Knowledge Centre

How to Choose Two Wheeler Insurance?

Published on July 26, 2019. EST READ TIME: 5 MIN

Your two-wheeler is your best partner to roam around the city paths; it gives you the right edge against traffic and helps you reach everywhere in your stipulated time. But, did you know? Your beloved two-wheeler requires mandatory third party liability insurance. Yes, it does. To protect your vehicle from legal troubles and avoid paying penalties, buy a third party liability insurance policy. It protects you in case of accidental hazards caused to a third party vehicle or person. Although a third party liability only policy is a mandate, never skip to check the comprehensive cover. This type of cover gives your vehicle a total care against accidental damages, damage due to natural calamities and personal accident cover.


Coverage Exclusions
Own Damage Cover : Theft, Total Loss, Burglary Damage caused by a person under the influence or alcohol or drugs
Accidental Damage & Natural Calamity damage Loss or damage caused by war/nuclear risks/mutiny
Third Party Liability Cover Damage caused by a person without valid driver license
Add On covers: Voluntary excess deductibles
Emergency Assistance Zero depreciation


Motorcycle insurance coverage and exclusions

With the growing awareness about insurance, there’s a huge emergence of motor insurance companies offering a wide range of policies and add on covers. However, there always lies confusion on how to choose two wheeler insurance or what motorcycle insurance coverage should i get? To understand what a good motorcycle insurance coverage comprises of let’s understand the below list: Does HDFC ERGO offer best motorcycle insurance coverage?

HDFC ERGO Motor Insurance offers uniquely designed two wheeler insurance plans for all its customers. It offers long term comprehensive policy, which saves you from renewal worries and your vehicle will not have to undergo inspection every year. Similarly, the multi-year third party liability only policy can also be opted for more than a year, for saving third party annual premium hikes. HDFC ERGO two wheeler insurance also lets you opt for Add On covers such as zero depreciation and emergency assistance cover for strengthening your policy.

Why choose HDFC ERGO Two Wheeler Insurance?

24*7 Support

HDFC ERGO offers round the clock support for convenience and a hassle-free experience. You can call us on 1800 2700 700 or write an e-mail

Zero Documentation

You need not go through lengthy procedures for buying online two wheeler insurance policy.

Trusted by Millions

With over 75 lakhs happy customers, HDFC ERGO is a recognized brand for taking care of your insurance needs. The brand has been assigned ‘iAAA’ rating by ICRA indicating its highest claim paying ability.

Fair and transparent claim settlement policies

HDFC ERGO Motor Insurance claims are settled with utmost transparency

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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  • How to Calculate Bike Insurance Premium in India

  • Benefits of Online Renewal of Two Wheeler Insurance

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