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  • What's not included?
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Two Wheeler Insurance Online For Royal Enfield

Undoubtedly, the experience of riding a Royal Enfield Bike is no less than a legacy. Living up to the brand name, riding a Royal Enfield is indeed a unique experience. Not meant for speeding, the brand rather focuses on riding across toughest paths and rendering comfort to both the rider as well as the pillion. Standing by the values of being a classic, time tested and heritage, Royal Enfield bikes are meant for the extra ordinary riders who wish to ride the oldest surviving motorcycle manufacturers in the world.

With time the brand has witness steep growth in the demand curve by launching new models and variants. The last launched Royal Enfield Himalaya has touched million souls with its promising features, making it a best buy for the Himalayan Riders.

Models offered by Royal Enfield

Variant name
Royal Enfield Bullet 350 / 500
Royal Enfield Classic / 350 /Gunmetal
Royal Enfield Classic
Royal Enfield Himalayan
Royal Enfield Thunderbird 350
Royal Enfield Classic Desert Storm
Royal Enfield Classic Squadron Blue
Royal Enfield Classic Stealth Black
Royal Enfield Classic Chrome
Royal Enfield Thunderbird 500

Reasons to buy Royal Enfield Two Wheeler Comprehensive Insurance

Unbelievable discounts up to 70%
Yes! It is hard to believe! But, we love doing the unbelievable, and that is why it is trusted by Two Wheeler owners out there! Buy your Two Wheeler insurance policy Now!
No Limits on Claims
You can make unlimited claims with our Two Wheeler Comprehensive Insurance! Isn't that amazing? Now, conquer the roads and ride safely. We truly believe in utmost transparency!
Get The Coverage You Need!
We offer you a wide range of two-wheeler insurance policies, single year & long-term comprehensive insurance, single year and long-term liability only policy.
Go Paperless! Go Boundless!
Why go through the fuss of lengthy, time-consuming procedures when we give you all you need in a flash? Get your two-wheeler covered now.

What’s included?


Accidents are unfortunate. However, if it has taken place, we get you covered. At our vast network of cashless garages we ensure cashless repairs

Fire & Explosion
Fire & Explosion

If fire, explosion, lightening or self-ignition damage your two wheeler. Stay calm. We Can Handle This!


If your bike gets stolen it is nothing less than a nightmare. Quit the stress and leave it to us, as we cover total loss of your two wheeler due to theft.


Both manmade and natural calamities leave a lasting impact, we cover you if your two wheeler gets damaged due to earthquake, landslide, floods, riots, terrorism etc.

Third Party Liability
Third Party Liability

In the event of an accident we cover legal liability for injury, death and/or property damage caused to a third party.

Third Party Liability

We consider customers as our top priority and hence offers a compulsory personal accident cover for 15 lakhs.Know More...

What’s not included ?



We do not cover depreciation in the value of the two wheeler.


Electrical & Mechanical Breakdown

Any electrical or mechanical breakdowns remain uncovered under our two wheeler insurance policy.


Illegal Driving

Your two wheeler insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol remains out of two-wheeler insurance coverage scope.


Zero Depreciation Cover

Get the Entire Amount With Zero Depreciation Cover!

Usually, insurance policies cover claim amount after the deduction of the depreciation. But, with a zero-depreciation cover, no deductions are made, and you get the entire amount in your hands! The battery costs and tyres do not come under zero depreciation cover though .

How does it Work?: If you car is damaged and the claim amount is Rs 15,000, out of which insurance company says that you may have to pay 7000 as depreciation amount excluding policy excess/deductible. If you buy this add on cover then, the insurance company will pay the entire assessed amount. However, policy excess/deductible needs to be paid by the customer, which is quite nominal.

Emergency Assistance Cover

We’ve got you covered!

We are here to offer you round-the-clock assistance to deal with emergency breakdown issues. The emergency assistance cover includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!

How does it work?:Under this add on cover there are multiple benefits which can be availed by you. For instance, If you are driving your vehicle and there is damage, it needs to be towed to a garage. With this add on cover, you may call the insurer and they will get your vehicle towed to the nearest possible garage upto 100 kms from your declared registered address.

Renewal Process


Renewing your bike insurance is quick, easy, and convenient. Click here and enter your policy number. Move to the next page to check the details of the new policy. Make an online payment and complete this hassle-free process.

Buying a Royal Enfield bike insurance plan from HDFC ERGO is quick, simple, and smooth. So, get the best for your esteemed bike and enjoy all the added benefits as you shelter it with HDFC ERGO

Claims Process


Many of you might see the Insurance Claim Journey to be complicated and stressful! We have busted the myth by making the claim process swift, smooth and simple. Initiate your claim journey by registering your claim via the below mentioned modes. Click Here for more details about the claim process.

  • HDFC ERGO Mobile Application
  • Call Center - 022 6234 6234

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Frequently asked questions

Two wheeler insurance is an insurance policy for Royal Enfield bikes required to provide protection to your two wheeler against any damage which might result into a financial loss. In addition to it, any third party liability which has arisen due to the use of your Royal Enfield is covered under two wheeler insurance. As per the Motor Vehicle Act, it is mandatory to buy a Liability only policy without which one cannot use the vehicle on road.

A comprehensive insurance policy provides protection to your Royal Enfield due to any damage from fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage.

There two types of insurance policies available for Royal Enfield  bikes – comprehensive and third party liability. Comprehensive insurance ensures complete protection to your  two wheeler due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage. However, third party liability, which is the mandatory cover protects your vehicle against third party liability against person and property.

There are various long term policies of Royal Enfield bikes are available as below: - For brand new two-wheeler – As per Supreme Court directive, customer can choose from the mentioned options:
  1. i. Liability only policy for a policy duration of 5 years. This policy provides coverage against third party liability in terms of death or injury or third party property damage
  2. ii.Package policy for a policy duration of 5 years. This policy provides a comprehensive cover to protect your vehicle due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage.
  3. iii. Bundled policy for a policy duration of 5 years. This policy provides cover to own damage for one year and 5 years for third party section.

    For more than one year old two wheeler – you can choose from the mentioned options: i. Package/Liability policy for upto 2 or 3 years policy duration 

Yes, third party liability is a mandatory policy for insuring your Royal Enfield bike, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured, with a Liability Only policy at the very least.
Zero depreciation is an add-on cover and has to be purchased by paying additional premium for insuring your Royal Enfield bike . It offers complete coverage to your two wheeler without factoring into depreciation. For instance, if your vehicle is badly damaged, then you don’t need to pay for any depreciation charge and will be eligible for full claim amount subject to terms and conditions of the policy. Applicable for 1 year policy.
Emergency assistance is an add-on cover and has to be purchased by paying additional premium for insuring Royal Enfield bike. It has multiple benefits like breakdown assistance, tyre replacement, towing, fuel replacement etc which can be availed during the policy duration. Customers need to call up the customer care number mentioned on the policy for availing these benefits. Applicable for 1 year policy.
You can easily renew your expired policy of Royal Enfield online. No inspection is required and you may simply buy the policy online. Once the payment is made, you will receive the policy copy.
No Claim Bonus is valid upto 90 days from the previous Royal Enfield policy expiry date. If the policy is not renewed within 90 days, No Claim Bonus will become 0% and no benefit shall be passed on to the renewed policy.
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