There’s no cash less for one of premium two wheelers brands - Royal Enfield. In case of claim if you are ready to wait for:
go for it! otherwise just know that the cheap premium comes at a huge cost! The claim intimation is easy but one gets no idea what to do next. A case worker manager is assigned and he will seldom accept that he is responsible. Once he has he will then assign the case to a worker who will take approx 15 days after constant gentle reminders.
Don’t think they accept bribe but the claim case worker gave stupid explanations to explain the delay.
Not that there are good insurance options in this country, all I can say is good luck if you are ICICI Gen Insurance customer already.