Two-wheeler insurance from Reliance General acts as a trustworthy companion that brings financial protection for you and your bike or scooter against damages caused by accidents, natural disasters or other serious incidents. At the same time, it also takes care of third-party liabilities. 

  • Cashless Claims. 
  • Personal Accident Cover. 
  • Multiple Add-ons.
  • Instant Claim-settlement. 
  • 98% Claim-settlement Ratio. 
  • No-claim Bonus (NCB).
  • Zero Paperwork.
  • Expired Policy Renewal.
  • Online Purchase. 

Reliance two-wheeler insurance policies from Reliance General Insurance Company Limited serve millions across India through 1,200+ network garages and other practical offerings. 

Reliance Two-Wheeler Insurance Features & Advantages

  • Third-party liability and comprehensive insurance.
  • Own-damage cover.
  • Option to choose a long-term policy.
  • Takes care of financial losses due to stolen two-wheelers and during transit.
  • Addresses physical hurt to individuals and liabilities to third-parties when their property gets damaged due to your bike/scooter/auto-cycle accidents.
  • Compensates losses occurring because of natural calamities such as storms, cyclones, typhoons, earthquakes, hailstorms, inundation or lighting and human-made incidents like riots or terrorist attacks.
  • Personal accident cover of 15 lakh rupees.
  • Customised add-ons.
  • Easy Video Claims.
  • No-claim bonus, up to 50%.
  • Expired policy renewal without inspection.

Reliance Bike Insurance Policies & Variants

  • Third-Party Two-Wheeler Insurance: Legally mandatory as per the Motor Vehicles Act.
  • Also called party-liability-only low-premium insurance.
  • Protects you against damages, bodily harms, injuries or death of third parties because of accidents involving your bike or scooter.
  • Includes others driving the two-wheeler with policyholder's consent and a personal accident cover for driver/owner directly connected with the bike or scooter. 
  • Comprehensive Two-Wheeler Insurance: Takes care of all the legal liabilities arising out of bodily injuries to and/or property damages of third parties due to accidents involving your ride.
  • Covers accidental losses/damages to your bike or scooter caused by fire/explosion, self-ignition/lightning, burglaries, thefts, riots, strikes, earthquakes (fire/shock damages), floods, storms, hurricanes, typhoons, tempest, inundation, hailstorms, frost, cyclones, malicious/terrorist activities, whilst in transit by road/rail, inland waterways, lifts/elevators/air, landslides and rockslides.
  • Carries a personal accident cover and optional add-ons.
  • Long Term Comprehensive Two-Wheeler Insurance: A 360-degree cover that allows you to get insured for up to three years.
  • Brings continued protection.
  • NCB benefits and proportional refund provision.
  • Considerable savings in the long run. 

Reliance 2-Wheeler Insurance Add-Ons

  • Nil-Depreciation: Depreciation does not get calculated while claim settlement and the entire due claim amount is compensated. 

Reliance General Insurance Bike Exclusions

  • Wear/tear and ageing of the two-wheeler.
  • Wear/tear consumables like tyres/tubes unless the bike/scooter is damaged in an accident, in which case 50% of replacement costs are covered.
  • Depreciation/consequential losses.
  • Mechanical/electrical breakdowns.
  • Two-wheeler being used otherwise than in accordance with stated limitations.
  • Driven under the influence of drugs/liquor.
  • Damages/losses due to wars, mutinies or nuclear risks.

Two-Wheeler Reliance Insurance Policy Discounts

  • Voluntary Discounts: Applicable if you choose to pay the minimum amount at the time of claim settlement.
  • No-claim Discounts: If you do not make any claims throughout the year, you get a discount of 20% on the premium of the second year. It can go up to 50% for consecutive claims-free years. 

Reliance Two Wheeler Vehicle Insurance Premium

The premium for your two-wheeler Reliance insurance policy is based on factors such as the make/model, city, registration date, add-ons and the use of electrical or non-electrical accessories. You can use established online insurance comparison portals like to explore Reliance two-wheeler insurance policy rates, simplify and speed up the process of buying bike or scooter insurance.

Reliance Two-Wheeler Insurance Renewal & Application

One can apply for a new Reliance General Insurance two-wheeler policy or prefer Reliance bike insurance renewal by viewing and comparing quotes online through premier insurance comparison platforms such as Quickinsure.

Reliance General Two-Wheeler Insurance Review

Reliance two-wheeler policies are the products of Reliance General Insurance, a Reliance Capital company. Admired for innovative solutions and customised plans, it carries a huge customer base across the country. It attracts those looking for an affordable motorcycle or scooter insurance with all the necessary protective features.

Reliance General Two-Wheeler Insurance Policies FAQs

Q1. How is IDV defined for my Reliance two-wheeler insurance policy?

The IDV or Insured Declared Value is the maximum sum-assured determined by the insurer and the amount you would receive when the bike or scooter gets damaged or stolen. 

Q2. Does Reliance bike insurance cover accidents outside the geographical area?

No, it does not. 

Q3. Is it binding to take any one of the available add-on covers? 

No, as the same suggests, add-ons are additional conveniences meant to strengthen your two-wheeler insurance. There is no compulsion to pick any. 

Q4. What are the key factors that influence my two-wheeler insurance premium?

The type of policy you choose, condition of the scooter or bike, age/gender of the driver, his/her driving experience, brand, functionalities, market or resale value of the two-wheeler, add-on covers opted, and modifications made. 

Q5. What's the Reliance two-wheeler insurance claim registration procedure?

You may choose any of the following three options: Call toll-free at +91 22 48903009​, use Reliance Self-i App​ or directly register your claim online by downloading the claim form via

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for the most up-to-date and precise details.


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