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What is Two Wheeler Insurance ?
Two Wheeler Insurance is mandatory in India, especially the third party liability cover. It is a protection cover that 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 ?
Just as every little thing that you own is nurtured and protected, your Two-Wheeler also needs to be safeguarded against the effects of accidents, natural calamities, theft, and malicious damage. Imagine, in a world where minor repairs and maintenance costs you a lot, what would be the stretch of expenses that you may have to make if your vehicle is stolen or gets damaged totally? Your finances go for a toss as you will have to bear the expenses for repairing it. To avoid such a financial loss and stay protected, it’s advisable to buy a Two-Wheeler Insurance plan with comprehensive cover. This covers your own vehicle’s damage as well as third party liabilities. The below offerings are aptly designed to secure you from unforseen expenses.
Our Two Wheeler Insurance Plans
- This insurance protects your ride totally for 1 year. It covers damage caused to your vehicle due to theft, accident or calamity.
- This insurance protects your ride totally for upto 5 years. It covers damage caused to your vehicle due to theft, accident or calamity.
- Get this third party insurance cover to insure the damages or injuries caused to third party person or property.
How are the rates and prices calculated?
Our two-wheeler insurance premium is calculated basis the following factors - age of your two-wheeler, Make, Model, CC, RTO registration office and Add-on covers.
Click here to check the premium for your two wheeler instantly.Calculate Premium
Calculating premium for two wheeler insurance is instant, easy and hassle-free.
What is the meaning of Zero Depreciation and how does it work?
Depreciation refers to the loss of value due to wear and tear over the period of years. At the time of insuring your vehicle or selling your two wheeler, depreciation is deducted this lowers the value of your vehicle. And, insured declared value in the case of insurance. In case of an accident if your two wheeler is damaged, you may not be able to recover the entire expense incurred on the parts replacement. Insurer only pays for the replaced parts after deducting the depreciation amount. You will have to pay for the difference between the market value of the new part and the depreciated part of the two wheeler. With Zero Depreciation, this theory doesnt get applied as you are totally covered and no depreciation is applied on the parts giving you total protection. It reduces your out of pocket expenses and give total protection to your two wheeler.
What is the meaning of Emergency Assistance Cover and 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 vehicle and there is damage, it needs to be towed to a garage. With this add on cover, you may call the insurer and they will get your vehicle towed to the nearest possible garage upto 100 kms from your declared registered address.We are here to offer you round-the-clock assistance to deal with emergency breakdown issues. 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!
No Claim Bonus
In simpler terms No claim bonus or NCB is a reward in the form of premium discounts given by your insurer to you for making no claims. Its an award for your good driving skills and registering zero claims. The value of the discount depends upon the insurance claims you have made in that particular year.
Discounts offered by HDFC ERGO Two Wheeler Insurance
You can get upto 70% discount on Two Wheeler Insurance with HDFC ERGO!
What to do if bike insurance is expired ?
In case your bike insurance is expired, you can still buy a policy without any inspection instantly.
What is IDV – Insured Declared Value!
IDV is the maximum sum insured or cover, which is provided by the insurance company in case of a total loss due to damage or theft.
Two Wheeler Insurance Comparision
| Comprehensive(Single year) | Comprehensive(Long Term) | Third Party (Liability Only) | |
|---|---|---|---|
| Accidental Damage | |||
| Theft | |||
| Damage due to fire | |||
| Damage due to natural disaster | |||
| Personal Accident cover | |||
| Damage to a third-party vehicle | |||
| Injury to a third-party person | |||
| Zero Depreciation | Optional Add-on | ||
| Emergency assistance cover | Optional Add-on |
Secured Over 1 Crore+ Smiles!
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Transparency at its best
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Secured Over 1 Crore+ Smiles!
Overnight Car Repair Services
Transparency at its best
All the support you need- 24 x 7!
Go Paperless! Go Boundless!
Best in class service. But 10 of 10 for all thanks to HDFC ERGO
Won Kiritkumar Christian
Two wheeler Insurance
Excellent customer service complete satisfaction..thank you.
Mithun S Kumta
Two wheeler Insurance
Very good service of your detailed surveyor and claim credits in my account in short time. Thanks
Atender Singh Sirohi
Two wheeler Insurance
Overall is Good. they understand very well and passed the claim.
Rohit Mulchand Vishwakarma
Two wheeler Insurance
Fast and good service.
Jatinbhai Chandulal Shah
Two wheeler Insurance
If we give correct information companey like hdfc ergo help you at their maximum level thank you hdfc ergo team.
Rohit Ransing
Two wheeler Insurance
Frequently asked questions
- 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
- 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. - 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 two wheeler – you can choose from the mentioned options: i. Package/Liability policy for upto 2 or 3 years policy duration
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