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Undoubtedly, the experience of riding a Royal Enfield Bike is no less than a legacy. Living up to the brand name, riding a Royal Enfield is indeed a unique experience. Not meant for speeding, the brand rather focuses on riding across toughest paths and rendering comfort to both the rider as well as the pillion. Standing by the values of being a classic, time tested and heritage, Royal Enfield bikes are meant for the extra ordinary riders who wish to ride the oldest surviving motorcycle manufacturers in the world.

With time the brand has witness steep growth in the demand curve by launching new models and variants. The last launched Royal Enfield Himalaya has touched million souls with its promising features, making it a best buy for the Himalayan Riders.

Models offered by Royal Enfield

  • Royal Enfield Bullet 350 / 500
  • Royal Enfield Classic / 350 /Gunmetal
  • Royal Enfield Classic
  • Royal Enfield Himalayan
  • Royal Enfield Thunderbird 350
  • Royal Enfield Classic Desert Storm
  • Royal Enfield Classic Squadron Blue
  • Royal Enfield Classic Stealth Black
  • Royal Enfield Classic Chrome
  • Royal Enfield Thunderbird 500


Importance of buying ROYAL ENFIELD Bike Insurance with HDFC ERGO

With HDFC ERGO bike insurance, shield your vehicle in the best way. We offer a wide range of plans to suit your requirements and cover your treasured bike against any unfortunate event. Some of the benefits you get with HDFC ERGO are:

  • Long-term coverage
    You no more need to keep track of the annual renewals. Get your bike insured for a period of 3 years at once.
  • Year-on-year saving
    The multi-year policy lets you enjoy the benefit of No Claim Bonus (NCB) lock-in, more saving on third party premium.
  • Instant approval
    Get your precious bike insured instantly from the comfort of your home.
  • Hassle-free claim settlement
    Get your claim settled within 24 hours after your vehicle reaches the garage.
  • 24*7 support
    With our dedicated customer support team, you receive assistance round the clock in 10 different languages. Call us on 1800 2700 700 or write an e-mail to and get all your queries resolved.


Know the Essentials Offered by HDFC ERGO for ROYAL ENFIELD Bike Insurance

HDFC ERGO understands that your hard-earned money is used to own that bike. It acknowledges the importance of bike insurance to cover maximum aspects. To give you the best all-around protection for your bike, HDFC ERGO provides bike insurance policies suited best foryour needs. It gives you a comprehensive cover with the following benefits:

  • Own Damage and third party damage cover
    It covers the loss and damages done to your vehicle due to varied factors along with death or injury to any third party.
  • Personal Accident Cover
    Personal accident cover assists in covering medical costs due to the accidental death and total permanent disability of the owner driver of the vehicle. For an extra premium, you may also get another person insured.
  • Add-on covers for extra protection:
    HDFC ERGO offers multiple add-ons like zero depreciation cover and emergency road assistance.


What is covered under HDFC ERGO Bike Insurance for ROYAL ENFIELD?

1. Own damage to the vehicle caused due to

a. Accident by external means
b. Burglary, housebreaking or theft
c. Fire, explosion, self-ignition, lighting
d. Terrorism, riots, strike or malicious act
e. Transit by road, rail, inland waterway, lift
f. Earthquake, flood, storm, landslide, rockslide

2. Personal Accident Cover

a. It takes care of the medical expenses of the owner driver in case of an accident. You may also choose to cover pillion rider by paying an additional premium.

3. Third Party Legal Liability

a. Accidental death or injury to any third party
b. Any damage to property owned by third party

Optional Covers

Choose from a variety of optional covers listed below for ROYAL ENFIELD insurance by paying an additional premium:

1. Electrical / Non Electrical items can be insured separately
2. CNG/LPG kit in bi-fuel system
3. Personal Accident cover for Named / Unnamed Passengers
4. Personal Accident cover for paid driver / employee
5. Legal liability for paid driver in connection with the operation of the insured vehicle

(The above listed optional cover can be opted on paying additional premium)

Add ON Covers

Add-On Insurance Covers for ROYAL ENFIELD

Getting an HDFC ERGO Two-Wheeler Comprehensive Insurance plan is the best gift you can give to your beloved bike. But that’s not all! Upgrade the security by adding add-on covers to your insurance policy. Give your vehicle maximum coverage and maximum protection. Take a look at the varied add-ons available for added safety and enhanced driving experience.

Zero Depreciation Claim

With this add-on, you do not need to pay from your pocket in case of an accident. The HDFC ERGO zero depreciation cover allows you to claim the entire cost of replacing damaged vehicle parts.

Emergency Road Assistance

The next time your bike ditches you at the middle of the road, you need to worry. With this add-on, you enjoy HDFC ERGO’s round the clock services for road assistance. We help you for refueling your bike, towing your vehicle, changing a flat tire, or arranging for a mechanic’s service.

(T&C* Please read the details on territorial scope for emergency assistance)

To read the detailed list of bike add-ons, please Click Here)

(The above listed optional cover can be opted on paying additional premium)


What is not covered under HDFC ERGO Bike Insurance for ROYAL ENFIELD?

1. Mechanical or electrical breakdown, failure
2. Damage due to wear and tear and aging of vehicle
3. Damage by a person driving under the influence of Liquor / Alcohol / Drugs
4. Damage to/by a person driving without a valid license
5. Depreciation
6. Any consequential loss case the Liability of the company shall be limited to 50% of the cost of replacement
7. Loss due to deliberate accident
8. Loss /damage attributable to war/mutiny/nuclear risks
9. Damage to tire and tubes, unless damage due to an accident
10. Loss/damage outside the geographical area

*Please note these are illustrative exclusions. For a detailed informative list, kindly refer the policy wordings.

*This content is descriptive only. Actual coverage is Subject to the language of policy issued.

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Claim process

Everyone thinks that claim process is the most difficult part of an insurance policy. But, that’s not true with HDFC ERGO! With minimum paperwork and simple and quick steps, you may make a claim. You only need to register your claim over the HDFC ERGO Insurance Portfolio Organizer (IPO) mobile app or over the toll-free number, 1800 2 700 700. To know more details, click here.

Renewal Process

Renewing your bike Insurance is quick, easy, and convenient. Click here and enter your policy number. Move to the next page to check the details of the new policy. Make an online payment and complete this hassle-free process.

Buying a ROYAL ENFIELD bike insurance plan from HDFC ERGO is quick, simple, and smooth. So, get the best for your esteemed bike and enjoy all the added benefits as you shelter it with HDFC ERGO

Hi I am DIA, your Digital Insurance Agent from HDFC Ergo, I can help you in the following ways