Karizma Bike Insurance

Being a flagship offering from the stable of Hero MotoCorp, Karizma is designed to have looks that substantially distinguish it from its siblings. With a flared side profile that aids aerodynamic characteristics and a taller tail section, the bike is meant to look aggressive while being practical in order to cope with Indian riding conditions.

Karizma, the first Indian entry-level performance bike.

Karizma made its debut back in 2003 when it was touted as the first semi-faired motorcycle in the country. After the launch of Karizma in 2003, it underwent changes in performance released as Karizma R, and then again in 2009, it was upgraded as Karizma ZMR with changes in cosmetic and performance.

Variants of Hero MotoCorp Karizma

Variant	223 cc
Power	19 hp
Torque	19 Nm
Transmission	5-Speed
Acceleration (0-60 kmph)	3.8 seconds
Fuel Economy (kmpl)	30 kmpl

Other Models Manufactured by Hero

This motorcycle has three models with the Deluxe and Standard version. It has 1 type of engine and manual transmission.

Pleasure

This series of scooters has two models with Standard version with the same type of engine, automatic transmission.

Splendor

This series of motorcycle has 5 models. It has its own versions with different engine type.

Passion

This series of motorcycle has 3 models. It has its own versions with different engine type but same transmission.

Maestro

This scooter has a Standard version with 109 cc engine and automatic transmission.

Glamour

This series of motorcycle has 2 models with each having their own versions with different engine type but same transmission.

Ignitor

This series has two versions and different brake system.

Xtreme

This series has two models each having two versions with 149 cc engine.

Hunk

This series has two versions and different braking system and manual transmission.

Impulse

This motorcycle has a Standard version with 149 cc engine and Manual transmission.

Why is it Important to Insure your Hero MotoCorp Karizma

Coverage for any damages/losses caused to a third party.
Comprehensive coverage for your own two-wheeler.
Coverage upto the insured declared value in case of theft or
Benefits of cashless transactions through network garages.

Essentials about Insurance for Hero MotoCorp Karizma

Third-party Liability Insurance:

Covers bodily injury and /or death of a third party
Property damage to third party
Personal Accident cover for owner driver

Comprehensive Insurance:

Third-party liability coverage
Loss and damage to the vehicle due to accident, theft, natural calamities, etc.
Personal accident cover for the owner-driver

What two-wheeler insurance covers for your Hero MotoCorp Karizma

Loss or damage caused by natural calamities
Total loss because of fire, explosions or an act of terror
Total loss because of theft
Personal Accident cover for owner driver
Own-damage cover
Third-party liability cover

What two-wheeler insurance doesn’t cover for your Hero MotoCorp Karizma

Normal Wear and Tear and Electrical or Mechanical Breakdowns
Damage to Tyres (unless vehicle also damaged)
Driver without a Valid Driving License
Driving under the influence (DUI) of intoxicants such as liquor or drugs
When the two-wheeler is used for any illegal purpose
Usage outside geographical limits
If the vehicle is used for hire or reward, carriage of goods, organized.

FAQs on Hero MotoCorp Karizma

My Hero bike insurance has already expired. Is vehicle inspection mandatory?

Yes it is mandatory- Fix up an appointment for the inspection of your Hero Moto bike. Do note; this can invite a nominal fee. If the insurance company chooses to offer you the coverage, you can make the payment and get the policy in hand. However, if you are lucky enough, inspection may not be mandatory.

How does NCB work in case I buy a second-hand bike? Will I get No-Claim Bonus?

As a new owner it’s your obligation to get the existing two-wheeler insurance transferred in your name within the specified period from the date of transfer of RC. If you fail to do so and if you require raising a claim, the same will not be honored. For a favorable claim, the title on the RC of the two-wheeler and the insurance documents has to match. Also, please understand that the current owner can carry forward his existing No Claim Bonus (NCB) with him. He can use it to seek the premium discount if he purchases a new bike in future. Likewise, as a new owner, you will have to earn this bonus with each claim-free year. You can win a maximum of 50% discount on your own-damage premium with NCB.

Is an online policy valid?

Yes-an online policy is very much valid. You can also renew your Hero Moto bike insurance policy with a debit/credit biked or even through net banking. Although, for expired policies you will have to contact us for an offline renewal process.

Should I opt for a single year insurance plan or a long-term insurance plan?

You should opt for a long-term or multi-year two-wheeler insurance plan for your Hero bike to enjoy pure convenience and be completely stress-free. You can save on premiums, eliminates the hassles of yearly renewals, skip the paperwork and avoid the gap in coverage since you are insured for an extended period.

Will I get reminder for policy renewals if I buy from Coverfox.com?

Yes, you will receive reminders via SMS and email on renewals if you have bought the policy from Coverfox.com.

How is third-party insurance different from comprehensive two-wheeler insurance?

The third party bike insurance only covers your legal liability for any loss and damages to third party because of your bike. It will not cover you or your bike for any damages suffered. Whereas, a comprehensive bike insurance will cover your bike from instances of theft, fire and vandalism. It also protects from natural disasters such as cyclone, floods, earthquakes, or from civil disturbances such as riots, which damages your bike. A list of what perils are covered will be provided in the policy document. Make sure you go through the list to understand the protection being offered. Along with this, it also covers any legal liability arising due to the damages caused to any third party triggered by your bike.

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