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The Royal Enfield Hunter 350 is a neo-retro roadster powered by a 349cc J-series engine and designed for practical urban riding. As with any two-wheeler, it can be exposed to risks such as accidents, theft, fire, natural calamities and third-party liabilities.
Royal Enfield Hunter 350 Insurance can provide financial protection against covered own-damage losses and third-party liabilities, while third-party insurance is legally required when the motorcycle is used on public roads in India. The extent of protection depends on the policy type, coverage selected and applicable terms and conditions.
You can choose the type of two-wheeler insurance policy based on the level of protection you require:
Third-Party Bike Insurance: This is the mandatory cover required to legally ride the motorcycle on public roads. A third-party bike insurance covers your legal liability towards third parties for injury, death or property damage caused by the insured bike. It does not cover damage to your own motorcycle.
Standalone Own-Damage Insurance: This policy can cover eligible damage to your Hunter 350 caused by insured events such as accidents, theft, fire and specified natural or man-made incidents. You can consider standalone own-damage bike insurance when you already have a separate third-party policy and need coverage for eligible damage to your own bike.
Comprehensive Bike Insurance: This combines third-party liability protection with cover for eligible own-damage risks. A comprehensive bike insurance can provide protection against accidents, theft, fire, natural calamities and specified man-made events, subject to the policy terms and conditions.
| Hunter Model | IDV [Lowest IDV] | Basic OD Premium[5 Years] | Basic TP Premium[5 Years] | Net Premium [5 Years] |
|---|---|---|---|---|
| Metro Dapper | ₹ 1,30,840 | ₹ 2,745.00 | ₹ 7,365.00 | ₹ 10,959.84 |
| Metro Rebel | ₹ 1,33,380 | ₹ 2,826.00 | ₹ 7,365.00 | ₹ 10,989.34 |
| Standard | ₹ 1,28,165 | ₹ 2,427.00 | ₹ 7,365.00 | ₹ 10,847.74 |
| Retro Factory | ₹ 1,27,263 | ₹ 2,426.00 | ₹ 7,365.00 | ₹ 10,847.74 |
Note: The actual Royal Enfield Hunter 350 insurance premium is not fixed by the ex-showroom price alone. It can vary according to the insurer, policy type, IDV, registration location, vehicle age, claim history and selected add-ons.
The Royal Enfield Hunter 350 is a roadster for everyday commuting with neo-retro styling. Its ex-showroom price ranges from ₹1.38 lakh to ₹1.71 lakh, depending on the variant. The 349cc single-cylinder, four-stroke, air-oil-cooled petrol engine produces 20.21 PS at 6100 rpm and 27 Nm at 4000 rpm. A 5-speed manual gearbox and assist-and-slip clutch support everyday riding.
| Specification | Royal Enfield Hunter 350 |
|---|---|
| Engine | 349 cc |
| Engine Type | Single-cylinder, 4-stroke, air-oil cooled |
| Maximum Power | 20.21 PS @ 6100 rpm |
| Peak Torque | 27 Nm @ 4000 rpm |
| Transmission | 5-speed manual |
| Mileage | 36.2 kmpl |
| Fuel Tank Capacity | 13 litres |
| Kerb Weight | 177 kg |
| Seat Height | 790 mm |
| Ground Clearance | 160 mm |
| Front Brake | Disc |
| Rear Brake | Drum |
| ABS | Single-channel |
| Body Type | Roadster |
A two-wheeler policy policy can provide protection for several insured situations, including:
Accidental Damage: Eligible damage caused by an insured collision or accident.
Theft: Covers total loss due to theft, subject to IDV, policy conditions and claim admissibility.
Fire and Explosion: Covers eligible loss caused by fire, explosion or related insured events.
Natural Calamities: Covers specified damage from floods, storms, cyclones, earthquakes and similar events.
Man-Made Events: Covers specified incidents such as riots, strikes and malicious acts.
Third-Party Liability: Covers legal liability arising from third-party injury, death or property damage.
Personal Accident Cover: Applicable owner-driver personal accident protection may be available subject to eligibility and policy terms.
Damage During Transit: Eligible loss or damage during approved transportation may be covered.
Normal Wear and Tear: Regular deterioration of tyres, brakes, electrical components and other parts is generally not covered.
Mechanical or Electrical Failure: Standalone breakdowns are not normally covered unless linked to an insured event or covered add-on.
Depreciation and Deductibles: Applicable depreciation and compulsory or voluntary deductibles may be payable during a claim unless a relevant add-on provides otherwise.
Riding Without a Valid Licence: Claims may be rejected when the rider does not hold a valid licence for the motorcycle.
Driving Under the Influence: Loss or damage occurring while riding under the influence of alcohol or drugs is excluded.
Unauthorised Use: Claims arising from use outside the declared or permitted purpose may not be admissible.
Consequential Loss: Indirect financial losses such as loss of income or use are generally excluded.
Policy-Specific Exclusions: Other exclusions in the insurer's policy wording also apply.
| Add-on Cover | How It Can Help |
|---|---|
| Zero Depreciation Cover | Reduces depreciation deductions on eligible parts during an admissible claim. |
| Roadside Assistance Cover | Provides help for covered roadside emergencies, towing and breakdown situations. |
| Return to Invoice Cover | May provide a higher settlement basis for eligible total-loss or theft claims. |
| Engine Protect Cover | Can cover specified consequential damage to covered engine or mechanical components where applicable. |
| Consumables Cover | Covers specified consumables used during an admissible repair. |
| Key Replacement Cover | Helps meet eligible replacement costs for lost or damaged keys. |
| Personal Belongings Cover | May protect specified belongings affected by an insured event. |
| Tyre Protect Cover | Can cover eligible tyre or wheel damage under the add-on terms. |
Note: Add-ons vary by insurer, so check conditions, exclusions and limits before selecting them.
Enter Vehicle Details: Provide the registration number and other required motorcycle information. For a new bike, enter the relevant purchase details.
Compare Policies: Review available insurers, policy types, coverage and premiums.
Choose Coverage: Select third-party, standalone own-damage or comprehensive insurance according to your requirements.
Select Add-ons: Add relevant protection such as zero depreciation or roadside assistance if available.
Submit Details: Provide the policyholder and vehicle information required for issuance.
Pay Online: Complete payment for the selected policy.
Receive the Policy: The policy document is issued digitally after successful purchase.
Enter Existing Policy Details: Provide the registration number or current policy information.
Review Renewal Options: Check the premium, coverage and policy details.
Update Protection: Modify eligible add-ons or coverage according to your current needs.
Pay the Renewal Premium: Complete the online payment.
Receive the Renewed Policy: Download or access the updated policy document digitally.
Register the Claim: Inform the insurer about the incident as soon as possible.
Share Incident Details: Provide the accident, theft or loss information requested.
Submit Documents: Share the policy, RC, driving licence and other required documents.
Complete Inspection: Follow the insurer's inspection requirements.
Visit a Network Garage: Take the motorcycle to an authorised network garage.
Claim Settlement: The insurer settles the approved amount with the garage, subject to terms.
Notify the Insurer: Register the claim and retain the reference number.
Complete Inspection: Follow the insurer's instructions where inspection is required.
Repair the Bike: Get repairs completed after meeting claim requirements.
Retain Bills: Keep original invoices and payment receipts.
Submit Documents: Send the required documents and bills.
Receive Reimbursement: The admissible amount is processed after deductions.
Duly completed claim form
Insurance policy document
Registration Certificate (RC)
Valid driving licence
Photographs of the damage, where required
FIR or police report, where applicable
Repair estimate
Original repair bills and payment receipts for reimbursement claims
Any other documents requested by the insurer
Yes. Third-party two-wheeler insurance is mandatory when the motorcycle is used on public roads in India. A comprehensive policy can provide additional protection for eligible own-damage risks.
The premium can differ based on factors such as the vehicle's IDV, variant, registration location, policy type, age, claim history and selected add-ons. The insurer determines the final premium at issuance.
You should avoid riding without valid insurance. Depending on the insurer and the duration of the lapse, inspection or additional requirements may apply before renewal.
Yes. Enter the motorcycle details, compare available policies, select the required coverage and add-ons, provide the requested information and complete the payment online.
Not necessarily. The insurer pays the admissible claim amount after applying applicable deductibles, depreciation and other policy conditions. A zero depreciation add-on may reduce depreciation deductions on eligible parts, where available.
You should inform the insurer and the police as soon as possible and follow the claim process. For an admissible theft claim, the settlement is generally based on the applicable IDV and the terms of the policy.
Zero depreciation cover may be available as an optional add-on with eligible policies and insurers. It can reduce depreciation deductions on covered parts during an admissible claim. Availability and eligibility depend on the insurer and policy.
The premium can vary depending on factors such as the motorcycle's variant, IDV, registration location, policy type, vehicle age, claim history and selected add-ons. The final premium is determined by the insurer when the policy is issued.
