Bike insurance plans starting just at ₹19/month*
-
Up to 80% Discount*
-
11,000+ Network Garages*
-
AI-Assisted Claims via Self-i*
Bike Insurance in Mumbai
Mumbai is a fast-paced city where people rely on speed and convenient travel. For countless Mumbaikars, bikes are the go-to option for navigating through the city’s traffic. But cities like Mumbai come with challenges like frequent congestion, pothole-prone roads, narrow lanes, tight parking spots and waterlogged streets during monsoon, all of which increase the risks for riders. Given these issues, having bike insurance in Mumbai is essential.
Two-wheelers are especially vulnerable to risks like skids, collisions and theft. Even a slight mishap during a rainy-day commute can result in significant repair bills. Without insurance, such expenses fall directly on you. Moreover, under the Motor Vehicles Act, 1988, riding without valid third-party insurance can result in a ₹2,000 fine or even up to 3 months in jail.
With reliable protection from IndusInd Bike Insurance (formerly, Reliance Bike Insurance), you won't have to worry about being caught off-guard. Whether it is a minor skid or a scratch from parking in a tight spot, your IndusInd Bike Insurance helps cover repair costs so you don’t bear the burden alone. And when you need quick assistance, the Self-i app puts help and claims just a tap away, saving you time and hassle when it matters most.
Why Should You Buy Bike Insurance in Mumbai?
Daily Traffic Risks
Riding through Mumbai’s congested roads and narrow lanes increases the risk of accidents. With 2-wheeler insurance in Mumbai, you get coverage for vehicle repairs and third-party liabilities, which keeps you financially protected during busy commutes.
Monsoon Damage
Waterlogged streets during monsoon can lead to engine damage and electrical issues. With a comprehensive bike cover, especially one paired with add-ons like engine protector, your bike is safeguarded from damage like water ingress, hydro lock and breakdowns.
Theft Protection
In a busy city like Mumbai, bikes are often parked in open or shared spaces, making them vulnerable to theft. With two-wheeler insurance in Mumbai, you’re financially protected if your vehicle or its parts are stolen. Your bike insurance policy reimburses your bike’s IDV amount.
Road and Rodent Damage
Mumbai’s road conditions and parking spaces can sometimes lead to unexpected wear and tear, including tyre damage and rodent-related issues. Having comprehensive coverage with add-ons like consumables cover can help you manage costly but common repairs with ease.
Cashless Garage Access
Mumbai’s busy pace means every minute counts, and spending hours coordinating bike repairs is not always possible. IndusInd General Insurance has 11,000+ partner garages, including several conveniently located across the city. You can access cashless and quality repairs quickly and easily.
Easy Online Process
In a fast-paced city like Mumbai, packed schedules make it hard to handle insurance offline. With IndusInd General Insurance, you can get online two-wheeler insurance in Mumbai within mere minutes. Our 24/7 online services allow you to buy, renew or claim your bike insurance from anywhere.
Why 5 Crore+ Policyholders Choose Us?
IndusInd Bike Insurance offers reliable two-wheeler protection tailored for Mumbai’s fast-paced and high-traffic roads. With features like cashless repairs, quick claims and wide network coverage, it ensures smooth rides across the city.
Up to 5 Years Coverage*
Get long and short term coverage
11,000+ Garages*
Cashless repairs nationwide
Access to Video Claims*
File claims on the go using your phone
24/7 Breakdown Help*
Quick roadside assistance
Types of Bike Insurance in Mumbai
Comprehensive Bike Insurance
In a city like Mumbai, where bike owners face everything from pothole-heavy roads to frequent waterlogging during monsoons, a comprehensive plan is the smartest choice. It offers all-round protection, covering accidental damage to your own vehicle, third-party damages, as well as risks from natural disasters, fire, and theft. So, if your bike is damaged while skimming through bumper-to-bumper traffic, this policy has you covered.
Short Term Own Damage Bike Insurance
An own damage bike insurance plan offers an affordable way to cover your bike if you already have a third-party policy and need to cover your bike against accidents, natural disasters and theft. This is a short-term plan that offers coverage starting from 1 month*. It's ideal for bike owners in Mumbai who only require coverage for a short period, and it's also more cost-effective than purchasing a 1-year OD bike plan.
Third-Party Bike Insurance
Third-party insurance is legally required under the Motor Vehicles Act, 1988, and in Mumbai’s chaotic traffic, it’s more than just a legal formality. Whether it’s a minor collision with another vehicle in a packed lane or a mishap involving a parked vehicle, third-party cover protects you from legal and financial liabilities caused due to injuries or damage to others. While it doesn't cover repairs to your own bike, it ensures you're compliant with the law and shielded from third-party claims.
Long Term Own Damage Bike Insurance
New bike owners in Mumbai often prefer to pair their mandatory third-party insurance with an own damage cover. This is especially true, given how easily your bike can be scratched or dented on congested roads or while navigating narrow parking areas. This policy safeguards your bike for 1 year from threats like accidents or flooding, which can happen during the city’s intense monsoons. It's a cost-effective policy for those who already have third-party bike insurance.
Bike Insurance in Mumbai: Inclusions and Exclusions
What is covered?
Accidents & Collisions: Covers repair and medical costs if your bike meets with an accident on Mumbai’s busy roads, including damages caused to others or their property.
Third-Party Damages: Provides financial coverage for repairs if your bike causes damage to someone else’s vehicle or property in congested areas like Dadar or Andheri.
Natural & Man-made Disasters: Be it flooding during Mumbai monsoons or events like strikes during citywide protests, your bike is protected against such damages.
Rodent Damage: In case of rat bites or stray animal attacks, internal or external bike damage is covered.
Theft Coverage: If your bike is stolen from your apartment lot or a crowded railway station, you’ll be compensated for the loss based on the bike’s Insured Declared Value.
What is not covered?
Wear & Tear and Depreciation: We cover all repair costs, except those arising from wear and tear and the natural degradation of parts that occur with regular use.
Accessories: You're fully covered for factory-fitted accessories under the base plan. However, any electrical and non-electrical accessories fitted to your bike after purchase require add-on coverage.
Law Violations and Outside Coverage Zone: You're fully covered for accident-related claims except for ones arising out of law violations or damage occurring to your bike outside of India's borders.
Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.
Need bike insurance? Just call us, we’ll sort it out in minutes!
One quick call could save you big on bike repairs
Bike Insurance Add-Ons for Mumbai Riders
Our bike insurance add-ons protect against depreciation deductions, engine repairs, and so much more to offer comprehensive scooter protection for your bike. So if you find that you need extra protection or just want to minimise your out-of-pocket expenses, our add-ons are the way to go.
Nil Depreciation Cover
Money Saver
Mumbai’s bumper-to-bumper traffic and uneven roads can lead to minor accidents that damage plastic or rubber components. This cover ensures you get the full claim value for such parts, without any depreciation deductions.
Engine Protector
Extended Bike Protection
Heavy rains and flash flooding are common in Mumbai, especially during monsoons. This puts your bike’s engine at serious risk. With this add-on, you can cover repairs to your bike’s engine caused by water, oil leaks or hydro lock.
Consumable Cover
Money Saver
Daily riding can wear down your bike quickly, even a minor accident can lead to the need for items like engine oil, brake fluid, nuts and bolts. This add-on covers the cost of these essential consumables during repair.
Key Replacement
Extended Bike Protection
Your bike keys can easily get lost or damaged in busy Mumbai areas. In these cases, this add-on pays to repair or replace lost or broken keys. We also cover the cost of replacing lock sets.
Tyre Protector
Extended Bike Protection
We cover the cost of repairs and replacements for accidental damage to your bike’s tyres and tubes, such as bulges, bursts, cuts or tears. This includes wheel alignment and balancing, as well as consumable expenses.
NCB Retention
Money Saver
Keep your No Claim Bonus at renewal even after you file a bike insurance claim. You can file up to one claim per policy year*, provided your bike insurance claim amount is less than 25% of your bike’s insured declared value.
Helmet Cover
Extended Bike Protection
Covers the cost of replacing your helmet with the same type and model if it gets damaged or destroyed in an accident involving your insured bike. This ensures your safety gear is always up to standard and is a useful add-on since helmet replacements can be expensive.
Return to Invoice (RTI)
Money Saver
Get your bike’s original invoice price if your bike is stolen and not found or is declared a total loss after a major accident. We will also refund one-time registration charges, road tax and insurance costs, making this cover a great addition to your bike insurance policy.
EMI Protection
Money Saver
The EMI protection add-on is ideal when scooter repairs or replacements take more than 30 days. With this bike insurance add-on, if the repair period exceeds 30 days, we will pay up to 3 EMIs to your bank on your behalf, providing you with extra financial security.
Daily Allowance Benefit Plus
Money Saver
If your bike or scooter is under repair for over 2 days in an authorised garage due to accidental damage, this add-on pays you a fixed daily amount of up to ₹5,000/day to cover your travel costs. For example, you could use this amount to cover your daily commutes to work.
Rim Protector
Money Saver
If your bike or scooter is under repair for over 2 days in an authorised garage due to accidental damage, this add-on pays you a fixed daily amount of up to ₹5,000/day to cover your travel costs. For example, you could use this amount to cover your daily commutes to work.
Bike Assistance
Extended Bike Protection
Offers 24/7 assistance if your bike breaks down, has a flat tyre, runs out of fuel or gets locked in a remote location with no garages nearby. Covers towing, on-site repairs, fuel delivery and more, so help is always there when you need it.
Daily Hospital Cash
Money Saver
You get a daily payout if you are hospitalised for over 24 hours due to injuries from an accident. The coverage kicks in when your hospital stay or admission lasts more than 7 days, and you will receive an additional amount for recovery.
Voluntary Deductible
Money Saver
If you choose a voluntary deductible (an amount you agree to pay from each claim before we cover the rest), your premium is reduced. But remember, for every claim (even if your bike is a total loss), you have to pay this amount first before your insurance coverage kicks in.
E-Bike Battery Protect
EV Bike Protection
It helps cover the cost of repairs or replacement of your EV bike's battery if it is damaged by events such as power surges, water entering the engine, or accidents. This can be a useful add-on in Mumbai since the battery is the most expensive part of an EV bike.
Electric Motor Protect
EV Bike Protection
The Electric Vehicle Electric Motor Cover provides financial support for repairs or replacement of the electric motor, differential or transmission units of your EV bike in case they get damaged due to water getting into the electric motor or oil leakage.
Electric Bike Charger
EV Bike Protection
If your electric bike's charger and its parts, like cables and adapters, get damaged by things like fire, flooding, power surges or accidents, the electric vehicle charger add-on covers the expenses for the repairs or replacement of the charging unit.
How to Buy and Renew Bike Insurance in Mumbai
Buy Online
Scroll up to the top of this page, and enter your details. For an instant premium quote, use the calculator below.
If your bike is brand new, click on "Bought a New Bike".
Select your bike make/model and enter your registration and policy details.
Select any add-ons you require, then review the policy details and final price.
Pay online and complete the CKYC with your PAN details to receive your policy.
Renew Online
Go to the top of this page and click "Renewal" on the tab. You can also tap "InstaRenew" on the Self-i app.
Input your existing policy number or vehicle details.
Review and update your plan or add optional covers.
This is also when you can redeem your NCB discount (if available).
Pay online and receive your renewed policy instantly.
Bike Insurance Claim Process in Mumbai
Cashless Claim
You must inform us within 24 hours or register your bike insurance claim on the Self-i app.
Use the widget below to visit the nearest network garage. We will send a surveyor to assess the extent of damage.
You can also do a self-inspection using the Self-i app, just submit photos or join a video call with a surveyor.
Submit all your claim documents and wait for approval from our team. This can take 7 days (after document submission).
After we approve of your claim, we pay the bill directly to the garage and drop off your bike at your address.
Reimbursement Claim
Inform us of the event within 24 hours. You can also register your bike insurance claim on the Self-i app.
Visit any garage of your choice to get your bike repaired. Pay the repair bills and keep all bills and receipts.
Register your claim on our website. Download and fill out the claims form and upload it with your other documents.
As part of the document verification, upload RC, policy certificate, driver's licence, FIR (if needed), and the repair estimate.
Upon approval of your claim, we will transfer the claim amount directly to your bank account.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Key Takeaways
With over 13.64 million registered two-wheelers in Mumbai as of March 2025, according to the Maharashtra Transport Department, bikes are clearly the lifeline of the city. Whether you're weaving through the traffic in Andheri or parking in tight spots near CST, riding in Mumbai comes with its own set of everyday challenges. That’s exactly why IndusInd Bike Insurance (formerly Reliance Bike Insurance) is built to support Mumbai riders at every turn.
Our plans come with access to 11,000+ cashless garages*, including a wide network spread across Mumbai, ensuring help is never far away. We also understand that Mumbai’s rains can cause serious damage to bike parts, so our network garages are equipped to repair monsoon-related issues like engine damage using only genuine parts.
And with the Self-i app, filing a claim or locating the nearest garage is quick and effortless. You get 24x7 support, easy document uploads and instant claim tracking, all from your phone. So whether it’s your daily commute or a weekend ride, IndusInd Bike Insurance ensures you're never left stranded. We cover more than just your bike; we support your journey, every day and every ride.
Reliance General Insurance
Aapke Protection ka All-rounder
Bike insurance starting at just ₹19 per month*!
Ride Stress-Free Across Mumbai!
From Dahisar’s busy roads to Colaba’s narrow lanes, our bike insurance plans offer cashless repairs at 11,000+ garages and monsoon-ready service, so your ride never hits a roadblock in Mumbai.
Two Wheeler Insurance for Top Two Wheeler Brands
Two Wheeler Insurance for Top Two Wheeler Models
Two Wheeler Insurance for Location
FAQs about Bike Insurance
What are the factors affecting bike insurance premiums in Mumbai?
Insurance Policy Type: Third-party plans cost less but offer limited coverage, while comprehensive plans provide wider protection and come with higher premiums.
Bike Specifications: Bikes with higher engine capacity or sporty models attract higher premiums due to the greater risk of accidents and higher repair costs.
Driver's Experience and Record: New or young riders pay more as they’re seen as higher risk. A clean driving history shows responsible riding and can attract discounts.
Market Value of the Bike: New bikes with higher Insured Declared Value (IDV) cost more to insure as the potential claim amount is higher. Older bikes, with lower market value, attract lower premiums due to reduced risk for the insurer.
What documents are needed for bike insurance in Mumbai?
Bike Invoice: Required when purchasing insurance for a new bike to verify its value.
Valid Driving Licence: Proof that the rider is legally permitted to drive the bike.
Address Proof: Any document with your Mumbai address, such as electricity bills or a government-issued ID.
Identity Proof: PAN card or Aadhaar card to verify your identity.
Bike Registration Certificate: Issued by the Mumbai RTO, this proves bike ownership and registration.
Previous Bike Insurance Policy: Needed at the time of renewal to continue coverage without interruption.
How can I buy the best bike insurance in Mumbai?
Evaluate Coverage Options: Start by checking available plans. A comprehensive policy is ideal for Mumbai as it covers accidents, theft and natural disasters.
Compare Premiums and Customer Service: Don’t just go for the lowest price. Look for insurers with good service, a wide cashless garage network and a smooth claim process.
Consider Customised Add-Ons: Look for useful add-ons like zero depreciation, return-to-invoice and personal accident cover that suit Mumbai’s conditions.
Prioritise Convenience: Choose insurers with easy online access or a mobile app like the Self-i app, for quick renewals, claim tracking and policy updates.
Disclaimers:
Common: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
Premium: 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).
Discount: 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.
Two-wheeler UIN: Details mentioned are for the product- IndusInd Two Wheeler Package Policy, UIN-IRDAN103RP0011V02100001.
Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance (Two Wheeler). UIN- IRDAN103RP0003V01200102.
Own Damage: Details mentioned here are for the product- IndusInd Two Wheeler Policy- Stand-alone Own Damage (UIN- IRDAN103RP0002V01201920)
Download our Self-i App now!
Support test
Edit Policy Details
Download Policy
Check Policy Status
My Service Requests
My Bookmarks
Buy
+91 123456789
Help
+91 123456789
Agent
+91 123456789
support@reliancegeneral.co.in
WhatsApp Us
Customers can contact us between 10:00AM to 06:00 PM
Become an Agent
Wish to become an agent with Reliance?