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4.4
Customer RatingsBuy/Renew Royal Enfield Classic Insurance Online
Royal Enfield has been the leader in lifestyle biking in India for decades now. It has become the gold standard for biking in the country, especially when it comes to cruising, touring and adventure biking. After all, cities like Manali and Leh have seen more Royal Enfield bikes than any other two-wheelers registered in their states as well as from out of their states. Even though it started its journey in the United Kingdom, the company has since moved lock, stock and barrel to India and has become the quintessential Indian motorcycle. Of the entire line-up, Royal Enfield Classic has been the most loved and fastest moving vehicle from the company.
Popular Royal Enfield Classic Variants
Types of Royal Enfield Classic Insurance HDFC ERGO Offers
HDFC ERGO bike insurance is the best choice for current owners as well as new buyers of Royal Enfield Classic motorcycles. With this bike, you have the freedom to go anywhere and at any time. While these bikes are extremely reliable, they also need proper protection. This is where HDFC ERGO steps in to make your life easy. With us, you can get third party bike insurance cover for single year or for multiple years. Or go for own damage bike insurance cover if you are still under the new bike third party policy protection. For anyone looking for a one stop solution, we offer single year and multiyear comprehensive insurance plans which can be further enhanced with multiple add-ons.
If you want all-round protection against damages to your own bike as well as that of third-party person or property, then this is the ideal package for you. You can opt to stay covered for one, two or three years. However, if you want to avoid the renewal hassle every year, we recommend you to secure your Royal Enfield Active for three years. Another added benefit of this policy is that you can customise your Royal Enfield Active bike insurance with add-ons for enhanced coverage.
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Accident, theft, fire etc.
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
This is a basic type of insurance that provides you financial protection against any liabilities arising due to damage, injury, disablement or loss caused to a third-party person or property. This is a mandatory requirement to drive on Indian roads and if you are caught without a valid Royal Enfield Classic third-party insurance, be ready to pay a fine of Rs 2000.
Personal accident cover
Third-party property damage
Injury to a third-party person
Any damage to your own vehicle due to accident, theft or calamities – natural or manmade, will be covered under this policy. If you already have Royal Enfield Active third-party liability insurance, this cover will give you added protection.
Accident, theft, fire etc
Natural calamities
Choice of add-ons
If you have purchased a brand-new bike, this cover will offer one year’s protection against loss to your own vehicle and 5 year’s protection against damage to a third-party person or property.
Accident, theft, fire etc
Natural calamities
Personal accident
Third-party liability
Choice of add-ons
Inclusion & Exclusions of Royal Enfield Classic Insurance
The coverage depends on the policy that you have opted for your Royal Enfield Classic bike. If it is third-party liability, then it will provide coverage against any damage only to a third-party person or property. But a comprehensive bike insurance policy will offer protection against the following:
Accidents
Your savings stay intact as we take care of the financial losses arising due to an accident.
Fire & Explosion
Any loss or damage to your bike due to fires and explosion is covered.
Theft
If your Royal Enfield Active gets stolen, we will compensate you with the Insured Declared Value (IDV) of bike.
Natural/Manmade Calamities
We cover any damage caused to your bike due to floods, earthquakes, storms, riots and vandalism.
Personal Accident
You get a personal accident cover of up to Rs 15 lakh to take care of your medical expenses in case of any accident.
Third Party Liability
We provide protection against your financial liabilities in case you cause damage or injury to a third-party person or their property.
Knowing what is not covered in your Royal Enfield Active bike insurance policy will help you to avoid claim rejections. Let’s take a look at the some of the exclusions in your policy:
Depreciation
A standard policy will not cover depreciation of parts unless you have opted for a Zero Depreciation add-on. However, you need to pay extra premium to buy this add-on.
Wear and tear
We don’t provide coverage for natural wear and tear of your bike parts.
Electrical & Mechanical Breakdown
Your policy will not cover electrical or mechanical breakdowns unless you have purchased specific add-ons.
Illegal Driving
Any damage caused to your bike due to illegal behaviour is not covered. Such behaviour includes driving under the influence of drugs or alcohol, driving without a valid driving license, etc
How to Renew Royal Enfield Classic Insurance?
To enjoy uninterrupted coverage, it is important to renew your Royal Enfield Classic insurance policy on time. With just a few clicks, you can easily renew your policy from the comfort of your home. Follow the below four-step process and get your bike secured 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?
Royal Enfield Classic is a bike designed to conquer the length and breadth of India. Which is why, it deserves an insurance policy that comes with a super wide garage network and tons of features. With HDFC ERGO, that is exactly what you get. We have one of the largest networks of authorized garages and can provide emergency roadside assistance across a large number of states in the country. Further, when you avail Royal Enfield Classic bike insurance from HDFC ERGO, you get access to a superfast policy purchase process and smooth claim filing and processing services. And that is not all, here are more reasons to choose HDFC ERGO.
24x7 roadside assistance
In case of a breakdown, we are just a call away. Our 24x7 roadside assistance will help you to fix breakdown issues, no matter where you are stranded.
Easy claims
Nearly 50% of the claims we receive get processed on the same day. Plus, we offer paperless claims and self-inspection option. Doesn’t it speak volumes about our simple, quick and seamless claims settlement process?
Overnight repair service
With our overnight repair service for minor accidental repairs, you don’t have to wait till the break of dawn to get your bike fixed. You can get your bike repaired overnight without losing sleep and get it back in perfect shape the next morning.
Cashless assistance
Thanks to HDFC ERGO’s 2000+ network garages across India, you will always find a network garage in your vicinity to get your bike repaired.
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