Royal Enfiled Two Wheeler Insurance

Creating classics ever since 1901, Royal Enfield is undoubtedly one of the most famous motorcycle manufacturer in the world. Known for crafting bikes the old fashioned way, Royal Enfield has, over time, transformed itself into a lifestyle brand, producing motorbikes which balance retro looks with modern machinery. Royal Enfield motor bikes are hand crafted in India at their workshop located in Tiruvottiyur, Chennai, India. Known for their ‘Cruiser’ bikes, the Royal Enfield Bullet 350 holds the honor of being the only bike which has remained in production and continues to be in high demand, ever since 1932.

Anyone who has one, will be familiar with the pride and joy that comes with owning a Royal Enfield motor bike. As a proud owner of a Royal Enfield, you want to make sure that you provide nothing other than the best protection to your vehicle. As per the Motor Vehicle Act of 1988, it is mandatory by law for your vehicle to be insured before you take it out to drive. Given that, you would like to ensure that your vehicle is protected from all risks or unforeseen happenings, which is why two wheeler insurance is nothing short of a necessity. Here is some handy information regarding two wheeler insurance provided for royal Enfield motorbikes.

Features and Benefits of Royal Enfield Bike Insurance:

  1. Road Side Assistance – The unexpected can happen anywhere. Make sure you are prepared to. With your royal Enfield insurance cover, you get Road side Assistance, which provides mechanical and any other assistance which the rider might require until they are moved to a safer spot.
  2. Cash Less Settlement At All Network Garages – Enjoy the facility of cashless claim settlement at garages which are a part of your insurance provider’s network. This means that, in case your motor bike has sustained any damage following an accident, the cost of repairs will be paid by the insurance provider to the garage workshop and you do not have to pay anything from your pocket.
  3. Engine Protection Coverage – The engine of a Royal Enfield features advanced mechanics. While the vehicle is built to withstand routine wear and tear, any serious damage can affect the normal functioning of the vehicle. Two wheeler insurance policies designed for Royal Enfield motor bikes offer Engine Protection coverage which covers damage to the engine or any parts of the engine, as per pre-specified policy guidelines.
  4. Third Party Liability Coverage – Third party liability coverage is a mandatory requirement as per the Motor Vehicles Act of 1988. This cover protects you in case any legal liability may arise following an accident where the insured vehicle has caused damage to any third party property or any third party individual who may suffer permanent disability or death, as a result of the accident.
  5. Personal Accident Coverage (Driver And Owner) – Two wheeler insurance policies for Royal Enfield motorbikes also provide Personal Accident cover for the rider and owner of the motorbike. This means that the insurance company will provide a certain sum as Personal Accident Cover in case the rider or owner of the vehicle sustains any permanent disability or dies following an accident while driving the insured vehicle.

How To Ensure You Get The Best Insurance For Your Royal Enfield:

Royal Enfield motorcycles are one of the higher end motor bikes available in India. Considering that, these bikes also require adequate them from a variety of risks and perils. Also, the premiums and deductible for Royal Enfield motorbikes will be comparatively higher than those of most other motorbikes which fall in lower segments. Considering all this, it is important that you choose the right insurance cover for your royal Enfield motorbike.

Royal Enfield motorcycles are primarily designed for a rugged terrain, while also equally suited for regular riding. Therefore, the ideal insurance policy for the bike should not only cover risks involved in every day travel but also for long distance driving, for minor and major risks. Do your research thoroughly before you settle in on a certain policy. Compare different factors like premiums, coverage provided, claim settlement process, garage network, branch office, online policy availability and renewal, among others to gauge if the policy is suited to your needs. Also, check for user reviews for the policies that you shortlist as they can give you real-time concerns which policy holders might have faced. Many insurance providers also provide discounts on policy premiums for drivers who may be members of an automobile association or have approved anti-theft devices fitted in their vehicle.

Two Wheeler Insurance Online

Insurance Companies offering Royal Enfield Bike Insurance are:

There are currently two insurance companies which provide two wheeler insurance for Royal Enfield motor bikes. Both Bajaj Allianz and HDFC Ergo provide comprehensive coverage for Enfield motorbikes.


Bajaj Allianz


Electrical Accessories



Non-electrical Accessories



Bi Fuel Kit



Personal Accident Cover



Zero Depreciation Cover






Voluntary Deductible



Automobile Association



Professional Discount



Different models offered by Royal Enfield:

  • Royal Enfield Bullet
  • Royal Enfield Continental GT
  • Royal Enfield Thunderbird
  • Royal Enfield Bullet Electra Twinspark
  • Royal Enfield Bullet 500 Twinspark
  • Royal Enfield Classic Chrome
  • Royal Enfield Classic
  • Royal Enfield Classic Desert Storm

Royal Enfield Two-Wheeler Insurance FAQs:

  1. Q: Is there any choice available in two wheeler insurance policies offered by HDFC Ergo?

    A: Yes, HDFC Ergo offers two different kinds of two wheeler insurance policies which are Two Wheeler Comprehensive Insurance policy and a Two Wheeler Liability Only - Multiyear policy.

  2. Q: What do i get with my Bajaj Allianz Two wheeler Insurance for my Royal Enfield?

    A: With your Bajaj Allianz Two wheeler Insurance policy, you get the assurance of hassle free claim settlement process, the option to purchase and renew your insurance policy online and round the clock caim support.

News About Royal Enfiled Two Wheeler Insurance

  • Fresh details revealed for the new Royal Enfield Classic through spy shots

    Motorcycle enthusiasts saw the spy images of an updated Royal Enfield Classic being tested in the month of March this year. Some new images of the motorcycle have surfaced online, and these images reveal a lot of new details about the latest update of the motorcycle.

    The motorcycle can be expected to come with a completely new engine as the images reveal the disc brakes being shifted to the right-hand side as opposed to the left-hand side in the outgoing models. The engine can also be expected to be made BS-VI compliant as the deadline for the same is around the corner. The motorcycle no longer sports a kick-starter. It has also replaced the gas-charged twin suspension setup for a more conventional unit. A lot of other cosmetic changes has also been noticed on the previous mule as well as the recent photos. These include a raised grab rail, a revised tail lamp, redesigned seat, and so on. The chassis of the motorcycle has also been updated and the motorcycle now stands on a double-cradle frame instead of a single-downtube chassis.

    03 July 2019

  • Royal Enfield is one of the largest premium motorcycle manufacturer in India

    The company is now planning to invest Rs.700 crore in the form of capital expenditure for the present financial year. The amount allocated will be spent on constructing a technology centre, developing new products and platforms, and the constructions of the phase-2 of the plant in Tamil Nadu. Close to 8.22 lakh units were sold by Royal Enfield in the last financial year. The production capacity guidance value was 9.25 lakh. This was reduced from the initial target of 9.5 lakh set by the company. Royal Enfield is planning to produce 9.5 lakh vehicles for the 2019-20 fiscal. The current production capacity of the company stands at 90,000 units a month which is close to 10.8 lakh units every year. Building of phase 2 of the plant will help the company produce 25,000 more Royal Enfield bikes every month. This will help increase the production capacity of the company to 13.8 lakh. Sales of the bike reduced by 13% during the January-December quarter. The company is hopeful of achieving a growth rate of 16% this year.

    20 May 2019

  • Royal Enfield set to invest Rs.700 crore in 2019-20

    The last financial year was not a great one for Indian two wheeler manufacturers, Royal Enfield. The company had witnessed a drop in the sales figures owing to a number of factors. However, for the new financial year, the automaker has decided to make an investment of Rs.700 crore as the capital expenditure.

    The speculated capital expenditure is tagged to the completion of construction of the technology centre which is being set up in Vallam Vadagal in Tamil Nadu. The money will also be used towards the betterment of platforms and products. In addition to all these things, the company also has set a target of setting out an output of 9.5 lakh units of motorcycles. While talking about the investment plans of the company, Siddhartha Lal said that the company will be focusing on the upcoming transition to the BS-VI emission norms. This will be carried out in addition to the strengthening of the product development capacity of the company. The products which will have maximum reworking during this tenure are the most popular Royal Enfield Classic, Royal Enfield Bullet, and Royal Enfield Thunderbird models. It can be safely concluded that RE is already working on these motorcycles as some of them have been recently spotted on the Indian roads while they were on test runs.

    17 April 2019

  • Effect of GST on Royal Enfield Motorcycles

    Following the commencement of GST, the giant motorcycle maker – Royal Enfield has announced the changes to the motorcycle prices based on new GST scheme. The new motorcycles with 350cc will cost less while the motorcycles with 500cc will cost more. Under the new price list, the price for Bullet Electra has dropped by over Rs.2,000, and the price for 500cc motorcycles have increased by over Rs.1,000 – Rs.2,000. Currently, the company has announced the prices for the Chennai market only.

    10 July 2017

  • Royal Enfield and Yamaha Record Increase in Two-Wheeler Sales

    The festive period in India has been of relative benefit to the two-wheeler industry as sales have risen significantly in the recent past. Royal Enfield revealed that a growth of 32% was recorded in sales, while Yamaha reported a 22% increase in sales. Royal Enfield sold more than 58,000 units in October 2016, marking a significant increase from the 44,000+ vehicles sold in the same month a year ago. Even India Yamaha Motor recorded strong growth over the past year, selling around 86,500 units in October 2016, compared to the 70,000+ units sold in the same month last year. This upward trend is expected to continue each year during the festive season due to an increasing number of buyers in addition to attractive pricing.

    10 November 2016

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