Royal Enfield Interceptor 650 Insurance

The Royal Enfield Interceptor 650 is a winner, thanks to the numerous awards. Since its launch, it has grabbed the eyeballs of bikers and enthusiasts of all ages. Premium parts and accessories such as cast alloy wheels and switch cubes, along with its heavy road presence and a powerful twin-cylinder engine, make it a lucrative choice. However, unforeseen accidents can damage these components and also cause financial losses to repair them. Hence, it is best to have comprehensive insurance to stay protected at all times. Here is all that you should know about Royal Enfield Interceptor 650 insurance.

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Popular Royal Enfield Interceptor 650 Variants with Insurance Premium

You can now secure any variant of your bike with Royal Enfield Interceptor 650 insurance. Here is the estimated Royal Enfield Interceptor 650 bike insurance price (1+5 bundle policy) for each Royal Enfield Interceptor 650 variant, and the cost of a zero-depreciation add-on for different variants is listed below:

Royal Enfield Interceptor 650 Variant	Zero Dep Cover (Add-on cover)	Estimated Royal Enfield Interceptor 650 Bike Insurance Price (1+5)
Royal Enfield Interceptor Cali Green	Rs 240	Rs 15,399
Royal Enfield Interceptor Chrome	Rs 240	Rs 15,399
Royal Enfield Interceptor Custom	Rs 240	Rs 15,399
Royal Enfield Interceptor STD	Rs 240	Rs 15,399

*Disclaimer: The information in the table above is for reference purposes only. The Royal Enfield Interceptor 650 insurance renewal price will change based on factors such as registration, location, IDV, and other add-ons.

Reasons to Buy a Royal Enfield Interceptor 650 Insurance Online from Policybazaar.com

Getting a new policy or renewing an existing one is extremely simple with Policybazaar.com, one of the most reliable online platforms for insurance. Here are the benefits that you can avail of by buying/renewing an insurance policy online:

24/7 Roadside Assistance: Whether your vehicle breaks down due to concerns such as engine trouble, a flat tyre, or empty fuel, help will be dispatched to your exact location.
No Claim Bonus (NCB): Get premium discounts while renewing if you do not claim in a year with a No Claim Bonus.
Hassle-free Repairs: You can avail of cashless repairs at a networked garage without upfront payments.
Round-the-clock Customer Support: You can call 1800-258-5970 to get assistance concerning queries or claim support 24/7.
Claim Assistance: You will get complete assistance for cashless and reimbursement claims from claim intimation to settlement.
Comprehensive Coverage: You can avail yourself of financial protection against damage to third-party persons or property and your own damage.

Coverage Under Royal Enfield Interceptor 650 Insurance

Royal Enfield Interceptor 650 insurance provides coverage in a wide range of situations; however, some situations fall outside the scope of insurance. Here is the breakdown of all the inclusions and exclusions in two-wheeler insurance.

Inclusions
Exclusions

Here is what bike insurance covers:

If the bike is damaged while in transit via air, road, rail, or water, it is covered.
Compensation is provided if the vehicle is stolen or declared as a total loss due to an accident or theft.
The policy covers damages resulting from natural disasters, including floods, storms, and earthquakes.
Damage from accidents or collisions is covered.
Bodily injury, death, or property damage of a third party is covered.
Fire-related damage, including explosions or engine fire, is covered.
Damages due to vandalism, riots, or public disturbances are also covered.

Here is what will not be covered by bike insurance:

Damage to the bike due to war, invasion, or any other similar activity is not covered.
Repairs for worn-out parts or damage from everyday usage or ageing are not covered.
If the rider is found to be under the influence of drugs/alcohol, the claim will not be honoured.
Any mechanical or electrical malfunction is excluded from the insurance coverage unless it results from an accident.
If damage to the bike happens outside of the specified geographical area, it will not be covered.
The absence of necessary documents, such as a driving licence, RC, or an insurance policy, can lead to the rejection of claims.
Unless an accident causes damage to the tyres and tubes, it will not be covered.

Disclaimer: Inclusions and exclusions for the Royal Enfield Interceptor 650 insurance renewal may vary slightly from one insurer to another. Hence, ensure that you carefully understand the coverage under a policy.

Royal Enfield Interceptor 650 Insurance Add-ons

The Royal Enfield Interceptor 650 is a premium bike, and adding optional add-ons can offer a well-rounded layer of protection. Below are a few add-ons for an insurance policy that can be quite beneficial:

Roadside Assistance Cover: This add-on is ideal for a long-distance rider. If you get stuck on the road due to battery issues, engine breakdown, or low fuel, having this add-on ensures that assistance is sent to your location.
Zero Depreciation Cover: The repair and replacement of parts of your Royal Enfield Interceptor 650 can be expensive. If you have this add-on, the insurer will pay for the repair and replacement of various parts without deducting depreciation.
Accessories Cover: If you have this add-on, different electronic and non-electronic accessories will be covered if they get damaged due to an accident.
NCB Protect Cover: Claim-free years can earn you a No Claim Bonus (NCB), which will further help you avail yourself of premium discounts. However, if you file a claim, the NCB returns to zero. However, this add-on ensures that the NCB remains intact even when a claim is made.

Add-ons for your two wheeler insurance

How to Buy or Renew Royal Enfield Interceptor 650 Insurance Online?

Now, you can buy or renew a Royal Enfield Interceptor 650 insurance with Policybazaar.com. Below are the steps that you can follow to get bike insurance online:

Step 1: Visit Policybazaar.com and click 'Bike Insurance' under the 'Insurance Products' section.
Step 2: If you want insurance for a new bike, click on the 'Bought a New Bike' option. To get a policy renewed, enter your Royal Enfield Interceptor 650's registration number and then click on the 'View Prices' option.
Step 3: Provide necessary details.
Step 4: Select between third-party or comprehensive bike insurance options as per your preference.
Step 5: Add optional covers such as Zero Dep Cover or Engine Protect Cover.
Step 6: Compare Royal Enfield Interceptor 650 insurance plans and choose the one you wish to proceed with.
Step 7: Complete the payment.
Step 8: The policy will be shared once the payment is complete.

How to Claim Insurance for a Royal Enfield Interceptor 650 Online?

There are two ways to file a claim under your Royal Enfield Interceptor 650 insurance. Both methods are explained below:

Cashless Claims Settlement

Follow the steps below to file a cashless claim under your two-wheeler insurance:

Step 1: Inform the insurance company about the claim under your Royal Enfield Interceptor 650 insurance.
Step 2: To inspect the damages, a surveyor is appointed to create an evaluation report and hand it over to the insurer.
Step 3: After the insurer is done with the verification of the evaluation report, they will ask you to get your bike to the nearest network garage for repairs.
Step 4: The bill will be settled directly by the insurance company.

Reimbursement Claims Settlement

For a claim under your Royal Enfield Interceptor 650 insurance via the reimbursement process, follow the steps listed below:

Step 1: Inform the insurance company about the incident by calling them.
Step 2: A surveyor is appointed by the insurance company to assess the damage to the bike.
Step 3: After the damage assessment is complete, the report is handed over to the insurer.
Step 4: You can then submit the claim form and all required documents.
Step 5: Once approval is received, you must get your bike repaired at a garage of your choice.
Step 6: Pay for the repairs from your pocket.
Step 7: Per the terms and conditions, the claim amount will be reimbursed to you according to the timeline shared by the insurer.

Documents Required for Royal Enfield Interceptor 650 Insurance Claims

To complete the Royal Enfield Interceptor 650 insurance claim, submitting the below-mentioned documents is necessary:

Claim form (Duly filled and signed)
Valid DL
Vehicle RC
Estimates about the repairs
Invoices
Payment receipts
FIR (if applicable)
KYC documents for damages costing more than Rs 1 lakh.

Additional Documents Required for Royal Enfield Interceptor 650 Theft Claims

Original policy documents
RTO declaration mentioning that the insured Royal Enfield Interceptor 650 is 'No Use'.
Bike keys
Registration Certificate
Non-Traceable Report.
Invoices
Police FIR
A NOC from the financier.
Letter of Subrogation.

Royal Enfield Interceptor 650 Insurance – FAQs

Q 1: Is it mandatory to have insurance for my Royal Enfield Interceptor 650?

Ans: Yes, as per the Motor Vehicle Act 1988, you are required to have at least third-party insurance for your bike.
Q 2: Is it necessary to declare additional modifications done to the bike at the time of getting insurance?

Ans: Yes, it is mandatory to declare any modifications made to your bike.
Q 3: Can I take more than one add-on in an insurance policy?

Ans: Yes, for broader protection, you can take more than one add-on.
Q 4: Will the insurance be affected if I lend my bike to someone else?

Ans: The insurance is valid as long as the rider has a valid driving licence and is not under the influence of drugs or alcohol.

Written By: PolicyBazaar

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in