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Customer RatingsRoyal Enfield Two Wheeler Insurance
Royal Enfield two wheeler insurance protects your bike from unexpected damages caused by accidents, natural calamities, or man-made incidents. Royal Enfield motorcycles, first introduced in 1901, are premium bikes that deserve the right protection. Buying Royal Enfield bike insurance online ensures peace of mind and saves you from heavy repair costs. You can also enhance your coverage with add-ons like Roadside Assistance, Engine Protection, and Zero Depreciation.
Royal Enfield has a rich history in India. In 1949, Madras Motors began importing Royal Enfield bikes, and by 1955, Enfield India was formed. Later, in 1994, the Eicher Group took over and renamed it Royal Enfield Motors Limited. Today, popular models like Classic 350, Himalayan 450, and Continental GT continue to rule the roads. Protect your Royal Enfield with the right insurance plan and ride worry-free.
Popular Royal Enfield Bike Models
Types of Royal Enfield Two Wheeler Insurance HDFC ERGO Offers
Owning a Royal Enfield motorcycle is a matter of pride. But it is not just enough to buy it, you also need to protect it with the right bike insurance policy. Bikers love to take their bikes for long rides, but with potholes, blind spots and reckless drivers on the roads, the risk of accidents and thefts is always there. You must have a Royal Enfield bike insurance policy not just because the law mandates it, but to protect yourself financially in case of an unfortunate event. HDFC ERGO provides a variety of bike insurance plans that will suit your needs. From a basic third party bike insurance to a multi year bike insurance package, you can evaluate what seamlessly fits your budget and coverage needs.
This is the most recommended option as it includes third-party liability, a personal accident cover, and crucially – own damage cover. It provides all-round financial protection to you, your bike, and to your liabilities in case you are at fault in an accident. You can also further enhance your coverage with select add-ons.
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Accident, theft, fire etc.
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
This is the type of insurance that is mandatory under the Motor Vehicles Act, 1988. It covers you financially against any losses arising out of injury, death, or disablement to a third-party person, or damage to their property. It also covers against any legal liabilities you may face as a result of the accident.
Personal accident cover
Third-party property damage
Injury to a third-party person
This standalone own damage policy is ideal for those who already possess a third-party liability insurance policy and want to increase the scope of coverage. It covers you against losses arising out of damage to your own vehicle as a result of an accident. Furthermore, you unlock the choice of add-ons to enhance your coverage.
Accident, theft, fire etc
Natural calamities
Choice of add-ons
A plan that’s designed to add convenience and all-round protection to your bike ownership experience, the multi-year Royal Enfield bike insurance package includes a five-year third-party liability component and an annually renewable own damage insurance component. Even if you forget to renew your own damage component on time, you will still be financially covered.
Accident, theft, fire etc
Natural calamities
Personal accident
Third-party liability
Choice of add-ons
Inclusion & Exclusions of Royal Enfield Two Wheeler insurance
Your Royal Enfield bike insurance policy offers coverage depending on your policy type. While a third-party liability insurance only provides coverage against damage to a third-party person or property, a comprehensive bike insurance policy covers the following:
Accidents
Financial losses arising due to damage to your own bike as a result of an accident is covered.
Fire & Explosion
Damage to your bike as a result of fires or explosions is covered.
Theft
If your bike gets stolen, you will get compensated with the IDV of the bike.
Calamities
Natural and manmade calamities such as earthquakes, storms, floods, riots, and vandalism are covered.
Personal Accident
Your treatment-related charges are all taken care of up to Rs. 15 lakhs.
Third Party Liability
Injury, disablement or death to a third-party person, and damage to their property are also covered.
Reading the policy document carefully will reveal its scope of coverage and the potential gaps. No policy covers ‘everything’. These are the general exclusions in your Royal Enfield bike insurance policy:
Depreciation
Your Royal Enfield bike insurance policy does not cover for depreciation, unless you’ve opted for a Zero Depreciation add-on cover.
Wear and tear
Just like depreciation, natural wear and tear of components are not covered under a policy even if it leads to a malfunction.
Electrical & Mechanical Breakdown
Electrical or mechanical breakdowns are not covered under your policy, unless you opt for specific add-ons.
Illegal Driving
Indulging in any behaviour that violates the law voids your insurance claim. It includes jumping the traffic light, driving without a license, or driving under the influence of alcohol or drugs.
How to Renew Royal Enfield Two Wheeler Insurance?
Your Royal Enfield bike insurance renewal will take only a few minutes. It can be completed with just a few clicks from the comfort of your own home. Follow the four-step process mentioned below and get yourself covered instantly!
Step #1Visit HDFC ERGO website and choose to buy or renew your policy
Step #2Enter your bike details, registration, city, and previous policy details, if any
Step #3Provide your email ID, and phone number, to receive the quote
Step #4Make the online payment and get covered instantly!
Why HDFC ERGO Should be Your First Choice?
To ply on Indian roads, every bike needs to be compulsorily secured with a bike insurance policy. Apart from the mandatory requirement, bike insurance is a protective shield for your bike against any damages/losses that may arise due to accident, theft or natural calamities. And just as having bike insurance is crucial, choosing the right insurer is equally important. So, here’s why HDFC ERGO should be your first choice for your Royal Enfield bike insurance policy:
extensive service
You need an insurer that has a substantial presence across the region you are in or country. And with over 2000+ cashless garages across India, HDFC ERGO ensures that help is always at hand.
24x7 roadside assistance
The 24x7 roadside assistance facility ensures you are never stranded helplessly in case of any breakdown.
Over one crore customers
HDFC ERGO has over 1.6 crore happy customers, which means you can rest assured that your needs will be taken care of.
Overnight services
Your routine can get disrupted when your car is in service. However, with our overnight service for minor accidental repairs, simply catch up on your night’s sleep and have the car delivered to your doorstep in time for your morning commute.
Easy claims
The ideal insurer should process claims quickly and smoothly. And HDFC ERGO does exactly that, as we process nearly 50%% of claims on the first day, ensuring your worries are minimised.
Two Wheeler Insurance for Popular Indian Models
Two Wheeler Insurance for Popular Indian Models
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Frequently Asked Questions
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