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Royal Sundaram Two-Wheeler Insurance Premium Calculator

359 reviews Rate This
    Network Garages3,300+
    Claim Settlement Ratio92.66% in FY20
    Emergency AssistanceAvailable 24/7
    Policies Issued20.6 lakh+ in FY20
    Number of Customers45 lakh+
    Presence156+ branches

    What is a Bike Insurance Premium Calculator?

    A bike insurance premium calculator is an online tool, which is designed to assist you to find the right premium for Royal Sundaram bike insurance policy. The digital instrument takes a few details to display the correct premium amount which includes make, model and variant of your bike, registration year of your bike, RTO location of your bike, etc. Entering these particulars of your bike, the insurance calculator comes up with the right premium amount for your bike insurance plan.

    How to Use a Bike Insurance Premium Calculator?

    Step 1: Select the Make, Model, Variant and Fuel Type of your bike.

    Step 2: Select the City of Registration and Year of Purchase of your bike.

    Step 3: Tell us as if you have made any claim in the previous policy term.

    Step 4: Click on the ‘Calculate’ button and get the right IDV and premium for your bike insurance policy.

    Benefits of Bike Insurance Premium Calculator

    1. Right Insured Declared Value (IDV) – The premium calculator based on the make, model and fuel type, registration year etc., of your bike helps you find the right IDV. It is the prevailing market value of your bike and with its information, you can make the claim request for the right amount in case of theft or total loss of your bike.
    2. Correct Amount of Premium – Calculating the right amount of premium for your bike insurance plan is the main aim of this calculator. With the bike insurance policy quotes offered by different insurance providers, you can easily compare and select the most suitable plan for your bike as per your budget and requirements.
    3. Eases the Decision Making Process – The premium calculator tool gives you complete knowledge of the right premium amount and IDV provided by various insurance companies for your bike. This helps you make informed and right decisions related to your bike insurance policy after comparing the quotes thoroughly.
    4. Assistance in Selecting Economical Plans – With the assistance of a premium calculator, you can easily get to know the premium costs offered by different insurance providers for your bike. The complete data of policy quotes allows you to compare and choose the most value for money bike insurance deal.

    Third Party Bike Insurance Premium Rates

    Engine Capacity

    Premium To Buy A New Policy (5-Year Plan)

    Premium To Renew Existing Policy (1-Year Plan)

    Not exceeding 75 cc

    Rs. 1,045

    Rs. 482

    Exceeding 75 cc but not exceeding 150 cc

    Rs. 3,285

    Rs. 752

    Exceeding 150 cc but not exceeding 350 cc

    Rs. 5,453

    Rs. 1,193

    Exceeding 350 cc

    Rs. 13,034

    Rs. 2,323

    (Source: Insurance Regulatory and Development Authority of India (IRDAI))

    Premium for Comprehensive and Standalone Own-Damage Bike Insurance Plans

    The premium amount for standalone own-damage and comprehensive bike insurance plans depends on diverse factors that comprise make, model, and the variant of your bike, fuel type, RTO location, cubic capacity, etc. These are some particulars of your bike entering which in the premium calculator can get you the right amount of premium for your bike insurance policy. Below are the salient factors which influence the premium of your bike insurance plan:

    Factors Affecting Two-Wheeler Insurance Premium

    1. City of Registration – The RTO locations in India are divided as Tier 1, 2 and 3 based on the density of traffic that impacts the accident rate. So, bike insurance premiums of Tier 1 cities are higher than Tier 2 and Tier 3 cities.
    2. Insured Declared Value (IDV) – The IDV is the current market value of a bike and the amount that a policyholder is eligible to get as a claim against the theft or total loss of the bike. Hence, for bikes with high IDV, more premium has to be paid.
    3. No Claim Bonus (NCB) – The NCB is a discount on the premium amount provided by insurers to its policyholder for making no claim. It accumulates from 20% to 50% with every claim-free year. So, the NCB affects the premium cost by reducing it.
    4. Anti-Theft Devices – Many bike owners install anti-theft devices in their bikes to enhance its safety. The security system curbs the risk for insurers too due to which they charge a lesser premium from persons who have got such devices installed in their bikes.
    5. Age of the Rider – With age and experience, the driving skills of people get better. On this note and track records, the insurance providers offer bike insurance plans to older people on lower prices as the older people tend to drive more sensibly.
    Bike insurance starting from Rs.482/year*
    • Save upto 75%*
      Lowest Bike Premiums
    • 11.5 Lakh+
      Happy Customers
    • Claim Support
      7 days a week

    *TP price for less than 75cc two-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

    Calculate Your Bike Insurance

    Select your bike's brand
    • Hero
    • Honda
    • TVS
    • Bajaj
    • Yamaha
    Which city is your bike registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your bike?
    Have you made a claim in the previous year?

    Must Read Articles before buying Royal Sundaram Bike Insurance

    Royal Sundaram Bike Insurance User Reviews

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    What users are saying
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    • No hidden fee

      It was a relief to see that finally there is a website that doesn't charge any hidden fee. While buying the ...

      Read More
      By Arpit Gambhir
      On: March 23, 2023
    • Got to know about a wide range...

      A wide range of network garages on InsuranceDekho makes it convenient to get easy access to network garages,...

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      By Praveer Kumar
      On: March 22, 2023
    • Secured payment portal

      While looking for a secure and safe payment platform, I came across the InsuranceDekho website. They have a ...

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      By Varun Randhawa
      On: March 20, 2023
    • Got my policy renewed in very ...

      I recently bought the Royal Sundaram Bike Insurance Policy. The plan is amazing in itself. I make sure to re...

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      By Sahil Chopra
      On: March 15, 2023
    • Plans were easy to navigate

      After purchasing my TVS XL 100 bike, I was looking for a plan to insure it. On the InsuranceDekho website, I...

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      By Rajeev Dhingra
      On: March 14, 2023
    • Instant revert

      I had a little problem and got stuck while making a premium payment for my Royal Sundaram bike insurance pol...

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      By Manav Trivedi
      On: March 10, 2023
    • Privacy first

      One of the best parts of the InsuranceDekho website is that it assures the complete privacy of the customer....

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      By Sahil Manchanda
      On: March 6, 2023
    • Plans were easy to navigate

      The plans on the InsuranceDekho website were easy to navigate. While looking for a bike insurance plan for ...

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      By Sunil Tiwari
      On: March 3, 2023
    • Streamlined claim settlement

      Settling cashless claim under the Royal Sundaram bike insurance policy issued for my Suzuki Intruder was str...

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      By Himanshu Saje
      On: February 28, 2023
    • Streamlined claim settlement

      Settling cashless claim under the Royal Sundaram bike insurance policy issued for my Suzuki Intruder was str...

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      By Himanshu Saje
      On: February 23, 2023

    Royal Sundaram Bike Insurance Premium Calculator FAQs

    • What is the purpose of using the bike insurance premium calculator?

      The bike insurance premium calculator is meant to assist you in finding the accurate premium amount for your bike insurance plan, find the right IDV of your bike, and choosing a reasonable insurance plan by making wiser decisions about a bike insurance policy.

    • What details do I need to own to use the premium calculator?

      You need to own details like make and model of your bike, RTO location of your bike, registration year of your bike, and so on, to find the right premium provided by the insurance companies for a bike insurance policy.

    • What are the factors that determine the premium of a bike insurance cover?

      There are many factors which affect the premium of a bike insurance plan like the City of Registration, No Claim Bonus (NCB), Insured Declared Value (IDV), Anti-Theft Devices, Engine’s Cubic Capacity, Age of the Owner, etc.

    • Where can I find the premium calculator to use it?

      You can find the best premium calculator to calculate the premium and IDV for your insurance policy at the official website of InsuranceDekho, i.e.,

    • Does the premium calculator compute the premium for old two-wheelers?

      Yes, the premium calculator is designed to get you the premium amount offered by different insurance companies for new as well as old or used two-wheeler vehicles.

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    Royal Sundaram Bike Insurance Contact Details

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    Bike Insurance News

    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.