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HDFC ERGO Two Wheeler Insurance

HDFC ERGO, one of the most trusted names in the insurance space, is a company that understands individual two wheeler needs and offers insurance plans that work best for everyone.

With 94% claim ratio, HDFC ERGO is among the best.

With a claim settlement ratio of 94% and a cashless garage network of more than 6800+ garages across the country, this company takes care of all possible risks your vehicle may be subjected to so that you don’t have to break a sweat.

Key Benefits of HDFC ERGO Two Wheeler Insurance

  • Cashless Garage Network – 3400+ Cashless garage across India
  • Special Add-on covers – Zero Depreciation, No Claim Bonus Protection*

*Note:Available only for two and three long-term policy.

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.

Types of coverage

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 is mandatory by the Motor Vehicle Act 1988, it is provided by HDFC ERGO. This policy is protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property. HDFC ERGO two wheeler policy also includes reimbursement of towing charges up to 300 INR or actual cost, whichever is lower

Personal Accident Cover:Coverage of 1 lakh for the individual driver of the vehicle while travelling, mounting or dismounting from the Bike. Optional personal accident covers for co-passengers are also available.

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.

NCB Protection Plan for Two Year

NCB at entryClaims registeredNCB eligibility at renewal
0%No claims made during entire policy period25%
0%Claim made in the first year but no claims in the second year20%
0%Claim made in the second year0%

NCB Protection Plan for Three Year

NCB at entryClaims registeredNCB eligibility at renewal
0%No claims made during entire policy period35%
0%Claim made in the first year but no claims in the second year25%
0%Claim made in the second year but no claims in the third year20%
0%Claims made in the third year0%

Discounts Offered by HDFC ERGO Two Wheeler Insurance

HDFC ERGO General Insurance offers many attractive discounts that the policyholder can avail.

  • No-Claim Bonus:The 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.
No. Of YearsDiscount
One claim-free year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
Five consecutive claim-free years50%
  • 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

How to Claim for HDFC Ergo Two Wheeler Insurance

Contact Details:


Toll-Free Number: 022/0120-6234 6234

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 HDFC ERGO on their toll-free number 022/0120-6234 6234
  • 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 HDFC ERGO on their toll-free number 022/0120-6234 6234
  • 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 HDFC ERGO General Insurance’s Toll-Free Helpline number - 022/0120-6234 6234
  • Take appointment with the surveyor and take your vehicle to any of HDFC ERGO 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 garage 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 yourtwo wheeler insurance.