Royal Enfield Himalayan 450 Insurance

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Royal Enfield Himalayan 450 Insurance

Tailored for the off-road experience, the Royal Enfield Himalayan 450 is a step up for bike owners who want more performance from their adventure motorcycles. This bike is built to handle anything from winding mountain roads to open highways.

However, your new Himalayan 450 still needs insurance. This is because a good bike insurance policy could mean the difference between having your insurer foot the repair bills or paying your repair costs out-of-pocket in an already stressful situation.

Read on to learn why you should consider Tata AIG when buying your Royal Enfield bike insurance and the other benefits you can enjoy by choosing us as your insurance provider.

Purchase/Renew Royal Enfield Himalayan 450 Insurance Online with Tata AIG

Royal Enfield Himalayan 450 Bike Insurance Buying Process

Visit our bike insurance page.

Enter your Royal Enfield bike's registration number and click Get Price.

Fill out the insurance application form that appears on the screen. Make sure all your details are relevant and up to date.

Upload scanned copies of your required KYC documents – ID proof, address proof, bank details, etc.

Select the add-ons you want for your Royal Enfield bike insurance. Add-ons are not mandatory, so you can skip this step if you do not want to opt for them when buying insurance for your 2-wheeler.

Submit your bike insurance application form and pay your Royal Enfield insurance price, i.e., the bike insurance premium.

After verifying documents and approving your insurance application, we will send a PDF copy of your bike insurance policy to your registered email.

Royal Enfield Himalayan 450 Insurance Renewal Process

Visit our bike insurance page.

Enter your Royal Enfield bike's registration number and click Renew.

Fill in the renewal form. You must input details like your policy expiration date, claim history (if applicable), etc.

Choose any add-ons you want to add to your policy and pay your Royal Enfield insurance renewal fees.

Once your payment has been confirmed, we will send a PDF copy of your renewed bike insurance policy to your registered email.

Additional Notes:

Bike insurance policy tenures can range from 1 to 5 years. You can apply for an insurance renewal within 90 days of your policy's expiry date. You can also renew your policy 15 - 30 days before the due date – which is what we recommend for long-term bike insurance plans.

Also Read: Renew Expired Bike Insurance Online

Royal Enfield insurance Price/Cost: What is the Premium for Royal Enfield Himalayan 450 bike insurance?

At Tata AIG, we understand that bike insurance affordability is important to bike owners – Which is why we recommend using a bike insurance calculator before committing to a purchase.

It is a free online tool that offers accurate estimates of bike insurance premiums and can be used to determine your Royal Enfield insurance price.

You have two options when buying your Himalayan 450 bike insurance from Tata AIG. You can either get third-party insurance or a comprehensive plan.

Third-party bike policies are basic plans that offer affordable premiums. The Insurance Regulatory and Development Authority of India (IRDAI) decides the premium rates.

The prices vary according to the bike's engine capacity (cc). The rates are also re-assessed every year to decide if the prices need adjustment, depending on various economic factors.

For comprehensive bike plans, we calculate your Royal Enfield insurance price based on several factors. Prime determinants include your location (resident city/town), the bike's make/model, bike policy add-ons, and the IDV (Insured Declared Value).

Since manual calculations for comprehensive plans are a bit more complicated, we recommend using an insurance calculator. You only need to input details for the parameters listed above, and you will get a near-accurate estimate.

We also recommend comparing two-wheeler insurance plans with each other before purchase, as it will give you a more well-rounded view of the plans. This way, you buy your Royal Enfield Himalayan 450 insurance at a competitive rate while still getting good coverage.


The IRDAI mandates having at least a third-party bike insurance policy for all two-wheeler owners in India. In other words, you will need to buy at least third-party bike insurance if you do not want to buy a comprehensive plan.

Your bike must remain insured if you wish to ride it on public roads. Renew your bike insurance policy on time and do not let it expire/lapse, as being caught driving without valid insurance can lead to getting fined.

Add-Ons for Royal Enfield Himalayan 450 insurance by Tata AIG

Add-ons are essentially additional bike insurance coverage. They are completely optional and can only be bought under comprehensive bike insurance policies.

If you are considering getting some for your Royal Enfield bike insurance plan, you should note that they do require an additional premium payment(s) – on top of your base insurance policy price.

Tata AIG offers 7 unique add-ons you can choose from when buying or renewing your policy. Let us take a look at what they are:

Personal Accident Cover: You are offered coverage for accidental death or permanent disability resulting from an accident.

Pillion Rider Cover: Covers the pillion rider for their accidental death or permanent disability resulting from an accident.

Return-to-Invoice Cover: Reimburses your bike's total invoice amount in case of a total loss (more than 75% damage) – due to a major accident or theft.

Nil/Zero Depreciation Cover: Under this, we will not consider the depreciation cost/value of your bike's parts during repairs/replacements and will cover the full cost.

Consumable Cover: Covers the cost of consumables like screws, fuel, engine oil, nuts and bolts, etc., that need to be replaced during repairs.

Engine Protect Cover: Covers the repair/replacement of the bike's engine from damage due to water ingression or oil leakage.

Roadside Assistance Cover: Offers 24/7 roadside assistance for breakdowns and accidents. You get on-site repairs, fuel delivery, towing services, etc.

Inclusions and Exclusions of the Tata AIG Royal Enfield Himalayan 450 Insurance

Royal Enfield Bike Insurance Inclusions

Damage and Loss Protection Comprehensive bike plans under Tata AIG offer coverage for expenses incurred from bike damages/losses. This will cover damage/losses due to accidents, fires, man-made disasters, during transit, etc.
Total Loss Cover You are reimbursed your Himalayan 450’s IDV value in case of a total loss. E.g. your bike was stolen and could not be found or severely damaged in a major accident.  (Over 75% damage is considered a total loss)
Third-party Protection We will cover financial and legal liabilities caused to the third party. This includes bodily damage/personal injury and vehicular/property damage.
Personal Accident Coverage (For the Owner-Driver) This built-in feature covers medical costs incurred from treating injuries sustained during accidents.  The total coverage amount is ₹15 lakhs. If the accident results in the death of the policyholder, the policy nominee is paid the full amount. 
Add-on Rider Coverage Fully optional – inclusions will vary depending on your chosen add-on(s). A popular one we recommend for your Himalayan 450 bike insurance is the Zero Depreciation cover.

Royal Enfield Bike Insurance Exclusions

General Wear and Tear We will not cover regular wear and tear damages that come with usage and time. These can be things like depreciation and age-related problems.
Racing and Speed Trials Damages/losses from racing, benchmarking/reliability testing, speed testing, etc., will not be covered by us.
Breaches of the Law/Policy Term Violations Damage/losses sustained during traffic law violations will not be covered, as they violate policy terms.  Examples of common violations include driving without a helmet or driver’s licence, drunk driving, inebriation (drug abuse), etc.
Commercial Usage Your personal bike can not be used for business purposes. You need separate commercial bike insurance for that. 
Damage from Theft Damages/losses caused to the bike from trespassing and home invasion will not be covered if your Royal Enfield bike was not stolen in that scenario.

Reasons to Buy Tata AIG Royal Enfield Bike Insurance

A bike insurance policy will offer legal and financial protection when on the road. However, the insurance policy is only as good as its insurer. Here are some key reasons why you should consider Tata AIG as your next insurance provider when buying your Royal Enfield Insurance:

Brand Reputation: We have built a solid reputation in the insurance sector by launching several innovative products and services since our conception. You can count on us for top-notch support on all insurance-related services.

Comprehensive Coverage: Our Royal Enfield Himalayan 450 insurance policy offers comprehensive coverage against accidents, third-party liabilities, theft, and natural disasters.

Add-on Riders: Choose among 7 unique add-on covers when you buy insurance for 2-wheelers from us. These are helpful if you live in an area where certain damages are unavoidable. E.g. engine damage from floods, road accidents, theft, etc.

Budget-Friendly Plans: We offer the best prices, discounts and premiums! When you buy insurance from our website, you can be eligible for several discounts, which can help you save even more money.

Quick Claim Settlement: Experience a hassle-free claims settlement process with minimal paperwork when you partner with Tata AIG. You will also be happy to note we held a claim settlement ratio (CSR) of 96.43% in FY 2020-21.

**Wide Network of Garages:**You get access to our wide network of garages across India that offer cashless claims facilities to policyholders. You can let us directly settle your repair bills with the network garage.

24/7 Customer Support: We offer 24/7 customer support to ensure you can always access our services. Feel free to contact us anytime for assistance with your Himalayan 450 bike insurance policy!

Royal Enfield Himalayan 450: Overview and Unique Selling Points

Royal Enfield bikes are a fan favourite in India among bike enthusiasts. The Himalayan 450 is no exception to this. It is not only Royal Enfield's more affordable touring bike but also marks the brand's new approach to motorcycling.

It has a 452 cc liquid-cooled engine and 6-speed manual transmission, offering the rider a more hands-on experience, especially during off-roading. You also get a 17-litre fuel tank, making it perfect for longer rides as well. With that said, here are some of its key features:

Unique Selling Points of the Royal Enfield Himalayan 450

New and Re-Imagined: The Himalayan 450 is built from the ground up and introduced as an upgrade to the 411. No parts were carried over from the older model and its price tag also makes it more accessible to adventure enthusiasts in India.

New Tech: The Himalayan 450 is a modern take on a classic motorcycle that comes with features like a 4-inch TFT digital console, Google Maps, 4 riding modes, and access to several body kits.

Comfortable Long Rides: The 450's more ergonomic design, better weight displacement, and low centre of gravity make it great for long drives. It also offers individual, contoured seating for the rider and pillion.

Impressive Ride Quality: This applies to on and off-road drives. The rider does not feel most undulations on tarmac or other riding surfaces. The progressive braking and switchable ABS also come in handy during road-road drives to ensure safety.

Unique Design: The new Himalayan bike sticks to its rugged and versatile roots. It borrows some design cues from the 411, like the circular headlamp. However, the 450 boasts an impressive side profile and a larger presence overall.

Available Colours: The Himalayan 450 motorcycle is available in 5 different colours for you to choose from. These include Hanle Black, Kamet White, Slate Himalayan Salt, Slate Poppy Blue and Kaza Brown.

Royal Enfield Himalayan 450: Variants and Prices

Royal Enfield Himalayan 450 Variants Ex-Showroom Price (Delhi)
Royal Enfield Himalayan 450 (Base Model) ₹2.80 - ₹3.10 Lakh
Royal Enfield Himalayan 450 STD ₹2.80 Lakh
Royal Enfield Himalayan 450 Rally ₹3.10 Lakh

Disclaimer: These prices were taken from BikeDheko on 20/11/2023 at 3:45 pm IST. Since prices are subject to change, we recommend checking your city’s current ex-showroom price before buying. The prices listed above are expected prices, as these variants are yet to launch in India.

Top 5 Competitors of Royal Enfield Himalayan 450

Competitor Bike Name/Model Ex-Showroom Price (Delhi)
Bajaj Dominar 400 ₹2.29 Lakh
KTM 250 Duke ₹2.39 Lakh
TVS Apache RTR 310 ₹2.42 - ₹2.63 Lakh
KTM 390 Duke ₹3.10 Lakh
Royal Enfield Continental GT 650 ₹3.19 - ₹3.45 Lakh


What documents are required to buy Tata AIG's Royal Enfield Himalayan 450 insurance?

Generally, you will only need your KYC documents. These include any government-authorised ID and address proof like your Aadhar or passport, along with your bank details.

Make sure the address mentioned in your address proof/ID document matches your current residential address. Your location plays a huge role in determining your Royal Enfield insurance price.

If you are transferring your policy or applying for a Royal Enfield Himalayan 450 insurance renewal, you must present your previous bike policy certificate with your KYC documents.

How to claim Royal Enfield insurance with Tata AIG?

First, you need to inform us of the event or accident through our helpline and then visit our Claims Page. Click Initiate Claim to start the claim process. To promote transparency, we also allow you to track your claim after submitting it.

For a more in-depth explanation of what to do after an accident, read our blog on Bike Accidents In India And Insurance Claims.

Which is the best insurance for my Royal Enfield Himalayan 450?

Since it is a new bike, we highly recommend buying a comprehensive Tata AIG Royal Enfield bike insurance, which will cover personal damage costs and third-party liability.

Ensure you buy it from our website, as online purchases make you eligible for more discounts.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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