HDFC Ergo Insurance Plans

HDFC Ergo’s Standalone Two Wheeler Insurance

The joy of riding a bike is priceless! Keep this joy intact with HDFC ERGO’s two wheeler or bike insurance that cover 1.5 Crore customers trust. And say goodbye to worries of fines, theft or damage to your loyal companion in daily commutes or leisurely highway rides. With our 8000+ cashless garages we assure you we’ve got your back whether you ride on green pastures or rocky terrains. So secure your bike and your peace of mind with a truly ‘Take it easy’ experience.
Request a Call Back
Name is required
Email is required
Contact is required
Thank you for contacting us

HDFC ERGO Two Wheeler insurance review

  • Plan Options
  • Why to buy
  • Add On Covers
  • Claims
  • Inclusions and Exclusions
The options under Two Wheeler Insurance currently include:
  • Single Year Comprehensive Cover
  • Long Term Comprehensive Cover
  • Third Party Cover
  • Compulsory Personal Accident Insurance
Multi Year (Long Term) Comprehensive Two Wheeler Insurance
All rounded coverage that includes cover against damages to your own two wheeler or damages to a third party person/ property. And if this is not enough it can be customized with your choice of add-on covers, giving you coverage as per your requirement in a cost effective manner. You can also choose the tenure you require coverage for whether one, two or three years , we recommend getting your two wheeler covered for 3 years to avoid renewal hassles. Suitable for bike lovers seeking all rounded protection, this plan covers:
  • Accident, theft, fire etc.
  • Personal accident cover
  • Natural calamities
  • Third-party liability
  • Choice of add-ons
Third Party Cover
This cover only protects you against liabilities arising from damage, injury or loss to a third party person or property. As per the Motor Vehicles Act 1988, this is a mandatory cover and driving without a valid third party cover can lead to a fine of Rs.2000. Suitable for those who use the bike infrequently, this plan covers:
  • Personal accident cover
  • Third-party property damage
  • Injury to a third-party person
Compulsory Personal Accident Insurance
As per the Supreme Court’s recent mandate, a personal accident (PA) cover is compulsory for the owner/driver of two-wheelers. The policy can be bought as a standalone cover or along with your two-wheeler insurance, and provides compensation to the owner in case of death, bodily injuries or any permanent disability due to an accident. It is not mandatory for the pillion rider.

6 Reasons Why HDFC ERGO’s Bike Insurance Should Be Your First Choice!

  • Upto 70%^ off on premium : Get a hot deal for your hot wheels with savings of upto 70% on the Own Damage (OD) section of your premium, which is best in the industry
  • 8000+ Network Garages : These garages offer Cashless Settlement for your repair claims
  • Doorstep repair service : Now say “Goodbye” to bike repair worries and get convenience right at your doorstep, with a pick, repair and drop service.
  • AI enabled motor claim settlement : HDFC Ergo’s AI enabled tool IDEAS enables a faster and hassle free motor claim experience…a leading claims management process
  • Emergency Roadside Assistance : Faced with an emergency on the way with an engine or tyre failure? Notify us to get help right away, at the point where you are stranded!
  • Premium starting at just around ₹480 : Cover your bike against third party liabilities at the cost of a movie ticket…this is based on your Two Wheeler and the coverage you’ve opted for
  • Buy Policy in Less Than 3 mins : Secure your bike in the time you take to listen to your favourite song from online distributors like https://www.eindiainsurance.com/
  • 4.4 Customer Rating : Customer Ratings for HDFC Ergo’s 2W insurance have been among the highest in the Industry, which is a testament to their claims service and overall policy coverage

Add-Ons under HDFC Ergo’s Two Wheeler Insurance

Enhance your coverage with these add-ons :
  • Zero Depreciation
  • Emergency Assistance Cover
Zero Depreciation Cover
A vehicle’s value starts spiralling south as soon as it exits the showroom. But don’t be disheartened, a zero-depreciation add on cover will be your saviour in such a scenario. This add on cover will help protect your finances in case of a claim due to physical damages to your bike. It is recommended for new and premium bikes since it helps to decrease the expenditures involving losses.

Emergency Assistance Cover
It is a great feeling to know someone has your back at all times, the emergency assistance cover is just that, a friend in need. With 24X7 emergency assistance services like refuelling, tyre change, towing, lost key assistance, arranging for a mechanic etc. You can heave a sigh of relief because with this add on cover help will always be at hand during emergencies when your bike suddenly breaks down in the middle of nowhere.

Make a Claim the Quick and Easy way

Filing a claim just got easier with our 4 step process and a claims settlement record that will ease your claim related worries...
Step 1 - Register for bike insurance claim Ditch the paperwork! Register your claim and share required documents online.
Step 2 - Digital Inspection or Self Inspection by surveyor One can opt for self-inspection or an app enabled digital inspection by a surveyor or workshop partner.
Step 3 - Track Insurance Claim status Relax and keep track of your claim status through the claim tracker.
Step 4 - Settle when claim is approved Take it easy while your claim is approved and settled with the network garage! With their 8000+ cashless garages pan India, worrying about cash to fix your Two Wheeler is a thing of the past!


HDFC Ergo Comprehensive Bike Policy Inclusions and Exclusions

What is covered?

Accidents
Been in an accident? Keep calm, HDFC Ergo covers damages your bike sustains in an accident.

Fire & Explosion
The company won’t let a fire or an explosion burn your finances to ashes, be rest assured your bike is covered.

Theft
Your bike getting stolen could be your worst nightmare come true, but we ensure your peace of mind is not disrupted.

Natural Calamities
Calamities can wreak havoc and your bike is not immune to them, but your finances are!

Personal Accident
Your safety is our priority, in case of injuries due to a two wheeler accident we cover your treatment charges.

Third Party Liability
Damaged a third party property or person? We cover damages to a third party property or injuries sustained by a third party person.

What is Not Covered?

Depreciation
The policy does not cover general wear and tear or depreciation in the value of your bike or scooter.

Electrical & Mechanical Breakdown
Electrical or mechanical breakdowns of any nature are uncovered.

Illegal Driving
Driving under the influence of drugs or alcohol or not possessing a valid driving license is neither cool nor covered.

Frequently Asked Questions (FAQs)

How can I get my existing two-wheeler insurance renewal online?

Renewing two-wheeler insurance online is very simple. Visit the website of the insurance company, enter details such as bike model, purchase date of bike etc. and choose any add-ons. Once you make the payment, your policy will be renewed.

Both options are available. As a customer, you should pick a policy that gives you maximum benefits at a lower premium. However, when you decide to continue with the same insurance provider, you get more loyalty benefits like a decrease in deductibles or an accident forgiveness option.

If you fail to renew the insurance policy of your two-wheeler within 90 days of the expiration, you will lose your No Claim Bonus (NCB). Therefore, make sure you always renew the policy within the time frame.

In case of damages to your two-wheeler or theft, you should first lodge an FIR. After that you should file a claim, and the documents required for the same are RC book, active DL, policy document, FIR copy, duly signed claim form, photos taken at the accident spot and any other document as needed by the insurer.

The Insured Declared Value (IDV) is the current market value of your vehicle. It is calculated by subtracting the depreciation cost of the vehicle from the manufacturer’s selling price. The registration cost, insurance cost and road tax are not included in the IDV. And, if accessories are fitted later, IDV of those are calculated separately.

There is no one size fits all approach when it comes to Bike Insurance and choosing one that is tailored to your needs and suits your requirements is no easy task you may think. Well, bursting your bubble, let us state a fact - comparing and buying bike insurance policies online is now a cakewalk. eindiainsurance helps you select a plan that gives you effective protection for your bike at an affordable rate, best suited for your requirement.

Search HDFC ERGO Motor Insurance

Brochure

Review HDFC ERGO Bike Insurance brochure to understand coverage details.

Know more »

Policy wordings

Review HDFC ERGO Bike Insurance policy wordings which explains the terms and conditions.

Know more »
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025
-

ONLINE CHAT