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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 service for everyone"
      0.5 5.0/5 "Blown Away!"
      Through Internet, i have purchased the two wheeler insurance policy with Reliance. Because of the lower premium and 3 years tenure period policy, i have chosen this company. I pay the premium amount which is cheaper than other providers. Their customer care service is fine.
      Was this review helpful? 0
      , u.t of dadra & nagar haveli
      Reviewed on Oct 15, 2018
    • Reliance General Two Wheeler Insurance
      "Quick and good service"
      0.5 3.0/5 "Satisfactory"
      Four times I had Reliance two wheeler policy, however they gave me lower coverage for 10 year old bike. That is the reason I didn't go for renewal then I found better insurer which gives me good coverage. But reliance service is good I got my old policy copy on time.
      Was this review helpful? 0
      , goregaon
      Reviewed on Oct 05, 2018
    • Reliance General Two Wheeler Insurance
      "Good one"
      0.5 4.0/5 "Great!"
      The premium amount was high in reliance. I was using the reliance policy for past 2 years for different vehicle. I pay the premium amount of Rs. 1900 and they have given me IDV value of 90% and they have offered me a IDV value of Rs. 67000. Overall, I'm satisfied with the insurance policy. I'm not sure about the plan.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 03, 2018
    • Reliance General Two Wheeler Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I had a claim experience once and it was good. Because of the high premium i have not continued with this company. In 2016, i have taken this policy. Within a week i have got my claim and they have offered me a claim amount of Rs. 4000. I have got a claim upto 60%. I paid the premium amount of Rs. 2000.
      Was this review helpful? 0
      , anantapur
      Reviewed on Oct 03, 2018
    • Reliance General Two Wheeler Insurance
      "Looking for better premium"
      0.5 3.0/5 "Satisfactory"
      Earlier I had Reliance General two wheeler insurance, they gave me good coverage value on my bike. Their insurance process is also good and quick, but only concern about the premium it is higher than other insurance provider, I suggest them to give good offer.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 03, 2018
    • Reliance General Two Wheeler Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      I done accidental claim with Reliance general on my two wheeler policy. The entire wok completed with three to four days of time. I am happy about their on time service, they completely changed the major parts of vehicle which got damaged. But I feel premium is higher than HDFC Ergo it would be great if they are competitive.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 03, 2018
    • Reliance General Two Wheeler Insurance
      "Very Good Policy"
      0.5 5.0/5 "Blown Away!"
      Actually when i purchase my bike, i got automatically this policy through the vendor. I was not know about the policy details since its provided by the company. The claim experience was good and my bike was damaged and they have given 80% of the claim amount and i have paid 20% from my pocket. I have submitted all the documents after that i have got the claim in 15 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 02, 2018
    • Reliance General Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      Earlier my father took two wheeler insurance with Reliance General, then I compared the benefits and transfered the policy to Bajaj Alliance. My old premium was also feasible., they gave best IDV value with best coverage for my honda bike.
      Was this review helpful? 0
      , jammu
      Reviewed on Oct 01, 2018
    • Reliance General Two Wheeler Insurance
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      Reliance two wheeler insurance premium was higher when compared with other insurance company in the market. However last time they gave same IDV value for my bike with average benefits. I would like to suggest them to reduce the premium as competitive same as the market.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 01, 2018
    • Reliance General Two Wheeler Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have previously used the two wheeler policy with Reliance General Insurance for 1 year where i have experienced with no claim. Premium and the IDV value were nominal comparatively and i have purchased the policy through showroom they offered the basic coverage for this policy.
      Was this review helpful? 0
      , thane
      Reviewed on Sep 29, 2018
    • Reliance General Two Wheeler Insurance
      "BEST POLICY"
      0.5 5.0/5 "Blown Away!"
      The reason for purchasing the two wheeler policy with Reliance General Insurance is because of lower premium with the good IDV value when compared to the other policies. I had no claim experience with this policy. They have offered the policy coverage for basic.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 29, 2018
    • Reliance General Two Wheeler Insurance
      "Easy procedure"
      0.5 4.0/5 "Great!"
      I never dialed up their customer car service. For the sake of two wheeler insurance is must, i have chosen this policy. Because of the online transaction, i have taken this policy. I made a payment of Rs. 1400 nearly. I have no idea about the IDV value. The documentation process was easy since it was online process.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 27, 2018
    • Reliance General Two Wheeler Insurance
      "Simple policy"
      0.5 4.0/5 "Great!"
      When i bought the vehicle, the dealer has recommended the two wheeler insurance policy with Reliance. This year i have paid a premium amount of Rs. 950. For the past 6 years i have been renewing the policy with the same company. I have called the customer care service in reliance and the response was good. I have contacted them to know about the payment mode.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 27, 2018
    • Reliance General Two Wheeler Insurance
      "Overall Good service"
      0.5 3.0/5 "Satisfactory"
      The premium was quite high and there is no proper customer care service provided to me. I haven't claimed anything. The documentation process was good. I had pay the premium of Rs. 1900. I had purchased this policy last year. It is a first party covered insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 21, 2018
    • Reliance General Two Wheeler Insurance
      "Average policy"
      0.5 5.0/5 "Blown Away!"
      The premium which i have to pay for my two Wheeler insurance is 1500 for 1 years. The policy has been taken from Reliance Company They provide 50 % coverage and accidental coverage. I have no claim for my two wheeler. Overall, Its a good policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 20, 2018
    • Reliance General Two Wheeler Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      There is no particular reason for taking the two wheeler policy with Reliance General Insurance but the premium is higher and the IDV value is lower when compared to the others. I have used for 1 year with no claim experience added on that the coverage is for basic one.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2018
    • Reliance General Two Wheeler Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      I have bought this reliance two wheeler insurance policy 1 year ago. They are providing the IDV value of 85%. I have made a payment of Rs. 1200 approximately. The reliance branch is next to office because of the easy accessibility i have chosen this company. I have not read the policy details properly.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2018
    • Reliance General Two Wheeler Insurance
      "Yet to experience the claim"
      0.5 4.0/5 "Great!"
      I bought the two wheeler insurance for continuous 3 years. They have given a very good value of the money. They have offered me a IDV value of Rs. 40000. The benefit which i found is there is no premium has been increased for the third party. I have taken 3 years combo policy hence i made a premium amount of Rs. 2800.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 09, 2018
    • Reliance General Two Wheeler Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      I have taken two wheeler insurance policy in the month of November. I have made a premium amount of Rs. 1550. I have never claimed anything by using this policy. I directly visit the branch and taken my two wheeler insurance policy. The branch is near to my place hence i have to taken policy with reliance. They are giving the services 8 am to 8 pm. It is easy to take the policy from them.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Aug 31, 2018
    • Reliance General Two Wheeler Insurance
      "Worst company"
      0.5 5.0/5 "Blown Away!"
      I was not happy about the reliance two wheeler insurance. Only thing i changed my policy because of the high premium amount. I have no experience about the claim. I have paid Rs. 2800 as premium amount for 1 year. When i reach the customer care, they told me that they will call back
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 29, 2018
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