Reliance Comprehensive Bike Insurance Policy

As per the Motor Vehicles Act, 1988, a third-party insurance policy is mandatory for all two-wheelers plying on Indian roads. Rather than fulfilling the statutory legal requirement by the third-party insurance policy only, the Reliance General Comprehensive Bike Insurance Policy provides various benefits and features.

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Reliance Third Party Bike Insurance vs. Comprehensive Bike Insurance

The difference between comprehensive and third-party two-wheeler insurance is given below:


Comprehensive Bike Insurance

Third-party Bike Insurance


Third-party liability plus own damage cover

Limited only to third-party legal and financial liability cover  

Add-on Facility

4 add-on covers are available

Not available

Premium Cost

Comparatively Higher

Lower due to limited coverage

Personal Accident Cover

Compulsory as per the IRDAI guidelines up to Rs 15 Lakh

Compulsory under the IRDAI guidelines for Rs.15 Lac

Legal Status



What is covered under the Reliance General Comprehensive Bike Insurance Plan?

Comprehensive Bike Insurance Policy by Reliance General Insurance Company covers the following expense during the policy term:

  • Third-Party Liability Cover: It fulfils the statutory legal requirement. The policy financially protects the insured two-wheeler from third-party bodily injuries, death cover, permanent disability, and property damage cover up to Rs 1 lakh,
  • Own Damage Cover:
  • Protection against theft and burglary apart from several malicious human acts like riots, arson, vandalism, strikes, terrorism, etc., to name a few.
  • Protection against a vast range of natural calamities like earthquakes, floods, and cyclones, among others.
  • Personal Accident: The owner-driver is covered for Rs 15 Lakh in case of accidental death and permanent disabilities due to a road mishap

Reliance General Comprehensive Bike Insurance Benefits

The Reliance General Comprehensive Bike Insurance Policy comes with several benefits for its extensive coverage. Some of the significant benefits are:

  • Provides the requisite legal and financial backup for any damage or loss caused to the vehicle and a third-party
  • By choosing from an array of add-on options, the policyholder can further enhance the policy coverage
  • The policyholder is rewarded with a No-Claim Bonus for every claim-free year for redemption at renewal. It ranges from 5% to 50%
  • The policyholder is assured of a seamless claim experience through a responsive and robust claim settlement mechanism
  • Easy video claims facility is available for the policyholders

What Is Not Covered Under Reliance General Comprehensive Bike Insurance?

Some of the common exclusions under the policy are given below:

  • Wear and Tear: Every two-wheeler suffers regular wear and tear with usage. The policy does not cover for such depreciation of parts unless covered by the Zero Depreciation add-on.
  • Illegal Acts: The policy does not cover any claims for damage or loss to the insured two-wheeler caused due to any illegal activity. It may even be riding without a valid driving license.
  • Drink and Drive: Riding under the influence of intoxicants like alcohol and drugs excludes policy coverage.
  • Other Exclusions: The policy does not cover mechanical and electrical failure. The exclusions also extend to driving beyond India’s geographical boundaries.


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 62 Reviews)

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Reliance Comprehensive Bike Insurance Policy Reviews & Ratings

4.8 / 5 (Based on 62 Reviews)
(Showing Newest 10 reviews)
Jodhpur, October 09, 2021
Complete support
Recently I have insured my newly bought bike which was gifted to me by my brother. I went to the policybazaar for a bike policy and an executive helped me through the whole process. He provided me complete support and assistance. I took Reliance General plan according to my budget.
Vijayawada, October 09, 2021
Attractive features
I have taken the same plan which my friend has bought for himself. one of my friends has recently insured his bike from Policybazaar and i really liked the features that were provided to him in reliance general plan so I have bought the same plan for my bike.
Coimbatore, October 09, 2021
Good service
I always renew my policy on time because of Policybazaar. I have been using Oriental Two Wheeler Insurance for four years and I always get policy renewal notification. If I ever forget about the renewal I get calls as a reminder of the renewal.
Jabalpur, October 09, 2021
Cooperative staff
Policybazaar has cooperative and friendly staff. I have bought reliance general two wheeler insurance from here and i found the whole process convenient. now i am looking for more plans as i am impressed with the facilities offered to me.
Gwalior, October 09, 2021
Hassle free experience
I do not need to take tension for unwanted expenses as i have purchased reliance general two wheeler Insurance from Policybazaar. buying a policy from Policybazaar is very hassle free and customer does not need to do much things as Policybazaar handles everything.
Kalyan Dombivli, August 18, 2021
Hassle Free Experience
Randomly i was checking the two wheeler policy on policy bazaar. i liked reliance two wheeler policy then i bought it.i contacted the policy bazaar and agent provided me all the information about the policy in detail.i had a hassle free experience with policy bazaar. company gives 100percent support to their clients from their end.
Rajendra Nagar, June 04, 2021
Affordable and customized
Policybazaar helped me customize my bike insurance plan for a reasonable premium. After comparing benefits, I decided to go for Reliance general two wheeler insurance and also got an extra discount for buying online.
Partapgarh, June 04, 2021
Purchasing Reliance general two wheeler insurance for my newly bought bike was the best decision. I bought it two years ago through policybazaar a day after I bought my bike. The company has helped me with roadside assistance many times since then.
Pune, June 04, 2021
Protection for bike
I bought a protective shield for me, my bike, and third party just in case I need it someday. I made an online purchase through policybazaar where I was able to compare different plans. I finally chose reliance general insurance cover.
N.paravur, March 19, 2021
All kind of Info available
I wanted to purchase a two-wheeler insurance policy for my Royal Enfield which I bought recently. I was suggested by my friend to make the purchase online from policybazaar because they provide all kinds of information related to the policy on their website and I ended up buying the Reliance general two-wheeler insurance plan. Thanks team

^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.

#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*Rs 457/- per annum (1.3/day) is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable on an annual basis