Reliance Two Wheeler Comprehensive Insurance

Why Choose Reliance General’s Two Wheeler Insurance?

Offerings like Instant Renewal & Easy Claim Process
Reliance has a very easy process for two wheeler insurance renewal and it could be done online easily. You just need to enter a few details like your vehicles registration number and you can get a quote easily. Also, Reliance provides 24x7 support through telephone and this assistance to deal with the immediate claim is provided to the customer on all days even on the holidays. The application process is pretty simple and also is fast and reliable. The claim process settlement is thus very simple.

Customised Add-On Covers
Reliance offers various online two wheeler insurance add-on covers like Nil Depreciation, Daily Allowance Benefit, EMI protection, Helmet Cover and more which you can choose as per your needs. There is also personal accident coverage inside the plan which gives an additional cover of 15 lakhs for any medical treatments due to accident.

Cashless Facility
Reliance also gives the insurer the benefit of availing cashless garages in two wheeler insurance the number of which exceeds 1198. With this amount, you’ll easily be able to find a network garage in a Tier 1 or Tier 2 city near the area you live in. Reliance is known for two wheeler insurance claim settlement and providing reliable services in the shortest and fastest possible time.

No Claim Bonus
A no claim bonus is a bonus given to policyholders for every year that passes without a claim. The rate of the no claim bonus offered by Reliance is 20% for the first year and 25% for two consecutive years, 35% for three consecutive years, 45% for four consecutive years, and finally 50% for the five consecutive years. Also, there is an option of voluntary deductibles that can be chosen by the policyholder to lower the two wheeler insurance premium amount. A deductible of between 500 to Rs 1500 could be chosen which will lower the premium by 5% to 20%.

Add On Covers for Reliance General’s Two Wheeler Insurance

When you are riding on the roads you are exposed to numerous risks. While our standard two Wheeler insurance plan offers basic protection, you can add more value to your two wheeler insurance protection with add-on covers. Our Add-On covers are designed to widen your two wheeler insurance cover to ensure all-round protection. You can choose from add-on covers such as: Nil Depreciation
With this add-on, secure your bike/ two wheeler against a reduction in the value of parts with age. You will get the parts replaced without any pinch to your wallet. This add-on cover is applicable to the following conditions-

• This add-on covers two wheelers/bikes, with a maximum of two claims in one vehicle insurance policy period
• In case of partial loss, we will settle a claim made for the insured two wheeler only if it is repaired by/ at one of our authorised dealers or workshops
• Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable if you have opted for it

Important points to keep in mind about Nil Depreciation Cover :

• The rubber, nylon, plastic parts, and fiber-glass components are covered under this two wheeler insurance add-on.
• We cover vehicles with a maximum age of 2 years
• We offer a maximum of 2 claims per policy period
• You can opt for this add-on cover with your two wheeler insurance policy when you get a brand new vehicle or while renewal of your two wheeler policy.

Exclusions under the Nil Depreciation Add-On Cover :

• Parts not approved under the Motor Insurance Policy
• Tyres and tubes

Daily Allowance Benefit
We can’t deny the fact that accidents happen! In this condition, we have to leave our vehicles in the garages and travel by our own. This two wheeler insurance add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorized network garage for more than 3 days for repairs. This add-on cover is applicable to the following conditions-

• Triggered if >3days vehicle under repairs due to perils/OD
• Option to choose days & amount
• Allowance Limit Rs.5000/- per day
• Lumpsum theft benefit, if vehicle is not recovered 90 days
• 2 claims applicable

EMI Protection
We are concerned about financial impact of an accident. We cover up to 3 EMI’s of your insured vehicle if it is in the insurer's authorized network garage for more than 30 days for repairs. This add-on cover is applicable to the following conditions-

• Vehicle is in repair, vehicle loan EMIs will gets paid
• Payment directly made to financial institution
• Up to maximum 3 EMI shall be payable
• Triggers if repair time > 30 days
• Applicable only for partial claims

Helmet Cover
This add on cover will make an allowance towards cost of replacing damaged or destroyed helmet of same type and model due to accident involving the insured vehicle. This bike / two wheeler cover is valid for Annual Two Wheeler policy and can be bought as an add-on cover at the time of purchase. This add-on cover is applicable to the following conditions-

• Premium starting @Rs.100/-
• Pay only 10% of Helmet cost (Sum Insured)
• Sum Insured limit up to Rs.50,000/- per helmet
• More than 1 helmet can be covered in a single year
• Reimbursement of the helmet will be the same type and model

Things You Need to Know About Reliance General’s Two Wheeler Insurance

Two wheeler policy market has changed dramatically over a few years. There are a lot of features given by the insurers to make sure that their customers retain their two wheeler insurance policy. Getting two wheeler insurance now is as easy as you can imagine, the process is done online and is hassle-free. Some of the things to know before getting two wheeler insurance are:

Comprehensive and Third Party Liability Only Coverage:
With getting the two wheeler insurance, the person has the option to choose between third party liability only coverage or the comprehensive cover. The liability covers are mandatory by the Indian law but having a comprehensive cover will cover for your own damages as well apart from the third-party damage.

Compulsory Personal Accident Cover:
Two Wheeler insurance now have the option to avail person accidental coverage of up to 15 Lakh, earlier it was 1 lakh but recently IRDAI increased the cover to 15 lakhs.

Optional Add-On Coverage:
There are a lot of additional features offered under a two wheeler insurance policy at an extra cost but could be sometimes important and go a long way. It includes coverage from accessories, to spare parts to option to choose to cover accident for pillion riders.

No Claim bonus Transfer:
The no claim bonus could be transferred easily in case a new two wheeler insurance policy is purchased, the no claim bonus is given to the rider and not the vehicle thus the transfer is easy.

Discounts:
IRDAI approved insurers to give a discount on two wheeler insurance to the vehicles with approved anti-theft insurance, membership of automotive session.

Easy Online Purchase:
With everything going online, one can avail the policy for a new vehicle and also renew the two wheeler insurance policy online quickly at eindiainsurance .This makes it easy for the rider to get the facility right at their home. Since all the details can be entered and completed online, a lot of verification and paperwork is saved.

Features of Reliance General’s Two Wheeler Insurance:

We understand the hassle behind buying two wheeler insurance and thus try very hard to make the plans as well as the process as friendly for the buyer as possible. There are a lot of special features offered specifically by Reliance Two wheeler Insurance to make it one of the best purchase sets, take a look at them in some detail : Paperless: Two wheeler Insurance by Reliance General Insurance is completely available online and thus the paperless hassle-free facility could be enjoyed. Going paperless has not only made the process easy but has also resulted in saving a lot of resources and easy renewals expanding the scope for the customers. It has also made the process of buying and renewing two wheeler insurance a lot faster.

• Long Term Insurance Policy: Reliance insurance is best at providing long protection that is a 3 years policy with a single click. Getting long-term two wheeler insurance at one go decreases the premium amount while also decreasing the burden off your head of renewing the policy again and again each year.
• Renew Expired Policy Without Inspection: Reliance General also gives the benefit of renewing two wheeler insurance policy that has expired without any inspection or paperwork. You can get an expired two wheeler insurance quote online just by filling your two wheeler registration number.
• Add-on covers: The list of the two wheeler insurance add-on covers is very long. While getting basic insurance when your two wheeler insurance does cover for a lot of things but still there are some add-ons which can be taken at an extra cost each of which will add to the level of protection. This could be Personal Accident Bundle Cover, Zero or Nil Depreciation Cover and much more.
• Discount Offers: If you are new to getting a two wheeler insurance or you have been a long-time customer Reliance has offers for almost all the groups. These exciting offers are win-win for the buyer and thus could enjoy up to a 20-50% discount on getting insurance through Reliance. These discounts could range from No Claim bonus discounts, Voluntary discounts etc.

What Does Your Reliance General’s Two Wheeler Insurance Policy Cover?

Even if you are an expert rider, safety is not guaranteed. At Reliance General Insurance, we endeavour to provide you the best possible coverage. Their Two Wheeler insurance policy covers your own as well as third party damages caused due to:
Fire, Flood, Frost, Theft, Tempest, Typhoon, Earthquake, Explosion, Accident , Cyclone, Landslide, Terrorism, Inundation, Lightening, Rockslide, Hailstorm, Hurricane, Self-Ignition, Riot & Strikes and/or Malicious Acts, Transit by Rail Road, Air & Elevator

How To Make a Claim on Your Reliance General Two Wheeler Insurance Online?

With Reliance General Two Wheeler insurance the claiming process for two wheeler is pretty simple. It could be done in two ways either through the cashless facility at the garage or by claiming for the reimbursement. In both the cases if the claim is correct the amount is fully paid as promised but it is important to know the difference between the two processes:

Cashless Claim
This is the case when the person goes to a network garage and they do not pay upfront all the costs that are insured. The insurance company pays for the insurance liability directly to the repairer. Customer pays only the difference amount and takes vehicle delivery.

Reimbursement Claims
In this type of claim, you will have to pay for the repairs and keep the bills so that later a claim could be filed with Reliance General.

The basic process for filing a two wheeler insurance claim is as follows:

• Call toll-free number +91 22 4890 3009 to register a claim.
• You have to take the two wheeler to your nearest garage for the repair. However, to avail cashless benefit, RGI network garages can be utilized.
• Then a survey will happen and you will have to submit required documents for the claim.
• Our agents will confirm the liability after the inspecting the damage
• In case of a cashless facility, you are advised to get the vehicle repair at any of the network garages in your city, and we will settle all the bills directly with the garages up to the payment amount, based on the policy.
• If you do not opt for a cashless facility then you will have to pay for repairs at the moment, and later can submit the bills and claim form to us for the reimbursement.
• Vehicle delivery

At the time of the accident, it is important to be attentive about the details and look for the time at which accident occur. Also, it would be great to have some witness and to click some photo or take some videos at that time. The next step is to file an FIR at the nearest police station. The police will fill in the details of the accident in the FIR which will be used when filing a claim. There is no mandatory requirement of filing a FIR for all claims. It is only required in malicious case or if there is any TP death or injury involved. After this, the team will contact you and ask you for the details and you may have to visit the office to present these details and document like two wheeler insurance policy paper and FIR papers.

For motor claims, we have also come up with Reliance Self-i App where you can intimate the claims instantly. Moreover, you can now have a live video call with their claim experts and be informed about the status in real time.

What Reliance General’s Two Wheeler Insurance Doesn’t Cover Under

As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover:

• Normal wear-and-tear of the vehicle
• Mechanical and electrical breakdown
• A vehicle being used other than in accordance with the limitations as to use. For example, if you use your two wheeler for commercial purposes
• Damage to/by person 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 vehicle's value
• Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered
• Compulsory deductibles - a fixed amount that gets deducted at the time of the bike or scooter insurance claim
• Damage to Tyres & Tubes unless the vehicle insured is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement
• Loss or damage to the accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time