Drive without fear of paying fines for next 3 years.Buy long term two wheeler insurance now !

Two Wheeler Insurance

Two Wheeler Insurance offers insurance coverage for your two wheeler and it's riders from damages due to unforeseen incidents like accidents, natural calamities like floods, earthquake, storms, landslides and man made events like riots, arson, civil unrest etc. Bike insurance policy saves you from financial loss in case of an accidental damage or theft leading to total or partial loss of your two wheeler. Broadly, there are two types of insurance plan. Third party liability, which is the compulsory insurance and comprehensive plan. We recommend comprehensive cover over just third party liability as it offers a much broader coverage.

Why choose HDFC ERGO Two Wheeler Insurance?

HDFC ERGO Two Wheeler insurance plan offers insurance coverage for your bike against damage from uncertain risks. Now get emergency assisstance at the push of a button with our 24*7 roadside assisstance service, also get rewarded for good driving record with No Claim Bonus upto 50%. You can enjoy your travel unhindered with pan India cashless garage network where you can get your bike repaired.

Two Wheeler Insurance Plans

Single Year Comprehensive Two-Wheeler Insurance

This two-wheeler insurance protects your ride totally for 1 year. It covers damage caused to your vehicle due to theft, accident or calamity.

Standalone Motor Own Damage Cover - Two Wheeler

Your search for the much needed own damage cover only for your bike or scooter ends here.

Long Term Comprehensive Two-Wheeler Insurance

This Two-Wheeler insurance protects your ride totally for upto 5 years. It covers damage caused to your vehicle due to theft, accident or calamity.

Two Wheeler Liability Only Insurance 

Get this third party insurance cover to insure the damages or injuries caused to third party person or property.

What does your HDFC ERGO Two wheeler insurance policy cover?



Accidents are unfortunate. However, if it has taken place, we get you covered. At our vast network of cashless garages we ensure cashless repairs


Fire & Explosion

If fire, explosion, lightening or self-ignition damage your two wheeler. Stay calm. We Can Handle This!



If your bike gets stolen it is nothing less than a nightmare. Quit the stress and leave it to us, as we cover total loss of your two wheeler due to theft.



Both manmade and natural calamities leave a lasting impact, we cover you if your two wheeler gets damaged due to earthquake, landslide, floods, riots, terrorism etc.


Third Party Liability

In the event of an accident we cover legal liability for injury, death and/or property damage caused to a third party.


Personal Accident Cover

We consider customers as our top priority and hence offers a compulsory personal accident cover for 15 lakhs.Know More...

As per Supreme Court's recent mandate Compulsory Personal Accident cover is mandatory, without CPA your claim may get rejected.

Order of IRDAI on Premium Rates for Motor Third Party Liability Insurance Cover for the Financial year 2019-20 effective from 16th June, 2019

Reasons to buy HDFC ERGO Two Wheeler Insurance

Save Up to 70% ** On Your Bike Insurance Premiums!
Bid goodbyes to pricey premiums when you can get upto 70% discounts! Why look elsewhere, when amazing quotes are just a click away?
Go Cashless! With 6800+ Cashless Garages
6800+ Network Garages spread all over the country, isn’t that’s a huge number? Not just this, we let you register a claim via IPO app & website & we approve your claims within 30* Minutes.
Why Limit Your Claims? Go Limitless!
HDFC ERGO opens doors to unlimited claims! Though we believe you’ve been driving cautiously, however in case of any claim you wish to register, we do not restrict you.
Go Paperless
Why go through lengthy, time consuming, procedure. With online purchase get soft copy of your policy instantly in your mailbox and get your two wheeler covered now.

ADD ON COVERS for Two Wheeler Insurance

Zero Depreciation Cover- Two Wheeler Insurance

Get the Entire Amount With Zero Depreciation Cover!

Usually, two-wheeler insurance policies cover claim amount after the deduction of the depreciation. But, with a zero-depreciation cover, no deductions are made, and you get the entire amount in your hands! The battery costs and tyres do not come under zero depreciation cover though.

How does it Work?:If you two wheeler is damaged and the claim amount is Rs 15,000, out of which insurance company says that you need to pay 7000 as depreciation amount excluding policy excess/deductible. If you buy this add on cover then, the two wheeler insurance company will pay the entire assessed amount. However, policy excess/deductible needs to be paid by the customer, which is quite nominal.

Emergency Assistance Cover- Two Wheeler Insurance

We’ve got you covered!

We are here to offer you round-the-clock assistance to deal with emergency breakdown issues for your two-wheeler. The emergency assistance cover includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!

How does it work?:Under this add on cover there are multiple benefits which can be availed by you. For instance, If you are driving your two wheeler and there is damage, it needs to be towed to a garage. With this two wheeler insurance add on, you may call the insurer and they will get your two-wheeler towed to the nearest possible garage upto 100 kms from your declared registered address.

Factors affecting Two Wheeler Insurance Premium

  • Scope of Coverage: When you opt for comprehensive two wheeler insurance instead of just buying third party, you need to pay additional premium but the benefits far outweigh the costs as the risks covered is more than the third party coverage.

  • Security Systems: If you have installed components that increases the security of your two wheeler, then your two wheeler insurer could take a positive view of the change and provide a reduction in the premium amount.

  • Age of the Two Wheeler: Two Wheeler is an asset whose value decrease with time, depreciation is charged which reduces the market value of two wheeler, higher the age of two wheeler, the less its market value.

  • No claim bonus: No claim bonus is the reward that the policyholder is eligible to receive for every claim free year. The reward ranges from 20%-50% and is offered at the time of bike insurance policy renewal. Making a single claim for even minor damage can make you lose out on the accumulated IDV. Therefore, it is always advisable not to make a claim for minor damages as you can save on the premium at the time of policy renewal. Not renewing your two wheeler insurance within 90 days from the date of expiry will make you lose out on the NCB.

  • Make & Model: The factors would include year of manufacture, make and model, geographic location, place of registration, fuel type and number of miles run.

What is IDV under Two Wheeler Insurance plan?

The Insured Declared Value (IDV) of your two wheeler, is the sum insured coverage provided under your bike insurance plan. It is fixed at the commencement of each two wheeler insurance policy period for each insured vehicle.

IDV under any bike insurance plan is fixed on the basis of the manufacturer’s listed selling price of the brand and the model of the bike proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation (as per schedule specified below).

The IDV of the two wheeler and / or accessories, if any, fitted to it but not included in the manufacturer’s listed selling price of the vehicle is also likewise to be fixed.

How does IDV affect Two Wheeler Insurance.. What are the factors deciding IDV?

IDV is the current market value of your two wheeler. It is the amount that is paid by the two wheeler insurance company to the policyholder at the time of settlement of claim. IDV is calculates as the manufacturers listing price minus the depreciation but doesn not include registration and the insurance cost. The depreciation charged to calculate the IDV of your bike is presented below.

Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%

Two Wheeler Insurance Comparison

  Comprehensive(Single year)Comprehensive(Long Term)  Third Party (Liability Only)
Two Wheeler Insurance for Accidental Damage   
Two Wheeler Insurance for Theft   
Two Wheeler Insurance for Damage due to fire   
Two Wheeler Insurance for Damage due to natural disaster   
Personal Accident cover   
Two Wheeler Insurance for Damage to a third-party vehicle   
Two Wheeler Insurance for Injury to a third-party person   
Zero Depreciation under Two Wheeler InsuranceOptional Add-on  
Emergency assistance cover under Two Wheeler InsuranceOptional Add-on  


Know what the expert speaks about our two wheeler insurance plans

Mukesh Kumar| Motor Insurance Expert | 30+ years of insurance industry experience
I recommend getting your two wheeler insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 6,800+ network garages, you can be assured of help in event of any damage to your vehicle. Also one should insure his/her vehicle and avoid getting heavily fined under the recently enacted Motor Vehicle Amendment Act 2019.

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Frequently Asked Questions on Two Wheeler Insurance

Two Wheeler insurance is an insurance policy required to provide protection to your two wheeler against any damage which might result into a financial loss. In addition to it, any third party liability which has arisen due to the use of your two wheeler is covered under bike insurance. As per the Motor Vehicle Act, it is mandatory to buy a third party bike insurance policy without which one cannot use the vehicle on road.
A comprehensive insurance policy provides protection to your bike due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage. With the option of purchasing bike insurance online, it has become all the more convenient to renew or buy bike insurance.
There two types of insurance policies – comprehensive and third party liability. Comprehensive insurance ensures complete protection to your  bike due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage. However, third party liability, which is the mandatory cover protects your vehicle against third party liability against person and property.
There are various long term policies available as below: - For brand new two-wheeler – As per Supreme Court directive, customer can choose from the mentioned options:
  1. i. Liability only policy for a policy duration of 5 years. This policy provides coverage against third party liability in terms of death or injury or third party property damage
  2. ii. Package policy for a policy duration of 5 years. This policy provides a comprehensive cover to protect your vehicle due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage.
  3. iii. Bundled policy for a policy duration of 5 years. This policy provides cover to own damage for one year and 5 years for third party section.

    For one year old bike – you can choose from the mentioned options: i. Package/Liability policy for upto 2 or 3 years policy duration 

Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured, with a Liability Only policy at the very least.
Zero depreciation is an add-on cover and has to be purchased by paying additional premium. It offers complete coverage to your two wheeler without factoring into depreciation. For instance, if your vehicle is badly damaged, then you don’t need to pay for any depreciation charge and will be eligible for full claim amount subject to terms and conditions of the policy. Applicable for 1 year policy.
Emergency assistance is an add-on cover and has to be purchased by paying additional premium. It has multiple benefits like breakdown assistance, tyre replacement, towing, fuel replacement etc which can be availed during the policy duration. Customers need to call up the customer care number mentioned on the policy for availing these benefits. Applicable for 1 year policy.
You can easily renew your expired policy online. No inspection is required and you may simply buy the policy online. Once the payment is made, you will receive the policy copy.
No Claim Bonus is valid upto 90 days from the previous policy expiry date. If the policy is not renewed within 90 days, No Claim Bonus will become 0% and no benefit shall be passed on to the renewed policy.
You can change your policy details online through our website Visit the 'HELP' section on the website and place a request. To place request or explore services, click here
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