Overview of Hero Xtreme 160R 4V
The Hero Xtreme 160R 4V is an updated version of Hero’s Xtreme 160R series, featuring a 4-valve engine for enhanced power and efficiency. Some key highlights of this motorcycle include:
- Engine: 163cc, single-cylinder, air-cooled, 4-valve engine
- Power Output: Approximately 16.9 hp @ 8500 rpm
- Torque: 14.6 Nm @ 6500 rpm
- Transmission: 5-speed gearbox
- Frame: Lightweight diamond-type chassis
- Brakes: Single-disc or dual-disc setup with single-channel ABS
- Suspension: Telescopic front forks and monoshock rear suspension
- Fuel Efficiency: Approx 45-50 km/l (varies based on riding conditions)
With an aggressive styling, muscular fuel tank, and LED lighting setup, the Xtreme 160R 4V appeals to young riders and enthusiasts looking for a stylish yet reliable city commuter.
Understanding Two-Wheeler Insurance
Before diving into double insurance, let’s first understand the basics of two-wheeler insurance in India. The Motor Vehicles Act, 1988 makes it mandatory for all two-wheelers to have at least a third-party insurance policy to legally ply on the roads. Here are the types of two-wheeler insurance policies available:
1. Third-Party Insurance
This is the minimum legal requirement for every two-wheeler. It provides coverage against damages or injuries caused to a third party (person or property) due to an accident involving your bike. However, it does not cover own damages or theft.
2. Comprehensive Insurance
A comprehensive policy includes both third-party liability and own damage (OD) cover. This type of policy covers:
- Accidental damages to the insured bike
- Theft or loss of the vehicle
- Damages due to natural disasters (floods, earthquakes, etc.)
- Damages due to man-made disasters (riots, vandalism, etc.)
- Personal accident cover for the rider
3. Own Damage (OD) Cover
If you already have a third-party policy, you can opt for Own Damage (OD) insurance separately to cover damages to your bike due to accidents, theft, or disasters.