HDFC ERGO General Insurance offers two-wheeler insurance as part of its general insurance portfolio, covering bikes and scooters against accidents, theft, and third-party liabilities. Using your two wheeler registration number, policies can be bought or renewed instantly with minimal paperwork. HDFC ERGO bike insurance’s AI-powered claims process tool IDEAS ensures that claims are smooth and easy, making it a reliable choice for those looking for a general insurance company.
Choosing the right bike insurance is not just about compliance; it is about convenience, speed, and real financial protection when you need it most. HDFC ERGO combines affordability with smart technology to make the entire experience seamless, from purchase to claims.
Buy bike insurance online instantly using your registration number with minimal paperwork
Save on premiums with flexible plans and attractive online discounts
Doorstep repair service available through a 2000+ cashless garage network
AI-powered IDEAS tool enables quick damage assessment and faster claim settlements
Optional emergency roadside assistance for help anytime, anywhere
Affordable pricing with annual premiums starting from ₹538* (*starting price for basic third-party bike insurance policy)
| Key Feature | Details |
| Claim Settlement | AI-enabled IDEAS tool |
| Own Damage Cover | Covers accidents and calamities |
| Third-Party Cover | Covers injury and property damage |
| Add-ons | 8+ add-ons available |
| Premium | Starts ₹538* |
| Personal Accident Cover | Up to ₹15 lakhs |
| Cashless Garages | 2000+ across India |
| Roadside Assistance | Anytime, anywhere support |
| No Claim Bonus | Up to 50% |
HDFC ERGO general insurance company offers a range of bike insurance plans to protect your two-wheeler against different types of risks. Each plan is structured to suit different needs, whether you are looking for affordability, flexibility, or all-around coverage.
This plan offers complete protection by combining both own damage and third-party liability cover under one policy.
Covers damage due to accidents, theft, fire, and explosions
Protection against natural calamities like floods and earthquakes
Includes man-made risks such as vandalism and riots
Ensures financial protection for both your bike and third-party liabilities
A mandatory policy that protects you against legal and financial liabilities arising from damage caused to others.
Covers injury or death of a third party
Covers damage to third-party property (up to ₹1 lakh)
Compensation for bodily injury or death is determined by a legal tribunal
Most affordable and legally required option
This plan is designed for those who already have third-party insurance and want additional protection for their own vehicle.
Covers repair or replacement costs due to accidents
Protection against theft, fire, and natural disasters
Enhances coverage without duplicating third-party insurance
Ideal for upgrading an existing basic policy
Specially structured for new bike owners, this plan ensures long-term protection right from the start.
5-year third-party liability coverage as mandated
Annual own damage cover for the insured bike
Reduces renewal hassles in the initial years
Ensures continuous protection for new vehicles
HDFC ERGO bike insurance offers 8+ add-ons to select from:
Ensures no depreciation is deducted on replaced parts during claims, allowing full reimbursement of damaged components.
Retains the accumulated NCB even after making claims, with up to two claims allowed in a policy year without losing the benefit.
Provides 24x7 roadside support in case of breakdowns, ensuring assistance anytime and anywhere.
Offers compensation equal to the original invoice value of the bike in case of total loss or theft.
Covers repair and replacement costs of engine and gearbox parts damaged due to water ingress, oil leakage, or similar issues.
Includes expenses for consumable items such as engine oil, lubricants, and brake fluid during repairs.
Provides a fixed daily allowance if the insured bike is under repair after an insured event, for a limited duration.
Covers EMI payments if the insured vehicle remains in the garage for an extended period due to accidental damage.
Provides financial compensation in case of accidental injury or death of the owner, with optional coverage for pillion riders.
Buying or renewing HDFC ERGO bike insurance through Coverfox is a simple, fully digital process that lets you compare plans, customise coverage, and complete the transaction within minutes.
Visit Coverfox and enter your bike registration number
Instantly compare plans from HDFC ERGO and other insurers
Select the preferred plan (third-party or comprehensive)
Customise your policy with add-ons like zero depreciation or roadside assistance
Review the premium and complete a secure online payment
Policy is issued instantly and shared digitally
Enter your vehicle registration number or existing policy details
Review current coverage and make changes if needed
Compare renewal quotes and select the best option
Complete payment online in a few clicks
Renewed policy is generated instantly and sent to you
HDFC ERGO bike insurance has over 2000+ cashless network garages where the facility of cashless claims, and door-step assistance can be used. You can find these network garages on HDFC ERGO’s website under the cashless garages section. Simply enter your location details, and you will be able to find nearby cashless garages.
For queries related to two-wheeler insurance (claims, renewal, or support), you can reach HDFC ERGO General Insurance through the following:
022 6158 2020 / 011 6158 2020 (24x7 support)
Send “Hi” to 8169500500 for instant policy servicing
care@hdfcergo.com (general queries)
healthclaims@hdfcergo.com (health-related claims, if needed)
Leela Business Park, Andheri-Kurla Road, Andheri East, Mumbai – 400059
Eastern Business District (Magnet Mall), Bhandup West, Mumbai – 400078
Disclaimer: *Discount up to 85% is calculated by comparing different insurers and may vary depending on the insurer, vehicle details, location, and policy terms.
Yes, HDFC ERGO General Insurance is known for a strong and efficient claim process. It uses its AI-based IDEAS (Intelligent Damage Detection Estimation and Assessment Solution) to enable faster claim assessment and settlement, along with a large cashless garage network.
HDFC ERGO has a high claim settlement ratio (commonly reported around 98–99%+ for motor insurance), reflecting a strong track record of honouring claims.
Yes, doorstep repair service is available in select cities, allowing customers to get their two-wheeler picked up, repaired, and delivered without visiting a garage.
You can track your claim status through: Official website (using claim/policy number), Mobile app, Customer care helpline, and WhatsApp updates after claim registration.
Premiums are influenced by factors such as bike age, engine capacity (cc), location of registration, Insured Declared Value (IDV), type of policy (third-party or comprehensive), add-ons selected, and No Claim Bonus (NCB).
Yes, NCB (up to 50%) can be transferred when switching to HDFC ERGO at renewal, provided there is no break in policy beyond the allowed period.
Yes, HDFC ERGO provides insurance for electric two-wheelers, covering risks like accidents, theft, fire, and third-party liabilities.
HDFC ERGO has a large network of 2000+ cashless garages across India for convenient repairs and claim servicing.
Yes, IDV (Insured Declared Value) can be customised within a permitted range while buying or renewing the policy, which impacts both premium and claim payout.
Yes, long-term plans are available, especially for new bikes, typically offering up to 5-year third-party coverage along with own damage options.
Yes, you can switch from another insurer to HDFC ERGO at renewal without losing benefits like NCB, subject to policy continuity.
Yes, HDFC ERGO offers the “Here” App, which allows users to buy/renew policies, track claims, access documents, and manage insurance services digitally.
