TVS Bike Insurance

TVS bikes are known for being dependable, fuel-efficient and fun to ride, making them a go-to choice for both daily commuters and weekend riders. Whether it's the sporty TVS Apache or the efficient TVS Raider, these bikes are built to handle Indian roads while keeping ride comfort and performance top-notch. Still, even with a reliable TVS, unexpected issues can arise.

Let’s say you're riding through traffic and hit an open pothole; you could end up with a bent alloy or damaged suspension. Without bike insurance, such repairs can be expensive. But with the right policy, these costs are taken care of for you.

That’s where IndusInd Bike Insurance (earlier Reliance Bike Insurance) comes in. With fast claims through the Self-i app, you’re covered anytime, whether you’re zipping through city traffic or just running errands nearby. Our rider-friendly policies ensure your TVS stays protected, no matter where the road takes you.

Why US

Why Everyone Trusts IndusInd Bike Insurance

TVS Bikes, which are known for their reliable performance and a perfect blend of modern features, deserve protection that caters to the needs of TVS bike owners. IndusInd General Insurance (previously known as Reliance General Insurance) offers flexible coverage to ensure long-term, cost-efficient protection against a wide range of risks.

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 TVS Bike Insurance?

Legal Mandate for All Owners

If you ride a TVS without at least third‑party insurance, you risk a ₹2,000 fine or even imprisonment for up to three months under the Motor Vehicles Act of 1988. Every TVS bike must be insured right after registration. Don’t wait until a traffic check catches you unprotected.

Covers Repair Costs

City roads with potholes, bumps and bad stretches are tough on bikes. If your TVS Apache, RTR or Raider rides over one poorly, you could damage the fork, suspension or frame. These repairs cost serious money. With TVS bike insurance, your “own damage” cover helps pay for repairs so you don’t have to empty your pocket when the unexpected happens.

Covers Bike Theft

Bike theft is rising in big cities. In Bengaluru alone, over 13,000 two‑wheelers were stolen in 2.5 years. TVS models like Apache are targeted too. With a solid insurance plan, if your bike is stolen, you receive the IDV (insured declared value) amount, so you don't bear the full financial loss of losing your ride.

Covers Floods, Storms & More

During monsoons, floods, or storms, your TVS bike could get damaged or waterlogged. Water damage can wreck the engine, wiring and cause severe rust. These are expensive fixes. But comprehensive insurance covers damages from natural disasters too. Whether your bike is hit by floods or storms, you’re protected, and repair costs don’t fall solely on you.

Covers Fire & Fire‑Related Damage

In tight city parking or unsecured spots, a fire or electrical short circuit could spread fast and severely damage your TVS bike. Without protection, repairs could be expensive. Insurance policies cover fire-related damage, so if the worst happens, you’re not stuck covering the full cost of restoring or replacing your bike.

Network Garages & Genuine Spare Parts

Getting your TVS bike fixed is one thing; getting it fixed right is another. Many garages use cheap spare parts, hurting performance and safety. With our network garages, you get genuine parts and trained mechanics you can trust. That way, your bike’s value and reliability stay intact, even after a claim.

Types of TVS Bike Insurance

Comprehensive Bike Insurance

This is the most complete insurance plan for your TVS bike. It not only covers damage to your own bike in case of an accident but also covers any harm caused to other people or their vehicles. For example, if your TVS Apache hits another vehicle, this plan will pay for both your repairs and the third party’s damages. It also protects against theft, fire, floods and natural disasters, giving you all-round protection.

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Short-Term Damage Bike Insurance

This plan works well if you have third-party cover and need protection for your TVS against damage. Coverage can be chosen for as short as 1 month. If you use your bike only during certain seasons, you can buy protection for just that time. It costs less than a full annual policy.

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Long-Term Damage Bike Insurance

This plan protects your TVS from damage caused by accidents, theft, floods and storms, offering 1 year protection with annual renewal. If an accident damages your motorcycle, it pays for the repair expenses. It offers value compared to purchasing a new comprehensive policy at every renewal.

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Third Party Bike Insurance

This is the basic insurance plan required by law for every TVS bike owner. It covers any injury or damage you might accidentally cause to someone else or their property while riding. However, it doesn’t cover your own bike’s repair costs. If you want your TVS Raider or Apache to be covered too, you’ll need to go for a comprehensive policy.

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Key Features of TVS Bike Insurance

TVS bikes require protection as dependable as they are. Explore our broad range of insurance plans that cover accidents, theft and EV parts with comprehensive features and an easy claim process.

Key Feature	Description
Starting Premiums	Just ₹19 monthly*
Coverage	Comprehensive, third-party or own damage
Discounts	Save 80% online*
Cashless Claims	Repairs without paying upfront
Network Garages	11,000+ service centres available*
Smartphone-Enabled Claims	File claims through the Self-i app
Instant Purchase/Renewal	Buy/Renew policy in minutes
Add-Ons	13 extra protection options with 3 EV-specific covers*
Personal Accident Cover	₹15 lakh accident protection*
24/7 Customer Support	Help is available all day

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

TVS 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.

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TVS Bike Insurance Add-Ons

Nil Depreciation

Money Saver

Covers the full cost of fibre, plastic and rubber parts without depreciation deduction. TVS bikes often have fibre panels, side fairings or mudguards, which can be pricey to replace after a crash. This add-on ensures you get the entire claim amount, not just a part of it.

Engine Protector

Extra Bike Protection

Protects your TVS bike’s engine, gearbox and internal components from damage due to water entry, oil leakage or accidental impact. Ideal for riders in monsoon-prone areas, where water can easily reach sensitive engine parts, leading to expensive repair bills not covered by basic insurance.

Consumable Cover

Money Saver

Pays for small yet essential parts like engine oil, nuts, bolts and brake fluid used during repairs. These aren’t usually covered under regular bike insurance. With this add-on, you won’t need to pay extra for basic items that can otherwise increase your total repair bill.

Key Replacement

Bike Protection

Lost your TVS bike key? This cover takes care of key replacement costs and even covers lockset replacement if required. It's especially useful for riders using digital or remote-start keys, which are costlier than regular ones.

Helmet Cover

Extra Bike Protection

If your helmet is stolen or damaged in an accident, this add-on covers the cost of replacing it. For TVS owners, especially Apache or Ronin riders who use premium riding gear, this add-on ensures your safety gear is protected, too.

Tyre Protection

Extra Bike Protection

Covers repair or replacement costs of tyres damaged due to potholes, sharp objects or road debris. It also includes wheel balancing and labour costs. This is perfect for protecting tubeless tyres that come standard on most TVS models.

Rim Protector

Extra Bike Protection

Covers damage to your TVS bike's wheel rims from potholes or accidents. This add-on handles rim replacement costs, fitting charges, wheel balancing services and materials needed to restore your wheels completely.

Return to Invoice (RTI)

Money Saver

Get the full invoice amount if your TVS bike gets stolen or totalled in an accident. This cover bridges the gap between your bike's depreciated value and original price, so you can afford a replacement easily.

NCB Retention Cover

Money Saver

Helps you retain your No Claim Bonus even after making one approved claim during the policy year. So, if you’ve been riding your TVS Raider carefully but had a minor mishap, your renewal discount stays intact.

EMI Protection Cover

Money Saver

If your TVS bike stays in the garage for over 21 days after an accident, this add-on covers up to 3 EMI payments on your loan. It’s great for Apache or Ronin riders who’ve financed their bike and want to avoid double financial stress during long repairs.

Hospital Cash Cover

Money Saver

Receive daily financial support during hospitalisation from bike accident injuries lasting over 24 hours. After 7 days of admission, you will get an additional payout to manage medical bills and recovery expenses.

Daily Allowance Cover

Money Saver

Get a fixed daily amount for alternate travel if your bike is in the garage for more than 2 days after an accident. This means you won’t have to shell out extra for cabs or autos while your TVS Apache is being fixed.

Two-Wheeler Assistance

Extra Bike Insurance

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.

Voluntary Deductible Cover

Money Saver

Lower your premium by agreeing to pay a small amount upfront for each claim. You contribute this fixed deductible first, and your policy takes care of the rest of the repair expenses for your TVS bike.

EV Battery Protection Cover

EV Bike Protection

This add-on covers the cost of repairing or replacing your TVS iQube’s lithium-ion battery if it gets damaged due to an accident, water, fire or electrical surges. Since the battery is the most expensive part, this cover is essential for long-term savings.

EV Motor Protection Cover

EV Bike Protection

If your TVS iQube’s motor is damaged by water, electrical faults or an accident, this pays for repair or replacement. It’s especially useful during heavy rains or for riding in areas prone to waterlogging. Since motor repairs are expensive, this cover protects your EV’s performance and your wallet.

EV Charger Cover

EV Bike Protection

This cover protects your TVS iQube’s home charger from damage caused by flooding, fire, power surges or even accidental impact. As EV chargers are sensitive, this ensures you’re not hit with surprise repair costs if your charger is damaged.

How to Buy and Renew

How to Buy/Renew TVS 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 TVS Bike Insurance Premiums

Type of Coverage

Your TVS bike insurance premium depends on the type of plan you choose. A third-party policy covers only third-party damage and is cheaper. A comprehensive plan covers accidents, theft, fire and more for your own bike. Since coverage levels differ, so do premiums. Picking the right plan based on your bike’s usage and risks helps you balance protection with cost.

Impact of Make and Model

The model of your TVS bike directly affects your insurance premium. Premium bikes like the TVS Apache RR 310 may cost more to insure due to their higher ex-showroom price and performance specs, compared to commuter models like the TVS Radeon. Engine size, build quality and parts availability all influence the risk factor, which is considered when calculating the premium.

Modifications of the TVS Bike

Custom exhausts, alloy wheels or any cosmetic or performance upgrades on your TVS bike can raise your insurance cost. These changes may make your bike more valuable but also riskier and costlier to repair. For example, a modified Apache with a custom fairing might need special parts after an accident, thus increasing the premium.

Choosing the Right Add-On Covers

TVS riders often choose add-ons like zero depreciation, roadside assistance or engine protection for complete safety. These add-ons offer valuable coverage, especially if you ride long distances or live in flood-prone areas. However, each one adds to your premium. Pick only those that suit your bike model and riding style to avoid overpaying while staying protected.

Adding Anti-Theft Protection to Your Bike

Installing certified anti-theft devices, like disc locks or GPS trackers, can reduce your insurance premium up to 2.5%*. This is especially useful for high-demand bikes like the TVS Apache series, which are more likely to be targeted by thieves. These security features lower risk, making your bike safer and slightly cheaper to insure.

No Claim Bonus (NCB) Savings

Riding safe and not filing claims for a full policy term earns you a No Claim Bonus (NCB). You can save up to 50% on your premium over consecutive claim-free years.* For regular commuters using a TVS Raider or Star City, this adds up to major savings at renewal 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.

How to Claim

TVS 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.

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Insure the Best Parts of Your TVS Bike

Many TVS models like the Apache RTR and Raider 125 come with Bluetooth-connected digital consoles that show ride stats, navigation alerts and call notifications. While these features add convenience and modern appeal, they also include fragile internal components and screens that can get damaged in an accident or fall. Replacing a digital meter can cost thousands. A comprehensive bike insurance plan ensures this tech is protected with cashless repairs and genuine parts.

Modern TVS bikes are equipped with LED headlamps and stylish DRLs that not only enhance road presence but also improve visibility during night riding or rain. However, these parts are expensive to replace if broken due to a crash or debris on the road. Insurance helps cover the cost of replacing or repairing these lights, which is especially useful since headlamp units are among the most commonly damaged bike parts.

TVS Apache and Ronin bikes feature high-performance telescopic or USD front forks and mono-shock rear suspension, offering better comfort and control on Indian roads. But hitting a pothole or speed bump at high speed can misalign or damage your suspension. Insurance protects you from unexpected repair bills by covering accidental damage, especially if you frequently ride on rough roads or commute daily.

TVS bikes are known for their sporty styling, sculpted fuel tanks, aerodynamic fibre panels and sharp edges that enhance street appeal. But even a low-speed skid can scratch or crack these parts, which aren’t cheap to replace. Since cosmetic damage affects both the look and resale value, insurance ensures repairs are handled professionally with OEM parts, without you paying out of pocket.

TVS Bikes - Models and Prices

TVS brings various bike designs, from sporty and electric bikes to scooters and three-wheelers. The variety of bikes to suit all types of riders and modern, affordable features make it a preferred choice among Indians.

TVS Bike Models	Prices (as of October 2025)#
TVS Apache RTX	₹1,99,000
TVS Ronin	₹1,24,453
TVS Raider	₹80,500
TVS Radeon	₹55,100
TVS StaR City+	₹72,200

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: 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 bike from. The prices mentioned above have been taken from this source.

Key Takeaway

TVS Bike Insurance gives you complete protection for your sporty and reliable ride, covering accidents, fire, floods, theft and more. Whether you ride the Apache RTR, Raider 125 or Ronin, insurance helps you stay worry-free on every trip while meeting legal requirements for Indian roads.

With IndusInd General Insurance (formerly Reliance General Insurance), you can get insured for as little as ₹19 per month*, making it easy and affordable to protect your TVS bike. Our 100% digital purchase process means you can buy or renew your policy online in minutes — no paperwork, no hassle.

We also give you access to 11,000+ authorised garages* across India for cashless repairs, so you don’t have to pay upfront for covered damages. And with the Self-i App, you can file claims through a quick video inspection — no forms, no delays.

You also enjoy big savings with us up to 80% off on online plans*, up to 50% No Claim Bonus. So, why wait? Insure your TVS bike today with IndusInd General Insurance and enjoy stress-free rides every day!

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.

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IndusInd Offer Insurance for Royal Enfield Bike Models

While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

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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.