Two Wheeler Insurance

Bike insurance is a type of vehicle insurance that specifically covers motorcycles. In most cases, when you buy two-wheeler insurance online, it will cover you in the event of an accident, and it can also protect against theft and damage.
Under the Motor Vehicle Act 1988, it is mandatory for all bike owners in India to have at least third-party liability insurance. Third-party bike insurance is the minimum level of coverage required by law, but it does not provide protection against things like theft, fire, and natural disasters. For this reason, we recommend that you compare comprehensive and own damage bike insurance policies for better coverage.
With Reliance General's comprehensive 2-wheeler insurance policy, you can rest assured that you're covered no matter what happens.
There are three main types of bike or scooter insurance: third-party, comprehensive, and own damage. Third-party bike insurance is the minimum level of coverage required by law in India, and it covers you in the event that an accident occurs that injures another person or damages their property. If you are found without bike insurance, you may be subject to a fine of up to Rs.2000.
Comprehensive 2-wheeler insurance is not required by law, but it provides additional protection against things like theft, fire, and natural disasters. Own damage bike insurance covers damage to your own motorcycle, regardless of who is at fault.

Key Features	Benefits by Reliance General
Cashless Repairs	8,500+ Cashless Garages
No Claim Bonus	Upto 50% Discount*
Claim Process	Easy Video Claims**
Claim Settlement Ratio	98.6% Claims Settled (FY 21-22)
Add-Ons	4 Add-ons available
Own Damage Cover	Available
Third-Party Damage Cover	Upto 1 Lakhs for property damage, Permanent total disability cover​

**Based on internal assessment for the time period April 2019 to March 2020

Reliance General Insurance understands the importance of bike insurance, and we are committed to providing the best coverage at the most affordable prices. We offer online bike insurance renewal that is easy to purchase and very affordable. Plus, our policies are customisable, so you can choose the coverage that best suits your needs. Take a look at some of the features that set us apart from the competition:

Whether you are a new customer or are looking to buy two-wheeler insurance from Reliance General Insurance, we have tailored plans for all groups with exciting discounts to offer you. Based on the two-wheeler insurance online, you can leverage 20-80% off on the premium. This includes No Claim bonus discounts, Voluntary discounts, and more.

Add-on covers are always beneficial as they give you an opportunity to enhance your bike insurance online. You can avail of various add-on covers such as engine protector, pillion rider cover, personal accident bundle cover, nil depreciation cover, zero depreciation cover, and more from Reliance General Insurance.

Renew your bike insurance online without any hassles as we understand your busy schedule. We have a no-inspection renewal process for select plans that allows you to renew your policy online without having to go through the hassle of getting your bike inspected. Just a few clicks and you're done!

It is not just about two-wheeler insurance renewal but also about being future-ready. At Reliance General Insurance, we offer long-term two-wheeler insurance online plans that have a policy tenure of up to 36 months. This means that you can save on the premium and renew your policy once every three years instead of annually. This frees up your time and gives you one less thing to worry about.

Gone are the days when you had to fill out long and tedious paperwork to purchase bike insurance. With our paperless transaction policy, you can now buy bike insurance online or renew your bike insurance online without having to worry about any paperwork. All you need is an internet connection and a few minutes to spare, and you're all set!

If you own a two-wheeler, then bike insurance is an important investment, and we at Reliance General Insurance are committed to providing the best coverage at the most affordable prices. While our two-wheeler insurance policie s come with the same basic features, there are certain benefits that add to the value of your bike insurance policy. Here are a few reasons why you should buy two-wheeler insurance online:

One of the best features of bike insurance online is the No Claim Bonus (NCB). This is a discount that you can avail on your premium if you do not make any claims during the policy period. The NCB can go up to 20% for the first two years and can be carried forward for up to five years. That is, 35% for consecutive three years, 45% for four consecutive years, and 50% for five consecutive years.

There are over 8200 cashless partner service centers and garages that are spread across the country in Tier 1 and Tier 2 cities. This means that you can avail our cashless facility without having to worry about finding a service center in your area.

We understand that every customer has different needs, which is why we offer customised add-on covers. You can choose from a variety of add-on covers such as Helmet Cover, EMI protection, Daily Allowance Benefit, Nil Depreciation, and more. The best part is that Reliance offers a personal accident cover with this plan, giving an additional cover of Rs.15 lakhs to the policyholder for any medical treatments due to an accident.

We have an instant two-wheeler insurance renewal process that allows you to renew your bike insurance online without any hassles. You can also avail our 24x365 roadside assistance service in case of any emergency. In addition, we have a simple and easy claim process that can be done entirely online. All you have to do is contact our customer support, fill in the application, and submit the required documents. We will take care of the rest!

As said earlier, there are three types of bike insurance plans – third-party liability insurance, comprehensive insurance, and own damage insurance. Each type of insurance has its own set of features and benefits. Let’s take a look at the key features of each type of insurance:

This is the most basic type of bike insurance. It covers any damage or injury caused to a third party by the insured vehicle. In this case, the third party could be a human or property. The third party is covered for all accidental injuries under this type of insurance. Most importantly, this type of insurance is mandatory by the law. Above all, the premium rates are lower.

In addition to third-party liabilities, comprehensive 2-wheeler insurance covers the policyholder against any type of damage, including complete protection against theft, fire, accidents, and natural calamities. While it has a relatively higher premium, this type of bike insurance is not mandatory by the law.

This type of bike insurance covers damages caused to the policyholder’s bike, including incidents such as fire, accidents, and natural calamities. It does not cover any third-party liabilities. The premium amount is lower as compared to a comprehensive insurance plan. Most importantly, own damage bike insurance also offers reimbursement in case your bike gets stolen.

Covers Under Two-wheeler Insurance Online	Third-Party Two-wheeler Insurance	Comprehensive Two-wheeler Insurance	Own Damage Two-wheeler Insurance
Customisation of bike value (IDV)	❌	✓	✓
No hefty fines are levied if a valid policy in place	✓	✓	✓
Injury to a third-party person	✓	✓	❌
Damage to third-party vehicle/ property	✓	✓	❌
Choice of add-ons – Zero Depreciation and Emergency Assistance	❌	✓	✓
Personal Accident Cover of Rs. 15 Lakhs (Optional)	✓	✓	❌
Damage due to events like – Fire, theft, riots, etc.	❌	✓	✓
Damage due to natural calamities – Earthquake, cyclone, floods, etc.	❌	✓	✓

There are many benefits when you buy two-wheeler insurance online from Reliance General Insurance. Some of the key benefits are:

• Provides financial protection against damages caused by accidents, theft, fire, or natural calamities. Suppose your bike is stolen. In that case, we will reimburse the market value of your bike as mentioned in the policy documents.
• Helps you save on repairs and maintenance costs. Suppose you have a comprehensive two-wheeler insurance policy. In that case, you will be reimbursed for the cost of consumables and emergency medical expenses incurred due to an accident.
• Gives you peace of mind while driving. You can focus on enjoying the ride without worrying about any unforeseen events.
• Offers additional protection with add-on covers. You can customise your bike insurance policy by adding one or more add-on covers to get complete protection against all eventualities.
• Reduces your legal liability in case of third-party property damage or bodily injuries. Suppose you are at fault in an accident. In that case, your bike insurance policy will cover the repair/replacement costs of the third-party property damaged in the accident and also any medical expenses incurred by the third party due to bodily injuries.

Two-wheeler insurance online policies have certain inclusions and exclusions. Here is a list of some of the common inclusions and exclusions of bike insurance:

Accidents: In case of an accident, we will make sure that you are compensated for any damage to your bike or third-party property.

Theft: If your bike is stolen, we will reimburse you the market value of the bike at the time of theft.

Natural Calamities: In case of natural calamities such as floods, earthquakes, or landslides, we will cover the damages caused to your bike.

Fire Explosion: If your bike catches fire or explodes, your policy will cover the cost of repairs or replacement.

Personal Accident: We are concerned about your safety, which is why we offer a personal accident cover based on the nature of your policy.

Third Party Liability: In case you are held responsible for any damage to third-party property or injury to a third-party person, we will provide coverage.

Depreciation: Depreciation is not covered under two-wheeler insurance online policies. This includes general wear and tear or an overall decline in the value of your two-wheeler.

Mechanical/Electrical Breakdown: Mechanical or electrical breakdown of the bike is not covered under two-wheeler insurance online policies.

Illegal Driving: We do not recommend driving without a valid license or driving under the influence of drugs or alcohol. If you are caught driving illegally, Reliance General Insurance will not cover the damages caused.

Reliance General Insurance provides a variety of unique two-wheeler insurance online add-on covers that you can avail to get complete protection for you and your bike. Some of our most popular add-on covers are:

Consumable expenses are those that are required to keep your bike running smoothly. These include engine oil, coolant, brake fluid, chain lube, etc. With this add-on cover, we will reimburse you for the cost of these consumables, up to a certain limit.

As the name suggests, this add-on cover provides additional protection for any damage caused to third-party property. The limit for this cover is higher than the standard limit under third-party liability insurance.

This add-on cover provides additional protection in case of accidental death or disability. The limit for this cover is higher than the standard personal accident cover. This cover can safeguard you and your family in the event of fatality or serious injuries caused by an accident.

If you or your pillion rider sustains injuries in an accident, this add-on cover will reimburse the emergency medical expenses up to a certain limit, including the ambulance costs. We will reimburse the expenses regardless of the hospital or doctor you choose.

If your bike or two-wheeler has been stolen or severely damaged, our return-to-invoice cover will help you get the invoice cost of your vehicle. This add-on aims to provide you with your bike's current market value.

Depreciation allowance is a bumper-to-bumper cover that helps you beat depreciation at the time of filing a claim for the repair/replacement of your vehicle's parts. This works by reimbursing the depreciation when depreciation is deducted from the claim amount.

You can easily buy or renew your bike or scooter insurance policy online at Reliance General Insurance in a few simple steps.

• Step 1: Visit www.reliancegeneral.co.in and provide your details such as bike make and model, registration number, email, mobile number, etc.
• Step 2: Select the add-on covers (optional) you want to include in your policy.
• Step 3: Choose the tenure of your policy and make the payment.
• Step 4: Once you have made the payment, you will receive a soft copy of your bike insurance policy document via email. You can also download it from our website by logging in to your account.

• Step 1: Visit www.reliancegeneral.co.in and select 'Renew Policy'
• Step 2: Enter your policy details and click on the 'Proceed to Renew' button.
• Step 3: Select the add-on covers (optional) you want to include in your policy.
• Step4: Choose the tenure of your policy and make the payment.
• Step 5: Once you have made the payment, you will receive a soft copy of your bike insurance policy document via email. You can also download it from our website by logging in to your account.

You can easily make a claim by following the steps mentioned below:

Steps to follow for Intimation of Loss:

• Step 1: Immediately after the occurrence of an accident or theft, you should inform the police about it and obtain a First Information Report (FIR).
• Step 2: In case of an accident, you should take your vehicle to the nearest network garage for repair. In case of theft, you should submit a copy of the FIR to us.
• Step 3: You need to call our 24x7 claims helpline number xxxx-xxx-xxxx and inform us about the loss. Our executive will register your claim and assign a reference number for future correspondence.

The list of documents required to avail online insurance for your two-wheeler is given below:

• Registration Certificate (RC): It is the most important document as it is required to verify the bike's details such as make, model, engine capacity, etc.
• Driving license: You will have to submit a copy of your driving license at the time of buying/renewing your insurance policy.
• Previous year's insurance policy documents (if any): If you have a previous year's insurance policy document, then you will have to submit it at the time of making a claim.
• FIR copy (in case of theft): In case your bike has been stolen, then you will have to submit a copy of the FIR filed by you at the police station.
• Estimate from the garage (in case of an accident): In case your bike has met with an accident, then you will have to submit an estimate from the garage for the repair/replacement of parts.
• Discharge voucher and hospital bills (in case of third-party bodily injury): In case the third party has suffered bodily injuries in an accident caused by you, then you will have to submit the discharge voucher and hospital bills for the treatment availed by them.
• Repair bills (in case of own damage): In case your bike has suffered damages due to an accident or any other reason, then you will have to submit the repair bills incurred by you.
• No Claim Bonus (NCB) declaration: If you are renewing your bike’s insurance policy and have not made any claims during the previous policy year, then you will have to submit an NCB declaration form.
• ID proof: You will have to submit a copy of your pan card/Aadhaar card/voter ID card/passport as proof of identity.
• Address proof: You will have to submit a copy of your ration card/Aadhaar card/passport/utility bills as proof of address.

It is a discount that is given to policyholders for not making any claims during the policy tenure. Suppose you have not made any claims during the previous policy year, then you will be eligible for a discount of 20% on the Own Damage premium in the next policy year. This discount will keep increasing every year up to a maximum of 50%.

It stands for Insured's Declared Value and is the maximum amount that an insurance company will pay in case your bike is stolen or damaged beyond repair. It is calculated by taking into account the current market value of your bike, depreciation, etc.

It is an add-on cover that provides coverage for the replacement of parts without considering depreciation. In other words, if your bike parts need to be replaced due to an accident or any other reason, then we will reimburse the entire amount without considering depreciation.

You can buy a third-party bike insurance policy, a comprehensive bike insurance policy, or an own damage two-wheeler insurance. A third-party bike insurance policy is mandatory by law and covers damages caused by you to the third party. A comprehensive bike insurance policy, on the other hand, covers both own damage and third-party liability. Moreover, own damage bike insurance policies are of two types - with and without depreciation. The own damage two-wheeler insurance covers damages caused to your bike, irrespective of who is at fault.

The premium for your bike insurance policy will depend on the type of bike that you own. For example, if you own a sport bike, then the premium will be higher as compared to a standard motorcycle.

It is the engine capacity of your bike expressed in cubic centimeters (cc). The higher the cc, the higher will be the premium.

We will check your driving record before finalising the premium. This will involve reviewing your age and gender. For example, if you are in your early 20s and just got your license, the premium you have to pay will be higher compared to someone who is middle-aged and has years of driving experience.

The premium you have to pay will also be based on the current market value of your bike. The market value depends on the brand and functionality of the vehicle.

If you have made modifications to your bike, then it will also be considered while finalising the premium. Some people install expensive parts and accessories for better perfromance and looks. This will result in a higher premium as the bike will be considered more valuable.

You can also opt for add-on covers to get additional coverage. Some of the popular add-on covers you can opt for are nil depreciation, roadside assistance, engine protector, and pillion rider cover.

There are a few things you can do in order to save on your bike insurance premium:

• Do not just buy the first policy you come across. Instead, compare different policies from different companies in order to find the one that offers the best coverage at the most affordable price. You can use an online insurance aggregator to easily compare different policies.
• Go for a higher deductible. A deductible is the amount you must pay out of your pocket before the insurance company starts paying. By opting for a higher deductible, you can lower your premium significantly. However, make sure you can afford to pay the deductible in an emergency.
• Availing add-ons is a great way to save on your premium. For example, if you live in an area that is prone to flooding, then opting for the add-on cover of the engine protector will save you a lot of money in the long run as it will cover repairs due to water damage.
• Install a security device that has been approved by the Automobile Association of India (AAI). This will lower your premium as it will make your bike less prone to theft

One of the easiest ways to calculate your motorcycle or scooter insurance premium is to use our two-wheeler insurance online calculator. Follow the simple steps:

• Add the details of your bike, including make, model, registration year, etc.
• Choose the type of policy you want. Enter the city you live in. Mention your age and gender. Add any add-on covers you want.
• Click on ‘Calculate Premium’ and voila! You will get an instant quote for your bike insurance policy premium.

Premium: The premium is the amount you have to pay for your two-wheeler insurance policy. It can be paid on a monthly, quarterly, or yearly basis.

Coverage: Coverage is the amount of money the insurance company will pay in case of an accident or theft.

Deductible: The deductible is the amount you have to pay out of your pocket before the insurance company starts paying.

Add-on covers: Add-on covers are optional and will provide you with additional coverage. Some of the popular add-on covers include nil depreciation, roadside assistance, engine protector, and pillion rider cover.

Cashless Claims: With a cashless claim, you can get your bike repaired at any of the network garages of the insurance company without having to pay anything out of your pocket.

Consumables: Consumables are items that need to be regularly replaced and include things like engine oil, brake pads, etc.

No-Claim Bonus (NCB): If you do not make any claims during the policy period, then you will be eligible for a no-claim bonus at the time of renewing your policy. This discount can go up to 50% and will lower your premium significantly.

Personal Accident Insurance: Personal accident insurance is an add-on cover that will provide you with financial assistance in case of an accident.

Third-Party Liability: Third-party liability is mandatory in India and will provide coverage if you accidentally damage someone else’s property or injure them while riding your bike.

Policy Period: The policy period is the duration for which your insurance policy is valid. It is typically one year and can be renewed after it expires.

IDV: IDV or Insured Declared Value is the maximum amount that will be paid by the insurance company in case of an accident or theft.

Terms and conditions apply. * For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned are for the product- Reliance Two Wheeler Package Policy. Upto 80% 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. **Subject to terms and conditions. UIN-IRDAN103RP0011V02100001.

Disclaimer: Savings/discounting is on the Own damage portion of motor insurance only. Discount on premium depends upon various risk factors like vehicle risk category, NCB status, vehicle parking facilities, geography etc. Final quantum of discounting may change upon entering the vehicle and/or risk details.

Note: Discount of upto 80% and the add-on covers mentioned here are applicable for the Annual Two Wheeler Insurance policy only.

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Ans. Firstly, the Motor Vehicles Act 1988 makes to mandatory for all vehicle owners to have a valid insurance policy.
That apart, you should get your vehicle insured because it saves you from any financial loss caused due to accidents, damage or theft of your vehicle. Additionally, insurance covers the safety of the co-passengers, someone else's property and pedestrians too.

Ans. Well, there are two types of two-wheeler insurance: 'Third-Party Insurance' and 'Comprehensive Insurance'.
Third-party insurance protects you against losses, which occur due to bodily injury or death to a third party or any damage to that person’s property. It is mandatory, by law, to have third-party insurance.
Comprehensive insurance, on the other hand, protects you against losses caused to you, your co-passengers and your vehicle in addition to third-party coverage.

Ans. You can insure only private vehicles, i.e. you can get a four wheeler or two wheeler insurance online.

Ans. Zero documentation is required to buy a two wheeler insurance policy online. This makes things really simple. However, you will have to provide details like:

• Registration number
• Engine number
• Chassis number
• Previous policy number (if you have any)
• Vehicle manufacturing date (mm/yy)
• Date and city of purchase
• You contact details (address, phone no and email id)
• You should also have a copy of your vehicle’s RC book.

Ans. The biggest benefit an online platform offers you is the ability to make any purchase decision in a simple and convenient manner. Since most insurance companies now offer this service, it is very easy to compare costs and features of all the policies. You can even calculate your motorcycle policy premium online and get a clear picture of the kind of expenses involved in buying your insurance plan. Payments also become easier via Net Banking and Credit Card.
Apart from all this, online insurance portals offer facilities like renewal reminders and tracking, which make your life a lot easier.

Ans. Yes, you can!

All you have to do is enter Policy No./ Cover No. and Engine Number and you can renew the policy online

Ans. If your motorcycle policy has expired, you can renew the policy by making payment online. Your Inspection ID will be generated and post satisfactory inspection and recommendation by surveyor your policy will be issued. Note this is only for Private Car & Two Wheeler and not for Third Party Liability Insurance

Ans. Once a request is raised in, the inspection takes place within 48 hours. A successful inspection is followed by an online recommendation made to you, by the surveyor. Within the 48 hours following that recommendation, you will have to log-in to the website and convert your two wheeler insurance policy.

Failing to convert your policy within that time frame means that you have to go through the entire process again.

Ans. If you’ve not claimed anything on your policy in the previous term, you get a discount on your scooter/bike insurance premium in following next terms. This discount is called a No-Claim Bonus.

This discount can be accumulated on a yearly basis starting from 20% at the first claim-free renewal, 25% at the second, 35% at the third, 45% at the fourth and 50% at the fifth claim free year, which is then continued for following claim-free years.

Ans. Yes, it is!

If you have accumulated NCB, at the time of renewing your existing two wheeler insurance policy, you can transfer the NCB. This needs to be done within 90 days of your renewal due date. If you wish to change your insurance provider at the time of renewing your policy, you can enjoy your NCB discount by getting it transferred.

Ans. The NCB will be transferred to Reliance General Insurance at the same rate you are entitled to get from your previous insurance provider while renewing your policy. However, remember to provide the No-Claim Bonus certificate from your previous insurance company to ensure the transfer.

Ans. The policy remains more or less unaffected even if you move. You will, of course, need to change your contact details i.e. your new address and phone number. This can be done online or at any Reliance General Insurance branch closest to you!

Your premium might change depending on the city you’re moving to. This is simply because motor insurance rates are fixed based on the registration zone of the vehicle. All metro cities (Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune) are part of Zone A, which has a higher rate of premium than the rest of the country (Zone B). So if you’re moving from a Zone B city to a Zone A city, your bike insurance premium will increase and vice versa.

Ans. Besides the fact that the bike insurance policy protects you against financial losses, it is also illegal to drive a bike with an expired insurance policy. So, bike insurance renewal must be done before the expiry of the existing policy, so the policyholder can enjoy uninterrupted coverage.

Ans. Insurance companies usually send reminders to policyholders before policy expiration. But still if you miss the deadline, you can renew it even after expiry. However, it’s crucial to know that if you delay it more than 90 days, you will lose your No Claim Bonus and will end up paying more in insurance premiums. Also, a delayed renewal would lead to a fresh inspection of the bike, which might reduce its Insured Declared Value (IDV).

Ans. Yes, in fact, a customer should pick a policy that gives maximum benefits at a lower premium. However, continuing with the same insurance provider gets more loyalty benefits like premium advantage , customer loyalty discounts etc.

Ans. Yes, if you get an anti-theft device installed on your bike that is certified by the Automotive Research Association of India (ARAI), you are eligible for discounts on premiums as it reduces the risk factor for the insurer.

Ans. The premium of a bike insurance policy depends on factors like the type of the insurance one is opting for, the IDV the person wants, the age, make, model of the bike, and the age and geographical location of the person seeking the policy.

Ans. Yes. As per the Motor Vehicles Act, it is mandatory to have a Third Party bike insurance that will cover third-party liabilities. However, experts recommend Comprehensive insurance that will cover not only third-party damages, but also damages and losses to your own vehicle.

Ans. Yes, you can. There’s no limit. However, it’s advised to go for only those add-ons that meet your requirements as more add-ons mean more premium. For every add-on, you have to pay extra premium.

Ans. The insurance policy needs to be transferred from your name to the new owner. You also have the option to cancel the existing policy at the time of selling. However, you can transfer the No Claim Bonus accumulated in your policy to your name which can be used for your new vehicle.

Ans. Yes. Most insurance companies in India give discounts on the premium if the policyholder is a member of ARAI.

Ans. In case of minor repairs, it is better not to make a claim. This way, you will be rewarded with a No Claim Bonus discount on your next premium for not making any claims during the policy period.

Ans. The cost of two-wheeler insurance depends on a number of factors, including the make and model of your bike, the type of policy you choose, your age and gender, etc.

Ans. Reliance General Insurance is one of the best insurance companies in India for two-wheelers.

Ans. Yes, it is mandatory to have at least third-party liability insurance for your bike in India.

Ans. You will need to inform the insurance company about the change in your job and location. The premium may change based on these factors.

Ans. Yes, the Reliance General Two-wheeler Insurance coverage is valid pan India.

Ans. Just log on to www.reliancegeneral.co.in and click on your profile. A soft copy of your policy document will be available for download. A print out of this document definitely serves as the original policy document.

Ans. If you have a two-wheeler on loan, then it is advised to have comprehensive insurance.

Ans. An endorsement is a written proof of an agreed change in the policy, as and when the need arises. There can be two types of endorsements: premium bearing and non-premium bearing.

In a premium-bearing endorsement, you will be charged an additional premium for things like transfer of ownership, addition of LPG / CNG kit, change of RTO location etc.

In a non-premium bearing endorsement, you won't be charged anything for the changes incorporated in the policy. For example, correction in contact details, correction in name, correction in engine / chassis number, addition of hypothecation, etc.

Ans. Yes, you can cancel your bike insurance policy during the policy tenure. However, there will be certain charges involved.

Ans. You can make changes to your two wheeler insurance only in the following cases:

• Either the name, registration number, engine number, chassis number or model number has to be corrected.
• There is a change or correction of your address
• There is a change in vehicle, RTO or registration
• There is an addition of electrical / non-electrical accessories and / or addition or change of hypothecation.
• There is an NCB recovery or change.
• For an endorsement, you simply need to raise a service request online, by logging onto our website: www.reliancegeneral.co.in.

Ans. The policy covers damage or loss to the two-wheeler due to:

• Accident
• Fire
• Lightening
• Self-Ignition
• Explosion
• Theft
• Riot & Strikes and / or Malicious Acts
• Terrorism
• Earthquake
• Flood
• Cyclone
• Inundation
• Transit by Rail, Road, Air and Elevator

Your policy can also cover a third-party entity, if the option is availed. We recommend that you opt for a Third-Party Liability Cover because it is now compulsory to be taken as per the Motor Vehicles Act. It covers third-party property damage and provides liability for the third-party in case of injury or death. Simply put, this cover offers you protection if the other party is uninsured or underinsured.

If you get a Personal Accident Cover, you will be covered against accidental death and permanent, total disablement. This policy is active anywhere in the world, whether you are driving or otherwise.

Apart from this, you can opt for any one of these add-on covers to get more comprehensive coverage:

• Total Cover
• Nil Depreciation

Ans. The risks that we don’t cover in this policy are as follows:

• Normal wear-and-tear of the vehicle
• Mechanical and electrical breakdown
• Vehicle being used other than in accordance with the limitations as to use. For example, if you use your two-wheeler for remuneration 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 claim.

Ans. Third-Party Cover is mandatory in India. It covers you against legal liability for injury or death or property damage caused to any third party, who is not in the insurance contract in an accident.

However, this policy does not cover damages or loss caused to your own vehicle in an accident or theft. In order to have a complete coverage, you should have a Comprehensive Two Wheeler Insurance Cover.

Ans. This is an optional cover, which protects you against accidental death and permanent total disablement. The Personal Accident cover is valid for 24x7 anywhere in the world, whether you are driving or otherwise.

Apart from this, if you want to cover the third person, then you need to buy a Personal Accident cover separately by paying an extra premium

Ans. You can claim the PA cover only if the Motor Insurance Policy:

• is in your name and you are the registered owner of the vehicle.
• has an owner-driver, paid-driver or unnamed passenger cover.

Ans. This is an add-on cover, which can prove beneficial if your two wheeler is completely damaged in an accident or it is stolen. In this case, the total sum of the expenses paid for the vehicle insurance, registration charges and road tax is reimbursed proportionately.

Ans. IDV stands for Insured's Declared Value (IDV). This is the present market value of a vehicle. It is calculated by adjusting the current manufacturer's listed selling price of the vehicle with depreciation percentage as listed in the table below:

Vehicle Age	% of Depreciation
> 6 months	5%
< 6 months but > 1 year	15%
< 1 year but > 2 years	20%
< 2 years but > 3 years	30%
< 3 years but > 4 years	40%
< 4 years but > 5 years	50%

Ans. Electrical accessories are any electronically powered accessories that are part of your vehicle. You can protect electrical accessories, which are not manufacturer fitted, by paying an extra premium of 4% on the value of the item. The value of the item is as stated by you i.e. the insured.

Non-electrical accessories include anything from foot rests to seat covers, which are not manufacturer fitted. Protection for these can be achieved by paying an extra premium on the invoice value.

Ans. Add-on covers literally add extra protection and cover benefits to your policy. They help to customise your two wheeler insurance policy based on your requirements.

You can opt for any one of these add-on covers to get more comprehensive coverage:

• Total Cover
• Nil Depreciation
• Voluntary Deductible

Ans. Voluntary deductible is an amount that you agree to pay towards a claim before the insurance company picks up the balance. It is a fixed and minimum amount that you declare to pay when you make a claim. This amount is inversely proportional to your premium. The higher your Voluntary Deductible amount, the lower is your premium.

For example, if your claim amount is Rs. 20,000 and the voluntary deductible is Rs. 3,000 then you have to bear the first Rs. 3,000 and the claim will be worth Rs.17,000.

Your deductible amount will differ as per the Cubic Capacity (CC) of your vehicle.as mentioned in pvt car

You may also opt for a higher deductible over and above the compulsory deductible (GR-40) amount. In this case, we will award you with a suitable discount based on the following table.as mentioned in pvt car

Voluntary Deductible Amount	Discount
Rs, 500	5% on the OD premium * of the vehicle, subject to a maximum of Rs. 50/-
Rs. 750	10% on the OD premium of the vehicle, subject to a maximum of Rs. 75/-
Rs. 1000	15% on the OD premium of the vehicle, subject to a maximum of Rs. 125/-
Rs. 1500	20% on the OD premium of the vehicle, subject to a maximum of Rs. 200/-

*Own Damage premium

Ans. This add-on cover entitles you to get 100% repayment on the depreciated parts (other than tyres and tubes) at the time of claim settlement. You can opt for a Nil Depreciation Cover when you get a new bike insured or at any subsequent renewal, so if you haven't got one right now, you should probably consider it!

By paying a minimal, additional charge on your premium, you can benefit in the following ways:

Avail repairing costs of fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts Please note that we cover only private cars and two wheelers, with a maximum of two claims in one policy period. This cover is applicable only for select make and models that are not older than two years.

Ans. Why not! You can easily get a cover for newly fitted accessories once you send us a written request, and share the complete details of the accessories. You will also need to pay an extra premium to get these insured.

Ans. Factors that affect / reduce your 2 wheeler insurance premium quote are:

• Insured Declared Value or IDV (present market value of the vehicle)
• Cubic Capacity (CC) of the vehicle
• Place of registration (Zone A / Zone B)
• Type of model
• Age of the vehicle
• Type of cover - whether you want comprehensive or third-party cover only
• Add-on covers chosen by you

Ans. Yes, you can pay your bike insurance premiums in monthly, quarterly, or yearly installments.

Ans. Online payments definitely make life easier. At Reliance General Insurance, you can pay your policy premium in following ways:

• Credit Card
• Netbanking
• Debit Card using ATM PIN
• Debit Card using 3D secure

We accept all Visa, Mastercard, American Express cards and other international credit cards.

Ans. Yes, it does. The brand, model and the variant of your bike or scooter determine its price. Since two wheeler insurance premiums are directly linked to the sum insured, the two-wheeler model affects the insurance cost.

Check: Two Wheeler Insurance By Brand And Model

Ans. As soon as any damage or loss occurs to the vehicle, regardless of the hour, we recommend that you call our helpline numbers immediately.

Paid Number: +91 22 48903009

You can also directly register your claim online. Click here to download the form.

Ans. Here’s a list of document you should keep ready while making a claim.

Accident Damages:

• Completed claim form
• Proof of Insurance - Policy / Cover Note copy
• Copy of Registration Book
• Copy of Driving License
• Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
• Repair bills and payment receipts after the job is completed
• Any other document as required by the insurer

Theft Cases:

• Original Certificate/Policy Document
• Original Registration Book, with Theft endorsement from concerned RTO, and tax payment receipt
• Previous Insurance Details
• Policy number
• Insuring office / company
• Period of insurance
• All the sets of keys/service booklets/Warranty card
• Police Panchanama / FIR and final investigation report/JMFC report
• Acknowledged copy of letter address to RTO intimating theft and making vehicle "NON-USE"
• Any other document as required by the insurer

Ans. You should immediately report to the nearest police station in case there is damage to any third-party property, bodily injury to third party or self, or theft of the vehicle.

Ans. You should immediately report to the police about your stolen vehicle before registering any claim. A delay in reporting will affect your claim, as a General Insurance Company could deny liability.

Ans. Cashless Claim: A cashless claim is one, where physical cash does not exchange hands during the settlement of the claim. We, the insurers, will pay the repair charges of the vehicle directly to the garage.

However, this is possible only if the garage is part of our listed network of garages.

Non-Cashless / Reimbursement Claim: This type of payment or settlement occurs when you choose a garage that is not part of our network. In this case, you need to make the complete payment to the garage at the time of the repairs. Later, you can get this amount reimbursed by submitting the original bills and payment receipts to our office.

Ans. If the damage to the vehicle is minimal, it is always a good idea not to make a claim. This will help you to benefit from the No-Claim Bonus (NCB) for every claim-free year.

If you don't make any claim on your insurance policy for a few years, the NCB can reduce your premium cost to half the price. In fact, it could very well be the case that the amount you spend on small repairs occasionally is lesser than the amount you stand to lose as No-Claim Bonus.

Ans. You can cancel your claim by calling our

Paid Number: +91 22 48903009

Ans. Click here to find out the address of a cashless garage closest to you

Ans. If the repair cost of your vehicle (in case of an accidental loss or damage) is more than its current value, it is known as contractive total loss.

Ans. Yes!

If the event of loss or damage took place during the policy period, you will be eligible for the claim even after the policy has expired.