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  • Reliance Two Wheeler Insurance

    Two Wheeler Insurance
    • Get quotes from multiple insurers
    • Cashless garages available
    • Buy/renew your policy online without hassles

    Riding a two-wheeler without a valid insurance can attract a fine of Rs.1,000 or imprisonment for a period of 3 months, or both. Given the expenses involved, it is better off to have a valid motor vehicle insurance at all times. Reliance General Insurance offers solutions in such cases, with its bike insurance enabling one to ride the bike without worrying about fines and penalties.

    Features And Benefits of Reliance Two-Wheeler Insurance

    Policy period 1 year
    Policy type Annually renewable motor insurance policy
    Policy coverage
    • Loss/theft of vehicle
    • Damage due to natural incidents
    • Damage due to fire
    • Damage while in transit
    Exclusions
    • Generic wear and tear of bike
    • Breakdowns (mechanical and electrical)
    • Damage caused due to use of vehicle for illegal purposes
    • Damage to vehicle when rider doesn’t possess a license
    • Damage which occurs when rider is intoxicated
    Renewal frequency Yearly
    Available add-ons
    • Personal accident bundle cover
      • Permanent total disability/death
      • Loss/physical separation of limbs/eyes
    • Nil depreciation cover
    No claim bonus (NCB)  
    Number of consecutive years without claim Discount
    1 20%
    2 25%
    3 35%
    4 45%
    5 50%
    No claim bonus after claim Based on year in which claim is made
    Zero Depreciation cover Can be availed as add-on
    Refund facility NA
    If plan expires The cover provided by the policy ceases to exist, with an adverse impact on the No Claim Bonus
    Network garages 159 network garages across the country

    Reasons To Choose Reliance Two Wheeler Insurance

    Purchasing a two-wheeler insurance from Reliance General not only offsets the need for insurance, but also provides a few added benefits.

    • Instantaneous – It is possible to get insurance for your 2 wheeler instantaneously, with Reliance aiming to expedite the whole process.
    • Minimal paperwork – The entire process is completed with minimal paperwork, helping one save time and effort.
    • Discounts – Purchasing a bike insurance from Reliance General Insurance can help one save as much as 40% on the premium amount.
    • Cashless network – One can get the bike fixed/repaired at over 150 cashless network garages.
    • No inspection* – It is possible to renew a lapsed insurance policy without any inspection.
    • Exhaustive cover – The two wheeler insurance from Reliance provides cover against a range of events.
    • No Claim Bonus (NCB) – The policy earns a NCB for each claim-free year.
    • Additional cover – One can opt for add-ons which provide additional protection.
    • Affordable – It is possible to avail cover for as little as Rs.3 per day.

    *Subject to certain terms and conditions.

    Bike Insurance Plans Offered By Reliance

    Reliance offers insurance plans which meet different requirements. While the Third-party Liability Plan meets the basic government regulations, the Reliance Bike Insurance Plan offers added protection.

    • Third-party Liability – This is the base plan offered by Reliance General Insurance. It provides protection in case of any damage to a third party. It is designed to protect the interests of the owner if the insured vehicle is involved with any accident with another vehicle.
    • Reliance Bike Insurance Plan – This is a comprehensive plan which can be availed at affordable prices. It is designed to provide protection to the rider/owner of the bike in case of any incident.

    Coverage Provided By Reliance Two Wheeler Insurance

    A bike insurance plan from Reliance provides protection in a number of situations.

    • Accidents – Any damage to the bike in case of an accident. If the personal accident bundle add-on is chosen, cover is provided to the rider as well. This pays an amount if the rider meets with an accident which results in death/total disability. Additionally, if there is loss of limbs or eyesight, a compensation amount will be paid.
    • Third-party cover – This provides a cover if there is damage to a third-party. This pays out a compensation if there is an injury to the third party.
    • Natural calamities – Any damage to the bike due to natural calamities like floods, lighting, cyclones, earthquakes, etc.
    • Transit – Any damage to the bike while it is in transit via road, air, rail, or elevator.
    • Riots – Any damage caused to the bike during riots/strikes.
    • Fire – If the bike suffers any damage due to fire/explosion.

    Exclusions Under Reliance Bike Insurance

    Not all instances are covered when one purchases a bike insurance policy. This is done primarily to avoid misuse of the policy, with the basic exemptions highlighted here.

    • Generic wear and tear – Wear and tear due to regular use of the bike is not covered by the policy.
    • Unintended use – Using the vehicle for a purpose other than what is mentioned. Any damage caused is such cases will not be covered. Such purposes include using the bike for commercial activities, to participate in races, perform stunts, etc.
    • Intoxicated use – Any damage which occurs when a driver who is intoxicated/under the influence of alcohol uses the bike.
    • Invalid license – No protection will be accorded if the bike meets with an accident when an individual without a valid license uses it.
    • Breakdown – Any breakdown which is a result of electrical or mechanical failure.
    • Consequential loss – Any loss which is a result of the bike being involved in an accident will not be covered.

    Eligibility To Buy The Reliance Two Wheeler Insurance Online

    Purchasing a two wheeler insurance from Reliance is simple and quick, provided that one satisfies a few basic requirements.

    • License – The individual buying the policy should be legally permitted to ride the bike, and as such the license could be asked for.
    • Registration – The bike should be registered at any Regional Transport Office (RTO). Unregistered bikes will not be given an insurance.
    • Unmodified – The bike in question should not be modified to enhance performance. It should be a standard factory vehicle. Modifications are permitted only in case of specially-abled riders.
    • Running condition – The bike should be in running condition. A fitness certificate might be required in case of old vehicles.
    • Physical inspection - A physical inspection of the bike could be required in case of lapsed policies.

    Steps To Buy The Reliance Two Wheeler Insurance Online

    Buying an insurance policy for a two-wheeler from Reliance is extremely simple, with it possible to purchase it in a matter of minutes.

    • Log onto the official website of Reliance General Insurance and navigate to the “Two-Wheeler Insurance Policy” section.
    • Provide details of the bike (registration number).
    • Provide your personal details, including the email id and mobile number.
    • An online calculator will estimate the premium amount.
    • If satisfied with the amount one can register using their login credentials. In case of new users they would have to create a new login id.
    • Provide the chassis number/engine number of the bike.
    • The policy will be active once the premium amount is paid.

    How To Make A Reliance Bike Insurance Claim?

    In case of any incident where the vehicle is damaged/rider is injured, it is imperative to initiate the claims process. This can be done by keeping a few simple steps in mind.

    • The insurer should be intimated immediately. One can contact company officials on their toll free number and provide details about the incident.
    • Alternately, one can also register a claim online. They will be expected to fill up the form on the website.
    • Information regarding the vehicle should be provided. In addition to this, personal information should be given.
    • The bike can be taken to any of the network garages.
    • The claim form should be supported by relevant documents. These include the original policy paper, a copy of the vehicle registration and driving license, the police FIR (where applicable), bills, etc.
    • Reliance General will go through the claim form and settle it based on the cover available.

    Note: The insurer will settle the bill with the garage if one opts for the cashless facility. In case one doesn’t opt for it, he/she will be expected to pay the amount, with the insurer reimbursing them for the same.

    Renew A Reliance Two Wheeler Insurance Online In Simple Steps

    A policy which has lapsed can be renewed online. The entire process is simple and efficient, with it taking a few minutes to complete all formalities.

    • Log onto the official website of Reliance General Insurance and navigate to the “Two-Wheeler Insurance Policy” section.
    • Provide details of the bike (registration number).
    • Provide your personal details, including the email id and mobile number.
    • An online calculator will estimate the premium amount.
    • If satisfied with the amount one can register using their login credentials. In case of new users they would have to create a new login id.
    • The policy will be active once the premium amount is paid.

    Why Deductible Is Important In A Reliance Two Wheeler Insurance Plan?

    Reliance General Insurance provides one an opportunity to reduce their premium amount. This can be done by choosing the voluntary deductible amount. This is the amount the individual pays in the event of a claim, with the insurer paying the remaining portion.

    The higher the voluntary deductible lower the premium.

    It is possible to save as much as 20% on the premium amount when one opts for a high deductible.

    Deductible amount Discount on premium
    Rs.500 5%
    Rs.750 10%
    Rs.1,000 15%
    Rs.1,500 20%

    Note that the percentage discount on the premium is subject to an upper limit.

    What To Do After The Expiry Of A Reliance Two Wheeler Insurance Plan?

    In case the policy expires it is imperative to renew it ASAP. One should get in touch with the insurer, see whether the No Claim Bonus can be carried forward and pay the premium amount to renew the policy. Delays in renewing the policy could result in increased premiums and forfeiture of the NCB.

    Reliance Two Wheeler Insurance Customer Care Service

    Individuals who wish to connect with company representatives can do so by calling them on their toll free number – 1800 3009.

    Reliance two-wheeler insurance Frequently Asked Questions:

    1. What is consequential loss?

      a.Consequential loss is any loss which an individual is exposed to on account of an incident with the insured vehicle. For example, a person could miss an important meeting as a result of an accident, with the meeting resulting in a financial loss to him/her. The insurance policy will cover the cost related to the accident, but will not reimburse any consequential loss.

    2. Is it advisable to make a claim if the insured vehicle is involved in a minor accident?

      a.If the accident is minor, involving minimal expenditure to fix the vehicle, it is not advisable to file a claim. This is primarily on account of the NCB. Making a claim will reduce the NCB, resulting in increased premiums in the future. This could be more than the actual cost of fixing the bike.

    3. I am moving to a different city. Will this have an impact on my bike insurance?

      a.Moving to a different city will not dilute the cover accorded by the policy. One would have to intimate Reliance General Insurance, updating their current address. Additionally, the premium rate could vary, depending on the city one is moving to. Metro cities have a higher premium rate compared to other cities.

    4. Does the make and model of a bike impact the premium amount?

      a.Yes, the make and model of a bike are taken into account while computing the premium amount. Bikes with a higher engine capacity (superbikes, tourers, etc.) will attract a higher premium compared to others.

    5. What is the cover provided by the Personal Accident Bundle Cover?

      a. The Personal Accident Bundle Cover provides a cover of Rs.5 lakh. This can be availed in case of an accident which results in death/permanent total disability. The cover will be paid if there is a loss of eyesight/loss of limbs as well.

    Two Wheeler Insurance Reviews

    • Reliance General Two Wheeler Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      Taken a insurance policy for my two wheeler with RELIANCE GENERAL INSURANCE. IDV which is given by RELIANCE GENERAL INSURANCE is really good. The premium which I have paid towards my car insurance for RELIANCE GENERAL INSURANCE is good. I chosen a comprehensive insurance with RELIANCE GENERAL INSURANCE.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Reliance General Two Wheeler Insurance
      "Average"
      0.5 5.0/5 "Blown Away!"
      Have taken a two wheeler insurance policy with the RELIANCE GENERAL INSURANCE. The policy premium is low compared to all other insurances. Also I have taken a comprehensive insurance with RELIANCE GENERAL INSURANCE. The customer service and response is good with RELIANCE GENERAL INSURANCE.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Reliance General Two Wheeler Insurance
      "Better"
      0.5 5.0/5 "Blown Away!"
      Two wheeler insurance with Reliance general insurance is great. At the time of getting my insurance policy unfortunately my net got dropped. I immediately got a call from the customer service department and they helped me in the insurance done. The customer service is best with Reliance general insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 22, 2018
    • Reliance General Two Wheeler Insurance
      "A good product"
      0.5 4.0/5 "Great!"
      I had applied and got the two wheeler insurance from the RELIANCE GENERAL INSURANCE. I can choose the on line payment type to renew the two wheeler insurance policy. The customer service is good and well responsive. I had an experience that they instructed me to send a mail to send the Hard copy policy document. I replied to their mail and they sent to my registered communication address.
      Was this review helpful? 0
      , silvassa
      Reviewed on Feb 17, 2018
    • Reliance General Two Wheeler Insurance
      "A good product"
      0.5 5.0/5 "Blown Away!"
      I had applied and got the two wheeler insurance from the insurer RELIANCE GENERAL INSURANCE. I didn't have any claim experience so cant able to comment. I will get sms alerts to renew my two wheeler insurance policy with in due time. The customer service is good and so responsive. I can prefer on line payments to renew the policy.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Feb 16, 2018
    • Reliance General Two Wheeler Insurance
      "An affordable policy"
      0.5 5.0/5 "Blown Away!"
      I had applied and got the two wheeler insurance policy from RELIANCE GENERAL INSURANCE through a on line partner. Its a good policy. The customer service is good and responsive. I didn't apply any claim so i cant able to comment on it. Mostly all benefits are covered under one policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Reliance General Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Long term back I took two wheeler insurance from Reliance, the premium was good and they gave me better coverage. The customer service was also good they activated the policy and sent me the hard copy on time. Reliance gave me accidental coverage for my Apacha bike, currently my two wheeler insurance got expired yet to renew.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 05, 2018
    • Reliance General Two Wheeler Insurance
      "Good Cover for Bike"
      0.5 5.0/5 "Blown Away!"
      Reliance is providing all the coverage for my TVS Wego bike. I paid the premium around Rs.1490 for the IDV value around Rs. 42,000. The vehicle was Rs. 58,000, Reliance has a good brand value with better features like road side assistance, no claim bonus etc.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 02, 2018
    • Reliance General Two Wheeler Insurance
      "Good Protection"
      0.5 4.0/5 "Great!"
      I didn't compare the two wheeler insurance benefits, but they are providing third party, accidental cover for my vehicle. Its covers full of metal body and engine of my bike. I made the premium around Rs. 1400 , they gave me good IDV value for Yamaha vehicle.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 02, 2018
    • Reliance General Two Wheeler Insurance
      "It's good"
      0.5 5.0/5 "Blown Away!"
      I have taken a two wheeler insurance from reliance.I am happy with the policy as the policy coverage and plan benefits they are providing is good. My final premium amount is around Rs. 1,103 and Idv is Rs. 35,693. I would definitely recommend this policy to others.
      Was this review helpful? 0
      , patna
      Reviewed on Jan 23, 2018
    • Reliance General Two Wheeler Insurance
      "Costly premium"
      0.5 3.0/5 "Satisfactory"
      I have taken a two wheeler insurance previously from Reliance insurance. They provided a good policy coverage but they were very costly in the premium. That's the reason I did not go ahead with them this time. The features and benefits are good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • Reliance General Two Wheeler Insurance
      "Can be more convenient"
      0.5 4.0/5 "Great!"
      I previously used the services of Reliance. The process was not very convenient as I had to go over to the office and make my payments and it was a kind of hassle to get the policy as it was not online. Else the process is good and also the coverage too. It is for a two wheeler insurance.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Jan 17, 2018
    • Reliance General Two Wheeler Insurance
      "Overall good experience"
      0.5 4.0/5 "Great!"
      The reason I considered taking my two wheeler insurance from Reliance is because they provided a better IDV and the next reason is the premium rate was pretty competitive. The customer services are good, but I am yet to receive the hard copy.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 15, 2018
    • Reliance General Two Wheeler Insurance
      "Customer should be improved and proactive "
      0.5 4.0/5 "Great!"
      I have taken a two wheeler package policy plan from Reliance. There is a third party coverage and there is also a no claim percentage of 55%. The benefits and features are good. Since my earlier insurance provider did not mention the NCB properly, I was asked to pay Rs. 15 more. But after reliance raised this case I did not get a confirmation through an email or call, to pay the Rs.15 or not . They need to work on the services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 15, 2018
    • Reliance General Two Wheeler Insurance
      "Value for Money"
      0.5 4.5/5 "Excellent!"
      When I went to the online channel, I have compared different insurance companies. I found Reliance is more suitable in term of premium and IDV is best. My premium amount was around Rs. 1300, they gave me IDV value around Rs.25000 for my Honda Cb shine bike.
      Was this review helpful? 0
      ,
      Reviewed on Jan 15, 2018
    • Reliance General Two Wheeler Insurance
      "Good Protection"
      0.5 4.0/5 "Great!"
      Reliance have more number of garages, even the premium cost is low for two wheeler insurance . I paid the amount around Rs. 1700. They are providing road side assistance, third party cover with the IDV around Rs.67,000 for Bajaj Pulsar bike. I took two wheeler package policy. It would be great if the tenure is more than 2 to 3 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 15, 2018
    • Reliance General Two Wheeler Insurance
      "Good services"
      0.5 4.0/5 "Great!"
      It was a very easy process to buy my two wheeler insurance from Reliance. They were very flexible and convenient in the services. I did not have a lot of formalities to renew my policy though my policy had expired. I have received the soft copy of the policy. The premium is okay for me, it is for a YAMAHA FAZER FI V 2.0 149 CC.
      Was this review helpful? 0
      , dindigul
      Reviewed on Jan 13, 2018
    • Reliance General Two Wheeler Insurance
      "Good services"
      0.5 4.0/5 "Great!"
      It was a very easy process to buy my two wheeler insurance from Reliance. They were very flexible and convenient in the services. I did not have a lot of formalities to renew my policy though my policy was expired. I have received the soft copy of the policy. The premium is okay for me, it was for a YAMAHA FAZER FI V 2.0 149 CC.
      Was this review helpful? 0
      , dindigul
      Reviewed on Jan 13, 2018
    • Reliance General Two Wheeler Insurance
      "Good services"
      0.5 4.0/5 "Great!"
      It was a very easy process to buy my two wheeler insurance from Reliance. They were very flexible and convenient in the services. I did not have a lot of formalities to renew my policy though my policy had expired. I have received the soft copy of the policy. The premium is okay for me, it is for a YAMAHA FAZER FI V 2.0 149 CC.
      Was this review helpful? 0
      , dindigul
      Reviewed on Jan 13, 2018
    • Reliance General Two Wheeler Insurance
      "Good overall"
      0.5 3.0/5 "Satisfactory"
      I have taken my two wheeler insurance from Reliance this year. The services are good. The good factor is that they offered a better IDV. Any customer would surely look for the best IDV. There was a small issue as I received a letter that NCB entered of the earlier policy was mismatching so I had to pay 96rs extra.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 13, 2018
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