HDFC ERGO Two Wheeler Insurance
HDFC ERGO offers bike insurance plans including Comprehensive, Standalone Own Damage, Long-Term, and Third-Party Liability coverage. Key benefits include Zero Depreciation Cover, Emergency Road Assistance, and No Claim Bonus Protection. Additionally, HDFC ERGO has a high claim settlement ratio of 91.23%, which assures that your claims will be resolved quickly and efficiently.
HDFC ERGO provides different bike insurance options, including comprehensive, standalone own damage, long-term comprehensive, and third-party liability. The HDFC ERGO Two-Wheeler Insurance plan offers several features such as Zero Depreciation Cover, Emergency Road Assistance, and No Claim Bonus Protection. Additionally, HDFC ERGO has a high claim settlement ratio of 91.23%, which assures that your claims will be resolved quickly and efficiently.
Key Features of HDFC ERGO Two Wheeler Insurance
Feature | Details |
Network Garages | Access to 7,600+ cashless garages |
Premium Savings | Save up to 75% on insurance premium |
Emergency Assistance | Available 24x7 |
Claim Settlement Ratio | 91.23% |
Third-Party Cover | Coverage up to ₹1 lakh |
Personal Accident Cover | Coverage up to ₹15 lakhs |
Zero Depreciation Cover | Claim full cost of replacing depreciable parts without out-of-pocket expenses |
Emergency Road Assistance | Services like refuelling, towing, and mechanic arrangement |
No Claim Bonus Protection | Protects cumulative discount on premium from dropping to zero after a claim |
What Is Covered Under This Two-Wheeler Insurance Plan?
HDFC ERGO's two-wheeler insurance covers both Own Damage and Third-Party Liability. You can also opt for a long-term policy of 2 or 3 years for extended protection.
Coverage Type | What It Covers |
Own Damage | Loss or damage to your bike due to fire, explosion, earthquake, flood, storm, theft, riot, accident, terrorist activity, or damage during transit |
Third-Party Liability | Legal liability for bodily injury, death, or property damage caused to a third party |
Personal Accident Cover | Accident coverage for the owner/driver of the insured vehicle |
Optional Add-on Cover | Covers electrical and non-electrical accessories like sirens, buzzers, seats, leg guards, etc. |
How to Save on Your Premium with NCB
- NCB is a discount on the next year's premium for not making any claims
- The discount increases with each consecutive claim-free year
- 1st claim-free year = 20% discount on next premium
- 5 consecutive claim-free years = up to 50% discount
- Extra discounts available for Automobile Association of India members
- Additional discounts for choosing a long-term policy
- Multi-year policyholders enjoy greater NCB savings and lower third-party insurance costs
Exclusions: What Is Not Covered Under This Policy
HDFC ERGO Two-Wheeler Insurance comes with certain exclusions that are not covered under the policy. The insurance policy does not cover mechanical or electrical breakdown of the vehicle, wear and tear or ageing of the vehicle, and depreciation. Deliberate accidental loss, driving under the influence of alcohol or drugs, consequential loss, and damage caused by or to a person who is driving without a valid license is also not covered under this policy. It is important to go through the policy document carefully to understand all the exclusions before purchasing the policy.
How to Purchase/Renew HDFC ERGO Bike Insurance Online
- Step 1: Visit Website – Go to the HDFC ERGO official website
- Step 2: Enter Bike Details – Provide your bike's registration number and details
- Step 3: Choose a Plan – Compare and select the best plan for your needs
- Step 4: Add Add-ons – Choose optional covers like Zero Depreciation or NCB Protection
- Step 5: Make Payment – Pay the premium securely online
- Step 6: Get Policy – Receive your policy document instantly via email
How to File a Bike Insurance Claim: Step-by-Step Process
Follow the steps given below to claim HDFC ERGO Two-Wheeler Insurance:
- Step 1: Inform Your Insurer – Notify HDFC ERGO immediately after the accident or incident
- Step 2: File an FIR – Register a police report (required for theft or third-party claims)
- Step 3: Document the Damage – Take photos of your bike and the accident scene
- Step 4: Submit Your Claim – Fill out the claim form and submit it with required documents
- Step 5: Vehicle Inspection – A surveyor will inspect your bike to assess the damage
- Step 6: Repair Your Bike – Take your bike to a network garage for cashless repairs
- Step 7: Claim Settlement – HDFC ERGO approves and settles the claim directly with the garage
Contact Information | |
Website | www.hdfcergo.com |
Toll-Free Number: | 022/0120-6234 6234 |
FAQs on HDFC ERGO Two Wheeler Insurance
- What is HDFC ERGO Two-Wheeler Insurance?
HDFC ERGO Two-Wheeler Insurance is a type of general insurance policy offered by HDFC ERGO, a prominent insurance company in India.
- What are the key features of HDFC ERGO Two-Wheeler Insurance?
HDFC ERGO offers 7,600+ cashless garages, up to 75% premium savings, 24x7 assistance, and a 91.23% claim settlement ratio, along with covers up to ₹15 lakhs and add-ons like Zero Depreciation and NCB Protection.
- What does IDV mean in a two-wheeler insurance policy?
IDV (Insured Declared Value) is your bike's current market value after depreciation, and it is the maximum amount the insurer pays if your bike is stolen or totally damaged.
- What is the claim settlement process for HDFC ERGO Two-wheeler insurance?
The claim settlement process for HDFC ERGO Two-wheeler insurance is very simple and easy. You can register your claim by calling the HDFC ERGO toll-free number, sending an email, or visiting the nearest HDFC ERGO branch.
- What options do I have for add-on covers?
Depreciation-Free Coverage Two-wheeler insurance policies typically pay claim amounts after depreciation. However, with a zero-depreciation cover, there are no deductions, and you receive the full sum! However, the expenses for batteries and Tyres are not covered by zero depreciation.
- What are the benefits of renewing HDFC ERGO bike insurance online?
Online renewal is convenient, fast, and paperless, allowing you to renew from home with quicker approvals. It also makes it easy to compare various plans and choose the best one for your needs.
- What does bumper-to-bumper coverage or zero depreciation insurance mean?
Zero Depreciation is an add-on cover that allows you to claim the full repair cost without any depreciation deduction. You only need to pay the excess or deductible as mentioned in your policy document.
- What happens to my No Claim Bonus if I renew my two-wheeler insurance coverage after it has expired?
Up to 90 days after the prior policy's expiration date, the no-claims bonus is still good. The No Claim Bonus will become 0% and no advantage will be carried over to the renewed policy if the policy is not renewed within 90 days.
- Which kind of insurance can I choose for my two-wheeler?
Two-wheeler insurance comes in two types — Comprehensive (covers own damage, theft & third-party) and Third-Party (covers only others' damage, mandatory by law).
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