Hero Bike Insurance

Owning a Hero bike is more than just a means of transportation-it's about enjoying the freedom of the open road and the confidence of riding a dependable vehicle.

However, every journey comes with potential risks. That's where Hero bike insurance proves invaluable, offering solid protection against unexpected damages and liabilities.

With tailored plans designed for Hero bikes, Reliance General Insurance - trusted by around 5 crore riders across the country, provides flexible comprehensive coverage to keep your bike secure. Focus on the joy of every ride, knowing your prized possession is well-protected.

Why Do You Need Insurance for Your Hero Bike?

• Fulfil Legal Ob​​ligations

  Riding your Hero bike without insurance can lead to penalties and legal issues. Third-party bike insurance coverage is mandatory by law.

  It covers third-party liabilities if your bike causes death, bodily harm or property damage to others.

• Protect Your Fin​​ances

  Accidents, theft and​​ natural calamities can result in unforeseen expenses. A comprehensive two-wheeler insurance policy offers financial protection by covering repair costs, replacements and damages, helping you avoid financial strain.

• Ride with P​​eace of Mind​

  Insurance for your Hero bike goes beyond meeting legal requirements. Whether tackling daily traffic or exploring open roads, bike insurance ensures you'r​​e financially prepared for unexpected events. This allows you to ride worry-free.

Types of Reliance Bike Insurance Plans

Annual Third-party Bike Insurance

Third-party coverage is mandatory as per the Motor Vehicle Act of 1988. For riders seeking short-term, cost-effective coverage, this plan offers third-party liability protection for one year.

With affordable premiums, it's a practical choice that also fulfils the legal mandate. However, the policy does not cover the damages that the bike might suffer.

Comprehensive Hero Bike Insurance

This all-inclusive plan protects your Hero bike against both third-party liabilities and damages to your vehicle. It covers personal accidents, theft, natural disasters, fire and more.

With the flexibility to choose coverage for 2, 3 or 5 years, it ensures long-term security and convenience.

Long-term Hero Third-party Insurance

Meet legal requirements effortlessly with this multi-year third-party liability plan. It covers injuries, property damage and death caused to a third party due to your bike.

By eliminating yearly renewals, it saves time and money while providing uninterrupted coverage.

Hero Own Damage Bike Insurance

Focused exclusively on protecting your bike, this standalone policy covers the damages that your bike might suffer. It covers perils like accidents, theft and natural calamities.

The policy is suitable if you already have third-party coverage on your bike. Additionally, you can also choose add-ons for customising the coverage.

Benefits and Features of Reliance Bike Insurance

Reliance bike insurance policies are crafted to ensure comprehensive protection for your valued two-wheeler. Whether it's safeguarding against accidental damage, theft or third-party liabilities, these plans cater to diverse needs.

Here's why Reliance bike insurance is a trusted choice for riders:

This comprehensive range of features and benefits makes Hero motorcycle insurance an ideal choice for riders.

Reliance Bike Insurance - Inclusion & Exclusion

Knowing the ins and outs of your Reliance bike insurance is essential to maximise its value. The coverage protects you from specific risks, while the exclusions outline situations where claims won't be valid.

Let's take a closer look at the details:

To keep your Hero motorcycle protected, ensure timely renewal of your Hero 2-wheeler insurance to avoid any gaps in coverage against uncertainties.

Hero Bike Insurance Add-on Covers

• Zero Depre​​ciation Cover​

  Enjoy full reimburse​​​​ment for the bike's parts that have been repaired or replaced without deductions for depreciation.

• Consum​ables Cover

  Repairs afte​​r accidents often need consumables like engine oil or brake fluid-this add-on ensures those costs are covered.

• Additional Thi​rd-party Protection

  Enhance y​​our policy with added coverage for third-party property damage, offering financial security beyond the basic limit.

• Addition​al Personal Accident Cover

  Get extra peace​ of mind with extended coverage for accidental death or disability of the owner-driver.

• Emergency Medic​al Expense Cover

  Accide​​nts can lead to unexpected expenses. This add-on covers emergency medical costs and ambulance charges for you and your pillion rider.

• Retur​n-to-Invoice Cover

  With the ​return-to-invoice cover, receive your bike's original invoice value (including road tax) in case of total loss or theft.

• EMI Prot​ection Cover

  If your bi​ke is under repairs for over 30 days, this add-on takes care of up to three EMIs (equated monthly instalments), reducing financial strain during repairs.

• Helmet C​​over

  Your hel​met deserves protection too. This cover reimburses the cost of repairs or replacement if damaged in an accident.

How to Buy Hero Bike Insurance Online?

1. Visit the Off​​icial Website

   Head to Relianc​e General Insurance portal to explore Hero bike insurance options.

2. Provide ​​Your Bike Details

   Enter yo​​ur Hero bike's make, model, registration number and year of manufacture to get a precise insurance quote.

3. Compa​re Plans

   Browse th​rough third-party and comprehensive coverage plans to choose the one that matches your budget and coverage needs.

4. Customi​se Your Policy

5. Select ad​d-ons like zero depreciation or roadside assistance for enhanced protection. These extras can make a significant difference in your policy benefits.

6. Check Pre​​miums and Pay Securely

   Use t​he online calculator to determine your premium. Proceed to the secure payment gateway to pay the premium and finalise your purchase.

7. Receive Y​our Policy Instantly​
   

   Upon p​​​ayment confirmation, your policy documents will be sent to your registered e-mail address.

Steps to Renew Hero Bike Insurance

1. Log In t​​o Your Account

   Go t​​o the bike insurance renewal page and sign in with your registered details to access your account.

2. Revie​w Your Policy Details

   Check​​ your current bike insurance policy, including coverage, add-ons, expiry date etc.

3. Update Nec​​essary Information

   If th​​ere are changes like updated contact details or bike modifications, make sure to update them. You can also add or remove add-ons per your needs.

4. Check Re​newal Prices and Discounts

   View the ​​updated premium. Don't forget to factor in benefits like the no-claim bonus for potential savings.

5. Complete ​​Payment and Download Policy

   Pay the renewal premium online through any digital payment mode. Once done, download your renewed policy for uninterrupted covera​ge.

Hero Bike Insurance Renewal Benefits

• Maximise Your No-Claim Bonus (NCB) : Secure attractive discounts on your Hero bike insurance renewal for every claim-free year, saving on premium costs.
• Maintain Continuous Coverage : Timely renewals ensure uninterrupted protection against theft, accidents, natural calamities and third-party liabilities.
• Stay Legally Compliant : Avoid fines and penalties by keeping your third-party bike insurance up-to-date, fulfilling mandatory insurance requirements with ease.
• Enhance Policy Flexibility : Renewal is the perfect time to upgrade your coverage with more than 10 add-ons available with bike insurance plans from Reliance General Insurance.
• Effortless Online Process : With Reliance General Insurance's online renewal platform, enjoy a hassle-free experience for quick and secure renewals.

Documents Required for Hero Bike Insurance

• Bike Registration Certificate (RC) : Your RC is proof of ownership and a vital document for processing your Hero Bike Insurance.
• Previous Policy Details : For bike insurance renewal, sharing your previous policy details ensures you retain benefits like the no-claim bonus (NCB).
• Valid Driving Licence : A valid driving license confirms your eligibility to ride and is compulsory for obtaining the cover.
• Identity Proof : Documents like aadhaar card, PAN Card or voter ID are required to complete the verification process for your Hero bike insurance.
• Address Proof : Provide address proof, such as a utility bill or rental agreement for clear communication and seamless policy processing.

Hero Bike Insurance Claim Process - Cashless & Reimbursement

Filing a Hero bike insurance claim is a simple process, offering both cashless and reimbursement options to ensure a smooth experience. Regardless of which option you choose, you can be confident that the process will be efficient and hassle-free.

Here's how you can proceed:

• Step 1 : Inform Reliance General Insurance's claim department within 24 hours to claim bike insurance. To inform, call +91-22-4890-3008 (paid number) or login to Reliance Self-i app.
• Step 2 : If the bike is stolen, file an FIR (first information report) at the police station and keep a copy.
• Step 3 : Fill out the claims form online and provide the relevant information.
• Step 4 : A surveyor will assess the extent of the damage your bike has suffered.
• Step 5 : After the assessment, the bike insurance claim will be approved. Then you can choose to opt for cashless or reimbursement claims.

Cashless Claims : For a Hero motorcycle cashless claim, visit any of Reliance General Insurance's network garages. Inform the insurer and file your claim, allowing repairs to be carried out without any upfront payment.

The insurer directly settles the bill with the garage, making the entire process seamless.

Reimbursement Claims : If you opt for a Hero bike insurance reimbursement claim, you'll need to pay for repairs at a non-network garage first. Afterwards, submit the relevant documents and bills to the insurer.

Once verified, the insurer will reimburse the approved amount.

How to Choose the Right Insurance Plan for Your Hero Bike?

• Assess Your Coverage Needs Decide whether to go for third-party liability insurance or comprehensive coverage depending on your needs.
• Explore Add-ons for Extra Protection Enhance your coverage with an optional range of 10+ add-ons available with comprehensive or own-damage bike insurance plans.
• Set a Comfortable Budget Find the right balance between premium costs and the level of coverage you need. This ensures that the policy is affordable and provides adequate protection.
• Use Online Tools to Compare Plans Leverage the online premium calculator to calculate and compare the available plans. This can help you make an informed decision that suits your needs.
• Choose a Reliable Insurer Opt for a trusted provider, like Reliance General Insurance, with a strong claim settlement ratio and positive customer reviews to ensure peace of mind.

Hero Bike Insurance Premium Calculator

Hero bike insurance premium calculator is a simple online tool that helps you estimate your insurance premium quickly. By entering details like your bike's model, registration year and location, you get an instant premium estimate tailored to your needs.

This eliminates guesswork and makes it easier to plan your bike insurance.

The calculator also allows you to compare various Hero bike insurance premiums of different plans side by side. This helps you find a plan that fits your budget while offering the right coverage.

With its ease of use, the calculator simplifies the process, making it hassle-free to choose the ideal policy for your bike.

Factors Affecting Hero Bike Insurance Premium

• Bike Age and Model : Newer Hero bikes or those with a higher market value typically result in a higher premium as they may cost more to repair or replace.
• Engine Size : Hero bikes with larger engine capacities generally come with higher premiums, reflecting the increased risk associated with powerful engines.
• Location : If you live in an area with high rates of accidents or theft, it may affect your Hero insurance plan's price, leading to a higher premium due to increased risks.
• Rider's Claims History : A rider with a frequent claim history could face a higher premium, as insurers see this as a higher risk.
• Type of Coverage : Choosing comprehensive coverage will result in a higher premium compared to basic third-party coverage.
• Add-ons : Selecting add-ons, like zero depreciation, personal accident cover etc. will increase your premium, but provide extra protection and peace of mind.

How to Reduce Hero Two-wheeler Insurance Premium?

• Keep a Clean Claim Record : Building a no-claim bonus (NCB) by staying claim-free for successive years can significantly reduce your Hero bike insurance premium.
• Install Anti-theft Devices : Enhance your bike's security by installing features like GPS trackers or alarms. This can help lower your premium because of reduced risks.
• Opt for Higher Voluntary Deductibles : Increasing your voluntary deductible can help reduce the premium as you choose to pay a higher claim yourself.
• Choose Only Essential Add-ons : Select add-ons that are truly necessary to avoid unnecessarily increasing the premium.
• Compare Policies Before Buying : Compare coverage options, premiums and benefits before purchasing or renewing your Hero bike insurance policy.
• Ensure Timely Renewals : Renew your policy on time to avoid coverage lapses and to keep your NCB intact. This also helps in reducing premiums.

Hero Bike Insurance for Different Models

Hero MotoCorp offers a diverse range of motorcycles and scooters tailored to various riding preferences and needs. Here's an overview of some popular models:

1. Hero Splendor Plus : Renowned for its exceptional reliability and fuel efficiency, making it a top choice for daily commuting.
2. Hero Xtreme 125R : A sporty motorcycle that combines performance with style, appealing to enthusiasts seeking an energetic ride.
3. Hero Xpulse 200 4V : Designed for adventure seekers, this model offers off-road capabilities and robust performance.
4. Hero Passion Pro : A commuter-friendly bike known for its comfort and efficiency, ideal for everyday use.
5. Hero Glamour : Combines style with performance, catering to riders who desire both aesthetics and functionality.
6. Hero HF Deluxe : An entry-level motorcycle offering affordability without compromising on quality.
7. Hero Xtreme 160R 4V : A performance-oriented bike that delivers a thrilling riding experience.
8. Hero Karizma XMR: A high-performance motorcycle designed for enthusiasts seeking power and speed.

For detailed specifications and to buy bike insurance, visit Reliance General Insurance's official website.

Hero Bike Insurance Cashless Garages

Hero bike insurance offers access to a wide network of cashless garages, allowing you to get your bike repaired without any out-of-pocket expenses.

Here's why you should take advantage of these facilities:

• Streamlined Claims Process : The garage directly coordinates with your insurance provider, ensuring a smooth and hassle-free experience.
• No Upfront Payments : Hero insurance covers the repair costs, so you won't need to pay anything at the time of service.
• Extensive Network : With numerous authorised Hero cashless garages across the country, finding a convenient location is simple.

To find the nearest Hero cashless garages, use the garage locator tool on the Reliance General Insurance website.

This feature guarantees a seamless process, saving you both time and effort while ensuring your bike is well taken care of.

FAQs

1. What is covered under Hero two-wheeler insurance?

   Hero two-wheeler insurance provides coverage for damages to your bike, third-party liabilities and personal accidents. It also offers add-ons like zero depreciation and roadside assistance.

2. How do I renew my Hero Motocorp bike insurance?

   To renew your Hero Motocorp bike insurance, visit the renewal page on the Reliance General Insurance website and follow the simple steps to complete the process.

3. What is the Return-to-Invoice cover in Hero bike insurance?

   The return-to-invoice cover ensures that if your Hero bike is stolen or damaged beyond repair, you receive the original invoice value of the bike, including the road tax and registration fees.

   This add-on provides additional financial protection, helping you recover the full amount you paid for the bike.

4. What does IDV mean in a two-wheeler insurance policy?

   The IDV is the maximum amount your insurance policy will pay out in the event of a claim.

5. How do I file a claim for Hero bike insurance?

   To file a claim for Hero bike insurance, contact the insurer immediately after the incident. You can choose between cashless or reimbursement claims.

   For cashless claims, visit an authorised Hero garage, while for reimbursement, pay for repairs upfront and submit the bills to get reimbursed. Make sure to provide all required documents for smooth processing.

6. Is Hero bike insurance renewal available online?

   Yes, Hero bike insurance renewal online is quick and hassle-free, allowing you to secure coverage with just a few clicks.

7. Can I make changes while renewing Hero bike insurance online?

   Yes, when renewing Hero bike insurance online, you can update details like your bike's model and contact information, etc. Additionally, you can include any new coverage options.

8. How do I check my Hero bike insurance renewal price?

   Visit the renewal page on the Reliance General Insurance website and log into your account.

   You can check your renewal price, factoring in any no-claim bonuses or discounts you may be eligible for.