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  • Reliance Two Wheeler Insurance

     4.0 / 5.0   by 88 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.

    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 5 1 2 3 4 5
    • review 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
    • review 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? 0
      , chandigarh
      Reviewed on Jun 07, 2017
    • review Two Wheeler Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I don't have any kind of claim experience with Reliance on my two wheeler insurance. This reliance reminds me how to renew the policy before the payment due date. I am holding a Platina Motor bike . I had to pay Rs.1500 to renew the policy and early once I renew this policy of Reliance.
      Was this review helpful? 2
      , pune
      Reviewed on Jun 07, 2017
    • review Two Wheeler Insurance
      "Better "
      0.5 4.0/5 "Great!"
      I am having two wheeler insurance policy with the Reliance general insurance company and the premium is around 2000 Rupees. Bills and receipts were given on immediate basis, also the coverage is only for the bike and third party coverage is not a applicable one.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • review Two Wheeler Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I don't have much experience on my Reliance two wheeler insurance policy, also there is no claim experience so far. The policy coverage is also not up to the mark and there are few other things which needs to be improved. The app is not user friendly. When I try to renew the policy I often face some down time issue, the premium what I pay currently is Rs.1100. Also they send reminders to renew the policy in prior in short I would say it is an average policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 22, 2017
    • review Two Wheeler Insurance
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      The reliance insurance company gives the notification to renew the policy prior to a month. I paid around Rs. 1800 a year to renew my policy. I hold a Honda Activa. I have to renew the policy every year. Overall the service is very good with Reliance insurance company.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2017
    • review Two Wheeler Insurance
      "Best Service"
      0.5 3.0/5 "Satisfactory"
      I am using Reliance two-wheeler general insurance policy for about a year. I directly go to the showroom and renew the policy. I paid Rs.1400, its valid upto one year. The plan benefits and the policy coverage's are good and I haven't had a claim experience with reliance yet.
      Was this review helpful? 2
      , mumbai
      Reviewed on May 02, 2017
    • review Two Wheeler Insurance
      "Good policy coverage"
      0.5 5.0/5 "Blown Away!"
      I have taken bike insurance with Reliance before two years, but I don't have any claim experience. Normally I used to make the premium of Rs.5000 it gives bike coverage for a year, Renewal process is simple, I visit to the branch and do the renewal with policy no and they offered me the 100% coverage.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 26, 2017
    • review Two Wheeler Insurance
      "No claims yet"
      0.5 4.0/5 "Great!"
      I am having two wheeler insurance policy with the Reliance general insurance company and it was done by the showroom itself. I have not faced any claims and they are providing around 70% of cost of the damage as reimbursement. Response is good with the Reliance general insurance company.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 15, 2017
    • review Two Wheeler Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I had got reliance bike insurance very recently. The claim benefits are really good with reliance bike insurance. I paid Rs.2300 for my Royal en field bike and I have also insured for other bike called Muppet which is also helpful. Reliance always gives excellent service.
      Was this review helpful? 1
      , raipur
      Reviewed on Apr 12, 2017
    • review Two Wheeler Insurance
      "Good for two wheeler"
      0.5 4.0/5 "Great!"
      I have claim experience with my two wheeler, My bike got fully damaged. Then I just called and informed to Reliance General Insurance and I submitted my hard copy documents to the branch. Within 15 days RELIANCE reimbursed 70% of bike value, this policy has no plastic coverage. I used the make the premium of Rs. 1400 for one year, this insurance helped on time to get my reimbursement on my bike damage.
      Was this review helpful? 3
      , chennai
      Reviewed on Mar 14, 2017
    • review Two Wheeler Insurance
      "WORST WORST WORST INSURANCE IS RELIANCE"
      0.5 0.5/5 "Unacceptable"
      I OWN A BRAND NEW CLASSIC 500 AND THE INSURANVCE IS UNDER RELIANCE GENERAL INSURANCE WORST COMPANY MY ACCIDENT COST 30000 BUT RELIANCE IS DENIED TO GIVE APPROVAL ,LATER I PAIOD IN MY OWN COST.BUT WHERE AS TATA AIG IS GOOD ENOUGH IN THEIR POLICY.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 08, 2017
    • review Two Wheeler Insurance
      "Best "
      0.5 5.0/5 "Blown Away!"
      I have two wheeler insurance policy with the Reliance general insurance company and am paying around 1700 Rupees, also I would like to say they are reliable while it comes to customer service. I had been with them from the last three years of time. Total insured value is around 40000 Rupees for my two wheeler.
      Was this review helpful? 4
      , bangalore
      Reviewed on Feb 17, 2017
    • review Two Wheeler Insurance
      "Two wheeler insurance is very good"
      0.5 5.0/5 "Blown Away!"
      Two wheeler insurance is very good with Reliance I did not face any problem till date. Only for security purpose I had taken the insurance. I visit their branch reguarly they advise me to pay a certain amount I make the payment it is appx around rs 1000 . This insurance was taken through the show room dealer.
      Was this review helpful? 3
      , chennai
      Reviewed on Feb 03, 2017
    • review Two Wheeler Insurance
      "Two wheeler insurance"
      0.5 2.0/5 "Expected more"
      I am not sure abut the policy benefits of Reliance two wheeler insurance. It took about a month time for them to claim settlement. I had approached the same person who sold the insurance for the bike it was through him I had taken this insurance . I was able to get only a partial amount which is 70% of the insured amount
      Was this review helpful? 4
      , jabalpur
      Reviewed on Jan 02, 2017
    • review Two Wheeler Insurance
      "My two wheeler insurance"
      0.5 5.0/5 "Blown Away!"
      Every year exactly before a month my policy could get expired. I used to get calls from Reliance for the two wheeler insurance. They call back stating whether I am interested in renewing the policy. Once after I give my consent to them the next day they will send some one to collect the documents like cheque leaf. Post which they will send the documents to my correspondence address. But the only constraint here is the policy coverage amount goes down every year as the vehicle gets older.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 07, 2016
    • review Two Wheeler Insurance
      "It is good"
      0.5 5.0/5 "Blown Away!"
      With Reliance I had applied for the two wheeler loan online I got to know that company is charging a lot of charges. They called me and assisted me further. The ad visor contacted me and assisted me further. They had also offered some discounts finally I had taken it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 01, 2016
    • review Two Wheeler Insurance
      "Its Okay"
      0.5 4.0/5 "Great!"
      When I bought my new two wheeler the showroom had provided Reliance insurance without any charges. Just 2 month before I had taken that two wheeler insurance it was good. With other plan benefits. However I dont have any experience with this.
      Was this review helpful? 0
      , karimnagar
      Reviewed on Nov 02, 2016
    • review Two Wheeler Insurance
      "Very worst policy "
      0.5 0.5/5 "Unacceptable"
      Hello friends don't buy the Relince general insurance very worst claim and service support.. I had buy the insurance one year before now I switch over to Tata Aig .. I suffered many times because of the poor customer service...............
      Was this review helpful? 2
      , chennai
      Reviewed on Oct 27, 2016
    • review Two Wheeler Insurance
      "It is thebest"
      0.5 4.0/5 "Great!"
      Reliance two wheeler insurance is the best among st all the other insurance. The terms and conditions are really good when compared with others. I am getting very good offers from them. I am supposed to pay about rs 1300 and I had taken this for a period of one year and I had got my soft copy and I get to my hard copy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 24, 2016
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