Just the way your bike has been a reliable companion through all your journeys, our two wheeler insurance is meticulously designed to be your bike’s ideal partner. As per the latest Motor Vehicle A​ct, insuring your two wheeler is compulsory. Get Reliance Two Wheeler Insurance within minutes and avoid paying a fine of Rs. 2000. We also offer comprehensive coverage for all top brands, including Hero, Honda, Yamaha, TVS, Suzuki, Royal Enfield & more.
For your convenience, here’s a policy that insures your bike for 3 long years in just 1 payment!​ Click here to know more about long term two wheeler insurance ​​-
Reasons why Reliance Two Wheeler I​nsurance is the perfect match for your beloved motorcycle.​
  • Instant renewal process
  • Customised add-on covers
  • Cashless facility at at ​750+ garages​*
  • ​Available at upto 50% discount*​*

Buy Insurance :  Click Here
​Buy Insurance & Earn Rs. 150 Per Insurance


Buy Insurance :  Click Here
​Buy Insurance & Earn Rs. 150 Per Insurance

Ad​d-on​ Covers To Buy With Reliance ​Two Wheeler Insurance:​

Nil Depreciation (UIN: IRDAN103A0004V01200910)​​​

Nil Depreciation

With this add-on, secure your two wheeler against a reduction in the value of parts with age. You will get the parts replaced without any pinch to your wallet. ​​​​ 
This add-on cover is applicable to the following conditions-
  • This add-on covers two wheelers​, with a maximum of two claims in one vehicle insurance policy period
  • In case of partial loss, we will settle a claim made for the insured two wheeler only if it is repaired by/ at one of our authorised dealers or workshops
  • Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable if you have opted for it
​Nil Depreciation UIN​: IRDAN103RP0002V01201920/A0022V01201920​
Daily Allowance Benefit (UIN: IRDAN103A0002V02201415)​​
We can’t deny the fact that accidents happen! In this condition, we have to leave our vehicles in the garages and travel by our own. This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorized network garage for more than 3 days for repairs. This add-on cover is applicable to the following conditions-
  • Triggered if >3days vehicle under repairs due to perils/OD
  • Option to choose days & amount
  • Allowance Limit Rs.5000/- per day
  • Lumpsum theft benefit, if vehicle is not recovered <=90 days
  • 2 claims applicable
Daily Allowance Benefit UIN: IRDAN103RP0002V01201920/A0021V01201920
EMI Protection (UIN: IR​​DAN103A0007V01201415​)​
We are concerned about financial impact of an accident. We cover up to 3 EMI’s of your insured vehicle if it is in the insurer's authorized network garage for more than 30 days for repairs. This add-on cover is applicable to the following conditions-
  • Vehicle is in repair, vehicle loan EMIs will gets paid
  • Payment directly made to financial institution
  • Up to maximum 3 EMI shall be payable
  • Triggers if repair time > 30 days
  • Applicable only for partial claims
  • EMI Protection UIN: IRDAN103RP0002V01201920/A0025V01201920​​
    Helmet Cover​ (UIN: IRDAN103A0033V01200910)​
    This add on cover will make an allowance towards cost of replacing damaged or destroyed helmet of same type and model due to accident involving the insured vehicle. This cover is valid for Annual Two Wheeler policy and can be bought as an add-on cover at the time of purchase. This add-on cover is applicable to the following conditions-
    • Premium starting @Rs.100/-
    • Pay only 10% of Helmet cost (Sum Insured)
    • Sum Insured limit up to Rs.50,000/- per helmet
    • More than 1 helmet can be covered in a single year
    • Reimbursement of the helmet will be the same type and model 
    Please note that the policy-​
    • ​Shall be available only for maxim​​​um one accident during the policy period
    • Shall not be available for Theft claims​
    • Deductibles is 5% of Sum Insured opted by the insured
    • shall not be available for damage caused by deterioration,wear and tear​
    ​​Interested in Third-party liability insurance? Click here to know more about third party liability two wheeler insurance. ​
    Use our free two wheeler insurance Premium Calculator to get an instant quote for your motorcycle or scooter.Just fill the details in the form on the left hand side of this page.
    Wondering ho​w to renew an expired bike insurance policy? Click here to know more about ​renewing expired two wheeler insurance.

    Terms and con​​ditions apply. *Details mentioned are for the product- Reliance Two Wheeler Package Policy.Upto 50% discount is applicable on the Annual Two Wheeler Insurance policy only. This information is for Reliance Two Wheeler Package Policy. Discount is not applicable on TVS models. The discount is applicable only on OD two wheeler insurance premium quote. ​ Discounts mentioned above is based on Vehicle category, Loyalty, Parking & Driving experience.​ The premium mentioned has been calculated for Hero Honda Passion Pro Spokes Wheel 97 CC which is 8 years old and is registered in Nashik.​ **Subject to terms and conditions.​​
    ​
    Note: Discount of upto ​​50% and the add-on covers mentioned here are applicable for the Annual Two Wheeler Insurance policy only.​
  • ​What are the different types of two wheeler insurance coverage?
    Two Wheeler Insurance coverage can be classified into two categories:-
THIRD PARTY LIABILITY :
  • ​Covers only th​​​ird ​​party liability​
  • Low premi​um
  • Mandatory by law
  • Covers damage only arising out of vehicular collision
COMPREHENSIVE COVERAGE :
  • Covers damage to own vehicle apart from third party liability
  • Relatively higher premium
  • Not Mandatory by Law
  • Covers damages caused due to theft and natural calamities apart from vehicular collision
What are Add-On covers?
When you are riding on the roads you are exposed to numerous risks. While a standard two wheeler insurance plan offers basic protection, you can enhance your two wheeler insurance protection by opting for add-on covers such as Nil Depreciation Cover and Personal Accident Cover.
What is NCB?
When you don't file a claim during your bike insurance policy period, you will be eligible for a discount on your next premiums. This discount is referred to as a No-Claim Bonus. The No-Claim Bonus discount will keep increasing progressively for each claim-free year until your bike insurance premium is reduced up to 50%.
What is IDV?
The IDV (Insured Declared Value) is the current market value of your vehicle which is calculated after deducting the depreciation amount. It is a crucial component of a two wheeler insurance policy as it determines the amount of compensation. In case of theft or total destruction of your bike or scooter, the IDV is offered as "Sum Insured".
What is Nil-Depreciation?
You may already know that the monetary value of your Two Wheeler reduces overtime. This eventuality is a result of asset depreciation. Nevertheless, with Reliance Two Wheeler Insurance policy, you can combat the losses of depreciation by taking up a Nil-depreciation add-on cover along with your bike insurance. With a zero depreciation cover, you can be assured that the entire claim amount will be paid to you without deducting the depreciation sum.​

Benefits of Buying Two Wheeler Insurance Online

  • Compare costs and features of two wheeler insurance policies easily online
  • Calculate your motorcycle insurance policy premium online and get a clear picture of the expenses involved.
  • Purchase your two wheeler insurance policy through various payment options like Debit/Credit card, Net Banking, etc.
  • Benefit of additional support through online chat assistance during purchase to address all your queries

  • Low Premium Doesn't Mean Less Coverage. Here's How to Save On Bike Insurance Premium

  • We don't just sell two wheeler insurance; we also make sure our customers get the maximum value for money on their Two Wheeler insurance.
    Claim NCB:- NCB is a cumulative bonus which is rewarded for every claim-free year. You can secure a discount of up to 50% for 5 consecutive claim-free years.
    Choose Your Bike/Scooter CC Wisely:- The higher the engine cubic capacity (CC) of your Two Wheeler, the higher will be the two wheeler insurance premium. So, choose the exact variant of your two wheeler to get the exact premium for the insurance.
    Know The Age of Your Two Wheeler:- Older bikes have a lower Insured Declared Value (IDV) due to the accrued depreciation over the years. Hence the premiums for older bikes are lower and vice versa.
    Increase The Voluntary Deductible:- A Voluntary deductible is an amount that you agree to pay out of your pocket. The higher your voluntary deductible, the lesser will be your bike insurance premium.

What Does Your Reliance ​Two Wheeler Insurance Policy Cover?

​​Even if you are an expert rider, safety is not guaranteed. At Reliance General Insurance, we endeavour to provide you the best possible coverage. Our Two Wheeler insurance policy covers your own as well as third party damages caused due to:-
  • Fire
  • Flood
  • Frost
  • Theft
  • Tempest
  • Typhoon​
  • Earthquake
  • Explosion
  • Acci​dent
  • Cyclone
  • Landslide
  • Terrorism
  • Inundation​
  • Lightening
  • Rockslide
  • Hailstorm
  • ​Hurricane
  • Self-Ignition
  • Riot & Strikes
    and/or Malicious Acts
  • Transit by Rail,
    Road, Air & Elevator

We Don't Hide. Here's What We Don't Cover Under Two Wheeler Insurance

As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover:-
  • Normal wear-and-tea​r of the vehicle
  • Mechanical and electrical breakdown
  • A vehicle being used other than in accordance with the limitations as to use. For example, if you use your two wheeler for commercial purposes
  • Damage to/by person driving without a valid driving license
  • Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the vehicle's value
  • Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the bike or scooter insurance claim
  • Damage to Tyres & Tubes unless the vehicle insured is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement
  • Loss or damage to the accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time
​​​​

Now Your Two Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!​

If you continue to be a safe and good driver, you're definitely eligible for discounts.
How? Well, if you drive safely, you'll make no claim through out the year. As a result, you earn yourself a No-Claim Bonus! This bonus can also be transferred over to your new vehicle depending on your preference.
The discount can be accumulated on a yearly basis as mentioned below.

No. of YearsDiscount
One claim-free ​year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
​Five consecutive claim-free years50%

 Voluntary Deductible - ​a minimum amount that you choose to pay of the claim amount, while we pay the rest. The higher your Voluntary Deductible amount, the lower is your bike insurance premium. Thus, eventually discounting the two wheeler insurance premium.
Please refer to the below table for appilcable Voluntary Deductible: -
​Exclusions under the Nil Depreciation Add-On Cover -​
  • Parts not approved under the Motor Insurance Policy
  • Tyres and tubes