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  • HDFC ERGO Two Wheeler Insurance

     4.5 / 5.0   by 84 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.

    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 5 1 2 3 4 5
    • HDFC Ergo Two Wheeler Insurance
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I have taken my two wheeler insurance from HDFC Ergo. The premium is of 1300 which gets renewed on a yearly basis. The services are good as I get reminders about the payment due date. Fortunately I do not have any claims. The coverage and benefits are good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Two wheeler insurance"
      0.5 5.0/5 "Blown Away!"
      This HDFC ERGO two wheeler insurance request was placed through online portal. The premium is some what around 2500. The benefits are like third party and accidental death with a benefit of 2 lakhs. No claim experience. I had tried to contact this insurance company for the renewal and they had hardly taken 2 days to process this request.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 19, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      As far as HDFC ERGO Two wheeler insurance is concerned they require very less documentation. On the other hand, their customer service is not good it is not so easy too. No claim experience till date. Premium amount is very much affordable and I am very much happy with the renewal procedure.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 19, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Best"
      0.5 5.0/5 "Blown Away!"
      I am having two wheeler, which got insured with the HDFC ergo general insurance company and the coverage value is around 1 lakh Rupees. I would like to say that the service aspects are fine one with them, as far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 15, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Holding a 2 wheeler insurance policy with HDFC ergo for more than a year. The customer service is good with HDFC ergo.They give reminders to renew the policy every year. I paid Rs,1166 to renew the policy last year. The plan benefits and the coverage e is good with this policy ,. I am satisfied holding this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 14, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      I am having the HDFC ergo 2 wheeler insurance policy for my Activa . It is 3years policy which I bought it for Rs,2500. The customer service is good with HDFC ergo general insurance. The plan benefits and the coverage is good with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 11, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a two wheeler insurance with the HDFC ergo general insurance, I hold this policy for past 2 years. It is a 3years policy which cost around Rs,2500. The customer service is good with HDFC ergo. The plan benefits and the coverage is good with this policy. I got this policy for my bajaj 2 wheeler.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 11, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have a 2 wheeler insurance policy with HDFC ergo for more than 5yeras. This year I paid around Rs.1000 to renew the policy . I never had any claim experience. The plan benefits and the coverage are good with this policy , The reminders are sent to the mail id and the messages to renew the policy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 09, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Better Policy to use"
      0.5 4.0/5 "Great!"
      I have started using the HDFC ERGO 2 wheeler insurance policy very recently. I paid Rs.1275 to renew the policy. The plan benefits and the coverage is good with this policy . I never had any claim experience with HDFC ergo 2wheeler insurance policy. I would say I am satisfied having this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 28, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      For past 2years I am maintaining the 2 wheeler insurance policy with HDFC ergo. The customer service is good with HDFC , because they give intimations to renew the policy on time. I paid Rs.1700 to renew the policy this year,. I never had any claim experience so far . The plan benefits and the policy coverage is good with HDFC ergo.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Sep 21, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Average policy to use"
      0.5 4.5/5 "Excellent!"
      I haven't got any claim experience with my 2 wheeler insurance policy which I hold with HDFC ERGO GENERAL INSURANCE company. I paid Rs,1600 to get the insurance policy.T he plan benefits and the coverage is very good with this policy. Very recently, I got 2 wheeler insurance from HDFC ERGO.
      Was this review helpful? 0
      , hubli
      Reviewed on Sep 20, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Excellent "
      0.5 4.0/5 "Great!"
      I am having the two wheeler insurance policy with the HDFC ERGO general insurance company and its the best one because they have provided the lesser premium amount with more coverage. Customer service is also not yet experienced with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy "
      0.5 4.5/5 "Excellent!"
      This year I have renewed my policy with HDFC ERGO. I paid Rs.1100 to renew the policy this year. The customer service is good with HDFC ergo. They give reminders to renew the policy before the due date, I haven't got any claim experience , I am satisfied having the policy HDFC ergo.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 23, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      My two wheeler got insured with the HDFC ERGO general insurance company. The experience is good one with them and am using it from the last eight to ten years of time. Customer service is good one with them and the coverage value is up to the mark with the HDFC ERGO.
      Was this review helpful? 0
      , kurukshetra
      Reviewed on Aug 23, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Low premium with good service"
      0.5 4.0/5 "Great!"
      I took two wheeler insurance from HDFC ERGO for KTM duke bike it was met with an accident. Expensive value was around Rs.15,000, HDFC Ergo paid around Rs.10,000. Remaining amount of Rs. 5000, I paid from my end. I usually make the premium of around Rs. 2000 for tenure of one year.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 18, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Two wheeler insurance"
      0.5 4.0/5 "Great!"
      I had applied for the insurance through online site . i had given all the details and they had send the insurance letter online. No response from their side. No claim experience, I am supposed to renew the policy every year. I apply for the renewal manually every year on their website myself and the premium is nominal
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Average Service"
      0.5 4.0/5 "Great!"
      For past 2 years I am renewing the 2 wheeler insurance policy from HDFC ergo general insurance. I paid around Rs.600 to renew the policy last year. I don't receive any messages or mails to renew the policy before the due date, it would be great if the HDFC Ergo reminds to renew the policy on time. I never had claim experience with this policy.
      Was this review helpful? 0
      , agra
      Reviewed on Aug 16, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good insurance for bike"
      0.5 5.0/5 "Blown Away!"
      Through online I have taken bike insurance from HDFC Ergo, but I felt there is some mistake, in soft copy bike value mentioned around 90,000 but in hard copy it is mentioned only Rs. 999. Hence I should visit their office, but offered me good bike value with low premium, for two years, I paid the amount around Rs.3200.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 07, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Great"
      0.5 5.0/5 "Blown Away!"
      I do have the two wheeler insurance policy with the HDFC ERGO general insurance company . I had been with them for more than one year of time. Customer service is also a good one with them and they used to provide the regular reminders . I dont have any claim experience with them till date.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 27, 2017
    • HDFC Ergo Two Wheeler Insurance
      "Good for choice"
      0.5 5.0/5 "Blown Away!"
      I do have two wheeler insurance policy with the HDFC ergo general insurance company and I choose it depends on the premium amount. I have not faced any claims with the HDFC ergo general insurance company and the third party coverage is also applicable.
      Was this review helpful? 0
      , patna
      Reviewed on May 10, 2017
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