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Own Damage Two-Wheeler Insurance Online
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Own Damage (OD) helps you stay covered against damage caused to your vehicle due to accidents like fire, theft, etc. In case of an accident, an own damage cover compensates you for expenses to repair or replace parts of your two-wheeler damaged in the accident.
There are many instances that can result in damage to your two-wheeler. For example, you could be heading to work or dropping your child to school on your bike. Out of the blue, another vehicle rams into your bike and it get severely damaged in the process. In such circumstances, a two-wheeler own damage insurance policy will reimburse you for repair-related expenses. You can also get repairs done without paying anything from your pocket at the cashless network garages.
A two-wheeler own damage insurance is a must if you want to protect yourself from the financial burden arising out of the uncertainties from travelling on road. Therefore, investing in one is prudent and financially wise.
At Reliance General Insurance, we want to make sure our two wheeler insurance holders can secure the best possible protection for themselves. So choose wisely and secure your two wheeler with our assortment of add-on covers for bike insurance.
With a zero depreciation bike insurance add-on, secure your two wheeler against a reduction in the value of parts with age. You will get the parts replaced without feeling the pinch on your wallet.
This add-on cover is applicable to the following conditions:
Nil Depreciation UIN: IRDAN103RP0002V01201920/A0022V01201920
This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorised network garage for more than 3 days for repairs.
This add-on cover is subject to the following conditions:
Daily Allowance Benefit UIN: IRDAN103RP0002V01201920/A0021V01201920
This add-on covers up to 3 EMIs of your insured vehicle if it is in the insurer's authorised network garage for more than 30 days for repairs.
EMI Protection UIN: IRDAN103RP0002V01201920/A0025V01201920
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 an Annual Two Wheeler policy and can be bought as an add-on cover at the time of purchase.
Please note that the policy:
Helmet Cover UIN: IRDAN103RP0002V01201920/A0019V01201920
No-Claim Bonus (NCB)
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 throughout 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.
Voluntary Deductible
It is 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 the calculation of the Voluntary Deductible discount: -
This policy covers the cost of damages to your two wheeler due to:
When opting for an own damage two wheeler insurance policy, you must be aware of what benefits you’re missing out on. Let’s take a look at what this policy does not cover:
*T&C apply. Policy will be issued / renewed only if TP policy is in force. Details mentioned here are for the product- Reliance Two Wheeler Policy- Stand-alone Own Damage (UIN- IRDAN103RP0002V01201920). For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
#The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
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