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 220 users
    Used this product? Write a review >>

    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

    01
    02
    03
    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

    01
    02
    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

    01
    02
    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.

    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.

    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.

      25 October 2016

    HDFC ERGO Two Wheeler Insurance Reviews

  • Page 1 of 11 1 2 3 4 5
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My two wheeler is insured with HDFC ERGO from last 2.5 years, i am happy with the coverage value and plan benefits of this insurance policy. I pay a premium of Rs 1150 for this insurance policy and i have not claimed anything so far from this insurance.
      Was this review helpful? 5
      , lucknow
      Reviewed on Jul 31, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my two wheeler insured with HDFC ERGO from last 1 year and it is an average policy to use. A premium of Rs 3600 has to be paid every year for this insurance policy. Coverage value is not up to the mark with this insurance and i have no claim experience so far.
      Was this review helpful? 6
      , pune
      Reviewed on Jul 23, 2018
    • HDFC Ergo Two Wheeler Insurance
      "The coverage amount for accidental damage was really good. "
      0.5 3.0/5 "Satisfactory"
      In HDFC Ergo, its took 3 months to sent a hard copy to my place. The responsiveness was good in the customer care service. I'm not satisfied with the customer care because they have sent my policy to different address even though i have given my new address to them. The benefits what they giving me and the claim amount is high when i compared to other insurance policy.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Jul 23, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance policy with HDFC ERGO from last 3 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 2100 has to be paid for this insurance policy.
      Was this review helpful? 4
      , gurgaon
      Reviewed on Jul 20, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 7 years, i am happy with the coverage value of this insurance policy. A premium of Rs 800 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 17, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 6 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 1200 for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 16, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Two wheeler insurance which i got through showroom person where the premium amount is nominal one which am satisfied with that. I paid the premium amount annual through on-line banking . I have the benefits of cashless garage and theft coverage insurance.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 03, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 1 month, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 1470 has to be paid for this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken two wheeler insurance from Hdfc ergo general insurance for this. I made the payment for 2 years through on line banking . Customer service and response is good . It has good policy coverage with good policy benefits like vehicle towing and cashless garage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 17, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 3 years, i am not aware of the premium amount for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this two wheeler insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jun 11, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 2000 for this insurance and has to be renewed every year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 11, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Insurance Policy"
      0.5 3.0/5 "Satisfactory"
      I have a got policy for 7 months before. Actually, i don't have any claim experience and i have not done any service for my bike. They have cashless garage is available. I claim is depends on the damage. I will pay the premium of Rs. 1800 and it is a first party insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 05, 2018
    • HDFC Ergo Two Wheeler Insurance
      " HDFC ergo comprehensive policy"
      0.5 4.0/5 "Great!"
      From HDFC ergo i have taken a two Wheeler policy. Its a comprehensive policy. The total premium is for 6000. The customer service and response with the insurance was good but not much experienced with the policy as there is no claim experience.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 29, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with HDFC ERGO from last 2-3 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 700 has to be renewed every year for this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 28, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've insured my bike with the HDFC Ergo. I pay a premium of 2000 Per year. I do not have any claim experience with the policy and I make premium payments via net banking. Overall I never faced any hassle, I'll have to wait and see how they respond to my claim requests in future.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 28, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I hold a two wheeler insurance with HDFC ERGO from last 3 years, i have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy. A premium of Rs 1140 has to be paid every year for this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 28, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I have a Bajaj Platina which is insured with the HDFC Ergo insurance. I Never had any claim experience with the policy. I'll have to wait and see how they respond to my claim request in future. I never had any issues with the policy and their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I've a Bike Insurance with the HDFC Ergo which I bought for my Honda Dio. I never had any claim experience with the policy. I make a payment 1200-1300 per year for this policy and everything is done online for this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I've three bike insurances from HDFC Ergo, one of them is for my Royal Enfield Bullet. I never had any claim experience with the policy. I applied for the policy online never had any issues with their services. I'll need to wait and see how they respond to my claim requests in future.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2018
    • HDFC Ergo Two Wheeler Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      The two Wheeler insurance policy is good to use from the HDFC ERGO. The customer support service and the response is good with the HDFC ergo. They give reminders on time to renew the policy before the due date. I have paid Rs,2000 to renew the policy last time.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on May 18, 2018
    Common Loader Icon
    Page 1 of 11 1 2 3 4 5
     Loading your search... Loading your search...
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.