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

: 4.3     149848 Ratings | 149848 Reviews

Buy Now

GO

Instant Renewal

Enter HDFC ERGO/HDFCGI Policy Number for Renewal
 
GO

Extend Travel Dates

Modify Travel Dates

Call Me

 
 
 



Are you driving your two wheeler around without insurance? Not sure about the insurance offering provided by your agent? Don’t worry, we will help you get your insurance for up to three years from the comforts of your home in 3 easy steps!

Two Wheeler Insurance Policy with HDFC ERGO

Riding a bike is a fun filled activity; it’s just you and your beloved bike who rides across the mushy terrains for cherishing lifelong experiences. Be it an adventurous cruiser ride through off roads or everyday scooter ride to office through congested roads, your two-wheeler is indeed an amazing way to travel everywhere. Although riding a two wheeler is an exciting experience, it is also vulnerable to road accidents. Similarly, external factors such as natural calamities and damages due to third party may cause severe hazards to your life and two-wheeler too. To pay for exorbitant repair costs and deal with accidental damages, you may have to shed a hefty amount. With the rising inflation in India, the costs of spare parts and labour charges have seen a tremendous hike.Even a minor repair or replacing a spare part may also cost you a fortune. To avoid such a scenario and enjoy total peace while riding your two-wheeler, it is advisable to opt for a comprehensive two wheeler insurance cover.

For a hassle-free bike riding experience and security against unforeseen incidents, Two Wheeler Insurance Cover is mandatory. As per Motor Vehicles Act in India, it’s compulsory to opt for third party insurance for your vehicle. However, it’s always recommended to opt for a comprehensive two wheeler insurance for securing your bike totally against accidents, damages, theft, total damage and personal accident.

Why HDFC ERGO for 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 400 or write an e-mail to : care@hdfcergo.com
  • Zero Documentation
    You need not go through lengthy procedures for buying online car 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

Benefits of buying online HDFC ERGO Two Wheeler Insurance policy?

  • Quick approval
    Estimated approval within 24 hours, of vehicle reaching garage
  • Cashless claim service
    You can avail cashless claim service with over 4800+ authorized network of garages across India.
  • No Claim Bonus
    You can also avail no claim bonus for every claim free year.
  • Buy online for added convenience
    Wherever you go, use our mobile app for instant buying.
  • Instant Policy
    Thanks to paperless documentation and quick approval, you can download your policy document on successful payment of premium.

(All discounts are subject to necessary excess/deductibles as per the terms & conditions)

 

What gets covered under Comprehensive Two Wheeler Insurance?

Own Damage Cover

Own damage cover refers to the protection offered by HDFC ERGO Two Wheeler Insurance for any financial loss arising due to the following situations

  • 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 calamities

Third Party Cover

HDFC ERGO offers Third Party Liability Two wheeler Insurance policy offers coverage for your legal liabilities towards third parties for injuries, permanent total disability, death and property damage arising due to any accident involving your vehicle. Our third party insurance policy provides cover against all kinds of vehicles – personal as well as commercial, for worry-free movement on road.

HDFC ERGO third party liability Two wheeler insurance 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 cases like accidental death or total disability.

(*For more details on policy inclusions, please refer to the policy wordings)

What does not get covered under Comprehensive Two Wheeler Insurance?

  • Depreciation
  • Damage caused by driver who doesn’t hold a valid licence
  • Mechanical or electrical breakdown
  • Damage caused due to intoxication
  • Damage caused due to war or related activities
  • Consequential loss

*Please note these are illustrative exclusions. For a detailed list, kindly refer the policy wordings)

 

 

Two Wheeler Insurance FAQs

1. Why do I need two wheeler insurance?

2.What are the different types of two wheeler insurance policies and what are its coverage?

3.What are the benefits of buying two wheeler insurance online?

4. Which plan should I buy, comprehensive or liability only?

5.What benefits shall I get on Long Term policy over a single year policy?

6. How to buy multiyear two wheeler insurance policy?

7. How long would it take to get a policy issued?

8. What is my two wheeler policy period?

9. What addons are available on my two wheeler policy

10. What will happen when the policy holder sells his bike?

11. How do I transfer/insure my newly acquired second hand two wheeler?

12. What is a No Claim Bonus (NCB)?

13. What is NCB benefit in a multi-year policy?

14. How is the value of the vehicle (IDV - Insured Declare Value) calculated?

15. What is endorsement and how do I make changes (also known as endorsement) to my policy?

16. What if my two wheeler insurance policy is misplaced?

17. Can the Owner of the bike also be insured under the same policy?

18. What are the factors that determine the premium for Two Wheelers?

19. What are the discounts that can be allowed under Two Wheeler policies?

20. What is the scope and cover offered in a two wheeler insurance policy?

21. What are the types of events or losses not covered under two wheeler insurance?

22. My existing policy has expired! What to do?

23. What is Personal Accident Insurance cover for unnamed/named passengers?

24. What is Third Party Liability cover?

25. Is it possible to cancel my Two Wheeler Insurance?

26. What is the procedure of cancelling two wheeler insurance policy?

27. What is legal liability to paid driver?

28. What is the process for obtaining Third Party only cover?

29. How to register a claim?

30. What is the difference between Cashless Claim and Non-cashless/ Reimbursement claim?

31. What is 'compulsory deduction/deductible' under Two Wheeler Insurance?

32. When should I report an incident to the police?

33. What all documents are required to file a claim?

34. Where can I find a list of garages where I can avail Cashless service?

Two Wheeler Insurance 4.3 149848 | 149848 Reviews

Two Wheeler Insurance Customer Reviews

Customer Review Summary

Average Rating :   
4.3
(Based on 149848 ratings )
Star 5 :
Star 4 :
Star 3 :
Star 2 :
Star 1 :

Customers Reviews

   5
Mr SRINIVASA RAO GANDIKOTA
29 Sep 2017,   TELAPROLU
Make : HERO HONDA
Model : SPLENDOR PLUS
      
Good...very nice..it is very simple process to apply insurance..
   5
RAKESH SHETTY
29 Sep 2017,   MANGALORE
Make : SUZUKI
Model : ACCESS 125
      
Awesome Experience.
   5
Mr Manjit Bhattacharyya
28 Sep 2017,   BANGALORE RURAL
Make : HONDA.
Model : ACTIVA
      
Continue with best support
   5
Mr Akhil Rajendran
28 Sep 2017,   BENGALURU
Make : YAMAHA
Model : FZ S
      
I do not see anything to be improved. It's all good.
   5
VEERANNA ANGADI
28 Sep 2017,   GADAG
Make : BAJAJ AUTO.
Model : DISCOVER DTS-SI
      
EXCELLENT
   5
THILIP MOSES G
28 Sep 2017,   CHENNAI
Make : YAMAHA
Model : SZ
      
fast process
   5
Mr Chinmay Kumar BeherA
27 Sep 2017,   BALESWAR
Make : HONDA.
Model : AVIATOR STD
      
EXCELLENT
   5
Mr Tarun Malhotra
27 Sep 2017,   DELHI
Make : BAJAJ AUTO.
Model : AVENGER 150 STREET
      
HDFC ALL PRODUCT EXCELLENT , PLEASE CALL ME FOR ANOTHER PRODUCT .
   5
MADHU M.S
27 Sep 2017,   BENGALURU
Make : BAJAJ AUTO.
Model : PULSAR 180 DTSI
      
EXCELLENT SERVICE
   5
Mr G Ramesh
08 Aug 2017,   CHENNAI
Make : HERO MOTOCORP
Model : SUPER SPLENDOR SELF START DRUM BRAKE ALLOY WHEEL
      
Very good user experience. Easy to follow instructions/guidelines. Like it Thanks