Royal Enfield Classis Insurance Starting at Just ₹19/Month*
-
Up to 80% discount
-
11,000+ network garages
-
AI-assisted claims
Royal Enfield Classic Insurance
Royal Enfield 350 is not just a bike, it’s a whole vibe! People purchase it for its iconic value, strong road presence and the comfort it offers on long rides. It is mainly loved by explorers, travellers, and premium bike owners who want a bike that is built to last. The Royal Enfield Bullet is not just a regular commuter bike; it is a heavy bike built using premium parts. This makes its repairs very expensive.
Suppose you are riding on the highway and a sudden skid or pothole damages its silencer, suspension or tank. Even worse, what if your Bullet gets stolen from the parking spot? These situations can disturb you not just mentally but also financially. That’s why having Royal Enfield Classic insurance is a must! It provides coverage for third-party liability and safeguards your bike against theft, accidents, and natural disasters.
With IndusInd Bike Insurance, you can purchase and manage your Bullet insurance online via the app. The app makes the entire process convenient, from buying a policy to receiving claim updates. Since the Bullet is a premium bike that needs expert care, our 11K+ network of garages ensures you find the right workshop and have your bills settled cashlessly.
IndusInd Bike Insurance is widely popular for its reliable coverage, cashless garage network and quick claims settlements. It offers flexible plans and add-ons to keep your two-wheeler protected.
Get Up to 5 Years Coverage
Buy once and get covered for 5 years
Up to 15+ Add-On Covers Available
Extend your scooter's coverage
Video Claims Feature on Mobile
File claims on your mobile via our app
Instantly Renew via Mobile
Just tap, pay and renew your policy!
Why Buy Royal Enfield Classic Insurance?
Legally Mandatory
Under Indian law, every Royal Enfield Bullet owner must have third-party insurance before hitting the road. Riding without insurance can attract fines and penalties. Third-party cover safeguards you if your bullet causes any damage to another person or their vehicle.
Covers Repair Costs
The Royal Enfield 350 is a premium and expensive bike, so even minor repairs can cost a lot. A minor trip/fall can damage the fuel tank, headlamp, crash guard, exhaust or suspension. But comprehensive insurance for the Bullet 350 Classic can help reduce your out-of-pocket expenses.
Covers Bike Theft
Bike theft is a serious threat, especially with the Royal Enfield Bullet. We can’t keep an eye on the bike all the time, but we can stay prepared by getting it insured. IndusInd Royal Enfield Classic 350 insurance provides financial support if your bullet is stolen. We share the financial burden so you don’t have to face the loss alone.
Covers Natural Disasters
Natural disasters like floods, storms and more come uninvited. If your Bullet gets caught in heavy rain, flooding, or other natural disasters, the damage can be serious. The engine and electrical components of your bike might get damaged. But IndusInd insurance for the Bullet 350 Classic covers it all, making it an ideal choice for riders in monsoon-prone areas or those who travel frequently.
Covers Damage from Fires
Fire-related incidents, such as short circuits, accidents, and external fire exposure, are rare but can cause major damage if they occur. Fire damage can be very expensive for the Bullet as it has premium metal parts. The Royal Enfield Classic insurance helps in reducing the impact of such accidents.
Network Garages and Spare Parts
Bullet repairs must be performed by experienced, skilled mechanics to ensure longevity. With us, you get access to 11,000+ network garages* that make repairs smoother through cashless service. The search for quality repairs ends here. We at IndusInd Royal Enfield 350 insurance do it all for you!
Types of Royal Enfield Classic Insurance Plans
Comprehensive Bike Insurance
This is an advanced insurance plan that covers both third-party liability and damage to your own bike. It safeguards you against losses from theft, accidents, fire, riots, vandalism, floods, and storms. For instance, if your bullet gets damaged due to flooding or an accident, the policy will help you cover the repair costs.
Third-Party Bike Insurance
This policy covers damage caused to another person’s vehicle or injuries caused to others in an accident. It is compulsory by law and must be bought before riding on roads. This safeguards you from paying legal penalties if you cause harm to a third party. For instance, if you hit a bike in traffic and it gets damaged, this insurance will help you pay for repair costs.
Short Term Own Damage Bike Insurance
This plan covers only your bike’s repair and replacement costs if it gets damaged in an accident or stolen. Riders who already have third-party bike insurance purchase this plan to add their own damage protection. We provide short-term own-damage plans with flexible durations starting at 1 month. So you can choose what suits you best. For example, if your bike is stolen or damaged during a long ride, this policy compensates for your loss.
Long Term Own Damage Bike Insurance
This plan protects your bike if it gets damaged in an accident, natural disasters, or is stolen. As it is a long-term plan, it offers 1 year of own damage coverage that can be renewed annually. This is an affordable option for the riders who already have a third-party plan and need their own damage protection. You also have the option to customise your coverage by choosing from 13+ add-ons.
Key Features of IndusInd Enfield Insurance
IndusInd Royal Enfield 350 Insurance offers comprehensive protection to the riders. From modern digital features to a variety of add-ons, it offers everything! Some of the notable features are as follows:
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 | Fast claims via the Indusind Insurance App |
Instant Buying/Renewal | Available via the app and 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 |
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.
Want to protect your Royal Enfield Bike?
Get in touch with our team!
Royal Enfield Classic Bike Insurance Add-Ons
Sometimes a base policy is not enough; it does not cover the necessary features needed for complete protection of the bike. That is where add-ons come to your rescue. You can enhance your plan's coverage by adding these add-on covers. Some of the most common add-ons include:
Nil Depreciation
Money Saver
Offers a full claim amount for replaced parts like rubber, plastic and fibre without any depreciation deduction. It generally covers up to 2 claims annually.
Engine Protector
Extra Bike Protection
We cover damages arising from engine failures, water ingress, oil leakages, hydro lock and all that is not included in your base insurance policy.
Consumable Cover
Extra Bike Protection
Consumables can increase the repair bills by 5-10%. This add-on helps in covering the costs of engine oil, nuts, bolts, washers and brake fluid.
Key Replacement Cover
Extra Bike Protection
What if your Bullet keys get lost, damaged or stolen? The key replacement add-on covers the cost of repairing and replacing them.
Helmet Cover
Money Saver
Helmets are both costly and mandatory. But what if they get stolen or damaged? Don’t worry, this add-on reimburses you for the replacement and repair of your helmet.
Tyre Protection Cover
Money Saver
Covers the cost of repair and replacement of your Bullet’s tyre if it gets burst or is damaged in a road accident. It is a must-have add-on as tyre replacement is very expensive.
NCB Retention Cover
Extra Bike Protection
Protects your No Claim Bonus by letting you retain the discount even if you have made a claim. It covers up to one claim in each policy year*, and it ensures that you don’t lose your NCB benefit while renewing your policy.
EMI Protection Cover
Extra Bike Protection
If your Royal Enfield is undergoing major repairs and stays in a network garage for more than 21,42,63 days. This add-on pays up to 3 loan EMIs to avoid financial stress.
Daily Allowance Cover
If your bike is under repair, this add-on pays a fixed daily allowance to support alternate travel until it is repaired. The amount depends on your bike's value and policy sum insured.
Two-Wheeler Assistance
Assists with flat tyres, breakdowns, lockout situations and fuel delivery with towing and on-site repairs. This add-on offers 24*7 roadside assistance whenever you need emergency help.
Voluntary Deductible Cover
Choose a voluntary deductible to reduce your premium. For each claim, including total loss, you pay this amount first, and we help in covering the rest.
Hospital Cash Cover
If you meet with an accident and are hospitalised for more than 24 hours, then you get a fixed daily payout. You will get the benefits once the hospitalisation extends beyond 7 days.
Return To Invoice (RTI)
If your Royal Enfield gets stolen, is declared a total loss, or is not recovered, then RTI pays the original value of your vehicle. It also refunds insurance costs, registration charges, and road tax, improving your overall payout.
Rim Protector
This add-on covers accidental damage to wheel rims that makes them unfit for use. It pays for labour charges, wheel alignment, rim repair/replacement, and required consumables.
Up to 80% Discount
Quick Claims on Mobile
11,000+ Cashless Garages
Factors Affecting Two-Wheeler Insurance Premium
There are various factors that determine your Royal Enfield 350 Insurance Price. They are as follows:
Coverage Type
Third-party insurance is a basic, affordable plan that covers all legal liabilities. A comprehensive plan is a bit expensive but provides enhanced protection for your Bullet 350, including damage to your bike. As the cost of repairing a Bullet is high, comprehensive cover is the ideal choice, as it covers major costs and helps reduce out-of-pocket repair bills.
Make and Model
The insurance premium depends on the model, make, market value and variant of your bike. The premium for the Royal Enfield Bullet 350 is generally higher due to its high repair costs and parts. We calculate your insurance based on your Bullet’s details and IDV.
Vehicle Modifications
Your insurance premium can increase if your Bullet bike has different modifications like alloy wheels, custom exhaust, etc. The modified bikes are riskier and require additional coverage for the non-standard parts. Make sure to inform in advance about the modifications while buying or renewing the policy to avoid any claim issues later
Add-On Covers
While the add-ons raise the premium, they offer additional protection for your Bullet. Add-ons like zero depreciation, roadside assistance, and engine protection help reduce your expenses in the event of a theft or repair claim. The trick is to buy only the useful add-ons. This way,you will stay safe without overspending.
Anti-Theft Devices
If you install anti-theft devices in your Bullet, you can reduce your premium through safety discounts. We offer a 2.5%* discount for vehicles fitted with authorised anti-theft systems. The discount rate can vary based on eligibility, policy terms, or device type.
No Claim Bonus (NCB)
A No Claim Bonus reduces your renewal premium. This discount can even go up to 50% over consecutive claim-free years. NCB is a smart long-term savings strategy for the Royal Enfield owners.
Disclaimer: These discount percentages 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.
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 mobile app 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 mobile 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.
Step 1
Notify us immediately after the incident to begin the 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.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Insure the Best Parts of Your Royal Enfield
Royal Enfield Models and Prices
Model | Ex-Showroom Price |
|---|---|
Royal Enfield Bullet 350 Battalion Black | ₹1,63,783 |
Royal Enfield Bullet 350 Military Red and Military Black | ₹1,64,424 |
Royal Enfield Bullet 350 Standard Maroon and Standard Black 349 cc | Petrol | ₹1,87,038 |
Royal Enfield Bullet 350 Black Gold | ₹2,04,434 |
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 Takeaways
Royal Enfield bikes are known for their thunder; they are designed for long rides and power! But maintaining them is also more expensive than maintaining regular commuter bikes. That’s why Royal Enfield 350 Insurance is necessary for Bullet owners. It safeguards you from unexpected expenses arising from theft, accidents and damage.
IndusInd Bike Insurance relieves you from financial stress. With IndusInd, you get quick claim support, reliable coverage, and access to cashless network garages. Even minor accidents can lead to expensive repairs on Royal Enfield bikes. This insurance plan provides comprehensive protection, including third-party and own-damage cover.
If you already have a third-party insurance, then IndusInd also offers its own damage plans to help you pay for unnecessary coverage. One significant benefit of our insurance is customisation. You can upgrade your protection with 10+ add-ons, including Zero depreciation, NCB protection, Return to Invoice, Roadside assistance and Consumables cover.
Overall, IndusInd Bike Insurance helps riders stay stress-free with flexible plans, strong coverage and practical add-ons.
Bike insurance plans starting at ₹19/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!
Relevant Links for Two Wheeler Insurance
Two Wheeler Insurance for Top Two Wheeler Brands
Two Wheeler Insurance for Locations
Download our IndusInd General Insurance App now!
