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Non-RTO Electric Scooter/Bikes General Policy

Omni Capital General Policy

Non-RTO Electric scooters/Bikes are becoming increasingly popular. People are choosing e-scooters for their fuel economy, smooth performance and lower environmental impact. Similar to any other two-wheeler, your electric scooter also needs General Policy for legal and financial protection. The main reason behind this is the higher repair/replacement costs of Non-RTO electric vehicles.

Our electric moped General Policy is designed to protect you and your vehicle against many unforeseen expenses. From own-damages and theft, OMNI CAPITAL General Non-RTO Electric Scooter Policy covers your risks. We provide you with a safe and worry-free riding experience.

• Pocket-friendly premiums
• Instant Policy Purchase
• Zero Paperwork
• Inspection Renewal

What Is Non-RTO Electric Scooter General Policy?

Non-RTO Electric scooter General Policy safeguards you against financial losses from damages caused/sustained by the insured electric scooter. It covers theft, own-damages, fires and man-made and natural disasters. This type of General Policy plan is designed with the exclusive coverage needs of electric two-wheelers in mind.

Electric Scooty General Policy Plans By OMNI CAPITAL

Omni Capital Comprehensive EV Scooter/Bikes General Policy — Complete financial protection including own-damages and personal accidents (injuries, disabilities and death of the rider).

• Coverage for own damage to insured scooter.
• Personal accident cover.
• No need to worry about annual renewals.

Omni Capital Own Damage EV Scooter General Policy — Covers damages caused by natural disasters, theft, fire, and other incidents.

• Dedicated coverage for own damage.
• Higher scope of customization.

Key OMNI CAPITAL Electric Scooter General Policy Features

• Affordable Premiums: Plans start from just ₹90/month.
• Network Garages: More than 11,000+ dealer network facilities across India.
• 24/7 Customer Support: Reliable and highly responsive support.
• Personal Accident Cover: Up to ₹2 lakh coverage for personal accidents/death of owner-riders.
• Omni Capital General Policy App: Buy, renew or claim anytime using the mobile application.

Coverage Inclusions

• Death, accidental injuries for own damage.
• Damages due to natural calamities (typhoons, cyclones, floods, earthquakes, etc.).
• Damages due to vandalism, riots, strikes, etc.
• Theft
• Road accidents/collisions
• Additional coverage through available add-ons

Coverage Exclusions

• Normal wear and tear due to overuse.
• Electrical failure.
• Damages due to negligence.
• Damages due to driving in an intoxicated state.
• Damages due to war, nuclear risks.
• Damages for driving outside the covered geographical region.

Types of Electric Scooter General Policy

Electric Scooter General Policy — Mandatory benefit for every owner; not having this policy can lead to heavy damage losses.

Own-damage Electric Scooter General Policy — Financial protection for damages to the electric vehicle; does not cover third-party liabilities; customisable with add-ons.

Comprehensive Electric Scooter General Policy — Complete financial protection against own damage with personal accident cover for the owner-rider.

Benefits of Buying/Renewing E-Scooter General Policy by Registered Vendor

• Instant General Scooter Policy after verification and vehicle inspection by vendor.
• Paperless purchase with minimal KYC paperwork.
• Time-saving online purchase by registered vendor.
• Easy digital policy management and timely updates through your vendor.

Things to Keep in Mind While Buying an Electric Scooter General Policy

• Choose the right type of policy based on market price, usage, risk factors, budget and location.
• Ensure the claims settlement process is simple and reliable.
• Confirm network garages are easily accessible.
• Estimate premiums using the two-wheeler General Policy premium calculator.
• Ensure the plan is customisable through add-ons.

Third-party General Policy Price for Electric Scooters

IRDAI decides third-party General Policy price based on kilowatt capacity. Example: 3 kW but below 7 kW — 3-year policy premium ₹3250.

Factors Affecting Electric Scooter General Policy Premiums

• Make and Model
• Year of Manufacturing
• Installation of Safety Devices
• Add-on Cover

How to Claim Electric Scooty General Policy at Omni Capital General

1. Register your General Policy claim within 24 hours by calling +91-7310003663 or using the Omni Capital App.
2. Submit required documents and a completed claims form at our branch/vendor location.
3. Our surveyor will inspect your vehicle before approval.
4. Proceed with cashless or reimbursement settlement after approval.

Cashless settlement is available at network garages. You pay deductibles; we settle expenses directly at network garages.

Documents Required for Filing Electric Scooter General Policy Claim

• Duly filled and attested claim form.
• Copy of policy certificate.
• Copy of e-scooter General Policy documents.
• Copy of FIR (in case of liabilities/theft).
• Other claim-specific documents.

Frequently Asked Questions

Is General Policy mandatory for an electric scooter? Not mandatory for two-wheelers with top speed of 25 km/h and power output of 250 watts, but highly recommended for financial protection.

Can I get General Policy for an electric scooter without registration? Yes. Registration number is not required for buying General Policy.

Will my policy cover natural disaster-related damages? Yes. Plans cover floods, earthquakes, typhoons, cyclones, thunderstorms, and hailstorms.

What happens after policy expiry? You are no longer covered and may lose accumulated discounts. Renew as soon as possible to regain coverage.

Claim settlement ratio: 1st year 70%*, 2nd year 50%*, 3rd year 30%* of purchase value without GST.

Disclaimer: *T&C Apply. For more details on risk factors, terms & conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.