Two Wheeler Insurance with HDFC ERGO
Two Wheeler Insurance with HDFC ERGO
Annual Premium starting at just ₹538*

Annual Premium starting

at just ₹538*
7400+ Cashless Network Garages ^

2000+ Cashless

Network Garages**
Emergency Roadside Assistance

Emergency Roadside

Assistance
4.4 Customer Ratings ^

4.4

Customer Ratings
Home / Two Wheeler Insurance / Royal Enfield Two Wheeler Insurance

Royal Enfield Two Wheeler Insurance

Royal Enfield Two Wheeler Insurance

Designed by Bob Walker Smith and Frenchman Jules Gobiet, the first Royal Enfield motorcycle was produced in 1901 and launched in London. In 1949, K. R. Sundaram Iyer launched Madras Motors that received an order from the Indian Army for 500 350cc Bullets three years later. In 1955, the Redditch Company joined forces with Madras Motors to form 'Enfield India’. In 1994, The Eicher Group took over Enfield India Limited and renamed it as Royal Enfield Motors Limited. Today, it is the world’s oldest motorcycle brand and recently unveiled a range of limited-edition helmets celebrating its 120 years. It also launched the all-new Royal Enfield Classic 350 in September this year.

Popular Royal Enfield Bike Models

1
Classic 350
Power met precision when the Classic model was relaunched in an all-new avatar. The new model is inspired by the post-war G2 model, which the world saw in the 1950's. It is easily recognisable by its teardrop fuel tank, the distinctive thump, pea shooter exhaust, and the hallmark casquette headlamp. In 2009, when the Classic model hit the Indian market, Royal Enfield had hardly imagined that they had created its marquee product and now bigger things can be expected of its successor.
2
Bullet 350
If you listen to the lyrics of several Punjabi songs, you can find many references being made of this bike. That’s the kind of fan-following Bullet 350 has, simply because its presence is so imposing. The laid-bare engine, handcrafted chrome detailing and hand-painted pinstripes give it its signature look. Available in three colours, it is a motorcycle that is known for its stability and dependability.
3
Meteor 350
With classic contours and timeless design cues, Meteor is a thoroughbred cruiser. It comes with an all-new air-oil cooled SOHC engine, electronic fuel injection system, advanced braking ability, and responsive power delivery. It is not just stronger and more durable, but also designed to provide straight-line stability without compromising on comfort. Available in multiple hues, it features a Tripper™ navigation system, the first-ever in a Royal Enfield motorcycle. It also has a USB charging port.
4
Interceptor 650
Blend the essence of a British roadster with a dash of a California Desert Racer and there you have the Interceptor 650, inspired by the iconic 60’s model. It is thoroughly tested for durability and balance. Whether you need to deal with city traffic or cruise smoothly on an open road, its R18 alloy-rimmed wheels manage both situations well.
5
Continental GT
The inspiration for this Twin model (other twin model being the Interceptor) has been taken from the Continental GT 250 that symbolised the café racer culture of 1950s and 60s. It is an amazing blend of tradition and modernity. Its sculpted tank and a tucked-in riding position make it a perfect ride for all kinds of terrains.
6
Himalayan
If you love mountains and are eager to rush to different hill stations on every long weekend, here’s a motorcycle meant just for you. The Himalayan is designed to let you travel thousands of kilometres and overcome the most challenging terrains, from rocky to snowy. The upright riding position and the perfectly positioned foot pegs and handlebars reduce fatigue. Its LCD dashboard tracks everything from miles to maintenance.

Types of Royal Enfield Two Wheeler Insurance HDFC ERGO Offers

Owning a Royal Enfield motorcycle is a matter of pride. But it is not just enough to buy it, you also need to protect it with the right bike insurance policy. Bikers love to take their bikes for long rides, but with potholes, blind spots and reckless drivers on the roads, the risk of accidents and thefts is always there. You must have a Royal Enfield bike insurance policy not just because the law mandates it, but to protect yourself financially in case of an unfortunate event. HDFC ERGO provides a variety of bike insurance plans that will suit your needs. From a basic third party bike insurance to a multi year bike insurance package, you can evaluate what seamlessly fits your budget and coverage needs.

This is the most recommended option as it includes third-party liability, a personal accident cover, and crucially – own damage cover. It provides all-round financial protection to you, your bike, and to your liabilities in case you are at fault in an accident. You can also further enhance your coverage with select add-ons.

X
Suitable for bike lovers seeking all-rounded protection, this plan covers:
bike accident

Accident, theft, fire etc.

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

EXPLORE MORE

This is the type of insurance that is mandatory under the Motor Vehicles Act, 1988. It covers you financially against any losses arising out of injury, death, or disablement to a third-party person, or damage to their property. It also covers against any legal liabilities you may face as a result of the accident.

X
Suitable for those who use the bike infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

This standalone own damage policy is ideal for those who already possess a third-party liability insurance policy and want to increase the scope of coverage. It covers you against losses arising out of damage to your own vehicle as a result of an accident. Furthermore, you unlock the choice of add-ons to enhance your coverage.

X
Suitable for those who already have a valid third party cover, this plan covers:
bike accident

Accident, theft, fire etc

Natural calamities

Choice of add-ons

A plan that’s designed to add convenience and all-round protection to your bike ownership experience, the multi-year Royal Enfield bike insurance package includes a five-year third-party liability component and an annually renewable own damage insurance component. Even if you forget to renew your own damage component on time, you will still be financially covered.

X
Suitable for those who have purchased a brand new two-wheeler, this plan covers:
bike accident

Accident, theft, fire etc

Natural calamities

Personal accident

Third-party liability

Choice of add-ons

Inclusion & Exclusions of Royal Enfield Two Wheeler insurance

Your Royal Enfield bike insurance policy offers coverage depending on your policy type. While a third-party liability insurance only provides coverage against damage to a third-party person or property, a comprehensive bike insurance policy covers the following:

Accidents

Accidents

Financial losses arising due to damage to your own bike as a result of an accident is covered.

Fire & Explosion

Fire & Explosion

Damage to your bike as a result of fires or explosions is covered.

Theft

Theft

If your bike gets stolen, you will get compensated with the IDV of the bike.

Calamities

Calamities

Natural and manmade calamities such as earthquakes, storms, floods, riots, and vandalism are covered.

Personal Accident

Personal Accident

Your treatment-related charges are all taken care of up to Rs. 15 lakhs.

Third Party Liability

Third Party Liability

Injury, disablement or death to a third-party person, and damage to their property are also covered.

How to Renew Royal Enfield Two Wheeler Insurance?

Your Royal Enfield bike insurance renewal will take only a few minutes. It can be completed with just a few clicks from the comfort of your own home. Follow the four-step process mentioned below and get yourself covered instantly!

  • Step #1
    Step #1
    Visit HDFC ERGO website and choose to buy or renew your policy
  • Step #2
    Step #2
    Enter your bike details, registration, city, and previous policy details, if any
  • Step #3
    Step #3
    Provide your email ID, and phone number, to receive the quote
  • Step #4
    Step #4
    Make the online payment and get covered instantly!

Why HDFC ERGO Should be Your First Choice?

To ply on Indian roads, every bike needs to be compulsorily secured with a bike insurance policy. Apart from the mandatory requirement, bike insurance is a protective shield for your bike against any damages/losses that may arise due to accident, theft or natural calamities. And just as having bike insurance is crucial, choosing the right insurer is equally important. So, here’s why HDFC ERGO should be your first choice for your Royal Enfield bike insurance policy:

extensive service

extensive service

You need an insurer that has a substantial presence across the region you are in or country. And with over 7100 cashless garages across India, HDFC ERGO ensures that help is always at hand.

24x7 roadside assistance

24x7 roadside assistance

The 24x7 roadside assistance facility ensures you are never stranded helplessly in case of any breakdown.

Over one crore customers

Over one crore customers

HDFC ERGO has over 1.6 crore happy customers, which means you can rest assured that your needs will be taken care of.

Overnight service

Overnight services

Your routine can get disrupted when your car is in service. However, with our overnight service for minor accidental repairs, simply catch up on your night’s sleep and have the car delivered to your doorstep in time for your morning commute.

Easy claims

Easy claims

The ideal insurer should process claims quickly and smoothly. And HDFC ERGO does exactly that, as we process nearly 50%% of claims on the first day, ensuring your worries are minimised.

2000+ Network Garages Across India
2000+ˇ Network Garages
Across India

Frequently Asked Questions


You can renew the lapsed policy of your Royal Enfield online within minutes. Visit the official website of your insurance provider, enter the required details, make the payment and your policy will be renewed. A copy of the policy will be sent to your registered e-mail ID. No inspection is required.
Yes, you can upgrade at the time of renewing your policy.
NCB is valid up to 90 days from the date of policy expiry. So, if you renew it within 90 days, you can avail NCB discount.
If you have a Zero Depreciation add-on cover, the depreciation value of your Royal Enfield will not be taken into consideration during claim settlement. This means, if your bike is badly damaged, you can avail the full claim amount and don’t need to pay the depreciation value.