Royal Enfield Bullet Insurance from ₹19/month*
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Up to 80% Discount*
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11,000+ Network Garages*
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Up to 5 Years Coverage*
Royal Enfield Bullet Insurance
As the world’s oldest motorcycle manufacturer in continuous production, Royal Enfield is favoured by adventure touring enthusiasts for its reliable low-end torque and rugged build.
That said, as the owner of this legendary machine, protecting your Royal Enfield Bullet with comprehensive two-wheeler insurance is essential. Plus, given India's mandatory insurance requirements under the Motor Vehicles Act of 1988, riding without third-party coverage can result in hefty fines of up to ₹4,000 and imprisonment for up to 3 months.
Beyond legal obligations, the Bullet's premium components require adequate coverage. For instance, if your Bullet suffers damage, comprehensive insurance ensures financial protection against expensive repairs.
At IndusInd General Insurance (formerly Reliance General Insurance), you can buy Royal Enfield insurance online with a completely paperless process. We offer cashless repairs across 11,000+ network garages*, flexible premium options based on your bike variant, instant policy delivery and zero paperwork claims.
Why 5 Crore+ Policyholders Trust Us?
IndusInd Bike Insurance is known for its reliable coverage, quick claim settlements and wide network of cashless garages. With flexible plans and add-on options, it ensures your two-wheeler stays protected on every ride.
24/7 Customer Assistance
Round-the-clock support available*
10+ Add-On Covers*
Protection that's tailored to your bike
Instant Policy Purchase*
Complete purchase in minutes
Quick Claim Processing
Claims settled within hours
Reasons to Buy Royal Enfield Bullet Insurance From Us
The right Royal Enfield Classic insurance gives you fast, reliable support without claim hassles or delays. With IndusInd’s 100% digital and affordable policies and 24/7 access, you’re covered any time, anywhere.
Body Panel Repairs
The bike’s iconic fuel tank and metal body panels are attractive but expensive to repair. Our insurance covers these accidental damages.
Covers Chrome Elements
Royal Enfield Classic is famous for its chrome elements, such as the headlamp rims. They are costly to replace, but we've got you covered.
Budget Friendly
Save on Royal Enfield Classic insurance with online discounts and no agent fees. We offer customisable bike plans that fit your budget!
Types of Royal Enfield Bullet Insurance Plans
Comprehensive Bike Insurance
This complete insurance package protects both your bike and covers damage to others. It pays for repairs if your bike gets stolen, damaged in accidents or harmed by floods and storms. You can add covers like an Engine protector and zero depreciation for enhanced coverage. For example, if you regularly ride your bike on rough terrain, Tyre Protection add-on will further reduce your expenses.
Short Term Own Damage Bike Insurance
This policy covers only your bike's repair and replacement costs when damaged or stolen. We offer flexible short-term OD plans that provide coverage options starting from 1 month*, allowing you to choose the duration that best suits your needs. Royal Enfield riders who already have third-party bike insurance coverage often buy this to get complete financial protection.
Long Term Own Damage Bike Insurance
This policy covers your bike in the event of damage from accidents or natural disasters, or if it is stolen. And since this is a long-term plan, you get 1-year coverage that can be renewed every year. Getting coverage this way is often cheaper than buying a new comprehensive cover if you already have a third-party bike insurance plan. You can also enhance your insurance coverage with our 13+ add-on covers*.
Third-party Bike Insurance
This type of insurance covers any damage you cause to other people's property or injuries to other people while riding your bike. The law requires you to have this policy before riding your bike. It protects you from paying compensation fees if you accidentally hurt someone or damage their vehicle. For example, if you accidentally hit a car in traffic and damage the taillight, this insurance will cover their repair costs.
Royal Enfield Bullet Insurance Inclusions and Exclusions
What's Covered
Accidents - Coverage for damage when your Bullet gets into road accidents or crashes.
Third-Party Liabilities - Coverage for medical expenses and property damage you cause to others.
Earthquakes - Protection against damage from seismic activities and ground movements.
Floods and Storms - Coverage for damage from heavy rains, floods, cyclones and natural disasters.
Fire and Explosions – Protection if your motorcycle gets damaged by fire or explosion incidents.
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 refer to official policy documents for complete details.
Trusted by Bullet Riders, Backed by Experts
Call now and cruise carefree!
IndusInd Bike Insurance Curated Add-on Packages
Secure Plus
This package combines three essential protections that standard insurance often misses. Nil Depreciation ensures full claim value without age deduction. Engine Protector covers expensive engine repairs from water damage or oil leakage. Consumables coverage pays for nuts, bolts and rubber parts replaced during repairs.
This bundle includes: Nil Depreciation + Engine Protector + Consumables Cover
Secure Premium
This comprehensive add-on package includes all Secure Plus benefits plus an additional Key Protect Cover. You get Nil Depreciation for full claim settlements on bike parts, Engine Protector against costly bike engine & gearbox damages, Consumables coverage for small parts and Key Protect for lost or stolen keys.
This bundle includes: Nil Depreciation + Engine Protector + Consumables + Key Protect Cover
How to Buy and Renew Royal Enfield Bullet Insurance
Buy Online
At the top of this page provide car registration and mobile. You can use the calculator below to estimate SI & premium.
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.
Renew Online
Go to the form on top of this page choose ‘Renewal’ to instantly start your car insurance renewal process.
Enter your bike's policy number or bike registration number
Review and update your bike details and check insurance renewal quotes
Select a coverage plan and apply the No Claim Bonus if eligible
Pay the premium online and get instant policy renewal
Up to 80% Discount*
File Video Claims on Mobile
11,000+ Cashless Garages*
How to Claim Royal Enfield Bullet Insurance?
Cashless Claim
Step 1
Contact us within 24 hours through our helpline 1800-3009 or the Self-i App
Step 4
Our surveyor will inspect your bike to assess the damage and verify the claim
Step 2
Take your bike to any authorised IndusInd network garage. You can now use the widget below to find the list of nearest cashless network garage instantly.
Step 5
Once approved, get your bike repaired and we settle the bill (except deductibles)
Step 3
Fill out the claim form and submit basic documents like RC, license and policy copy
Reimbursement Claims
Step 1
Report the claim within 24 hours of the incident through phone or app
Step 4
Submit claim form with repair bills and required documents
Step 2
Take clear photos/videos of damage and file FIR if needed
Step 5
Receive reimbursement in your bank account after claim approval
Step 3
Get bike repairs done at any garage of your choice
Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.
Royal Enfield Bullet Model Overview, Variants and Prices
The Bullet holds the distinction of being the only motorcycle in continuous production for over 92 years. Its refined engine reduces vibrations, and its ergonomic seating position offers smooth performance for comfortable long-distance rides. Plus, its braking system provides confident stopping power in different riding conditions.
Model Name | Ex-Showroom Price |
|---|---|
Royal Enfield Bullet 350 Battalion Black 349 cc | Petrol | ₹1,74,856 |
Royal Enfield Bullet 350 Military Red and Military Black
| ₹1,75,560 |
Royal Enfield Bullet 350 Standard Maroon and Standard Black
| ₹1,99,711 |
Royal Enfield Bullet 350 Black Gold 349 cc | Petrol | ₹2,18,285 |
Disclaimer: The prices mentioned are subject to change. Please refer to official websites for updated information.
Key Takeaways
Getting insurance for your Royal Enfield Bullet is not just smart - it's the law. The Motor Vehicles Act of 1988 requires every bike owner to have at least basic coverage, and riding without it can cost you up to ₹4,000 in fines or even 3 months' jail time.
Your Bullet is an expensive machine with costly parts, and IndusInd bike insurance (formerly Reliance bike insurance) protects your wallet when accidents happen or when natural disasters damage your bike. With us, you can choose from basic third-party coverage all the way up to comprehensive bike insurance plans that cover everything from third-party liabilities to specific parts coverage (like your bike engine) through add-ons.
We at IndusInd General Insurance (formerly Reliance General Insurance) also make buying coverage easy. You can get a policy online in minutes, starting at just ₹19 per month*. We offer cashless repairs at over 11,000+ garages* across India and provide a quick claim survey within 24 hours of claim intimation. You also get NCB discounts of up to 50%* when you renew without making claims.
Don't ride unprotected - choose IndusInd General Insurance (formerly Reliance General Insurance) for reliable coverage on every journey.
Reliance General Insurance
Aapke Protection ka All-rounder
Bike insurance starting at just ₹19 per month*!
Tailor Your Bullet's Coverage
Give your Royal Enfield the protection it deserves with coverage for own damage, theft, and more. Boost your policy with add-ons tailored to how and where you ride.
Royal Enfield Models for Which We Offer Coverage
Royal Enfield Himalayan
Royal Enfield Super Meteor 650
Royal Enfield Standard
Royal Enfield Hunter 350
Royal Enfield Classic 350
Royal Enfield Continental GT 650
Royal Enfield Interceptor 650
Royal Enfield Meteor 350
Frequently Asked Questions (FAQs)
Which insurance is the best for Royal Enfield Bullet?
The best bike insurance depends on your specific needs and budget. Compare comprehensive coverage options, claim settlement ratios, premium costs, add-on benefits and customer service quality across different insurers before making your decision.
Can I transfer my Royal Enfield Bullet insurance?
Yes, Royal Enfield insurance can be transferred to the new owner. Submit ownership transfer documents, RC book and NOC from the previous owner.
What is 5-year bike insurance?
Five-year bike insurance is a long-term insurance policy that provides continuous coverage over five years. This long-term insurance eliminates annual renewals, offers premium discounts and ensures uninterrupted protection throughout the policy period.
What documents are required to file a claim for the Royal Enfield Bullet bike insurance policy?
Required documents include a policy certificate, driving license, vehicle registration certificate, FIR copy (if applicable), repair estimates, medical bills (for injuries), photographs of damage and a claim form duly filled and signed by the policyholder.
What factors affect my Royal Enfield Bullet insurance premium?
Premium costs depend on coverage type (comprehensive costs more than third-party), bike’s market value (IDV), aftermarket modifications, selected add-ons like zero depreciation, installed anti-theft devices (offers 2.5%* a discount) and your No Claim Bonus from claim-free years.
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.
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
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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