Bajaj Bike Insurance

Bajaj has gained popularity over time, establishing itself as one of the first companies to introduce budget-friendly bikes and scooters in India. The company is currently undergoing steady growth, as reported by a 5% year-on-year sales increase in August 2025. If you own a Bajaj bike, you get excellent performance, unmatched mileage, and feature-rich looks - all at a value-for-money price.

Despite the reliability offered by Bajaj bikes, you must still plan for emergency repair needs in advance to avoid financial strain. Suppose you are riding to the office through a waterlogged area, and suddenly your bike hits a deep pothole. This accident can cause the tyres to be punctured, bend the alloy rims, or break suspension parts. With bike insurance, you can opt for cashless repairs and prevent unforeseen expenses.

This is where IndusInd General Insurance (formerly Reliance General Insurance) comes to the rescue. We provide affordable bike insurance online starting at ₹19 per month*. You can register on our Self-i platform and easily buy/ renew your bike insurance. The best part is that our customer support personnel are friendly and provide the right details to help you choose a valuable plan. Their goal is to ensure you get the best coverage for your bike while staying on a budget.

Why US

Why Everyone Trusts IndusInd Bike Insurance

IndusInd Bike Insurance offers you a wide range of benefits that make your daily commute smooth and safe. You can get single-year coverage as well as long-term bike insurance from us, protecting your bike from any damage for up to 5 years.

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 Bajaj Bike Insurance?

Legal Mandate for All Riders

Third-party bike insurance is compulsory for all those legally driving in India. It acts as a liability insurance plan that protects you from claims registered by others in an accident. If the police catch you riding without a valid Bajaj bike insurance policy, you will be fined between ₹2,000-₹4,000. In worst-case scenarios, you may face imprisonment too. So, it is advised to get your bike insured after buying it.

Covers Repair Costs

From the iconic Bajaj Pulsar series to the more sporty Pulsar NS variants, these bikes are equipped with large wheels known for their durability and long-lasting performance. Still, constant riding over uneven roads and potholes may suddenly cause an unfortunate accident. In such a situation, you can cover repair expenses with a standard bike insurance plan.

Protects Against Theft

Many cities in India, like Delhi, Chennai, and Bengaluru, have growing problems with bike theft. In 2023, some reports indicated that roughly 105 vehicles were stolen each day in Delhi NCR. While you can be cautious and avoid parking in secluded areas, it is best to opt for bike insurance coverage to ensure your savings are protected. If your bike is stolen, your insurer will reimburse you up to the policy’s IDV.

Covers Natural Disasters like Cyclones

Several districts across states like West Bengal, Odisha, Andhra Pradesh, Tamil Nadu, and Gujarat frequently experience cyclones. If your Bajaj bike is parked outdoors, strong winds can topple it, or debris may fly onto it, damaging body panels, lights, mirrors, and other accessory parts. So, you can own bike insurance to keep yourself protected from natural disasters like cyclones, floods and earthquakes.

Covers Fire Damage

Your Bajaj bike remains at a high risk of an electrical short circuit if its battery connection is faulty or if accessories, such as the horn or LED lights, are installed incorrectly. If heat builds up, materials near your bike’s battery terminals can catch fire. This is why it is recommended to have a bike insurance plan, as it protects you from accidental fire damage.

Network Garages and Genuine Spare Parts

You can get quick, cashless repairs at 11,000+ network garages* with our Bajaj bike insurance. This reduces out-of-pocket expenses and guarantees customer satisfaction as you get quality service and genuine Bajaj automotive spare parts. Our team coordinates with the garage mechanics throughout the process and settles the bill on your behalf with utmost transparency.

Types of Bajaj Bike Insurance Plans

Comprehensive Bike Insurance

This plan offers extensive protection and pays for your damages, as well as covers third-party liabilities. From accidents and total loss to damage from natural calamities, it saves you from many threats, offering maximum coverage. Suppose you hit another commuter’s bike, damaging its light and body panel. If you have bike insurance, it will cover your legal liabilities as well as your own repair expenses.

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Third-Party Bike Insurance

Third-party insurance covers your compensation expenses if you accidentally damage another person’s property or injure them in a bike accident. It is perfect if you want the basic coverage. But, this plan may not be ideal for someone who rides frequently, as it does not cover own damage costs. To get personal accident protection affordably, you can buy an Own Damage (OD) cover with third-party bike insurance.
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Own Damage Bike Insurance

This standalone OD bike cover only pays for the accident repair costs of your Bajaj bike. You can buy it if you already have third-party bike insurance. Consider adding this cover to your basic third-party liability insurance when you are unsure about bike usage throughout the year. It is cheaper than comprehensive Bajaj bike insurance and can be taken for a few months rather than a yearly plan.

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Key Features of IndusInd Bajaj Insurance

IndusInd Bajaj Bike Insurance allows you to request cashless repairs at more than 11,000 authorised network garages* across India. It combines comprehensive protection with flexibility, where you can adjust the extent of coverage based on your driving needs.

Key Features	Descriptions
Premiums	Starts from ₹19 per month*
Coverage Provided	Own Damage + Third Party (You can buy separately or together)
Online Purchase Discount	Maximum 80% off*
No Claim Bonus Discount	Maximum 50% off*
Cashless Repairs	Policyholders need not pay anything* except for deductibles
Network Garages	11,000+ garages available*
Online Claims Process	Paperless claim through the Self-i app + 24-hour survey for in-person inspections
Policy Buying/ Renewal	Can be completed through Self-i and our website
Optional Add-Ons	10 add-ons are available*
Personal Accident Cover	Up to ₹15 lakh PA cover (available as an add-on)
24/7 Customer Support	Via phone, email and WhatsApp

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

Inclusions & Exclusions

Bajaj 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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Bajaj Bike Insurance Add-ons

Feeling confused about which add-ons will truly help maximise protection for your Bajaj bike? No need to worry! We offer a wide range of optional add-ons like the Zero Depreciation, Engine Protect, Tyre Protection, etc., that can help you reduce your out-of-pocket costs when you raise a claim.

Zero Depreciation

Best Seller

Gives you full coverage for damaged parts of your Bajaj bike after an accident. Without it, you will need to pay a small part of the claim amount as the insurer makes depreciation deductions based on IRDAI-stated rates.

Engine Protector

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Protects you from financial strain caused by accidental engine damage from floodwater or accidents. It also pays for associated costs, including lubricants, towing costs to a nearby garage and oil top-ups.

Consumable Cover

Best Seller

With this optional add-on, you can secure additional compensation for consumable products like engine oil, nuts, bolts, brake fluid, etc., which are not a part of the standard Bajaj bike insurance policy.

Return to Invoice (RTI)

Best Seller

The RTI cover helps you recover your bike’s original invoice amount if it is damaged beyond repair due to an accident or is stolen. We also make sure you get back the road tax, registration fee, and insurance premiums.

Key Replacement Cover

Best Seller

Reimburses you for sudden replacement costs of your lost, stolen or damaged bike key. You can consider combining this cover, particularly if you own a new bike that has a complex or expensive electronic key.

Helmet Cover

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Offers you sufficient cash to replace your bike helmet if it is stolen or damaged in an accident. You can get this add-on for a slightly higher premium, but it can save you thousands, as some helmets are really expensive.

Tyre Protection

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Manages cashless tyre repairs and replacements if any of your bike tyres are bulged or cut due to poor road conditions. It also covers the associated wheel balancing and labour expenses.

NCB Retention Cover

Best Seller

You can add this useful cover to your Bajaj bike insurance to carry forward your NCB benefits even after making one claim every year. It allows you to reduce the overall premium while you make a claim every time.

EMI Protection Cover

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Takes care of up to 3 EMIs if your bike repair exceeds 21, 42, or 63 days* in a garage following a road accident. It ensures you never miss any loan repayment, even while your motorcycle is undergoing extensive repairs.

Daily Allowance Cover

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If your bike repairs from an accident exceed two days, you will receive a daily travel allowance. This assistance covers your travel costs during the period your Bajaj bike is undergoing repairs.

Voluntary Deductible Cover

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If you choose a voluntary deductible (an amount you agree to pay from each claim before we cover the rest), your premium is reduced. But remember, for every claim (even if your bike is a total loss), you have to pay this amount first before your insurance coverage kicks in.

Rim Protector

Best Seller

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.

Two-Wheeler Assistance

Best Seller

By opting for this, you are covered with 24/7 assistance for any mechanical failures, flat tyres, emergency fuel needs, or key loss, so help is always at hand.

Hospital Cash Cover

Best Seller

Gives you a daily payout during hospitalisation of over 24 hours caused by injuries sustained in a bike accident. The coverage begins during your hospital stay with a fixed sum as mentioned in your policy.

How to Buy and Renew

How to Buy/Renew Bajaj 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 Bajaj Bike Insurance Premiums

The cost of insuring your Bajaj bike depends on multiple factors, including the bike’s age, its price, and the insurance coverage type you wish to get.

Type of Coverage

Trying to add more coverage results in a higher insurance premium. For example, a third-party plan only takes care of your legal liabilities and is thus the cheapest option. With slightly more premium, you can obtain full accident damage protection under comprehensive bike insurance. This type of coverage can help you save in the long run, as it protects you from accidents, natural disasters, total loss, and theft.

Add-On Covers

Add-ons are optional coverages like nil depreciation, helmet cover, tyre protector, etc., that you may combine with your comprehensive bike insurance plan. These elements enhance your bike's protection, and you must select them based on how you use your Bajaj bike on a daily basis. Any uninformed decision made while purchasing add-ons can unnecessarily increase your plan premium.

Make and Model

Insurance premiums are influenced by factors like your bike's market value, model, and engine capacity. For example, a third-party insurance plan for Bajaj Pulsar 150 typically costs about ₹714 annually, as per IRDAI brackets. Meanwhile, a Pulsar N160 owner can expect to pay close to ₹1,366 for a similar one-year policy, as higher coverage is required for this specific model.

Anti-Theft Protection

If your bike is stolen, the insurer naturally verifies whether you had taken sufficient safety measures to prevent theft. Processing of your claim occurs after the insurance company confirms that you did not make careless mistakes, including leaving the key in the ignition. So, to reduce the chances of theft, consider installing approved anti-theft devices that will bring down your bike insurance premium by 2.5%*.

Bike Modifications

Modifying a bike can truly elevate its performance and aesthetics, but it can also cause a significant financial loss if any of the accessories are damaged in an accident. If you have modified your Bajaj bike, you need to add each modification separately under the insurance plan, which will increase the premium. Thus, the more modifications, the higher the insurance premium.

No Claim Bonus (NCB)

With us, claim-free years will earn you up to 50% discount* on renewal premiums of your Bajaj bike insurance. For instance, if you have already gathered 20% NCB and your bike insurance’s annual premium is ₹5,000, you will save approximately ₹1,000 in your next renewal while getting the same coverage benefits. This factor encourages safe riding and minimises long-term insurance costs.

Disclaimer: The discount percentages given here can change depending on the age of the bike, bike 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

Bajaj 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 Bajaj Bike

With a durable design, Bajaj bikes are renowned for long-term use. Whether you prefer the Pulsar’s energetic acceleration or the Platina’s economical fuel consumption, these bikes guarantee smooth power delivery for both urban and highway riding. Although they are sturdy against normal wear and tear, you might have to go for costly engine or clutch repairs if there is a road accident. This is where standard bike insurance comes into the picture, as it keeps your bike running like new without any financial strain.

Bajaj's engineering excellence is evident in their bikes, which utilise DTS-i engines for efficient combustion and are equipped with features like Nitrox suspension and LED projector headlamps. These technologies level up your experience and give consistent stability and visibility on long rides or at night. But if there is an accident, some of these parts, like the suspension system, fuel injectors or electrical units, can get damaged. With bike insurance, you can easily replace them and continue enjoying a confident ride.

Irrespective of whether you ride on uneven village roads or smooth highways, Bajaj bikes are built to handle all kinds of Indian terrains. Their efficient braking technologies and tough frames make them reliable on every type of track. But unfortunately, you can damage the wheel rims or the braking system by accidentally hitting a deep pothole. With a valid insurance plan, you can ride worry-free knowing that these damages are covered by us.

As Bajaj bikes have a high reputation for their affordability and robustness, their models retain value even after a few years of use. You can maintain these bikes at a relatively low cost. Yet, unforeseen incidents like theft, collision, or fire can quickly cause financial setbacks by damaging crucial parts. So, you can buy IndusInd Bajaj bike insurance, as we connect you with more than 11,000 network garages*. Here, you can opt for cashless repairs, so you do not have to worry about out-of-pocket expenses.

Bajaj Bikes - Models and Prices

Bajaj Bike Model	Engine Capacity	Price (Ex-Showroom)
Platina 100	102 cc	₹ 66,053
CT 110	115.45 cc	₹ 67,411
Pulsar 125	124.4 cc	₹ 80,004
NS125	124.45 cc	₹ 92,183
Pulsar 150	149.5 cc	₹ 1,05,361
Chetak	53 km per single charge	₹ 1,07,149
Avenger Street 160	160 cc	₹ 1,12,256
Pulsar N160	164.82 cc	₹ 1,13,666
Pulsar NS160	160.3 cc	₹ 1,21,393
Pulsar 220 F	220 cc	₹ 1,27,470
Avenger Cruise 220	220 cc	₹ 1,37,362
Pulsar RS 200	199.5 cc	₹ 1,72,025
Dominar 250	248.8 cc	₹ 1,77,273
Pulsar NS400Z	373 cc	₹ 1,92,884
Dominar 400	373.3 cc	₹ 2,39,177

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

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

Key Takeaway

Most riders prefer Bajaj bikes as they use cutting-edge technology that ensures excellent fuel economy. Also, the brand is committed to continuous innovation, as seen in its recently launched Freedom 125, which was rolled out in July 2024. It became the world’s first CNG-powered bike that can achieve up to 101km/kg on CNG thus cutting fuel consumption by about 50%.

With IndusInd General Insurance (formerly Reliance General Insurance), you can get protection for your Bajaj bike at just ₹19/month*. Our online buying process can be completed quickly through the Self-i app, where you can check various coverage offerings with up to 10 optional add-ons*.

You can consider buying our policy online to save up to 80%* on your plan premium. For existing customers, we offer a no claim bonus discount of a maximum of 50%*. So, if you are thinking about purchasing a Bajaj bike insurance plan soon, do not delay any further!

Our customer service representatives are available 24/7 to help. You can contact them for any assistance related to buying, renewing or claiming your bike insurance. They will offer you friendly guidance and help you secure the best coverage while staying within your budget.

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Reliance General Insurance

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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 Bajaj Bike Models

Platina

Pulsar 150

Dominar 400

Pulsar 220

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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.