Bike Insurance Policies in Pune Starting at Just ₹19/month*

Up to 80% Discount*
11,000+ Network Garages*
AI-Assisted Claims via Self-i*

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Bike Insurance in Pune

As a thriving IT and industrial hub, Pune witnesses a massive influx of two-wheelers on its roads every day. From college students and tech professionals to delivery riders and daily commuters, bikes are a preferred mode of transport across the city. With such high traffic density, having bike insurance in Pune is not just a smart choice—it’s a legal necessity and a vital safety net. It protects you from financial losses due to accidents, theft, natural disasters, or third-party liabilities.

Whether you're weaving through the bustling lanes of FC Road, cruising down JM Road, or heading to your office in Hinjewadi, the risks on the road remain constant. That’s why IndusInd General Insurance offers tailored bike insurance solutions for Pune riders. Our policies range from basic third-party coverage to comprehensive plans with add-ons like zero depreciation and engine protection.

We make the process seamless with quick online services to buy or renew your bike insurance in Pune. You can get insured in minutes, access cashless repairs at thousands of garages, and enjoy benefits like No Claim Bonus and 24x7 claim support. Ride confidently through Pune’s dynamic streets with reliable coverage from IndusInd General Insurance.

Why Should You Buy Bike Insurance in Pune?

Easy Digital Access

Buy bike insurance in Pune easily from home using our seamless online platform. Whether you're in Kothrud, Wakad, or anywhere in the city, securing 2-wheeler coverage is just a few clicks away—fast, reliable, and tailored to your needs.

Cost-Effective Premiums

Get affordable two-wheeler insurance in Pune with competitive rates and exclusive discounts for safe riders and long-term plans. Our transparent pricing ensures maximum value, so you ride protected without overspending.

Extensive Network

Get the most out of your two-wheeler insurance in Pune with access to our wide network of authorized garages. From Hadapsar to Aundh, enjoy smooth, hassle-free bike repairs at trusted partner workshops—convenient service wherever you ride.

Quick Claim Settlement

We know how important it is to get back on Pune’s roads quickly. That’s why our expert claims team ensures fast, hassle-free processing with minimal paperwork so you can resume your ride with confidence and peace of mind.

24/7 Customer Support

With 24/7 support, help is always within reach whether it’s a late-night breakdown on the Pune-Mumbai highway or an early morning issue during your commute. Our team ensures quick, reliable assistance whenever and wherever you need it.

Additional Coverage Options

Boost your two-wheeler insurance in Pune with smart add-ons like zero depreciation and personal accident cover. These extras are designed to suit Pune’s traffic conditions, giving you enhanced protection and peace of mind on every ride.

Why Choose Us?

Why 5 Crore+ Policyholders Choose Us?

IndusInd Bike Insurance offers reliable two-wheeler protection tailored for Pune's high-traffic roads. With features like cashless repairs, quick claims and wide network coverage, it ensures smooth rides across the city.

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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 Pune

Comprehensive Bike Insurance

In a city like Pune, 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.

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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 Pune who only require coverage for a short period, and it's also more cost-effective than purchasing a 1-year OD bike plan.

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Third-Party Bike Insurance

Third-party insurance is legally required under the Motor Vehicles Act, 1988, and in Pune’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.

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Long Term Own Damage Bike Insurance

New bike owners in Pune 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.

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Inclusions & Exclusions

Bike Insurance in Pune : Inclusions and Exclusions

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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.

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.

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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

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Bike Insurance Add-Ons for Pune 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.

Consumables Expenses

Extra Bike Protection

When you choose bike insurance in Pune, this essential add-on covers all consumable costs like engine oil, brake fluid and lubricants after accidents. It ensures you don't pay extra for these necessary replacements during repairs at authorised garages.

Additional Third-Party Property Damage Cover

Extra Bike Protection

Enhance your online two-wheeler insurance in Pune with extra protection against third-party property damage. This add-on provides higher coverage limits than standard policies, crucial in Pune's crowded streets where property damage risks are significant.

Additional Personal Accident Cover

Extra Bike Protection

This bike insurance add-on extends beyond basic personal accident coverage, offering higher compensation for accidental death or disability. It's designed to provide extra financial security for you and your family during unfortunate incidents.

Emergency Medical Expenses

Money Saver

This cover reimburses medical expenses, including ambulance costs, regardless of which hospital you choose in Pune. It applies whether the accident occurs while riding, getting on, or off your bike.

Return-to-Invoice Cover

Money Saver

This add-on makes sure you get the full billing value of your bike if it is stolen or badly broken. This protects your entire investment.

Depreciation Allowance

Money Saver

Also known as zero depreciation cover, this add-on prevents deductions due to depreciation during claims. It's especially valuable for new bikes, ensuring full reimbursement for replaced parts without any value reduction.

How to Buy

How to Buy and Renew Bike Insurance in Pune?

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Cashless Claims

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.

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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.

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.

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How to Claim

Bike Insurance Claim Process in Pune

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Cashless Claims

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.

Location - Bike Insurance

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.

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.

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Our trusted network for comprehensive coverage

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Key Takeaways

With over 9.27 million registered two-wheelers in Pune as of March 2025 (Maharashtra Transport Department), bikes are truly the lifeline of the city. Whether you're navigating traffic in Hinjewadi or squeezing into tight spots near FC Road, riding in Pune brings its own daily challenges. That’s why IndusInd Bike Insurance (formerly Reliance Bike Insurance) is designed to support Pune riders at every turn.

Our plans offer access to 11,000+ cashless garages*, including a wide network across Pune, so help is always nearby. We know Pune’s monsoons can wreak havoc on bike parts, which is why our garages are equipped to fix rain-related issues like engine damage using genuine parts only.

With the IndusInd Self-i app, filing claims or finding the nearest garage is fast and easy. Enjoy 24x7 support, quick document uploads, and instant claim tracking—all from your phone. Whether it’s your daily commute or 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.

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Reliance General Insurance

Aapke Protection ka All-rounder

Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Bike insurance starting at just ₹19 per month*!

Ride Stress-Free Across Pune!

From the busy FC road to Kharadi's heavy trafficed lanes, our bike insurance plans offer cashless repairs at 11,000+ garages and monsoon-ready service, so your ride never hits a roadblock in Pune.

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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.

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)