Hero Splendor insurance starting at just ₹19/month*
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Up to 80% Online Discounts*
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11,000+ Network Garages*
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AI-Assisted Claims via Self-i
Hero Splendor Insurance
Thinking of buying a Hero Splendor? You're choosing a bike known for its durability, fuel efficiency, and everyday reliability. But while the Splendor is built to last, unexpected events like accidents, theft, or natural disasters can lead to costly repairs. That’s why securing your investment with a solid insurance plan is just as important as the purchase itself.
Reliance General Insurance offers specially designed Hero Splendor two-wheeler insurance plans that cater to your riding habits, budget, and protection needs. Whether you’re looking for basic third-party coverage or a comprehensive policy with add-ons like zero depreciation or engine protection, we’ve got you covered.
Enjoy the convenience of buying your policy online in minutes and get up to 80% premium discounts** on digital purchases. With fast claim settlements, cashless repairs at thousands of garages, and flexible renewal options, Reliance ensures your Hero Splendor stays protected wherever the road takes you.
IndusInd General Insurance (formerly Reliance General Insurance) provides comprehensive protection for your Hero Splendor along with reliable 24/7 customer assistance and an extensive cashless garage network, ensuring your daily rides stay smooth, safe and stress-free.
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 do you Need Bike Insurance for your Hero Splendor?
Legal Obligation
Owning a Hero Splendor isn’t enough—you must also have valid third-party liability insurance. Under the Motor Vehicles Act, riding without this coverage is against the law. It’s mandatory to protect others from any damage caused by your bike.
Financial Protection
Hero Splendor insurance acts as a safety net, shielding you from unexpected expenses due to accidents, theft, or natural and man-made disasters. It covers both your own bike and third-party liabilities, ensuring you’re financially secure on the road.
Protection Against Unforeseen Risks
Road journeys are unpredictable. Insurance safeguards you from sudden mishaps, whether it’s a collision, damage during transit, or loss due to calamities—helping you stay prepared for any situation.
Hassle-Free Ownership
Insurance makes owning and riding your Hero Splendor stress-free. From covering repair costs to handling third-party claims, it ensures you enjoy your bike without worrying about unexpected financial burdens.
Types of Hero Splendor Bike Insurance Plans
Comprehensive Hero Splendor Insurance
This all-in-one plan offers complete protection for your Hero Splendor and covers third-party liabilities. It includes coverage for accidents, theft, fire, and natural or man-made disasters. With the widest range of benefits, comprehensive insurance ensures maximum security for your bike. Long-term policy options are also available for added convenience.
Third-Party Hero Splendor Insurance
Mandatory under the Motor Vehicles Act, this policy covers financial liabilities if your Hero Splendor causes damage to others. It ensures legal compliance at an affordable cost. Our 5-year long-term third-party plan offers fixed premium rates with no revisions* and requires only a single payment at the time of purchase.
Short-Term Own Damage Bike Insurance
Ideal for Hero Splendor owners who already have third-party coverage, this plan focuses on safeguarding your bike from accidental damage. It offers flexible durations starting from 1 month*, making it perfect for riders who need temporary protection. If you travel occasionally and want coverage for a short period, this cost-effective plan is a smart choice.
Long-Term Own Damage Bike Insurance
This policy protects your Hero Splendor against damage caused by accidents, theft, or natural calamities. With coverage for one year and easy renewal options, it’s a practical and affordable alternative to buying a new comprehensive plan every time.
Key Features of Royal Enfield Insurance
Hero Splendor bikes deserve protection that matches their reliability and popularity. That’s why choosing a dedicated insurance plan is essential—offering coverage against accidents, theft, and unexpected damages, along with rider-focused benefits and hassle-free claims designed specifically for Hero Splendor owners.
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.
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.
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 Guidance on Bike Coverage?
Talk to Our Professional Advisors
Hero Splendor Bike Insurance Add-ons
Our Hero Splendor insurance add-ons provide additional safety against unexpected expenses and risks. If you ride in accident-prone areas or want to reduce repair costs, these add-ons help you save more over time.
Nil Depreciation
Money Saver
This cover ensures you get the full cost of replaced parts without any depreciation deductions. It guarantees maximum claim amount and complete protection during repairs.
Engine Protect
Extra Bike Protection
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.
Consumable Cover
Money Save
Regular insurance doesn’t pay for essential items like engine oil, nuts, bolts, and brake fluid. This add-on covers all consumable costs during accident-related repairs.
Key Replacement
Extra Bike Protection
Lost keys can cause security risks and inconvenience. This cover pays for new keys and lock replacement to keep your Hero Splendor secure.
Helmet Cover
Extra Bike Protection
Your helmet can get damaged or stolen during daily rides. This add-on reimburses the cost of replacing your helmet after accidents or theft.
Tyre Protection
Extra Bike Protection
Poor road conditions can damage tyres and affect safety. This cover handles tyre repairs, replacement, and wheel balancing costs.
Rim Protector
Extra Bike Protection
Accidental rim damage can make your bike unsafe. This add-on pays for rim repair or replacement, labour charges, wheel alignment, and consumables.
Return to Invoice (RTI)
Money Saver
If your Hero Splendor is stolen or completely damaged, this add-on ensures you get the original invoice value, including registration and road tax.
NCB Retention Cover
Money Saver
Making a claim usually removes your No Claim Bonus. This smart add-on lets you claim once a year while keeping your discount benefits intact.
EMI Protection Cover
Money Saver
Extended repairs after major accidents can strain your budget. This cover pays up to 3 EMI installments if your bike stays in the garage for more than 21 days.
Hospital Cash Cover
Money Saver
If you’re hospitalized for over 24 hours due to an accident, this add-on gives you a daily cash allowance. Longer stays mean additional payouts for recovery.
Daily Allowance Cover
Money Saver
When your bike is in the garage for repairs, this add-on provides daily money for alternative transport for over 2 days*
24/7 Bike Assistance
Extra Bike Protection
Breakdowns, flat tyres, or lockouts can happen anytime. This add-on offers nationwide roadside assistance and towing services for your Hero Splendor.
Voluntary Deductible Cover
Money Saver
Opting for a voluntary deductible lowers your premium. You agree to pay a fixed amount per claim before insurance covers the rest.
E-Bike Battery Protect
For EV variants)
Covers repair or replacement costs for your EV bike’s battery if damaged by power surges, water, or accidents.
Electric Motor Protect
EV Bike Protection
Provides financial support for repairs or replacement of the electric motor, differential, or transmission units in case of water damage or oil leakage.
E-Bike Charger Cover
EV Bike Protection
If your EV charger or its parts get damaged due to fire, flooding, or accidents, this add-on covers repair or replacement costs.
Up to 80% Discount*
Quick Claims on Mobile
11,000+ Cashless Garages*
Factors Affecting Hero Splendor Bike Insurance Premium
Type of Coverage
The premium for your Hero Splendor depends on the coverage you choose. Third-party insurance is the most affordable but doesn’t protect your bike against damage or theft. Comprehensive insurance costs slightly more but offers complete protection against accidents, natural calamities, and theft—giving your Hero Splendor full security.
Anti-Theft Devices
Installing certified anti-theft devices like GPS trackers, alarms, or engine immobilizers can help reduce your premium. These devices make your Hero Splendor more secure and lower theft risk, which insurers reward with discounts. Adding these features not only protects your bike but also saves money on insurance.
Vehicle Modifications
Any modifications to your Hero Splendor—such as engine upgrades, custom paint, or performance enhancements—can increase your premium. These changes raise the bike’s value, and insurers need to know about them. Always disclose modifications honestly, as hiding them could lead to claim rejection.
Make and Model
Your Hero Splendor’s model plays a key role in deciding the premium. Standard models are cheaper to insure compared to high-end or performance bikes, which have higher market value. Bikes with larger engines attract higher premiums due to costly spare parts and repairs. Essentially, the bike you own determines your yearly insurance cost.
Add-On Covers
Add-ons enhance your Hero Splendor insurance by offering extra protection at an additional cost. Popular options include engine protection, zero depreciation, and roadside assistance. These add-ons can save you from major expenses in case of accidental damage. Choose add-ons based on your riding habits and usage.
No Claim Bonus (NCB)
NCB is a reward for not making claims during your policy term. It starts at 20% after the first claim-free year and can go up to 50% after five consecutive years*. This bonus is transferable even if you switch insurers, helping you save significantly on premiums. Avoiding claims whenever possible keeps your insurance costs low.
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.
Please Note: To find the complete list of claims documents you can visit our motor claims page.
Insure the Best Parts of Your Hero Splendor
Hero Splendor Bike - Model and Prices
Features | Price |
|---|---|
Splendor Plus | ₹76,066 (Ex-showroom) |
Splendor iSmart 110 | ₹58,400 (On-road) |
Super Splendor | ₹51,838 (Ex-showroom) |
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
Buying a Hero Splendor is a smart choice for daily commuting and long-term reliability—but protecting it is just as important. As per the Motor Vehicles Act, 1988, every bike owner must have at least third-party insurance to legally ride on Indian roads. Failing to comply can lead to fines up to ₹4,000 or even jail time.
The Hero Splendor may be economical, but unexpected incidents like accidents, theft, or natural disasters can still result in costly repairs. That’s where IndusInd Bike Insurance (formerly Reliance General Insurance) steps in—offering coverage options from basic third-party liability to comprehensive plans with useful add-ons like engine protection and zero depreciation.
You can buy your policy online in minutes, starting at just ₹19/day*. Enjoy cashless repairs at 11,000+ garages, fast claim surveys within 24 hours*, and up to 50% NCB discounts on renewals without claims.
Ride worry-free—choose IndusInd General Insurance for dependable protection every time you hit the road.
Bike insurance starting at just ₹19 per month*
Secure Your Hero Splendor in Minutes!
Fast online processes mean zero delays in emergencies. Plus, our 24/7 support team ensures complete peace of mind!
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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).
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