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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
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      This is a comprehensive policy. Continuous 2 years i have been using the two wheeler insurance policy with Reliance. I don;t have about the policy coverage. I don't remember about the policy premium amount. There is a cashless garages is available. This policy was given to me from bike dealer.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 20, 2018
    • Reliance General Two Wheeler Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      I have purchased my two wheeler policy with the RELIANCE GENERAL INSURANCE through online process where it is a paperless approval. They provided me a coverage of 3rd party includes also the premium provided for this insurance policy is nominal.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 18, 2018
    • Reliance General Two Wheeler Insurance
      "Need to improve the premium amount of the policy"
      0.5 4.0/5 "Great!"
      The service is better in reliance. I did not visit the reliance branch so far, They used to send a reminder before lapsing the policy. They used to send a soft copy immediately after i made the payment. After 1 week, they used to send a hard copy by courier. I have taken this policy for continuously 5 years. They are providing the IDV value of 55000. I'm paying the premium amount of Rs. 1100 for two years. Nowadays, they are providing 3 years policy also with a lowest premium amount.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 17, 2018
    • Reliance General Two Wheeler Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      I have not claimed anything with reliance. This is the first party insurance. The premium amount was when i compared with other companies. I don't remember about the IDV value whatever they have provided. I am yet to contact the customer care of Reliance till date.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2018
    • Reliance General Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have purchased two wheeler policy from the RELIANCE GENERAL INSURANCE online where the process is very good and simple also i have submitted the documents through online. They have provided me a policy coverage of 3rd party. I had no claim experience with this policy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 14, 2018
    • Reliance General Two Wheeler Insurance
      "BEST"
      0.5 5.0/5 "Blown Away!"
      I am holding my two wheeler policy from RELIANCE GENERAL INSURANCE where the documents were submitted through online for this two wheeler policy. They have provided me with a lower premium in this policy but the policy coverage is included for the 3rd party also there is a good customer service.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 13, 2018
    • Reliance General Two Wheeler Insurance
      "Need to reduce the premium amount"
      0.5 4.0/5 "Great!"
      I have not claimed anything in reliance two wheeler insurance. I have taken the policy when i purchased my two wheeler. My dealer recommended me to take the policy with Reliance. I had pay the premium amount of Rs. 1700. They have provided me a IDV value of Rs. 55000 and it is a third party insurance. The premium is higher when i compared with other companies.
      Was this review helpful? 0
      , badlapur
      Reviewed on Aug 11, 2018
    • Reliance General Two Wheeler Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have compared the two wheeler policy from one to the others it is better when comparing with the others so i have taken it. I had no claim so far but also the documentation process is easy and simple which is done through the online. Policy coverage is for the basic.
      Was this review helpful? 0
      , delhi
      Reviewed on Aug 09, 2018
    • Reliance General Two Wheeler Insurance
      "BEST"
      0.5 5.0/5 "Blown Away!"
      It is excellent policy that i am holding it with the RELIANCE GENERAL INSURANCE. I am using it since last 3 years and purchased through the online. Documentation done on time also the policy coverage is for the 3rd party included. Premium and IDV is nominal.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 09, 2018
    • Reliance General Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have purchased the policy around six months before. I have not called the customer care hence i cannot comment on that. I have never used the policy since i have not done the claim. I have paid the premium amount of Rs. 1100. I'm not much sure about the policy details.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 06, 2018
    • Reliance General Two Wheeler Insurance
      "Normal insurance policy"
      0.5 3.0/5 "Satisfactory"
      I did not call the customer care service so far. I have not claimed the policy so far. They are providing only the accidental cover for my bike apart from that nothing is there. I'm paying the premium amount of Rs. 2800 for my bike insurance. I have taken this policy 6 months before. They are giving the claim amount of Rs. 83000. They should give some additional benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 01, 2018
    • Reliance General Two Wheeler Insurance
      "Normal insurance policy"
      0.5 3.0/5 "Satisfactory"
      I did not call the customer care service so far. I have not claimed the policy so far. They are providing only the accidental cover for my bike apart from that nothing is there. I'm paying the premium amount of Rs. 2800 for my bike insurance. I have taken this policy 6 months before. They are giving the claim amount of Rs. 83000. They should give some additional benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 01, 2018
    • Reliance General Two Wheeler Insurance
      "Benefits are good"
      0.5 4.0/5 "Great!"
      The previous year I had my two wheeler insurance with Reliance General insurance. The customer support is good and there are no hassles in the process. It was a online process and the policy document was sent on time. The coverage and the benefits were also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 26, 2018
    • Reliance General Two Wheeler Insurance
      "Good "
      0.5 3.0/5 "Satisfactory"
      Reliance was overall good for the two wheeler insurance. The services and response was okay and I received the policy documents on time. The policy coverage and the plan benefits are fine too. There are no hassles to buy the policy online. Overall satisfactory.
      Was this review helpful? 0
      , guntur
      Reviewed on Jul 25, 2018
    • Reliance General Two Wheeler Insurance
      "Satisfactory overall."
      0.5 5.0/5 "Blown Away!"
      I have taken my two wheeler insurance with Reliance. The customer services and response is good. The policy coverage is good and the whole quotation looked good for me while taking the insurance. The plan benefits are good. I am also okay with the premium cost too.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 25, 2018
    • Reliance General Two Wheeler Insurance
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Reliance General Insurance had a better premium for the two wheeler policy, so I went ahead with them this year. The customer support is good and there are no issues in the process. The policy coverage and the plan benefits are satisfactory too.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 23, 2018
    • Reliance General Two Wheeler Insurance
      "Satisfactory overall."
      0.5 4.0/5 "Great!"
      Reliance is overall good in the customer services. I have taken my two wheeler insurance from them. The process is good to buy the insurance online. The policy coverage is also fine and the plan benefits and the policy coverage is also good. The premium is also normal.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 23, 2018
    • Reliance General Two Wheeler Insurance
      "Nice process and service"
      0.5 4.0/5 "Great!"
      I chose Reliance because they had a better policy coverage and plan benefits when compared to the other insurers. The premium was also nominal for me. I have renewed my two wheeler policy this year and it has been a easy and smooth process. I also received my policy document on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 19, 2018
    • Reliance General Two Wheeler Insurance
      "GOOD NOT THE BEST"
      0.5 3.0/5 "Satisfactory"
      From the BAJAJ insurance i have taken for my two wheeler, i have taken it few months before. I am satisfied with the premium that i have paid for my two wheeler insurance it is lower. I have purchased this through the on line with easy and simple and which is paperless approval.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Jul 19, 2018
    • Reliance General Two Wheeler Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      This year I have taken my two wheeler insurance with Reliance. The customer support is good and there are no hassles in the process. The policy documents was sent to me on time and the policy coverage and benefits are good. The premium cost is normal too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 19, 2018
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