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 Classic Insurance

Buy/Renew Royal Enfield Classic Insurance Online

Royal Enfield Classic Two Wheeler Insurance

Royal Enfield has been the leader in lifestyle biking in India for decades now. It has become the gold standard for biking in the country, especially when it comes to cruising, touring and adventure biking. After all, cities like Manali and Leh have seen more Royal Enfield bikes than any other two-wheelers registered in their states as well as from out of their states. Even though it started its journey in the United Kingdom, the company has since moved lock, stock and barrel to India and has become the quintessential Indian motorcycle. Of the entire line-up, Royal Enfield Classic has been the most loved and fastest moving vehicle from the company.

Popular Royal Enfield Classic Variants

1
Royal Enfield Classic 350 with dual channel ABS
This is the popular and in-demand variant of the bike that most people will prefer to buy. It comes with a 349cc single stroke air and oil cooled engine. This is an electronic fuel injection engine bike which is driven by a 5-speed constant mesh transmission based on wet, multi plate clutch system. Braking at the front is provided by a 300 mm disc brake and at the rear by a 270 mm disc brake. The colours available include Chrome Red, Chrome Bronze, Dark Stealth Black, Dark Gunmetal Grey, Signal Marsh Grey and Signal Desert Stand. The bike comes with a 170 mm ground clearance.
2
Royal Enfield Classic 350 with single channel ABS
This bike is mechanically and electrically almost the same as the dual channel ABS bike but is meant for budget conscious buyers who mostly use their bikes in urban areas with good roads. The bike comes in two colour options, namely Redditch Sage Green and Redditch Grey.

Types of Royal Enfield Classic Insurance HDFC ERGO Offers

HDFC ERGO bike insurance is the best choice for current owners as well as new buyers of Royal Enfield Classic motorcycles. With this bike, you have the freedom to go anywhere and at any time. While these bikes are extremely reliable, they also need proper protection. This is where HDFC ERGO steps in to make your life easy. With us, you can get third party bike insurance cover for single year or for multiple years. Or go for own damage bike insurance cover if you are still under the new bike third party policy protection. For anyone looking for a one stop solution, we offer single year and multiyear comprehensive insurance plans which can be further enhanced with multiple add-ons.

If you want all-round protection against damages to your own bike as well as that of third-party person or property, then this is the ideal package for you. You can opt to stay covered for one, two or three years. However, if you want to avoid the renewal hassle every year, we recommend you to secure your Royal Enfield Active for three years. Another added benefit of this policy is that you can customise your Royal Enfield Active bike insurance with add-ons for enhanced coverage.

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 a basic type of insurance that provides you financial protection against any liabilities arising due to damage, injury, disablement or loss caused to a third-party person or property. This is a mandatory requirement to drive on Indian roads and if you are caught without a valid Royal Enfield Classic third-party insurance, be ready to pay a fine of Rs 2000.

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

Any damage to your own vehicle due to accident, theft or calamities – natural or manmade, will be covered under this policy. If you already have Royal Enfield Active third-party liability insurance, this cover will give you added protection.

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

If you have purchased a brand-new bike, this cover will offer one year’s protection against loss to your own vehicle and 5 year’s protection against damage to a third-party person or property.

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 Classic Insurance

The coverage depends on the policy that you have opted for your Royal Enfield Classic bike. If it is third-party liability, then it will provide coverage against any damage only to a third-party person or property. But a comprehensive bike insurance policy will offer protection against the following:

Accidents

Accidents

Your savings stay intact as we take care of the financial losses arising due to an accident.

Fire & Explosion

Fire & Explosion

Any loss or damage to your bike due to fires and explosion is covered.

Theft

Theft

If your Royal Enfield Active gets stolen, we will compensate you with the Insured Declared Value (IDV) of bike.

Calamities

Natural/Manmade Calamities

We cover any damage caused to your bike due to floods, earthquakes, storms, riots and vandalism.

Personal Accident

Personal Accident

You get a personal accident cover of up to Rs 15 lakh to take care of your medical expenses in case of any accident.

Third Party Liability

Third Party Liability

We provide protection against your financial liabilities in case you cause damage or injury to a third-party person or their property.

How to Renew Royal Enfield Classic Insurance?

To enjoy uninterrupted coverage, it is important to renew your Royal Enfield Classic insurance policy on time. With just a few clicks, you can easily renew your policy from the comfort of your home. Follow the below four-step process and get your bike secured 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?

Royal Enfield Classic is a bike designed to conquer the length and breadth of India. Which is why, it deserves an insurance policy that comes with a super wide garage network and tons of features. With HDFC ERGO, that is exactly what you get. We have one of the largest networks of authorized garages and can provide emergency roadside assistance across a large number of states in the country. Further, when you avail Royal Enfield Classic bike insurance from HDFC ERGO, you get access to a superfast policy purchase process and smooth claim filing and processing services. And that is not all, here are more reasons to choose HDFC ERGO.

24x7 roadside assistance

24x7 roadside assistance

In case of a breakdown, we are just a call away. Our 24x7 roadside assistance will help you to fix breakdown issues, no matter where you are stranded.

Easy claims

Easy claims

Nearly 50% of the claims we receive get processed on the same day. Plus, we offer paperless claims and self-inspection option. Doesn’t it speak volumes about our simple, quick and seamless claims settlement process?

Overnight repair service

Overnight repair service

With our overnight repair service for minor accidental repairs, you don’t have to wait till the break of dawn to get your bike fixed. You can get your bike repaired overnight without losing sleep and get it back in perfect shape the next morning.

Cashless assistance

Cashless assistance

Thanks to HDFC ERGO’s 2000+ network garages across India, you will always find a network garage in your vicinity to get your bike repaired.

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

Frequently Asked Questions


Yes! HDFC ERGO has really good price and plan options for people who are looking to buy a new Royal Enfield Classic but are not satisfied with insurance options available from the dealer. You can easily insure your new bike online by just providing a few details about it and yourself. The online policy will be issued in minutes.
Add-ons come in handy when you want to fill in the gaps that a comprehensive insurance policy might have. Two add-ons recommended for anyone looking to buy Royal Enfield Classic bike insurance are Zero Depreciation cover and Return to Invoice cover. Further, an engine protector cover add-on should also be chosen for total care of your bike engine.
While there are no specific rules as to when you can only choose a third-party cover, generally, people tend to buy it as a part of a comprehensive policy. Note that third party cover fulfils the legal requirement of bike insurance but does not offer any protection for your bike. We recommend that you choose third party cover only if you are in the process of selling or scrapping the bike or if you do not plan to use the bike for a year or so. Comprehensive Royal Enfield Classic bike insurance is always recommended over third party only cover.
You can rely on HDFC ERGO bike insurance policy no matter where you travel in the country. With more than 2000 garages in our network, you are never too far from a garage that can help you if needed. Plus, with our app-based claims service, the claims process has become very fast, streamlined and easily accessible right when you need it.