Reliance Two Wheeler Insurance

Reliance Two Wheeler Insurance

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Bike Make
RTO Code
Reg. Year

Reliance Two Wheeler Insurance Policy

Can you imagine your life without your vehicle? It seems like time has stopped and you have become paralyzed without your own bike or car. How convenient life has become after the invention of the wheel and ultimately your dream vehicle, especially the bike. Your precious little two-wheeler has always been there for you. It takes you from one place to another, smoothly rides away even in the midst of heavy traffic and most of all, takes very little parking space. If your bike has been doing so much, don’t you think even you need to do something to safeguard your bike? In fact, it is more for you and your pocket’s sake, than for the bike itself.

Hence, Reliance General offers you coverage for your two-wheeler against all the unexpected incidence say robbery, accident, fire, etc. and gives you financial support during your tough time.

Benefits and Features

Basic Attributes

Say How Much- If you are all set to buy this plan, then you need to know that the money you have to insure for in order to avail the services depending on the current market value of your two-wheeler after deducting the depreciation amount. Below is the depreciation deduction table that will give you a brief idea of how to calculate sum insured value.

Age of Two-Wheeler Depreciation Percentage
Not More than 6 months Nil
6 months to 1 year 5%
1 year to 2 years 10%
2 years to 3 years 15%
3 years to 4 years 25%
4 years to 5 years 35%
5 years to 10 years 40%
More than 10 years 50%

Classification of Coverage in Broad- If you are thinking of buying this policy, then you must know what exactly it covers. You can choose from two plans-

1. Only Third Party- Your liability towards third person.

2. Comprehensive Plan- It is a ‘Complete Package Plan’ that covers three sections- Personal Accident, liability and vehicle damage coverage. All sections are explained below-

- Personal Accident- In this, if the insured meets with a road accident and gets injured badly or dies, then the insurance company provides compensation to him or his nominee.

Compensation Table

Consequences Compensation Percentage
Death 100%
Total and Permanent Disablement or loss of both the limbs or eyes 100%
Loss of one limb or eyesight 50%

Liabilities to Third Party - If because of you and your vehicle, the property of third party gets damaged or is lost or the person himself gets injured, then you are liable to pay the third party. However, if you own this policy, the insurance company will pay the liability on your behalf.

Loss or Damage to Insured Vehicle - The plan also offers to cover the damage caused to your vehicle because of-

  • Burglary, robbery, theft or housebreaking
  • Lightening or Fire
  • Natural Calamities- Earthquake, cyclone, flood, landslide etc.
  • During the transit of your vehicle to some other place via roadways, waterways, railways or airways
  • Accidental external means
  • Riot, strike or malicious act or terrorist activities.

Zoom it Away- If you are all set to buy this plan, you need not go anywhere or ask for anybody’s help. You can simply log in, choose two-wheeler insurance under motor insurance menu, click buy, fill the form, pay using any online method and the policy is yours to use. Hence, buying is convenient, plus it reminds you about the renewal, security payment, etc. on a regular basis.

Money Not a Problem- If your two-wheeler stops all of a sudden and you need to get it repaired but are short on cash, then need not worry. This policy offers you cashless service aka you can get your bike repaired without paying any cash in any of the networked garages.

Age of Two-Wheeler
Not More than 6 months
6 months to 1 year
1 year to 2 years
2 years to 3 years
3 years to 4 years
4 years to 5 years
5 years to 10 years
More than 10 years

Expert View

"Reliance General’s Two-Wheeler Insurance is a plan that is economical, convenient and comprehensive.
It was designed with a motive to provide coverage that the insured was looking for."

Why Reliance General Two Wheeler Insurance?

This policy has its own highlights that make it so irresistible and worthy. Below are some of the highlights-

  • Customize Your Policy With Add-On:If you think, you need more than you are getting, then you can also customize your policy by paying a bit extra for awesome add-on covers mentioned below-
  • Personal Accident Coverage - This add-on cover offers the insured compensation in case he meets with an accident and injures himself badly or dies. Here, the sum insured amount is Rs. 5 lac and compensation percentage table is already mentioned above (under personal accident section).
  • No Depreciation - If you don’t want the insurance company to reduce your coverage amount by deducting depreciation amount at time of claim settlement, then you should buy this add-on, which provide you total coverage and thus, your expenditure reduces.
  • Discounts and Bonus - Doesn’t it sounds great to get some kind of discount that further reduces the burden on your pocket? Well, read on
  • Voluntary Deductible - Voluntary Deductible means that you agree to pay some portion of the claim yourself and the rest will be paid by the insurance company. So, if your voluntary amount is high, then your premium amount will reduce to a great extent.
  • No Claim Bonus - If you go without claiming your policy for a whole year, you will be given no-claim bonus.
  • Renew Your Policy - If you find this policy apt for you,, then you can also renew it anytime you want and for as long as you wish.
  • Fast settlement - The settlement process of this policy is very quick and hassle-free. There is hardly any complication or difficulty.


  • The insurance company is not liable to pay for the normal tear-wear of the vehicle nor will it provide money for electrical or mechanical breakdown.
  • Vehicle damage caused when insured is under the influence of drug or alcohol will not be covered.

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