WhatsApp with us :
(Inclusive of all taxes)
Premium estimate is based on the assumption that there has been no break-in and claim made in any of the previous policies.
Just the way your bike has been a constant companion through all your journeys, our two wheeler insurance is designed to be the perfect companion for your bike. Protecting it at all times. Not convinced? Here's why our two wheeler insurance is the perfect match for your beloved vehicle.
We also provide add-on covers such as Nil Depreciation Cover and Personal Accident Bundle Cover to enhance your bike insurance protection further.
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
You can now opt for the Long Term Two Wheeler Insurance Policy and ride worry-free for up to 3 years*.
Interested in Third-party liability insurance? Click here to know more!
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.
What are the different types of two wheeler insurance coverage?Two Wheeler Insurance coverage can be classified into two categories:-
What are Add-On covers?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?When you don't file a claim during your 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?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?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.
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 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.
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:-
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:-
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 premium. Thus, eventually discounting the two wheeler insurance premium.
Please refer to the below table for appilcable Voluntary Deductible: -
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 CoverYou 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 CoverThe rubber, nylon, plastic parts and fibre-glass components are covered under this add-on.
Exclusions under the Nil Depreciation Add-On Cover
Personal Accident Bundle CoverThe Personal Accident Bundle Cover is a part of the Optional Personal Accident cover which provides coverage against accidents anywhere in the world. Moreover, the coverage will be extended to any person driving your Two Wheeler. Under this cover, you are insured against Accidental Death and Permanent Total Disablement. Here are the details of the coverage under the Personal Accident Bundle Cover:-
Cost of replacement of damaged or destroyed Helmet of same type & model due to accident involving the insured vehicle will be indemnified.
Benefit of this cover :
This is applicable if the total value of the current insurance premium, registration charges and Road Tax is not more than 25% of the vehicle's current Insured Declared Value (IDV).
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.
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.
Yes, you can!All you have to do is enter Policy No./ Cover No. and Engine Number and you can renew the policy online
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 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.
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.
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.
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.
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.
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.
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.
You can make changes to your two wheeler insurance only in the following cases:
For an endorsement, you simply need to raise a service request online, by logging onto our website: www.reliancegeneral.co.in.
The policy covers damage or loss to the two-wheeler due to:
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:
The risks that we don’t cover in this policy are as follows:
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.
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
You can claim the PA cover only if the Motor Insurance Policy:
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.
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:
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.
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:
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 carYou 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
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:
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.
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.
Factors that affect / reduce your 2 wheeler insurance premium quote are:
Online payments definitely make life easier. At Reliance General Insurance, you can pay your policy premium in following ways:
We accept all Visa, Mastercard, American Express cards and other international credit cards.
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
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.
Here’s a list of document you should keep ready while making a claim.
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.
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.
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.
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.
You can cancel your claim by calling our
Click here to find out the address of a cashless garage closest to you
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.
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.
Showing 10 reviews
I have two wheeler insurance of reliance. My bike was repaired accurately in one of the networked garage
Purchased the long term two wheeler insurance. Now my bike is safe for continuous 3 years
A friend suggested me to buy a two wheeler insurance for my new bike from reliance. I am happy to have one and liking the services
I purchased bike insurance online from reliance. It involved 0 paperwork and was quick
I came across this long term two wheeler insurance and in no time I purchased it as I am bad at doing renewals on time
I have my two wheeler insurance from reliance. My bike was given in one of the cashless garages to get repaired. I received the bike on time and was well repaired.
I liked the features of long term two wheeler insurance. I decided to get one for my bike from reliance.
I renewed my bike insurance in hardly some time. It was faster than I actually thought. Thanks Reliance!
Happy to have a two wheeler insurance with reliance general. I went to one of the cashless network garage and the experience was really good as my bike was serviced well and on time.
I renewed my two wheeler insurance policy online and I was able to do it within minutes.
We offer you the best of both the worlds. Get enhanced protection at attractive premium rates. Here are the discounts we offer:-
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: -
E-mail Brochure .
E-mail Policy Wording .
E-mail Claim Form .
Brochure has been sent to Your Email Address.
Claim Form has been sent to Your Email Address.
Sorry, something went wrong. Brochure could not be sent to Your Email Address.
for Expired Policy
of yearly renewals
Lock-in the same
TP rates for 2 Years
TP rates for 3 Years