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Reviewed by Sonam Sharma:

Sonam Sharma

Assistant Vice President

Experienced insurance professional with 14 years in Automotive risk underwriting , Auto Claim portfolio management, project management, digital transformation and change management.

Two Wheeler Own Damage Insurance

Name: Own Damage Bike Insurance
Brand: Reliance General Insurance
Rating: 4.9 (248 reviews)

Own Damage (OD) helps you stay covered against damage caused to your vehicle due to accidents like fire, theft, etc. In case of an accident, an own damage cover compensates you for expenses to repair or replace parts of your two-wheeler damaged in the accident.

There are many instances that can result in damage to your two-wheeler. For example, you could be heading to work or dropping your child to school on your bike. Out of the blue, another vehicle rams into your bike and it get severely damaged in the process. In such circumstances, a two-wheeler own damage insurance policy will reimburse you for repair-related expenses. You can also get repairs done without paying anything from your pocket at the cashless network garages.

A two-wheeler own damage insurance is a must if you want to protect yourself from the financial burden arising out of the uncertainties from travelling on road. Therefore, investing in one is prudent and financially wise.

Key Features
of a Two Wheeler Own Damage Insurance

Key Features	Benefits by Reliance General
Cashless Repairs	Available across 11,000+ Network Garages^#
No Claim Bonus	Get upto 50% Discount
Claim Process	Quick, 100% Digital, No Paperwork
Add-Ons	Available
Voluntary Deductible	Available
Paperwork	Zero, Online Process

Add-On Covers
for Two-Wheeler Own Damage Insurance

At Reliance General Insurance, we want to make sure our two wheeler insurance holders can secure the best possible protection for themselves. So choose wisely and secure your two wheeler with our assortment of add-on covers for bike insurance.

Nil Depreciation

With a zero depreciation bike insurance add-on, secure your two wheeler against a reduction in the value of parts with age. You will get the parts replaced without feeling the pinch on your wallet.

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

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

Nil Depreciation UIN: IRDAN103RP0002V01201920/A0022V01201920

Daily Allowance Benefit

This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorised network garage for more than 3 days for repairs.

This add-on cover is subject to the following conditions:

Triggered if your vehicles is under repairs due to damages for more than 3 days
Option to choose days & amount
Allowance Limit Rs.5,000/- per day
Lumpsum theft benefit, if vehicle is not recovered ≤ 90 days
2 claims applicable

Daily Allowance Benefit UIN: IRDAN103RP0002V01201920/A0021V01201920

EMI Protection

This add-on covers up to 3 EMIs of your insured vehicle if it is in the insurer's authorised network garage for more than 30 days for repairs.

This add-on cover is subject to the following conditions:

Vehicle EMIs are paid if the said vehicle is under repairs
Payment is directly made to financial institution
Up to maximum 3 EMIs shall be payable
Triggered if repair time > 30 days
Applicable only for partial claims

EMI Protection UIN: IRDAN103RP0002V01201920/A0025V01201920

Helmet Cover

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 an Annual Two Wheeler policy and can be bought as an add-on cover at the time of purchase.

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

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

Please note that the policy:

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

Helmet Cover UIN: IRDAN103RP0002V01201920/A0019V01201920

Ways to Save on
Your Two Wheeler Insurance Premium

No-Claim Bonus (NCB)

If you continue to be a safe and good driver, you're definitely eligible for discounts.

How? Well, if you drive safely, you'll make no claim throughout the year. As a result, you earn yourself a No-Claim Bonus! This bonus can also be transferred over to your new vehicle depending on your preference.

The discount can be accumulated on a yearly basis as mentioned below.

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

Voluntary Deductible

It is a minimum amount that you choose to pay of the claim amount, while we pay the rest. The higher your Voluntary Deductible amount, the lower is your bike insurance premium. Thus, eventually discounting the two wheeler insurance premium.

Please refer to the below table for the calculation of the Voluntary Deductible discount: -

Voluntary Deductible	Discount
Rs. 500	5% on the OD premium of the vehicle, subject to a maximum of Rs 50/-
Rs. 750	10% on the OD premium of the vehicle, subject to a maximum of Rs 75/-
Rs. 1,000	15% on the OD premium of the vehicle, subject to a maximum of Rs 125/-
Rs. 1,500	20% on the OD premium of the vehicle, subject to a maximum of Rs 200/-

What Does Two Wheeler
Own Damage Insurance Cover?

This policy covers the cost of damages to your two wheeler due to:

- Natural calamities like floods, lightening, earthquake, fire and more
- Theft or malicious acts
- Self-Ignition, explosion and more
- Man-made calamities like inundation, vandalism, riots and terror attacks
- Damage to your car or the belongings in the car in case of an accident
- Transit by rail, road, air & elevator

What Does Two Wheeler
Own Damage Insurance Not Cover?

When opting for an own damage two wheeler insurance policy, you must be aware of what benefits you’re missing out on. Let’s take a look at what this policy does not cover:

- Damages to a third party vehicle
- Damage caused to a third party property
- Injuries caused to other people in an accident
- Normal wear-and-tear of the vehicle
- Mechanical and electrical breakdown
- A vehicle being used other than in accordance with the limitations as to use. For example, if you use your two wheeler for commercial purposes
- Damage to/by person driving without a valid driving license
- Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
- Loss or damage due to depreciation of the vehicle's value
- Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered
- 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

Relevant Links for Two Wheeler Insurance

Bike Insurance	Third Party Bike Insurance	Scooter Insurance
Electric Bike Insurance	Bike Insurance Claim	Long Term Bike Insurance
Electric Scooter Insurance	Old Bike Insurance	Bike Insurance Premium Calculator