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A name which is associated with legacy, ruggedness and power, Royal Enfield has been a major contributing force to the Indian two-wheeler industry. Since beginning its production in 1955, Royal Enfield has never had to look back. With its popularity growing among the younger generation while remaining intact among the older ones, Royal Enfield has enjoyed success, unlike any other brand.
Royal Enfield bikes come with features such as:
Even if the build of a Royal Enfield bike is tough and sturdy, it is prone to damage, and you are prone to injuries in an accident. To get the financial protection that you and your Royal Enfield bike deserve from such unfortunate circumstances, you should buy bike insurance for your brand-new Royal Enfield.
With models such as Classic 350, Himalayan, Meteor 350, Interceptor 650, and Continental GT, to name a few, the choices are varied.
When it comes to insuring your Royal Enfield motorbike, there are two options to consider like third-party bike insurance and comprehensive bike insurance. It is compulsory to have at least third-party insurance for Royal Enfield two-wheelers, as per the Motor Vehicles Act of 1988. This type of insurance covers any damages caused to a third-party vehicle and provides coverage for third-party injuries, however, it does not cover any damage to your own bike.
In contrast, comprehensive insurance provides all-round coverage for your two-wheeler. It covers not only damages to your bike but also third-party liabilities under the same policy. With comprehensive insurance, your Royal Enfield two-wheeler is protected from losses or damages due to natural or manmade calamities, fires, and theft. To enhance the insurance coverage, add-ons can also be included.
While standalone third-party coverage is less expensive, the price of comprehensive two-wheeler insurance for your bike is slightly higher. It is important to keep in mind that the cost of this insurance may increase based on the add-ons that are included.
When you purchase Royal Enfield insurance online, you can include some of these add-ons to your comprehensive policy:
Zero-depreciation add-on cover provides full coverage for the cost of repair or replacement of bike parts without any depreciation deduction.
IThis add-on cover protects your No Claim Bonus (NCB) even if you file a claim during the policy period.
Engine Protection cover provides coverage for damages to the engine of your Royal Enfield bike due to waterlogging, leakage, or any other causes.
This add-on cover provides 24x7 roadside assistance in case your bike breaks down, runs out of fuel, or faces any other issues while on the road.
Personal accident cover for pillion rider add-on cover provides financial compensation in case of accidental death or disability of the pillion rider.
This add-on cover provides coverage for the cost of consumable items such as nuts, bolts, engine oil, and more, which are not covered under the standard own damage policy.
This add-on cover provides full reimbursement of the bike's invoice value in case of total loss or theft.
It is important to carefully consider and choose the add-on covers that best suit your specific needs and budget.
Here are the step-by-step instructions to buy bike insurance online for your Royal Enfield two-wheeler:
It is important to read the policy document carefully and understand the terms and conditions, inclusions, and exclusions of the policy. If you have any doubts or queries, you can contact the customer support of the insurance provider for assistance.
Royal Enfield insurance renewal online is a convenient and hassle-free process. Here are the steps to follow:
It is important to renew your Royal Enfield insurance policy before the expiry date to avoid any lapse in coverage. Also, check if there are any new add-ons or concessions available while renewing the policy. Make sure to read the policy document carefully to understand the terms and conditions, inclusions, and exclusions of the policy. If you have any queries or doubts, you can reach out to the customer support of the insurance provider for assistance.
Here are the steps to file a bike insurance claim for your Royal Enfield bike:
It is important to file the insurance claim as soon as possible to avoid any delays in the settlement process. Also, make sure to provide all the required documents and information to support your claim. If you have any doubts or queries, you can contact the customer support of the insurance provider for assistance.
Third-party insurance is mandatory as per the Motor Vehicles Act of 1988 for all vehicles, including Royal Enfield bikes. It offers financial coverage for damage caused to a third-party vehicle and provides coverage for third-party injuries. However, own-damage coverage is not offered in this policy.
Comprehensive insurance provides all-round coverage. It covers the damages to your Royal Enfield bike and third-party liabilities under the same policy. Your two-wheeler is covered from damages or losses that could be caused due to natural and manmade calamities, fires, and even theft. The cost of comprehensive two-wheeler insurance for your bike is slightly higher than standalone third-party coverage.
Yes, you can enhance the insurance coverage of your Royal Enfield bike by including add-ons such as zero depreciation cover, roadside assistance, engine protect cover, pillion rider cover, and more. These add-ons come at an additional cost and can be selected based on your requirements.
Renewing Royal Enfield insurance online is a simple and hassle-free process. You need to visit the insurance provider's website, click on the renew option, enter your policy details, check the policy details, calculate the premium, make payment, and receive the policy document.
To file a bike insurance claim for your Royal Enfield bike, you need to inform your insurance provider about the accident or damage, provide details about the incident and policy, submit the required documents, such as the copy of your bike insurance policy, copy of your bike registration certificate, copy of your driving license, police FIR or accident report, repair estimates and bills, and wait for the claim processing and settlement. It is important to file the insurance claim as soon as possible and provide all the required documents and information to support your claim.
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