Royal Enfield Classis Insurance starting at just ₹19/month*

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

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Royal Enfield Classic Insurance

The Royal Enfield Classic is a timeless motorcycle admired for its rugged build and vintage charm. To keep this iconic bike protected, you need a strong and reliable insurance plan. IndusInd General Insurance offers specially designed Royal Enfield Classic bike insurance that provides extensive coverage tailored to your bike’s unique requirements.

Our two-wheeler insurance plans offer protection against a wide range of risks including third-party liabilities, accidental damage, theft, fire, and natural disasters. Whether you’re riding through city streets or exploring offbeat paths, our policies ensure your bike stays covered. You can choose from basic third-party coverage or opt for comprehensive plans with useful add-ons.

This guide helps you understand everything from coverage benefits and exclusions to the Royal Enfield Classic insurance price, claim process, renewal options, and more. With easy online purchase, quick claim settlements, and flexible plans, IndusInd General Insurance makes protecting your ride simple and stress-free.

Why US

Why IndusInd Bike Insurance?

IndusInd General Insurance (formerly Reliance General Insurance) provides comprehensive protection for your Royal Enfield Classic along with reliable 24/7 customer assistance and an extensive cashless garage network, ensuring your daily rides stay smooth, safe and stress-free.

Model - Scooter

Up to 5 Years Coverage*

Buy once and get covered for 5 years

Get 10 Add-On Covers*

Extend your scooter's coverage

Video Claims Feature*

File claims on your mobile via our app

Instantly Renew via Mobile*

Just tap, pay and renew!

Why Buy Royal Enfield Classic Insurance?

Legal Mandate for All Owners

Every two-wheeler owner in India must have at least third-party bike insurance as per law. If you’re caught riding your Royal Enfield Classic without valid insurance, you could face fines ranging from ₹2,000 to ₹4,000, and in severe cases, even imprisonment. Avoid legal hassles by insuring your bike immediately after purchase.

Covers Repair Costs

The Royal Enfield Classic features premium components like disc brakes, alloy wheels, and advanced suspension. Repairs for these parts can be expensive if damaged due to potholes or accidents. Comprehensive insurance ensures you’re protected from these unexpected costs.

Covers Bike Theft

High-end motorcycles like the Royal Enfield Classic are prime targets for theft in urban areas. With prices starting at ₹1,93,000*, losing your bike can be a major financial setback. Insurance safeguards you by covering your bike’s Insured Declared Value (IDV) if it gets stolen.

Covers Natural Disasters like Floods

The Royal Enfield Classic weighs around 195 kg*, making it vulnerable to damage during floods. Water exposure can lead to engine damage and rust formation. With bike insurance, you’re covered against losses caused by natural calamities.

Covers Damage from Fires

Parking constraints in cities often force bikes into open spaces, increasing fire risk. If a fire breaks out, it can cause irreparable damage to your Royal Enfield Classic. Insurance ensures you’re covered for fire-related losses, saving you from major financial setbacks.

Network Garages & Genuine Spare Parts

Did you know nearly 20% of road accidents involve counterfeit parts? Royal Enfield Classic owners need genuine parts for high-quality repairs, which can be costly without insurance. With the right insurance plan, you get access to authorized garages and genuine spare parts for premium servicing.

Types of Royal Enfield Classic Insurance Plans

Comprehensive Bike Insurance

This is a full-coverage plan that protects your bike from damage and covers damage caused to others. E.g., Let’s say you’re on your way home, and you accidentally hit another person’s bike, damaging both yours and theirs bike. This policy can help cover your scooter’s repair costs and the compensation amount you would need to pay to the other person for damaging their bike.

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Third-Party Bike Insurance

This plan covers damage to another person’s vehicle or property, or injury caused to another person in an accident. It’s the most affordable type of plan and is mandatory under Indian motor laws. But this plan will not cover your bike if it’s damaged. So if you do want a plan that will cover your scooter’s repair costs, you can get a comprehensive plan or pair this plan with an own damage bike cover.

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Short Term Own Damage Bike Insurance

This plan offers an affordable way to cover your Enfield if you already have a third-party policy and need to cover your scooter against accidents, natural disasters and theft. This is a short-term plan that offers coverage starting from 1 month*. It's ideal for riders who only require coverage for a short period, and it's also more cost-effective than purchasing a 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. E.g., if you hit another vehicle and the rear bumper is completely damaged, this plan can help cover your repair costs. Now, if you only had a third-party plan without this cover, you would have needed to pay for your repairs.

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Key Features of IndusInd Enfield Insurance

IndusInd Royal Enfield Classic insurance combines comprehensive protection with modern digital features to keep your scooter safe on busy Indian roads.

Key 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 and co-payments)
Network Garages	11,000+ authorised cashless garages*
Smartphone-Enabled Claims Process	Quick claims via the Self-i app + 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* (Available as an additional cover)
24/7 Customer Support	Through phone, WhatsApp and email

Reliance’s Heading Second Table

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

Features	Features
Premium starting at	Premium starting at

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

Inclusions & Exclusions

Inclusions and Exclusions of Royal Enfield Classic

Model - Scooter

What's Covered

Accident Damage - Covers your two wheeler's repair costs for damage caused by road accidents, crashes and collisions.

Third-Party Liability - Injury or property damage caused to others.

Natural Disasters - Covers damage due to earthquake, flood, cyclone, lightning and heavy rain.

Theft Protection - Full reimbursement for a stolen vehicle or its parts.

Fire and Explosion - Protection against fire due to electrical faults, fuel leaks or external sources.

Transit Coverage - Protection during vehicle transport by road, rail, air or lift.

Model - Scooter

What's 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 Help Choosing a Bike Insurance Plan?

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Royal Enfield Classic Bike Insurance Add-Ons

Our bike insurance add-ons protect against depreciation deductions, engine repairs, and so much more to offer comprehensive scooter protection for your Enfield. So if you find that you need extra protection in case you live in an accident-prone zone or just want to minimise your out-of-pocket expenses, our add-ons are the way to go.

Depreciation Allowance

Money Saver

This Royal Enfield Classic insurance add-on ensures that you receive a full claim payout without accounting for depreciation on bike parts.

Engine Protection Cover

Extra Bike Protection

This add-on offers financial protection against repair costs for engine damage due to waterlogging or oil leaks.

Roadside Assistance

Extra Bike Protection

With this add-on, we provide 24/7 support for emergencies like breakdowns, flat tyres, or fuel shortages.

Consumables Cover:

Extra Bike Protection

Covers the cost of consumables like nuts, bolts and engine oil during repairs.

Return to Invoice Cover

Money Saver

This Royal Enfield Classic bike cover reimburses the bike’s invoice value in case of total loss or theft.

Emergency Medical Expenses

Money Saver

This add-on cover offers financial coverage for medical expenses in case the driver or the pillion rider sustains injuries.

Additional Third-Party Property Damage Cover

Extra Bike Protection

This cover provides additional coverage against third-party damages than the standard limit.

Additional Personal Accident Cover for the Owner-Driver

Extra Bike Protection

With this add-on, you receive higher coverage for injuries or death caused by accidents than the standard limit.

How to Buy and Renew

How to Buy and Renew Royal Enfield Classic

Model - Scooter

Buy Online

Scroll up to the top of this page and enter your details. To get an instant quote, use the calculator below.

If your two wheeler is brand new, click on "Bought a New Bike".

Select your two wheeler 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.

Model - Scooter

Renew Online

Go to the top of this page and click "Renewal". If you're adding add-ons, you can use the calculator below to check the price.

Enter your mobile number or policy number and click Renew.

Review and modify (if needed) your existing two wheeler policy details.

Make the payment online depending on the price stated

The Royal Enfield Classic policy renewal will be complete

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Factors Affecting Two-Wheeler Insurance Premium

Several factors influence your Royal Enfield Classic insurance premium, from the type of coverage you select to the bike’s specifications and added safety features. Understanding these elements can help you choose the right plan and manage costs effectively.

Type of Coverage

Third-party insurance offers basic protection at a lower cost, while comprehensive plans provide wider coverage, including own-damage protection. For a premium motorcycle like the Royal Enfield Classic, comprehensive coverage is highly recommended as it safeguards against costly repairs and accidental damages.

Make and Model

Premium rates vary by brand, model, and market value. The Royal Enfield Classic, with its 349cc engine and premium cruiser positioning, falls under a higher premium bracket compared to commuter bikes due to its performance and higher IDV.

Vehicle Modifications

Any changes to your Royal Enfield Classic’s original specifications—such as custom exhausts, performance upgrades, or cosmetic modifications—can increase your premium. Modified bikes pose higher risks and may require additional coverage for non-standard parts.

Add-On Covers

Optional add-ons like zero depreciation, engine protection, and roadside assistance can increase your premium. For a heavyweight bike like the Classic, engine protection and zero depreciation are valuable add-ons to ensure full coverage for expensive parts.

Anti-Theft Devices

Installing certified anti-theft systems can reduce your premium through safety discounts. Insurers often offer up to 2.5% discount for bikes equipped with advanced security features, making it a smart investment for Royal Enfield Classic owners.

No Claim Bonus (NCB)

Claim-free years earn you NCB discounts of up to 50% on renewal premiums. This reward system encourages safe riding and helps reduce long-term insurance costs significantly.

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.

How to Claim

How to Claim Royal Enfield Classic ?

How to Claim

Cashless Claim

Step 1

Notify us about the incident to initiate the cashless claim process. You can register your claim using +91 22 4890 3009 or log into your Self-i account.

Step 2

Visit a network garage for vehicle inspection, damage assessment and repairs evaluation. Find your nearest network garage by using the garage locator below.

Step 3

You could also use the Self-i app's video claims feature to conduct a self-inspection. Just tap "Self Inspection" to begin.

Step 4

Submit documents like the claim form, ID proof, insurance and vehicle-related documents (driver's licence, RC book, PUC certificate, etc.).

Step 5

Get repairs done at the network garage and have the expenses covered by us.

Reimbursement Claims

Step 1

Notify us immediately after the incident to begin the Honda Activa claim process. You can do this via phone 022-48903009 (Paid) or online on our website.

Step 2

Choose any garage for vehicle repair and retain the original invoice and receipts.

Step 3

Pay for the repair upfront and collect all payment receipts for submission to the insurer.

Step 4

Submit the claim form along with invoices, receipts and necessary supporting documents.

Step 5

Receive reimbursement for the repair costs after claim approval from us.

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

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Why is this policy important for your family

The Royal Enfield Classic is admired for its retro styling and iconic road presence. Its elegant design and comfortable ergonomics make it a favorite among riders who value heritage and performance. If you accidentally scratch or dent your bike, insurance saves you from paying hefty repair bills for its premium bodywork.

Built with a powerful 349cc engine and sturdy frame, the Classic is designed for durability. However, riding in India’s monsoon season or on uneven roads can expose your bike to water damage and rust. Comprehensive insurance ensures you’re covered for repair costs if your bike suffers damage during harsh conditions.

The Classic offers smooth handling for city traffic and highways, thanks to its advanced suspension and refined engine. But riding in stop-and-go traffic or slippery roads can lead to accidents. Insurance coverage helps you manage repair expenses for damages caused during such conditions.

The Royal Enfield Classic enjoys strong resale demand due to its heritage and reliability. Maintaining this value requires genuine parts and quality repairs, which can be costly without insurance. Partnering with a trusted insurer ensures your bike gets authentic replacements and high-standard servicing.

Royal Enfield Classic Bike-Variants & Prices

Model	Engine	Ex-Showroom Chennai Price
Royal Enfield Bullet 350	349.34 cc	2,30,000
Royal Enfield Continental Gt 650	648 cc	₹3,19,000 - ₹3,45,000
Royal Enfield Super Meteor 650	648 cc	₹3,54,398 - ₹3,78,898
Royal Enfield Interceptor 650	648 cc	₹3,20,000 - ₹3,45,000
Royal Enfield Himalayan	411 cc	₹2,15,000 - ₹2,28,000
Royal Enfield Classic 500	499 cc	Discontinued in India

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 based on your city of residence, bike model, variant, year of purchase and the dealership you are buying your scooter from.

Key Takeaways

Owning a Royal Enfield Classic comes with pride and responsibility. As per the Motor Vehicles Act, 1988, it’s mandatory to have at least third-party insurance to legally ride on Indian roads. Failing to do so can result in fines up to ₹4,000 or even jail time.

The Royal Enfield Classic is a premium motorcycle with high-value components. To protect it from unexpected expenses due to accidents, theft, or natural calamities, IndusInd Bike Insurance (formerly IndusInd General Insurance) offers tailored coverage options. Choose from basic third-party plans to comprehensive policies with add-ons like engine protection and zero depreciation.

Buying a policy is quick and convenient—get insured online in minutes, starting at just ₹19/day*. Benefit from cashless repairs at 11,000+ garages, fast claim surveys within 24 hours*, and up to 50% NCB discounts on renewals without claims.

Model - Scooter

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*!

Secure Your Royal Enfield in Minutes!

With us, you can expect near-instant online processes, so you're never left hanging in the event of an emergency. We also have a 24/7 dedicated customer support team that ensures we follow through on this promise!

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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:
*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.

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: Details mentioned here are for the product- Reliance Two Wheeler Policy- Stand-alone Own Damage (UIN- IRDAN103RP0002V01201920).