About Hero Destini Insurance

The Hero Destini is a utilitarian scooter that's ideal for short city journeys. It's one of Hero's best-selling two-wheelers in India. If you're looking for a practical scooter, this 124.6 cc scooty is a great choice. The Hero Destini ex-showroom price starts at ₹70,400. However, before you buy, make sure you look at the scooter's pricing, features, and specifications. Similarly, you should also be familiar with two-wheeler insurance so that you can be covered for any emergency repair costs in the event of an accident or disaster. In the next part, you'll learn more about Hero Destini insurance price, variants, features, and more.

Hero Destini Variants and Ex-Showroom Price

The Destini is available in a variety of configurations, each with its own price. The ex-showroom price of a two-wheeler is the price at which it is sold at a store. Hero Destini’s price as well as the variant name, are mentioned below:

Variant

Hero Destini Ex-Showroom Price

Fuel Type

Estimated Third-party Premium Rates (Rs.) FY 2022-23

LX

₹70,516

Petrol

Rs.714

VX

₹74,475

Petrol

Rs.714

125 Platinum

₹75, 832

Petrol

Rs.714

125 100 Million Edition

₹76,095

Petrol

Rs.714

The ex-showroom prices are for Delhi and are subject to change on the basis of the city.

~Third-party premium rates are indicative. The actual premium that you might have to pay may change depending on various factors. Please check the prevailing premium prices before purchasing your bike insurance policy.

How to Apply for Hero Destini Insurance Online

Here's how to apply for a two-wheeler insurance policy via the internet:

 

Step 1: Visit our two-wheeler insurance page.

 

Step 2: Provide details about yourself and your bike

 

Step 3: Compare available plans and choose the one that suits your preference

 

Step 4: Pay your premium amount

 

Step 5: Your policy paper will now be sent to you through email.

 

 

Read More: Hero Bike Insurance

 

Steps for Hero Destini Bike Insurance Renewal

Here’s how you can renew your Hero Destini insurance online:

 

Step 1: Enter your previous policy details.

 

Step 2: Input your personal and bike-related details.

 

Step 3: Check your renewal premium.

 

Step 4: Make an instant online payment.

 

Step 5: Your bike insurance will be active soon.

 

 

Read more: Bike Insurance Renewal

 

Do You Need an Insurance Cover for Your Hero Destini?

Let’s say, you take your Hero Destini out for a spin, a stray dog starts chasing you, you lose your balance and end up crashing your scooty into a parked car. Since the accident was caused by you, you are liable to face lawsuits as well as pay for the losses incurred by the victim. Repairing your vehicle as well as the victim’s vehicle and paying legal fees would amount to ₹5,000 at the least (assuming that the damages are minor). Now, if only you had a Hero Destini insurance policy, your insurer would have helped you meet the legal/financial liabilities. Moreover, if you experience engine failure due to waterlogging, it could cost anywhere between ₹40,000 to ₹1 lakh. So, you decide… do you need bike insurance for your two-wheeler?

Types of Hero Destini Insurance Plans

  • Third-party Insurance

In India, third-party insurance is mandated by law. This policy protects you from financial obligations that may arise as a result of losses or injuries sustained in a two-wheeler accident.

  • Comprehensive Insurance

In the case of an accident, this type of policy will cover damages and injuries to third parties as well as your personal damages and injuries. As the name implies, a comprehensive plan protects you in a variety of situations namely theft, accidents, natural calamities, and more. Additionally, you can get extra cover over and above your comprehensive Hero Destini insurance plan by purchasing add-on covers such as zero depreciation and engine protection.

What’s Covered Under Bike Insurance

Third-party insurance covers loss incurred to the third party, death of the victim as well as the injuries caused to the insured. Furthermore, comprehensive bike insurance will have you covered against theft, own damage, third-party liabilities, natural/man-made calamities, etc.

What’s Not Covered Under Hero Destini Insurance

The exclusions of a comprehensive bike insurance plan include wear and tear, electrical/mechanical breakdown, depreciation, damage incurred while driving without a valid licence, etc.

Read About: Inclusions & Exclusions of Bike Insurance Cover

Add-On Covers for your Hero Destini Insurance

You may always buy add-on covers to make your two-wheeler insurance more comprehensive. However, you must note that your Hero Destini insurance cost could go up with every add-on you pick. Here are some of the accessories that might help to protect your Hero Destini:

  • Zero-depreciation coverage

Before approving your claim, the insurance company usually deducts the amount of depreciation on your vehicle. However, if you opt for the zero-depreciation cover, you can be rest assured that if you file a claim, you will be paid in full.

  • Roadside assistance

This is a fantastic add-on protection that gives assistance if you are stranded at the road. Towing, repairs, fuel delivery, and flat tyres are just a few of the services you can avail using this add-on cover.

  • Engine protection cover

This add-on covers the mechanical and technical breakdown of your engine as a result of water ingressions and oil spills.

How to File Hero Destini Insurance Claim

There are two types of Hero Destini bike insurance claims:

  • Cashless Claims

With this type of claim process, you first have to inform your insurance company about the damage caused to your Hero Destini. You can then get your scooty repaired at a partner garage associated with the insurer. The insurance company will reach out to the garage representative and settle your bill directly.

  • Reimbursement Claim

Even with reimbursement claims, you must first inform the insurer about the damage as soon as possible. Then, you can take your vehicle to the nearest garage, get it fixed, pay the bill, and file a reimbursement claim. Your claim shall be approved post verification.

Documents Required for Hero Destini Insurance Claim

Here are some of the documentation you'll need to get started with your claim:

  • Claim form.

  • Photocopy of the Hero Destini's registration certificate

  • Your two-wheeler's original keys

  • Photocopy of your driver's licence

  • The Destini insurance policy document

  • Copy of the FIR in its original form

  • Photocopy of your PAN card is required.

Read More: Bike Insurance Claim Process

Tips to Reduce the Hero Destini Insurance Cost

Here are some easy ways to reduce the premium cost for your Hero Destini insurance:

  • Choose a Long-Term Tenure

Insurance rates increase every year, so if you go for a longer tenure, you pay the same price for multiple years. Hence, it’s best to go for a 3-year period over a one-year one.

  • Go for Necessary Add-Ons Only

Every add-on cover comes with a price tag. So, the rate of your policy shall increase with every add-on included by you. Hence, it is advisable to go for only those covers that you really need.

  • Don’t File Claims for Minor Repairs

Insurance companies keep a record of claims you make throughout the policy period. If you are someone who makes frequent claims, you will be charged with a higher premium.

  • Buy Various Policies from the Same Insurance Company

Insurance companies offer loyalty points. So, for instance, if you have purchased health insurance or life insurance from Finserv MARKETS, ensure that your Destini insurance also comes from us. By doing so, you can redeem your loyalty points and avail great discounts

Tips to Maintain Your Hero Destini

Here are some important tips that will help you keep your Hero Destini running smoothly:

  • Regularly Servicing

A bike like Hero Destini can offer a better riding experience if it is at its mechanical best. Hence, it is essential to service your bike at regular intervals.

  • Maintain Tyre Pressure

Even though vehicles run on tyres, we often ignore them. However, it is an essential component of your scooty if you want max fuel efficiency. Hence, maintaining the right tyre pressure is imperative.

  • Fuel Check

Adulterated fuel is known to damage your two-wheeler’s engine. Ensure that you visit a trusted petrol station.

  • Keep a Check on the Weight

Every time you go on a trip, you might not only compromise on road safety but also overload your vehicle. This puts excessive pressure on your bike, and thereby reduces the mileage.

Hero Destini Maintenance Schedule

The approximate maintenance cost of Hero Destini is ₹2,847 for 3 years. However, the first 5 services are free of cost. So, do not forget to service your scooty regularly as it can reduce the price of your Destini insurance. The below table illustrates the service schedule for Hero Destini.

Service No.

Kilometres / Months

Free / Paid

Total Cost

First Service

500/2

Free

₹240

Second Service

3000/5

Free

₹240

Third Service

6000/8

Free

₹240

Fourth Service

9000/12

Free

₹240

Fifth Service

12000/15

Free

₹240

Sixth Service

15000/18

Paid

₹389

Seventh Service

18000/22

Paid

₹240

Eighth Service

21000/25

Paid

₹240

Ninth Service

24000/28

Paid

₹389

Tenth Service

27000/32

Paid

₹389

About Hero Destini

Hero Destini is known for offering a smooth and comfortable riding experience. It comes in 6 colours–platinum, chestnut bronze, nobel red, pearl silver white, candy blazing red, and panther black. The Hero Destini fuel economy goes from 47 to 50 km/l. Let’s further explore details like Hero Destini mileage, on-road price, fuel tank capacity, etc.

Hero Destini Specifications

Hero two-wheelers are known for their high-tech characteristics that combine together to offer outstanding performance. Before purchasing a two-wheeler, factors such as Hero Destini mileage, engine quality, and gearbox must all be carefully considered. The Hero Destini's technical specs are as follows:

 

Particulars

Technical Specifications

Engine

124 cc 

Fuel-injected  

BS VI compliant 

Transmission

Automatic Transmission

Mileage

45 kmpl

Weight

114 kgs

Fuel tank capacity

5 litres

Max power

9.1 PS @ 7000 rpm

Max torque

10.2 Nm @ 5000 rpm

Brakes

Front - Disc, 190 mm

Rear - Drum, 130 mm

Wheels

12-inch, steel & alloy

Frame type

Under bone

Hero Destini Features

Aside from the specs that help it perform, the Hero Destini has a number of wonderful features that can make your trip more pleasant and enjoyable. Here are some of the Hero Destini's greatest features:

  • Low battery and low oil indicators, as well as a fuel alert

  • Speedometer, tachometer, and tripmeter are all digital

  • Tumble flow technology, ACG starter, and increased smart power

  • It has a 13% better fuel economy than the previous modal

  • Headlights and position lighting made of LEDs

  • A front glove box, an idle stop system, and a pass switch are all included

  • Front forks that can be telescopically extended, as well as a malfunction lamp and a side stand indicator

Hero Destini On Road Price Across Major Cities

Destini’s on-road price is the price of the scooter after registration fees, taxes, RTO fees, and insurance premiums have been deducted. It is essentially the cost of driving the vehicle home. Here's an estimate of Destini's on-road price, based on the numerous charges it will incur in various Indian cities:

City

Hero Destini On Road Price

Destini’s price in Delhi

₹70,516

Destini’s price in Mumbai

₹74,801

Destini’s price in Pune

₹73,940

Hero Destini’s price in Chennai

₹69,684

Destini’s price in Bangalore

₹70,739

 Wrapping Up

Hero Destini has a comfortable seat, good low-speed stability, and adequate performance, offering a major advantage over other vehicles in its class. If you decide to purchase the Destini, make sure you insure it with a two-wheeler insurance policy. At Finserv MARKETS, we have a range of bike insurance policies that offer financial protection against losses endured due to accidents, theft, natural/man-made calamities, etc. Check out our ‘Bike Insurance’ page to explore add-on covers and a feasible Hero Destini insurance price in India. 

Check Out Bike Insurance Plans Available at Finserv MARKETS

FAQs About Hero Destini Insurance

  • ✔️What is Hero Destini mileage?

    The Hero Destini gives 45 kilometres per litre.

  • ✔️What is Destini’s price?

    The price of the Destini ranges from ₹70,516 to ₹74,475. The vehicle's actual pricing varies depending on the city and type.

  • ✔️What is the torque of Hero Destini?

    The scooter comes with a torque of 10.2 Nm @ 5000 rpm.

  • ✔️ Can I buy Hero Destini Insurance online?

    Yes, you can visit the ‘Bike Insurance’ page on Finserv MARKETS to buy insurance for Hero Destini.

  • ✔️Does the Hero Destini have the ABS feature?

    Yes, Hero Destini comes with the ABS feature.

  • ✔️Is IDV important?

    Yes, IDV is important because it gives you an estimate of the maximum amount you shall receive in case of total loss.

  • ✔️What is the Hero Destini insurance price in India?

    Check out our ‘Bike Insurance’ page to know the insurance price for Hero Destini.

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