Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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Royal Enfield
Bike Insurance

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About Royal Enfield two wheeler insurance

'You say, Royal Enfield, I'll hear the sound of thud-thud', says every Enfield admirer. Royal Enfield bikes, popularly known as bullets, are usually the first choice of ride for adventurous motorcyclists who wish to conquer the Indian mountains. This makes Royal Enfield bike insurance just as necessary as repairing and overhauling your motorcycle before heading to the mountains.Motor Insurance protects your bike from unexpected events—such as landslides, cyclones, manmade disasters and accidents— that may occur during your adventurous trips. To protect yourself from such mishaps, pay a small premium and select one of the various plans such as a comprehensive policy, third-party liability, or own-damage policy based on your needs. If you are seeking extensive protection for your Enfield bullet, go for comprehensive Royal Enfield insurance as it will protect you from any third-party liability arising from an accident with your bike as well as damage to your own bike. As road trips are full of uncertainties, you may also want to purchase add-on covers to enhance the coverage.

What are the types of Royal Enfield bike insurance plans?

Two-wheeler vehicle package policy

Comprehensive Royal Enfield motorcycle insurance offers extensive cover to your bike. It also gives you the option to purchase add-ons. The policy includes features of both an own-damage policy and third-party liability cover. Simply put, comprehensive policy covers you, your bike and third parties in the event of self-loss or loss to a third party due to an accident, natural disaster, or manmade disaster.

Two-wheeler vehicle liability policy

Under the Motor Vehicle Act of 1988, you must have third-party liability insurance to be able to ride on the Indian roads. It shields you from financial liability resulting from a third-party property or vehicle damage or injury caused to a third party as a result of your bike's negligence. Before you buy Royal Enfield third party insurance, keep in mind that it does not cover the bike's own damage.

Stand-alone own-damage Royal Enfield two wheeler insurance

Introduced by the IRDAI in September 2019, own-damage Royal Enfield insurance solely covers your bike's own damage. It comes to your aid if your bike is lost or damaged as a result of an accident, fire, theft, loss in transport, natural or manmade calamities. However, if you do not have an active third-party liability insurance cover, you can avail a comprehensive policy to cover damages to your bike.

What is covered in Royal Enfield bike insurance?

  • Inclusions
  • Exclusions
  • Natural disasters

    In the face of natural calamities such as hurricanes, landslides, floods, storms and earthquakes, Royal Enfield bike insurance will cover you irrespective of where your bike was—on the road or in the garage—at the time of the damage.
  • Manmade disasters

    Royal Enfield bike insurance protects your bike from manmade disasters such as theft, riots, terrorist attacks and vandalism.
  • Personal accident

    It is common to sustain an injury while getting on or off your bike. Royal Enfield insurance provides personal accidental cover of Rs 15 lakh for this situation as well as an injury sustained while riding.
  • Third-party liability

    Under Royal Enfield third party insurance cover, if your bike is involved in an accident resulting in the loss of third-party property, vehicle, or bodily injury, we will cover it.
  • Our Royal Enfield motorcycle insurance is not applicable if the loss to your bike is due to normal wear and tear or mechanical or electrical breakdown failure. Our policy is also not valid for any consequential losses.
  • If your Royal Enfield is not stolen and only its accessories are lost due to housebreaking or burglary, in such cases, our Royal Enfield bike insurance is not valid.
  • If you were riding your Royal Enfield bike under the influence of drugs or alcohol at the time of the accident, our Royal Enfield bike insurance will not cover you.
  • We shall not cover the loss or damage in case the rider is found riding the Enfield without its owner's permission.
  • If you are using your Royal Enfield in illegal activities or racing, our Enfield bike insurance is not valid.
  • We are not liable for any such damage to your tyres and tubes where the bike remains intact.

How to renew Royal Enfield bike insurance plans?


If your ICICI Lombard's Royal Enfield insurance is nearing expiry, simply follow these steps and get an instant Royal Enfield insurance renewal.

  • 1
    Click here to visit our Royal Enfield insurance renewal page.
  • 2
    Enter your Royal Enfield bike registration number or your registered mobile number.
  • 3
    Click on ‘Proceed’
  • 4
    Follow the instructions for Royal Enfield insurance renewal online.

Brief description about Royal Enfield bikes

Royal Enfield is one of the world's oldest motorcycle brands. It gained a million followers in India thanks to its distinctive features, vintage body design, and unusual engine sound. Despite having larger 350cc and 500cc engines, it still has a unique mileage of 35 kmpl. The Royal Enfield is made entirely of metal and has only a few plastic components. Furthermore, it also has a better resale value. The high quality, unique features, and heritage of one of the oldest companies propel it to the top of the garage must-have list.

Popular Royal Enfield two-wheeler models

Royal Enfield Classic 350

The Royal Enfield Classic 350 comes in two variants—Classic 350 Single Channel and Classic 350 Dual Channel. It has a powerful 346 cc engine with 19.36 PS and 28 Nm torque. Classic 350 has an excellent mileage of 41.93 kmpl. So, if you want to discover India's winding roads, the Royal Enfield Classic 350 is the ideal partner.

Royal Enfield Himalayan

It was named as the best 500 cc motorcycle at the 2016 NDTV Car and Bike Awards. As the name implies, this bike is ideal for exploring the Himalayan region. It features a 411 cc engine, a fuel tank capacity of 15 litres, and a mileage of 30 kmpl. It comes in nine different colours and three different variations.

Royal Enfield Interceptor 650

In 2019, Royal Enfield Interceptor 650 was awarded the Indian Motorcycle of the year award. This cruiser bike is now available in seven colours and three variations. It has a 648 cc engine, 23.5 kmpl mileage, and a fuel tank capacity of 13.7 litres.

Frequently asked questions about Royal Enfield bike insurance

What is the advantage of buying comprehensive bike insurance for my Royal Enfield bike?

Comprehensive bike insurance covers your bike's own damage as well as loss or damage to third-party. It has a feature of both standalone own-damage policy and third-party liability policy. As such, instead of paying for two separate policies, opt for comprehensive bike insurance for complete coverage. Under this type of policy, you can also buy add-on covers.

Do Royal Enfield bike insurance plans offer a discount?

Yes, you can avail up to 50% discount on your Royal Enfield bike insurance cost by remaining claim-free for the policy duration and earn an NCB reward.

Which bike insurance add-ons should I buy for a Royal Enfield bike?

Purchasing an add-on is a matter of personal preference and requirements. For your Royal Enfield bike we recommend Zero Depreciation and Roadside Assistance add-on covers.

How to reduce your Royal Enfield insurance premiums?

To reduce your Royal Enfield bike insurance cost, install anti-theft devices, avoid making small or unnecessary claims and retain your NCB, choose add-ons wisely, and renew your policy on time.

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