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Motor Insurance

Buy/Renew Royal Enfield Bike Insurance

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Premium Starts At ₹538*

Road trips, commutes, or quick errands—protection that follows you everywhere

Coverage Highlights

Get comprehensive coverage for your bike
  • Cashless Garages

7,200+ network garages for hassle free services

  • Own Damage Cover

Covers damage to your bike due to accidents, fire, theft and natural calamities

  • Third Party Liability

Unlimited liability for third party bodily injuries and INR 1 lac for third party property damage

  • Personal Accident Cover

Starting from INR 15 Lacs

  • No Claim Bonus

Up to 50%

  • Optional Covers

Wide range of Add Ons

  • On The Spot Claim Settlement

You can instantly register your bike insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App

  • 24x7 Spot Assistance

Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down

  • Note

Two-Wheeler TP Insurance Premiums starting at INR 538

Inclusions

What’s covered?
  • Third Party Liability for Bodily Injury & Death (Unlimited Cover)

If an accident is caused by your bike and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.

  • Third Party Liability for Property Damage (up to INR 1 lac)

If an accident is caused by your bike and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit

  • Accidents

Damages and losses that arise out of accidents and collisions

  • Natural or Man-Made Disasters

Damages and losses to bike by events like floods, cyclones, earthquakes, riots or vandalism

  • Fire Damage

Damages and losses if your bike catches fire or explodes

  • Theft

Financial losses when your bike is stolen

  • In Transit Damage

If your bike is damaged while being transported, this covers the repair costs

  • Personal Accident

Coverage if your bike accident results in death or disability of bike owner

  • Add-On Covers

Multiple Add-Ons which you can buy with your bike insurance policy to enhance your coverage

Exclusions

What’s not covered?
  • Intentional Damage

Any damage caused to the bike intentionally

  • Depreciation

Normal wear and tear of the bike due to usage and depreciation in value is not covered

  • Mechanical or Electrical Breakdown

If your bike suffers an electrical or mechanical breakdown, the cost of repairs would not be covered

  • Illegal Activities

Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity

  • Geographic Limits

Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.

  • War-related Damages

Losses caused by war or nuclear risks are not covered

  • Overloading the Vehicle

If you exceed the weight or passenger limit specified for your bike, leading to an accident.

  • Unauthorised Vehicle Modifications

If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.

  • Racing or Speed Tests

If you participate in racing, speed tests, or illegal stunts and damage your bike, your claim will be denied

  • Note

Please read policy wording for detailed exclusions

Additional Covers

What else can you get?
  • 24x7 Road Side Assistance

Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more

  • Consumable Expenses

Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc

  • Zero Depreciation Cover

Every year the value of a bike depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands

  • No Claim Bonus Protector

Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium

  • Tyre Safeguard

This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle

  • Conveyance Benefit

If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute

  • Engine Protector

Covers financial losses incurred due to damage to your car engine

  • Return to Invoice (RTI) Cover

Recover invoice value of your bike back in case of theft or total loss

Benefits You Deserve

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Reliable Customer Support

We have a dedicated call centre and chat support taking care of all your needs

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7200+ Cashless garages

Wide network of cashless garages for hassle free service

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On the Spot Claim Settlement

Register claim on accident spot and get it settled within minute on our app

At-A-Glance

Compare Insurance Plans Made for You

Feature
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Third Party Liabilty Cover

Own Damage Cover

Comprehensive Cover

Comprehensive Cover with Add-ons

Overview Covers legal liabilities arising due to body injury or property damage to others due to your bike. It is mandatory by law. Covers expenses arising out of damage to your bike. Full fedged cover comprising of Third Party Liability cover and Own Damage covers Enhance coverage by opting for various Add-ons over and above the comprehensive cover
Policy Period 1/2/3 years 1 Year 1/2/3/5 years 1/2/3/5 years
Third Party Liability for Injury, Death & Property Damage Yes No Yes Yes
Accidents & Collisions No Yes Yes Yes
Natural or Man-Made Disasters No Yes Yes Yes
Fire Damage No Yes Yes Yes
Theft No Yes Yes Yes
Compulsory Personal Accident Yes Yes Yes Yes
No Claim Bonus No Yes Yes Yes
Add-on: Zero Depreciation Cover No Yes No Yes
Add-on: Lock & Key Replacement No Yes No Yes
Add-on: 24x7 Roadside Assistance No Yes No Yes
Add-on: Consumables Cover No Yes No Yes
Explore more add-ons No 25+ Add On's 25+ Add On's 25+ Add On's

Download Policy Document

Get instant access to your policy details with a single click.

Motor & Health Companion

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Experience seamless vehicle management with the Bajaj Allianz Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more

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Track, Manage & Thrive with Your All-In-One Health Companion

Discover a health plan tailored just for you–get insights and achieve your wellness goals

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Be proactive about your health–set goals, track progress, and get discounts!

Step-by-Step Guide

To help you navigate your insurance journey

How To Buy

  • 0

    Download the Caringly Yours app from App stores or click "Get Quote"

  • 1

    Register or log in to your account.

  • 2

    Enter your bike details

  • 3

    You will be redirected to the bike Insurance Page.

  • 4

    Ensure to check your No Claim Discount

  • 5

    Choose right Insured Declared Value(IDV) that reflects your bike value

  • 6

    Evaluate Covers, Add Ons, Optional Covers and Exclusions

  • 7

    Select a plan from the recommended options, or customize your own plan

  • 8

    Review the premium and other coverage details

  • 9

    Proceed with the payment using your preferred method

  • 10

    Receive confirmation of your purchased policy via email and SMS

How To Renew

  • 0

    Login to the app

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

How to Claim

  • 0

    Download our Caringly Yours App on Android or iOS

  • 1

    Register or login to use Motor On the spot claim for a smooth process

  • 2

    Enter your policy and accident details (location, date, time)

  • 3

    Save and click Register to file your claim

  • 4

    Receive an SMS with your claim registration number

  • 5

    Fill in the digital claim form and submit NEFT details

  • 6

    Upload photos of damaged parts as instructed

  • 7

    Upload your RC and driving license

  • 8

    Receive an SMS with the proposed claim amount

  • 9

    Use the SMS link to agree/disagree with the claim amount

  • 10

    Agree to receive the amount in your bank account

  • 11

    Track your claim status using the Insurance Wallet App

Know More

  • 0

    For any further queries, please reach out to us

  • 1

    Phone +91 020 66026666

  • 2

    Fax +91 020 66026667

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What Our Customers Say

Quick Claim Settlement

The entire claim process was effortless. I received my claim amount quickly, and the service was top-notch. Thanks, Bajaj Allianz!

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Sanjay Rana

Tamil Nadu

4.9

10th Jan 2021

Affordable Premiums & Great Coverage

Extensive coverage at an affordable premium. The added benefits like roadside assistance make this policy a great choice!

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Diya Kapoor

Jharkhand

5.0

15th Dec 2024

Cashless Repairs Without Hassles

Got my car repaired at a network garage without any paperwork. The cashless facility is truly a lifesaver!

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Abhishek Mishra

Punjab

4.8

5th Feb 2020

Easy and Transparent Purchase

The policy purchase process was smooth. Everything was clear, and I got extensive coverage at a reasonable price!

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Neha Agarwal

Goa

4.7

25th Jan 2024

FAQ's

What is third-party insurance, and is it mandatory for Royal Enfield bikes?

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.

What is comprehensive bike insurance, and how is it different from third-party insurance?

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 i

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.

What is the process to renew my Royal Enfield insurance policy online?

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.

How can I file a bike insurance claim for my Royal Enfield bike?

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.

Can I transfer my existing motor insurance policy to the new owner?

Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.

What risks are covered under an insurance policy for a vehicle?

The coverage for vehicle insurance can vary depending on the type of policy chosen. Third party liability, third party property damage, personal accident cover, own damage, theft, natural/manmade calamities, etc. are some of the common risks that are usually covered under motor insurance for a vehicle.

Why should I buy comprehensive vehicle insurance policy?

Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle from damages due to an accident, theft, or natural disasters and damages caused to third party etc.

What is a Third-Party Liability Cover?

Third-Party Liability Cover is a type of insurance plan that covers that damages caused to a third-party from your vehicle.

What's the difference between third-party and comprehensive insurance?

Third-Party Liability covers damages incurred by another person or their property; it's mandatory by law to get a third-party insurance plan for your vehicle in order to drive it in India. Whereas, Comprehensive Motor Insurance covers third-party liability and damages to your own vehicle due to accidents, theft, etc. as per the policy terms.

Will my No Claims Bonus be transferred if I renew my motor insurance?

You may be able to transfer your No Claims Bonus (NCB) when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better NCB options and discounts.

What is premium reduction process if no claim acquired previously?

The no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for people who have long-term insurance policies with the same company.

Where can I initiate a claim?

You can use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.

How do I register my claim?

Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is best to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.

What is a "deductible" or "compulsory excess" in motor insurance?

Deductible is the amount a policyholder pays out of their pocket before your insurance coverage kicks in; a higher deductible usually means a lower premium.

Why does my vehicle insurance premium change during renewal?

Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.

How NCB is calculated at the time of renewal?

No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.

What is a break in insurance?

The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.

When is vehicle inspection mandatory in motor insurance?

Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.

Can I change my motor insurance provider at renewal?

Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
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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:

  1. Anti-braking system
  2. Charging port
  3. Service indicator
  4. Low fuel indicator
  5. Comfortable suspension

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. 

Types Insurance plans available for Royal Enfield bikes

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.

Add-on covers for your Royal Enfield bike

When you purchase Royal Enfield insurance online, you can include some of these add-ons to your comprehensive policy:

Zero Depreciation Cover

Zero-depreciation add-on cover provides full coverage for the cost of repair or replacement of bike parts without any depreciation deduction.

NCB Protect Cover

IThis add-on cover protects your No Claim Bonus (NCB) even if you file a claim during the policy period.

Engine Protect Cover

Engine Protection cover provides coverage for damages to the engine of your Royal Enfield bike due to waterlogging, leakage, or any other causes.

Roadside Assistance Cover

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

Personal accident cover for pillion rider add-on cover provides financial compensation in case of accidental death or disability of the pillion rider.

Consumable Cover

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.

Return to Invoice Cover

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.

How to buy bike insurance online for Royal Enfield two-wheeler?

Here are the step-by-step instructions to buy bike insurance online for your Royal Enfield two-wheeler:

  1. Research:

    Do some research and compare the various policies offered by different insurance providers to choose the one that best suits your needs and budget.
 
  1. Visit insurance provider's website:

    Once you have selected the policy you want to buy, visit the website of the insurance provider.
 
  1. Enter bike details:

    Enter the details of your Royal Enfield two-wheeler, such as the make and model of the bike, year of purchase, and registration number.
 
  1. Choose the type of policy:

    Choose the type of policy you want to buy - third-party liability, comprehensive, or standalone own-damage policy. Selecting the comprehensive Royal Enfield insurance policy allows you to customise the policy with add-ons.
 
  1. Select add-ons:

    You can also select any additional covers or add-ons that you may require, such as zero depreciation cover, roadside assistance, etc.
 
  1. Provide personal details:

    Enter your personal details, such as your name, contact number, email ID, and address.
 
 
  1. Calculate premium:

    Once you have provided all the required details, the insurance provider will calculate the Royal Enfield insurance policy price. For this, you can even use a two-wheeler insurance calculator.
 
  1. Make payment:

    Pay the premium amount through a secure payment gateway using a debit card, credit card, or net banking.
 
  1. Receive policy document:

    Once the payment is successful, you will receive the policy document via email. You can also download and print the policy document if required.

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.

How to Renew Royal Enfield Insurance Online?

Royal Enfield insurance renewal online is a convenient and hassle-free process. Here are the steps to follow:

  1. Visit the insurance provider's website:

    Visit the website of the insurance provider from whom you had purchased the policy.
 
  1. Click on Renew:

    Look for the 'Renew' option on the website and click on it.
 
  1. Enter policy details:

    Enter the policy number, expiry date, and other required details.
 
  1. Check policy details:

    Check the policy details and make any necessary changes or modifications. When you customise your policy during renewal, you might notice a difference in the Royal Enfield insurance renewal price. This could be due to the inclusion or exclusion of add-ons.
 
  1. Calculate premium:

    The insurance provider will calculate the premium amount based on the policy details and coverage selected.
 
  1. Make payment:

    Pay the premium amount using a debit card, credit card, or net banking through a secure payment gateway.
 
  1. Receive policy document:

    Once the payment is successful, you will receive the renewed policy document via email.

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.

How to file an Insurance Claim for Royal Enfield bike?

Here are the steps to file a bike insurance claim for your Royal Enfield bike:

  1. Contact your insurance provider:

    The first step is to inform your insurance provider about the accident or damage to your Royal Enfield bike. You can either call the customer service helpline or visit the nearest branch office to initiate the claim process.
 
  1. Provide details:

    You will need to provide details about the incident, such as the time and date of the accident, location, a brief description of the incident, and any injuries sustained, if any.
 
  1. Provide policy details:

    Provide your policy details, such as the policy number, date of purchase, and coverage details.
 
  1. Submit documents:

     

    You will need to submit the following documents to support your claim:
    1. Copy of your bike insurance policy
    2. Copy of your bike registration certificate
    3. Copy of your driving license
    4. Police FIR or accident report
    5. Repair estimates and bills
 
  1. Claim processing:

    Once the documents are submitted, the insurance provider will assign a surveyor to inspect the damage to your Royal Enfield bike. The surveyor will assess the damage and estimate the repair costs.
 
  1. Settlement:

    After the surveyor's report, the insurance provider will process the claim and settle the amount as per the terms and conditions of the policy. You will receive the payment either as a reimbursement of the repair expenses or directly to the garage.

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.