A name which is associated with legacy, ruggedness and power, Royal Enfield has been a major contributing force to the Indian two-wheeler industry. Since beginning its production in 1955, Royal Enfield has never had to look back. With its popularity growing among the younger generation while remaining intact among the older ones, Royal Enfield has enjoyed success, unlike any other brand.

Royal Enfield bikes come with features such as:

1. ● Anti-braking system
2. ● Charging port
3. ● Service indicator
4. ● Low fuel indicator
5. ● Comfortable suspension

Even if the build of a Royal Enfield bike is tough and sturdy, it is prone to damage, and you are prone to injuries in an accident. To get the financial protection that you and your Royal Enfield bike deserve from such unfortunate circumstances, you should buy bike insurance for your brand-new Royal Enfield. 

Types Insurance plans available for Royal Enfield bikes

With models such as Classic 350, Himalayan, Meteor 350, Interceptor 650, and Continental GT, to name a few, the choices are varied.

When it comes to insuring your Royal Enfield motorbike, there are two options to consider like third-party bike insurance and comprehensive bike insurance. It is compulsory to have at least third-party insurance for Royal Enfield two-wheelers, as per the motor vehicles act of 1988. This type of insurance covers any damages caused to a third-party vehicle and provides coverage for third-party injuries, however, it does not cover any damage to your own bike.

In contrast, comprehensive insurance provides all-round coverage for your two-wheeler. It covers not only damages to your bike but also third-party liabilities under the same policy. With comprehensive insurance, your Royal Enfield two-wheeler is protected from losses or damages due to natural or manmade calamities, fires, and theft. To enhance the insurance coverage, add-ons can also be included.

While standalone third-party coverage is less expensive, the price of comprehensive two-wheeler insurance for your bike is slightly higher. It is important to keep in mind that the cost of this insurance may increase based on the add-ons that are included.

When you purchase Royal Enfield insurance online, you can include some of these add-ons to your comprehensive policy:

Zero Depreciation Cover

Zero-depreciation add-on cover provides full coverage for the cost of repair or replacement of bike parts without any depreciation deduction.

NCB Protect Cover

IThis add-on cover protects your No Claim Bonus (NCB) even if you file a claim during the policy period.

Engine Protect Cover

Engine Protection cover provides coverage for damages to the engine of your Royal Enfield bike due to waterlogging, leakage, or any other causes.

Roadside Assistance Cover

This add-on cover provides 24x7 roadside assistance in case your bike breaks down, runs out of fuel, or faces any other issues while on the road.

Personal Accident Cover for Pillion Rider

Personal accident cover for pillion rider add-on cover provides financial compensation in case of accidental death or disability of the pillion rider.

Consumable Cover

Here are the step-by-step instructions to buy bike insurance online for your Royal Enfield two-wheeler:

1. Research:

   Do some research and compare the various policies offered by different insurance providers to choose the one that best suits your needs and budget.

1. Visit insurance provider's website:

   Once you have selected the policy you want to buy, visit the website of the insurance provider.

1. Enter bike details:

   Enter the details of your Royal Enfield two-wheeler, such as the make and model of the bike, year of purchase, and registration number.

1. Choose the type of policy:

   Choose the type of policy you want to buy - third-party liability, comprehensive, or standalone own-damage policy. Selecting the comprehensive Royal Enfield insurance policy allows you to customise the policy with add-ons.

1. Select add-ons:

   You can also select any additional covers or add-ons that you may require, such as zero depreciation cover, roadside assistance, etc.

1. Provide personal details:

   Enter your personal details, such as your name, contact number, email ID, and address.

1. Calculate premium:

   Once you have provided all the required details, the insurance provider will calculate the Royal Enfield insurance policy price. For this, you can even use a two-wheeler insurance calculator.

1. Make payment:

   Pay the premium amount through a secure payment gateway using a debit card, credit card, or net banking.

1. Receive policy document:

   Once the payment is successful, you will receive the policy document via email. You can also download and print the policy document if required.

It is important to read the policy document carefully and understand the terms and conditions, inclusions, and exclusions of the policy. If you have any doubts or queries, you can contact the customer support of the insurance provider for assistance.

How to Renew Royal Enfield Insurance Online?

Royal Enfield insurance renewal online is a convenient and hassle-free process. Here are the steps to follow:

1. Visit the insurance provider's website:

   Visit the website of the insurance provider from whom you had purchased the policy.

1. Click on Renew:

   Look for the 'Renew' option on the website and click on it.

1. Enter policy details:

   Enter the policy number, expiry date, and other required details.

1. Check policy details:

   Check the policy details and make any necessary changes or modifications. When you customise your policy during renewal, you might notice a difference in the Royal Enfield insurance renewal price. This could be due to the inclusion or exclusion of add-ons.

1. Calculate premium:

   The insurance provider will calculate the premium amount based on the policy details and coverage selected.

1. Make payment:

   Pay the premium amount using a debit card, credit card, or net banking through a secure payment gateway.

1. Receive policy document:

   Once the payment is successful, you will receive the renewed policy document via email.

It is important to renew your Royal Enfield insurance policy before the expiry date to avoid any lapse in coverage. Also, check if there are any new add-ons or concessions available while renewing the policy. Make sure to read the policy document carefully to understand the terms and conditions, inclusions, and exclusions of the policy. If you have any queries or doubts, you can reach out to the customer support of the insurance provider for assistance.

How to file an Insurance Claim for Royal Enfield bike?

Here are the steps to file a bike insurance claim for your Royal Enfield bike:

1. Contact your insurance provider:

   The first step is to inform your insurance provider about the accident or damage to your Royal Enfield bike. You can either call the customer service helpline or visit the nearest branch office to initiate the claim process.

1. Provide details:

   You will need to provide details about the incident, such as the time and date of the accident, location, a brief description of the incident, and any injuries sustained, if any.

1. Provide policy details:

   Provide your policy details, such as the policy number, date of purchase, and coverage details.

1. Submit documents:

    

   You will need to submit the following documents to support your claim:
   1. ● Copy of your bike insurance policy
   2. ● Copy of your bike registration certificate
   3. ● Copy of your driving license
   4. ● Police FIR or accident report
   5. ● Repair estimates and bills

1. Claim processing:

   Once the documents are submitted, the insurance provider will assign a surveyor to inspect the damage to your Royal Enfield bike. The surveyor will assess the damage and estimate the repair costs.

1. Settlement:

   After the surveyor's report, the insurance provider will process the claim and settle the amount as per the terms and conditions of the policy. You will receive the payment either as a reimbursement of the repair expenses or directly to the garage.

It is important to file the insurance claim as soon as possible to avoid any delays in the settlement process. Also, make sure to provide all the required documents and information to support your claim. If you have any doubts or queries, you can contact the customer support of the insurance provider for assistance.