The Hero Electric Optima Plus is one of the most popular electric two-wheelers in India. Like any other vehicle, your two-wheeler is susceptible to damages due to unforeseen events. Get the Hero Electric Optima Plus two wheeler insurance in India to reap its benefits and safeguard your finances with a suitable and reasonable policy.
With India gradually transitioning into more environment-friendly and cost-effective alternatives, electric two-wheelers are now in vogue. However, ensuring that your vehicle is insured with the right policy is important. You can choose either comprehensive insurance or third-party two-wheeler insurance. Learn about the Hero Electric Optima Plus Two-wheeler insurance policy, features and price to make a decision.
Wondering why you should protect your Hero Optima Plus two-wheeler with a comprehensive insurance plan? Here are three major reasons that make getting a policy an absolute must.
As per the Motor Vehicles Act, opting for at least a third party insurance policy is mandatory before you can drive a vehicle in India. And so, if you ride your Hero Electric Optima Plus without having an adequate insurance policy, you can be fined on the spot, and even be sentenced to prison.
The core protection extended to you by a motor insurance policy is that you remain financially secure in the case of any accidental damages to your vehicle. It even covers your liability towards a third party who suffered as a result of the accident. This makes the policy indispensable, considering the slew of accidents that occur every day involving two-wheelers.
One of the key benefits of getting a comprehensive Hero Electric Optima Plus insurance plan is that you get to avail the cashless repair facility. All that you need to do is take your damaged scooter to an authorised network garage for repair.
There are two types of two-wheeler insurance plans that you can get for your Hero Optima Plus electric scooter - comprehensive insurance and third-party insurance. Here’s a closer look at each of these two types of plans.
A comprehensive bike insurance policy is designed to offer financial protection from third-party liabilities and damages to your own vehicle as a result of an accident. Additionally, such plans also cover damages to your scooter as a result of other incidents like fire, explosions, natural and man-made calamities and theft.
A third-party insurance policy, on the other hand, is more basic and provides financial protection from any liabilities that may arise from third-parties due to an accident. It does not provide coverage to any of the damages that your vehicle might sustain as a result of an accident or a mishap. According to the Motor Vehicles Act, it is mandatory for every vehicle to possess at least a valid third-party insurance.
Every insurance policy clearly specifies the incidents for which it would provide coverage for. These incidents are known as inclusions. It is important for you to know what they are before you go ahead and get an insurance policy for your Hero Electric Optima Plus scooter. Let’s take a look at the list of inclusions for both comprehensive and third-party plans.
Any loss or damage suffered by your two-wheeler because of a natural calamity like an earthquake, flood or cyclone, among others
Damages to your vehicle resulting from riots, theft, strikes or fire
Expenses incurred for the replacement or repair of parts damaged due to an insured event
Coverage for injuries sustained by you and your pillion rider as a result of an accident
Any loss or damage to third-party vehicles or properties as a result of an accident involving your two-wheeler
Any personal or bodily injuries to third-parties as a result of an accident involving your two-wheeler
Just like inclusions, all insurance policies also clearly specify incidents where the coverage under the plan would not apply. Such incidents are known as exclusions and are equally important to be aware of them. Check out some of the most common exclusions that you can find in the insurance policy for your Hero Optima Plus scooter.
Damage to the vehicle or bodily injuries resulting from speeding or driving under the influence
Electrical or mechanical breakdown of the vehicle not resulting from an accident
Damage incurred to the two-wheeler while driving without a valid licence or a valid insurance policy
Damage to your two wheeler as a result of a war-like situation
Loss, damage or bodily injuries to third parties arising out of speeding or driving under the influence
Damage incurred to the two-wheeler while driving without a valid licence or a valid insurance policy
Hero Electric offers the Optima Plus electric scooter in two different variants, namely Optima CX – Single Battery and Optima CX – Dual Battery. Take a look at a brief overview of both these variants down below.
Offered in three different colour options, the single battery version of this electric scooter comes with a 30Ah battery mated to a 1200-Watt electric motor. This variant of the Hero Optima Plus offers a range of about 82 kilometres per full charge and can achieve a top speed of about 45 kmph. The single battery version of the Hero Electric Optima Plus is priced at ₹67,190 (ex-showroom).
This variant of the Optima Plus electric scooter comes with twin 30Ah batteries. This allows the scooter to travel a maximum distance of about 140 kilometres per full charge. Apart from this single feature, the scooter shares everything else with its more affordable variant including the electric motor and top speed. The dual battery version of the Hero Electric Optima Plus is priced at ₹85,190 (ex-showroom).
Fortunately, applying for a new insurance policy for your Optima Plus electric scooter is extremely easy and takes only a few minutes. The step-by-step guide below should be able to help you out in this regard.
Step 1: Visit the Bajaj Markets website.
Step 2: Navigate to the Bike Insurance section of the webpage.
Step 3: Click the ‘Check Plans’ button.
Step 4: Enter a few details of your Hero Electric Optima Plus scooter, your mobile number and your PIN code.
Step 5: Click the ‘Get Quote’ button.
Step 6: Browse through the list of insurance plans available for your vehicle and choose the one that you desire.
Step 7: You may be asked to enter a few extra details with regard to the two-wheeler.
Step 8: Once you’ve filled the application form, proceed to make the bike insurance premium payment to complete the policy purchase.
Step 9: A copy of your new two-wheeler insurance policy will be sent to your email ID.
Read More: Hero Electric Bike Insurance
It is important to renew your two-wheeler insurance policy for your Optima Plus electric scooter on time. This way, you can continue to enjoy the benefits listed under the policy without any interruptions. The process for two-wheeler insurance renewal is listed below.
Step 1: Visit the Bajaj Markets website and make your way to the Bike Insurance section.
Step 2: Click the ‘Check Plans’ button.
Step 3: Enter a few details such as the registration number of your scooter, your mobile number, your PIN code and proceed to click ‘Get Quote’.
Step 4: Check out the various insurance plans available and choose the one that you wish to purchase.
Step 5: Here, you may be asked to enter a few details of your current two-wheeler policy such as the policy number and its expiry date.
Step 6: Complete the application form and make the renewal premium payment.
Step 7: Your Optima Plus insurance policy will be renewed instantly and a copy of the same will be sent to your email ID.
Read More: Bike Insurance Renewal
At the time of purchase or renewal of your Hero Electric Optima Plus insurance plan, you get to choose various add-on covers to enhance your coverage. Some of the most common add-ons that you can find available for your scooter are as follows.
As the name itself signifies, this zero depreciation add-on cover ensures that you receive the entire amount of claim without any reductions due to depreciation.
The roadside assistance add-on provides you with timely assistance in the case of a vehicular breakdown in the middle of your journey. It even helps you get assistance in getting your vehicle refuelled, spare key retrieval, and more.
In the case of theft of your Hero Electric Optima Plus, this add-on will ensure that you get the entire value of the vehicle back.
The engine protection add-on for your two-wheeler insurance plan ensures that engine malfunctions or damages due to water ingress or leakage of fluids are covered.
This personal accident cover provides coverage for accidental death, injuries or any disabilities that you might suffer due to an accident involving your two-wheeler.
If your precious electric scooter suffers damages due to an accident or any other insured event, you can raise an insurance claim. There are two different kinds of claims that you can raise - a cashless claim or a reimbursement claim.
Before you proceed to raise a claim for the damages sustained by your Hero Optima Plus scooter, make sure to first notify your insurer about the accident or mishap. This is the first step of the claim process. Failing to notify your insurer about the incident that caused damage to your vehicle can lead to your claim being rejected. Once you’ve notified your insurer, you can then proceed to register a formal claim.
Almost all insurance providers have now started to allow online claim registrations. Here’s an overview of the steps that you would have to follow to register an insurance claim online. That said, the process outlined below may vary depending on the insurance provider you’re associated with.
Step 1: Head to the website of your insurance provider.
Step 2: Navigate to the Claims section of the webpage.
Step 3: Click on ‘Register claim’.
Step 4: Proceed to fill the claim form by entering all the relevant details.
Step 5: Upload all the necessary documentary evidence and register the claim.
Once the claim is registered, a surveyor will make a visit to inspect the damaged vehicle. Upon successful completion of the inspection, take your vehicle to the nearest network garage to start the repairs.
Read More: Bike Insurance Claim Process
When you file an insurance claim for your Optima Plus electric scooter, you will be asked to submit a list of documents. Knowing what they are can help you speed up the process considerably and prevent unnecessary rejections. Check out the list of documents required for an insurance claim below.
Vehicle’s registration certificate (RC)
A copy of the FIR, in the case of theft
Repair bills and estimates, in the case of a reimbursement claim
In addition to the ones specified above, your insurer may also require you to submit a few other documents as well.
There are many tips that you can follow to reduce the insurance premiums for your Hero Electric Optima Plus scooter. Check out a few of the most common ones below.
Compare multiple Hero Electric Optima Plus insurance plans and choose the one with the lower premium.
Choose only the add-on covers you desperately need.
Avoid raising claims for small damages to preserve your No Claim Bonus (NCB).
Install anti-theft accessories on your two-wheeler.
Ensure that you select the right Insured Declared Value (IDV) for your vehicle.
It is important to first get a comprehensive Hero Electric Optima Plus insurance plan before you start riding your two-wheeler. With Bajaj Markets, you can complete the process of purchasing or renewing your bike insurance policy quickly and easily. So what are you waiting for? Enjoy the hassle-free experience of driving this sleek electric scooter by getting insured today.
Yes, as per the Motor Vehicles Act, getting at least third party insurance is compulsory for any vehicle owner in India.
Yes, comprehensive two-wheeler insurance offers coverage for any vehicle damages incurred due to natural calamities like floods, cyclones, and earthquakes.
Besides insurance being mandatory to legally drive any vehicle in India, it also keeps your finances safe from the costs of repairs, replacements and damage to third parties, resulting from accidents.
Hero Electric Optima Plus retails for ₹36,037 (ex-showroom price). The cost of the vehicle may change from time to time so make sure to check the latest prices before purchasing the electric scooter.
Most people add a No Claim Bonus (NCB) cover, personal accident cover, roadside assistance cover, and a zero depreciation cover. However, depending on your insurance provider, you may have more options to choose from.