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Reliance Two Wheeler Insurance

Reliance, one of the most trusted names in the insurance space, also features amongst the leaders in the two wheeler industry.

Offers upto 40% discount on two wheeler insurance

The company understands the hassles behind buying two wheeler insurance and provides pocket-friendly insurance plans that suit the needs of a vehicle owner. With paperless real time renewals, long term policy tenures and attractive discounts, the company gains preference amongst two wheeler owners.

Key Features of Reliance Two-Wheeler Insurance

  • Paperless – Hassle-free instant paperless renewal.
  • Claim settlement - Quick and hassle free claim settlement.
  • Long-term - Offers 3 year policy with one click.

Key Benefits of Reliance Two Wheeler Insurance

  • Renew expired policy – Without inspection you can renew your expired policy.
  • Cashless Garage Network – 159 cashless garage across India.
  • Special Add-on covers – Personal accident bundle cover, Zero Dep, etc.
  • Discount offers – Upto 40% bike insurance discount.

Reliance Private Two Wheeler Insurance Coverage

Reliance Private Bike Insurance Policy can be tailor-made for your two wheeler. This policy by Reliance Motor Insurance covers Own Damage bike insurance and also, Third-party liability insurance, which helps bike owners at the time when needed – in case of any accident or mishaps.

Types of coverage

Own Damage: This policy cover any damage or loss to the owner’s bike due to any of the following things:

  • Accident Fire
  • Lightening
  • Self-Ignition
  • Explosion
  • Theft, Riots & Strikes and / or Malicious Acts and Terrorism
  • Earthquake, Flood Cyclone
  • Inundation Transit by Rail, Road, Air & Elevator

Third Party or Liability: This policy is mandatory by the Motor Vehicle Act 1988, it is provided by Reliance Private Bike Insurance Policy which covers any injuries or property damages to the third party.

Personal Accident Cover: In case of Accidental Death or Permanent Total Disablility the owner-rider of the insured bike is covered with the sum assured of Rs 1,00,000 (1 lakh). Additionally, you can

Add-on features of Reliance Two-Wheeler Insurance

  • Personal Accident Bundle Cover: This is an additional add-on cover for two-wheeler by Reliance General Insurance that provides you an automobile insurance cover against accidents anywhere in the world regardless of who is driving the bike. Under this cover, you are insured against Accidental Death and Permanent Total Disablement. Further details are shown in table below:
CoverageCompensation AmountCapital Sum Insured (Rs.)
In case of Death100% of Capital Sum Insured (CSI)5 Lakh
Permanent Total Disability or Death 100% of Capital Sum Insured (CSI)5 Lakh
Loss or physical separation of two limbs and loss of sight for both eyes or loss of one limb and sight of one eye100% of Capital Sum Insured (CSI)5 Lakh
Loss or physical separation of one limb or loss of sight of one eye50% of Capital Sum Insured (CSI)5 lakh
  • Zero or Nil Depreciation Cover: Usually, the cost of the depreciable parts such as, rubber, plastic, metal are not fully covered. The depreciable cost is deducted at the time of claim repair which the policyholder has to pay. This add-on cover helps you to save money on those depreciable parts. And company pays the full amount of repair and/or replacement at the time of claim except tyre(s) and tube(s). Specific condition: This add-on covers is for private two wheelers, with a maximum of two claims in one policy period and covers with maximum vehicle age of 2 years.

Discounts Offered by Reliance Two-Wheeler Insurance

Reliance General Insurance offers attractive discounts to the two-wheeler policyholder.

  • No-Claim Bonus: The no-claim bonus is a discount offered on the next year’s premium. If you make no claims throughout the year, you are benefitted with the huge discount on the next year’s premium. If for the first year you made no claims you are offered with 20% discount on the second year premium and so on. It keeps on increasing. The following table will provide the details.
No. Of YearsDiscount
One claim-free year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
Five consecutive claim-free years50%
  • Voluntary discounts: This discount is offered if you decide to pay the minimum amount of money at the time of claim. If you decide to pay Rs. 500 at the time of claim, you get 5% off on the Own Damage (OD) premium or maximum Rs. 50. If you don’t make any claims you still get discount and neither the minimum amount you agreed to pay at time of claim.
Voluntary Deductible (Rs.)Discount
5005% on the OD premium of the vehicle, subject to a maximum of Rs 50/-
75010% on the OD premium of the vehicle, subject to a maximum of Rs 75/-
100015% on the OD premium of the vehicle, subject to a maximum of Rs 125/-
150020% on the OD premium of the vehicle, subject to a maximum of Rs 200/-

Exclusions of Reliance Two-Wheeler Insurance

  • Any wear-and-tear of the bike due to aging
  • Any mechanical and electrical breakdown
  • Private bikes used for remuneration purpose is not covered
  • Driving without a valid driving license
  • Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the bike's value
  • Loss or damage due to war or nuclear risks
  • Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered under our motor bike insurance.
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.

How to Claim for Reliance Two-Wheeler Insurance

Contact Details:



Toll-Free Number: 1800 3009

Required steps and supporting documents:

a) In case of Accident

  • Immediately contact Reliance Motor Insurance on their toll-free number 1800 3009
  • Lodge a claim with duly signed Claim Form
  • Copy of Driving License, RC book, Policy document
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Estimate Bill
  • In case of cashless service, only Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt

b) In case of Theft

  • Immediately contact Reliance Motor Insurance on their toll-free number 1800 3009
  • Lodge the claim with duly signed claim form
  • Original keys with Copy of Driving License, RC book, Policy document
  • Police FIR copy
  • Duly signed Form 26, 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of Third Party Claims

  • Immediately contact Reliance Motor Insurance on their toll-free number 1800 3009
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim:

  • The first things to make a claim is to call on Reliance General Insurance’s Toll-Free Helpline number - 1800 3009
  • Take appointment with the surveyor and take your vehicle to any of Reliance General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
  • Company confirms liability
  • If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable
  • But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement
  • Vehicle Delivery

Review of Reliance Two Wheeler Insurance

With exceptional customer service paired with 159+ network cashless garage and innovative products, Reliance General Insurance is definitely one of the top players in general insurance category. The Anywhere Assist app is a significant feature launched to tackle any emergency situations where finding help at hand can be quite awful. In all, if you are looking to buy bike insurance coverage that provides comprehensive coverage, Reliance General Insurance should be in your top 3 list.

FAQs on Reliance Two-Wheeler Insurance

Based on which factors is the premium of my two wheeler calculated?

The premium of your two wheeler will be calculated based on the model, age, location of registration, IDV, cubic capacity, extra covers opted by you and the type of your insurance policy.

I have added brand new accessories to my Two Wheeler, can I get those insured as well?

Yes, even if you add new accessories in the middle of your policy tenure, you can get them insured. Just intimate the company about new accessories and their kind. You might need to pay extra premium to get certain type, for example: electrical, accessories insured.

What are the exclusions of Reliance Two Wheeler Insurance Policy?

Following things are not covered in the policy:

  • Damage due to riding the two wheeler under an influence of narcotics and alcohol
  • Regular wear and tear
  • Consequential loss to the two wheeler
  • Damage due to an unlicensed person riding the two wheeler
  • Breakdown

What is Personal Accident Cover for Two Wheeler Insurance?

In case of an unfortunate incident like Accidental Death or Permanent Disability, Personal Accident Cover offers a Sum Assured. This option is NOT limited to the geographical location of the two wheeler. Also the cover is irrespective of the person riding it.

Can I transfer my No Claim Bonus to my new Two Wheeler?

Yes, it is possible to transfer your No Claim Bonus(NCB) to a new vehicle that you own. One can avail for a NCB if the person does not make any claim on the two wheeler policy. This is counted in number of years.