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Driving without valid Two Wheeler Insurance now carries a fine upto ₹2,000*.

Two Wheeler Insurance

Two Wheeler insurance is a insurance plan that offers coverage for the Two Wheeler for the damages that it can incur during any unforeseen incidents like accident, or any of manmade or natural calamity, Also It is mandatory under the Motor Vehicles Act 1988 and the recently passed Motor Vehicles (Amendment) Act 2019 for all the Two Wheeler drivers to have valid Two Wheeler insurance at all times.

Reasons to buy HDFC ERGO Two Wheeler Insurance

Save upto * 70% on your premium

Why pay a lot of premium when you can save much more with HDFC ERGO Two Wheeler Insurance. Enjoy upto * 70% savings on premiums for Two Wheeler insurance.

6800+ Cashless Network Garages

Spread all over the country, HDFC ERGO Two Wheeler insurance let's you make use of cashless facility for Two Wheeler repair to reduce your out of pocket expenses.

**Overnight Two Wheeler Repair Services

This one of a kind service in the industry makes us stand apart. We repair minor accidental damages from dusk to dawn without any hassle.

What's Included in Two Wheeler Insurance?

Accidental Damage

Any damage caused to your Two Wheeler due to accidents, fire, natural calamities or riots remain covered.

Theft

Suddenly if you come to the parking lot to realise that your Two Wheeler has been stolen. Don't worry we cover you against total losses due to accident or theft incidents.

Personal Accident

In case of injuries due to Two Wheeler accidents, we cover all your treatments and make sure you are healthy and lively above anything else.

Third Party Liability

In case your vehicle accidentally caused injuries or damages to the properties of a third person, we offer complete coverage to meet all your legal liabilities. This is a mandatory cover.

WHAT'S NOT INCLUDED IN CAR INSURANCE??

Depreciation

We do not cover depreciation in the value of the Two Wheeler.

Electrical & Mechanical Breakdown

Any electrical or mechanical breakdowns remain uncovered under our Two Wheeler insurance policy.

Illegal Driving

Your Two Wheeler insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol.

Add-On Covers to Enhance your Two Wheeler Insurance

Zero Depreciation Cover

Get the Entire Amount With Zero Depreciation Cover!

Usually, insurance policies cover claim amount after the deduction of the depreciation. But, with a zero-depreciation cover, no deductions are made, and you get the entire amount in your hands! The battery costs and tyres do not come under zero depreciation cover though.

Emergency Assisstance Cover

We are here to offer you round-the-clock assistance to deal with emergency breakdown issues. The emergency assistance cover includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!

FAQ for Two Wheeler Insurance

1. What is Two Wheeler Insurance?

Two Wheeler insurance is an insurance policy required to provide protection to your two wheeler against any damage which might result into a financial loss. In addition to it, any third party liability which has arisen due to the use of your two wheeler is covered under bike insurance. As per the Motor Vehicle Act, it is mandatory to buy a third party bike insurance policy without which one cannot use the vehicle on road.

2. What is a Two Wheeler comprehensive insurance policy?

A comprehensive insurance policy provides protection to your bike due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage. With the option of purchasing bike insurance online, it has become all the more convenient to renew or buy bike insurance.

3. What are the various types of policies under Two Wheeler Insurance?

There two types of insurance policies – comprehensive and third party liability. Comprehensive insurance ensures complete protection to your bike due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage. However, third party liability, which is the mandatory cover protects your vehicle against third party liability against person and property.

4. What are the various long term policies available for Two Wheeler insurance?

There are various long term policies available as below: - For brand new two-wheeler – As per Supreme Court directive, customer can choose from the mentioned options:

i. Liability only policy for a policy duration of 5 years. This policy provides coverage against third party liability in terms of death or injury or third party property damage ii. Package policy for a policy duration of 5 years. This policy provides a comprehensive cover to protect your vehicle due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage. iii. Bundled policy for a policy duration of 5 years. This policy provides cover to own damage for one year and 5 years for third party section. For one year old bike – you can choose from the mentioned options: i. Package/Liability policy for upto 2 or 3 years policy duration

5.Is third party bike insurance a mandatory policy under bike Insurance?

Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured, with a Liability Only policy at the very least.

6. What is Zero depreciation cover or bumper to bumper coverage under Two Wheeler Insurance?

Zero depreciation is an add-on cover and has to be purchased by paying additional premium. It offers complete coverage to your two wheeler without factoring into depreciation. For instance, if your vehicle is badly damaged, then you don’t need to pay for any depreciation charge and will be eligible for full claim amount subject to terms and conditions of the policy. Applicable for 1 year policy.

7. How does emergency assistance programme work under two wheeler Insurance?

Emergency assistance is an add-on cover and has to be purchased by paying additional premium. It has multiple benefits like breakdown assistance, tyre replacement, towing, fuel replacement etc which can be availed during the policy duration. Customers need to call up the customer care number mentioned on the policy for availing these benefits. Applicable for 1 year policy.

8. What happens when I wish to renew my expired two wheeler insurance policy?

You can easily renew your expired policy online. No inspection is required and you may simply buy the policy online. Once the payment is made, you will receive the policy copy.

9. What happens to my No Claim Bonus while renewing an expired two wheeler insurance policy?

No Claim Bonus is valid upto 90 days from the previous policy expiry date. If the policy is not renewed within 90 days, No Claim Bonus will become 0% and no benefit shall be passed on to the renewed policy.

10. How do I make changes in my two wheeler insurance policy details after receiving the policy documents?

You can change your policy details online through our website hdfcergo.com. Visit the 'HELP' section on the website and place a request. To place request or explore services, click here

11. What can be done to renew my two wheeler Insurance during Coronavirus Lockdown?

Whole country is under complete lockdown, we understand the significance of the move and stand with the nation in difficult times, for the two wheeler insurance renewal one can always follow the preffered mode of buying or renewing a two wheeler insurance policy which is online purchase of insurance policies. The steps to be followed would include

  • Visit the webiste https://www.hdfcergo.com/two-wheeler-insurance
  • Enter the registration number of your vehicle
  • Select the vehicle model >
  • Select the vehicle variant >
  • Select the year of registration >
  • Select city/RTO
  • choose the plan type >
  • Choose the previous policy status
  • Select the No claim bonus
  • Choose Add-Onc
  • Select your mode of payment
    • By insuring your vehicle, you can be at peace that your two wheeler's insurance coverage is continued.