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Motor Insurance
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your bikeCashless 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
Compare Insurance Plans Made for You
Feature |
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 |
Get instant access to your policy details with a single click.
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Step-by-Step Guide
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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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.