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  • HDFC Ergo Two Wheeler Insurance

    Two Wheeler Insurance
    • Get quotes from multiple insurers
    • Cashless garages available
    • Buy/renew your policy online without hassles

    With an abundance of two-wheelers on Indian roads, the chances of accidents are escalated. The Government of India made it mandatory to have a basic third-party liability policy on all 2 wheeler vehicles because in many cases the people involved in an accident and liable to pay for damages claim they are from low backgrounds and cannot afford it. HDFC Ergo offers a third-party liability insurance policy that will protect you from legal financial liabilities. You can also opt for a comprehensive policies that provides the added benefit of coverage for your own vehicle and self as well.

    Features And Benefits Of HDFC Ergo Two-Wheeler Insurance

    Insurance Plan Third-party liability Cover Comprehensive Cover
    Policy Period 2 years and 3 years Multi-year up to 3 years
    Policy Types Liability-only Comprehensive
    Policy Coverage
    • Third-party liability against injury or death of a third party
    • Damage to third party property
    • Optional personal accident insurance for pillion rider
    • Injury or death of owner or driver
    • Loss or damage to own vehicle due to natural calamities
    • Loss or damage to own vehicle due to theft or accident
    • Personal accident cover
    • Same coverage as third-party liability policy
    Exclusions
    • Claims due to contractual liabilities
    • Loss or liability incurred outside the geographical area covered
    • Liability incurred due to nuclear weapons
    • Normal wear and tear
    • Electrical or mechanical breakdown
    • Invalid driving licence
    • Loss or damage due to war
    • Riding under the influence of alcohol or drugs
    • Periodic depreciation or consequential loss
    Renewal frequency End of policy term End of policy term
    Available Add ons
    • Optional personal accident insurance for pillion rider against death or permanent and total disability
    • Emergency roadside assistance
    • Zero depreciation
    • Optional personal accident insurance for pillion rider against death or permanent and total disability
    • Emergency roadside assistance
    • Zero depreciation
    No Claim Benefit Provided for every claim-free year Provided for every claim-free year
    No Claim Benefit after Claim NCB becomes nil NCB becomes nil
    Zero Depreciation Cover Available Available
    Refund Facility Policy can be cancelled by giving 7 days notice provided no claim has risen during the policy term. The company will refund the premium minus short period rates
    Policy Expiration If the life insured dies, the policy will continue to be in force for 3 months or until the expiry date, whichever is earlier. The legal heir can transfer the policy to their name
    Network Garage Over 3,400 network garages across the country

     

    Reasons To Choose HDFC Ergo Bike Insurance

    When you opt for a bike insurance policy from HDFC Ergo, you stand to benefit from a number of value-added features.

    Quick Approval

    From the time your vehicle reaches the garage, the estimated time taken for claim approval is 24 hours.

    Online Purchase and Renewal

    Buy a two-wheeler insurance plan in a few easy steps through the HDFC Ergo official website. You can also renew your policy online avoiding the hassles of visiting a branch or meeting an agent.

    Customer Care

    HDFC Ergo has a dedicated toll-free helpline for customers to address their queries and make claim intimations.

    Easy Settlement Process

    HDFC Ergo has put into place a transparent and fair claim settlement process. HDFC Ergo has an in-house Third Party Administrator to help make the claims settlement process much faster and as smooth as possible.

    Claim Intimation

    Customers can intimate a claim to HDFC Ergo 24x7 through the toll-free helpline or through the HDFC mobile app.

    Two Wheeler Insurance Plans Offered By HDFC Ergo

    There are two plans on offer from HDFC Ergo that cater to customers who need a bike insurance plan.

    Third-party Liability Insurance

    This type of insurance is known as a liability-only policy which is the minimum requirement as per the Motor Vehicle Act, 1988. This policy covers legal liabilities incurred due to damage, death or injury caused to a third party. You have the option to buy multi-year policies of up to 3 years which will protect you against annual increase in premiums. This policy can be issued instantly without any hassle of paperwork.

    Comprehensive Insurance

    With this plan, you can be protected for up to 3 years with the payment of a single premium. Avoid the hassles of annual renewal and increasing third-party premium hikes by the insurance regulator. For policy terms of 2 years and 3 years, you can enjoy the benefit of No Claim Bonus (NCB) in the event that you do not make a claim. This policy will cover you against the losses arising out of theft, accidents, natural calamities, manmade disasters and other dangers. For 1-year terms, you also have the option to purchase add-on protection of emergency roadside assistance and zero depreciation.

    Coverage Offered Under HDFC Ergo Two Wheeler Insurance

    Depending on your choice of third-party liability cover or comprehensive cover, you will benefit from different coverage.

    • Third-party liability

    For any accidental damages caused to a third party, the insurance pays for any legal liabilities as per the provisions of the plan. The insurer will cover any expenses related to accidental death, permanent injury or damage to property of a third party.

    • Loss or damage to own vehicle due to manmade disasters

    The two-wheeler insurance policy will also cover certain manmade disasters. These include theft, burglary, accident by external means, terrorist activity, riot, strike, any malicious act, any damage in transit by air, rail, road, rail, inland waterway, lift, or elevator.

    • Loss or damage to own vehicle due to natural calamities

    If your vehicle is damaged or lost completely due to natural events, the insurance plan will pay out a benefit to cover expenses or losses. The natural calamities covered include fire, explosion, self-ignition or lightning, typhoon, earthquake, storm, flood, hurricane, tempest, cyclone, frost, inundation, hailstorm, landslide and rockslide.

    • Personal accident cover

    The cover offered with this plan is Rs.1 lakh. The owner or driver will get an individual accident insurance cover for any injuries sustained while driving, travelling, mounting or dismounting the bike. Policyholders can also take additional cover for pillion riders and unnamed riders.

    Exclusions In HDFC Ergo Two Wheeler Insurance

    There are certain exclusions applicable under a two-wheeler insurance policy from HDFC Ergo. Under these particular circumstances, the insurer will not be liable to pay any benefits to the policyholder.

    • Electrical or mechanical breakdown
    • Normal wear and tear of the vehicle including general ageing
    • Damage caused by a person riding under the influence of alcohol or drugs
    • Damage caused by a person riding without a valid driving licence
    • Loss or damage due to war, nuclear risk or mutiny
    • Vehicles used for purposes other than in accordance with the limitations of use such as hire and reward, except for public commercial vehicles
    • Accessories and consumables in the following cases:
      • Wear and tear of tyres, tubes and other consumables, unless the vehicle is damaged at the same time. In this case the company will pay up to 50% of the replacement cost, and 30% for fibreglass components. Glass parts are not covered, while wooden parts are covered as per the depreciation schedule
      • Loss or damage to accessories of the vehicle due to burglary or theft of house, not including theft of the vehicle itself at the same time

    Eligibility To Buy HDFC Ergo Bike Insurance Online:

    To avail a two-wheeler insurance policy, a few requirements need to be fulfilled by the vehicle owner. There are certain aspects that any insurance company will check before handing out an insurance policy. The eligibility criteria differs between companies, and also between purchase and renewal.

    • Registration - The bike needs to be registered with a Regional Transport Office (RTO) in the country.
    • Driver details - The person availing the policy should be of legal age to ride and have a valid license.
    • Modifications - Modifications made to the vehicle might result in insurance companies being reluctant to provide insurance cover.
    • Fitness certificate - The vehicle might need a fitness certificate, especially if it is an old bike.
    • Inspection - Depending on the vehicle, an inspection by a representative of HDFC Ergo might be required.
    • Payment - Depending on the plan chosen, a premium amount will have to be paid to avail the policy.

    Steps to Buy HDFC Ergo Two-Wheeler Insurance Policy Online:

    You can buy a two wheeler insurance policy from HDFC Ergo easily online.

    • Log on to the HDFC Ergo official website and opt for Motor Insurance .
    • Select your choice of Third-Party Liability or Comprehensive Cover.
    • You will then have an option to “Buy Now”.
    • You will be redirected to a page with three options:
      • Renew two wheeler policy from other insurer.
      • Buy insurance for two wheeler.
      • Renew HDFC Ergo two wheeler policy.
    • Select the one you wish and fill up the required details.
    • Click on “Calculate Premium” to find out how much the insurance policy would cost.
    • If you are satisfied with the price, you can go ahead and purchase the policy.
    • Once you make the payment, the policy will be issued.

    How To Make A Claim From HDFC Ergo General Insurance

    If you need to make a claim on your bike insurance policy, you can follow the steps below:

    • Register your claim with HDFC Ergo by calling the HDFC Ergo toll-free number.
    • Provide your policy number and other required information.
    • You can also register your claims on IPO (via website or app).
    • You can then send your vehicle for repair, if needed.
    • Submit your documents to the insurer for verification.
      • Claim form
      • Estimate of repairs
      • Copy of insurance policy
      • Copy of registration certificate
      • Copy of the driver’s licence of the person who was driving
      • FIR, if reported to the police
    • The insurance provider will verify your claim, and if approved, will settle the claim.
    • If you are at a garage that is within the HDFC Ergo network, you will be eligible for cashless facility. The insurer will settle the bill directly with the garage, and you will only be liable to pay for any amount that is not covered by your policy.
    • If you are at any other garage, you need to settle the bill and collect a reimbursement from HDFC Ergo.

    Renew HDFC Ergo Two-Wheeler Insurance Online in a Few Simple Steps

    If you are riding with an expired insurance policy, it is punishable by law and you will be liable to pay a fine. As per the prevailing motor laws, you must have an active insurance policy in order to ride your bike on Indian roads. In addition to this, it is generally unsafe to ride without a valid insurance policy. You could end up being liable to pay high costs in damages to your own vehicle and to third parties involved, including any damages to surrounding property, in the event that you are involved in an accident.

    To be safeguarded against these expenses, it is advisable to renew your policy on time and always have a valid insurance plan for your 2 wheeler. You can renew your policy online in a few simple steps.

    • Select your choice of Third-Party Liability or Comprehensive Cover.
    • You will then have an option to “Buy Now”.
    • You will be redirected to a page with three options:
      • Renew two wheeler policy from other insurer.
      • Buy insurance for two wheeler.
      • Renew HDFC Ergo two wheeler policy.
    • Select “Renew HDFC Ergo two wheeler policy”.
    • You need to provide your expiring policy number.
    • You can then proceed to renew your policy.
    • Pay the premium amount and your new document will be issued.

    When you renew your policy on time, it is hassle-free and much simpler. Once the policy expires, renewal might require additional inspections and other information before the insurer is satisfied to give you a policy.

    Why Deductible Is Important In A HDFC Ergo Two Wheeler Insurance Plan?

    Deductibles refers to the amount you are willing to pay in the event you incur costs in an accident involving your two-wheeler. The insurance provider will be liable to pay for the remaining amount. For example, if you opt for a 15% deductible, then you will be liable to pay for 15% of the damages caused to your vehicle or a third party. The insurer will only pay 85% of the cost, to the extent of the sum assured.

    • Choosing a lower deductible will increase your premiums, but at the time of claiming insurance, HDFC Ergo will pay a higher amount.
    • A higher deductible will lower your premiums, but this will also mean that in case of an accident, you will be liable to pay a higher amount.

    In case of HDFC Ergo, deductibles are applicable to own-damage claims. The amount is set at Rs.100 per claim made.

    What To Do If Your HDFC Ergo Two Wheeler Insurance Plan Expires?

    If you have missed the renewal date and your policy has lapsed, there are a few things you can do to remedy the situation.

    • Log on to the official HDFC Ergo website.
    • Choose to purchase a new policy.
    • Enter your details and calculate your premiums.
    • If you are satisfied with the cost of the plan, you can make the payment.
    • Once the premium is paid, the policy will be issued.

    If you wish to renew a lapsed policy, you will need to contact HDFC Ergo customer care and find out what options are available.

    HDFC Ergo Two Wheeler Insurance Customer Care Service:

    HDFC Ergo provides a customer care service round the clock to address any grievances, claim settlements, queries and complaints that customers might have.

    • Toll-free hotline - 1800 2700 700
    • Fax - 022 6638 3669
    • Email - care@hdfcergo.com
    • Address - HDFC Ergo General Insurance Company Limited

    6th floor, Leela Business Park, Andheri Kurla Road,

    Andheri (East), Mumbai - 400 059

    • You can also raise a service request using the Insurance Portfolio Organiser (IPO)

    HDFC Ergo Two Wheeler Insurance Frequently Asked Questions:

    1. Can I renew my HDFC Ergo two-wheeler insurance policy offline?

      Yes, you can do this via the following methods:

      • SMS “RENEW ” to 9999 700 700.
      • You can also renew your policy through your agent or at the nearest branch.
      • You need to send a copy of the renewal notice along with a cheque to pay the premium amount to the branch office or corporate office.
      • You can also call the toll-free number to request a renewal.
    2. How much premium do I have to pay to avail a two-wheeler insurance policy?

      Premiums depend on a number of factors such as age of the vehicle, type and model of the bike, cubic capacity, usage and previous claims made among other things.

    3. What is Insured Declared Value? Is it important?

      The Insured Declared Value or IDV refers to the market value of your vehicle. The insurer will take into consideration the prevailing market value and then decide on the sum insured for your vehicle. The reason IDV is important is if you choose a sum higher than the market value, you might end up paying higher premiums for no reason. If you choose a lower IDV, then your premiums come down but so will your insured amount.

    4. How do I know if the garage I’ve chosen is a network garage?

      HDFC Ergo provides a list of network garages on its official website. You can also contact the customer care for assistance to find out if the garage is within the HDFC Ergo cashless network.

    5. What kind of vehicle can I insure with HDFC Ergo?

      You can insure any four-wheeler or two-wheeler intended for private use.

    6. Does HDFC Ergo provide renewal reminders?

      Yes, with online purchase or renewal, you will receive regular reminders to renew your policy when the due date is approaching.

    Two Wheeler Insurance Reviews

    • HDFC Ergo Two Wheeler Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      I am using the two wheeler insurance policy with the HDFC ERGO GENERAL INSURANCE through online and it is a paperless approval. Policy coverage they provide me a basic coverage also i had no claim with this policy but it is a good policy to use.
      Was this review helpful? 0
      , jharsuguda
      Reviewed on Aug 20, 2018
    • HDFC Ergo Two Wheeler Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am holding my two wheeler policy from HDFC ERGO GENERAL INSURANCE where i had no claim experience also they have provided me a coverage of basic things where the premium for this policy is lower where i paid the premium of 21k. It is easy to manage the policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 20, 2018
    • HDFC Ergo Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding my two wheeler policy with HDFC ERGO GENERAL INSURANCE the reason behind taking the policy is it is better policy when compared to the others. I am not aware of the policy coverage what they have provided for this policy. The premium is lower when compared with the others.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 20, 2018
    • HDFC Ergo Two Wheeler Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      The reason behind taking the two wheeler policy from HDFC ERGO GENERAL INSURANCE is that my sister suggested me this policy. They also provided me a good premium with satisfactory IDV. I am not aware of the policy coverage i had no claim with this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 18, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      I have purchased this HDFC ergo policy 3 years before. I'm continuing this policy for last 3 years. Honda showroom employee has suggested me to take this policy. I can claim upto Rs. 50000. I don't know about the premium amount what i have paid. I have not faced any issues with the policy.
      Was this review helpful? 0
      , tirupur
      Reviewed on Aug 17, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      Still now i did not contact the customer care services. I have taken this two wheeler insurance policy in March month. I have paid the premium amount of around Rs. 1000. I have not faced any issues while purchasing this policy. I have not experienced the claim so far.
      Was this review helpful? 1
      , hindupur
      Reviewed on Aug 14, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Everyone must go for this other than anything"
      0.5 5.0/5 "Blown Away!"
      This is the first time i opted for HDFC ergo Two wheeler insurance. They are giving a cashless garage for me and this is an amazing benefits. I paid the premium amount of Rs. 2000 nearly. I have bought this policy in the month of June. I did not apply anything for claim till now.
      Was this review helpful? 0
      , ajmer
      Reviewed on Aug 14, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Superb policy"
      0.5 5.0/5 "Blown Away!"
      I have purchased this policy in the month of May. I have paid the premium amount of Rs. 1300. Compared with the other companies the premium amount was slightly high anyway its okay for me. They are providing the IDV value of Rs, 17000 because the bike is old nearly 10 years. Right now i don't faced any issues its going smoothly till now.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 14, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Keep working on the Good services"
      0.5 4.0/5 "Great!"
      I have not used the benefits so far. They are providing the no claim bonus and they are not providing the cashless garages and i have to visit their office for the same. I have paid the premium amount of Rs. 800 approximately. I have purchased the policy the policy in February. The services has to be improved for the cashless garages.
      Was this review helpful? 0
      , patna
      Reviewed on Aug 14, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good policy"
      0.5 3.5/5 "Pretty good"
      I have purchased this policy in the month of March. I have paid the premium amount of Rs. 1200. I don;t have any claim experience so far. I have called the customer care to get the original copy of the policy documents they have given a proper response to me. I have received the original documents at my current residential address.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 14, 2018
    • HDFC Ergo Two Wheeler Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have compared the policies from one to the others then i found HDFC ERGO GENERAL INSURANCE is better than others so i have taken it also the premium is very lower comparatively added on the IDV value is also satisfactory. I had no claim experience also they are providing basic coverage.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 14, 2018
    • HDFC Ergo Two Wheeler Insurance
      "BEST"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the two wheeler policy from the HDFC ERGO GENERAL INSURANCE is it is convenient also the process of getting the policy is easy. Once i had a claim with this policy and the process of claim is smooth also added on that the coverage of this policy is for the basic. Premium and IDV value were reasonable one. Documentation done on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 13, 2018
    • HDFC Ergo Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The reason behind taking my two wheeler insurance policy from HDFC ERGO GENERAL INSURANCE that my friend is working over there so he suggested me and i am holding it since last 4 where where the documents where submitted through online. The coverage is for 3rd party includes in this policy added on that premium what they provided is nominal when compared to others.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 13, 2018
    • HDFC Ergo Two Wheeler Insurance
      "AVERAGE"
      0.5 4.0/5 "Great!"
      I have taken taken my policy from HDFC ERGO GENERAL INSURANCE i had no such reason but the documents i have submitted through online was fast and simple process. I had no claim experience with this policy apart from that i am not aware of the premium and the IDV value of the insurance policy.
      Was this review helpful? 0
      , palakkad
      Reviewed on Aug 13, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I had a very good claim experience with HDFC Ergo. I have paid the premium amount of Rs. 1800. I'm not sure about the features and benefits of the policy. I have purchased this two insurance policy 5 months before. I'm fully happy about about the policy
      Was this review helpful? 0
      , delhi
      Reviewed on Aug 11, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Worthless policy"
      0.5 1.0/5 "Really Bad"
      I have a passion pro bike with me for that i have taken my insurance. The policy was issued by HDFC Ergo after that they have said that there is a signature mismatch. I have paid the premium amount of Rs. 1014 and it has to be refunded. I have not called the customer care services for the reversal. They have offered me a maximum claim amount of as much as possible.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 11, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Fine policy for me"
      0.5 5.0/5 "Blown Away!"
      I don't remember about the premium whatever i have paid. I have purchased this policy last year. I don't have any such claim experience so far. Anyway, Overall i'm satisfied with the policy which i have taken with HDFC Ergo for my car insurance.
      Was this review helpful? 0
      , nagpur
      Reviewed on Aug 10, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Really Good policy"
      0.5 4.0/5 "Great!"
      I have purchased this policy last year and i have paid the premium amount of Rs. 2300 for annually. I have not experienced any claim so far. I don't know about the IDV value of the policy as well as the features and benefits of the policy. Overall, I've not faced any issues in this policy.
      Was this review helpful? 0
      , rewari
      Reviewed on Aug 10, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the HDFC Ergo bike insurance for an year and there hasn't been any issues with the policy yet.I'm happy with the features that they offer considering the nominal premium amount of Rs. 3000 I pay. I have taken this insurance policy 2 months back.
      Was this review helpful? 0
      , bareilly
      Reviewed on Aug 10, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Best policy"
      0.5 4.5/5 "Excellent!"
      The premium is less when i compared with other companies. I have taken my insurance policy with HDFC Ergo almost 8 months before. They have offered me a claim amount of Rs. 30000. I will recommend this policy to everyone even though i don't have any claim experience so far.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 10, 2018
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