Hero Splendor Insurance

Name: Hero Splendor Bike Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Thinking of buying a Hero Splendor? You're choosing a bike known for its durability, fuel efficiency, and everyday reliability. But while the Splendor is built to last, unexpected events like accidents, theft, or natural disasters can lead to costly repairs. That’s why securing your investment with a solid insurance plan is just as important as the purchase itself.

IndusInd General Insurance offers specially designed Hero Splendor two-wheeler insurance plans that cater to your riding habits, budget, and protection needs. Whether you’re looking for basic third-party coverage or a comprehensive policy with add-ons like zero depreciation or engine protection, we’ve got you covered.

Enjoy the convenience of buying your policy online in minutes and get up to 80% premium discounts on digital purchases. With fast claim settlements, cashless repairs at thousands of garages, and flexible renewal options, IndusInd ensures your Hero Splendor stays protected wherever the road takes you.

Why US

Why IndusInd Bike Insurance?

IndusInd General Insurance (formerly Reliance General Insurance) provides comprehensive protection for your Hero Splendor along with reliable 24/7 customer assistance and an extensive cashless garage network, ensuring your daily rides stay smooth, safe and stress-free.

Model - Scooter

Up to 5 Years Coverage

Buy once and get covered for 5 years

Get 10 Add-On Covers

Extend your scooter's coverage

Video Claims Feature

File claims on your mobile via our app

Instantly Renew via Mobile

Just tap, pay and renew!

Why do you Need Bike Insurance for your Hero Splendor?

Legal Obligation

Owning a Hero Splendor isn’t enough you must also have valid third-party liability insurance. Under the Motor Vehicles Act, riding without this coverage is against the law. It’s mandatory to protect others from any damage caused by your bike.

Financial Protection

Hero Splendor insurance acts as a safety net, shielding you from unexpected expenses due to accidents, theft, or natural and man-made disasters. It covers both your own bike and third-party liabilities, ensuring you’re financially secure on the road.

Protection Against Unforeseen Risks

Road journeys are unpredictable. Insurance safeguards you from sudden mishaps, whether it’s a collision, damage during transit, or loss due to calamities helping you stay prepared for any situation.

Hassle-Free Ownership

Insurance makes owning and riding your Hero Splendor stress-free. From covering repair costs to handling third-party claims, it ensures you enjoy your bike without worrying about unexpected financial burdens.

Types of Hero Splendor Bike Insurance Plans

Comprehensive Hero Splendor Insurance

This all-in-one plan offers complete protection for your Hero Splendor and covers third-party liabilities. It includes coverage for accidents, theft, fire, and natural or man-made disasters. With the widest range of benefits, comprehensive insurance ensures maximum security for your bike. Long-term policy options are also available for added convenience.

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Third-Party Hero Splendor Insurance

Mandatory under the Motor Vehicles Act, this policy covers financial liabilities if your Hero Splendor causes damage to others. It ensures legal compliance at an affordable cost. Our 5-year long-term third-party plan offers fixed premium rates with no revisions* and requires only a single payment at the time of purchase.

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Short-Term Own Damage Bike Insurance

A short-term SAOD policy is suitable for riders who already have third-party insurance and need temporary protection against bike damage. For example, if your TP coverage remains valid for a few months, you can choose an SAOD plan for the same duration.

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Long-Term Own Damage Bike Insurance

This policy offers financial protection against damages caused by accidents, theft, floods, storms, fire incidents, and other covered risks. It complements your existing third-party bike insurance and can be selected for the same tenure as your TP policy.

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Key Features of Royal Enfield Insurance

Hero Splendor bikes deserve protection that matches their reliability and popularity. That’s why choosing a dedicated insurance plan is essential—offering coverage against accidents, theft, and unexpected damages, along with rider-focused benefits and hassle-free claims designed specifically for Hero Splendor owners.

Key Features	Description
Starting Premiums	From ₹18 per month*
Coverage Offered	Own Damage + Third-Party (Available separately or bundled together)
Discounts	Up to 80%* + Up to 50% No Claim Bonus*
Cashless Claims	Zero upfront payment* (Does not include mandatory deductibles)
Network Garages	11,000+ authorised cashless garages
Claims Process	Quick claims via the app on mobile + 24-hour claim survey* for in-person inspections
Instant Buying/Renewal	Available via the app and our website
Add-Ons Available	10 Add-On Covers Available*
Personal Accident Cover	₹15 lakh PA cover* (optional cover)
24/7 Customer Support	Through phone, WhatsApp and email

Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions & Exclusions

Inclusions and Exclusions of Hero Splendor

Model - Scooter

What's Covered

Accident Damage - Covers your two wheeler's repair costs for damage caused by road accidents, crashes and collisions.

Third-Party Liability - Injury or property damage caused to others.

Natural Disasters - Covers damage due to earthquake, flood, cyclone, lightning and heavy rain.

Theft Protection - Full reimbursement for a stolen vehicle or its parts.

Fire and Explosion - Protection against fire due to electrical faults, fuel leaks or external sources.

Transit Coverage - Protection during vehicle transport by road, rail, air or lift.

Model - Scooter

What's Not Covered

Wear & Tear and Depreciation: We cover all repair costs, except those arising from wear and tear and the natural degradation of parts that occur with regular use.

Accessories: You're fully covered for factory-fitted accessories under the base plan. However, any electrical and non-electrical accessories fitted to your bike after purchase require add-on coverage.

Law Violations and Outside Coverage Zone: You're fully covered for accident-related claims except for ones arising out of law violations or damage occurring to your bike outside of India's borders.

Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.

Need Guidance on Bike Coverage?

Talk to Our Professional Advisors

Call Us

Hero Splendor Bike Insurance Add-ons

Our Hero Splendor insurance add-ons provide additional safety against unexpected expenses and risks. If you ride in accident-prone areas or want to reduce repair costs, these add-ons help you save more over time.

Nil Depreciation

This cover ensures you get the full cost of replaced parts without any depreciation deductions. It guarantees maximum claim amount and complete protection during repairs.

Engine Protect

Adding a child to the family is a joyous occasion for parents. It is also an important milestone for every couple as they get an added responsibility for the child. While pregnancy and childbirth are wonderful experiences, they can prove expensive too.

Consumable Cover

Regular insurance doesn’t pay for essential items like engine oil, nuts, bolts, and brake fluid. This add-on covers all consumable costs during accident-related repairs.

Key Replacement

Lost keys can cause security risks and inconvenience. This cover pays for new keys and lock replacement to keep your Hero Splendor secure.

Helmet Cover

Your helmet can get damaged or stolen during daily rides. This add-on reimburses the cost of replacing your helmet after accidents or theft.

Tyre Protection

Poor road conditions can damage tyres and affect safety. This cover handles tyre repairs, replacement, and wheel balancing costs.

Rim Protector

Accidental rim damage can make your bike unsafe. This add-on pays for rim repair or replacement, labour charges, wheel alignment, and consumables.

Return to Invoice (RTI)

If your Hero Splendor is stolen or completely damaged, this add-on ensures you get the original invoice value, including registration and road tax.

NCB Retention Cover

Making a claim usually removes your No Claim Bonus. This smart add-on lets you claim once a year while keeping your discount benefits intact.

EMI Protection Cover

Extended repairs after major accidents can strain your budget. This cover pays up to 3 EMI installments if your bike stays in the garage for more than 21 days.

Hospital Cash Cover

If you’re hospitalized for over 24 hours due to an accident, this add-on gives you a daily cash allowance. Longer stays mean additional payouts for recovery.

Daily Allowance Cover

When your bike is in the garage for repairs, this add-on provides daily money for alternative transport for over 2 days*

24/7 Bike Assistance

Breakdowns, flat tyres, or lockouts can happen anytime. This add-on offers nationwide roadside assistance and towing services for your Hero Splendor.

Voluntary Deductible Cover

Opting for a voluntary deductible lowers your premium. You agree to pay a fixed amount per claim before insurance covers the rest.

E-Bike Battery Protect

Covers repair or replacement costs for your EV bike’s battery if damaged by power surges, water, or accidents.

Electric Motor Protect

Provides financial support for repairs or replacement of the electric motor, differential, or transmission units in case of water damage or oil leakage.

E-Bike Charger Cover

If your EV charger or its parts get damaged due to fire, flooding, or accidents, this add-on covers repair or replacement costs.

How to Buy and Renew

How to Buy and Renew Hero Splendor

Model - Scooter

Buy Online

Scroll up to the top of this page and enter your details. To get an instant quote, use the calculator below.

If your two wheeler is brand new, click on "Bought a New Bike".

Select your two wheeler make/model and enter your registration and policy details.

Select any add-ons you require, then review the policy details and final price.

Pay online and complete the CKYC with your PAN details to receive your policy.

Model - Scooter

Renew Online

Go to the top of this page and click "Renewal". If you're adding add-ons, you can use the calculator below to check the price.

Enter your mobile number or policy number and click Renew.

Review and modify (if needed) your existing two wheeler policy details.

Make the payment online depending on the price stated

The Hero Splendor policy renewal will be complete

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Factors Affecting Hero Splendor Bike Insurance Premium

Type of Coverage

The premium for your Hero Splendor depends on the coverage you choose. Third-party insurance is the most affordable but doesn’t protect your bike against damage or theft. Comprehensive insurance costs slightly more but offers complete protection against accidents, natural calamities, and theft—giving your Hero Splendor full security.

Anti-Theft Devices

Installing certified anti-theft devices like GPS trackers, alarms, or engine immobilizers can help reduce your premium. These devices make your Hero Splendor more secure and lower theft risk, which insurers reward with discounts. Adding these features not only protects your bike but also saves money on insurance.

Vehicle Modifications

Any modifications to your Hero Splendor—such as engine upgrades, custom paint, or performance enhancements—can increase your premium. These changes raise the bike’s value, and insurers need to know about them. Always disclose modifications honestly, as hiding them could lead to claim rejection.

Make and Model

Your Hero Splendor’s model plays a key role in deciding the premium. Standard models are cheaper to insure compared to high-end or performance bikes, which have higher market value. Bikes with larger engines attract higher premiums due to costly spare parts and repairs. Essentially, the bike you own determines your yearly insurance cost.

Add-On Covers

Add-ons enhance your Hero Splendor insurance by offering extra protection at an additional cost. Popular options include engine protection, zero depreciation, and roadside assistance. These add-ons can save you from major expenses in case of accidental damage. Choose add-ons based on your riding habits and usage.

No Claim Bonus (NCB)

NCB is a reward for not making claims during your policy term. It starts at 20% after the first claim-free year and can go up to 50% after five consecutive years*. This bonus is transferable even if you switch insurers, helping you save significantly on premiums. Avoiding claims whenever possible keeps your insurance costs low.

Disclaimer: The discount percentages mentioned above are subject to change based on the age of the vehicle, vehicle make and model, and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.

How to Claim

How to Claim Hero Splendor ?

How to Claim

Step 1

Notify us about the incident to initiate the cashless claim process. You can register your claim using +91 22 4890 3009 or log into your mobile app account.

Step 2

Visit a network garage for vehicle inspection, damage assessment and repairs evaluation. Find your nearest network garage by using the garage locator below.

Step 3

You could also use the mobile app's video claims feature to conduct a self-inspection. Just tap "Self Inspection" to begin.

Step 4

Submit documents like the claim form, ID proof, insurance and vehicle-related documents (driver's licence, RC book, PUC certificate, etc.).

Step 5

Get repairs done at the network garage and have the expenses covered by us.

Step 1

Notify us immediately after the incident to begin the claim process. You can do this via phone 022-48903009 (Paid) or online on our website.

Step 2

Choose any garage for vehicle repair and retain the original invoice and receipts.

Step 3

Pay for the repair upfront and collect all payment receipts for submission to the insurer.

Step 4

Submit the claim form along with invoices, receipts and necessary supporting documents.

Step 5

Receive reimbursement for the repair costs after claim approval from us.

Please Note: To find the complete list of claims documents you can visit our motor claims page.

Insure the Best Parts of Your Hero Splendor

The Hero Splendor’s engine is the heart of its performance, ensuring efficiency and smooth rides every time. This critical component needs protection against accidents, water damage, and unexpected mechanical issues. The transmission system works alongside the engine for seamless gear shifts and hassle-free riding. An engine protection add-on in your insurance plan saves you from heavy repair bills if these essential parts are damaged. Secure your Splendor’s most valuable components with comprehensive engine coverage.

The Hero Splendor is admired for its sleek design and refined finish that stands out on the road. Its fuel tank, headlamp design, and stylish panels define its classic appeal. These parts can be costly to repair or replace if scratched or damaged in an accident. A comprehensive bike insurance plan ensures coverage for these design elements, so your Splendor always looks as good as new.

Built for everyday performance, the Hero Splendor features strong suspension and reliable tyres for safe handling. However, these parts face constant stress from rough roads, potholes, and long rides, making them prone to wear and tear. Tyre protection and mechanical breakdown covers in your policy safeguard these components from expensive repairs, keeping your Splendor ready for every journey.

Modern Hero Splendor models come equipped with advanced electrical systems, LED lights, and useful accessories for convenience and safety. These features can be expensive to fix if damaged by accidents or harsh weather. Your bike insurance policy covers repairs or replacements for these electrical parts and accessories, ensuring your Splendor stays functional and stylish. Opt for comprehensive coverage to protect every feature that makes your Hero Splendor a trusted companion.

Hero Splendor Bike - Model and Prices

Features	Price
Splendor Plus	₹76,066 (Ex-showroom)
Splendor iSmart 110	₹58,400 (On-road)
Super Splendor	₹51,838 (Ex-showroom)

Disclaimer: The prices mentioned are subject to change based on your city of residence, bike model, variant, year of purchase and the dealership you are buying your scooter from.

Key Takeaways

Buying a Hero Splendor is a smart choice for daily commuting and long-term reliability but protecting it is just as important. As per the Motor Vehicles Act, 1988, every bike owner must have at least third-party insurance to legally ride on Indian roads. Failing to comply can lead to fines up to ₹4,000 or even jail time.

The Hero Splendor may be economical, but unexpected incidents like accidents, theft, or natural disasters can still result in costly repairs. That’s where IndusInd Bike Insurance (formerly Reliance General Insurance) steps in—offering coverage options from basic third-party liability to comprehensive plans with useful add-ons like engine protection and zero depreciation.

You can buy your policy online in minutes, starting at just ₹18/day*. Enjoy cashless repairs at 11,000+ garages, fast claim surveys within 24 hours*, and up to 50% NCB discounts on renewals without claims.

Ride worry-free—choose IndusInd General Insurance for dependable protection every time you hit the road.

Authors - Brand Bike

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Bike insurance starting at just ₹18 per month*

Secure Your Hero Splendor in Minutes!

Fast online processes mean zero delays in emergencies. Plus, our 24/7 support team ensures complete peace of mind!

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

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4.9 ★ ★ ★ ★ ★ (52)

Murali Krishna Alla

West Godavari

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Kunta Naveen

Vizianagaram

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

Viral Kumarvinu Bhai Patel

Vadodara

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. I'm happy with how everything went and feel secure with my policy.

Kuldeep Singh

Shahjahanpur

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. I felt that my protection needs were well addressed with this policy.

Sandeep Kumar

Raichur

Quick policy issuance

Buying a Bike policy through the platform from Reliance (now IndusInd) was straightforward and quick. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons.

Palepuni Raja

Nizamabad

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Harish S

Nilgiris

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Aravinthsarathy B

Nagapattinam

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Dhananjay Nair

Kanyakumari

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Rosan Patel

Jharsuguda

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Surendra Kumar Sain

Jhansi

4.5

Value for money

I recently purchased my Bike insurance and found the experience very smooth. I'm happy with how everything went, product offering is fine.

Kulamatiadi Venkat Rama Appa Rao

Hyderabad

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From start to finish, the process of getting my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras.

Uma Devirallabandi

Hyderabad

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I had a positive overall experience while applying for Bike insurance. The coverage provided matches my expectations and feels comprehensive.

Raj Kumar Goudburu

Hyderabad

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Vijay Maken

Gurgaon

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Manish Kumar Yadav

Gonda

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Arun Jain

Faridabad

Quick policy issuance

I recently purchased my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. The convenience and clarity made this a good experience.

Sandip Chandrakant Mali

Dhule

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From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Jashobanta Parida

Dhenkanal

Quick policy issuance

The journey of purchasing Bike insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Subrata Kumarsahani

Cuttack

Quick policy issuance

Buying a Bike policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Janet Joshikad

Coimbatore

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. The plan offered exactly the type of coverage I was expecting.

Sathiamourthy Priya

Coimbatore

Seamless digital experience

The journey of purchasing Bike insurance felt effortless and user-friendly. The policy coverage and offerings do not match my requirements.

Hiren Kumar Raju Bhai Tailor

Bharuch

Quick policy issuance

I had a positive overall experience while applying for Bike insurance Reliance Insurance (now IndusInd Insurance). The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras.

Abhishek Neelakantachar

Bengaluru

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Guru Nathakooni

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance was convenient. It met my requirements well and felt tailored to my needs.

Aniket Rai

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Aneesh Krishnan Nair

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance (now IndusInd Insurance) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Madhava Rao Nagesh Rao

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Vinita Jain

Ahmedabad

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Rupesh Pandurang Khamgaonkar

THANE

Seamless digital experience

Getting my IndusInd two-wheeler insurance policy online was a breeze with a quick step-by-step guide to take me through the process.

Mr Javed Khan Maheboob Khan Pathan

NILANGA

Value for money

My bike is used only for nearby rides, so I wanted simple protection at a sensible price. The plan matched that without feeling costly.

Hemanth Kumar

MAGADI

Easy application

I wanted my RC and insurance papers together on my phone. After finishing the form, I downloaded the copy and saved it with my vehicle documents.

Manoj Kumar Modi

ANGUL

Seamless digital experience

I remembered the scooter renewal after dinner and finished it from home. The steps were short, and the document was ready without any delay.

Sanjaykumar Rajkumar Menase

AKKALKOT

Quick policy issuance

My two-wheeler insurance policy was issued instantly after payment completion.

Vikas Savlani

DAMOH

Easy application

Had a very smooth experience applying for the policy online.

Himanshu Kumar

CHANDI

Easy application

I was a little unsure while entering the registration number, but the steps were simple. I filled it carefully and got the insurance copy soon after.

Govindji Turam Suthar

MUMBAI

Quick policy issuance

I wanted all my bike papers updated before the month-end. I renewed online and downloaded the insurance copy right away.

Satinder Singh

GURGAON

Seamless digital experience

I usually delay insurance work because it feels boring, but this was not confusing. I followed the steps slowly and finished it myself.

Manoj Hirabhai Chudasama

BHAVNAGAR

Easy application

I compared options for my scooter and chose one that did not add things I would never use. The amount felt right for daily local travel.

Nagavenkata Basava Subbareddyped

TIRUMALAGIRI

Easy application

I renewed my two-wheeler insurance during a small break at work. Everything opened properly on my phone, and I did not need to call anyone.

Bonkanpally Raghupathi

NIZAMABAD

Value for money

My scooter is used mostly for quick nearby work, so I wanted the insurance done without much effort. The form was short, and I was able to complete it easily on my phone.

Deepa R

COIMBATORE SOUTH

Quick Policy Issuance

I had taken a second-hand scooter and wanted the insurance sorted properly. The steps were clear, and I could update the details without getting stuck.

S M Karunya Krishna

CHITTOOR

Quick Policy Issuance

I realised my bike insurance had expired while keeping my vehicle papers ready. I renewed it online and got the copy within minutes.

Shivappa Nayakar

BANGALORE NORTH

Quick Policy Issuance

I had to go out urgently and wanted to be sure my bike insurance was active. The message came soon after payment, which gave me peace of mind.

Vimala V

PUZHITHIVAKKAM

Seamless Digital Experience

Our scooter is used by everyone at home for small work nearby. I wanted the insurance active, and the online process was quick enough to finish from home.

Payal Priyadarshani Nath

HYDERABAD

Quick Policy Issuance

I remembered my bike insurance renewal while I was outside. I completed it on my phone and saved the document before riding back.

Murthy Lakshminarasimha Dasari

RAJENDRANAGAR

Seamless digital experience

I forgot about the renewal till the last day. I completed it in the evening and got the policy message quickly, so I could ride the next morning.

Kiran Tanguturi Kumar

PRODDATUR

Value for money

My bike is mainly for office and small errands. I didn't want a heavy premium, and the cover felt enough for my daily riding.

Ramesh Kumar Ramjas Shukla

MUMBAI

Quick policy issuance

I didn't have all my documents handy, but the form only required basic bike details, which made it easy to complete.

Diddi Ramesh

HYDERABAD

Easy application

I don't ride long distances, so I wanted a normal plan for city use. The price felt reasonable for the kind of protection I needed.

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Frequently Asked Questions (FAQs)

Can I take Hero Splendor for uphill riding?

No, the Hero Splendor is not an ideal choice for uphill riding since it comes with a 97.2 cc engine. The engine lacks the necessary power and performance required for uphill riding. For a smooth uphill riding experience, bikes with powerful engines are a good choice.

Can I file for reimbursement if I do not have the original bike repair bills?

When filing a reimbursement claim under a bike insurance plan, policyholders must submit the original repair bills and invoices. This is important for insurance providers to verify the repair cost and decide the compensation amount. Without original bills, claim requests can be rejected.

Can I change my bike insurance coverage at the time of renewal?

Yes, you can change your bike insurance coverage at the time of renewal. This gives you the flexibility to upgrade from a third-party plan to a comprehensive one, or even downgrade if you only want basic liability cover. You can also add or remove optional covers like roadside assistance, zero depreciation or helmet protection based on your needs.

Is a police FIR report mandatory at the time of a stolen bike insurance claim?

Yes, a police FIR is mandatory when you file a stolen bike insurance claim. Since theft is a criminal offence, insurers require a copy of the FIR as proof that the incident has been reported to the police.