HDFC ERGO Two Wheeler Insurance

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HDFC ERGO Two Wheeler Insurance

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HDFC ERGO Two Wheeler insurance is a comprehensive bike insurance plan offered by HDFC ERGO General Insurance Company. The insurance company is a joint venture between HDFC Bank and ERGO of the Munich Re Group.

With over 6800+ cashless garages, HDFC ERGO provides a wide range of bike insurance plans such as comprehensive two wheeler insurance, standalone own damage, long term comprehensive bike insurance and third party liability two wheeler insurance. The latest service provided by HDFC ERGO is jumpstarting your motorbike. In case your bike has not been utilised due to the lockdown, you can avail the HDFC ERGO JumpStart service to restart your vehicle.

Add-on Features of HDFC ERGO Two Wheeler Insurance

Zero or Nil Depreciation Cover

It provides you to claim the full cost of replacing vehicle’s depreciable parts, such as plastic, rubber, metal, etc. except tyre(s) tube(s) damaged in accidents without having to pay from your pocket.

Emergency Road assistance

  • It provides you services like refueling, towing, change of flat tyre(s), arranging for a mechanic's services
  • No Claim Bonus Protection (Only for 2 or 3 long-term policy):
  • This add-on cover is only for a long-term policy plan. If you opt for a 2 or 3 year plan you can add this cover as a top-up to your core policy.
  • No Claim Bonus is a discount offered by the HDFC ERGO. It’s a cumulative in nature that is, the discount keeps on increasing with number of no-claim years. If you do not lodge any claim throughout the year, you get 20% of discount on the premium of 2nd year. - Likewise, 25% for the 3rd year and up to 50% for the 5th year if you do not lodge any claim.
  • But if at any time you lodge a claim this No Claim Bonus comes down to zero.
  • HDFC ERGO provides a special add-on cover to protect this discount sliding down straight to zero with this No Claim Bonus Protection add-on cover for a two wheeler policyholder.

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Key Benefits of HDFC ERGO Two Wheeler Insurance

HDFC ERGO Two Wheeler Insurance Coverage

HDFC ERGO insurance policy for two wheeler covers Own Damage Two Wheeler insurance and Third-party liability insurance, additionally you can also, opt for long-term policy for 2 or 3 years which would help you as a two wheeler owner at the time when needed – in case of any accident or mishaps.

Own Damage

HDFC ERGO two insurance policy will protect you against any loss or damage to the two wheeler and its accessories during the following events:

  • Fire, explosion, self-ignition or lightning
  • Earthquake, flood, typhoon, hurricane, storm, tempest, inundation
  • Cyclone, hailstorm, frost, landslide, rockslide
  • Burglary, theft, riot, strike, malicious act
  • Accident by external means, terrorist activity
  • Any damage in transit by road, rail, inland waterway, lift, elevator or air
    • Third Party or Liability

      This policy serves as protection against legal liability due to accidental damages, resulting in bodily injuries or death of a third party, and/or any loss or damage incurred to the third party property.

      Personal Accident Cover

      This policy also cover personal accident cover for the driver/owner of the insured vehicle. An optional cover for the electrical and non-electrical accessories of your two wheeler, which includes horns, buzzers, seats, leg guard, etc. is also available.

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    Discounts offered by HDFC ERGO Insurance Two Wheeler

    No Claim Bonus

    he no-claim bonus is a discount offered on the next year’s premium. If you make no claims throughout the year, you are benefited with the huge discount on the next year’s premium. If for the first year you made no claims you are offered with 20% discount on the second year premium and so on. It keeps on increasing. The following table will provide the details.

    The following table shows the NCB grid:

    No. Of Years Discount
    One claim-free year
    20%
    Two consecutive claim-free years
    25%
    Three consecutive claim-free years
    35%
    Four consecutive claim-free years
    45%
    Five consecutive claim-free years
    50%

    Other Discounts

    HDFC ERGO General Insurance offers other discounts provided you are a member of any recognized Automobile Association of India

    .

    Additional discounts for long term policy

    HDFC ERGO offers additional discount on purchase of multi-year (long-term) two wheeler insurance policy. In addition to that, you get a higher percentage of discount on NCB as compared to a single year policyholder. Moreover, you save money on third-party policy which keeps hiking every year by 15-20%.

    Exclusions of HDFC ERGO Two Wheeler Insurance

    • Mechanical/ Electrical breakdown
    • Wear and tear, ageing of vehicle
    • Depreciation
    • Deliberate accidental loss
    • Intoxicated driving
    • Consequential loss
    • Damage to/ by a person driving any vehicle without a valid license

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    How to Claim for HDFC Ergo Two Wheeler Insurance

    Contact Details:

    • Website: www.hdfcergo.com
    • Toll-Free Number: 022/0120-6234 6234
    • Email: care@hdfcergo.com

    Required steps and supporting documents

    a) In case of Accident

  • Immediately contact HDFC ERGO on their toll-free number 022/0120-6234 6234
  • Lodge a claim with duly signed Claim Form
  • Copy of Driving License, RC book, Policy document
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Estimate Bill
  • In case of cashless service, only Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt
  • Form 35 & original NOC from financer in case of total loss where payment is made to insured
  • b) In case of Theft

  • Immediately contact Bajaj Allianz on their toll-free number 1800-209-5858
  • Lodge the claim with duly signed claim form
  • Original keys with Copy of Driving License, RC book, Policy document
  • Police FIR copy
  • Duly signed Form 26, 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police
  • c) In case of Third Party Claims

  • Immediately contact Bajaj Allianz on their toll-free number 1800-209-5858-
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book
  • Step-wise guide to claim:

    • The first things to make a claim is to call on Bajaj Allianz General Insurance’s Toll-Free Helpline number - 1800-209-5858
    • Take appointment with the surveyor and take your vehicle to any of Bajaj Allianz General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
    • Company confirms liability
    • If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable
    • But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement
    • Vehicle Delivery

    Review of HDFC ERGO Two Wheeler Insurance

    HDFC ERGO is backed by quality service with quick solutions. With useful add-ons on offers, the two wheeler insurance plan provides comprehensive coverage to protect your vehicle in case of any accident. With an extensive network of cashless garages, prompt and seamless customer service, that claims to have 94% claim settlement ration for two wheeler, you should consider HDFC ERGO for your two wheeler insurance.

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    Customer Reviews
    Average Customer Rating:
    HDFC ERGO Two Wheeler Insurance: Get Best Premium Quote Online
    3.5 / 5 ( 12 reviews )
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