Royal Enfield Classic 350

1. Regular wear and tear of your bike.
2. Theft of parts/accessories of your Royal Enfield where the bike hasn't been stolen.
3. If your vehicle meets with an accident when you were driving without a license.
4. Loss/damage caused to your bike while you were driving after consuming alcohol, etc.
5. Depreciation of your Royal Enfield bike with time.
6. Any type of mechanical or electrical failure.

Types of Royal Enfield Classic 350 insurance policies

Insurance companies in India offer two different types of two-wheeler insurance policies for Royal Enfield. If you want, you can buy extra riders and add-on covers along with the base cover to enhance the coverage:

• Comprehensive two-wheeler insurance plan - A comprehensive insurance plan offers extensive protection to your Royal Enfield bike. It includes an own damage cover as well as an optional third-party liability cover. Besides this, it also offers a personal accident cover of up to Rs.1 lakh.
• Third-party two-wheeler insurance plan - This is the basic insurance plan that you need to have to be eligible to ride your Royal Enfield Classic 350 bike on the Indian roads. It offers protection against the legal liabilities occurring due to damages or injuries caused to a third-party individual or property by your vehicle. However, it won't cover damages caused to your own vehicle during the accident.

Features of Royal Enfield Classic 350 insurance policy

Here are the key features of a Royal Enfield Classic 350 comprehensive insurance policy:

1. Extensive coverage: This policy is a comprehensive plan which covers the damages caused to your vehicle as well as other party vehicles during an accident. If you are at fault, your insurer will bear the cost incurred by the third-party by way of repairing the damages.
2. Protection for own damages: As the name implies, in the event of an accident or damage caused to your vehicle will be aptly compensated by the insurance company. Whether the damage has been caused due to an accident or natural calamity, or man-made disaster, you can raise a claim with your insurer.
3. Theft coverage: If your bike gets stolen then the insurance company will give the full insured value (IDV). Also, you will get the full compensation if your vehicle gets damaged up to such an extent which is beyond repair.

1. Personal accident cover: The insurance company will pay the hospitalisation cost in case you meet with an accident while riding the bike. You can claim up to Rs.1 lakh under this cover towards your medical expenses.
2. Third-party liability cover: If your vehicle causes any damage or injury to a third-party individual or his/her vehicle or property, then the insurance company will pay for the damages. However, you will not get any compensation in this situation.
3. Cashless claim settlement: Road accidents may cause minor to severe damage to your bike. However, when you have a comprehensive cover you don't have to worry as the cost of repairing will be borne by your insurer. Just take it to a network garage of the insurer and enjoy cashless claim settlement benefit.

Top companies which offer Royal Enfield Classic 350 insurance

You can purchase two-wheeler insurance for your Royal Enfield from these popular general insurance companies:

1. Royal Sundaram General Insurance Co. Ltd.
2. HDFC Ergo General Insurance Co. Ltd.
3. Bharti AXA General Insurance Co. Ltd.
4. ICICI Lombard General Insurance Co. Ltd.
5. Tata AIG General Insurance Co. Ltd.
6. Acko General Insurance Ltd.
7. Reliance General Insurance Ltd.

How to Apply for Royal Enfield Classic 350 insurance?

You can apply for a two-wheeler insurance policy for your bike both online and offline. Since the offline application process is tedious, most people prefer to apply for it online. The steps are as follows:

• Visit the official website of the insurer.
• Fill up the online application form with your details, vehicle registration number, driving license number, and other personal information.
• Upload all the essential KYC and vehicle-related documents.

You can also file the application manually by visiting the nearest office of the insurance company. Submit the filled-up and signed application form along with the documents that the company has asked for. In case you need any help, seek the assistance of the company representatives.