Insurance is like a spare tyre. You may not require it, but not having one is not an option.
Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • HDFC ERGO Two Wheeler Insurance

     4.5 / 5.0   by 132 users
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    Plan Benefits

    Policy Coverage

    Customer Service

    Claim Experience

    In today’s world, two wheelers are the best mode of transport when we think about avoiding traffic hassles and eventually helps us to save a lot of time. However with the convenience of an easy ride, two-wheelers come with higher risks of accidents. Having a two wheeler insurance policy is a must for every rider. Every individual should be covered sufficiently to meet unforeseen emergencies and have a stress-free ride.


    Key Benefits Of HDFC ERGO Two Wheeler Insurance

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    Cashless Claim Networks

    Cashless Claim Networks

    Cashless claim service is available at authorised network garages across India

    Discounts

    Discounts

    A discount of 5% is provided to policyholders aged between 36 - 45 years. For policyholders aged between 46 - 60 years, a discount of 10% is given.

    Accidental Cover

    Accidental Cover

    Policyholders can get a cover of up to Rs. 1 lakh as personal accident coverage for accidental death or permanent disability.


    Add-on Covers For HDFC ERGO Two Wheeler Insurance

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    Third Party Cover

    Third Party Cover

    The maximum cover for third-party property damage will be Rs. 1,00,000 in the case of two-wheelers

    Personal Accident Cover

    Personal Accident Cover

    Personal accident cover provided for the two-wheeler owner, passengers who are named or unnamed in the policy, and pillion passengers. Maximum amount of Insured Declared Value (IDV) will be paid when the policyholder makes a claim.


    Inclusions And Exclusions In HDFC ERGO Two Wheeler Insurance

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    Inclusion

    Inclusion

    Loss or damage to the insured vehicle due to fire / earthquake / flood / cyclone

    Exclusion

    Exclusion

    Damage by a person driving under the influence of liquor / alcohol / drugs


    HDFC ERGO offers an all-inclusive two wheeler insurance policy with multiple add-ons, third party insurance coverage and personal accident cover to ensure that the owner has complete protection. Customers can easily procure an HDFC ERGO bike insurance policy online at the company’s official website. HDFC ERGO offers an instant online policy at competitive prices along with personalized services. Customers can also renew their existing policies on the HDFC ERGO website.

    Features & Benefits of HDFC ERGO Two Wheeler Insurance

    As a valued asset, a two-wheeler should be protected against damages occurring due to accidents and other emergencies. Two wheeler owners can enjoy a safe ride with HDFC ERGO’s comprehensive bike insurance policy, providing maximum coverage.

    The key features of an HDFC ERGO two wheeler insurance policy are given below for your reference -

    HDFC ERGO Two Wheeler Insurance Coverage

    An HDFC ERGO two wheeler insurance policy includes three types of comprehensive covers for a rider namely -

    Coverage for loss or damages to vehicles caused by any of the below given events -
    • Accidents
    • Burglary / House Break-ins / Theft
    • Incidents of fire / Explosions / Lightning
    • Acts of Terror / Riots / Other Malicious Acts / Strikes
    • While in transit by any mode of transport - rail, road, water or air
    • Storms / Earthquakes / Landslides / Floods
    Third Party Liability Insurance

    HDFC ERGO’s two wheeler insurance policy also provides coverage for any legal liability against third party injury or death and third party property damage due to accidents involving the insured vehicle.

    Personal Accident Cover

    Personal Accident cover is also provided by the two wheeler insurance policy for the vehicle owner for up to Rs 1 lakh covering accidental death and permanent disability.

    Apply for Personal Loan

    Exclusions

    • General wear and tear
    • Damages done to vehicles driven by individuals who do not have a valid driving license.
    • Mechanical / Electrical breakdowns
    • Damages done to vehicles driven by individuals under the influence of alcohol or drugs.
    • Depreciation
    • Loss or Damages to vehicles due to wars and other nuclear risks.
    • Tyre damages / Tube damages are covered if the vehicle is also damaged at the same time. The company’s liability is limited to 50% of the cost of replacement of tubes.
    • Loss or Damages to vehicles happening outside India.

    Add-On Covers for HDFC ERGO Two Wheeler Insurance

    Hdfc Ergo Two Wheeler Insurance Coverage

    The following optional covers are provided by HDFC ERGO with an additional premium payment.

    Personal Accident coverage for -

    • Two-wheeler owners
    • Passengers - Named or Unnamed in the policy
    • Pillion Passengers - Unnamed in the policy

    Sum Insured -

    The sum insured or the coverage amount for a two wheeler is generally determined based on the manufacturer’s listed selling price after the deduction of the depreciation value for each year or the Insured’s Declared value (IDV). When there is a claim made for Total loss or theft, the IDV would be the maximum amount paid.

    Premium -

    The premium for an HDFC two wheeler insurance policy is decided based on the following factors -

    • The Sum Insured or the Insured’s Declared Value (IDV).
    • The type of vehicle that is being insured.
    • The age of the vehicle insured.
    • The place of registration of the insured vehicle.
    • The type of fuel used in the insured vehicle.

    How do I apply for an HDFC ERGO Two Wheeler Insurance Policy?

    HDFC ERGO customers have two options to apply for a two wheeler insurance policy. They can do so by directly visiting any HDFC General Insurance branch and submit the filled-in application along with the documents required. The first premium has to be paid in the form of a cheque at the branch office.

    Customers can also easily buy or renew their policies online using the HDFC ERGO website in just three simple steps. While applying for a new policy, customers can initially calculate the premium they need to pay and understand how much the two wheeler policy would cost them. Then they need to fill in their personal details, vehicle details, select add-ons and pay their first premium online using their debit/credit cards or via net banking. A new policy is generated instantly from HDFC ERGO as a PDF copy.

    Claims Process

    HDFC ERGO policyholders can quickly register for two wheeler insurance claims by calling up the 24/7 HDFC ERGO customer care helpdesk and get their claim number generated. Customers can either opt for a cashless claim at any of the network garages or apply for a reimbursement claim from HDFC ERGO. They will need to provide details of the accident, FIR report, a repair estimate (for reimbursement claims), and the filled-in claim form along with other documentation to the company. Policyholders need to bear the cost incurred for non-accident related repairs, deductibles and depreciation. The remaining amount will be compensated by HDFC ERGO and reimbursed to the customer.

    HDFC ERGO Bike Insurance Renewal Online

    HDFC ERGO two-wheeler insurance policyholders can easily renew their policies online using the HDFC ERGO General Insurance website. Policy renewal can be done using two different processes depending on the requirement of the customer. HDFC ERGO will also send a correspondence to customers intimating them about the impending renewal.

    Instant Renewal Process

    The instant renewal process requires only the policy number to be provided and the existing two-wheeler insurance policy is renewed instantly. The customer gets an update on the spot.

    General Renewal Process

    This is a slightly elaborate renewal process where the customer has to initially enter the existing policy number. After that customers will be able to view their two-wheeler policy details and understand how much premium they will be paying to renew their policies and what additional benefits would they be enjoying when they get the updated policy. After determining the premium and benefits, customers can pay the required premium for renewing the policy using their credit cards or via net banking. An updated pdf copy of the policy document is generated instantly for the perusal of the customer.

    How to buy HDFC Ergo Two Wheeler Insurance online?

    For enhanced convenience of customers, HDFC Ergo offers the facility of buying two wheeler insurance, online. Customers can easily buy a two wheeler insurance policy from HDFC Ergo by simply following a few easy steps. The process is quick and hassle-free, too. Now you can sit inside the comfort of your home/office and buy the best two wheeler insurance policies to protect your bike/scooter from any dangers and unforeseen circumstances. You just have to provide some basic information about yourself and the vehicle to be insured. The company’s online portal also provides you with the necessary means to calculate the premium amount, and pay online.

    Once you have logged on to the company’s official portal, just choose the ‘buy insurance for new two wheeler’ option. Customers also get the option of renewing HDFC ERGO two wheeler insurance policies or renew their two wheeler insurance with the HDFC Ergo by transferring it from another insurer. Fill in all the details required in the form, correctly, and choose additional covers (i.e if you want any). This will be followed by you providing your correct contact details to calculate the premium amount, and accepting the terms and conditions of the policy. Once the calculation is done, the final amount to be paid will be reflected on your computer/laptop screen. To proceed with the transaction, just click on ‘buy’, and choose any mode of payment, according to your convenience, using your debit card/credit card (both Visa and MasterCard are accepted) or Net Banking. Once the payment process has been completed with the help of secured payment gateway, you have successfully bought your two wheeler insurance policy. A new policy is generated instantly from HDFC ERGO as a PDF copy.

    HDFC Ergo Bike Insurance FAQs

    1. How long is the HDFC ERGO Two Wheeler Insurance policy valid?

      The policy is valid for 12 months from the policy start date. If you’re renewing the insurance, make sure it is done well in advance (at least 10 days before expiration) to ensure continuity in cover and to avoid inspection charges.

    2. What is IDV(Insured Declared Value)?

      The IDV is a fixed value of the two wheeler which is ascertained during the policy commencement by the insurance company. It is deemed as “Sum Insured” and for all practical purposes, this will the value of the vehicle after depreciation. A fixed percentage of depreciation is deducted from the IDV every year before commencement of the policy term.

    3. How much is the sum assured under the Personal Accident Cover option for the two wheeler insurance provided by HDFC ERGO?

      The company provides a cover of up to Rs.1 lakh which covers both the rider and their pillion.

    4. Are there different insurance policies available from HDFC ERGO for Motorcycles?

      The company provides both Liability Only and Comprehensive cover for two wheelers. The former covers liability arising out of damage/loss to third party person/property caused by the insured vehicle whilst the latter covers damage/loss to both third party and insured vehicle along with the occupants.

    5. I was reading the fine print of my HDFC ERGO insurance policy and came across the term “Total Loss”. What does it mean?

      It refers to extent of damage to your two wheeler due to an accident where the costs of repair and replacements amounts to more than 75% of the Insured Declared Value(IDV), provided in the policy.

    6. How does the claims process work? My motorcycle was damaged in an accident?

      Firstly, contact the claims center on 1800-2-700-700 at the earliest to register a claim. If the accident involved damage or injury to a third person/property, a copy of the FIR is a must. After initiating the claim, take the two wheeler to the nearest garage if it requires repair. A Surveyor representing HDFC ERGO will visit the garage to take a stock of the damages.

      The cost of repairs will be directly settled by the company if they were carried out at a network garage. You can claim a reimbursement if the repair work was done at a non-network garage.

    7. I am excited with the features of HDFC ERGO Two wheeler insurance policy. Can I switch over from another insurer? 

      Yes, you can. You can renew motor insurance policies issued by a different insurer that allows you to switch over. This option is available on the web portal.

    8. What is a Cover Note?

      It is a document issued by HDFC ERGO which acts as documentary proof during registration of the vehicle. Insurance is mandatory for registration and the cover note certifies issuance of the insurance which is later replaced by the actual insurance policy.

    9. Is there a discount on the premium provided by this insurer based on the age of the owner?

      Yes. A discount of 5% is provided if the age of the insured is between 36 to 45 years and 10% if it lies between 46 to 60 years. This discount is provided on the Own Damage Section.

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    News About HDFC ERGO Two Wheeler Insurance

    • RenewBuy partners with HDFC Ergo to launch multi-year insurance plans

      RenewBuy an online platform for automobile insurance has announced its partnership with HDFC ergo, to launch long term two wheeler insurance plans. The new insurance policy will cover all the major risks associated with two wheelers such as theft, damage and third party liabilities, for periods ranging from 1 to 3 years. Even in the case of renewals after policy lapse, customers will not have to bring their vehicles for inspection. According to Balachandra Sekhar, the CEO of RenewBuy, his company believes in extended use of technology to serve the auto-insurance segment of the country. This partnership with HDFC Ergo aims to change the customary practices of auto-insurance and to be a convenient option for vehicle owners.

      25th October 2016

    HDFC ERGO Two Wheeler Insurance Reviews

  • Page 1 of 7 1 2 3 4 5
    • HDFC Ergo Two Wheeler Insurance
      "Best banking"
      0.5 4.0/5 "Great!"
      I have taken Two wheeler Insurance with HDFC bank.The premium amount is 900 laid per annum through an agent.The policy coverage amount is 30,000.I have no claim experience with them.The website is good and convenient to use.The executives are the best in response.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 14, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      I got the HDFC ergo health Insurance policy along the two wheeler loan . The customer support is good with the HDFC ergo. I paid Rs,700 to get the insurance policy to the HDFC ergo and this policy has the tenure of 1 year. The plan benefits and the policy coverage is good with the HDFC ergo.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good protection for two wheeler"
      0.5 5.0/5 "Blown Away!"
      I am very happy with HDFC ergo insurance, hence I took bike insurance from HDFC ERGO, I paid Rs. 4500 for three years of bike insurance. They gave me 1 lakh of life cover and they are providing 70 to 80% of bike cover according to the vehicle age. I insured pulsar 150, worth Rs. 86,000.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 13, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have two wheeler insurance with HDFC ERGO from last 6 months and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 2600 for this policy. I do not have claim experience with this insurance so far. I am happy with the coverage amount in this policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Average policy to use"
      0.5 3.0/5 "Satisfactory"
      I haven't got much experience with the HDFC ergo General insurance policy and the customer support is average with the HDFC ergo, but I get call backs on time to renew the policy before the due date. I have paid Rs,1200 to get the HDFC ergo 2 wheeler insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      My two wheeler insurance was taken with HDFC Ergo before 4 months. It was a online process so it is very convenient. The Services are good. I don't have any claim experience till now. The policy coverage and plan benefits are good. I paid around 2300 rupees for 2 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have insured my two wheeler with the HDFC ergo general insurance company. I would like to say that the premium amount is nominal one. I have not faced any claims with them till now. Everything is good one with the HDFC ergo general insurance company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2017
    • HDFC Ergo Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Hdfc ergo two wheeler insurance service was good ,the documents have been collected directly from the showroom and yearly I am paying 1100 as a premium for my bajaj discover 125 cc bike also the customer support was good it was a good experience with hdfc ergo two wheeler insurance service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 11, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Average policy to use"
      0.5 4.0/5 "Great!"
      The HDFC ergo 2 wheeler insurance policy has been renews by for 3 years. I paid Rs,1400 to renew the policy with the HDFC ergo. The claim amount is less with the HDFC ergo , so that was the reason I have changed the policy with Reliance general insurance policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good Protection for Bike"
      0.5 5.0/5 "Blown Away!"
      I took bike loan from HDFC, hence they gave me bike insurance from HDFC Ergo. Yearly they take 4000 to 5000 for two bike insurance. They are providing 100% of coverage, I have received both the policy copies of bike insurance, even I could view my insurance details through their website.
      Was this review helpful? 0
      , guwahati
      Reviewed on Dec 05, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have my two wheeler insurance with HDFC Ergo from last 2 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1000 on yearly basis. I do not have any claim experience so far. I am satisfied with the coverage amount of this insurance policy and the response from the customer service was good.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 04, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Average policy to use"
      0.5 4.0/5 "Great!"
      My two wheeler got insured with the HDFC Ergo. I have this policy for past 2 years. The plan benefits and the coverage are good with this HDFC ergo 2 wheeler insurance policy. I would like to say it is good to have the 2 wheeler insurance policy with the HDFC ergo.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 04, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Two wheeler Insurance with Hdfc bank.I have been using the policy for last 5 years.I pay a premium of 1700 every year.I get a good response from the customer service.the website is easy to understand and navigate.I am overall happy with the policy scheme.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Its Better"
      0.5 5.0/5 "Blown Away!"
      HDFC ERGO gave me 80% of cover on my Honda activa worth Rs. 80,000, its mandatory to have policy, Hence I took bike insurance from them. But I am not sure about the benefits of the policy coverage. My showroom insisted for the HDFC ERGO policy..
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 02, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Bumber to bumber"
      0.5 3.0/5 "Satisfactory"
      I have taken a two wheeler insurance from HDFC ERGO GENERAL INSURANCE. Yearly i have to pay 19000. Its a bumber to bumber policy which cover the whole part of the vehicle. Their was no documentation. The customer executive gave me good response.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 01, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Average insurance policy"
      0.5 3.0/5 "Satisfactory"
      I have a two wheeler insurance with HDFC Ergo General Insurance from last 2 years. This policy has to be renewed every year. I pay a premium of Rs 1100 every year by cash. I do not have claim experience so far. I am satisfied with the policy coverage and plan benefits. Customer service was good and they were responsive.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 01, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have chosen HDFC Ergo, they have a good claim policy and claim bonus is also good. I am paying around 2000 rupees yearly through net banking. The payment method is convenient. I am using the service for more than 4 to 5 years. I do get a statements to my email address.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 28, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Better Insurance"
      0.5 4.0/5 "Great!"
      I never had a claim experience with them at all. But the Coverage offered by them is pretty decent. I paid Rs.1350 as the premium for the Insurance, the would give a semi coverage insurance. This is also an Third Party Insurance. This is a decent Insurance but I feel their are better ones in the Market.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 28, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      My two wheeler insurance was taken HDFC Ergo through online channel. Generally I will go for the company who provide a good vehicle value and lower premium. I paid 1100 rupees for the insurance. I do get a reminder mail to renew the policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 27, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance with HDFC ERGO from last 8-9 months and this policy has to be renewed every year. I pay a premium of Rs 9000 on annual basis through online. I do not have claim experience with this insurance. Customer service was good and they are very helpful. The benefits are also good in this policy.
      Was this review helpful? 0
      , lucknow
      Reviewed on Nov 27, 2017
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