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Two-wheeler insurance safeguards you against unforeseen damage or loss incurred while riding your vehicle. A bike insurance policy also offers protection against natural calamities, theft, explosions and more.At Reliance General Insurance, we provide some of the best two-wheeler insurance plans. We carefully curate our plans to meet your financial and coverage needs. Make your every ride safe and worry-free by purchasing your #BikeKaYaar from Reliance General Insurance
Bike insurance or two-wheeler insurance offers financial protection for two-wheelers against a wide range of unforeseen risks.A two-wheeler insurance policy covers the cost of damages and financial losses incurred to your vehicle. It covers events like natural disasters, man-made calamities, theft, third-party liabilities and more.
Every two-wheeler owner in India must have long-term third-party insurance. Failure to do so can result in heavy fines and penalties from the traffic authorities.
Bike insurance covers the expenses resulting from third-party losses and damages caused by your bike. It also offers the necessary legal assistance in such scenarios.
Bike insurance protects you from heavy financial loss arising due to theft of your two-wheeler. You can recover up to the current market value of your stolen bike.
From earthquakes and floods to riots and strikes, bike insurance covers the damages incurred to your bike due to natural and man-made disasters.
Two-wheeler insurance also covers the accidental injuries, disabilities and even death of owner-riders, providing necessary financial assistance during emergencies.
Finally, a bike insurance policy lets you enjoy your rides without stressing over unforeseen financial risks.
Reliance General Insurance offers a wide range of two-wheeler insurance policy options to choose from. Whether you are looking for a comprehensive plan, a third-party policy or a SAOD plan, you can buy any plan based on your unique needs.
With Reliance two-wheeler insurance, you get assurance of 100% claims settlement on your bike insurance policy. We offer a quick and smooth digital claims settlement process with a cashless settlement benefit.
Enjoy tailor-made coverage by customising your two-wheeler insurance plans using available add-ons. Not only that, but you can also choose your own IDV and level of coverage.
We have more than 11,000* top-rated network garages where you can avail of cashless repair services and enjoy hassle-free cashless claims settlement.
Our bike insurance premiums start from just ₹19 per month to help you secure your vehicle without any additional financial expenses. On top of it, you can enjoy up to 80% discounts to lower your premiums further.
We offer an easy and seamless two-wheeler insurance purchase and renewal experience. You can buy/new a desired policy online through our website or Reliance Self-i mobile application in minutes.
Refer to the policy wordings for details on coverage.
This add-on, also known as zero depreciation or bumper-to-bumper insurance, covers the total cost of your bike’s part replacement without deducting the depreciation value. That means, when you file a claim, you receive the actual value of the part without any depreciation.
Consumables, such as engine oil, brake fluid, nuts and bolts, chain lube, coolant and more, are required for the smooth functioning of your bike. This two-wheeler insurance add-on covers the cost of repairing/replacing consumables for your bike after an accident.
This add-on offers additional financial coverage for third-party liabilities as compared to your standard third-party policy. This is one of the most useful add-ons for a bike insurance policy, as it helps you compensate for hefty third-party losses that the basic third-party policy can not cover.
As the name suggests, this bike insurance add-on offers additional coverage in case of accidental death, disability or death of the owner-driver. Note that the coverage limit offered by this add-on is over and above the limit of the standard personal accident cover.
Suppose you or your pillion passengers suffer injuries due to an unforeseen event. In that case, this add-on will cover your emergency hospitalisation expenses regardless of the healthcare provider or facility you choose. It covers your medical expenses up to a pre-specified limit, including the cost of an ambulance.
If your insured two-wheeler suffers total damage (damage beyond repair) or is stolen, this bike insurance add-on will provide you with the original invoice value of your vehicle. You get the purchase cost of the bike (on-road price), including the registration and road tax.
The EMI protection add-on is ideal when scooter repairs or replacements take more than 30 days. With this bike insurance add-on, if the repair period exceeds 30 days, we will directly pay up to 3 EMIs to your bank on your behalf, providing you with extra peace of mind.
In case your scooter or scooty helmet is damaged due to an accident or other unforeseen events, this bike insurance add-on provides financial support to replace it with the same model and type, ensuring your safety gear is always up to standard.
Also Read: Single-Year or Multi-Year Two-wheeler Insurance: Which is Better?
No need to spend days and weeks to buy/renew your two-wheeler insurance. We offer instant policy issuance and renewal for your convenience.
We offer “no-inspection renewal” to save you from the complicated and time-consuming vehicle inspection process. Renew your policy in minutes.
No need to schedule appointments or visit the branch. You can purchase/renew your bike insurance anytime, anywhere through your mobile or laptop.
Buying two-wheeler insurance online can save you a lot of money. You can get up to 80%* discounts on buying online from our website or the Reliance Self-i app.
Purchasing online also helps you make informed decisions as you can compare different plans and customise them as per your requirements.
If you have any questions, call our helpline number +91 22 4890 3009 for assistance or visit our Self-Help portal.
The type of two-wheeler insurance policy you purchase directly impacts your premiums and coverage extent. Therefore, choose your policy mindfully based on your specific needs and budget. It is recommended that you compare multiple plans based on features, inclusions and exclusions.
Having 2-wheeler insurance is essential for financial planning and risk management. However, it should not impact your finances. A good idea is to estimate your bike insurance premium using a reliable bike insurance calculator and align it with your budget.
Pay special attention to your insurance company's claims settlement process. Make sure that it is simple, quick and convenient.
Before finalising a plan, ensure that the network garages are easily accessible from your location. You can also read reviews and ratings of the network facilities to learn about their service quality.
Avoid making any purchase decisions before understanding the terms and conditions of your chosen bike insurance plan. Take enough time and go through your policy documents well to make an informed decision.
The cost of two-wheeler insurance premiums is calculated based on your selected coverage. The premium goes higher with higher coverage. This is the reason why third-party bike insurance is available at a lower price than comprehensive insurance.
Insured Declared Value is the next factor that impacts the 2-wheeler insurance price. Generally, vehicles with higher IDV have to pay higher bike insurance premiums. However, a higher IDV is a good sign as it increases your claim limit.
The make and model of your bike also influences your 2-wheeler insurance premium. High-end and sports bikes attract higher two-wheeler insurance premiums than regular bikes due to their higher IDV and repair/replacement costs.
If you have gained no-claims bonus discounts during your previous term, you can enjoy low-priced bike insurance by utilising it at the time of renewal. This discount is awarded for each claim-free year.
In addition to the factors mentioned above, your location is also considered when calculating your 2-wheeler insurance price. You may receive higher premiums if you drive the insured vehicle in risk-prone areas.
IDV in bike insurance is a critical factor for calculating the sum insured and the premium amount. It refers to the maximum amount your vehicle can be insured for. In simple terms, it is the maximum amount you can claim if your bike gets stolen or damaged beyond repair.Although the actual IDV of two-wheelers is calculated using methods published by IRDAI, you can adjust your IDV by 15%.Choosing the accurate IDV is crucial as it directly impacts your two-wheeler insurance premium rates and claim limit. For instance, if your IDV is high, you have to pay higher premiums, but you can claim a higher amount in the event of total loss.On the other hand, lower IDV will lead to lower bike insurance premiums but will also lower your claim limit if your bike is lost or damaged beyond repair.Below is a table showing the four-wheeler depreciation schedule published by IRDAI:
Each type of two-wheeler insurance is designed to offer specific coverage and benefits and hence priced differently. If you want to reduce your two-wheeler insurance premium, opt for the policy that matches your requirements. For this, you can also compare two-wheeler insurance premium rates for different plans.
Make sure that the IDV range you select closely matches the current market price of your vehicle. Moreover, don’t be afraid of a higher IDV, as it increases your overall claim limit.
Deductibles work great at reducing your bike insurance premium. These refer to the voluntary expenses you agree to pay before your insurance plan begins to cover the remaining expenses. To lower your premiums, opt for higher deductibles.
The installation of anti-theft devices on your vehicle significantly reduces its risk of theft. As a result, you receive low bike insurance premium rates for your bike.
If you are an existing policyholder and have not made any claim during your previous tenure, you are eligible for no-claims discounts. Utilise these discounts to lower your two-wheeler insurance premium.
Take your vehicle to the nearest network garage and get your repair work done cashlessly. We will directly settle your bike repair expenses. You only have to pay the deductibles.
Take your vehicle to any auto garage of your choice for repair. In this case, you have to pay for the resulting repair expenses. Once you have the invoices, you can submit them to us and get reimbursed accordingly.
It is the amount you have to pay to maintain the coverage of your two-wheeler insurance policy.
It is a two-wheeler insurance add-on that covers the complete replacement cost of auto parts without considering the depreciation value.
It refers to the highest amount for which your two-wheeler can be insured. Simply put, it is the maximum amount you are entitled to receive in the event of total loss.
This refers to a fixed amount you agree to pay before your two-wheeler insurance plan begins to cover the remaining expenses.
This is a discount offered for not making a claim during the policy tenure. It can be used to reduce the premiums at the policy renewal.
Consumables are the auto parts or essentials that are required recurrently. These include nuts, bolts, oil, lubricants, etc.
These refer to the additional paid covers that can be purchased to increase the coverage of an existing two-wheeler insurance policy.
It is a type of policy that covers accidental injuries, medical expenses and even death of the owner-rider.
It refers to the term for which you receive insurance coverage and benefits for your two-wheeler.
It is the period during which you can renew your two-wheeler insurance policy and restore the benefits after its expiry. Note that once the grace period is over, you can not reinstate the policy. You will lose all the benefits as well.
This is a type of motor insurance claims settlement process that involves our insurance company directly settling your covered expenses. You can avail of cashless settlement at our network garages.
April - 2025, Jharsuguda
April - 2025, Bengaluru
April - 2025, Gonda
April - 2025, Jhansi
June - 2025, Raichur
June - 2025, Faridabad
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Two-wheeler insurance is mandatory for every motorbike owner, according to the official Motor Vehicles Act of India. Not only for two-wheelers, but long-term third-party insurance is compulsory for each motor vehicle owner in the country.
It has been mandated by the government to ensure the safety of both drivers and non-drivers on roads.
Yes. Every two-wheeler must be insured regardless of its age, type, make and model. If the previous owner already has an insurance plan, you can consider transferring it to your name along with the other vehicle documents.
Yes. If you are selling your bike or any other two-wheeler, you can transfer the insurance plan to its new owner with other vehicle documents. This can improve the resale value of your vehicle.
You can select any purchase method based on your convenience, as both are simple and hassle-free. However, if you purchase a policy online directly from our website or Reliance Self-i application, we offer exclusive discounts of up to 80% on your bike insurance premiums.
Network garages refer to our empanelled auto-repair facilities, where you can take your insured vehicle after a mishap and get it repaired cashlessly by certified professionals. We settle your repair/replacement expenses directly at your chosen network facility, so you don’t have to bear the hefty repair expenses.
Third-party insurance for a two-wheeler is a type of insurance that only covers the third-party liabilities caused by your insured vehicle. It allows you to compensate the victim of the accident and help you deal with the legal consequences.
First-party bike insurance refers to a type of policy that only covers the damages incurred to the insured bike due to various perils, such as natural calamities, theft, man-made disasters, fire and explosions and more.
It is known as first-party bike insurance because it does not cover third-party losses caused by the insured vehicle.
The sum insured signifies the maximum amount you can claim with your insurance policy. In other words, it is the maximum amount the insurance company agrees to pay you in the event of a claim.
The choice between comprehensive and third-party insurance for two-wheelers depends mainly on your coverage requirements. If you already have own-damage bike insurance, then you can invest in a third-party policy to meet the legal requirements.
However, a comprehensive bike insurance plan is ideal if you don’t want to have two separate policies and require extensive coverage. It covers damages incurred to the insured bike and your third-party accidents.
Your bike insurance policy becomes inactive after the given date of expiry. If you want to continue the coverage and benefits, it is strongly recommended that you renew your plan within the specified grace period. Note that any failure to do so will lead to a lapse in your bike insurance plan. As a result, you will lose all the accumulated rewards and discounts.
Yes. Reliance two-wheeler insurance plans (except third-party insurance) cover damages sustained by the insured bike due to thunderstorms and other natural calamities, such as earthquakes, cyclones, floods, and typhoons.
The cost of two-wheeler insurance at Reliance General Insurance is calculated based on several important factors. These include your bike’s make and model, registration year, IDV, type of policy, and duration of tenure, among others.
You can estimate your two-wheeler insurance premiums by taking into account all these factors.
Alternatively, you can use our bike insurance premium calculator to get an idea of your selected two-wheeler insurance premium cost.
Buy your two-wheeler insurance plan online from Reliance General Insurance and avail yourself of up to 80% discounts. Get a quote for more information.
At Reliance General Insurance, we have made the process of filing two-wheeler insurance claims simple and quick. Here are simple steps you need to follow:
Once your claim has been approved and documents are verified, your reimbursement will be initiated based on the policy agreement.
Both are efficient options which can be chosen based on the type of claims. By opting for cashless settlement, you can reduce your out-of-pocket expenses and get your insured bike repaired by professionals at the network garages. It is a much simpler and quicker way to settle motor claims.
However, for situations like theft or severe damage, reimbursement claims are useful. At Reliance General Insurance, we offer a smooth process and low turnaround time for both cashless and reimbursement claims. For more details, contact us!
Disclaimer: *The premium mentioned is excluding taxes for the private two-wheeler model TVS Jupiter with cubic capacity of less than 110 cc for a 1 year Own Damage Insurance policy for an IDV of 34,766. Premium used is 233/year as on 1 March 2023 and then converted into a per month basis, which gives us Rs.19/month (233/12).
**The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, and age of the vehicle.
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. Details mentioned are for the product- Reliance Two Wheeler Package Policy. Discount is not applicable on TVS models. Discounts mentioned above is based on Vehicle category, Loyalty, Parking & Driving experience. UIN-IRDAN103RP0011V02100001.
Savings/discounting is on the Own Damage portion of motor insurance only. Discount on premium depends upon various risk factors like vehicle risk category, NCB status, vehicle parking facilities, geography etc. Final quantum of discounting may change upon entering the vehicle and/or risk details.
#The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
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