Motor Insurance
Royal Enfield Himalayan Bike Insurance
Premium Starts At ₹538*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your bike
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your bike due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 1 lac for third party property damage
Personal Accident Cover
Starting from INR 15 Lacs
No Claim Bonus
Up to 50%
Optional Covers
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your bike insurance claim from the accident spot and get it settled within minutes through our Bajaj General App
24x7 Spot Assistance
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
Note
Two-Wheeler TP Insurance Premiums starting at INR 538
Inclusions
What’s covered?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your bike and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 1 lac)
If an accident is caused by your bike and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
Accidents
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to bike by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your bike catches fire or explodes
Theft
Financial losses when your bike is stolen
In Transit Damage
If your bike is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your bike accident results in death or disability of bike owner
Add-On Covers
Multiple Add-Ons which you can buy with your bike insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the bike intentionally
Depreciation
Normal wear and tear of the bike due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your bike suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your bike, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your bike, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a bike depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your bike back in case of theft or total loss
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
Royal Enfield Himalayan Bike Insurance: Coverage, Benefits & Premiums
The Royal Enfield Himalayan is a powerful adventure-tourer, built to handle off-road terrain and long highway rides. But unpredictable road conditions, weather, and accidents can lead to significant repair costs. That’s why having the right Himalayan bike insurance is crucial. A good policy protects against damage, theft, and third-party liability, offering peace of mind wherever you ride. Whether you're exploring the Himalayas or navigating urban traffic, insurance ensures your journey stays worry-free. Opting for a trusted provider like Bajaj General Insurance ensures seamless claims, comprehensive cover, and access to a wide network of cashless garages across India.
Why Royal Enfield Himalayan Needs Insurance
The Himalayan is designed for rugged adventures, but its usage also increases the risk of damage, wear and tear, and accidental impact. Whether you’re riding through mountain trails, highways, or city roads, unpredictable hazards like rockfalls, potholes, and collisions can cause serious repairs. Replacing or repairing parts of this premium bike can be expensive, especially in case of engine or frame damage. A comprehensive Royal Enfield Himalayan insurance plan covers such scenarios, reducing your financial burden. It also includes third-party liability—legally required in India—and offers personal accident cover. If your bike is stolen or damaged in a natural calamity, your insurance ensures compensation. Insurance is not just mandatory—it’s essential for riders who value their investment and safety.
Benefits of Online Bike Insurance for Royal Enfield Himalayan
Buying or renewing Himalayan bike insurance online has many advantages:
● Quick comparisons between plans and premiums from different insurers.
● Instant issuance of policies, often within minutes, with no paperwork required.
● Transparent pricing, helping you select coverage based on budget and needs.
● Easy access to add-ons like engine protection, zero depreciation, or return-to-invoice
● Secure payment gateways and online policy downloads make the process hassle-free.
● Online premium calculators help estimate the Himalayan bike insurance price accurately.
● 24/7 access to policy management tools and renewal tracking.
Leading insurers like Bajaj General Insurance offer user-friendly digital platforms for policy purchase, renewal, and claims—ensuring every aspect of your insurance is just a click away.
Types of Bike Insurance Plans for Royal Enfield Himalayan
You can choose between the following two-wheeler insurance plans for your Himalayan:
1. Third-Party Insurance: Legally mandatory, this plan covers third-party injury, death, or property damage but doesn’t protect your own vehicle.
2. Comprehensive Insurance: Offers broader protection, including third-party cover and own-damage protection. It includes accidents, theft, fire, floods, and natural disasters.
You can further enhance your coverage with add-ons like:
● Engine Protection (ideal for off-roaders)
● Zero Depreciation Cover
● Roadside Assistance
● NCB Protection
Given the Himalayan’s touring and off-road use, a comprehensive plan is strongly recommended to avoid out-of-pocket expenses in case of serious damage.
Popular Royal Enfield Bike Models With Bike Insurance Price
Insurance prices vary by model and policy type:
● Royal Enfield Classic 350: ₹950–₹1,800 (approx., comprehensive)
● Royal Enfield Bullet 350: ₹920–₹1,700 (approx.)
● Royal Enfield Himalayan: ₹1,200–₹2,500 depending on IDV and add-ons
These are indicative rates and vary by city, variant, bike age, and insurance provider. To find the right Himalayan bike insurance price, use an online calculator for a custom quote.
Royal Enfield Bike Insurance Premium Calculator
Using the bike insurance premium calculator is the best way to find the exact Himalayan bike insurance price. Simply enter:
● Bike model and variant (e.g. Royal Enfield Himalayan)
● Year of purchase and registration city
● Policy type (third-party or comprehensive)
● Claim history
The calculator will generate a quote based on these factors, along with optional add-ons. It helps you compare multiple plans instantly and choose the one that fits your coverage needs and budget..
Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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1
Download the Bajaj General App from App stores or click "Get Quote"
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2
Register or log in to your account.
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3
Enter your bike details
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4
You will be redirected to the bike Insurance Page.
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5
Ensure to check your No Claim Discount
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6
Choose right Insured Declared Value(IDV) that reflects your bike value
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7
Evaluate Covers, Add Ons, Optional Covers and Exclusions
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8
Select a plan from the recommended options, or customize your own plan
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9
Review the premium and other coverage details
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Proceed with the payment using your preferred method
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11
Receive confirmation of your purchased policy via email and SMS
How To Renew
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1
Login to the app
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2
Enter your current policy details
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3
Review and update coverage if required
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4
Check for renewal offers
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5
Add or remove riders
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6
Confirm details and proceed
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7
Complete renewal payment online
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8
Receive instant confirmation for your policy renewal
How to Claim
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1
Download our Bajaj General App on Android or iOS
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2
Register or login to use Motor On the spot claim for a smooth process
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3
Enter your policy and accident details (location, date, time)
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4
Save and click Register to file your claim
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5
Receive an SMS with your claim registration number
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Fill in the digital claim form and submit NEFT details
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Upload photos of damaged parts as instructed
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Upload your RC and driving license
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Receive an SMS with the proposed claim amount
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Use the SMS link to agree/disagree with the claim amount
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Agree to receive the amount in your bank account
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Track your claim status using the Bajaj General App
Know More
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1
For any further queries, please reach out to us
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Phone +91 020 66026666
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Fax +91 020 66026667
At-A-Glance
Compare Insurance Plans Made for You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Cover Insurance |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| Overview | Covers legal liabilities arising due to body injury or property damage to others due to your bike. It is mandatory by law. | Covers expenses arising out of damage to your bike. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| Policy Period | 1/2/3 years | 1 Year | 1/2/3/5 years | 1/2/3/5 years |
| Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
| Accidents & Collisions | No | Yes | Yes | Yes |
| Natural or Man-Made Disasters | No | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes | Yes |
| Theft | No | Yes | Yes | Yes |
| Compulsory Personal Accident | Yes | Yes | Yes | Yes |
| No Claim Bonus | No | Yes | Yes | Yes |
| Add-on: Zero Depreciation Cover | No | Yes | No | Yes |
| Add-on: Lock & Key Replacement | No | Yes | No | Yes |
| Add-on: 24x7 Roadside Assistance | No | Yes | No | Yes |
| Add-on: Consumables Cover | No | Yes | No | Yes |
| Explore more add-ons | No | 25+ Add On's | 25+ Add On's | 25+ Add On's |
How to File Royal Enfield Himalayan Bike Insurance Claims?
Filing a claim for your Himalayan is easy:
1. Notify your insurer immediately after the incident (damage, accident, or theft).
2. Register your claim via app, website, or call centre.
3. Submit required documents: FIR (if needed), insurance policy, driving licence, and RC.
4. Surveyor inspection may be scheduled to assess the damage.
5. Repairs are carried out at a network garage or reimbursed later.
6. Track the claim via your insurer’s portal until settlement.
Documents Required for Filing Royal Enfield Himalayan Bike Insurance Claims
When raising a claim, keep these documents ready:
● Insurance policy copy
● Registration Certificate (RC) of the bike
● Driving licence of the rider at the time of incident
● First Information Report (FIR) for theft or third-party injury cases
● Duly filled and signed claim form
● Photographs of the damaged vehicle
● Repair estimate or invoice from the garage (for reimbursement claims)
● No Trace Certificate (for theft claims)
Digital insurers also allow document upload via app or email for faster processing. Ensure that the information is accurate and complete to avoid delays or rejections.
Download Policy Document
Get instant access to your policy details with a single click.
Why Insure Your Bike with Bajaj General?
Buy Now
Why Choose Bajaj Gneral for Royal Enfield Himalayan Bike Insurance
Bajaj General Insurance offers reliable, feature-rich bike insurance plans that match the needs of Royal Enfield Himalayan riders. Whether you're riding through city roads or mountain trails, Bajaj General Insurance offers robust protection through:
● Comprehensive and third-party plans
● Add-ons like engine protection, zero depreciation, and roadside assistance
● Fast online policy issuance and renewal
● Easy claim process via mobile app or portal
● Access to a wide network of 7,200+ cashless garages across India
Bajaj General Insurance ensures peace of mind during long rides, helping you focus on the road ahead while they take care of the rest.
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What Our Customers Say
Quick Claim Settlement
The entire claim process was effortless. I received my claim amount quickly, and the service was top-notch. Thanks, Bajaj General!
Sanjay Rana
Tamil Nadu
10th Jan 2021
Affordable Premiums & Great Coverage
Extensive coverage at an affordable premium. The added benefits like roadside assistance make this policy a great choice!
Diya Kapoor
Jharkhand
15th Dec 2024
Cashless Repairs Without Hassles
Got my car repaired at a network garage without any paperwork. The cashless facility is truly a lifesaver!
Abhishek Mishra
Punjab
5th Feb 2020
Easy and Transparent Purchase
The policy purchase process was smooth. Everything was clear, and I got extensive coverage at a reasonable price!
Neha Agarwal
Goa
25th Jan 2024
FAQ's
Does Himalayan insurance cover off-road damage?
Off-road damage is usually covered if the terrain is legal and within policy terms—add-ons like engine protection are advisable for adventure riders.
How does NCB transfer work for Himalayan?
Request an NCB certificate from your previous insurer and present it at renewal to retain your earned discount on premium.
How does region affect Himalayan insurance premiums?
Premiums are higher in metro cities due to higher traffic and risk exposure; rural or low-risk zones may enjoy lower rates.
Is engine protection needed for Royal Enfield Himalayan?
Yes, it’s highly recommended for off-road use, where water or debris can damage the engine—this add-on offers peace of mind.
Which is the suitable two-wheeler insurance plan for the Royal Enfield Himalayan bike?
A comprehensive plan with engine protection and zero depreciation is ideal for the Himalayan, especially for long-distance or off-road riders.
What is the grace period for Himalayan insurance renewal?
Most insurers offer a grace period of up to 90 days after expiry—renew within this to retain benefits like NCB.
Can I transfer my existing motor insurance policy to the new owner?
Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.
What risks are covered under an insurance policy for a vehicle?
The coverage for vehicle insurance can vary depending on the type of policy chosen. Third party liability, third party property damage, personal accident cover, own damage, theft, natural/manmade calamities, etc. are some of the common risks that are usually covered under motor insurance for a vehicle.
Why should I buy comprehensive vehicle insurance policy?
Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle from damages due to an accident, theft, or natural disasters and damages caused to third party etc.
What is a Third-Party Liability Cover?
Third-Party Liability Cover is a type of insurance plan that covers that damages caused to a third-party from your vehicle.
What's the difference between third-party and comprehensive insurance?
Third-Party Liability covers damages incurred by another person or their property; it's mandatory by law to get a third-party insurance plan for your vehicle in order to drive it in India. Whereas, Comprehensive Motor Insurance covers third-party liability and damages to your own vehicle due to accidents, theft, etc. as per the policy terms.
Will my No Claims Bonus be transferred if I renew my motor insurance?
You may be able to transfer your No Claims Bonus (NCB) when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better NCB options and discounts.
What is premium reduction process if no claim acquired previously?
The no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for people who have long-term insurance policies with the same company.
Where can I initiate a claim?
You can use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.
How do I register my claim?
Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is best to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Bajaj General App to claim your insurance in just a few easy steps.
What is a "deductible" or "compulsory excess" in motor insurance?
Deductible is the amount a policyholder pays out of their pocket before your insurance coverage kicks in; a higher deductible usually means a lower premium.
Why does my vehicle insurance premium change during renewal?
Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.
How NCB is calculated at the time of renewal?
No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.
What is a break in insurance?
The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.
When is vehicle inspection mandatory in motor insurance?
Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.
Can I change my motor insurance provider at renewal?
Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
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