Royal Enfield Guerrilla 450 Bike Insurance

The Royal Enfield Guerrilla 450 is a roadster bike powered by a 452cc, liquid-cooled Sherpa engine, which performs well across rev ranges. It’s designed for an upright riding stance, accessible seat height, and a highly responsive chassis that make it suitable for daily usage. As a modern bike, it offers features like ride-by-wire riding modes, dual-channel ABS and a 4-inch TFT display.

Currently, three variants and eight Royal Enfield Guerrilla 450 colour schemes are available in India. The Apex is the latest and premium variant with Vredestein Centauro ST tyres, new ride modes, a lower handlebar and front and rear cowls. The other two variants are the Flash and the Dash, which are almost identical, but the former is equipped with a Tripper TFT display.

• Powerful Sherpa Engine: The Guerrilla 450 is driven by a 452cc liquid-cooled Sherpa engine capable of generating 40 PS power and 40 Nm torque, making it effective across the rev range. While it’s a powerful 450+cc bike, the Royal Enfield Guerrilla 450 mileage is still respectable at 28-29 kmpl as reported by users.
• Solid Chassis and Suspension: The roadster bike is tough to the core as it’s built with a steel twin-spar tubular frame and the longest wheelbase in this category. It’s built with a bespoke suspension, including 43 mm telescopic front suspension and 140 mm linkage-type Showa suspension.
• Wide Tubeless Tyres: The Guerrilla 450 is equipped with wide 17-inch wheels and scrambler-style, heavily threaded tyres. The wide-profile tubeless tyres provide optimal control and traction at all speeds and in different riding situations.
• Intuitive Ergonomics: The Royal Enfield Guerrilla 450 is designed with most people's needs in mind. It’s a compact bike with a low 780 mm seat height, mid-set footpegs, and an upright stance, making it accessible to most riders.
• Two Ride Modes: The Guerrilla 450 offers two ride configurations- Performance Mode and Eco Mode, which can be switched in seconds due to the highly responsive EMS system. The new Apex variant comes with two new ride modes, namely Sport and Street.
• Tripper TFT Display: As a modern bike, the RE Guerrilla 450 offers easy access to maps, music and messages through its Tripper TFT display. It provides full-screen Google Maps integration and seamless connectivity with a 2.4/5 GHz WiFi5 chipset.

TATA AIG offers several categories of Royal Enfield bike insurance plans for new and existing vehicles, including the following:

Third Party Bike Insurance Plan

TATA AIG’s Third-Party Bike Insurance covers only third-party liabilities, including injuries, property damage and death, as well as legal defence fees. It’s an affordable and basic plan that ensures that the vehicle is road legal. We offer standalone third-party plans with tenures of 3 and 5 years, and bundled packages with 5-year third-party coverage and 1-year own damage coverage.

Own Damage Bike Insurance Plan

Own damage two-wheeler insurance plans cover damage and loss to the insured bike. TATA AIG’s Standalone Own Damage Bike Insurance covers a large number of risks, including accidents, fire, transit damage, natural disasters, manmade acts, and more. Benefits include affordable premiums, discounts and customisability with several add-ons. It’s the perfect choice for those who already have an active third-party plan.

Comprehensive Bike Insurance Plan

A comprehensive bike insurance plan combines the coverage of third-party and own damage plans. TATA AIG’s Comprehensive Bike Insurance covers third-party liabilities alongside accidents, theft, riots, vandalism, floods, earthquakes, and more, with a single premium. It’s a fully customisable plan with access to unique add-ons, a pan-India cashless garage network, and personal accident cover.

• Covers Massive Liabilities: If you accidentally cause an accident, the resulting legal and financial liabilities can deplete your finances, especially if it involves a lengthy legal battle. Bike insurance plans, including third-party and comprehensive plans, cover liabilities and legal expenses.
• Financial Protection Against Damages: Road accidents, fire, floods, earthquakes, heavy snowfall, riots and terrorist attacks can lead to a damaged bike and massive repair bills. When you buy the Guerrilla 450 bike costing around ₹3 lakhs, financial protection with the best bike insurance plan is a necessity to secure your purchase.
• Legally Mandatory Requirement: According to the Motor Vehicles Act, 1988, every two-wheeler is required to have mandatory third-party coverage to drive on Indian public roads. If you want to use your vehicle, you need to have at least third-party coverage. Otherwise, you may have to face serious consequences, like fines and imprisonment.
• Personal Accident Coverage: Death or permanent disability due to a road accident can cause significant distress to surviving family members. To protect your loved ones from financial distress, TATA AIG’s bike insurance plans offer personal accident coverage for medical treatment and fixed compensation for fatalities.

• Affordable Premiums: At TATA AIG, we offer low Royal Enfield Guerrilla 450 insurance costs as low as ₹538 per year. In addition to cost-effective premiums, we offer several discounts, including a No Claim Bonus starting at 20% and online discounts up to 80%. These discounts can stack, leading to big savings.
• All-Inclusive Coverage: Our bike insurance plans offer complete coverage of many potential risks, including accidents, theft, natural disasters, manmade disasters, and others. For total loss or theft, you can get 100% coverage of the invoice costs with special add-ons like zero depreciation and return to invoice cover.
• Fully Tailored Policies: We offer a wide variety of customisation options, including different plans, add-on covers, IDV options and tenures. You can try different options to find out the costs before buying, and include unique add-ons to get the exact coverage you are looking for.
• Fast Digital Processes: Our fast digital processes are designed to match the needs of today’s fast-paced world. We ensure quick and hassle-free verification, requiring only a few basic details and documents. We also make sure to immediately issue your policy and related documents after your purchase.
• Convenient Online Tools: Before you buy a new bike insurance plan from TATA AIG, you can easily compare your options on our website based on benefits, features and costs. You can also use our online calculators to determine accurate premium quotes. These tools let you make an informed decision with complete transparency.

A two-wheeler insurance plan provides financial protection to the vehicle owner by covering financial liabilities, repair costs and replacement for certain risks. Here’s how it works:

Step 1: Finding a Policy

Assess your financial and driving-related needs and shortlist bike insurance plans based on them. Choose a policy to purchase based on your research of the available options.

Step 2: Policy Purchase

Pay the required premium based on your chosen policy terms and complete your purchase. Keep the policy documents secure that you’ve received from us.

Step 3: Filing a Claim

Once your bike is damaged or lost, inform us immediately and file an insurance claim by visiting our claim portal.

Step 4: Claim Settlement

Submit the required documents, including policy documents, bike-related documents and evidence of damage. Then, take your Royal Enfield Guerrilla to a network garage for cashless settlement or to a non-network garage for reimbursement claim if you can’t find a network garage.

Inclusions Under Bike Insurance

• Accidents: Covers accidental damage and loss due to external means.
• Fire: Includes damage due to fire, explosions, lightning and self-ignition.
• Transit Damage: Covers transit-related damage via air, road, rail, and inland waterways.
• Theft: Reimburses the cost of replacement based on the bike’s current market value.
• Natural Calamities: Includes typhoons, hurricanes, storms, floods, hailstorms, frost, landslides, rockslides and other disasters.
• Manmade Disasters: Covers manmade damages from housebreaking, riots, strikes, terrorist attacks and other malicious activities.
• Personal Accident Cover: Provides fixed compensation in the event of the owner-driver’s injury or death.
• Third Party Liabilities: Pays for third-party injuries, property damage and death and resulting legal expenses.

Exclusions Under Bike Insurance

• Intoxicated Driver: Damage or loss that happens when the driver is intoxicated with alcohol or drugs.
• Violation of Traffic Rules: Excludes damages due to actions like not wearing a helmet or not carrying a valid driving license.
• Wear and Tear: Doesn’t cover damage due to depreciation and ageing-related failures, breakages, or electrical/mechanical breakdown.
• Negligence and Dangerous Activities: Damage due to contributory negligence and risky activities like racing, speed tests and reliability tests are not covered.
• Outside Geographical Boundaries: Excludes damages that incurred outside the policy’s geographical limits, i.e., India.

1. Emergency Medical Expenses: This add-on covers medical expenses of both the owner-driver and co-passengers. It reimburses the cost of medical treatment and ambulance charges due to an accident involving the insured bike.

2. Depreciation Allowance: Also called the Zero Depreciation Cover, this add-on lets you get the entire claim amount by offsetting depreciation. It pays for the depreciation deducted from bike parts replaced under an own damage claim.

3. Engine Secure: The Engine Secure pays for repairs and replacement of your bike’s engine parts, gearbox and transmission due to damage from water ingress or oil leakage into the engine. The maximum coverage is limited to the bike’s Insured Declared Value.

4. Additional Personal Accident Cover for Owner-Driver: The Additional Personal Accident Add-On provides extra coverage over the standard limit of bike insurance plans. It covers medical expenses for injuries and pays a predetermined amount for the policyholder’s death.

5. Return to Invoice: With the Return to Invoice Add-On, your bike insurance pays the full purchase price of your two-wheeler as given in its invoice of sale. It covers the difference between the plan’s own damage claim and the bike’s invoice value.

6. Consumable Expenses: The Consumable Cover pays for consumables used to repair the insured vehicle due to an accident. The covered items include distilled water, washers, clips, screws, nuts, bolts, air conditioning gas, engine oil, gearbox oil, etc.

7. Roadside Assistance: The Roadside Assistance Cover provides 24/7 emergency breakdown services and repairs wherever your vehicle is disabled. It covers issues like flat tyres, empty fuel tanks, dead batteries, and mechanical problems.

8. Tyre and Rim Secure: This add-on covers the cost of repairing or replacing bike tyres, tubes and wheel rims due to accidents and rough road conditions. The benefits cover up to two tyre and rim replacements.

Disclaimer: The above list is not exhaustive, and the add-ons are subject to our terms and conditions. Ensure to check the Policy Wording document for more details.

• Insured Declared Value: IDV in bike insurance is the maximum amount covered by an insurer if your bike is stolen or damaged beyond repair. Since it directly correlates with the insurer’s risk, a higher IDV leads to higher premiums.
• Claim Procedure: The best bike insurance policy is one that is the easiest to claim. You should check the insurer’s claim procedures and Claim Settlement Ratio (CSR) to understand the ease and surety of settlement of valid claims.
• Riders or Add-Ons: A good bike insurance policy should offer useful add-ons that cover your driving hazards. If you buy an expensive bike like the Guerrilla 450, you may want add-ons covering the full invoice cost. If you ride over rough roads, tyre and rim coverage is important.
• No Claim Bonus: The No Claim Bonus is a renewal bonus given by an insurer to encourage continued customer loyalty. When choosing a plan for your Royal Enfield Guerrilla 450, examine the first-time discount, maximum bonus limit and how long you have to wait to get it.
• Policy Terms and Conditions: Make sure to read the fine print of a chosen plan’s terms and conditions or policy wording document. This will help you understand the policy’s coverage limits, unique exclusions and everything you need to file claims successfully. Also, look for sub-limits and deductible clauses.

Step 1: Go to the top of the page and enter your bike registration number in our premium quote tool. Then, click on ‘Get Price’.

Step 2: Fill out your personal and bike-related information when prompted. Modify your coverage limit and include add-ons as required.

Step 3: Once you have entered the required details, you will get instant quotes for Royal Enfield Guerrilla 450 insurance prices. Confirm and make the payment to buy the bike insurance policy.

Step 1: Find the ‘Renewal’ menu at the top of this page and choose ‘Bike’ from the dropdown options.

Step 2: Type in your bike’s registration number or 10-digit policy number and click ‘Renew’.

Step 3: Review your existing policy details. Update the IDV or include add-ons as per your preference.

Step 4: Check the updated price of Royal Enfield Guerrilla 450 bike insurance renewal. If you want to proceed, confirm your choices and pay the premium amount.

The premium cost of a bike insurance plan depends on the type of policy chosen and your selected IDV, add-ons and tenure after accounting for discounts and bonuses. The Royal Enfield Guerrilla 450 insurance price also depends on additional factors, such as the bike’s depreciation, registration location and your claims and driving history. Here’s how the premium is calculated:

Step 1: Inform us and file your bike insurance claim. You can file a claim by logging onto your TATA AIG account or visiting the claims portal.

Step 2: Submit the claims form with the required information. Once you get the self-inspection link sent to your phone, upload photos and videos of your damaged Royal Enfield bike.

Step 3: Get your vehicle inspected by a TATA AIG surveyor and collect the damage repair estimate. Submit all required documents, including garage bills, payment receipts, bike documents, ID proof, etc.

Step 4: For cashless claims, take your Guerrilla 450 to your nearest network garage. If you can’t find any near you, get the repairs at a non-network garage and file a reimbursement claim.

Step 5: After the repairs are complete, visit the garage to collect your bike. For cashless claims, we will settle your bills directly with the garage. For reimbursement claims, we will send the compensation amount, subject to policy limits.

• Copy of bike registration certificate
• Tax payment receipt for your bike
• Duly filed and signed claim form
• Copy of identity proof, such as PAN, Aadhaar and driving licence
• Damage estimate and repair bills
• Copy of FIR for third-party liabilities and theft
• No Trace Report for theft-related claims
• RTO transfer papers (if applicable)
• Legal notice/summons for third-party claims
• Hospital bills for personal accident cover

The following are the prices of Royal Enfield Guerilla 450 across different variants:

Disclaimer: The prices given here are indicative based on the dealership, location and the cost of accessories. Please check with the individual dealer to know the accurate prices.

Your Guerrilla 450 is composed of several essential components that need to perform optimally to make the rest of your bike functional. Here are the most important parts for which you need bike insurance:

• Engine: The beating heart of your motorbike, the engine creates power, and its characteristics define the purpose and speciality of a bike. The iconic Sherpa engine of the Royal Enfield Guerrilla performs well in both city traffic and expressway speeds.
• Chassis: The foundation of any motorcycle, the chassis forms the skeletal structure on which other bike parts are mounted. The Royal Enfield Guerrilla 450 is set on a specially-made twin downtube spine frame, which makes for a stable ride.
• Transmission: The transmission system ‘transmits’ power to the drivetrain from the engine via the gearbox, enabling you to control the speed. The Guerrilla 450 is powered by a 6-speed manual transmission with a light clutch and easy gear.
• Wheels & Tyres: The type of wheels and tyres determines a bike’s capabilities and performance. To provide control over all speeds, the Guerrilla 450 is equipped with 17’’ wheels and 120/70 front and 160/60 rear wide tubeless tyres with bespoke threads.
• Instrument Panel: The features and electronics available on a bike’s instrument panel/cluster affect its convenience and usability. The Guerrilla 450 features a Tripper TFT cluster packed with detail that connects seamlessly with your devices.

The Royal Enfield Guerrilla 450 is a unique motorcycle that combines the power and stability of high-capacity roadster bikes with the usability of commuter bikes. It’s a more accessible offering for regular riders compared to other Royal Enfield offerings. However, it may not be an ideal bike for very tall riders or those looking for a conventional roadster or cruiser bike.