Insurance is like a spare tyre. You may not require it, but not having one is not an option.
Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Reliance Two Wheeler Insurance

     4.0 / 5.0   by 130 users
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    Plan Benefits

    Policy Coverage

    Customer Service

    Claim Experience

    Owing to a population dominated by the middle class, the volume of two wheelers in India is one of the highest in the world. On the contrary, the number of vehicles with an active insurance coverage is dismal. The general awareness surrounding the need for insurance is bleak. For the owner, it is considered a burden on the wallet as they fail to realise the future indemnity it provides.

    Backed by prowess in the general insurance sector, Reliance General provides comprehensive coverage for your two wheeler with a host of new age benefits backed by round the clock claims assistance and a massive network of garages for repair work. Plus, a host of add on covers are available to enhance the benefits of the two wheeler insurance policy.


    Key Benefits Of Reliance Two Wheeler Insurance

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    Cashless Claim Networks

    Cashless Claim Networks

    Cashless claim service is available at authorised network garages across India

    Discounts

    Discounts

    No Claim Bonus for 5 claim-free years is 50%. However, the percentage of the No Claim Bonus decreases as the number of claim-free years decreases.

    Accidental Cover

    Accidental Cover

    Personal accident cover for death and permanent total disablement is 10% of the sum insured


    Add-on Covers For Reliance Two Wheeler Insurance

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    Third Party Cover

    Third Party Cover

    The maximum cover for third-party property damage will be Rs. 1,00,000 in the case of two-wheelers.

    Additional Covers

    Reliance two-wheeler insurance personal accident cover, personal accident bundle cover, and NIL depreciation cover are provided.


    Inclusions And Exclusions In Reliance Two Wheeler Insurance

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    02
    Inclusion

    Inclusion

    Loss or damage to the insured vehicle due to fire / earthquake / flood / cyclone

    Exclusion

    Exclusion

    Damage by a person driving under the influence of liquor / alcohol / drugs


    Features & Benefits of Reliance General Bike Insurance

    • You have the flexibility to purchase a two wheeler insurance policy online. Payment can be made conveniently through various channels, such as Paytm, Credit or Debit card, Net Banking, etc.
    • The online method of policy purchase assures you an instant two wheeler insurance policy with absolutely no paperwork.
    • Reliance Insurance has a reliable reimbursement process that offers quick and easy claim settlements.
    • You can renew your two wheeler insurance policy without the need to get the vehicle inspected.
    • You can avail cashless claim facility at a wide network of authorised garages.

    Coverage of Reliance Two Wheeler Insurance plan

    This comprehensive insurance policy covers a wide range of damages or loss caused to the insured vehicle which also includes damages caused to third party person or property. Damage or loss to the insured two wheeler due to the following is covered.

    List of Covered Damages in Reliance Bike Insurance
    • Self Ignition
    • Accident
    • Transit by Rail, Road, Air & Elevator
    • Flood
    • Cyclone
    • Fire
    • Lightening
    • Theft
    • Earthquake
    • Inundation
    • Explosion
    • Terrorism
    • Riot & Strikes and / or Malicious Acts

    Pleasing Discounts on Premium Payments

    Get discounts on your next premium payment in the form of NCB(No claim Bonus) and Voluntary Deductible. Plus, you also have an advantage of transferring the NCB to your new vehicle.

    Details of the discounts on premium payment has been provided in the table below.

    No Claim Bonus

    A discount you’re entitled to for making no claims during the policy period. The discount is applicable on the premium amount during renewal of the policy.

    Claim Free Years Discount on your Next Premium
    One 20%
    Two 25%
    Three 35%
    Four 45%
    Five 50%
    Voluntary Deductible

    An amount which the insured chooses to copay in the claim amount with the insurer. Higher your contribution in form of Voluntary Deductible, lower the premium.

    Voluntary Deductible Discount on OD Premium of the Two Wheeler
    Rs.500 5%( maximum of Rs.50)
    Rs.750 10%( maximum of Rs.75)
    Rs.1,000 15%(maximum of Rs.125)
    Rs.1,500 20%(maximum of Rs.200)

    Add On Cover Options

    Reliance Two Wheeler Insurance Coverage

    As an enhancement to the features of the standard two wheeler policy, Add on Cover options are available to help you customise the policy as per personal preference. Reliance General offers two optional covers. They are

    Nil Depreciation Cover

    By adding a nominal amount to the premium, you can be eligible to avail this cover which offers “Zero Deduction” based on deprecation, which simply means that your claim is fully reimbursed without deductions. In case of a major claim, this cover helps in reducing the financial burden on you.

    Key features of this cover include:

    • The components of the vehicle that are made of nylon, plastic, rubber, and fiberglass will be covered.
    • Coverage is provided only to vehicles that are 2 years old or lesser.
    • The maximum number of claims that can be made in a policy period is 2.
    • This add-on cover can be added to enhance your new two wheeler insurance or your renewed policy.
    • Only two wheelers are covered under this plan.
    • The claim settlement will be made only for the insured vehicle. Also the payout is done only if it is repaired at one of the network garages of the insurer.
    • This add-on policy does not cover theft claims or constructive total loss.
    • Vehicle parts that are not approved by the insurer will not be covered.
    • Accessories made of rubber, such as tyres and tubes are not covered.

    Personal Accident Bundle Cover

    The cover provides monetary compensation for Accidental Death and Permanent Total Disablement. A sum assured is at disposal by means of a cover against accidents anywhere in the world, no matter who was driving at the time of accident.

    Coverage Capital Sum Insured Max. Compensation Amount
    Death and Permanent Total Disablement 500,000 100%
    Loss of sight in both eyes or Loss of limbs 500,000 100%
    Loss of sight in one eye and and loss of one limb 500,000 100%
    Loss of sight in one eye or loss of one limb 500,000 50%

    This Add On cover is highly recommended as it provides compensation for disablement which otherwise, is not available in the basic cover. This can be added to the policy at the time of annual renewal.

    Reliance Two Wheeler Insurance Personal Accident Cover

    Reliance General Insurance offers Add on Cover options to enhance the policy coverage for Two Wheelers.

    The Personal Accident Bundle Cover can be availed at a nominal addition to the premium amount. It covers accidents anywhere in the world and provides monetary compensation in case of Accidental Death and Permanent Total Disablement. Details of benefits are provided below.

    Coverage

    Capital Sum Insured

    Max. Compensation Amount

    Death and Permanent Total Disablement

    500,000

    100%

    Loss of sight in both eyes or Loss of limbs

    500,000

    100%

    Loss of sight in one eye and and loss of one limb

    500,000

    100%

    Loss of sight in one eye or loss of one limb

    500,000

    50%

    This Add On cover is highly recommended as it provides compensation for disablement which otherwise, is not available in the basic cover. This can be added to the policy at the time of annual renewal.

    Exclusions in the Reliance Two Wheeler Policy(Not Covered)

    • Routine wear and tear
    • The two wheeler used for purposes other than what it is accorded for
    • Electrical and mechanical breakdown
    • Damage caused to to the vehicle or third party by a person riding the vehicle without a valid Driving License
    • Damage or loss to the caused to the vehicle or third party 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 and Compulsory deductibles

    Reliance 2 Wheeler Claims Process

    • Call toll free on 1800 3009 to register the claim as soon as the claim occurs
    • Visit the nearest authorised garage with the vehicle for assessment and repair.
    • Provide the required documents to the surveyor as requested.
    • Upon confirmation of the claim, the required repair/replacement work can be carried out at the garage.
    • If the insured opts for cashless facility, Reliance General settles the bills directly with the garage after completion of the repair work.
    • If the customer is willing to pay for repairs upfront, bills can be submitted to the surveyor for settlement by means of reimbursement.

    Reliance Bike Insurance Renewal Online

    Two wheelers are way more vulnerable to road accidents than other vehicles. To ensure continued protection of your bike/scooter from accidents and other dangers, it is very important to not only buy a comprehensive insurance cover, but also renew it on time.

    Reliance General two wheeler insurance protects your vehicle from accidents, damages, loss, natural calamities, theft, etc. Cashless facility is also available at across a network of 159 chosen garages. Every two wheeler insured with the company is covered against any damage/loss, faced by a third party, caused due to the insured vehicle.

    The third party is compensated by the insurer, for the same. The insurance policy can be booked and renewed online through a very quick and hassle-free process. Just go on the official website of Reliance General Insurance, select the two wheeler icon and enter your existing policy number in the policy renewal tab. Click on ‘Renew My Policy’ and you will be directed to the two wheeler insurance policy renewal page. The website will guide you through the process thereafter, and you will have a renewed two wheeler insurance policy in no time. Give your vehicle the deserved protection and care with Reliance General two wheeler insurance renewal.

    Reliance Bike Insurance FAQs

    1. I am planning to buy Reliance two wheeler insurance policy online. What details do I have to provide?

      You will be required to provide details like registration number, chassis number, engine number, previous policy number, date & place of purchase, contact details and vehicle manufacturing date. Also, you need to have a copy of your vehicle’s RC book.

    2. What is No Claim Bonus (NCB)?

      Policyholders get a discount on the premium if they have not claimed anything the previous term, this discount is referred to as NCB. No Claim Bonus can also be accumulated on a monthly basis starting at 20% for the first year of claim free renewal and 25% for the next year and so on.

    3. How is the IDV calculated?

      IDV or the Insured Declared Value is calculated by adjusting the manufacturer’s listed selling price against the depreciation percentage which is based on the age of vehicle.

    4. I recently got a new leather seat cover. Can I get it insured at the middle of my policy term?

      Of Course! Send a written request to Reliance and share all the details about the accessory. Also, since leather cover is a non-electrical accessory, you will have to pay an extra premium to get it covered.

    5. How is the premium for my two-wheeler vehicle decided?

      The premium is decided based on factors like the cubic capacity, insured declared value of the vehicle, age and model, place of registration of the vehicle, add-on covers opted for and the type of cover selected by you.

    6. Can I pay my two-wheeler insurance premium online?

      Yes, you can make an online payment using credit cards, Debit cards using ATM Pin or 3D secure code and also using Net Banking.

    7. In case of a theft of vehicle, what should I do?

      You should report the theft to the nearest police station as soon as possible and register a claim by contacting the nearest Reliance office or through the online portal.

    8. When can I make a personal accident claim?

      You can make a PA claim if the policy is in your name and you are the registered owner of the two-wheeler. Also, if the motor insurance policy includes an owner-driver, paid-driver or unnamed passenger, you can make a personal accident claim.

    9. What is the extra premium that will be charged for insuring the electrical accessories?

      An extra premium of 4% of the cost of accessory has to be paid for insuring it.

    10. What is the cashless garage facility?

      In case of an emergency, you can reach out to any of the 159 network garages where you can get your two-wheeler serviced free of cost.

    Reliance Two Wheeler Insurance Reviews

  • Page 1 of 7 1 2 3 4 5
    • Reliance General Two Wheeler Insurance
      "Average policy to use"
      0.5 4.0/5 "Great!"
      I dont get the intimations to renew the policy on time from reliance. I have to remember the date to renew the 2 wheeler insurance policy on time. I have paid Rs,1400 to renew the policy last time. The customer support and the response need to be improved with the reliance. The policy coverage is good with the reliance and I am satisfied having this reliance 2 wheeler insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2017
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I was holding the reliance Two wheeler insurance policy for past one year. The customer support is good with the reliance they give proper response to the customers. I have paid Rs, 2600 to get this policy, I was having this policy before I had iffco tokio insurance policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • Reliance General Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Two wheeler insurance with Reliance.The premium amount is 1000 paid once in a year.I get a good policy coverage amount.I make payments directly by cash,i have no claim experience so far,the customer service is good and they respond on time.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Dec 11, 2017
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I am having the reliance two wheeler insurance policy for past 6 months. I paid Rs,1000 to renew the policy,. The customer support is good with the reliance, the response is good. I never had any claim experience with this policy , the plan benefits and the coverage is good with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2017
    • Reliance General Two Wheeler Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have taken a Two Wheeler Insurance with Reliance.The premium amount is 1200 paid once in a year through an ECS payment.This is my first premium as i have recently taken the insurance.I get a policy coverage of one lakhs.The executives are prompt.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 07, 2017
    • Reliance General Two Wheeler Insurance
      "Good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have two wheeler insurance with Reliance from last 6 years, it is a very good policy to use. This policy has to be renewed every year, i pay a premium of Rs 1250 on annual basis. I do not have any claim experience so far. Coverage amount is good in this policy and the customer service of Reliance is very good and they respond on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 05, 2017
    • Reliance General Two Wheeler Insurance
      "Two Wheeler Insurance with RELIANCE"
      0.5 4.0/5 "Great!"
      With RELIANCE GENERAL INSURANCE i have taken a Two Wheeler Insurance. This insurance, i directly got when i bought the bike. Its a good policy tho. The customer service and response with the company is fine and approachable.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 01, 2017
    • Reliance General Two Wheeler Insurance
      "Average service"
      0.5 2.0/5 "Expected more"
      I have a two wheeler insurance service from reliance ,the payments where generally through online ,the documents part was very easy with reliance ,the staffs are good in approach it was a average service from reliance two wheeler insurance service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 30, 2017
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 3.5/5 "Pretty good"
      When I had purchased my two wheeler they have provided a Reliance insurance. I don't have much experience, I just pay my insurance for my two wheeler. I have no idea about the benefits what I get from this two wheeler loan.. I pay 1210 rupees through cash as a premium.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 28, 2017
    • Reliance General Two Wheeler Insurance
      "Need to improve the service"
      0.5 4.0/5 "Great!"
      I had taken Two wheeler insurance with Reliance. The dealer has suggested this insurance provider. Every month they deduct 298 rupees for the insurance. I cannot claim for the plastic items, only they can do for metal items for my bike which I am not satisfactory. The policy coverage was 45K.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 25, 2017
    • Reliance General Two Wheeler Insurance
      "Improve the service & dis satisfactory"
      0.5 1.0/5 "Really Bad"
      My two wheeler insurance was taken with Reliance. The services was dis satisfactory. The payment option is convenient. The customer service and claim experience was not good. They need to improve the plan benefits and customer service. They provide 20K as a coverage amount. I pay 1200 rupees yearly for my insurance.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 25, 2017
    • Reliance General Two Wheeler Insurance
      "Average policy to use"
      0.5 3.0/5 "Satisfactory"
      The premium amount is high with reliance when compared with other insurance companies. I renewed my 2 wheeler insurance policy with Rs,1800. I never had any claim experience with this policy but the customer support is good with this policy , because I get reminders to renew the policy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • Reliance General Two Wheeler Insurance
      "Average policy to use"
      0.5 4.0/5 "Great!"
      I use the Reliance 2 wheeler insurance policy for past 5 years. The customer support is not up to the mark with reliance . They will not give reminders to renew the policy. I have paid Rs,4500 to renew the policy last year. This policy has only 1 year tenure and I have renewed my bike bullet 500 cc.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 21, 2017
    • Reliance General Two Wheeler Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a two wheeler insurance service with RELIANCE the payments will be generally through online the process was very fast they completed the process within 20 minus and the documents where updated through online it was a good experience with RELIANCE two wheeler insurance service.
      Was this review helpful? 0
      , surat
      Reviewed on Nov 20, 2017
    • Reliance General Two Wheeler Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Two wheeler Insurance with Reliance.I pay a premium of Rs 1500 once in a year,it gets debited from my savings account.I get a policy coverage of Rs 70,000 for the first main parts and for the second main parts is 30,000.The online service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2017
    • Reliance General Two Wheeler Insurance
      "Good insurance"
      0.5 4.0/5 "Great!"
      I have purchased a new two wheeler four months back. That time my dealer has suggested this insurance company. It is a free insurance. The documentation process is simple. They used to send a message and letters to my residential address. I feel the policy coverage is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 10, 2017
    • Reliance General Two Wheeler Insurance
      "Good Product"
      0.5 5.0/5 "Blown Away!"
      My bike Yamaha G5 worth Rs. 55,000 got insured with Reliance, I am paying Rs.1300 on yearly basis. Its was 10 years old bike I have third party damage cover alone, they are providing good cover on my value. I am making the payment through online, I used to get acknowledge for that payment.
      Was this review helpful? 0
      , avinashi
      Reviewed on Nov 09, 2017
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I am using the Reliance service for past 1 year. The customer support is good. I pay around Rs.2000 for annually to my broker. The documentation process is simple. I don't have any claim experience. The plan benefits and policy coverage option is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 08, 2017
    • Reliance General Two Wheeler Insurance
      "Fast and Best Insurance"
      0.5 5.0/5 "Blown Away!"
      The Reliance service is good for 2 years. I had applied through internet and they came to my place for document collection and their verification process is faster. I would easy it is a easier process. I pay Rs.900/year by net banking. Payment option is convenient. I don't have any claim experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 29, 2017
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Two wheeler dealer has offered an insurance with Reliance. The service is good. I paid around 1750 rupees for yearly. The payment made through cash. The plan benefits and policy average is good with Reliance. I have recently started the service.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Oct 28, 2017
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