rail, lift/elevator, inland waterway, or road is also included in a two-wheeler insurance policy. Also, note that the comprehensive cover also includes third-party insurance by default. Due to these benefits and facilities, you can opt for Bajaj Allianz bike insurance while renewing your two-wheeler insurance.