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Two Wheeler Insurance

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Two Wheeler Insurance

Zero

Paperwork

Personal Accident

Cover of Rs. 15 lacs

Expired

Policy renewal

Policy Renewal

upto 3 years

Just the way your bike has been a reliable companion through all your journeys, our two wheeler insurance is meticulously designed to be your bike’s ideal partner. As per the latest Motor Vehicle Act, insuring your two wheeler is compulsory. Get Reliance Two Wheeler Insurance within minutes and avoid paying a fine of Rs. 2000. We also offer comprehensive coverage for all top brands, including Hero, Honda, Yamaha, TVS, Suzuki, Royal Enfield & more.

For your convenience, here’s a policy that insures your bike for 3 long years in just 1 payment! Click here to know more about long term two wheeler insurance -

Reasons why Reliance Two Wheeler Insurance is the perfect match for your beloved motorcycle.

Instant renewal process
Customised add-on covers
Cashless facility at at 750+ garages*
Available at upto 50% discount**

Things You Need to Know About Two Wheeler Insurance

Why is two wheeler insurance necessary?

Avoid Financial Losses:- Two Wheeler Insurance protects you against the financial losses that could occur due to unforeseen accidents.
Mandated by Law:- Riding without a valid two wheeler insurance policy is punishable by law.
Peace of Mind:- Being financially prepared even for the worst case scenario will give you a sense of peace.
Personal Accident Cover:- Stay protected against medical treatment costs arising from accidents

Features of Reliance Two wheeler Insurance:

Cashless Repairs: Experience great convenience by getting your bike or scooter repaired at any of our 430 network garage, cashless!
Competitive Premium: Bike Insurance for your two wheeler starting at prices as low as a cup of tea.
Hassle-free Claims: Get your two wheeler insurance claim settled speedily with minimum paperwork.

Add-on Covers To Buy With Reliance Two Wheeler Insurance:

Nil Depreciation (UIN: IRDAN103A0004V01200910)

Nil Depreciation

With this add-on, secure your two wheeler against a reduction in the value of parts with age. You will get the parts replaced without any pinch to your wallet.

This add-on cover is applicable to the following conditions-

This add-on covers two wheelers, with a maximum of two claims in one vehicle insurance policy period
In case of partial loss, we will settle a claim made for the insured two wheeler only if it is repaired by/ at one of our authorised dealers or workshops
Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable if you have opted for it

Nil Depreciation UIN: IRDAN103RP0002V01201920/A0022V01201920

Daily Allowance Benefit (UIN: IRDAN103A0002V02201415)

We can’t deny the fact that accidents happen! In this condition, we have to leave our vehicles in the garages and travel by our own. This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorized network garage for more than 3 days for repairs. This add-on cover is applicable to the following conditions-

Triggered if >3days vehicle under repairs due to perils/OD
Option to choose days & amount
Allowance Limit Rs.5000/- per day
Lumpsum theft benefit, if vehicle is not recovered <=90 days
2 claims applicable

Daily Allowance Benefit UIN: IRDAN103RP0002V01201920/A0021V01201920

EMI Protection (UIN: IRDAN103A0007V01201415)

We are concerned about financial impact of an accident. We cover up to 3 EMI’s of your insured vehicle if it is in the insurer's authorized network garage for more than 30 days for repairs. This add-on cover is applicable to the following conditions-

Vehicle is in repair, vehicle loan EMIs will gets paid
Payment directly made to financial institution
Up to maximum 3 EMI shall be payable
Triggers if repair time > 30 days
Applicable only for partial claims

EMI Protection UIN: IRDAN103RP0002V01201920/A0025V01201920

Helmet Cover (UIN: IRDAN103A0033V01200910)

This add on cover will make an allowance towards cost of replacing damaged or destroyed helmet of same type and model due to accident involving the insured vehicle. This cover is valid for Annual Two Wheeler policy and can be bought as an add-on cover at the time of purchase. This add-on cover is applicable to the following conditions-

Premium starting @Rs.100/-
Pay only 10% of Helmet cost (Sum Insured)
Sum Insured limit up to Rs.50,000/- per helmet
More than 1 helmet can be covered in a single year
Reimbursement of the helmet will be the same type and model

Please note that the policy-

Shall be available only for maximum one accident during the policy period
Shall not be available for Theft claims
Deductibles is 5% of Sum Insured opted by the insured
shall not be available for damage caused by deterioration,wear and tear

Interested in Third-party liability insurance? Click here to know more about third party liability two wheeler insurance.

Use our free two wheeler insurance Premium Calculator to get an instant quote for your motorcycle or scooter.Just fill the details in the form on the left hand side of this page.

Wondering how to renew an expired bike insurance policy? Click here to know more about renewing expired two wheeler insurance.

Terms and conditions apply. *Details mentioned are for the product- Reliance Two Wheeler Package Policy.Upto 50% discount is applicable on the Annual Two Wheeler Insurance policy only. This information is for Reliance Two Wheeler Package Policy. Discount is not applicable on TVS models. The discount is applicable only on OD two wheeler insurance premium quote. Discounts mentioned above is based on Vehicle category, Loyalty, Parking & Driving experience. The premium mentioned has been calculated for Hero Honda Passion Pro Spokes Wheel 97 CC which is 8 years old and is registered in Nashik. **Subject to terms and conditions.

Note: Discount of upto 50% and the add-on covers mentioned here are applicable for the Annual Two Wheeler Insurance policy only.

What are the different types of two wheeler insurance coverage?

Two Wheeler Insurance coverage can be classified into two categories:-

THIRD PARTY LIABILITY	COMPREHENSIVE COVERAGE
Covers only third party liability	Covers damage to own vehicle apart from third party liability
Low premium	Relatively higher premium
Mandatory by law	Not Mandatory by Law
Covers damage only arising out of vehicular collision	Covers damages caused due to theft and natural calamities apart from vehicular collision

What are Add-On covers in Bike Insurance?

When you are riding on the roads you are exposed to numerous risks. While a standard two wheeler insurance plan offers basic protection, you can enhance your two wheeler insurance protection by opting for add-on covers such as Nil Depreciation Cover and Personal Accident Cover.

What is NCB in Bike Insurance?

When you don't file a claim during your bike insurance policy period, you will be eligible for a discount on your next premiums. This discount is referred to as a No-Claim Bonus. The No-Claim Bonus discount will keep increasing progressively for each claim-free year until your bike insurance premium is reduced up to 50%.

What is IDV in Bike Insurance?

The IDV (Insured Declared Value) is the current market value of your vehicle which is calculated after deducting the depreciation amount. It is a crucial component of a two wheeler insurance policy as it determines the amount of compensation. In case of theft or total destruction of your bike or scooter, the IDV is offered as "Sum Insured".

What is Nil-Depreciation in Bike Insurance?

You may already know that the monetary value of your Two Wheeler reduces overtime. This eventuality is a result of asset depreciation. Nevertheless, with Reliance Two Wheeler Insurance policy, you can combat the losses of depreciation by taking up a Nil-depreciation add-on cover along with your bike insurance. With a zero depreciation cover, you can be assured that the entire claim amount will be paid to you without deducting the depreciation sum.

Benefits of Buying Two Wheeler Insurance Online

Compare costs and features of two wheeler insurance policies easily online
Calculate your motorcycle insurance policy premium online and get a clear picture of the expenses involved.
Purchase your two wheeler insurance policy through various payment options like Debit/Credit card, Net Banking, etc.
Benefit of additional support through online chat assistance during purchase to address all your queries

Low Premium Doesn't Mean Less Coverage. Here's How to Save On Bike Insurance Premium

We don't just sell two wheeler insurance; we also make sure our customers get the maximum value for money on their Two Wheeler insurance.

Claim NCB:- NCB is a cumulative bonus which is rewarded for every claim-free year. You can secure a discount of up to 50% for 5 consecutive claim-free years.
Choose Your Bike/Scooter CC Wisely:- The higher the engine cubic capacity (CC) of your Two Wheeler, the higher will be the two wheeler insurance premium. So, choose the exact variant of your two wheeler to get the exact premium for the insurance.
Know The Age of Your Two Wheeler:- Older bikes have a lower Insured Declared Value (IDV) due to the accrued depreciation over the years. Hence the premiums for older bikes are lower and vice versa.
Increase The Voluntary Deductible:- A Voluntary deductible is an amount that you agree to pay out of your pocket. The higher your voluntary deductible, the lesser will be your bike insurance premium.

What Does Your Reliance Two Wheeler Insurance Policy Cover?

Even if you are an expert rider, safety is not guaranteed. At Reliance General Insurance, we endeavour to provide you the best possible coverage. Our Two Wheeler insurance policy covers your own as well as third party damages caused due to:-

Fire
Flood
Frost
Theft
Tempest
Typhoon
Earthquake
Explosion

Accident
Cyclone
Landslide
Terrorism
Inundation
Lightening
Rockslide
Hailstorm

Hurricane
Self-Ignition
Riot & Strikes
and/or Malicious Acts
Transit by Rail,
Road, Air & Elevator

We Don't Hide. Here's What We Don't Cover Under Two Wheeler Insurance

As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover:-

Normal wear-and-tear of the vehicle
Mechanical and electrical breakdown
A vehicle being used other than in accordance with the limitations as to use. For example, if you use your two wheeler for commercial 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 bike or scooter insurance claim
Damage to Tyres & Tubes unless the vehicle insured is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement
Loss or damage to the accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time

Now Your Two Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!

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.

No. of Years	Discount
One claim-free year	20%
Two consecutive claim-free years	25%
Three consecutive claim-free years	35%
Four consecutive claim-free years	45%
Five consecutive claim-free years	50%

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 insurance premium. Thus, eventually discounting the two wheeler insurance premium.

Please refer to the below table for appilcable Voluntary Deductible: -

Voluntary Deductible	Discount
Rs 500	5% on the OD premium of the vehicle, subject to a maximum of Rs 50/-
Rs 750	10% on the OD premium of the vehicle, subject to a maximum of Rs 75/-
Rs 1000	15% on the OD premium of the vehicle, subject to a maximum of Rs 125/-
Rs 1500	20% on the OD premium of the vehicle, subject to a maximum of Rs 200/-

Add-On to Your Protection with Add-On Covers

When you are riding on the roads you are exposed to numerous risks. While our standard Two Wheeler insurance plan offers basic protection, you can add more value to your two wheeler insurance protection with add-on covers. Our Add-On covers are designed to widen your two wheeler insurance cover to ensure all-round protection. You can choose from add-on covers such as: -

Nil Depreciation Cover -

You must already know that the value of your bike/scooter reduces over the years. Depreciation is the single most factor responsible for the reduction in value of your Two Wheeler overtime. The Nil Depreciation add-on cover allows you to get rid of the 'depreciation factor'. Opt for this and you will never have to bear the losses due to depreciation on all parts except the tyres and tubes.

Without the Nil Depreciation add-on cover, you will be charged a major deduction based on the age of your vehicle. Just pay a little extra and avoid the losses of depreciation and widen the scope of your Two Wheeler insurance cover by availing the Nil Depreciation Add-on Cover.

Important points to keep in mind about Nil Depreciation Cover -

The rubber, nylon, plastic parts and fibre-glass components are covered under this add-on.

We cover vehicles with a maximum age of 2 years
We offer a maximum of 2 claims per policy period
You can opt for this add-on cover with your two wheeler insurance policy when you get a brand new vehicle or while renewal of your two wheeler policy
Only Two Wheelers are covered under this add-on cover.

Exclusions under the Nil Depreciation Add-On Cover -

Parts not approved under the Motor Insurance Policy
Tyres and tubes

We offer two wheeler insurance plans for various two wheeler brands and models. Click here to know more!

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Two Wheeler Insurance FAQ

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:

Vehicle Age	% of Depreciation
> 6 months	5%
< 6 months but > 1 year	15%
< 1 year but > 2 years	20%
< 2 years but > 3 years	30%
< 3 years but > 4 years	40%
< 4 years but > 5 years	50%

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

Voluntary Deductible Amount	Discount
Rs, 500	5% on the OD premium * of the vehicle, subject to a maximum of Rs. 50/-
Rs. 750	10% on the OD premium of the vehicle, subject to a maximum of Rs. 75/-
Rs. 1000	15% on the OD premium of the vehicle, subject to a maximum of Rs. 125/-
Rs. 1500	20% on the OD premium of the vehicle, subject to a maximum of Rs. 200/-
Rs. 3000	25% on the OD premium of the vehicle, subject to a maximum of Rs. 250/-

*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.

Two Wheeler Insurance Reviews and Ratings

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4.5(Based on 231 ratings)

Showing 10 reviews

“Good deals for buying two wheeler insurance”
It was very easy to purchase two wheeler insurance online. I received the insurance copy for my bike instantly
Tarun D20 January 2020, Dhanbad
“Easily available policy”
Very easy to purchase the policy. Did not need any paperwork. I could buy the policy very fast and conveniently
Varshesh G14 January 2020, Surat
“My Scooter is safe now!”
My two wheeler insurance was about to expire so I quickly bought it online on reliance's website. It was blazing fast. I quickly entered all my details and got my scooter insurance
Pratiksha M4 January 2020, Chennai
“Convenient Process”
Needed to renew my bike insurance so I decided to switch this time as I was not satisfied with my previous insurer. Bought the insurance easily online in just a few steps. Reliance makes me feel confident this time I will not have any problems
Medha S5 October 2019, Jodhpur
“Good two wheeler insurance”
Apart from the third party insurance I also purchased comprehensive insurance for my bike as I wanted to get coverage for myself as well.Relaince has some amazing benefits in store.
Akshay A21 September 2019, Bangalore
“Conveniently obtained car insurance”
Getting an insurance online is so easy.And all the details about the policy was listed out so I could choose properly as well.
Kaizad T20 September 2019, Warangal
“Affordable two wheeler insurance”
Insurance for bike is very affordable by Reliance and they offer discounts for no claims as well.
Amaira O13 September 2019, Calicut
“Good service provided for two wheeler insurance”
Multiple options are available for bike's insurance which you can choose as per your needs.
Vinita A5 September 2019, Kalyan
“Good website with detailed description for bike insurance”
I have browsed through the plans for bikes and found a suitable one for myself. Detailed explation provided for two wheeler insurance and services are good!
Achira N31 August 2019, Sangli
“Great offers for bike insurance”
Purchased a bike insurance for my TVS and satisfied with the service provided
Shashank R25 August 2019, Chandigarh

See all reviews

Now Your Two Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!

We offer you the best of both the worlds. Get enhanced protection at attractive premium rates. Here are the discounts we offer:-

No Claim Bonus
The No Claim Bonus is your rightful reward for being a responsible rider. As our customer, you can enjoy No Claim Bonus which increases progressively on a yearly basis, until the discount reaches a whopping 50%. Here's how it is accumulated on a yearly basis: -
No. of Years Discount
One claim-free year 20%
Two consecutive claim-free years 25%
Three consecutive claim-free years 35%
Four consecutive claim-free years 45%
Five consecutive claim-free years 50%

Voluntary Deductible

You can avail discounts on your two wheeler insurance premium in case you have opted for a voluntary deductible while buying the policy. A Voluntary deductible is the minimum amount that you choose to pay from the claim amount. The higher the Deductible amount, the lower is your bike/scooter insurance premium. Please refer to the below table to know the applicable Voluntary Deductible: -

Voluntary Deductible	Discount
Rs 500	5% on the OD premium of the vehicle, subject to a maximum of Rs 50/-
Rs 750	10% on the OD premium of the vehicle, subject to a maximum of Rs 75/-
Rs 100	15% on the OD premium of the vehicle, subject to a maximum of Rs 125/-
Rs 1500	20% on the OD premium of the vehicle, subject to a maximum of Rs 200/-

View Brochure (One Year) View Brochure (Multi Year)

Policy Wording

E-mail Brochure .

E-mail Policy Wording .

E-mail Claim Form .

Email Address

Zero

Paperwork

Instant

Policy issuance

No-Inspection

for Expired Policy

Personal Accident

Cover of 15 lacs

Reliance Two Wheeler Insurance aims to cater to all your bike insurance needs. We offer several benefits to make your rides worry-free.

You would be also be interested to know that with this policy, you have an advantage to insure your bike for upto 3 years with a one-time payment.

Why opt for a multi-year policy?

No hassle of yearly renewals
Discount of upto 13%*
Lock-in the same TP rate for 3 years

*Tenure premium discount for three years is 13%.

Know more..

Make & Model
Age Of Vehicle
IDV	`
Policy Start Date

Sales Tax (12% of Premium)	`
Surcharge (0.6% of Premium)	`

Two Wheeler Insurance

Existing policy with Reliance?

Your Quote Details

Tax in Details

Tax in Details

Tax in Details

Two Wheeler Insurance

Benefits

Plan Details

Reasons why Reliance Two Wheeler I​nsurance is the perfect match for your beloved motorcycle.​

Things You ​Need to Kn​ow About Two Wheeler Insurance​​​

Why is two wheeler insurance necessary?

​Features of Reliance Two wheeler Insurance:​​​​

Ad​d-on​ Covers To Buy With Reliance ​Two Wheeler Insurance:​

Nil Depreciation (UIN: IRDAN103A0004V01200910)​​​

Nil Depreciation

Daily Allowance Benefit (UIN: IRDAN103A0002V02201415)​​

EMI Protection (UIN: IR​​DAN103A0007V01201415​)​

Helmet Cover​ (UIN: IRDAN103A0033V01200910)​

​What are the different types of two wheeler insurance coverage?

What are Add-On covers in Bike Insurance?

What is NCB in Bike Insurance?

What is IDV in Bike Insurance?

What is Nil-Depreciation in Bike Insurance?

Benefits of Buying Two Wheeler Insurance Online

Low Premium Doesn't Mean Less Coverage. Here's How to Save On Bike Insurance Premium​​​​

What Does Your Reliance ​Two Wheeler Insurance Policy Cover?

We Don't Hide. Here's What We Don't Cover Under Two Wheeler Insurance

Now Your Two Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!​

Add-On to Your Protection with Add-On Covers​​

Nil Depreciation Cover -

Important points to keep in mind about Nil Depreciation Cover -

​Exclusions under the Nil Depreciation Add-On Cover -​

We offer two wheeler insurance plans for various two wheeler brands and models. Click here to know more!​​

Two Wheeler Insurance A​rticles​

Interesting Two Wheeler Reads

Two Wheeler Insurance FAQ

Two Wheeler Insurance Reviews and Ratings

Average Rating:

Now Your Two Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!

Why opt for a multi-year policy?

Now Your Two Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!

Reasons why Reliance Two Wheeler Insurance is the perfect match for your beloved motorcycle.

Things You Need to Know About Two Wheeler Insurance

Features of Reliance Two wheeler Insurance:

Add-on Covers To Buy With Reliance Two Wheeler Insurance:

Nil Depreciation (UIN: IRDAN103A0004V01200910)

Daily Allowance Benefit (UIN: IRDAN103A0002V02201415)

EMI Protection (UIN: IRDAN103A0007V01201415)

Helmet Cover (UIN: IRDAN103A0033V01200910)

What are the different types of two wheeler insurance coverage?

Low Premium Doesn't Mean Less Coverage. Here's How to Save On Bike Insurance Premium

What Does Your Reliance Two Wheeler Insurance Policy Cover?

Now Your Two Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!

Add-On to Your Protection with Add-On Covers

Exclusions under the Nil Depreciation Add-On Cover -

We offer two wheeler insurance plans for various two wheeler brands and models. Click here to know more!

Two Wheeler Insurance Articles