As per the Supreme Court’s recent mandate, a personal accident (PA) cover is compulsory for the owner/driver of two wheelers. The policy can be bought as a standalone cover or along with your two wheeler insurance, and provides compensation to the owner in case of death, bodily injuries or any permanent disability due to an accident. It is not mandatory for the pillion rider.

Once you opt for Emergency Assistance Cover, you get round-the-clock assistance to mitigate any technical or mechanical breakdown issues. This add-on benefit covers minor repairs on-site, punctured tyres, battery jump starts, refuelling the tank, lost key assistance, duplicate key issue, and even towing charges up to 100 km from your registered address. In some cases, the insurer also bears the expenses related to accommodation if the policyholder needs a place to stay while the bike is being repaired.

It includes:
Third-party liability (as mandated by law),
Own damage due to theft, accidents, fire, floods, etc.
Optional add-ons like zero depreciation, roadside assistance, and more. 

Yes, HDFC ERGO has 2300+ cashless garages where you can get repairs done without paying upfront.

Yes. You can enhance your protection with add-ons like: Zero Depreciation Roadside Assistance NCB Protection Engine and Gearbox Cover, etc.

In case of a cashless claim, you just have to pay for the deductibles and the rest of the bill will be taken care of by your insurance company. However, you can only use cashless claim services in your insurance company’s network garages. The reimbursement claim gives you the flexibility to choose any garage of your choice, but you have to pay the full amount of the bill and get it reimbursed later.

If you don’t make any claim during your policy period, you get a discount on the renewal premium. This reward increases with every claim-free year.

While selling your bike, it’s important to transfer your insurance policy to the bike’s new owner. By doing so, you will be free from all liabilities if the bike is involved in any accident in future. You also have the option to cancel the existing policy at the time of selling.

Yes, you can transfer the current insurance to your new vehicle. You have to inform the insurance company about the change in vehicle and also pay the difference in premium, if any.