About Royal Enfield
Owning a Royal Enfield bike is every bike enthusiast’s dream. If you plan to bring one of these bikes home this year, don’t forget to get it insured. Liberty General Insurance offers you a range of two wheeler insurance policies that can protect you and your favourite bike against any unforeseen financial liabilities.
Royal Enfield is one of the most popular brands in India. It is often synchronous with style and owning a Royal Enfield is also synonymous with a sense of pride. The company was founded in 1901, but it would not get its real identity till 1955.
Royal Enfield has a tagline of "the oldest global motorcycle brand in continuous production". It was conceptualised as an apt motorcycle for India’s army and police to patrol its borders. However, the brand’s journey began as the dream of two brothers who wished to manufacture motorised bicycles.Read More
Why choose Liberty General Insurance for your Royal Enfield bikes?
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Top Royal Enfield bikes
Royal Enfield Bullet 500
A cruiser bike for the adventure seekers, the Bullet 500 is an upgrade to the Bullet 300. It comes with a 500cc unit construction engine with twinspark ignition. The engine is capable of a maximum torque of 26.1 bhp and 40.9Nm.
Royal Enfield Thunderbird 350
The Thunderbird 350 is the entry-level cruiser bike from the stable of Royal Enfield. It comes with a 350cc engine and is equipped to sail smoothly through rough terrains. The Thunderbird 500 is an upgrade of this bike.
Royal Enfield Himalayan
This is the first bike from the Royal Enfield brand that is specially designed for adventure. This bike comes with an all-new 411cc engine, also called the Long Stroke (LS) 410. As the name suggests, the bike is for those who want to get on their bike and head out for an adventure, even in the rough terrains of the Himalayas.
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Types of two wheeler insurance for Royal Enfield bikes
Liberty General Insurance offers two types of two wheeler insurance.
Own damage to two wheeler
With this policy in place, you are covered against any damages to you and your two-wheeler in case of an accident. You are also covered against the theft of your two-wheeler. Moreover, any expenses – medical or otherwise-- arising out of an accident involving your bike will be taken care of by the own damage two-wheeler policy.
What does your own damage two wheeler insurance policy not cover?
When opting for an own damage two wheeler insurance policy, you must be aware of what benefits you’re missing out on. Let’s take a look at what this policy does not cover
- Damages to a third party vehicle (If you want coverage for both - own as well as third party damages then buy comprehensive bike insurance)
- Damage caused to a third-party property
- Injuries caused to other people in an accident
- 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
- Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered
Third party Insurance
Under the Motor Vehicles Act of 1988, it is mandatory for every two-wheeler owner to have a third party insurance. This insurance protects you against financial liabilities caused by any kind of damage to a third party in an accident. It includes taking care of medical bills for the treatment of injuries to a third party as well as repair and replacement of third party property.
Liberty General Insurance allows you to add extra benefits to your insurance cover. They are called add-ons. Some add-ons available to you are
- Depreciation cover
- Passenger assist
- Consumable cover
- Engine safe cover
- Key loss cover
- Roadside assistance cover
Should I buy third-party or comprehensive bike insurance?
When you buy a bike, we recommend that you go for a comprehensive bike insurance, as third-party two-wheeler insurance only covers third-party liability, and any damage to your bike will not be covered. You can choose one of several Liberty General bike insurance policies that cater to your requirements to ensure that you don’t feel the pinch in case your Enfield bike is damaged. You should also look to buy an add-on insurance policy cover so that you can secure the best possible protection for yourself. Some of the add-on policies include Depreciation Cover, Engine Safe Cover, Passenger Assist Cover, Gap Value, Key Loss Cover, Roadside Assistance Cover, Consumable Cover.
What are the documents required to settle a claim?
You will be required to submit the following documents:
- Insurance policy number
- Contact details
- Date and time of the accident
- The bike’s vehicle number
- A detailed explanation of how the accident took place (in case the bike met with an accident)
- A copy of the FIR in case of a third-party liability
- An estimated cost of repair from the garage
- Copy of bills and receipts in case you have already made a payment
What are the factors that affect two wheeler insurance?
Factors that determine two wheeler insurance premiums include:
- Driving history
- Gender and age of driver
- Marital status
- Previous insurance
- Cubic capacity of engine
- Age of the vehicle
- Vehicle use
- Make, model and variant of your vehicle
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