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How to Buy Long Term Two Wheeler Insurance Cover Online?

Published on July 24, 2020. EST READ TIME: 5 MIN

If you are still wondering why you should buy two wheeler insurance, it is time to reflect upon many benefits that come alongwith buying one. In addition to the fact that a third party insurance is mandatory as per law, a two wheeler insurance provides financial protection and gives you peace of mind at the time of claim.

Benefits of Buying a Two Wheeler Insurance

  • Coverage against any third party liability in the form of Death, Injury & Property damager

  • Financial protection for own damage due to any impact damage, fire, theft, or flood, earthquake, terrorism etc

  • Peace of mind and freedom from any unforeseen financial crunch

Long Term Two Wheeler Insurance Policy

While we cannot emphasise enough on the importance of having two wheeler insurance, it is equally important to keep it valid. Most people buy an insurance policy right at the showroom (thanks to Motor Vehicle Act 1988) but they often forget to renew it. And even if the policy has lapsed for a day, it is equal to not having a policy at all. And if something unfortunate happens during that time period, it can cause huge financial and legal penalties.

The important question here is how you can make sure that the policy remains valid year after year. Well, the answer is to go for long term insurance coverage. A long term insurance policy provides two wheeler insurance fora policy duration of upto 3 years giving you independence from annual renewal. Not only that, when you buy long term insurance cover from a trusted brand like HDFC ERGO, it brings along many benefits such as:

1. Frozen third party Premium Rates

There is no annual hike on third party premiums and the premium rate stays fixed (same as the first premium) for three years giving you huge financial benefits. Also, most companies give a discount on own damage section on 3 year two wheeler insurance policies.

2. Convenience

With a long term insurance policy, you get freedom from renewal hassle and enjoy uninterrupted insurance coverage

And not to forget the peace of mind it brings. You buy the insurance policy once and enjoy the safety, security and peace of mind for the next three years. When you are mentally at peace, you can be confident on the road too!

How to Buy HDFC ERGO Long Term Insurance Online?

Buying an HDFC ERGO policy online is extremely easy. Here is how you can do it in three easy steps

Log on to HDFC ERGO official website and follow these steps -


Fill in the details of the vehicle and of the previous insurance policy, if any. Select any additional coverage you are seeking for your bike and click on ‘Calculate premium’.


Select the type of policy you want to opt for and then proceed to the next page where you will need to fill in your personal details along with the nominee details for the insurance policy.


Select a payment mode that suits you from the multiple payment options available. Complete the payment and you are done.

Wasn’t that easy! Now that buying a long term two wheeler insurance policy is so simple, easy, and convenient, there is no reason to delay it any further. Now, there is no reason foranylapsein policy and unwanted stress. Logon to HDFC ERGO’s official website and buy the policy today!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the sales.

This blog has been written by

S. Gopalakrishnan | Motor Insurance Expert | 40+ years of experience in insurance industry

A veteran in insurance industry. S. Gopalakrishnan is a name to reckon with in the field of reinsurance, he has headed the Reinsurance department and has rich experience in other fields of motor insurance. He loves to share his opinion on latest topics in the insurance industry and how he can help people in safeguarding their assets using insurance products.

S. Gopalakrishnan recommends "HDFC ERGO for your vehicle insurance needs, it has always put customer’s interest at the forefront, with round the clock assistance to deal with emergency breakdown issues and hassle free claims process. You can be assured of complete and reliable guidance through the whole process".

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