✓No Inspection Policy Issuance ✓24x7 Assistance ✓Quick Claim Processing | Buy a Bike Insurance Plan Starting at ₹538/year* Check Plans

The risks of road accidents are ever present for vehicle owners. The risk multiplies four folds when it comes to motorcycles exposed to various hazards on public roads. Such a risk could lead to accidents that may cause physical injury, damages or losses to the vehicle's owner or a third party. During such an unanticipated instance, repairing and replacing certain components of your bike will alone cost ₹40,000 at the least, and hence you should purchase a bike insurance policy. Bearing such losses can disrupt your financial goals drastically. Thus, allowing an insurance company to take care of unforeseen expenses is always a smart move.

Types of Royal Enfield Insurance Plans

1. Third-Party Bike Insurance

Third-party bike insurance is compulsory for all owners of two-wheelers that ply on Indian roads. With this plan, you are protected from paying a fine or from imprisonment. It also protects third-party liabilities of up to a certain predetermined amount.

2. Comprehensive Bike Insurance

A comprehensive bike insurance cover provides the benefits of both standalone and third-party bike insurance policy covers. This plan can also have add-ons that enhance the coverage of your policy.

How to Buy Royal Enfield Insurance Instantly

You can follow the below steps to get Royal Enfield two-wheeler insurance.

  • Step 1: Visit the 'Bike Insurance Premium Calculator' page on Bajaj Markets

  • Step 2: Enter necessary details such as your bike registration number and your phone number. If you don’t have a registration number, you must enter the RTO location, bike model, manufacturing year, and vehicle registration date.

  • Step 3: You will receive a policy quote instantly.

  • Step 4: Proceed to make the payment online if satisfied with the quote.

  • Step 5: Your bike insurance policy shall be shared with you on your registered email address once the payment is made.

Popular Royal Enfield Models and Insurance Price

Popular Models

Ex-Showroom Price*

Fuel Type

Estimated Third-party Premium~

FY 2022-23

(effective 1st June 2022)

Royal Enfield Classic 350

₹1.87 - 2.18 Lakhs


₹ 1366

Royal Enfield Bullet 350

₹1.45 - 1.60 Lakhs*


₹ 1366

Royal Enfield Himalayan

₹2.14 - 2.22 Lakhs*


₹ 2804

Royal Enfield Thunderbird 350X

₹1.63-1.64 Lakhs*


₹ 1366

Royal Enfield Interceptor 650

₹2.58 - 3.10 Lakhs*


₹ 2804

Royal Enfield Classic 500

₹1.79-2.16 Lakhs*


₹ 2804

Royal Enfield Continental GT 650

₹3.02 - 3.26 Lakhs*


₹ 2804

*The ex-showroom prices are for Delhi and are subject to change based on the city.


~Third-party premium rates are indicative. The actual premium that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your bike insurance policy.

Royal Enfield Insurance: Inclusions and Exclusions

The following table highlights Royal Enfield Insurance’s inclusions and exclusions. 



Damages caused by natural disasters such as hurricanes, floods, landslides, storms and earthquakes will be covered. 

Electrical and mechanical breakdowns will not be covered. Damages caused by normal wear and tear will also not be covered. 

Injuries while driving, getting on or off your vehicle will be covered. 

Damages caused when driving the vehicle while under the influence of substances will not be covered. 

Man-made disasters such as riots, thefts, vandalism, etc will be covered. 

Any damages caused while taking part in illegal activities will not be covered. 

If your bike is involved in an accident that endangers third-party persons or property, your insurer will cover it. 

Coverage will not be extended if your vehicle is not stolen but some accessories are stolen due to housebreaking or burglary. 

Add-On Covers for Your Royal Enfield Bike Insurance

  • Personal accident cover

The treatment of any injuries inflicted upon the owner and the pillion rider due to an accident can be covered using personal accident cover.

  • Zero-depreciation

Zero depreciation cover in bike insurance doesn't deduct the depreciation value of the bike while settling the claim. Hence, it is a must-have!

  • Round-the-clock spot assistance

With round-the-clock spot assistance cover, avail 24x7 assistance in case of a sudden breakdown of your vehicle.

  • Return to invoice

Return to invoice cover offers the full purchase value of your bike in case of total loss.

How to Reduce the Insurance Premium for Royal Enfield

Mentioned below are some of the important tips that will help you reduce the insurance premium for your Royal Enfield.

1. No Claim Bonus

By not making any claims throughout your policy period, you can avail of the NCB benefit.

2. Compare Different Quotes

You can opt for a suitable insurance plan by comparing quotes from different insurance providers and thereby reducing the premium price.

3. Take Care of Small Claims

Your insurance premium can be lowered by taking care of small expenses out of your pocket and not adding them to your insurance plan.

4. Cautious Riding

You should always ensure that you drive your Royal Enfield by following all rules and regulations of traffic. This helps in avoiding mishaps and thereby leads to minimal claims.

Claim Process of your Royal Enfield Bike Insurance

Here are the documents that should be kept handy while filing Royal Enfield insurance claims.

  • Form of bike insurance claim

  • Copy of a police report

  • Details of the incident

  • Copy of RC Repair Estimate

  • Driving Licence

There are two ways in which Royal Enfield insurance can be claimed.

  • Cashless Claim for Royal Enfield Insurance

You must take your bike to a network garage authorised by your insurer to avail cashless claim. The bill will then be settled by the garage and the insurance provider.

  • Reimbursement Claim for Royal Enfield Insurance

In case of reimbursement claims, you can take your bike to a preferred garage, i.e. it doesn't necessarily have to be associated with your insurer. However, you will have to make the payment and later file a reimbursement claim.

Read More

How to Renew Your Royal Enfield Insurance

Follow the steps below to renew your Royal Enfield bike insurance.

  • Step 1: Visit the ‘Bike insurance renewal’ page of an insurance provider’s website.

  • Step 2: Fill in the information from your prior insurance policy.

  • Step 3: Enter your Royal Enfield insurance renewal information as well as any personal information.

  • Step 4: The screen will display any changes to the premiums, including the Royal Enfield insurance renewal price.

  • Step 5: Make your Royal Enfield insurance amount payment online and download a copy of your policy document.

To Conclude

Every Royal Enfield owner feels a deep love for their bike! This drives them to take good care of it. So, assuming you, too, love this bike, it is best to insure it because a single scratch to the Enfield could be heartbreaking. We recommend you to visit our ‘Bike Insurance Calculator’ page and fetch details such as different types of policies and their prices. At Bajaj Markets, we offer a range of the best insurance for Royal Enfield motorcycles. So, buy our bike insurance cover to enjoy maximum coverage, feasible premium rates, and an easy claim process.

FAQs on Royal Enfield Insurance

Which insurance policy is best for Royal Enfield?

There is no official insurance company that works with Royal Enfield. To keep your bikes protected, multiple companies offer insurance coverage for complete protection.  

What is the mileage of Royal Enfield Bikes?

Some Royal Enfield bikes even offer a mileage of over 50 kmpl.

Do Royal Enfield Bikes have ABS or not?

Yes. Single Channel ABS is available on Royal Enfield Bikes.

What kind of insurance plans are available for Royal Enfield bikes?

Broadly, there are three types of insurance plans available for Royal Enfield bikes. These are comprehensive bike insurance plans, third-party insurance plans and own-damage cover. 

How to claim insurance for Royal Enfield bikes?

You can raise a claim by getting in touch with your insurer. You can get started by giving them a call or sending an email. 

Are there any discounts available on Royal Enfield bike insurance plans?

Yes, you can get up to a 50% discount on the renewal of your Royal Enfield bike insurance through NCBs. No-claim bonuses can be accumulated by filing zero claims for 2 to 5 consecutive years.

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