Whoever said wishes don’t come true hasn’t explored our offers!
  • Reliance Two Wheeler Insurance

     4.0 / 5.0   by 106 users
    Used this product? Write a review >>

    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.

    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 6 1 2 3 4 5
    • Reliance General Two Wheeler Insurance
      "Wonderful"
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the Reliance general insurance company and the coverage value is around 1 lakh Rupees, also everything is good one with them like they have given the good coverage for the lesser premium amount , also am happy with them till now.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • Reliance General Two Wheeler Insurance
      "Average service"
      0.5 4.0/5 "Great!"
      Having the Reliance 2 wheeler insurance policy for past 11years. This policy has good benefits and the coverage. I paid Rs,980 to renew the policy last years. The customer service is good with reliance., They don't sent any kind of intimations to renew the policy on time. It would be great if they can give the intimation on time.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 16, 2017
    • Reliance General Two Wheeler Insurance
      "Good protection for two wheeler"
      0.5 5.0/5 "Blown Away!"
      My Hero passion pro bike got insured with Reliance General Insurance, I pay the premium around Rs.1500 it has tenure of one year. It gives 100% coverage on bike value, they have cashless claim facility. I have an online option to renew the policy.
      Was this review helpful? 0
      , srinagar
      Reviewed on Oct 14, 2017
    • Reliance General Two Wheeler Insurance
      "Good insurance"
      0.5 4.0/5 "Great!"
      I had a very good experience with Reliance General Insurance for my two wheeler insurance service. I never had any claim experience with this policy. The plan benefits and the coverage is good with this policy. The reminders are given on time to renew the policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 13, 2017
    • Reliance General Two Wheeler Insurance
      "good service"
      0.5 4.0/5 "Great!"
      I comes to know about this through online so I applied through online the process was very simple they never asked for any documents . I have received the documents and bond papers through post and I applied with their representatives who helped to process so I never had any issue till now ,overall I can say it was a very good service from RELIANCE .
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 11, 2017
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I got two wheeler insurance policy with Reliance general insurance company for past 5years. I paid Rs,1800 to renew the policy this year. The plan benefits and the coverage is good with this policy. I would say is is a good policy to use and I am satisfied having this policy.
      Was this review helpful? 0
      , panipat
      Reviewed on Oct 10, 2017
    • Reliance General Two Wheeler Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I am having the two wheeler, which got insured with the Reliance general insurance company and the response is good one for me. Policy coverage value is also fine one for me and the plan benefits are okay for me.
      Was this review helpful? 0
      , panvel
      Reviewed on Oct 07, 2017
    • Reliance General Two Wheeler Insurance
      "Good Policy to use"
      0.5 4.0/5 "Great!"
      I hold a 2 wheeler insurance policy with Reliance for past 2 years. I never had any claim experience so far. I paid Rs.2000 to renew the policy this year. I don't get any intimation to renew the policy on time. The customer service can intimate the customer to renew the policy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 28, 2017
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I renew the policy with reliance for past 3years. The customer service is good with Reliance .I have paid around Rs.1500 to renew the policy this year. The reminders are given before the due date. I never had any claim experience with reliance 2 wheeler insurance policy. I am satisfied having the 2 wheeler insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 26, 2017
    • Reliance General Two Wheeler Insurance
      "Good protection for two wheeler"
      0.5 4.0/5 "Great!"
      Through my bike showroom I have taken two wheeler insurance with Reliance by paying the premium OF Rs.1700 it has the tenure of one year.I could renew through online. It gives me 100% of coverage. I don't have claim experience but I got my policy copy.
      Was this review helpful? 0
      , chidambaram
      Reviewed on Sep 26, 2017
    • Reliance General Two Wheeler Insurance
      "Better"
      0.5 3.5/5 "Pretty good"
      I am having the two wheeler, which got insured with the Reliance general insurance . I would like to say that the plan benefits and other things are really fine and I have not faced any claims with them till now.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 25, 2017
    • Reliance General Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was an good service from RELIANCE regarding my insurance process ,their representatives where very helpful during the process . Even the documentation part was also good and I am paying 1400 yearly as an renewal amount ,overall no issue with their service it was good .
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 23, 2017
    • Reliance General Two Wheeler Insurance
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      In a year I pay the premium of Rs. 13,000 to Reliance for the two wheeler insurance, it has the tenure of one year. Each year they have depreciation value, their customer care is also good in servicing. I used to make the payment through online its good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • Reliance General Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I am renewing my Two wheeler insurance policy with Reliance for more than 3 years. I paid around Rs.750 to renew the policy this year. I don't have any claim experience so far. I get the notifications on time to renew the policy before the due date.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on Sep 18, 2017
    • Reliance General Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am holding the 2 wheeler insurance policy with reliance for past 1 year.I renewed the policy with reliance this year with Rs.1100. They sent the reminders to renew the policy before the expiry date. The customer service is good with Reliance. I don't have any claim experience so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 29, 2017
    • Reliance General Two Wheeler Insurance
      "Good policy to use"
      0.5 3.0/5 "Satisfactory"
      My 2wheeler has been insured with Reliance for past 3 years. I paid around Rs.1,800 to renew the policy this year. The plan benefits and the policy coverage's are good with this policy. I do get the reminders from Reliance to renew the policy in prior. I am satisfied having a reliance 2 wheeler reinsurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 09, 2017
    • Reliance General Two Wheeler Insurance
      "Good protection for two wheeler"
      0.5 4.0/5 "Great!"
      I have taken bike insurance for ROYAL ENFIELD bike, I purchased on 2014 worth Rs.1.50. I paid the premium of Rs. 1700 for one year coverage, I have been holding this Reliance general insurance from four year, vehicle value is increasing but with low premium, even online services available. Normally I do online renewal, I would get the policy copy immediately.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 04, 2017
    • Reliance General Two Wheeler Insurance
      "Good can do better"
      0.5 4.0/5 "Great!"
      The premium is high with Reliance 2 wheeler insurance policy, so that was the reason I have changed my 2 wheeler insurance policy to other insurance company. The policy coverages and the plan benefits are good with reliance. I have started paying Rs.950 To renew the policy, now it has crossed around more than Rs.1000,
      Was this review helpful? 2
      , chennai
      Reviewed on Jun 28, 2017
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the Reliance general insurance company and am with them from the last two years of time. Service aspects and other things are really good and the premium is around 1300 Rupees per annum. Coverage value is good one with the, also I have not faced any claims with them till now.
      Was this review helpful? 1
      , ernakulam
      Reviewed on Jun 21, 2017
    • Reliance General Two Wheeler Insurance
      "Good Protection for bike "
      0.5 5.0/5 "Blown Away!"
      From third party, I had taken bike insurance from Reliance General. I have made the premium of Rs.2500 for period of one year, I am pretty aware of the policy coverage. I thought bike insurance is necessary, hence I took. My Bike insurance gets expires on March 2018, then I can renew the policy by online.
      Was this review helpful? 1
      , chandigarh
      Reviewed on Jun 07, 2017
    Common Loader Icon
    Page 1 of 6 1 2 3 4 5
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.