Royal Enfield Insurance starting at just ₹19/month*
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Up to 80% Discounts*
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11,000+ Network Garages*
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AI-Assisted Claims via Self-i
Royal Enfield Bike Insurance
Royal Enfield bikes combine classic design with powerful performance, making them popular with riders all over India. These magnificent machines especially appeal to young professionals and adventure seekers who love exploring scenic highways.
Consider, while riding your Royal Enfield on beautiful highways, sudden weather changes can create dangerous, slippery conditions ahead. When your beloved bike skids and gets damaged during such unexpected situations, repair costs become overwhelming quickly. Bike insurance makes sure that you can pay for fixes without having to worry about big costs.
At IndusInd General Insurance (formerly Reliance General Insurance), we make protecting your Royal Enfield simple through our convenient Self-i mobile app. Our user-friendly app lets you buy policies, file claims and track progress easily from your smartphone daily. We provide quick claim settlements and a wide service network, which ensures you get help wherever adventures take you.
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.
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 Royal Enfield Insurance?
Legal Mandate
Every Royal Enfield owner must buy bike insurance because the government makes it a rule for everyone. If the police catch you riding without insurance, they will impose fines of ₹2,000-₹4,000 immediately. Sometimes they can even put you in jail for three months, so buying insurance becomes very important. Having insurance helps keep you safe and also protects other people on the roads from accidents.
Repair Costs
Royal Enfield bikes work great on highways, but bad city roads with holes can break your bike's parts. When you hit big holes in the road, important parts like shock absorbers can get damaged quickly. Fixing these broken parts costs lots of money, and without insurance, you have to pay everything yourself. Getting repairs done can cost thousands of rupees, so having insurance helps you save your hard-earned money.
Covers Bike Theft
Royal Enfield bikes are particularly targeted by thieves due to their popularity and value. These bikes cost between ₹1.5-3 lakhs, so losing your bike to thieves means losing lots of money. But comprehensive insurance protects you by providing compensation equal to your bike’s IDV.
Covers Natural Disasters like Floods
During the rainy season, Royal Enfield bikes parked outside can get damaged by floods and heavy storms. Fixing this damage costs a lot, but insurance helps pay for these expensive repairs. These days, bad weather happens more often, so having protection becomes even more important.
Covers Fire & Fire Related Damage
In busy cities, you often park your Royal Enfield near electric wires or in very small spaces. If electric wires spark or fires start nearby, your bike can get damaged very quickly. Good Royal Enfield insurance pays you full money for fire damage, so you don't lose your valuable bike investment. Plus, old electric systems in cities spread fires easily, so protection helps keep your money safe.
Network Garages & Genuine Spare Parts
We at IndusInd General Insurance help you find good garages that use real Royal Enfield bike parts. Many small garages use fake parts that could make your bike malfunction during long rides on highways. Our network garages always use genuine parts, so your bike stays safe and runs smoothly for years. Real parts come with promises and make sure your bike works perfectly without any big problems.
Types of Royal Enfield Bike Insurance Plans
Comprehensive Royal Enfield 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.
Short Term Own Damage Bike Insurance
Perfect for Royal Enfield 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.
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.
Third-Party Royal Enfield Insurance
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.
Key Features of Royal Enfield Insurance
Royal Enfield 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.
Key Features | Description |
|---|---|
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 |
Disclaimer: Please refer to the official policy documents for detailed information.
Royal Enfield Bike Insurance Key Inclusions & Exclusions
What is Covered?
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.
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 refer to the official policy documents for detailed inclusions and exclusions.
Not sure which Royal Enfield insurance plan is right for you?
Let our experts guide you to the perfect ride protection!
Royal Enfield Bike Insurance Add-ons
Our Royal Enfield 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.
Engine Protect
Extra Bike Protection
Your Royal Enfield 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 Royal Enfield.
Key Replacement
Extra Bike Protection
Losing your Royal Enfield 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/Renew Royal Enfield Bike Insurance Online?
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.
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.
Up to 80% Discount*
Video Claims on Mobile
11,000+ Cashless Garages*
Factors Affecting Royal Enfield Insurance Premiums
Type of Coverage
Your Royal Enfield insurance cost depends on which coverage type you choose for your bike. Third-party insurance is cheap, but it does not protect your Royal Enfield bike from any damage or theft at all. Comprehensive Royal Enfield insurance costs slightly higher but protects your bike from accidents, natural disasters and theft, offering broader protection.
Add-On Covers
Add-ons give you extra protection under your Royal Enfield insurance for an additional cost. Engine cover, zero depreciation and roadside assistance are a few popular ones that help save you thousands of rupees when your bike gets damaged in accidents. Pick the right add-ons based on how you use your Royal Enfield bike every day.
Make and Model
Different Royal Enfield bikes have different insurance costs based on their market price and engine size. Classic 350 costs less to insure than Himalayan or Continental GT bikes because of lower value. Bigger engine bikes like the Interceptor 650 cost more because spare parts and repairs are very expensive. Your Royal Enfield model decides how much you pay for insurance coverage every single year.
Vehicle Modifications
Any changes to your Royal Enfield bike will affect how much insurance money you pay every year. Engine changes, custom paint jobs and performance parts make your bike worth more money than before. You must tell insurance companies about all the changes made to your Royal Enfield bike honestly. If you hide these changes, insurance companies might not pay money when accidents happen to bikes.
Installing Anti-Theft Devices on Your Bike
Put anti-theft devices on your Royal Enfield bike to pay less money for insurance every year. GPS trackers, alarms and engine immobiliser locks make your bike safe from thieves and robbers. Insurance companies give good discounts when you add these approved safety devices to Royal Enfield bikes. These security devices protect your bike from theft and also reduce your insurance bill significantly.
No Claim Bonus (NCB)
No Claim Bonus reduces your Royal Enfield insurance cost when you don't make any claims for damage. The first year gives you a 20% discount, going up to 50% after five claim-free years*. This bonus discount moves with you if you change insurance companies for your Royal Enfield bike. Not making claims for damage saves lots of money on your Royal Enfield insurance bills over time.
Disclaimer: The discount percentages mentioned above are subject to change based on the age of the vehicle, vehicle make and model, and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.
Royal Enfield Bike Insurance Claim Process
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 4
IndusInd General Insurance will send a surveyor to inspect your bike and assess damage extent.
Step 2
Lodge a police complaint immediately for theft or third-party incidents and get a copy of the FIR.
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.
Step 3
Fill out the claim form online, providing all necessary and important details of the claim.
Reimbursement Claims
Step 1
Call +91-22-4890-3009, use the Self-i app or visit our Claims page for notification.
Step 4
After submission, the surveyor will assess and inspect damage to your bike for a report.
Step 2
For theft or third-party claims, file an FIR at the nearest police station and retain a copy.
Step 5
Take the bike to any garage, pay upfront for repairs, and submit copies of your bills for reimbursement.
Step 3
Fill out the claim form with all important details of the claim.
Please Note: To find the complete list of claims documents you can visit our motor claims page.
Insure the Best Parts of Your Royal Enfield
Royal Enfield Bike - Model and Prices
The Royal Enfield is available in multiple models, each built for strength, style and lasting performance. Whatever the reason to ride, there's a Royal Enfield to suit every kind of rider and journey.
Model | Engine | Ex-Showroom Price |
|---|---|---|
Hunter 350 | 349.34 cc | ₹1,49,900 |
Classic 350 | 349 cc | ₹1,95,301 |
Bullet 350 | 349 cc | ₹1,74,876 |
Meteor 350 | 349.34 cc | ₹2,08,191 |
Goan Classic 350 | 349 cc | ₹2,35,000 |
Scram 440 | 443 cc | ₹2,08,000 |
Guerrilla 450 | 452 cc | ₹2,39,000 |
Himalayan 450 | 452 cc | ₹2,85,000 |
Interceptor 650 | 648 cc | ₹3,06,264 |
Continental GT 650 | 648 cc | ₹3,22,447 |
Classic 650 | 647.95 cc | ₹3,37,000 |
Bear 650 | 648 cc | ₹3,39,010 |
Shotgun 650 | 648 cc | ₹3,63,567 |
Super Meteor 650 | 648 cc | ₹3,68,087 |
Disclaimer: The prices mentioned are subject to change. Please refer to official websites for updated information.
Key Takeaway
Royal Enfield sold over 8.5 lakh bikes in 2024, becoming India's top premium motorcycle brand. And since it’s such a popular brand, thieves are more likely to target Royal Enfield bikes. This means your bike faces higher risks of theft and accident damage every single day.
For instance, your Royal Enfield costs ₹1.5 to 3 lakhs, so losing it means losing years of savings. Engine damage from city floods can cost up to ₹50,000 or more to repair, while riding without insurance brings heavy fines up to ₹4,000. That's why protecting your Royal Enfield with proper bike insurance becomes very important for every rider.
IndusInd General Insurance (formerly Reliance General Insurance) makes protection simple and affordable at just ₹19 per month*. Our comprehensive plans protect against all these problems, including accidents, natural disasters, theft and fire. We also offer useful add-ons like engine protection and cashless repairs that save you money.
We’re there when it matters, settling 99.57% of all claims* quickly and reliably. With our network of 11,000+ garages* across India, you can get repairs done anywhere conveniently. Plus, our Self-i mobile app lets you buy Royal Enfield insurance, file claims and track everything easily from your phone.
Reliance General Insurance
Aapke Protection ka All-rounder
Bike insurance starting at just ₹19 per month*!
Customised Plans for Your Royal Enfield
Secure your Royal Enfield with coverage against own damage, theft and more. Enhance your plan with add-ons tailored to your bike's riding needs.
IndusInd Offer Insurance for Royal Enfield Bike Models
Royal Enfield Classic 350
Royal Enfield Meteor 350
Royal Enfield Hunter 350
Royal Enfield Interceptor Bear 650
Royal Enfield Guerrilla 450
Royal Enfield Himalayan 450
Royal Enfield Shotgun 650
Royal Enfield Interceptor 650
Royal Enfield Super Meteor 650
Royal Enfield Scram 411
FAQ About Royal Enfield Bike Insurance
Can I transfer my Royal Enfield insurance to a new owner?
Yes, bike insurance can be transferred to new owners during bike sales through a simple process. The new owner must inform the insurance company within 14 days with transfer documents and pay applicable charges.
How is my Royal Enfield insurance premium calculated?
Premium rates vary based on your chosen coverage plan, specific variant, engine size, optional protection features, installed security systems and accumulated no-claim bonus discount from accident-free riding periods.
What happens if my policy lapses?
A lapsed policy means no coverage for accidents, theft or damages, leaving you financially exposed. You'll also face legal penalties, lose no-claim bonus benefits and pay higher premiums during late renewals with mandatory inspection requirements.
How is bike insurance calculated?
Bike insurance premiums are calculated based on your Royal Enfield's model, cubic capacity, age and location. Additional factors include the rider's age, driving history, add-on covers selected and previous claim history, affecting the final premium amount.
Is bike insurance monthly or yearly?
Bike insurance policies are typically annual contracts with yearly coverage periods as per regulatory requirements. While some insurers offer monthly payment options for convenience, the policy validity remains one year with mandatory renewal.
What documents are needed for the Royal Enfield bike insurance claim?
For Royal Enfield bike insurance claims, you typically need an insurance policy copy, driving license, bike registration certificate (RC), FIR copy (for theft/accident), repair estimates, photographs of damage, claim form and PAN card.
Disclaimer:
*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.
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.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
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- Reliance 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 UIN: Details mentioned here are for the product- Reliance Two Wheeler Policy- Stand-alone Own Damage (UIN- IRDAN103RP0002V01201920).
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