Reliance Two Wheeler Insurance

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.

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

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 General Long-Term Two Wheeler Insurance

Reliance now offers long-term two-wheeler insurance for a period up to 3 years. With the payment of a one-time premium, you can ride without any worries for the next 3 years. There are several benefits of a multi-year two-wheeler insurance some of which are mentioned below:

• The premium is locked-in for 3 years and is free from the effects of inflation.
• The No Claim Bonus (NCB) can be availed for all the three years till the policy is valid.
• Discounts ranging from 7.5% to 13% on purchase of a multi-year bike insurance policy.

Reliance General Two Wheeler Insurance Premium Calculator

Reliance two-wheeler insurance premium calculator is one of the quickest and easiest methods to know the premium amount on your bike insurance policy as well as to purchase a new policy at the earliest. The premium can be obtained easily by filling in few basic details such as the two-wheeler registration number, age of the bike, make and model of the bike, and your contact details.

Reliance General Insurance: Customer Care Contact Details

Reliance General Insurance Limited (RGI) has over 12,000 intermediaries and 139 offices that offer extensive customer service and support to customers across the country. If you are looking to buy a motorcycle insurance policy, renew the existing policy, or have any other policy related issues, you may reach out to Reliance General Insurance customer care centre in several ways. Following are some of the offline and online channels to get in touch with the customer care team and get your queries resolved.

Reliance General Two-Wheeler Insurance Helpline Number:

Customers can get assistance with purchase, renewal, and other issues related to bike insurance policy over phone by calling on the below-mentioned number. They may also register their claims by calling on the same number.

Toll Free Customer Care Number: 1800 3009

Reliance General Two-Wheeler Insurance Email Address:

You may drop an email at rgicl.services@relianceada.com in case you have any queries or concerns that you need assistance with. The customer support team will respond to the same within a specific time-frame.   

Reliance General Two-Wheeler Insurance Mailing Address (Only For Correspondence):

Customers can send their queries or concerns via post to the following address:

Reliance General Insurance, Correspondence Unit,

301-302, Corporate House RNT Marg,

Opp. Jhabua Tower, Indore,

Madhya Pradesh, India – 452001

Online Chat:

The ‘Online Chat’ feature allows customers to interact with customer care executives and get their issues resolved in real time. The ‘Online Chat’ feature can be found on the right hand side icons in official Reliance General Insurance website.

Request A Call Back:

You may request a call back by clicking the ‘Call’ option on the right hand side of the official website. All you have to do is fill in some basic contact details and submit a call back request. You will soon receive a call from the customer care executive who will help you with your queries and concerns.

Visit The Nearest Branch Office Of Reliance General Insurance:

Reliance General Insurance has offices spread across India and you may visit one of their offices if you wish to know about the products offered by them or have issues with your existing policy. The customer support staff at the helpdesk will assist you with your queries. Here are the addresses of branch offices in important Indian cities:      

Mumbai

Branch	Address And Contact Number
Santacruz	Reliance Centre, South Wing, 4th Floor, Off. Western Express Highway, Santacruz (East), Mumbai Phone Number: 022-33031000
Borivali (West),	Tiara building, 4th Floor, Chandavarkar Lane, Borivali (West), Mumbai Phone Number: 022-30885709
Goregaon East	4th Floor, Chintamani Avenue, Next to Virwani Industrial Estate, off western express Highway, Goregaon East, Mumbai-400063 Phone Number: 022-33123123
Dadar West	Apple Plaza, Unit no. 301, 302 and 303, Senapati Bapat Marg, Dadar West, Mumbai Phone Number: 022-33458000
Ghatkopar (E)	210,Sai infotech, 2nd flr, R.B. Mehta Marg, Patel Chowk, Ghatkopar (E), Mumbai Phone Number: 022-39981325
Mumbai Fort	21 Veena Chambers Ground Floor Dalal Street Mumbai Fort, Mumbai Phone Number: 0-7666828135
Vashi	3rd Floor, Apeejay Express, Plot No. 87, Sector 17, Vashi, Navi Mumbai Phone Number: 022-39101041

New Delhi

Branch	Address And Contact Number
Connaught Place	Flat No-10-15, 14th Floor, Vijaya Building, 17, Barakhamba Road, Connaught Place, New Delhi-110001 Phone Number: 011-39975617
Okhla	Plot No - D160/2, 2nd and 3rd floor, Okhla Industrial Area Phase 1, New Delhi Phone Number: 011-30913560
Laxmi Nagar	Flat no. 408-412A, 4th Floor, Plot No.21, Metroplex East, (Old Radhu Cinema), Distt. Centre, Laxmi Nagar, Delhi-110092. Phone Number: 011-39827100
Janakpuri West	C-1 IIIrd Floor, New Krishna Park , Beside Janakpuri West Metro Station, New Delhi - 110018 Phone Number: 011-30292925
Okhla Industrial Area	Plot No - D160/2, 2nd and 3rd floor, Okhla Industrial Area Phase 1 Phone Number: 011-30913560

 

Bangalore

Branch	Address And Contact Number
Rajajinagar	UNNATI ARCADE, 5/111 & 6/112, 1st floor, 1st Block, Dr. Rajkumar Road (1st main road), Rajajinagar, Bangalore - 560010 Phone Number: 080-41900202
Jayanagar	2nd floor, SM Towers, 11th Main, 3rd Block, Jayanagar, Bangalore Phone Number: 080-30480894
BTM Layout	2nd Floor, Balaji Enclave No 782,2nd Floor, Above Bata Showroom, 16th Main, 2nd Stage, BTM Layout, Bangalore Phone Number: 080-39860971

Chennai

Branch	Address And Contact Number
T Nagar	Old No 15, New No 29, 3rd Floor, North Usman Road, T Nagar, Chennai Phone Number: 044-30062371
Anna Nagar	H Block, 4th street, Door No 12, H 2035, 15th Main Road, Anna Nagar (West), Chennai Phone Number: 044-30925816

Hyderabad

Branch	Address And Contact Number
Abids Road	4-1-327 TO 337,IV Floor, Sagar Plaza, Abids Road, Hyderabad Phone Number: 040-39838550
Musheerabad	1st Floor, Vijetha Sanjeevani, H.NO.6-4-8, Opp. Gandhi Hospital, Musheerabad, Hyderabad Phone Number: 040-69000322

Kolkata

Branch	Address And Contact Number
J L Nehru Road	Himalaya House 8th floor,38 B J L Nehru Road, Kolkata Phone Number: 033-30274578
J L Nehru Road	Himalaya House 5th floor,38 B J L Nehru Road, Kolkata Phone Number: 033-30274578

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.