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Average Rating:

4.6(Based on 128 ratings)

  • K Patel

    5 star

    Reliance Bike Insurance is good

  • B Saahu

    4 star

    A good well rounded policy.
  • See all reviews

Two Wheeler Insurance Policy

Benefits

​​​​Ride away with a quick and easy-to-get Two Wheeler Insurance policy. With Reliance Bike Insurance policy your pride and joy is covered and that too with excellent service. Ensure you have a safe ride every single time. 

​You can buy your two wheeler insurance policy online at best price through our various payment options like UPI, PayTM, Net Banking, Debit/Credit card etc avail​​​able for your convenience​

Just fill your Bike registration number to get the best two wheeler insurance quote!


Get upto 40% discount* on two wheeler (bike & scooter) insurance premium amount!

Enjoy the following benefits which our motorcycle insurance offers:

 No paperwork, instant motorcycle insurance policy   Use cashless facility across our preferred 430+ network garages
   ​    
  Get quick and hassle-free settlement of your scooter or bike​ insur​ance claims   Two Wheeler Insurance starting at Rs.3/day*
       
 Renew your expired two wheeler insurance instantly without any inspection or paperwork   
Click here for more 
Information on how torenew existing bike insurance policy
       
  Instantly renew your Reliance Two Wheeler Insurance through Pa​ytm    ​
​

    Take a free motorcycle insurance quick quote using our two wheeler insurance calculator to compare​ two wheeler​ insurance price with​​ other insurers​​​​​

    Wondering how to renew an expired bike insurance policy? Click here​ for more information​

    *Terms and conditions apply. Not applicable on TVS models. The discount is applicable only on OD two wheeler insurance premium quote.

We've tried our best to offer you a two wheeler insurance policy at best price with comprehensive coverage insuring not only your vehicle but even the owner and any third party involved in a liability concerning the vehicle.

The two wheeler insurance policy covers damage or loss to the bike/scooter due to:

  • Accident
  • Fire
  • Lightening
  • Self-Ignition
  • Explosion
  • Theft
  • Riot & Strikes and / or Malicious Acts
  • Terrorism
  • Earthquake
  • Flood
  • Cyclone
  • Inundation
  • Transit by Rail, Road, Air & Elevator

 
Apart from this, we recommend that you opt for a Third-Party Liability Insurance Cover for your bike, motorcycle or scooter because it is now compulsory to be taken as per the Motor Vehicles Act. It covers third-party property damage and provides liability for the third-party in case of injury or death. In other words, this two wheeler insurance cover offers you protection if the other party is uninsured or underinsured.

We've tried to cover you for most of the situations. However, there are still some exclusions in our motorcycle insurance policy.

They are:

  • Normal wear-and-tear of the vehicle
  • Mechanical and electrical breakdown
  • Vehicle being used other than in accordance with the limitations as to use. For example, if you use your two-wheeler for remuneration purposes.
  • Damage to / by person driving without a valid driving license
  • Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the vehicle's value
  • Consequential loss - if the original damage causes subsequent damage / loss, only t​he original damage will be covered.
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the bike or scooter insurance claim.

Yes, we at Reliance General Insurance offer you best discounts on the two wheeler insurance so that you get the two wheeler insurance at best price.

If you continue to be a safe and good driver, you're definitely eligible for discounts.

How? Well, if you drive safely, you'll make no claim through out the year. As a result, you earn yourself a No-Claim Bonus! This bonus can also be transferred over to your new vehicle depending on your preference.

The discount can be accumulated on a yearly basis as mentioned below.

Voluntary Deductible - a minimum amount that you choose to pay of the claim amount, while we pay the rest. The higher your Voluntary Deductible amount, the lower is your bike/scooter insurance​ premium quote. Thus, eventually discounting the premium.

Please refer to the below table for applicable​ Voluntary Deductible: -

​

Benefits

Why do I need to insure my two wheeler?

​Firstly, the Motor Vehicles Act 1988 makes to mandatory for all vehicle owners to have a valid insurance policy.

That apart, you should get your vehicle insured because it saves you from any financial loss caused due to accidents, damage or theft of your vehicle. Additionally, insurance covers the safety of the co-passengers, someone else's property and pedestrians too.

What are the types of two-wheeler insurance in India?

​Well, there are two types of two-wheeler insurance: 'Third-Party Insurance' and 'Comprehensive Insurance'.

Third-party insurance protects you against losses, which occur due to bodily injury or death to a third party or any damage to that person’s property. It is mandatory, by law, to have third-party insurance.

Comprehensive insurance, on the other hand, protects you against losses caused to you, your co-passengers and your vehicle in addition to third-party coverage.

What are the different types of vehicles that can be insured online?

You can insure only private vehicles, i.e. you can get a four wheeler or two wheeler insurance online.​


​What are the documents required to buy a bike insurance online?

Zero documentation is required to buy a two wheeler insurance policy online. This makes things really simple.
However, you will have to provide details like:
  • Registration number
  • Engine number
  • Chassis number
  • Previous policy number (if you have any)
  • Vehicle manufacturing date (mm/yy)
  • Date and city of purchase
  • You contact details (address, phone no and email id)
  • You should also have a copy of your vehicle’s RC book.


What are the benefits of buying two wheeler insurance online?

The biggest benefit an online platform offers you is the ability to make any purchase decision in a simple and convenient manner. Since most insurance companies now offer this service, it is very easy to compare costs and features of all the policies. You can even calculate your motorcycle policy premium online and get a clear picture of the kind of expenses involved in buying your insurance plan. Payments also become easier via Net Banking and Credit Card.

Apart from all this, online insurance portals offer facilities like renewal reminders and tracking, which make your life a lot easier.

Can I renew my two wheeler insurance policy online?

Yes, you can!
All you have to do is enter Policy No./ Cover No. and Engine Number and you can renew the policy online

My policy has expired. How can I renew it in case of break-in of my policy?

If your motorcycle policy has expired, you can renew the policy by making payment online. Your Inspection ID will be generated and post satisfactory inspection and recommendation by surveyor your policy will be issued. Note this is only for Private Car & Two Wheeler and not for Third Party Liability Insurance

Once the inspection request is raised online, how long does it take to get the policy?

​Once a request is raised in, the inspection takes place within 48 hours. A successful inspection is followed by an online recommendation made to you, by the surveyor. Within the 48 hours following that recommendation, you will have to log-in to the website and convert your two wheeler insurance policy.

Failing to convert your policy within that time frame means that you have to go through the entire process again.


What is a No-Claim Bonus (NCB)?

​If you’ve not claimed anything on your policy in the previous term, you get a discount on your scooter/bike insurance ​premium in following next terms. This discount is called a No-Claim Bonus.
This discount can be accumulated on a yearly basis starting from 20% at the first claim-free renewal, 25% at the second, 35% at the third, 45% at the fourth and 50% at the fifth claim free year, which is then continued for following claim-free years.

Is my NCB transferable?

​Yes, it is!
If you have accumulated NCB, at the time of renewing your existing two wheeler insurance policy, you can transfer the NCB. This needs to be done within 90 days of your renewal due date. If you wish to change your insurance provider at the time of renewing your policy, you can enjoy your NCB discount by getting it transferred.

What is the rate at which NCB is transferred?

​The NCB will be transferred to Reliance General Insurance at the same rate you are entitled to get from your previous insurance provider while renewing your policy. However, remember to provide the No-Claim Bonus certificate from your previous insurance company to ensure the transfer.

In case I change my job and location, what happens to my two wheeler insurance policy?

​The policy remains more or less unaffected even if you move. You will, of course, need to change your contact details i.e. your new address and phone number. This can be done online or at any Reliance General Insurance branch closest to you!

Your premium might change depending on the city you’re moving to. This is simply because motor insurance rates are fixed based on the registration zone of the vehicle. All metro cities (Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune) are part of Zone A, which has a higher rate of premium than the rest of the country (Zone B). So if you’re moving from a Zone B city to a Zone A city, your bike insurance premium will increase and vice versa.

How do I get a copy of my two wheeler insurance online? Will the printout of the softcopy serve as the original document?

​Just log on to www.reliancegeneral.co.in and click on your profile. A soft copy of your policy document will be available for download. A print out of this document definitely serves as the original policy document.

What is an endorsement? What is premium and non-premium bearing endorsement?

​An endorsement is a written proof of an agreed change in the policy, as and when the need arises. There can be two types of endorsements: premium bearing and non-premium bearing.

In a premium-bearing endorsement, you will be charged an additional premium for things like transfer of ownership, addition of LPG / CNG kit, change of RTO location etc.

In a non-premium bearing endorsement, you won't be charged anything for the changes incorporated in the policy. For example, correction in contact details, correction in name, correction in engine / chassis number, addition of hypothecation, etc.

What are the changes I can make in my two wheeler insurance policy? How do I send that for endorsement?

​You can make changes to your two wheeler insurance only in the following cases:

  • Either the name, registration number, engine number, chassis number or model number has to be corrected.
  • There is a change or correction of your address
  • There is a change in vehicle, RTO or registration
  • There is an addition of electrical / non-electrical accessories and / or addition or change of hypothecation.
  • There is an NCB recovery or change.

For an endorsement, you simply need to raise a service request online, by logging onto our website: www.reliancegeneral.co.in.

What risks are covered under Reliance Bike Insurance policy?

​The policy covers damage or loss to the two-wheeler due to:

  • Accident
  • Fire
  • Lightening
  • Self-Ignition
  • Explosion
  • Theft
  • Riot & Strikes and / or Malicious Acts
  • Terrorism
  • Earthquake
  • Flood
  • Cyclone
  • Inundation
  • Transit by Rail, Road, Air and Elevator


Your policy can also cover a third-party entity, if the option is availed. We recommend that you opt for a Third-Party Liability Cover because it is now compulsory to be taken as per the Motor Vehicles Act. It covers third-party property damage and provides liability for the third-party in case of injury or death. Simply put, this cover offers you protection if the other party is uninsured or underinsured.

If you get a Personal Accident Cover, you will be covered against accidental death and permanent, total disablement. This policy is active anywhere in the world, whether you are driving or otherwise.
Apart from this, you can opt for any one of these add-on covers to get more comprehensive coverage:

  • Total Cover
  • Nil Depreciation

 

What risks are not covered under Reliance Two Wheeler Insurance Policy?

​The risks that we don’t cover in this policy are as follows:

  • Normal wear-and-tear of the vehicle
  • Mechanical and electrical breakdown
  • Vehicle being used other than in accordance with the limitations as to use. For example, if you use your two-wheeler for remuneration purposes.
  • Damage to / by person driving without a valid driving license
  • Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the vehicle’s value
  • Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered.
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.

What is Third-Party Liability Cover? Is it part of my bike insurance policy?

​Third-Party Cover is mandatory in India. It covers you against legal liability for injury or death or property damage caused to any third party, who is not in the insurance contract in an accident.

However, this policy does not cover damages or loss caused to your own vehicle in an accident or theft. In order to have a complete coverage, you should have a Comprehensive Two Wheeler Insurance Cover.

What is Personal Accident Insurance cover?

This is an optional cover, which protects you against accidental death and permanent total disablement. The Personal Accident cover is valid for 24x7 anywhere in the world, whether you are driving or otherwise.

 

Apart from this, if you want to cover the third person, then you need to buy a Personal Accident cover separately by paying an extra premium

In what scenarios can I make a Personal Accident claim?

​You can claim the PA cover only if the Motor Insurance Policy:

  • is in your name and you are the registered owner of the vehicle.
  • has an owner-driver, paid-driver or unnamed passenger cover.

What is the Total Cover?

​This is an add-on cover, which can prove beneficial if your two wheeler is completely damaged in an accident or it is stolen. In this case, the total sum of the expenses paid for the vehicle insurance, registration charges and road tax is reimbursed proportionately.

What is IDV and how is it calculated?

​IDV stands for Insured's Declared Value (IDV). This is the present market value of a vehicle.
It is calculated by adjusting the current manufacturer's listed selling price of the vehicle with depreciation percentage as listed in the table below:

What are electrical and non-electrical accessories? How do you calculate their value?

​Electrical accessories are any electronically powered accessories that are part of your vehicle. You can protect electrical accessories, which are not manufacturer fitted, by paying an extra premium of 4% on the value of the item. The value of the item is as stated by you i.e. the insured.

Non-electrical accessories include anything from foot rests to seat covers, which are not manufacturer fitted. Protection for these can be achieved by paying an extra premium on the invoice value.

What do you mean by Add-On Cover?

​Add-on covers literally add extra protection and cover benefits to your policy. They help to customise your two wheeler insurance policy based on your requirements.
You can opt for any one of these add-on covers to get more comprehensive coverage:

  • Total Cover
  • Nil Depreciation
  • Voluntary Deductible

What is a Voluntary Deductible?

​Voluntary deductible is an amount that you agree to pay towards a claim before the insurance company picks up the balance. It is a fixed and minimum amount that you declare to pay when you make a claim. This amount is inversely proportional to your premium. The higher your Voluntary Deductible amount, the lower is your premium.

For example, if your claim amount is Rs. 20,000 and the voluntary deductible is Rs. 3,000 then you have to bear the first Rs. 3,000 and the claim will be worth Rs.17,000.

Your deductible amount will differ as per the Cubic Capacity (CC) of your vehicle.as mentioned in pvt car
You may also opt for a higher deductible over and above the compulsory deductible (GR-40) amount. In this case, we will award you with a suitable discount based on the following table.as mentioned in pvt car

  *Own Damage premium


What is Nil Depreciation?

This add-on cover entitles you to get 100% repayment on the depreciated parts (other than tyres and tubes) at the time of claim settlement. You can opt for a Nil Depreciation Cover when you get a new bike insured or at any subsequent renewal, so if you haven't got one right now, you should probably consider it!

By paying a minimal, additional charge on your premium, you can benefit in the following ways:

  • Avail repairing costs of fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts

Please note that we cover only private cars and two wheelers, with a maximum of two claims in one policy period. This cover is applicable only for select make and models that are not older than two years.

If I buy new accessories for my vehicle during policy tenure, can I get them insured in the middle of the insurance policy term?

​Why not! You can easily get a cover for newly fitted accessories once you send us a written request, and share the complete details of the accessories. You will also need to pay an extra premium to get these insured.

Which factors will affect / reduce my bike insurance premium quote while buying two wheeler insurance online?

​Factors that affect / reduce your 2 wheeler insurance premium quote are:
  • Insured Declared Value or IDV (present market value of the vehicle)
  • Cubic Capacity (CC) of the vehicle
  • Place of registration (Zone A / Zone B)
  • Type of model
  • Age of the vehicle
  • Type of cover - whether you want comprehensive or third-party cover only
  • Add-on covers chosen by you


What are the modes of payment accepted while buying two wheeler insurance online? Are there different schemes?

​Online payments definitely make life easier. At Reliance General Insurance, you can pay your policy premium in following ways:

  • Credit Card​
  • Netbanking
  • Debit Card using ATM PIN
  • Debit Card using 3D secure

We accept all Visa, Mastercard, American Express cards and other international credit cards.


Does the Two-wheeler model affect the cost of two wheeler insurance?

​Yes, it does. The brand, model and the variant of your bike or scooter determine its price. Since two wheeler insurance premiums are directly linked to the sum insured, the two-wheeler model affects the insurance cost.

Check: Two Wheeler Insurance By Brand And Model​

How do I register my claim?

As soon as any damage or loss occurs to the vehicle, regardless of the hour, we recommend that you call our helpline numbers immediately.

Toll Free: 1800 3009

You can also directly register your claim online. Click here to download the form. 

What documents are required to file a claim?

Here’s a list of document you should keep ready while making a claim.
Accident Damages:
  • Completed claim form
  • Proof of Insurance - Policy / Cover Note copy
  • Copy of Registration Book
  • Copy of Driving License
  • Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
  • Repair bills and payment receipts after the job is completed
  • Any other document as required by the insurer

Theft Cases:
  • Original Certificate/Policy Document
  • Original Registration Book, with Theft endorsement from concerned RTO, and tax payment receipt
  • Previous Insurance Details
  • Policy number
  • Insuring office / company
  • Period of insurance
  • All the sets of keys/service booklets/Warranty card
  • Police Panchanama / FIR and final investigation report/JMFC report
  • Acknowledged copy of letter address to RTO intimating theft and making vehicle "NON-USE"
  • Any other document as required by the insurer


When should I report to the police?

​You should immediately report to the nearest police station in case there is damage to any third-party property, bodily injury to third party or self, or theft of the vehicle.

What to do if my two-wheeler is stolen?

​You should immediately report to the police about your stolen vehicle ​before registering any claim. A delay in reporting will affect your claim, as a General Insurance Company could deny liability.

What is cashless and non-cashless / reimbursement claim?

​Cashless Claim: A cashless claim is one, where physical cash does not exchange hands during the settlement of the claim. We, the insurers, will pay the repair charges of the vehicle directly to the garage.

However, this is possible only if the garage is part of our listed network of garages.

Non-Cashless / Reimbursement Claim: This type of payment or settlement occurs when you choose a garage that is not part of our network. In this case, you need to make the complete payment to the garage at the time of the repairs. Later, you can get this amount reimbursed by submitting the original bills and payment receipts to our office.

Can I choose not to claim if the damage is minimal? What do I gain out of it?

​If the damage to the vehicle is minimal, it is always a good idea not to make a claim. This will help you to benefit from the No-Claim Bonus (NCB) for every claim-free year.

If you don't make any claim on your insurance policy for a few years, the NCB can reduce your premium cost to half the price. In fact, it could very well be the case that the amount you spend on small repairs occasionally is lesser than the amount you stand to lose as No-Claim Bonus.

How can I cancel my 2 wheeler insurance claim?

​You can cancel your claim by calling our

Toll Free: 1800 3009

Where can I view the list of cashless garages in my city?

​Click here to find out the address of a cashless garage closest to you


 

What do you mean by Constructive Total Loss?

If the repair cost of your vehicle (in case of an accidental loss or damage) is more than its current value, it is known as contractive total loss.
​

If I lodge my claim after the policy expires for the event that occurred during the policy term, will the claim be valid?

​Yes!
If the event of loss or damage took place during the policy period, you will be eligible for the claim even after the policy has expired.

Covering your two wheeler for basic insurance is a must, but if you truly want to benefit from your two wheeler insurance policy, you should definitely consider some of these add-on covers​​​​

Nil Depreciation Cover

With this add-on, you can easily get rid of the 'depreciation factor' of your vehicle parts. When you make a claim, a major deduction could be charged based on the age and depreciated value of the vehicle or the parts that require replacement

Availing of this extra cover with your two wheeler insurance will widen the scope of your cover, provide you extra security and minimise your own expenses on the vehicle considerably. What do you need to do? Just pay a little extra two wheeler insurance premium to benefit later!

As always, there are a few important things to keep in mind :

  • We offer the add on coverage on rubber, nylon and plastic parts and fiber-glass components with your bike insurance
  • We cover vehicles with a maximum age of 2 years
  • We offer a maximum of 2 claims per policy period
  • We can add this extra element to your two wheeler insurance policy when you get a brand new vehicle or when you renew your two wheeler policy
  • We cover only two-wheelers under this add on cover
  • We will settle a claim made only for the insured vehicle and only if it is repaired by / at one of our authorised dealers or workshops
  • We will not grant indemnity to total loss, constructive total loss or theft claims under this  add on cover

Finally, there are two major exclusions that the add-on doesn't cover :

  • Parts not approved under the Motor Insurance Policy
  • Tyres and tubes

Another add on cover with your two wheeler insurance policy is the Personal Accident Bundle Cover. As part of the Optional Personal Accident cover, we provide you a cover against accidents anywhere in the world regardless of who is driving the car. Under this cover, you are insured against Accidental Death and Permanent Total Disablement. The details are as follows:

Average Rating:

4.5(Based on 185 ratings)

Showing 10 reviews

  • “Hassle free process by Reliance”

    I applied for a car insurance policy via the reliance general website. After the purchase of the policy, I got an email of the policy. The response has been quick and I even get updates on my mail. Pretty cool.

    Ujjwal B20 June 2017, Mumbai
  • “Great buying experience on Reliance General Website”

    I wasn't sure about purchasing a policy online. I used to have an agent but I decided to buy a car policy independently this time. The online research took a while but it was definitely worth it. Got a great deal on this vehicle insurance policy and save a lot. Bye-Bye agent. Welcome online insurance purchase.

    Anand L19 June 2017, Nellore
  • “Very courteous support team”

    Very courteous support team. They guided me on chat while I was purchasing the motor insurance policy.

    Dhan CS16 June 2017, Bengaluru
  • “Reliance gives a very good no claim bonus discount”

    Reliance gives a very good no claim bonus discount. With the GST approaching, the car insurance premium will rise. So good time to buy insurance and they are giving a good discount on the vehicle policy. Discount + no claim bonus = lots of savings.

    Uruj M15 June 2017, New Delhi
  • “Best car insurance company I came across”

    I wanted to take the best car insurance company out there in the market as my Mercedes is really precious to me. A friend suggested reliance general to me and so after some preliminary research I purchased the policy. I even got a good no claim bonus discount. Thanks.

    Roslinda B14 June 2017, Chennai
  • “Road side assistance service is bang on”

    Taking my time out to appreciate the claim settlement team of reliance. The road side assistance service is bang on (the only company to give rsa free worth 500), the claims team was quick and helpful. The accident wasn't a major one but it definitely helped that these guys were there.

    Subramaniyam P14 June 2017, Nagpur
  • “Reliance call centre helped me”

    I ended up filling the quote form and left it. A guy called me on the same day, listened to what I wanted, gave me advice on how much coverage should I take on my car insurance policy and even helped me make the purchase.

    Shankar R13 June 2017, Mumbai
  • “Buying policy is very easy”

    Purchased their car insurance policy online. I was at work and busy. Luckily I just had to enter my car number, I got the quote quickly. Since I was only renewing my policy, just had to make the payment. Thanks.

    Ghanshyam S12 June 2017, Pune
  • “Free Roadside assistance rocks!”

    I was driving on the western express highway and a guy came from behind and crashed into my car. I was shocked and scared. Someone told me we�ll need a towing vehicle to take this car to the garage. This is when I used their road side assistance service I got with my car insurance. They handled the situation really well. After that day I recommend people to buy this policy.

    Nilesh S9 June 2017, Goa
  • “Overall a well-rounded policy”

    Overall a well-rounded policy. The price and the coverage are both competitive. I purchased this policy as I got a good discount. Had to buy before GST kicks in as the premium will rise due to higher taxes.

    Nilay K8 June 2017, Alibaug
    • See all reviews