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Choose your Insurance just like you chose your ride
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HDFC ERGO Two Wheeler Insurance

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd. an Indian Housing finance institution and ERGO International AG an insurance entity of Germany's Munich Re group. It offers a wide range of insurance policies for motor, health, personal accidents, travel and home & HDFC ERGO rural plan.

Features of HDFC ERGO

Two wheelers are ideal, efficient & quick when it comes to travelling in a busy city. If you are a bike riding enthusiast who loves travel excursions you need to ensure that you also ride safely as it does involve some risks. Getting bike insurance is legally must for everyone who owns a two wheeler vehicle.

Even if you ride safely it is very crucial to buy two wheeler insurance since it safeguards you financially from a large number of situations.

Comprehensive Coverage

HDFC ERGO's bike insurance policy offers a comprehensive coverage which ensures complete accountability when it comes to buying insurance for your two wheeler vehicle

It provides a mandatory personal accident cover of 1 lac to the driver or the owner of the vehicle. This cover mainly includes permanent total disability and accidental death.

The policy also covers legal liability which rises due a death or injury of a third party involved in an accident and also property damage caused during the accident.

The comprehensive coverage also offers a compensation in the case of loss or damage to your two wheeler caused by external sources which include fire, explosion, self-ignition, and naturally occurring events such as Earthquake, Flood, Storm, Landslide or Rockslide etc. It also offer damage cover in the case of terrorism, riots, strikes, malicious acts.

Some of the optional covers offered with the policy are as follows:-

  • Personal Accident cover for owner driver

  • Personal Accident cover for Named / Unnamed Passengers

  • Personal Accident cover for Unnamed Pillion Passengers

Insurance Premium

The bike insurance premium is calculated on the basis on a number of parameters which mainly include the following:-

  • Fuel Type

  • Place of Vehicle Registration

  • Age of the Vehicle

  • Type of Vehicle

  • Policy Sum Insured or the IDV (Insured's declare value)

Discounts Offered

This policy offers discounts to people holding membership of recognized automobile associations. If you have Automobile Research Association of India verified antitheft devices you are eligible for a discount while paying your premium. It also offers discounts for specially designed vehicles designed for the blind and the differently abled people. The no claim bonus for this policy is provided every claim free year basis the slab as per the traffic applicable.

Policy Exclusions

The comprehensive cover under the policy won't cover the following:-

  • Normal wear & tear, mechanical issues or electrical failure or breakdown

  • Two wheeler damage by a person driving without a valid license

  • Compensation for damage caused by a person driving the vehicle under the influence of drugs or alcohol

  • Loss or damage of vehicle caused by nuclear attacks, war or mutiny

  • Damage of tubes & tyres

  • Damage caused to your two wheelers accessories during a burglary or theft

Claim Settlement

Cashless Garage Network - The Company has a network of around 2000+ garages.