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Bike Insurance Online

Switch to Reliance Bike Insurance. Trusted by 3 Crore+ Indians.

Bike insurance policy online

Bike Insurance Online

Switch to Reliance Bike Insurance. Trusted by 3 Crore+ Indians.

Bike insurance policy online

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What is
Two-wheeler Insurance?

Your bike is always at risk of accidents, breakdowns, fires and many other imaginable mishaps on the road. These scenarios can be the reason for financial losses in the form of repairs and even hospitalisation. How you do protect yourself from these financial losses? Simple. With a two-wheeler insurance policy. A two-wheeler or bike insurance is designed to offer you reimbursement for losses you face on the road like accidents or injuries. It’s the perfect foil for financial problems that a bike accident could cause.

Under the Motor Vehicle Act 1988 along with its amendments as notified from time to time, it is mandatory for all bike owners in India to have at least a third-party liability insurance. Third-party bike insurance is the minimum level of coverage required by law, but it does not provide protection against things like theft, fire, and natural disasters.

There are three main types of bike or scooter insurance: third-party, comprehensive, and own damage. Third-party bike insurance is the minimum level of coverage required by law in India, and it covers you in the event that an accident occurs that injures another person or damages their property. If you are found without bike insurance, you may be subject to a fine of up to Rs.2000.

Comprehensive 2-wheeler insurance is not required by law, but it provides additional protection against things like theft, fire, and natural disasters. Own damage bike insurance covers damage to your own motorcycle, regardless of who is at fault.

So, insure your two-wheeler with Reliance General Insurance today.

What is Two-wheeler Insurance?
Need a Two-wheeler Insurance Policy?

If you own a two-wheeler, then bike insurance is an important requirement, and we at Reliance General Insurance are committed to providing the best coverage at affordable prices. Our products come with some of the key benefits like:

  • Provides financial protection against damages caused by accidents, theft, fire, or natural calamities. Suppose your bike is stolen. In that case, we will reimburse the market value of your bike as mentioned in the policy documents.
  • Helps you save on repairs and maintenance costs. Suppose you have a comprehensive two-wheeler insurance policy. In that case, you will be reimbursed for the cost of consumables and emergency medical expenses incurred due to an accident.
  • Gives you peace of mind while driving. You can focus on enjoying the ride without worrying about any unforeseen events.
  • Offers additional protection with add-on covers such as Consumable Cover and Personal Accident Cover. Note that a standard comprehensive two-wheeler insurance policy will not cover consumables and medical expenses without these add-ons.
  • Reduces your legal liability in case of third-party property damage or bodily injuries. Suppose you are at fault in an accident, in that case, your bike insurance policy will cover the repair/replacement costs of the third-party property damaged in the accident and also any medical expenses incurred by the third party due to bodily injuries.

Understanding what Reliance
Two-wheeler Insurance Offers

Accidents

Accidents:

In case of an accident, our bike insurance will compensate you for any work that goes into repairing your vehicle.

Theft

Theft:

If your bike is stolen, we will reimburse you the market value of the bike at the time of theft. This includes both housebreaking and burglary.

Natural Calamities

Natural Calamities:

In case of natural calamities such as floods, earthquakes, or landslides, we will cover the damages caused to your bike.

Fire Explosion

Fire Explosion:

If your bike catches fire or explodes, your policy will cover the cost of repairs or replacement.

Personal Accident

Personal Accident:

Personal accident covers the insured in case he/she suffers any injury, disability and death due to an accident.

Third Party Liability

Third Party Liability:

In case you are held responsible for any damage to third-party property or injury to a third-party person, we will provide coverage.

Depreciation

Depreciation:

Depreciation includes general wear and tear or an overall decline in the value of your two-wheeler. Right from the time your bike leaves the showroom, it depreciates in value and every year it depreciates even further.

Mechanical/Electrical Breakdown

Mechanical/Electrical Breakdown:

Mechanical or electrical breakdown of the bike is not covered under bike insurance online policies.

Illegal Driving

Illegal Driving:

Illegal driving such as driving without a license, driving under the influence of alcohol or drug is not covered.

Why Choose Reliance
Two-Wheeler Insurance?

We, at Reliance General Insurance, understand the importance of bike insurance, and that’s why we are committed to providing the best coverage that will benefit you if you ever face an unfortunate incident on the road with your two-wheeler. Our bike insurance plans are among the affordable ones in the market available and we have made it quick and easy to purchase a policy online. Plus, our policies are customisable (this depends on the product category and its terms and conditions), so you can choose the coverage that best suits your needs

Take a look at some of the features that our product offers.

  • Discounts Offered

    Discounts Offered

    Whether you are a new customer or are looking to buy two-wheeler insurance again from Reliance General Insurance, we have tailoured plans for all groups with exciting discounts to offer you. Based on the two-wheeler insurance online, you can leverage 20-80%** off on the premium. This includes No Claim Bonus discounts, Voluntary Deductible, and more. 

  • Add-On Covers

    Add-On Covers

    Add-on covers are always beneficial as they give you an opportunity to enhance your bike insurance online. You can avail various add-on covers such as engine protector, pillion rider cover, personal accident bundle cover, nil depreciation cover, zero depreciation cover, and more from Reliance General Insurance.

  • No Inspection Renewal Policy

    No Inspection Renewal Policy

    Renew your bike insurance online without any hassles that frees you up from your busy schedule. We have a no-inspection renewal process for select plans that allows you to renew your policy online without having to go through the hassle of getting your bike inspected. Just a few clicks and you're done!

  • Long-term Policies

    Long-term Policies

    It is not just about two-wheeler insurance renewal but also about being future-ready. At Reliance General Insurance, we offer long-term two-wheeler insurance online plans that have a policy tenure of up to 36 months. This means that you can save on the premium and renew your policy once every three years instead of annually. This frees up your time and gives you one less thing to worry about.

  • Cashless Transaction

    Cashless Transaction

    Not only is our buying and renewal process quick and easy but you also have the benefit of getting your claims processed by not paying a single rupee from your pocket. This is possible with the help of our wide network of garages with whom we have partnered with to make repairs and claims easy for you. Moreover, you can be sure of your claim being processed because we at Reliance General Insurance have an excellent track record when it comes to our claims settlement.

Key Features
of Reliance Two Wheeler Insurance​

Key Features Benefits
Third Party Damages Covers personal accidents, third party injuries, and property damages
Own Damage Cover Covers accidents, fire & explosion, theft, and calamities
No Claim Bonus Up to 50%**
Discount Up to 80%**
Two Wheeler insurance Premium Starts at ₹19/month*
Personal Accident Cover Up to ₹15 Lakhs
Cashless Garages 10,000+ Network Garages#
Add-on Covers 10+ Add-on Covers

Add-On Covers for
Two Wheeler Insurance Policy

Reliance General Insurance provides a variety of unique bike insurance online add-on covers that you can avail to get complete protection for you and your bike. Some of our most popular add-on covers are:

Consumables Expenses

Consumables Expenses

Consumable expenses are those that are required to keep your bike running smoothly. These include engine oil, coolant, brake fluid, chain lube, etc. With this add-on cover, we will reimburse you for the cost that is required to replace these consumables from an accident, provided you get your repairs done at an authorised garage and up to a certain limit.

Additional Third-Party Property Damage Cover

Additional Third-Party Property Damage Cover

As the name suggests, this add-on cover provides additional protection for any damage caused to third-party property. The limit for this cover is higher than the standard limit under third-party liability insurance. This is very useful in case damages done to a third-party are of high value and needs more cover than is usually included in a third-party policy.

Additional Personal Accident Cover

Additional Personal Accident Cover for the Owner-Driver

This add-on cover provides additional protection in case of accidental death or disability. The limit for this cover is higher than the standard personal accident cover. This cover can safeguard you and your family in the event of fatality or serious injuries caused by an accident.

Emergency Medical Expenses

Emergency Medical Expenses

If you or your pillion rider sustains injuries in an accident, this add-on cover will reimburse the emergency medical expenses up to a certain limit, including the ambulance costs. We will reimburse the expenses regardless of the hospital or doctor you choose. No matter if the accident happens when you were travelling in the bike or getting off or getting on the bike you’ll be getting compensated for the hospitalisation expenses with this cover.

Return-to-Invoice Cover

Return-to-Invoice Cover

If your bike or two-wheeler has been stolen or severely damaged, our return-to-invoice cover will help you get the invoice cost of your vehicle.

Depreciation Allowance

Depreciation Allowance

Depreciation allowance is a bumper-to-bumper cover that helps you beat depreciation at the time of filing a claim for the repair/replacement of your vehicle's parts. This works by reimbursing the depreciation when depreciation is deducted from the claim amount.

Compare Reliance
Two-wheeler Insurance Plans

Covers Under Two-wheeler Insurance Online

Third-Party Two-wheeler Insurance

Comprehensive Two-wheeler Insurance

Own Damage Two-wheeler Insurance

Customisation of bike value (IDV)
No hefty fines are levied if a valid policy in place
Injury to a third-party person
Damage to third-party vehicle / property
Choice of add-ons – Zero
Depreciation and Emergency Assistance
Personal Accident Cover of Rs. 15 Lakhs (Optional)
Damage due to events like – Fire, theft, riots, etc.
Damage due to natural calamities – Earthquake, cyclone, floods, etc.

Two-wheeler Insurance Terms
You Should Know

    • Premium: The premium is the amount you have to pay for your two-wheeler insurance policy. It can be paid on a monthly, quarterly, or yearly basis.
    • Coverage: Coverage is the amount of money the insurance company will pay in case of an accident or theft.
    • Deductible: The deductible is the amount you have to pay out of your pocket before the insurance company starts paying.
    • Add-on Covers: Add-on covers are optional and will provide you with additional coverage. Some of the popular add-on covers include nil depreciation, engine protector, and more.
    • Cashless Claims: With a cashless claim, you can get your bike repaired at any of the network garages of the insurance company without having to pay anything out of your pocket.
    • Consumables: Consumables are items that need to be regularly replaced and include things like engine oil, brake pads, etc.
    • No-Claim Bonus (NCB): If you do not make any claims during the policy period, then you will be eligible for a no-claim bonus at the time of renewing your policy. This discount can go up to 50%.
    • Personal Accident Insurance: Personal accident insurance is an add-on cover that will provide you with financial assistance in case of an accident.
    • Third-Party Liability: Third-party liability insurance is mandatory in India and will provide coverage if you accidentally damage someone else's property or injure them while riding your bike.
    • Policy Period: The policy period is the duration for which your insurance policy is valid. It is typically one year and can be renewed after it expires.
    • IDV: IDV or Insured Declared Value is the maximum amount that will be paid by the insurance company in case of an accident or theft.

How to Save on
Two Wheeler Insurance Premiums

  • Check Bike Premium Quotes

    Check Different Premiums

    Compare prices of different insurance providers before finalising one. Your best chance of finding the most economical two-wheeler quote is if you do an online search.

  • Raise Your Deductible

    Raise Your Deductible

    You can pay a certain amount towards your claim to reduce your premiums. This is known as a deductible. If you choose a higher deductible, your premiums become lower leading you to pay less.

  • Install Anti-Theft System

    Install a Security System

    Your premium amount is reduced if you install a safety device approved by the Automobile Association of India (AAI). An anti-theft device lowers the chance of your two-wheeler getting stolen thus reducing your risk.

  • Claim Your NCB Discount

    Claim Your NCB Discount

    The No Claim Bonus (NCB) is a discount offered on your two-wheeler insurance premium for not making a claim during a policy period. You can save up to 50%** on your renewal premium if you don’t make any claim in five consecutive years.

  • Use AAI Benefit

    Become an AAI Member

    Motorcycle organisations like AAI offer discounts to their members towards two-wheeler insurance premiums. If you get a membership of the Automobile Association of India (AAI), then you can avail a discount on your premium.

Note: You can unlock substantial savings on your premium with our array of insurance discounts, such as No Claim Bonus of up to 50%**, Antitheft discount of up to 10%**, Automobile Association of India Membership discount of up to 5%** and Renewal Discount of up to 10%**.

How to file a
Two-Wheeler insurance Claim?

  • Register Claim

    Register Claim

    Your first step is to intimate us of the claim by calling us on +91 22 4890 3009 (Paid) or logging into the Reliance Self-i App. Note that the garage can also register the claim on your behalf using our Garage Portal once your two-wheeler is reported to the garage.

  • Submit Documents

    Submit Documents

    You have to submit all the relevant claim documents to the claims department. Next we’ll have someone to survey your vehicle. In case of theft, you have to submit an FIR.

  • Claim Acceptance

    Claim Acceptance

    Once the relevant documents are submitted and the surveyor inspects your vehicle, your claim will be evaluated and approved by the claims team.

  • Claim Settlement

    Claim Settlement

    After approval, you'll either get your cashless or reimbursement claim processed by the claims department.

Documents Required
for filing a Claim for Your Bike

The list of documents required to avail online insurance for your two-wheeler is given below:

    • Registration Certificate (RC): It is the most important document as it is required to verify the bike's details such as make, model, engine capacity, etc.- In case of a low speed EV’s (electric two wheelers without number plates) – We require the purchase invoice of the vehicle mentioning the Chassis number.
    • Driving license: You will have to submit a copy of your driving license at the time of buying/renewing your insurance policy.
    • Claim Form: Duly filled claim form to be signed and submitted by the insured mentioning correct details of the accident. We have an OTP based digital claim form as well that can be utilised by insured to complete claim process.
    • FIR copy (in case of theft): In case your bike has been stolen, then you will have to submit a copy of the FIR filed by you at the police station.

Document Required
During Claim Process

Here is a list of documents required during your two-wheeler claim process:

    • Estimate from the garage (in case of an accident): In case your bike has met with an accident, then you will have to submit an estimate from the garage for the repair/replacement of parts.
    • Discharge voucher and hospital bills (in case of third-party bodily injury): In case the third party has suffered bodily injuries in an accident caused by you, then you will have to submit the discharge voucher and hospital bills for the treatment availed by them.
    • Repair bills (in case of own damage): In case your bike has suffered damages due to an accident or any other reason, then you will have to submit the repair bills incurred by you.
    • Current year's insurance policy documents: You need to submit your current year's insurance policy document.to us so that we can process your claim.
    • No Claim Bonus (NCB) declaration: If you are renewing your bike's insurance policy and have not made any claims during the previous policy year, then you will have to submit an NCB declaration form.
    • ID proof: You will have to submit a copy of your pan card/Aadhaar card/voter ID card/passport as proof of identity.
    • Address proof: You will have to submit a copy of your ration card/Aadhaar card/passport/utility bills as proof of address.

Top 7 Factors that Affect Your
Two-Wheeler Insurance Premium

The final premium amount of your two-wheeler is always a result of many factors. These factors, as you will see, is linked to the specifics of your bike and connected to yourself as the owner/driver too. Below we list out in detail what factors affect your bike insurance premium.

Type of Insurance Policy

Type of Insurance Policy

There are three types of bike insurance you can buy. It can be a third-party bike insurance policy, a comprehensive bike insurance policy, or an own damage two-wheeler insurance. A third-party bike insurance policy is mandatory by law and covers damages caused by you to the third party. A comprehensive bike insurance policy, on the other hand, covers both own damage and third-party liability. Moreover, own damage bike insurance policies are of two types - with and without depreciation. The own damage two-wheeler insurance covers damages caused to your bike, irrespective of who is at fault. Your insurance premium will fluctuate depending on what type of policy you purchase.

Type of Bike

Type of Bike

The premium for your bike insurance policy will depend on the type of bike that you own. For example, if you own a sport bike, then the premium will be higher as compared to a standard motorcycle. This is because sports bikes come with a higher engine capacity which makes more powerful and faster that exposes it to a higher risk of accidents. Morever, sports bikes are likely to have expensive parts which will cost higher to replace if damaged. Thus, the type of bike you’re getting insured directly affects your insurance premium.

Cubic Capacity

Cubic Capacity

It is the engine capacity of your bike expressed in Cubic Centimeters (cc). The higher the cc, the higher will be the premium. This is because the cc is an indicator of how much power the bike will produce. The more a bike can produce power the faster it can go. The faster it can possibly go the higher the chance of accidents and other misfortunes. Therefore, a higher or lower cc affects your insurance premium in a tangible way.

Risk Evaluation Based

Risk Evaluation Based on Driver's Record

Your age and past record plays a major role in your insurance premium. We will check your driving record before finalising the premium. This will involve reviewing your age and gender. For example, if you are in your early 20s and just got your license, the premium you have to pay will be higher compared to someone who is middle-aged and has years of driving experience. Since those who are experienced are less prone to get into accidents as compared to someone who just started out riding a bike.

The Market Value

The Market Value of the Bike

The premium you have to pay will also be based on the current market value or Insured Declared Value (IDV) of your bike. The market value depends on the brand and functionality of the vehicle. The newer your bike the higher will be the IDV which leads to a higher premium. As years pass and your bike or scooter gets older, the value depreciates and brings down your IDV. In that case, your bike’s insurance premium amount will be lower.

Modifications Done on Bike

Modifications Done on Bike

If you have made modifications to your bike, then it will also be considered while finalising the premium. Some people install expensive parts and accessories for better performance and looks. This will result in a higher premium as the bike will be considered more valuable. Also expensive parts and accessories mean that replacing them will cost higher thus causing your premium amount to go higher.

Add-on Covers

Add-on Covers

You can also opt for add-on covers to get additional coverage. Some of the popular add-on covers you can opt for are nil depreciation, roadside assistance, engine protector, and pillion rider cover. While these add-ons enhance your coverage and give you more protection, it also leads to a higher premium amount.

How to
Renew an Expired Policy?

You can renew your bike insurance policy either through the Reliance Self-i App, by visiting the Reliance General Insurance website or by calling us at +91 22 4890 3009 (Paid).

Here are some quick steps to renew your two-wheeler insurance online:

  1. On our Reliance General Insurance website, head to the Two Wheeler Insurance section.
  2. Enter the details of your two-wheeler and check insurance policy renewal quotes.
  3. Fill in and submit details such as name, email, car’s registration number, insurance policy number, policy expiry, previous claim details etc. Fill in and submit details such as name, email, bike’s registration number, insurance policy number, policy expiry, previous claim details, etc.
  4. Select a two-wheeler insurance renewal plan from the available options and the required add-ons.
  5. If you have gone claim-free in the previous year, enter your No Claim Bonus.
  6. After filling in the required details, make the premium payment, and your bike insurance policy will be renewed pronto.

Benefits of
Bike Insurance

The road to the enjoyment and convenience of a two-wheeler is littered with dangers. This can be in the form of accidents, natural disasters, civil unrest and more. In such times, the only way to protect yourself financially from these loss-incurring events is by having a two-wheeler insurance. There are many benefits when you buy bike insurance online from Reliance General Insurance. Here are some of the key benefits are:

Provides financial protection

Provides financial protection

In the event of a loss incurring event like accidents, theft, fire or natural disasters, you can secure yourself financially against such losses with a bike insurance. For example, your bike is stolen and you reach out to our claims department. In that case, once the claim is approved, we will reimburse the current market value of your bike as mentioned in the policy documents. It gives you peace of mind while driving. You can focus on enjoying the ride without worrying about any unforeseen events.

Helps you save on repairs

Helps you save on repairs

A bike insurance policy will cover you for repairs that are a result of an accident. Also, in case you get hospitalised, you get reimbursed for the hospitalisation expenses (available as an add-on). Suppose you have a comprehensive bike insurance policy. In that case, you will be reimbursed for the cost of consumables and emergency medical expenses (both available as add-ons) incurred due to an accident.

Add-on Covers

Add-on Covers

With a Reliance Two Wheeler Insurance, you get additional protection with add-on covers. Add-ons give you that extra protection which is not available in the standard policy. You can customise your bike insurance policy by adding one or more add-on covers to get complete protection against all eventualities. Some examples of add-on covers are Nil Depreciation, Consumable Expenses, Return-to-Invoice, etc.

Reduces your legal liability

Reduces your legal liability

In case of third-party property damage or bodily injuries, your two-wheeler insurance policy will cover you for the related expenses. Suppose you are at fault in an accident, in that case, your bike insurance policy will cover the repair/replacement costs of the third-party property damaged in the accident and also any medical expenses incurred by the third party due to bodily injuries.

Things to Keep in Mind Before Buying a
Two-Wheeler Insurance Policy Online

There are a few points to keep in mind before you purchase that two-wheeler insurance plan. This will help you decide what best suits your needs. So keep these in mind before you buy a bike insurance plan online:

Type of Policy

Type of Policy

Selecting the type of policy will affect your premium amount and the coverage you get. There are three types of two-wheeler insurance policies that we offer. They are the third-party liability policy, stand alone own damage policy and comprehensive bike insurance policy. The third-party policy covers only third-party damages, the own-damage covers damage done to your own bike and a comprehensive policy covers both. So pick a plan that suits need (a third-party policy is mandatory so it’s a choice between own-damage and comprehensive).

Premium Amount

Premium Amount

The premium amount is what you pay towards your insurance policy to activate it and avail its benefits for the policy year. Your bike insurance’s premium amount is affected by a variety of factors including make and model of your two-wheeler, registration year, add-on covers, any modification or accessories you installed and your driving record. So based on these factors your premium amount is quoted and it should help your decision on what type of bike insurance you should buy.

Network Garages

Network Garages

A network garage is a garage that we as an insurance company have partnered with. Any garage we’ve partnered with offers our customers cashless repairs which effectively means you don’t have to pay anything from your pocket. So an insurance company, like Reliance General Insurance, that has a wide network of garages will make it easier for your to repair your two-wheeler without paying a single rupee from your pocket.

Claim Settlement Process

Claim Settlement Process

There are two ways your claim can be settled. One is via the cashless route through our network garages and the other is by reimbursement where you get repairs done at a non-network garage and then get your expenses reimbursed through our claims team. If the steps to filing a claim are few, like how it is at Reliance General Insurance, then your settlement is processed quicker. Moreover, the claim settlement ratio, that is, the number of claims an insurance company has processed versus the number of claims they've received, is an indicator of the likelihood of your claim being processed. Getting your two-wheeler policy from an insurance company like Reliance General Insurance with an excellent claim settlement ratio helps you in the long run.

Find your Nearest Cashless Garage

Find nearby garages

Two Wheeler Insurance

I bought a motor insurance for my vehicle through phone pay. At the time of purchase I haven't faced any kind of problem related payment & policy details. After paying the premium we received policy copy within few minutes. I choose Reliance General Insurance because the customer experience is simply amazing.

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Suneel Kumar S

“Customer experience is simply amazing.”

4 July 2022, Andhra Pradesh

Reliance General Insurance have a very good web chat team. I got quick response from your team.My concern got acknowledged, and request was taken for correction. Web chat platform is easy to connect. I will always prefer this platform.

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Maira Khan

“Endorsement”

22 January 2022, Mumbai

I had an excellent experience interactiong withBrobot. The entire process was so smooth to download the policy soft copy via link which is shared by brobot. It was there for me all the time and guided me at every step of the till the process was completed. Glad to have the best bike plan at low cost from Reliance.

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Mr. Sathish S

“Policy Soft Copy”

6 December 2021, Tamil Nadu

I purchased my motor insurance policy online. Your website is nice and updated. We can download policy whenever we want and very easily. Other service options available on website are very good and easy to access. It saves a lot of time as we get required details available on website.

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Ms. Lennet Cardozo

“Print Policy”

4 November 2021, Goa-South

Reliance is very good company. I have recently got a two-wheeler insurance policy from the website of the reliance and I am happy that my two-wheeler is safe and secured. Thank you reliance. Website is easy to use and to access all the information.

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Mr. Imran Khan

“Print Policy”

4 November 2021, Thane

It was very easy to purchase two wheeler insurance online. I received the insurance copy for my bike instantly.

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Tarun D

“Good deals for buying two wheeler insurance”

20 January 2020, Dhanbad

Frequently Asked Questions
on Two Wheeler Insurance

  • You should get your bike or scooter 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. Moreover, the Motor Vehicles Act 1988 makes to mandatory for all vehicle owners to have a valid third-party insurance policy.

  • There are three types of two-wheeler insurance: Third-Party Insurance, Stand Alone Own Damage and Comprehensive Insurance. Third-party insurance protects you against losses, which occur due to bodily injury or death to a third party or any damage to that person’s property. It is mandatory, by law, to have third-party insurance. Own damage insurance protects you against losses to you, your vehicle and co-passengers. A comprehensive insurance provides own damage cover in addition to third party coverage.

  • You can insure only private two-wheelers, i.e. you can get a bike or scooter insurance online.

  • Zero documentation is required to buy a two wheeler insurance policy online. This makes things really simple.
    However, you will have to provide details like:

    • Registration number
    • Engine number
    • Chassis number
    • Previous policy number (if you have any)
    • Vehicle manufacturing date (mm/yy)
    • Date and city of purchase
    • You contact details (address, mobile no. and email ID)
    • You should also have a copy of your vehicle’s RC book.
  • The biggest benefit an online platform offers you is the ability to make any purchase decision in a simple and convenient manner. Since everything is online you can easily compare the policies that we offer and make decision based on the available coverage and your needs. 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, our online insurance portal and mobile app 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., Engine Number, bike’s make ans model, 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 Two Wheeler own damage and comprehensive insurance 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 policy term, you get a discount on your scooter/bike insurance ​premium in the following next policy 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, 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.

  • Besides the fact that the bike insurance policy protects you against financial losses, it is also illegal to drive a bike with an expired insurance policy. So, bike insurance renewal must be done before the expiry of the existing policy, so the policyholder can enjoy uninterrupted coverage and stay on the right side of the law.

  • As a practice, Reliance General Insurance send reminders to our customers before the policy expiration. But if you still miss the deadline, you can renew it even after expiry. However, it’s crucial to know that if you delay it more than 90 days, you will lose your No Claim Bonus and will end up paying more in insurance premiums. Also, a delayed renewal would lead to a fresh inspection of the bike, which might reduce its Insured Declared Value (IDV).

  • Yes, if you get an anti-theft device installed on your bike that is certified by the Automotive Research Association of India (ARAI), you are eligible for discounts on premiums as it reduces the risk factor for the insurer.

  • The premium of a bike insurance policy depends on factors like the type of the insurance one is opting for, the IDV the person wants, the age, make, model of the bike, and the age and geographical location of the person seeking the policy.

  • Yes, as per the Motor Vehicles Act, it is mandatory to have a Third Party bike insurance that will cover third-party liabilities. However, we recommend you take a Comprehensive insurance plan that will cover not only third-party damages, but also damages and losses to your own vehicle.

  • If you sell your two-wheeler, the insurance policy needs to be transferred from your name to the new owner. You also have the option to cancel the existing policy at the time of selling. However, you can transfer the No Claim Bonus accumulated in your policy to your name which can be used for your new bike.

  • In case of minor repairs, it is better not to make a claim. This way, you will be rewarded with a No Claim Bonus which is a discount on your premium amount at the time of renewal for not making any claims during the policy period.

  • Yes, the Reliance General Two-wheeler Insurance coverage is valid pan India.

  • Go to www.reliancegeneral.co.in and log in to your profile. A soft copy of your policy document will be available for download. A print out of this document will serve as the original policy document.

  • If you have a two-wheeler on loan, then it is advisable to have comprehensive insurance. This covers you for damages done to your two-wheeler and a third-party’s too.

  • 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.

  • Yes, you can cancel your bike insurance policy during the policy tenure. However, there will be no refund of the premium amount.

  • You can make changes to your two wheeler insurance only in the following cases: Either the name, registration number, engine number, chassis number or model number has to be corrected.

    • There is a change or correction of your address
    • There is a change in vehicle, RTO or registration
    • There is an addition of electrical / non-electrical accessories and / or addition or change of hypothecation.
    • There is an NCB recovery or change.

    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:

    • Accident
    • Fire
    • Lightening
    • Self-Ignition
    • Explosion
    • Theft
    • Riot & Strikes and / or Malicious Acts
    • Terrorism
    • Earthquake
    • Flood
    • Cyclone
    • Inundation
    • Transit by Rail, Road, Air and Elevator

    We recommend that you opt for a Third-Party Liability Cover because it is 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:

    • Total Cover
    • Nil Depreciation
  • The risks that we don’t cover in this policy are as follows:

    • Normal wear-and-tear of the vehicle
    • Mechanical and electrical breakdown
    • Vehicle being used other than in accordance with the limitations as to use. For example, if you use your two-wheeler for remuneration 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 claim.
  • Third-Party Cover is mandatory in India, so you have to purchase one when you get your two-wheeler. A Third-Party Liability policy 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, whether you are driving or otherwise.

  • You can claim the PA cover only if the Motor Insurance Policy:

    • is in your name and you are the registered owner of the vehicle.
    • has an owner-driver, paid-driver or unnamed passenger cover.
  • 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:

    Vehicle Age % of Depreciation
    > 6 months 5%
    < 6 months but > 1 year 15%
    < 1 year but > 2 years 20%
    < 2 years but > 3 years 30%
    < 3 years but > 4 years 40%
    < 4 years but > 5 years 50%
  • 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:

    • Total Cover
    • Nil Depreciation
    • Voluntary Deductible
  • Voluntary deductible is an amount that you agree to pay towards a claim before we as 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.

    You 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.

    Voluntary Deductible Amount 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. 1000 15% on the OD premium of the vehicle, subject to a maximum of Rs. 125/-
    Rs. 1500 20% on the OD premium of the vehicle, subject to a maximum of Rs. 200/-

    *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: Avail repairing costs of fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts Please note that we cover only private 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.

  • Yes, 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:

    • 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
  • Online payments definitely make life easier. At Reliance General Insurance, you can pay your policy premium in following ways:

    • Credit Card
    • UPI
    • Netbanking
    • Debit Card using ATM PIN

    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 (Paid Number: +91 22 48903009)

    You can also directly register your claim online. Click here to download the form.

    You can also register your claim through our Selfi App or RGI website. Additionally, claim registration can be done by the garage on behalf of the insured if the vehicle has been already reported to the garage.

  • Here’s a list of document you should keep ready while making a claim.

    Accident Damages:

    • Completed claim form
    • Proof of Insurance - Policy / Cover Note copy
    • Copy of Registration Book
    • Copy of Driving License
    • Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
    • Repair bills and payment receipts after the job is completed
    • Any other document as required by the insurer

    Theft Cases:

    • Original Certificate/Policy Document
    • Original Registration Book, with Theft endorsement from concerned RTO, and tax payment receipt
    • Previous Insurance Details
    • Policy number
    • Insuring office / company
    • Period of insurance
    • All the sets of keys/service booklets/Warranty card
    • Police Panchanama / FIR and final investigation report/JMFC report
    • Acknowledged copy of letter address to RTO intimating theft and making vehicle "NON-USE"
    • Any other document as required by the insurer
  • 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, and Reliance General Insurance 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 Paid Number: +91 22 48903009. Another way is O contacting the designated claim manager and submitting a formal request (mail) to withdraw the claim.

  • Click here to find out the address of a cashless garage closest to you.

  • If the repair cost exceeds 75% of the IDV (current Value), it will be considered as 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. Please note that the maximum delay allowed in claim intimation is 7 days. Delay of more than 7 days in claim intimation should be accompanied with valid explanation from Insured.

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 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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