Hero Bike 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 App
Hero Bike Insurance
Hero bikes are known for their practicality, fuel efficiency, and dependable performance, making them a favorite among riders across India. These versatile machines are perfect for daily commutes and long rides, appealing to those who value comfort and reliability.
However, while riding your Hero bike on busy city roads or scenic highways, unexpected situations like sudden weather changes or slippery surfaces can lead to accidents. If your bike gets damaged during such events, repair costs can quickly add up. Hero Bike Insurance ensures you’re financially protected, so you can handle repairs without worrying about big expenses.
At IndusInd General Insurance (formerly Reliance General Insurance), we make securing your Hero bike simple through our convenient our mobile app. Our easy-to-use app lets you buy policies, file claims, and track progress seamlessly from your smartphone. We provide quick claim settlements and access to a wide service network, ensuring you get assistance wherever your journey takes you.
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 App
Just tap, pay and renew!
Why Buy Hero Insurance?
Legal Mandate
Every Hero bike owner must have insurance because it’s a legal requirement under the Motor Vehicles Act. If you’re caught riding without insurance, you could face fines of ₹2,000–₹4,000 or even risk license suspension. Having insurance not only keeps you compliant but also protects you and others on the road from financial losses due to accidents.
Repair Costs
Hero bikes are built for daily commutes and long rides, but city potholes and rough roads can damage parts like shock absorbers or wheels. Repairs can cost thousands of rupees, and without insurance, you’ll pay out of pocket. A good insurance plan helps you manage these expenses easily.
Covers Bike Theft
Hero bikes are among the most popular two-wheelers in India, making them a target for theft. Losing a bike worth ₹60,000–₹1.5 lakh is a big financial hit. Comprehensive insurance protects you by compensating up to your bike’s IDV (Insured Declared Value).
Covers Fire & Related Damage
Parking near electric wires or congested areas increases fire risk. If your Hero bike gets damaged in such incidents, insurance pays for repairs or replacement, saving you from major financial loss.
Covers Natural Disasters like Floods
During monsoons, Hero bikes parked outside can suffer water damage or corrosion. Fixing these issues is costly, but insurance covers such natural calamities, ensuring peace of mind.
Network Garages & Genuine Spare Parts
With IndusInd General Insurance (formerly Reliance General Insurance), you get access to a wide network of garages that use genuine Hero spare parts. This ensures your bike is repaired with quality components, keeping it safe and reliable for your rides.
Types of Hero Bike Insurance Plans
Comprehensive Hero Insurance
This complete protection plan covers both your Hero bike 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 Hero 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 Hero Insurance
This bike insurance policy offers legally mandatory coverage under the Motor Vehicles Act 1988. It protects you from financial liability when your bike 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 Hero Insurance
Hero 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 Hero bike riders.
| 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) |
Network Garages | 11,000+ authorised cashless garages |
Claims Process | Quick claims via the app on mobile + 24-hour claim survey* for in-person inspections |
Instant Buying/Renewal | Available via the 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.
Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.
Not sure which Hero insurance plan is right for you?
Let our experts guide you to the perfect ride protection!
Hero Bike Insurance Add-ons
Our Hero 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.
Maternity Cover
Extra Bike Protection
Your Hero 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 Hero.
Key Replacement
Extra Bike Protection
Losing your Hero 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 Hero bike 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 rims, 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 Hero 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.
Up to 80% Discount*
Video Claims on Mobile
11,000+ Cashless Garages
Factors Affecting Hero Bike Insurance Premiums
Type of Coverage
Your Hero bike insurance cost depends on the coverage you choose. Third-party insurance is mandatory and affordable, but it only covers damage to others—not your own bike. Comprehensive insurance costs a bit more but protects your Hero bike against accidents, theft, and natural disasters, offering complete peace of mind.
Add-On Covers
Add-ons give extra protection for your Hero bike at an additional cost. Popular options include Zero Depreciation, Engine Protection, and Roadside Assistance. Choosing the right add-ons ensures your bike stays protected from unexpected expenses.
Make and Model
Different Hero models have varying insurance costs based on market price and engine capacity. For example, a Splendor Plus will cost less to insure than a Xpulse 200 or Xtreme 160R, as premium bikes have higher repair costs and expensive spare parts.
Vehicle Modifications
Any changes to your Hero bike like engine upgrades, custom paint jobs, or performance parts can increase your premium. Always inform your insurer about modifications to avoid claim issues later.
Installing Anti-Theft Devices on Your Bike
Adding security features like GPS trackers, alarms, or immobilizers can lower your premium. These devices reduce theft risk, and insurers often offer discounts for bikes equipped with such safety measures.
No Claim Bonus (NCB)
NCB rewards you for riding safely and not making claims. After one claim-free year, you can get up to 20% discount, which can go up to 50% over five years. This helps you save significantly on renewals.
Step 1
Call IndusInd General Insurance at +91-22-4890-3009, use the IndusInd Insurance 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.
Step 1
Call +91-22-4890-3009, use the Indusind Insurance 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.
Please Note: To find the complete list of claims documents you can visit our motor claims page.
Insure the Best Parts of Your Hero Bike
Hero Bike - Model and Prices
Hero offers a wide range of bikes designed for comfort, efficiency, and durability. Whether you need a reliable commuter or a stylish ride for long journeys, there’s a Hero bike for every rider and purpose.
Model | Engine | Ex-Showroom Price (as of 2025) |
|---|---|---|
Splendor Plus | 97.2 cc | ₹75,000 |
HF Deluxe | 97.2 cc | ₹70,000 |
Passion Pro | 113 cc | ₹80,000 |
Glamour | 124.7 cc | ₹90,000 |
Super Splendor | 124.7 cc | ₹95,000 |
Xtreme 160R | 163 cc | ₹1,25,000 |
Xpulse 200 | 199.6 cc | ₹1,45,000 |
Xpulse 200T | 199.6 cc | ₹1,40,000 |
Karizma XMR | 210 cc | ₹1,80,000 |
Disclaimer: The prices mentioned are subject to change. Please refer to official websites for updated information.
Key Takeaway
Hero sold over 9 million bikes in 2024, making it India’s leading two-wheeler brand. With such popularity, Hero bikes are often targeted for theft and face risks of accidental damage every day. That’s why having proper bike insurance is essential for every rider.
For example, your Hero bike costs anywhere between ₹70,000 to ₹1.8 lakh, so losing it means losing years of savings. Engine damage from waterlogging during monsoons can cost up to ₹40,000 or more to repair, and riding without insurance can lead to fines of up to ₹4,000. Comprehensive Hero Bike Insurance protects you from these unexpected expenses.
IndusInd General Insurance (formerly Reliance General Insurance) makes protection simple and affordable at just *₹19 per month. Our plans cover accidents, theft, natural disasters, and fire. Plus, you can choose add-ons like engine protection and cashless repairs for extra security.
We’re there when it matters, settling claims quickly and reliably. With a network of 11,000+ garages across India, repairs are convenient and hassle-free. And with our mobile app, you can buy Hero bike insurance, file claims, and track everything easily from your phone.
Bike insurance starting at just ₹19 per month*!
Customised Plans for Your Hero
Secure your Hero with coverage against own damage, theft and more. Enhance your plan with add-ons tailored to your bike's riding needs.
Relevant Links for Bike Insurance
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