Hero Bike Insurance

Hero bikes are known for their practicality, fuel efficiency, and dependable performance, making them a favorite among riders across India. These versatile machines are perfect for daily commutes and long rides, appealing to those who value comfort and reliability.

However, while riding your Hero bike on busy city roads or scenic highways, unexpected situations like sudden weather changes or slippery surfaces can lead to accidents. If your bike gets damaged during such events, repair costs can quickly add up. Hero Bike Insurance ensures you’re financially protected, so you can handle repairs without worrying about big expenses.

At IndusInd General Insurance (formerly Reliance General Insurance), we make securing your Hero bike simple through our convenient Self-i mobile app. Our easy-to-use app lets you buy policies, file claims, and track progress seamlessly from your smartphone. We provide quick claim settlements and access to a wide service network, ensuring you get assistance wherever your journey takes you.

Why US

Why Everyone Trusts IndusInd Bike Insurance

Protecting your motorcycle shouldn't be complicated or expensive. With IndusInd General Insurance, you can get complete bike insurance that combines low premiums with broad coverage to keep your two-wheeler safe on all of your trips.

Brand - Bike

Up to 5 Years Coverage*

Buy once and get covered for 5 years

Video Claims Feature*

File claims on your mobile via our app

Choice of 10+ Add-Ons*

Extend your bike's coverage

Instantly Renew via Mobile

Just tap, pay and renew!

Why Buy Hero Insurance?

Legal Mandate

Every Hero bike owner must have insurance because it’s a legal requirement under the Motor Vehicles Act. If you’re caught riding without insurance, you could face fines of ₹2,000–₹4,000 or even risk license suspension. Having insurance not only keeps you compliant but also protects you and others on the road from financial losses due to accidents.

Repair Costs

Hero bikes are built for daily commutes and long rides, but city potholes and rough roads can damage parts like shock absorbers or wheels. Repairs can cost thousands of rupees, and without insurance, you’ll pay out of pocket. A good insurance plan helps you manage these expenses easily.

Covers Bike Theft

Hero bikes are among the most popular two-wheelers in India, making them a target for theft. Losing a bike worth ₹60,000–₹1.5 lakh is a big financial hit. Comprehensive insurance protects you by compensating up to your bike’s IDV (Insured Declared Value).

Covers Fire & Related Damage

Parking near electric wires or congested areas increases fire risk. If your Hero bike gets damaged in such incidents, insurance pays for repairs or replacement, saving you from major financial loss.

Covers Natural Disasters like Floods

During monsoons, Hero bikes parked outside can suffer water damage or corrosion. Fixing these issues is costly, but insurance covers such natural calamities, ensuring peace of mind.

Network Garages & Genuine Spare Parts

With IndusInd General Insurance (formerly Reliance General Insurance), you get access to a wide network of garages that use genuine Hero spare parts. This ensures your bike is repaired with quality components, keeping it safe and reliable for your rides.

Types of Hero Bike Insurance Plans

Comprehensive Hero Insurance

This complete protection plan covers both your Royal Enfield and third-party damages. You get coverage for accidents, theft, fire and natural disasters affecting your bike, plus protection against legal liabilities. With the widest range of benefits, comprehensive insurance offers maximum security for your premium motorcycle investment. Also, available in long-term policy options.

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Short Term Own Damage Bike Insurance

Perfect for Hero owners who already have third-party coverage, this plan focuses on protecting your bike from accidental damage. It ensures specialised protection, with flexible policy durations starting from 1 month*. For example, if you travel frequently and only need coverage for a couple of months a year, this policy is ideal. It's also a more cost-effective alternative to buying a full 1-year plan.

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Long Term Own Damage Bike Insurance

This policy covers your bike in case of damage from accidents, natural disasters, or theft. And since this is a long-term plan, you get 1-year coverage that can be renewed every year. For example, if your bike is damaged in an accident, this policy helps cover repair costs for your bike. This policy is also a more cost-effective option than purchasing a new comprehensive plan.

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Third-Party Hero Insurance

18 This bike insurance policy offers legally mandatory coverage under the Motor Vehicles Act 1988. It protects you from financial liability when your Royal Enfield causes damage to others, ensuring basic legal compliance at an affordable cost. Our 5-year long-term third-party policy also offers fixed premium rates with no revisions* and requires only a single payment when purchasing the plan.

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Key Features of Hero Insurance

Hero motorcycles deserve specialised protection that matches their legendary status. That’s why owner-specific insurance is essential - offering protection against accidents and theft, along with personalised benefits and easy claims designed specifically for Royal Enfield riders.

Features	Descriptions
Starting Premiums	From ₹19 per month*
Coverage Offered	Own Damage + Third-Party (Available separately or bundled together)
Discounts	Up to 80%* + Up to 50% No Claim Bonus*
Cashless Claims	Zero upfront payment* (Does not include mandatory deductibles)
Network Garages	11,000+ authorised cashless garages*
Claims Process	Quick claims via the Self-i app on mobile + 24-hour claim survey* for in-person inspections
Instant Buying/Renewal	Available via the Self-i app and our website
Add-Ons Available	10 Add-On Covers Available*
Personal Accident Cover	₹15 lakh PA cover* (optional cover)
24/7 Customer Support	Through phone, WhatsApp and email

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Reliance’s online set up helps ease the process of purchasing a health plan.

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Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions & Exclusions

Hero Bike Insurance Key Inclusions & Exclusions

Brand- Bike

Accidents and Collisions - Repair and medical costs for damages to you, your Royal Enfield or others during accidents.

Third-Party Damages - Repair expenses for damages caused to someone else's property or vehicle by your bike.

Natural/Man-made Disasters - Damages from floods, earthquakes, cyclones, or burglary damage.

Animal/Rodent Damage - Internal or external damage caused by rat bites or wild animal attacks.

Fire or Explosion - Damage if your Royal Enfield catches fire while parked, moving or is damaged by an explosion

Brand- Bike

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 refer to the official policy documents for detailed inclusions and exclusions.

Not sure which Hero insurance plan is right for you?

Let our experts guide you to the perfect ride protection!

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Hero Bike Insurance Add-ons

Our Hero insurance add-ons give extra protection against many different problems and expenses. If you live in areas with more accidents or want to spend less money on repairs, these add-ons help you save more in the long run.

Nil Depreciation

Money Saver

This cover means you get the full cost of replaced parts without any depreciation deductions. This ensures maximum claim amount and complete protection during repairs.

Maternity Cover

Extra Bike Protection

Your Hero engine faces costly weather damage, water problems and accidental damage regularly. This cover protects against expensive repairs that standard insurance plans don't cover properly for riders.

Consumable Cover

Money Saver

Normal insurance doesn't pay for essential repair materials like engine oil, nuts, bolts and brake fluid. This valuable cover handles all consumable costs during accident-related repairs of your Hero.

Key Replacement

Extra Bike Protection

Losing your Hero keys creates serious security risks and replacement issues for all riders. This helpful cover pays for new keys and lock changes to prevent any potential theft and security issues that losing your keys may create.

Helmet Cover

Extra Bike Protection

Your protective helmet can get stolen or damaged while riding on busy city roads daily. This cover pays for complete helmet replacement costs after accidents or theft incidents occur unexpectedly.

Tyre Protection

Extra Bike Protection

Bad road conditions regularly damage your Royal Enfield tyres and affect overall riding safety significantly. This cover handles tyre repairs, replacement and wheel balancing costs for all motorcycle riders everywhere.

Rim Protector

Extra Bike Protection

The rim damage add-on is designed to help when your bike's wheel rims are accidentally damaged, making them unfit for use. This cover pays for the repair or replacement of damaged rim(s), labour charges, wheel alignment and balancing and consumables.

Return to Invoice (RTI)

Money Saver

Adding a child to the family is a joyous occasion for parents. It is also an important milestone for every couple as they get an added responsibility for the child. While pregnancy and childbirth are wonderful experiences, they can prove expensive too.

NCB Retention Cover

Money Saver

Making insurance claims usually increases your renewal costs and removes valuable discount benefits completely. This smart cover lets you claim once yearly while keeping all discount benefits intact.

EMI Protection Cover

Money Saver

Long-term garage repairs after serious accidents can strain your monthly budget with loan payments. This financial cover pays 3 EMI instalments for extended repair periods exceeding 21 days.

Hospital Cash Cover

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.

Daily Allowance Cover

Money Saver

An extended garage stay for repairs leaves you without transport and extra daily travel costs. This practical cover provides daily money for alternative transportation during extended repair periods of over 2 days* in garages.

24/7 Bike Assistance

Extra Bike Protection

Breakdowns, flat tyres and lockout problems can leave you stranded anywhere unexpectedly. This 24/7 roadside assistance provides immediate help and towing services for your Royal Enfield motorcycle nationwide.

Voluntary Deductible Cover

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. For every claim (even for 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. A useful add-on since the battery is the most expensive part.

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.

E-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

How to Buy/Renew Hero Bike Insurance Online?

Brand - Bike Insurance

How to Buy

Go to the top of this page and enter your bike details. For an instant quote, use the calculator below.

Select your bike make/model and enter your registration and policy details.

Input your mobile number and the OTP. Next, select your policy and the bike's IDV.

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.

Brand- Bike

How to Renew

Go to the form on top of this page and select the “Renewal” tab. You can also tap "InstaRenew" on the Self-i app.

Input your Royal Enfield's make, model, registration year and number.

Review and update your bike details and check insurance renewal quotes.

If you're adding add-ons, you can use the calculator below to check the overall price.

Complete your payment using multiple methods and receive your policy instantly.

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Factors Affecting Hero Bike Insurance Premiums

Type of Coverage

Your Hero bike insurance cost depends on the coverage you choose. Third-party insurance is mandatory and affordable, but it only covers damage to others—not your own bike. Comprehensive insurance costs a bit more but protects your Hero bike against accidents, theft, and natural disasters, offering complete peace of mind.

Add-On Covers

Add-ons give extra protection for your Hero bike at an additional cost. Popular options include Zero Depreciation, Engine Protection, and Roadside Assistance. Choosing the right add-ons ensures your bike stays protected from unexpected expenses.

Make and Model

Different Hero models have varying insurance costs based on market price and engine capacity. For example, a Splendor Plus will cost less to insure than a Xpulse 200 or Xtreme 160R, as premium bikes have higher repair costs and expensive spare parts.

Vehicle Modifications

Any changes to your Hero bike—like engine upgrades, custom paint jobs, or performance parts—can increase your premium. Always inform your insurer about modifications to avoid claim issues later.

Installing Anti-Theft Devices on Your Bike

Adding security features like GPS trackers, alarms, or immobilizers can lower your premium. These devices reduce theft risk, and insurers often offer discounts for bikes equipped with such safety measures.

No Claim Bonus (NCB)

NCB rewards you for riding safely and not making claims. After one claim-free year, you can get up to 20% discount, which can go up to 50% over five years. This helps you save significantly on renewals.

How to Claim

Hero Bike Insurance Claim Process

How to Claim

Cashless Claim

Step 1

Call IndusInd General Insurance at +91-22-4890-3009, use the Self-i app or visit the Claims page online.

Step 2

Lodge a police complaint immediately for theft or third-party incidents and get a copy of the FIR

Step 3

Fill out the claim form online, providing all necessary and important details of the claim.

Step 4

IndusInd General Insurance will send a surveyor to inspect your bike and assess damage extent.

Step 5

Find your nearest network garage using the garage locator tool below. Then take your bike there for cashless repairs, and we settle the bill directly.

Reimbursement Claims

Step 1

Call +91-22-4890-3009, use the Self-i app or visit our Claims page for notification.

Step 2

For theft or third-party claims, file an FIR at the nearest police station and retain a copy.

Step 3

Fill out the claim form with all important details of the claim.

Step 4

After submission, the surveyor will assess and inspect damage to your bike for a report.

Step 5

Take the bike to any garage, pay upfront for repairs, and submit copies of your bills for reimbursement.

Please Note: To find the complete list of claims documents you can visit our motor claims page.

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Our trusted network for comprehensive coverage

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Insure the Best Parts of Your Hero Bike

Your Hero bike’s engine is the heart of its performance, ensuring smooth rides and excellent fuel efficiency. This critical component needs protection against accidents, water damage, and mechanical breakdowns. An Engine Protection Cover in your insurance plan saves you from paying hefty repair bills when these essential parts are damaged.

Hero bikes feature sleek designs and chrome details that enhance their look and appeal. These parts can be expensive to repair or replace if scratched or damaged. Comprehensive insurance helps cover the cost of restoring your bike’s premium finish, so you can keep it looking new.

Hero bikes are built for city commutes and long rides, but rough roads and potholes can strain suspension and wheels. These components are costly to fix, so having insurance coverage for suspension and wheel damage ensures your Hero bike stays adventure-ready without draining your wallet.

Modern Hero bikes come with advanced electrical systems and accessories like LED lights and digital displays. These high-tech parts are expensive to repair or replace if damaged. Comprehensive insurance covers these electrical components, ensuring your bike remains safe and functional.

Royal Enfield Bike - Model and Prices

Hero offers a wide range of bikes designed for comfort, efficiency, and durability. Whether you need a reliable commuter or a stylish ride for long journeys, there’s a Hero bike for every rider and purpose.

Model	Engine	Ex-Showroom Price (as of 2025)
Splendor Plus	97.2 cc	₹75,000
HF Deluxe	97.2 cc	₹70,000
Passion Pro	113 cc	₹80,000
Glamour	124.7 cc	₹90,000
Super Splendor	124.7 cc	₹95,000
Xtreme 160R	163 cc	₹1,25,000
Xpulse 200	199.6 cc	₹1,45,000
Xpulse 200T	199.6 cc	₹1,40,000
Karizma XMR	210 cc	₹1,80,000

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

Features	Features	Features
Premium starting at	Premium starting at	Premium starting at

Disclaimer: The prices mentioned are subject to change. Please refer to official websites for updated information.

Key Takeaway

Hero sold over 9 million bikes in 2024, making it India’s leading two-wheeler brand. With such popularity, Hero bikes are often targeted for theft and face risks of accidental damage every day. That’s why having proper bike insurance is essential for every rider.

For example, your Hero bike costs anywhere between ₹70,000 to ₹1.8 lakh, so losing it means losing years of savings. Engine damage from waterlogging during monsoons can cost up to ₹40,000 or more to repair, and riding without insurance can lead to fines of up to ₹4,000. Comprehensive Hero Bike Insurance protects you from these unexpected expenses.

IndusInd General Insurance (formerly Reliance General Insurance) makes protection simple and affordable at just *₹19 per month. Our plans cover accidents, theft, natural disasters, and fire. Plus, you can choose add-ons like engine protection and cashless repairs for extra security.

We’re there when it matters, settling *99.57% of claims quickly and reliably. With a network of *11,000+ garages across India, repairs are convenient and hassle-free. And with our Self-i mobile app, you can buy Hero bike insurance, file claims, and track everything easily from your phone.

Authors - Brand Bike

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*!

Customised Plans for Your Hero

Secure your Hero with coverage against own damage, theft and more. Enhance your plan with add-ons tailored to your bike's riding needs.

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IndusInd Offer Insurance for Hero Bike Models

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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.