Reliance Two Wheeler Insurance

Reliance two wheeler insurance company is one of the trusted two wheeler insurance companies in India. The insurer is a part of Reliance Capital Ltd. which deals in selling two wheeler insurance along with other different types of insurance policies. The company has over 139 offices in India along with a strong customer base consisting of SMEs, corporates and individuals. The company has a claim settlement ratio of 98% and offers comprehensive coverage at affordable premium rates.

Reliance two wheeler insurance policy offers you with many benefits and given below are few of them.

• Personal accident cover of Rs. 15 lakhs
• Cashless claim settlement at 8200 garages
• Add-ons such as zero depreciation, engine protection cover, zero depreciation, etc.
• 24*7 customer support, available for assistance even on holidays
• Easy claims assistance on video
• Up to 50% no claims bonus discount
• Get up to 20%-80% discount by opting for voluntary deductible, no claim bonus, etc.

You can choose to cover your bike with three types of bike insurance offered by Reliance general insurance company including standalone insurance, comprehensive insurance and third party insurance cover.

It is important to note that buying personal accident cover up to Rs. 15 lakhs is mandatory as per the law and you can buy the same along with your Reliance Two wheeler policy.

Third party liability insurance: This type of insurance only covers financial liablities arising out of damages caused to third party persons or property; it covers death and disability too. This type of insurance is mandatory as per the law.

Comprehensive insurance: This type of insurance offers you wide coverage, providing cover for third party as well as own damage. It covers damages caused to your car due to theft, natural and man made calamities. Damages caused due to theft, fire explosion, personal accident, etc. are covered.

Stanadlone two wheeler insurance: You can choose to insure your two wheeler with standalone two wheeler insurance that offers coverage only for damages caused to your bike; it does not cover third party damages. This policy can be bundled with third party insurance which is mandatory as per the law. Standalone insurance offers coverage only for damages

Personal accident cover: This type of cover provides coverage against death or disability caused to the vehicle owner/driver due to an accident. Coverage up to Rs. 15 lakh is provided under PA cover.

Two wheeler insurance by Reliance does not offer coverage for the below:

• General wear and tear
• Electrical or mechanical breakdown
• Consequential loss
• Vehicle used outside geographical limits
• Driving without valid driving license
• Driving under the influence of alcohol
• Vehicle used for commercial purpose

Given below is the claims process of Reliance two wheeler insurance:

In case of an accident

Follow the below process to raise claim with Reliance insurance in case of two wheeler accident

• Inform the insurance company immediately
• File an FIR if required
• Fill the claim form and submit to the insurer
• Surveyor will be sent to estimate the extent of damages and provide repair cost estimate
• In case of repair at network garage, bills will be settled by the insurer directly
• In case of repair at non network garage, repair bills will have to be provided to the insurance company

In case of theft

• Contact the Reliance two wheeler insurance company
• Lodge claim with the insurance company
• Fill the duly signed claim form
• File FIR copy
• Fill the Form 26, 28, 29, 30 and form 35
• The claim settlement is done after non traceable report is received from the police

In case of third party claim

• Contact the company via their toll free number or email
• Submit the duly filled claim form
• Lodge a complaint at the nearest police station and file an FIR
• Submit the FIR to the insurance company along with the other documents such as driving license, registration certificate, etc.
• The claim will be taken up at the Motor insurance tribunal which will then decide on the

Given below are the documents required to file Reliance General Two Wheeler Insurance claim:

• Engine number
• Chassis number
• Registration certificate
• Policy details
• Vehicle manufacturing date
• FIR Copy

Reliance General Insurance offers attractive discounts to the two-wheeler insurance policyholders.

No Claim Bonus discount (NCB): The No Claim Bonus discount (NCB) is a discount offered for making no claims in a policy year. The discount goes up to 50% and is offered for making no claims in five consecutive years.

Voluntary discounts: This discount is offered if you decide to pay the minimum amount of money at the time of claim.

If you decide to pay Rs. 500 at the time of claim, you get 5% off on the Own Damage (OD) premium or maximum Rs. 50.