Long Term Two Wheeler Comprehensive Insurance Policy Online - HDFC ERGO
Two Wheeler Liability Multi Year Insurance When it's your only vehicle, the precautions should be worth it
  • - Instant online policy
  • - Comprehensive coverage
  • - Assured service
  • - Competitive pricing

Buy Now


Instant Renewal

Enter HDFC ERGO/HDFCGI Policy Number for Renewal

Extend Travel Dates

Modify Travel Dates

Call Me


Long Term Two Wheeler Insurance Policy

HDFC ERGO two wheeler insurance offers convenience of instant bike insurance online now with options to choose policy period up to three years so that you don’t have to worry about renewals every year. Long Term two wheeler insurance supports you in savings against annual third party premium hike by insurance regulator which you won’t have to pay.

Two Wheeler Insurance gives you the benefit and protection of No Claim Bonus (NCB) discount in two and three years policies. This means, you enjoy NCB discount protection for entire policy tenure irrespective of your claim status during your policy period. After completion of two or three year’s policy tenure, you will be awarded next higher NCB slab basis each claim free year spent.

HDFC ERGO two wheeler insurance provides comprehensive coverage against potential risk of theft, accidental damage, third party liability and other perils. With one year policy tenure, you also get the options to buy add-ons emergency road side assistance and zero depreciation.

HDFC ERGO Comprehensive Two Wheeler Insurance

HDFC ERGO Two Wheeler policy online gives you an advantage of 24*7 claim assistance with quick and easy claim settlement process. Our online policy issuance tool gives you the advantage of going paperless and also view comprehensive coverage optimized for your insurance needs and buy policy instantlyin cost effective way.

HDFC ERGO Two Wheeler Insurance covers your legal liabilities arising out of injury or death of a third party and personal accident cover for the owner or driver so that you can enjoy the ride to the fullest.

Now with HDFC ERGO two wheeler insurance you can get the policy in three easy and simple steps also if your policy has expired, you can issue the policy at one go without any trouble of putting extra efforts. All you need to do is enter the required details, choice of coverage required, calculate premium, and make payment. No documentation involved and policy document is generated instantly.

  • Instant and easy online policy issuance/renewal
  • NCB discount remains protected for multiple years irrespective of claims taken in the policy tenure
  • Savings against annual increase of TP premium
  • Savings in the form of discount for long term policy
  • Buy insurance for up to 3 years in a single transaction
  • 24x7 claim assistance by our trained in-house insurance experts
  • 94% claim settlement ratio
  • Quick and easy claim disbursement process
  • Wide range of IDV (Insured Declared Value) to choose from
  • Customer delights offers to help you save money on your regular spends

HDFC ERGO provides you with the option of buying a two-wheeler policy up to period of 3 years. The major benefits of buying a multi-year Insurance policy are as follows:

  • Multi-year protection in a single policy
    • Purchasing a multi-year policy gives you a break from the hassle of annual renewals
  • Save on annual third party premium increase by buying multi-year policy
    • The third party premium may increase as per regulatory guidelines every year, By buying multi-year policy, the Third Party component of your premium gets fixed at the current rate resulting in effective saving overall during subsequent years.
  • Benefit and Protection of NCB discount
    • Irrespective of the claims taken during policy tenure, No Claim Bonus discount remains protected during entire policy tenure.
  • Additional discounts for long term policy
    • You are rewarded with a discount on the policy amount when you purchase a multi-year policy

Own Damage Cover
This cover insures any financial loss arising due to damage or theft of the insured vehicle. The major scenarios are as mentioned below:

  • Loss or damage due to theft of insured vehicle
  • Loss or damage of the insured vehicle in case of accident
  • Loss or damage of the insured vehicle due to natural disaster

Third Party Cover
This cover insures any financial loss arising due to damage or theft of the insured vehicle. The major scenarios are as mentioned below:

  • This cover insures any financial loss arising due to injury or death of a Third Party caused in the case of accident of the insured vehicle.
  • This cover insures the damage to property of a third party in case of an accident involving the insured vehicle
  • This cover also includes the personal accident cover for the owner or driver for accident caused involving the insured vehicle. The owner or driver is insured for Rs. 1 lac to cover for accidental death or total disability scenarios

The premium of the two wheeler comprehensive policy would depend on the following factors:

  • IDV – This is also known as the Insured declared value or the sum insured of the policy. It is calculated based on the manufacturer’s listed selling price and is depreciated each year to account for wear and tear of vehicle. The IDV of the vehicle on the policy is very important as this is the amount that would be payable by the company in case of theft or total loss
  • Age of the vehicle – Apart from being used to calculate the IDV, it may also be used to determine the discounting and add-on rates in premium calculation
  • Engine Capacity – The engine capacity of the vehicle may determine the - premium especially Third Party , for the insurance of the policy. There are multiple slabs of engine capacity and premium rate goes up as the capacity of the engine increases
  • No claim Bonus – The no claim bonus discount is given to the customer for each claim free year the vehicle has been insured. In case of a claim, accumulated No claim Bous discount becomes zero.
  • Place of Vehicle Registration – The place of vehicle registration also has a bearing on the premium of the policy

The following issues are not covered by the HDFC ERGO policy.

  • Wear and Tear of the vehicle
  • Damage caused by a person without valid driver license
  • Mechanical or electrical breakdown of the vehicle
  • Damage caused by a person under the influence or alcohol or drugs/li>
  • Loss or damage caused by war/nuclear risks/mutiny
  • Periodic depreciation or any consequential loss
  • *Please note that the above mentioned are illustrative exclusions. For a detailed list, kindly read the policy wordings.


  • What is HDFC ERGO Long Term Two Wheeler Comprehensive Insurance?
    It is an insurance policy to cover your vehicle against potential risks of theft, accidental damage, third party liability and others from one to three years period through a single policy document. Please select appropriate choice, while buying policy Online
  • What benefits shall I get on Long Term policy?
    You shall have following benefits over single year policy:
    • Convenience of insurance, protection for long term
    • Longer policy duration means “No worry for annual renewals”
    • NCB protection during policy period irrespective of claim status of your vehicle
    • Third party premium by regulator gets fixed today for full policy period i.e. buy two or three years policy today to realize your saving
  • How to buy multiyear two wheeler insurance policy?
    • Visit link
    • Fill-in your vehicle details and calculate premium
    • Our system will give you option to buy single year, two year and three years policy period
    • Select the desired option and proceed to buy policy
    • Make payment online by using your Credit Card or debit card or online bank account or Paytm Wallet
  • Can I renew other insurer policy with HDFC ERGO online?
    Yes. Simply Click here , provide minimum details and buy HDFC ERGO Motor Insurance Policy online without any documentation. Also avail benefits of the No Claim Bonus earned by you in full.
  • My existing policy has expired! What to do?
    Simply Click here and follow instructions online to buy policy in 3 easy steps, that too without any documentation requirement from us
Read more ...