Hero Splendor bike insurance protects you from financial loss due to accidents, theft, natural disasters, and third party liabilities. At a minimum, third party insurance is mandatory by law. For broader protection, riders can choose comprehensive insurance, which covers both third party damage and repairs to their own bike.
The insurance premium depends on the bike’s age, variant, city of registration, Insured Declared Value, and the type of cover chosen. Add-ons like zero depreciation, engine protection, and roadside assistance can increase coverage at a small extra cost. Hero Splendor insurance can be bought or renewed online within minutes. Claims can be settled through cashless repairs at network garages or via reimbursement.
A Hero Splendor rarely asks for attention. It starts on cue, runs on trust, and becomes part of daily rhythm before you notice it. One day it is carrying groceries, the next it is late-night tea runs, office commutes, and quiet rides that clear the head. With so much depending on this one machine, a fair question comes up. What happens when a small mistake turns into a costly pause?
Roads have their own moods. Traffic can turn careless. Parking spots can turn tight. Repairs can turn expensive fast. Should a reliable bike be left to chance just because it is familiar? That is where Hero Splendor bike insurance earns its place, not loudly, but with purpose.
Buying protection no longer means long queues or endless forms. Many riders now choose Two wheeler insurance online, where coverage, price, and add-ons sit clearly side by side. Isn’t it easier when control stays in your hands? When decisions happen at your pace?
Insurance is not about fear. It is about readiness. It keeps your routine intact when the unexpected knocks. Curious how the right cover can fit your riding style and budget? Read on to uncover what truly matters in the article below.
Hero Splendor Bike Insurance Price / Premium
The Hero Splendor is known for one thing above all else. It just keeps going. And because it is so widely used across cities, towns, and highways, bike insurance for Splendor is designed to stay affordable and flexible.
Your Hero Splendor bike insurance price depends on three main things. The type of cover you choose, the age of your bike, and where it is registered. Engine capacity also plays a role, but since all Splendor models fall in the same segment, premiums usually stay budget friendly.
Let’s break it down simply.
Third Party (TP) Insurance Third party insurance is mandatory by law. It covers damage or injury caused to another person, vehicle, or property. It does not cover damage to your own Splendor. TP premiums are fixed by the government. So no matter which insurer you choose, the base price remains the same. This makes it the lowest-cost option, but also the most basic one.
Own Damage (OD) Insurance Own damage cover protects your Hero Splendor against damage from accidents, fire, theft, floods, or other unexpected events. You can buy OD cover separately if your bike already has an active third party policy. The OD premium depends on your bike’s Insured Declared Value, its age, and any add-ons you select.
Comprehensive Insurance Comprehensive bike insurance combines both third party and own damage cover. It gives complete protection and peace of mind, especially if your bike is used daily. This option costs more than TP insurance, but it covers repair bills, theft, and third party liabilities under one policy. Most Splendor owners prefer this plan for long-term savings and convenience.
At SMC Insurance, you can compare Hero Splendor bike insurance prices across multiple insurers in one place. No guesswork. No back and forth. Just clear options and support when you need it.
How to Calculate Hero Splendor Bike Insurance Online?
Calculating bike insurance online is simpler than most people expect. You don’t need technical details or long forms. Just a few basics, and you get a clear idea of the premium.
Start with your Hero Splendor’s registration number. This helps pull up details like the model, variant, and year of manufacture. Then choose the type of insurance you want. Third party, own damage, or comprehensive.
Next comes the Insured Declared Value. This is the current market value of your bike. A higher IDV means a higher premium, but also better claim payout if the bike is stolen or damaged beyond repair.
Add-ons are the next step. Options like zero depreciation or engine protection increase the premium slightly, but they also increase coverage.
And finally, discounts. A No Claim Bonus can reduce your premium if you haven’t made any claims in previous years.
On the SMC Insurance platform, you can see premium quotes from multiple insurers side by side. Same details. Different prices. So you can choose what fits your budget without rushing.
Calculate two-wheeler Insurance with our Instant Bike insurance Calculator
Hero Splendor Variants Covered Under Insurance
Every Hero Splendor variant, old or new, can be insured. Insurers consider the model name and engine capacity while calculating the premium, so choosing the correct variant matters.
Here’s a list of popular Hero Splendor variants covered under bike insurance. This includes current models and commonly insured older versions.
Hero Splendor Plus
Hero Splendor Plus i3S
Hero Splendor Plus Black and Accent
Hero Splendor Plus Canvas Black
Hero Splendor Plus XTEC
Hero Splendor Plus XTEC Disc
Hero Splendor Plus Self Start
Hero Splendor Plus Kick Start
Hero Splendor iSmart 110
Hero Splendor iSmart Plus
Hero Splendor Pro
Even if your specific edition is no longer in production, insurance coverage is still available. What matters is that the registration details match the variant selected while buying or renewing the policy.
Popular Bikes Similar to Hero Splendor
The Hero Splendor has earned its place as a daily companion for millions of riders. Reliable, fuel efficient, and easy to maintain. But it isn’t the only bike in this space.
If you’re exploring similar options or just comparing, a few bikes often come up alongside the Splendor.
The Hero HF Deluxe is one of the closest alternatives. It offers similar mileage and comfort at a slightly lower price point. Then there’s the Bajaj Platina, known for its long seat and smooth ride, especially on uneven roads.
TVS Sport is another popular name. It’s lightweight and designed for everyday city use. Honda CD 110 Dream also competes in this segment, backed by Honda’s refined engine performance and solid build quality.
All these bikes fall in the same commuter category as the Splendor. And like the Splendor, insurance for them remains affordable and easy to manage. At SMC Insurance, you can compare insurance plans not just for Hero Splendor, but for all these models too, across multiple insurers.
Is Bike Insurance Mandatory for Hero Splendor?
Yes, it is. And there’s no way around it. As per Indian motor laws, every Hero Splendor on the road must have at least third party bike insurance. This cover protects you if your bike causes injury, death, or property damage to someone else.
Riding without insurance can lead to fines, legal trouble, and unnecessary stress. And if there’s an accident, the costs can spiral fast.
But here’s the thing. While third party insurance is mandatory, it only does the bare minimum. It doesn’t cover damage to your own bike. That’s why many Splendor owners choose broader coverage for better protection.
At SMC Insurance, we make sure you stay compliant and covered, without confusion or hidden terms.
Types of Hero Splendor Bike Insurance Plans
Not all bike insurance plans are the same. And choosing the right one depends on how you use your Splendor.
➔ Third Party Bike Insurance
This is the basic and legally required plan. It covers damages or injuries caused to another person or their property. It does not cover repairs or theft of your Hero Splendor. It’s the most affordable option, but also the most limited.
➔ Own Damage Bike Insurance
Own damage insurance covers your bike against accidents, fire, theft, floods, and other unexpected events. You can buy this plan only if you already have an active third party policy.
This option works well for riders who already meet legal requirements but want protection for their own bike.
➔ Comprehensive Bike Insurance
This is the most complete plan. It combines third party and own damage coverage in one policy. It also lets you add extra protection like zero depreciation or roadside assistance.
If your Hero Splendor is used daily, parked in open areas, or ridden long distances, this plan makes sense.
SMC Insurance lets you compare Honda Shine insurance prices from different insurers in one place. This makes it easier to choose a plan that suits your budget without skipping important cover.
What is Covered and Not Covered Under Hero Splendor Bike Insurance?
What's Covered?
Bike insurance works best when you know what it actually protects. And with a Hero Splendor, the coverage is designed to handle everyday risks without making things complicated. Here’s what a standard comprehensive Hero Splendor bike insurance policy usually covers:
If your Splendor is damaged in an accident, the repair costs are covered. This includes collisions, skids, and minor mishaps on the road.
If your bike is stolen, the insurer compensates you based on the Insured Declared Value. For a bike that’s often parked outside, this cover matters.
Damage caused due to fire, explosion, or self-ignition is covered under the policy.
Floods, earthquakes, cyclones, and storms can damage a bike overnight. Insurance steps in when nature doesn’t play fair.
Riots, strikes, vandalism, or malicious acts that damage your Splendor are also covered.
If your bike causes injury, death, or property damage to someone else, the policy covers the legal and financial responsibility.
At SMC Insurance, we help you compare coverage details across insurers, so you know exactly what you’re paying for and what you’re protected against.
What's Not Covered?
Insurance protects you from surprises. But it doesn’t cover everything. Knowing the exclusions upfront saves time and frustration later. Here’s what is usually not covered under Hero Splendor bike insurance:
Tyres, brake pads, chains, and routine aging of parts are not covered.
If the rider does not hold a valid driving licence at the time of the accident, the claim can be rejected.
Any damage caused while riding under the influence of alcohol or drugs is excluded.
Breakdown due to internal faults or manufacturing defects is not covered.
Racing, stunts, or any unlawful use voids the coverage.
Claims that go beyond the scope of your chosen policy or add-ons won’t be approved.
Understanding these limits helps you use your insurance the right way.
Add-Ons Recommended for Hero Splendor
Add-ons help you customize your insurance based on how you ride and where you park your bike. They come at a small extra cost but can save you a lot later.
Zero Depreciation Cover
With this add-on, the insurer does not deduct depreciation on replaced parts during a claim. It’s useful if your Splendor is new or well-maintained.
Engine Protection Cover
This add-on covers damage to the engine due to water ingress or oil leakage. If you ride in flood-prone areas, this one is worth considering.
Roadside Assistance
Breakdowns don’t follow a schedule. Roadside assistance helps with towing, minor repairs, battery jump-start, and fuel delivery when you’re stuck.
Personal Accident Cover for Owner-Driver
This provides financial support in case of accidental death or permanent disability of the bike owner.
How to Buy Hero Splendor Bike Insurance Online?
Buying bike insurance online saves time and effort. And when you buy through SMC Insurance, it stays simple from start to finish.
On the homepage, click the Bike Insurance category.
You can then enter your registered vehicle number and click on “View Quotes". You also have the option to check quotes by giving the bike number.
The upcoming prompts will ask you for your Hero Splendor details like brand, model, fuel type, variant and respective RTO.
Once given, you can check the policy start and end date, confirm NCB details and view quotes from various insurers.
On submission, SMC will display a list of available plans or quotes from partner insurers. You can view plan details like coverage, benefits, inclusions/exclusions, add-ons (if available), insured declared value (for vehicles), etc.
Compare the available options and consider things like third-party vs comprehensive, add-ons (e.g. zero-depreciation, roadside assistance) as per your needs.
Once you select the plan you want, click the button labeled “Buy Now”
Fill out your personal details as required (owner name, address, contact, driving licence/RTO info or health info depending on policy). Ensure all details are accurate.
Make the payment via the online gateway supported by the website. After payment confirmation you will receive your policy document or certificate electronically (through email or website account).
Once everything is processed, your insurance policy becomes active. Keep a digital or printed copy of your policy/certificate for future reference.
Throughout the buying process, you have the option to contact the SMC Team for any kind of support you need.
How to Renew Hero Splendor Bike Insurance Online?
Renewing your bike insurance on time keeps your coverage active and your No Claim Bonus safe. Miss the renewal date, and you risk higher premiums or inspection delays. The renewal process is quick.
On the homepage, click the Bike Insurance category.
Start by entering your existing policy details or bike registration number.
Review your current coverage. This is a good time to upgrade from third party to comprehensive if you want better protection.
Check your No Claim Bonus. If you’ve had a claim-free year, you’ll see the discount reflected in the premium.
Choose add-ons if needed. Then complete the payment online.
With SMC Insurance, renewal reminders, plan comparisons, and support are all in one place. So your Hero Splendor stays protected, year after year. Because a bike that never lets you down deserves insurance that doesn’t either.
Claim Process for Hero Splendor Bike Insurance
Filing a bike insurance claim doesn’t have to feel stressful. If you know the steps, the process stays straightforward.
In Case of Accident or Theft
If your Hero Splendor meets with an accident, start by ensuring everyone is safe. Once that’s done, inform the insurance company as soon as possible. Most insurers allow claim intimation online or through a call.
For accidents, the bike should be inspected before repairs begin. In case of theft, an FIR must be filed at the nearest police station. This is a mandatory step and helps move the claim forward.
After inspection or verification, the insurer processes the claim based on your policy terms. With the right documents and timely updates, the settlement usually moves without delay.
And if you’ve bought your policy through SMC Insurance, our team stays with you during the claim process. From intimation to settlement.
Documents Required
Having the right documents ready makes the claim process smoother. Here’s what is usually needed.
Duly filled claim form
Copy of the bike insurance policy
Registration Certificate of the Hero Splendor
Valid driving licence of the rider
FIR copy in case of theft or major accident
Repair bills and payment receipts for reimbursement claims
Depending on the claim type, the insurer may ask for additional documents. We help you track that so nothing gets missed.
Why Buy Hero Splendor Bike Insurance from SMC Insurance?
Buying insurance is easy. Getting support when it matters is what makes the difference.
At SMC Insurance, we bring multiple leading insurers onto one platform. This means:
More choices
Better pricing
Clear comparisons
You see the benefits, exclusions, and premiums side by side. But more than that, you get real assistance. Whether it’s choosing the right plan, renewing on time, or filing a claim, our team steps in when needed.
No pressure. No confusing terms. Just insurance that works the way it should.
Hero Splendor Bike Insurance Claim: Cashless vs Reimbursement
When it comes to claims, you usually have two options. Cashless claim works when you get your Hero Splendor repaired at a network garage. The insurer settles the repair cost directly with the garage. You only pay the deductible and any non-covered expenses.
Reimbursement claim applies when repairs are done at a non-network garage. You pay the bill upfront and later submit the documents to the insurer for repayment.
Cashless claims are faster and simpler. But reimbursement works well when you prefer your local garage.
At SMC Insurance, we help you choose the route that suits your situation.
Bike Insurance Terms You Should Know
Insurance feels easier when the terms make sense. Here are a few you’ll come across often.
IDV (Insured Declared Value) The current market value of your Hero Splendor. It decides both premium and claim amount.
No Claim Bonus (NCB) A discount you earn for every claim-free year.
Deductible The part of the claim amount you pay from your own pocket.
Policy Tenure The duration for which your insurance cover is active.
Add-ons Extra covers like zero depreciation or engine protection that enhance your policy.
Wrapping Up
The Hero Splendor is built for everyday life. Short rides, long years, and everything in between. Bike insurance adds that extra layer of comfort. It keeps you legally safe, protects your savings, and helps you handle surprises without panic.
With the right insurance plan, you don’t just ride. You ride easy. And with SMC Insurance, you get choice, clarity, and support from leading insurers, all in one place. Simple as that.
Disclaimer: The information provided on this platform is intended for general awareness and educational purposes. While every effort is made to ensure accuracy, some details may change with policy updates, regulatory revisions, or insurer-specific modifications. Readers should verify current terms and conditions directly with relevant insurers or through professional consultation before making any decision.
All views and analyses presented are based on publicly available data, internal research, and other sources considered reliable at the time of writing. These do not constitute professional advice, recommendations, or guarantees of any product’s performance. Readers are encouraged to assess the information independently and seek qualified guidance suited to their individual requirements. Customers are advised to review official sales brochures, policy documents, and disclosures before proceeding with any purchase or commitment.
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