Long Term Two Wheeler Comprehensive Insurance
Two Wheeler Liability Multi Year Insurance When it's your only vehicle, the precautions should be worth it
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Long Term Two Wheeler Insurance

We just made worries of yearly two wheeler insurance renewals disappear with our new Comprehensive Long Term Two Wheeler Insurance. With options to choose up to three years policy period, HDFC ERGO Long Term two wheeler insurance online offers convenience of instant bike insurance at affordable prices. You can pay premium now to enjoy insurance protection up to three years. You only pay once to fix your premium outgo for three years and free yourself from annual worries of two wheeler insurance renewal. Long Term two wheeler insurance also supports you in avoiding your increased premium outgo by fixing third party premium for three years at today’s rate. Thus, you can avoid impact of annual third party premium hike by insurance regulator by buying Long Term insurance now.

With Long Term two wheeler insurance, you get both benefit and protection of No Claim Bonus (NCB) discount in two and three years policies. This means, you enjoy NCB benefit for full three years tenure irrespective of your claim status during your policy period. After completion of two or three years policy tenure, you will be awarded next higher NCB slab basis each claim free year spent.

HDFC ERGO Long Term 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 Long Term Two Wheeler Insurance

With HDFC ERGO Long Term Two Wheeler policy online, you get advantage of 24 * 7 claim assistance and easy claim settlement process. Using our online policy issuance tool, you can view comprehensive coverage optimized for your insurance needs and buy policy instantly in cost effective way. And this happens without any documentation requirement from you!

Our policy covers legal liabilities arising out of injury or death of a third party and even personal accident cover for the owner or driver.
Buy HDFC ERGO Long Term Two Wheeler Insurance today and enjoy your ride to the fullest.

You can get your two wheeler insured online in 3 easy steps with HDFC ERGO, even if the previous policy has expired. Just enter the required details, choice of coverage required, calculate premium, and make payment. No documentation involved and policy document is generated instantly.

  • Comprehensive cover with two and three years insurance policy options
  • Enjoy additional discount with Long term covers.
  • Protection against annual increase in Third Party insurance premium
  • Enjoy NCB protection on two and three years insurance policies
  • No hassles of annual insurance renewal
  • Paperless Issuance process of 2 wheeler insurance policy online
  • Cashless claim service at authorized network garages
  • Protection to vehicle:Loss or damage due to theft, accidental damage, natural calamities etc
  • Third party liability: Covers legal liability that may arise due to an injury or death of a third party or damage to property of a third party in case of an accident involving your scooter/motorbike
  • Personal accident cover for owner / driver: Compulsory Personal Accident Cover for the owner/driver for an amount of Rs. 1 lac which covers accidental death and total disability of the owner/driver
  • Policy tenure: Option to buy either two years or three years 2 wheeler insurance policy online
  • No Claim Bonus:For long term insurance policy (two and three years tenure) NCB benefit for each year will be provided.
    For two and three years policy, NCB will remain protected during policy period. However, post completion of policy tenure, you’ll be awarded incremental NCB slab on renewal, subject to each claim free year.
  • Add ons: Option to buy “Emergency Assistance” and “Zero Depreciation Cover” with annual insurance policies only
For details, please refer to policy terms and conditions
  • Under this Two Wheeler Insurance, the sum insured on your two wheeler would depend up on the manufacturer's listed selling price minus each year's depreciation or the IDV (Insured's declared Value). The IDV would account to the maximum amount payable in the event of a claim for theft or total loss of the two wheeler.
  • The premium of your Two Wheeler Insurance Policy will depend on the following:-
  • IDV or sum insured
  • Age of the vehicle
  • Vehicle type
  • Policy tenure
  • No claim bonus
  • Place of vehicle registration
  • A number of optional covers are also available on payment of an additional premium. They are:-
  • Personal Accident cover for owner/driver
  • Personal Accident cover for pillion passengers

HDFC ERGO Two Wheeler Insurance exclusion policy includes:-

  • Wear and tear and general aging of the two wheeler
  • Damage caused by a person without a valid driving license
  • Failure or the vehicle, or mechanical or electrical breakdown
  • Damage caused by a person who may be under the influence of alcohol or drugs
  • Periodic depreciation or any consequential loss
  • Loss/damage that may have caused due to war/nuclear risks/mutiny
  • Damage caused to tires and tubes unless the two wheeler is damaged at the same time. In such case the liability of the company is restricted to only 50 per cent of the cost incurred on replacement.
  • Any loss or damage caused outside the geographical boundaries of India
  • *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
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