• Reliance Two Wheeler Insurance

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    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

    01
    02
    03
    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

    01
    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 8 1 2 3 4 5
    • Reliance General Two Wheeler Insurance
      "Better"
      0.5 5.0/5 "Blown Away!"
      I have insured my two wheeler with the Reliance general insurance company. Response is fine one for me with them and the coverage value is around 60000 Rupees. Response is fine one with the Reliance general insurance company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had a two wheeler insurance with Reliance for past 2 years. The customer service was really good. I would say the claim experience was good and excellent. I have paid 1000 rupees for this insurance. I get a remainder call, message and email for the policy renewal.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have paid Rs,2000 to renew the policy last year from the RELIANCE GENERAL INSURANCE company,. The policy coverage is good with this policy . I never had any claim experience with this policy ., I would say it is good to use the RELIANCE GENERAL INSURANCE company two wheeler insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 19, 2018
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I took my two wheeler insurance with Reliance. It was taken through online. It is a two year policy. I paid around 2000 rupees to purchase this insurance. I have chosen because they are customer friendly. The policy coverage and the benefits are good.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 14, 2018
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have insured my two wheeler with the Reliance general insurance company. I would like to say that the customer service is good one with them and the coverage value is good one with the Reliance general insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 13, 2018
    • Reliance General Two Wheeler Insurance
      "Its good"
      0.5 4.0/5 "Great!"
      Recently I have renewed my bike insurance with Reliance Gerneral, because the cost is cheapest among other insurance provider. I paid the premium amount around Rs. 1150, They gave me the best IDV value around Rs. 30,000. It also includes basic cover like third party damage and accidental cover.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 09, 2018
    • Reliance General Two Wheeler Insurance
      "Its good"
      0.5 4.0/5 "Great!"
      Recently I have renewed my bike insurance with Reliance Gerneral, because the cost is cheapest among other insurance provider. I paid the premium amount around Rs. 1150, They gave me the best IDV value around Rs. 30,000. It also includes basic cover like third party damage and accidental cover.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 09, 2018
    • Reliance General Two Wheeler Insurance
      "Need to explore"
      0.5 3.0/5 "Satisfactory"
      I am having the two wheeler insurance policy with the Reliance general insurance company. I would like to say that the customer service is good one with them and the coverage value is fine one for me with them. I am really happy with the Reliance general insurance company.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 09, 2018
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      I have purchased bike insurance with Reliance. It was taken through online. I am satisfied with the features and the premium. There is no much interaction with the customer service. The policy coverage and plan benefits are better than others. I paid 2.5K approximately for the extra benefits.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 08, 2018
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I insured my two wheeler from the Reliance general insurance company, I am renewing my two wheeler insurance policy from reliance for the past 2 years. I paid Rs,1800 to renew this policy last year. The plan benefits and the coverage is good with this policy.
      Was this review helpful? 0
      , hosur
      Reviewed on Feb 06, 2018
    • Reliance General Two Wheeler Insurance
      "Better service"
      0.5 4.0/5 "Great!"
      I use the two wheeler insurance policy with the RELIANCE GENERAL INSURANCE company from pat 2 years. I have paid Rs,1500 to renew the policy last year. The customer support service is good with the RELIANCE GENERAL INSURANCE company , they give reminders to renew thee policy before the due date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 05, 2018
    • Reliance General Two Wheeler Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I have two wheeler insurance with Reliance general from last 5 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1300 for this insurance. I do not have claim experience so far with this insurance. They cover up to 70% in case of any accident.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 01, 2018
    • Reliance General Two Wheeler Insurance
      "reliable"
      0.5 5.0/5 "Blown Away!"
      i have a two wheeler insurance in reliance. I impressed by the reliance insurance features, they will give additional 2 days due time to renewal my two wheeler insurance even my renew date is over. It helps me to renewal the two wheeler insurance one time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 23, 2018
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I got the Two wheeler Insurance policy with the RELIANCE GENERAL INSURANCE Company around 6 months ago. I have paid Rs, 1300 to get this policy. This policy has the tenure of one year. I never got any claim experience with this RELIANCE GENERAL INSURANCE policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2018
    • Reliance General Two Wheeler Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      I have got the reliance 2 wheeler insurance policy around 3 months ago. I have paid Rs,1200 to renew this policy. I never got any claim experience with this policy . The customer support is good with the reliance general insurance because they give intimations to renew the policy before the due date.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 15, 2018
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My two wheeler insurance was taken with Reliance. I paid 1,600 rupees for the policy renewal. The premium is normal with Reliance. The customer service was good. There is no claim experience till now. I don' t know about the policy coverage and benefits.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 11, 2018
    • Reliance General Two Wheeler Insurance
      "Better"
      0.5 3.0/5 "Satisfactory"
      I have insured my two wheeler with the Reliance general insurance company. I would like to say that vehicle coverage value is good one for me with the Reliance general insurance company and I have not contacted them so long time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 10, 2018
    • Reliance General Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Two Wheeler Insurance with Reliance General Insurance.The premium amount is Rs1500 paid once in a year.I have been using the policy for last few years.I get a good policy coverage amount.Online service is very comfortable to use i make premkum amount by cash.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 09, 2018
    • Reliance General Two Wheeler Insurance
      "Good Insurance"
      0.5 3.0/5 "Satisfactory"
      I took this 2 Wheeler Insurance some time back and it was one of the better Insurance that I took. I paid a premium of Rs.1800 for one year scheme. Their coverage is good. Their policies are also very definitive. Payment option with them is very easy to make.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 06, 2018
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have the Reliance two wheeler insurance policy. I have this policy for past 2 years. I have paid Rs,1200 to renew the policy last year. The benefits are good with this policy. Their customer support is good with reliance because they give intimations on time to renew the policy before the due date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 29, 2017
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