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

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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.

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    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 6 1 2 3 4 5
    • HDFC Ergo Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have got the Two wheeler insurance policy with HDFC ergo around 2 years ago. The customer support is good with HDFC ergo, they will give me reminders to renew the policy before the due date. I paid Rs,1400 to renew the policy last year. I never had any claim experience with the HDFC ergo 2 wheeler insurance policy .
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 21, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good policy to hold"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with HDFC ERGO GENERAL INSURANCE. I have been using this two wheeler insurance for almost 5 years and renewing it regularly without any fail. Annually I pay Rs. 1100. Till now I didn't have any claim experience with them.
      Was this review helpful? 0
      , jammu
      Reviewed on Nov 20, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy to hold"
      0.5 3.0/5 "Satisfactory"
      I have my two wheeler insurance with HDFC ERGO GENERAL INSURANCE. I have been using this two wheeler insurance for almost 2 to 3 years and renewing it regularly without any fail. I'm not really sure how much I pay them annually. Till now I didn't have any claim experience with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 20, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good "
      0.5 5.0/5 "Blown Away!"
      I have insured my two wheeler with the HDFC ergo general insurance company and the customer service is good one for me, also I can interact with them on minimal basis because till now, I have not faced any claims with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with HDFC for my two wheeler insurance service I applied through online and the payments where very easy process through online and I am paying around 1200 yearly it was been three months I have started to use the service from HDFC it was a excellent experience with HDFC for my two wheeler insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Pretty good"
      0.5 5.0/5 "Blown Away!"
      I have insured my the two wheeler with the HDFC ergo general insurance company and the response is good one for me, also their plan benefits are good one too. I am happy with the HDFC ergo general insurance company.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 15, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Average policy to use"
      0.5 4.0/5 "Great!"
      The customer support is average with HDFC ergo, they dont give any reminders to renew the two wheeler insurance policy. I got the HDFC ergo 2 wheeler insurance policy a year ago, the policy coverage and the plan benefits are good with the HDFC ergo 2 wheeler insurance policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 14, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken two wheeler insurance with hdfc bank.The premium is 1300 per year,collection agent will visit and get the payment from my place.the customer service is good and i get a policy coverage up to 2 lakhs.I would not recommend because the cost of the insurance is low comparatively.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 13, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I use the HDFC ERGO 2 wheeler insurance policy for past 8months. The customer supoport is good with HDFC bank. I paid Rs,1500 to get the insurance policy. I dont have any claim experience with this policy. I am satisfied using the HDFC ergo 2 wheeler insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have the 2 wheeler insurance policy with HDFC ergo for past 2 years. The customer support is good with HDFC ergo ,they give reminders to renew the policy on time. I paid around Rs,1500 to renew the policy last year. I am satisfied having the 2 wheeler insurance policy with HDFC ergo.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 13, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Better Policy to use"
      0.5 4.0/5 "Great!"
      HDFC ERGO has offered me a two wheeler insurance policy . I got this policy for past 3yeras. The customer support is good with HDFC ergo, they give good reminders to renew the policy. I paid Rs,1350 to renew the policy last year . It is policy to use.
      Was this review helpful? 0
      , guntur
      Reviewed on Nov 11, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a two wheeler insurance service with HDFC the customer service was awesome WITH HDFC for my two wheeler insurance service, the payments where through online the customer service is good ,I never had any issue with HDFC for my two wheeler insurance service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 10, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I bought a policy with HDFC ergo very recently .I got 2 wheeler insurance policy with HDFC ergo. I paid Rs,5000 towards this policy. The customer support is good with HDFC ergo. The plan benefits and the policy coverage is good with this policy.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on Nov 10, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      Holding the Two wheeler insurance policy with HDFC ergo. I paid Rs,1100 to get this policy and i got this policy very recently and I haven't got any claim experience with this policy . The plan benefits and the coverage is good with this policy , The premium is low when compared with other insurance policies.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 10, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Need more discounts"
      0.5 4.0/5 "Great!"
      I am using HDFC Ergo for the past 6 months. It was a good experience. I pay approximately 1600 rupees yearly. The payment made through online. I have taken this policy through online. Since I am a privilege customer of HDFC, I have decided to go with HDFC Ergo. I don't have any claim experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 09, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good insurance for Two wheeler"
      0.5 4.0/5 "Great!"
      Generally I took the two wheeler insurance from HDFC Ergo, I used make the premium of Rs.1423 on yearly basis it gives coverage value 100% on initial stage, now they reduced it based on the age of vehicle. I have Honda Activa worth around Rs. 64,000. Third time I had renewed the policy with HDFC ERGO.
      Was this review helpful? 0
      , nagpur
      Reviewed on Nov 07, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Service from HDFC ERGO for my two wheeler insurance was good it have been three years I have availed theIR service from HDFC ERGO, but I have never used their service till now and the payments were payed through online. It was a fine experience from HDFC ergo for my two wheeler insurance service.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Nov 01, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken the service directly from my nearby service provider in showroom it was been two years I am using the service and yearly I am paying 5k as my premium amount and I have taken the service before GST implementing it was a very good experience with HDFC for my two wheeler insurance service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 30, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good policy to use"
      0.5 3.0/5 "Satisfactory"
      I use the HDFC ERGO two wheeler insurance policy for past 6years. The customer support was good with HDFC ergo. They give reminders on time to renew the policy. I paid Rs,3000 to renew the policy last year. The plan benefits and the coverage is good with this policy.
      Was this review helpful? 0
      , surat
      Reviewed on Oct 29, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good Insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken my two wheeler insurance with HDFC Ergo which was recommended by my friend. I am happy with the service. They have collected the id proofs and a cancellation cheque for this insurance. The payment made through net banking.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 27, 2017
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