Royal Enfield is an Indian motorcycle company that has been making classic motorcycle models since 1955. It is one of the oldest bike-manufacturing companies, which is still active and has been coming up with amazing bikes each year. One of the best bikes that the company has released is the Royal Enfield Himalayan, which is most preferred for hilly regions. It is a perfect blend of dirt bikes and Royal Enfield’s classic trademark touch.
But before you go on a trip with this sturdy bike, you need to ensure that your Royal Enfield Himalayan two-wheeler insurance policy is in place. As per the Motor Vehicles Act of 1988, car/bike owners need to have third-party insurance policies in order to drive or ride their cars and bikes. IFFCO-Tokio can help you get your bike insurance policies in order to get complete coverage.
When you are getting a Royal Enfield Himalayan bike insurance policy, you can either choose a third-party Royal Enfield Himalayan insurance policy or a comprehensive Royal Enfield Himalayan bike insurance policy. The former is mandated, but you can go for the latter if you want better coverage with more add-ons.
Driving in India can be a bit difficult given the traffic on the roads. You may be confident of your driving skills, but you cannot say the same for everyone around you. This can sometimes lead to mishaps, Royal Enfield Himalayan insurance policy from IFFCO-Tokio will keep you financially covered and relaxed.
If you choose the Royal Enfield third-party bike insurance policy, you will be covered for your liabilities towards the third party. However, if you purchase the Royal Enfield Himalayan comprehensive bike insurance policy, then you will get a comprehensive cover. It means that you will not only be covered for your third-party liabilities but also for the damage that has occurred to your vehicle.
When it comes to your bike insurance policy, only a third-party Royal Enfield Himalayan insurance policy is mandatory. However, there are many who prefer to go for a Royal Enfield Himalayan comprehensive policy since these policies offer much more coverage.
To buy a Royal Enfield Himalayan bike insurance policy, You can also go to our official website and get a Royal Enfield Himalayan insurance for yourself.
Here are two methods to buy a Royal Enfield Himalayan insurance policy from IFFCO-Tokio:
You can visit any of our IFFCO-Tokio offices where one of our bike insurance executives will guide you through the process and help you come up with the best Royal Enfield Himalayan insurance policy for you.
You can also visit our official website and get a Royal Enfield Himalayan bike insurance policy for yourself. You just need to follow 3 easy steps:
Fill in your basic details that are required. Your basic bike details will also be required.
In step two, you will have to choose a Royal Enfield Himalayan insurance policy that suits you the best. You can also consider our add-ons to make your plan better.
After you complete the above-mentioned steps, you can make the payment on our site. Then simply wait for the Royal Enfield Himalayan insurance policy to be delivered to your inbox.
If you buy a Royal Enfield Himalayan bike insurance policy online, you will enjoy the following benefits:
You can complete the entire process with just a few clicks
You can purchase a Royal Enfield Himalayan insurance policy as per your own timings.
You can receive the Royal Enfield Himalayan two-wheeler insurance policy over an email. There’s no need to keep a paper trail.
This would depend on whether you go for a third-party Royal Enfield Himalayan insurance policy or a comprehensive Royal Enfield Himalayan bike insurance policy.
Here are some recommended add-ons that can widen the coverage of your Royal Enfield bike insurance policy.
Zero-depreciation cover pays the entire claim amount without deducting depreciation value at the time of settling the claim.
This add-on keeps your no claim bonus safe even if you made a claim in the previous year.
If your vehicle is deemed a total loss, the add-on cover helps you get the original invoice price of the vehicle, including road tax and registration charges.
These are some of the standard exclusions of a bike insurance policy in India.
Types of bike insurance we provide:
Third-party Royal Enfield Himalayan two-wheeler insurance policy only covers any damage to a third party, including death, bodily harm, injury, and damage to a property in case of an accident or collision involving your bike.
Comprehensive Royal Enfield Himalayan two-wheeler insurance policy covers both third-party liabilities as well as own damage to your bike. It also covers both natural and man-made calamities. These comprehensive Royal Enfield Himalayan two-wheeler insurance plans also allow you to include add-ons for a wider coverage!
You can also include the zero-depreciation cover to your comprehensive Royal Enfield Himalayan two-wheeler insurance policy. This will ensure that in case of an accident, you get complete reimbursement for part replacements without any deduction for depreciation. Great, isn’t it?
You should be aware of the following bike insurance terms before you buy the Royal Enfield Himalayan two-wheeler insurance policy.
Premium is the amount you have to pay to enjoy bike insurance coverage. It is usually payable annually,except for the case of long-term Royal Enfield Himalayan two-wheeler insurance plans,where it is usually paid once every 3 years.
The financial protection provided by your Royal Enfield Himalayan two-wheeler insurance policy is known as coverage. The coverage of a bike insurance policy will vary based on the insurance provider and the type of Royal Enfield Himalayan two-wheeler insurance plan you purchase.
Add-ons are extra amounts of financial protection that you can purchase to widen the coverage of your Royal Enfield Himalayan two-wheeler insurance policy.
IDV stands for Insured Declared Value. It is the listing price of your bike minus depreciation. In case of a total loss or theft of your bike, IDV is the maximum compensation your insurance provider will offer.
NCB is a discount you get when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year. You can avail a maximum discount of 50% year after year for not making any claims against your Royal Enfield Himalayan insurance plan.
It’s simple! Just use our bike insurance premium calculator. This online tool allows you to check the premium of your Royal Enfield Himalayan two-wheeler insurance policy using some very basic information. To calculate the premium, you must provide the following details:
Our bike and scooter insurance plans are like an extension of your protective gear. They keep you safe, wherever the road might take you! From the headlight to the tail-lamp, we’ve got you covered!
We use innovation and technology to provide you with quicker and more convenient insurance solutions. For example, your policy can be issued instantly through our distribution channels. You can also use our QCS (Quick Claim Settlement) App to accelerate your claim process and get up to Rs. 20,000 transferred to your bank account within a few minutes - all with just a few clicks on your smartphone.
With close to 20 years of experience in the insurance industry, we have settled more than 8 lakh claims (in FY19) with a settlement ratio of 95.80% (in FY21). This is just one of the reasons why 1,00,000+ individuals entrust us for their bike insurance needs.
4300+ Network Garages
We provide cashless services in more than 4300 garages, which are evenly spread across the country.
Quick Claim Settlement
We offer a QCS facility under which bike insurance claims get settled seamlessly within minutes.
Trusted Brand
For 20 years, we have been servicing our customers with a wide range of insurance policies.
Claims Experience
We’ve settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 95.80%(FY21).
Award Winning Protection
IFFCO-Tokio won the 2019 IDC Digital Transformer Award for India for AI-based claim assessment of damaged vehicles. We have also won the BFSI Digital Innovation Award by Express Computers, Indian Express Group, as well as the Digital Insurer of the Year 2019 by Insurance Asia News Awards for Excellence.
Wide Network of Branches
Our policies can be brought from more than 20,000 agents and branches having a wide presence throughout the country.
