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Two Wheeler Insurance

Get up to 70% off* on Reliance Two Wheeler Insurance.
Two Wheeler Insurance or Bike Insurance is an insurance policy which provides financial protection to your two wheeler / bike against any damages that may be caused by accidents, natural disasters, theft or any serious incidents. A Two Wheeler Insurance also covers financial losses against any third party liabilities.
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 A​ct, 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
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What are the benefits of Two Wheeler Insurance?

Key Features Benefits by Reliance General
Cashless Repairs 1198 Cashless Garages
No Claim Bonus Upto 50% Discount*
Claim Process Easy Video Claims**
Claim Settlement Ratio 98% Claims Settled (FY 19-20)
Add-Ons 4 Add-ons available
Own Damage Cover Available
Third-Party Damage Cover Upto 1 Lakhs for property damage, Permanent total disability cover​

**Based on internal assessment for the time period April 2019 to March 2020​​

Why Choose Bike​ Insurance?

Our reliance two wheeler insurance has same basic features but it is really about the other benefits that makes it one of the best purchases. These additional features come with a lot of advantages to the buyer and this is why one should choose this policy.

Offerings like Instant Renewal & Easy Claim Process

Reliance has a very easy process for renewal and it could be done online easily. You just need to enter a few details like your vehicles registration number and you can get a quote easily. Also, Reliance provides 24x7 support through telephone and this assistance to deal with the immediate claim is provided to the customer on all days even on the holidays. The application process is pretty simple and also is fast and reliable. The claim process settlement is thus very simple.

Customised Add-On Covers

Reliance offers various add-on covers like Nil Depreciation, Daily Allowance Benefit, EMI protection, Helmet Cover and more which you can choose as per your needs. There is also personal accident coverage inside the plan which gives an additional cover of 15 lakhs for any medical treatments due to accident.

Cashless Facility

Reliance also gives the insurer the benefit of availing a cashless facility at the network garage the number of which exceeds 1198. With this amount, you'll easily be able to find a network garage in a Tier 1 or Tier 2 city near the area you live in. Reliance is known for claim settlement and providing reliable services in the shortest and fastest possible time.

No Claim Bonus

A no claim bonus is a bonus given to policyholders for every year that passes without a claim. The rate of the no claim bonus offered by Reliance is 20% for the first year and 25% for two consecutive years, 35% for three consecutive years, 45% for four consecutive years and finally 50% for the five c​onsecutive years. Also, there is an option of voluntary deductibles which can be chosen by the policyholder to lower the premium amount. A deductible of between 500 to Rs 1500 could be chosen which will lower the premium by 5% to 20%.

Add On Covers for Two Wheeler Insurance

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 (UIN: IRDAN103RP0011V02100001/A0004V01200910)

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
Important points to keep in mind about Nil Depreciation Cover -

The rubber, nylon, plastic parts, and fiber-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
Exclusions under the Nil Depreciation Add-On Cover -​
  • Parts not approved under the Motor Insurance Policy
  • Tyres and tubes​

Daily Allowance Benefit (UIN: IRDAN103RP0011V02100001/A0002V02201415​)

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

EMI Protection (UIN: IRDAN103RP0011V02100001/A0007V01201415​​)

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

Helmet Cover​ (UIN: IRDAN103RP0011V02100001/A0033V01200910​)

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 maxim​​​um 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? 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 ho​w to renew an expired bike insurance policy? Click here to renew expired two wheeler insurance. easily.
Want to purchase Bike Own Damage (OD Only) Insurance? Click here to buy own damage insurance for bike​ easily.

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

Two wheeler policy market has changed dramatically over a few years. There are a lot of features given by the insurers to make sure that their customers retain their policy. Getting bike insurance now is as easy as you can imagine, the process is done online and is hassle-free. Some of the things to know before getting two wheeler insurance are:

Comprehensive and Third Party Liability Only Coverage:

With getting the bike insurance, the person has the option to choose between third party liability only coverage or the comprehensive cover. The liability covers are mandatory by the Indian law but having a comprehensive cover will cover for your own damages as well apart from the third-party damage.

Compulsory Personal Accident Cover:

Bike insurance now have the option to avail person accidental coverage of up to 15 Lakh, earlier it was 1 lakh but recently IRDAI increased the cover to 15 lakhs.

Optional Add-On Coverage:

There are a lot of additional features offered at an extra cost but could be sometimes important and go a long way. It includes coverage from accessories, to spare parts to option to choose to cover accident for pillion riders.

No Claim bonus Transfer:

The no claim bonus could be transferred easily in case a new policy is purchased, the no claim bonus is given to the rider and not the vehicle thus the transfer is easy.

Discounts:

IRDAI approved insurers to give a discount on bike insurance to the vehicles with approved anti-theft insurance, membership of automotive session.

Easy Online Purchase:

With everything going online and through apps insurers can avail the policy and also renew the policy online quickly. This makes it easy for the rider to get the facility right at their home. Since all the details are previously insured in the database online so a lot of verification and paperwork is saved.​

Why is Bike Insurance Necessary?

A two wheeler offers a lot of benefits and convenience to the buyer as they save time and resource. Getting a two wheeler also comes with a set of its own risk and thus getting a third party liability insurance cover is also mandated by the law. Few reasons why two wheeler insurance is necessary are:

Financial Coverage: The condition of the roads in India is not very good and also with that there has been an increase in rash driving cases. An accident can cause a lot of damage to the vehicle and loss of life as well. Loss of money is almost sure in these cases and thus the insurance firm pays for the repair of the vehicle and also covers the medical aid to the injured person. Thus, you can have peace of mind as any any damage to the vehicle will not cost you and not cause any financial trouble if you have a bike insurance.

Mandated by Law: Riding without a valid two wheeler insurance policy is punishable by law. The first thing which makes it necessary to get bike insurance apart from all the other things is that the cover is mandated by the law. Thus, under the Motor Vehicles Act, one must mandatorily at least have a third party two wheeler insurance​

Natural Calamity Cover: A bike insurance policy also has the coverage for damage done through any kind of natural calamity like earthquake and floods. Thus, an insured person can claim under these unforeseen circumstances as well.

Personal Accident Cover: You get a personal accident cover along with two wheeler insurance which helps you stay protected arising from any accidents

Third Party Cover: A third party two wheeler cover protects the person from any kind of legal obligation that may arise due to the accident towards third party. It Covers damage to the third party property or Deat​​h or bodily injury to a third party by the insured vehicle. hird-party cover is mandated by the law which means the bike insurance policy of the insured person will cover for any damage done to another vehicle and the person (Third-Party).

Features of Reliance Two Wheeler Insurance:

We understand the hassle behind buying two wheeler insurance and thus try very hard to make the plans as well as the process as friendly for the buyer as possible. There are a lot of special features offered specifically by Reliance Insurance to make it one of the best purchase sets, take a look at them in some detail-

Paperless: Reliance General Insurance is completely available online and thus the paperless hassle-free facility could be enjoyed. Going paperless has not only made the process easy but has also resulted in saving a lot of resources and easy renewals expanding the scope for the customers. It has also made the process of buying and renewing two wheeler insurance a lot faster.

Long Term Insurance Policy: Reliance insurance is best at providing long protection that is a 3 years policy with a single click. Getting long-term insurance at one go decreases the premium amount while also decreasing the burden off your head of renewing the policy again and again each year.

Renew Expired Policy Without Inspection: Reliance General also gives the benefit of renewing two wheeler insurance policy that has expired without any inspection or paperwork. You can get an expired two wheeler insurance quote online just by filling your bike registration number.

Add-on covers: The list of the two wheeler add-on covers is very long. While getting basic insurance when your insurance does cover for a lot of things but still there are some add-ons which can be taken at an extra cost each of which will add to the level of protection. This could be Personal Accident Bundle Cover, Zero or ​Nil Depreciation Cover and much more.

Discount Offers: If you are new to getting insurance or you have been a long-time customer Reliance has offers for almost all the groups. These exciting offers are win-win for the buyer and thus could enjoy up to a 20-50% discount on getting insurance through Reliance. These discounts could range from No Claim bonus discounts, Voluntary discounts etc.​

What are the different types of two wheeler insurance coverage?

There are two types of two wheeler insurance policies offered by the insurance companies in India. A Third Party Only Bike insurance and a Comprehensive Bike Insurance. Here are two different types of two wheeler insurance policies explained:

Third Party Two Wheeler Insurance

A third party two wheeler cover is something that as the name suggests - protecting the person from any kind of legal obligation that may arise due to the accident towards third party. It Covers damage to the third party property or Deat​​h or bodily injury to a third party by the insured vehicle. Also it is mandatory as per Law.

Comprehensive Two Wheeler Insurance

A Comprehensive two wheeler cover is an insurance policy that apart from covering for the third person also covers for the damage caused to the rider whether to the vehicle or in form of any injury. It shields bike from the incident of fire, any kind of natural calamity and theft as well. Thus, this is a more detailed policy which apart from covering for the third person also covers for damages to your vehicle and thus could be helpful in the long run.

Comprehensive Two Wheeler Insurance vs Third Party Two Wheeler Insuranc

THIRD PARTY LIABILITY COMPREHENSIVE COVERAGE
Covers only th​​​ird ​​party liability​ Covers damage to own vehicle apart from third party liability​
Low premi​um 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 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 ​nil depreciation cover, you can be assured that the entire claim amount will be paid to you without deducting the depreciation sum.​

Benefits of Buying And Renewing Two Wheeler Insurance Online

Motor insurance always comes with a fixed validity after which it needs to be renewed. Now with everything going online, this process has been made a lot easier as the person can get insurance online and as well as can easily renew it. The process can be done both online and offline but the recommended method will be online as the process is a lot easier and paperless. The advantages of buying and renewing bike insurance cover online are:

Time-Saving:

The online process is hassle-free and saves a lot of paperwork thus making the process easier. This saves a lot of effort for going to the office, and filling the forms offline. With everything going online you can register the details anytime and can check these details whenever you need to. The payment would be made online for both buying and renewing and the insured person would receive a copy instantly. This eliminates the need for offline process that is tiring and less efficient.

Safe Process:

Renewing the policy online is always a secure process as all the details will be in front of your eyes and you can read them at your own pace, thus the influence of the middlemen or the agents in the process is very less. In the offline process, the agent tries to convince and the person listens to them and signs the paper which is generally a cause for dispute at the later stage. When you are reading the paper yourself this dispute is almost negligible as you already knew everything in a better way.

Customisation:

This is like an added benefit of buying bike insurance online insurance. One could customise their coverage easily by taking some add-ons which would be visible with all the details when they are renewing or getting a new insurance online. The policy premium amount will be altered depending on these factors and in case of any confusion one can reach to the customer support easily.

Company Switch:

At the time of two wheeler insurance renewal, the features, as well as the company you are getting insurance from, could easily be changed. If you feel that any specific company is providing better coverage the transfer process could be done online very easily. So, it is important to research at the time of renewal.

Transparent Process:

Everything that happens online at the time of buying or renewing bike insurance happens in front of your eyes. While getting the insurance all the details are available online and could read by the person at their own pace to avoid dispute at any later stage

How To Buy/Renew Two Wheeler Insurance Online?

At Reliance General Insurance, we strive to make services better for our customers each day, thus with the buying or renewal process now online anybody can purchase their two wheeler insurance in simple steps. Let's first take a look at the steps to Buy two wheeler insurance online:

To Buy Two Wheeler Insurance Online:

  • On Reliance General's​ two wheeler insurance page, on the left-hand side there is a form in which you need to enter your vehicle registration number, email address and mobile number. All of these details are mandatory
  • After entering these details, you can proceed. Then you need to enter details of your two wheeler model variant, age of your bike and city in which two wheeler is registered
  • Then the premium quotes and different plans will be displayed on the screen. It will have a long list of details with some add-ons and their price quote choose a plan from here
  • You can also contact an agent in case you have any doubts. The agent will guide you through the process completely on the phone. Thus, all of this could be done at home.
  • Once you have finalised your policy and add-ons, you need to enter your personal details and then you can move to the final window of terms and condition after agreeing to which the policy could be purchased after making the payment. The documents will be mailed online, a copy of which will serve for the original purpose

Renew Existing Reliance Two Wheeler Insurance

  • In the same form at the top, you will be asked whether you have an existing policy with Reliance. If you choose 'yes' the form will alter itself and ask for the previous policy number
  • Once you enter the policy number, all the details will be visible on screen, such as: when the policy is expiring, renewal premium amount if you are opting to continue with the same plan
  • You can look at the features and include some add-ons if you wish to make some change otherwise you can continue reading the terms and conditions after which payment is​ to be done
  • The renewed bike insurance policy will be sent online and will serve for the original purpose

How To Renew An Expired Two Wheeler Insurance Policy?

It is common that people tend to forget renewing their bike insurance and after a long time it comes to their mind that their policy has expired. Now even renewing expired two wheeler insurance policy is easy with B? as it can be done without any inspection and paperwork. Also, to save this hassle one could opt for three year long term policy which would save them going through the process again and again.

Steps To Renew Expired Bike Insurance Policy Online Are:

  • On Reliance General's​ two wheeler insurance page you need to enter your vehicle registration number, email address and mobile number, in the form which is on the left side. All of these details are mandatory
  • You will then be needed to fill some details like your two wheeler model variant, age of your bike and city in which two wheeler is registered
  • The payment could be done online once you have finalised the add-ons and other features and the policy would be renewed
  • The documents will be mailed at will serve for the original purpose

You'll get all the benefits from seamless claim settlement process, access to a large network of garages. Thus, the process is very simple and there is no complexity involved. It could be done online in a similar way one buy the bike insurance or renews normal insurance​

Factors That Affect Bike Insurance Premium

There are several factors which affect the premium of a bike insurance policy, let's take a look at some of them:

Coverage: The first and the foremost factor is the coverage types and the level of coverage you are opting for. For example, it is for sure that a third-party two wheeler cover will be cheaper than the comprehensive bike cover because comprehensive insurance covers for a lot more.

IDV: This is the value that we find by estimating the market value of your vehicle at the time you are getting the insurance. If the market value of your motor vehicle is lower the IDV will be fixed at a lower amount and thus you will be paying less premium.

Age of the Vehicle: The age of the bike is inversely proportional to the market value of the vehicle and thus it is related to IDV. Older vehicle means lower IDV and thus lower premiums. ​

Make and Model of your bike: Now if you own a basic bike, the premium amount will also be lower but with higher variants and models the premium amount will increase. This is simply because insurance companies will pay for claim amount for insured vehicle not for repair

Security systems: This is a lesser-known factor but if you have installed any component which increases the security of your two wheeler then the insurer will take a positive view of this change and will provide a lower premium amount. An example of this would be installing an Anti-Theft Device on your vehicle.

No Claim Bonus: This is a reward given to the insured for every year that passes without filing any claim. Making a claim can lose you out the IDV and this bonus. Thus, it is advised not raising a claim for very minor damages which could be covered as No Claim Bonus is a big benefit.

Geographical location: The place where the person will be riding their bike will make a difference to the premium amount as paces like metropolitan cities where traffic is heavy are at higher risk of getting into an accident. The premium amount will thus increase with the exposure to risk.

Age of the Insured: Younger riders are known to have higher risk thus have to pay more premium than a middle-aged person. Hence more the age of the insured person the lesser will be the premium amount

How To Calculate Two Wheeler Insurance Premium Online?

Here are the steps to calculate two wheeler insurance premium online on Reliance General Insurance:

  • On the left side of the two wheeler insurance page, there is a form in which you need to enter your vehicle registration number, email address and mobile number. All of these details are mandatory
  • After entering these details, you need to enter details of your two wheeler model variant, age of your bike and city in which two wheeler is registered
  • Upon entering all the details you can click on 'Check Our Prices' and then the premium quotes and different plans will be displayed on the screen. It will have a long list of details with some add-ons and their price quote choose a plan from here

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-tea​r 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​

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

How To Claim Your Reliance General Bike Insurance Online?

With Reliance general insurance the claiming process for two wheeler is pretty simple. It could be done in two ways either through the cashless facility at the garage or by claiming for the reimbursement. In both the cases if the claim is correct the amount is fully paid as promised but it is important to know the difference between the two processes:

Cashless Claim

This is the case when the person goes to a network garage and they do not pay upfront all the costs that are insured. The insurance company pays for the insurance liability directly to the repairer. Customer pays only the difference amount and takes vehicle delivery.

Reimbursement Claims

In this type of claim, you will have to pay for the repairs and keep the bills so that later a claim could be filed with Reliance General.

The basic process for filing a two wheeler insurance claim is as follows:

At the time of the accident, it is important to be attentive about the details and look for the time at which accident occur. Also, it would be great to have some witness and to click some photo or take some videos at that time.

The next step is to file an FIR at the nearest police station. The police will fill in the details of the accident in the FIR which will be used when filing a claim. There is no mandatory requirement of filing a FIR for all claims. It is only required in malicious case or if there is any TP death or injury involved. After this, the team will contact you and ask you for the details and you may have to visit the office to present these details and document like policy paper and FIR papers.

There can be several different scenarios that may demand the need to claim a bike insurance policy, such as theft and natural calamity. However, here are the steps to file a bike insurance claim with Reliance General Insurance:

  • Call toll-free number +91 22 4890 3009 to register a claim.
  • You have to take the two wheeler to your nearest garage for the repair. However, to avail cashless benefit, RGI network garages can be utilized.
  • Then a survey will happen and you will have to submit required documents for the claim.
  • Our agents will confirm the liability after the inspecting the damage
  • In case of a cashless facility, you are advised to get the vehicle repair at any of the network garages in your city, and we will settle all the bills directly with the garages up to the payment amount, based on the policy.
  • If you do not opt for a cashless facility then you will have to pay for repairs at the moment, and later can submit the bills and claim form to us for the reimbursement.
  • Vehicle delivery​

For motor claims, we have also come up with Reliance Self-i App​ where you can intimate the claims instantly. Moreover, you can now have a live video call with our claim experts and be informed about the status in real time.

Terms and con​​ditions apply. *Details mentioned are for the product- Reliance Two Wheeler Package Policy.Upto 7​0% 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.​ ​**Subject to terms and conditions.​​

Disclaimer: 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.​

Note: Discount of upto ​​70% and the add-on covers mentioned here are applicable for the Annual Two Wheeler Insurance policy only.

Two Wheeler Insurance FAQ

Q. Why do I need to insure my two wheeler?

Ans. 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.

Q. What is an endorsement? What is premium and non-premium bearing endorsement?​​

Ans. 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.

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

Ans. 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.

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

Ans. 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
Q. What to do if my two-wheeler is stolen?​​

Ans. 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.

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