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Motorbikes are popular two-wheeler vehicles that provide people with affordable and comfortable means of transportation. They take up far less space in comparison to cars and are easy to handle on busy roads. However, if you are riding a bike, it is advisable to have a bike insurance policy, as it will provide coverage for vehicular and accidental damage due to unforeseen events. While buying an appropriate policy, it is wise to compare two wheeler insurance online. By doing so, you can choose the best policy which fits your requirement.
Bike insurance provides coverage for two-wheeler damage due to fire, theft, earthquake, flood and other unwanted scenarios. By virtue of owning valid bike insurance, motorbike owners need not fret about having to pay out-of-pocket for these damages that their motorbike might sustain. This is because the bike insurance premium helps cover the costs associated with their two-wheeler’s damage. As per the Motor Vehicle Act of 1988, it is mandatory to have a third party cover, however, for complete protection of your motorbike, it is wise to choose comprehensive bike insurance policy.
When you compare bike insurance online, you can differentiate policy by the coverage it offers. You can choose from comprehensive insurance or standalone own damage cover or third party cover. You can buy/renew two wheeler insurance online through HDFC ERGO as we offer wide network of 2000+ cashless garages.
Why Bike Insurance Comparison is Important?
Owing to the fact that there exist several different bike insurance plans in the market, it is recommended that you compare these different plans online to shortlist the right policy for your motorbike. It is easy to compare plans across several different categories online as more information is available. These comparisons help you to determine the best bike insurance available which provides you with the maximum benefits for the minimum price. Take a look at some of the key factors associated with comparing different bike insurance plans.
How Do You Compare Bike Insurance Policies?
Comparing bike insurance plans is probably the best way to shortlist the right policy for your bike. In a large perspective, bike insurance policies with HDFC ERGO are divided into two broad prospects, comprehensive cover and third party liability. Let’s understand the benefits offered by both these policies to pick the right cover for your bike.
| Comprehensive(Single year) | Multi year two wheeler insurance | Third Party (Liability Only) | |
|---|---|---|---|
| Bike Insurance for Accidental Damage | |||
| Bike Insurance for Theft | |||
| Bike Insurance for Damage due to fire | |||
| Bike Insurance for Damage due to natural disaster | |||
| Personal Accident cover | |||
| Bike Insurance for Damage to a third-party vehicle | |||
| Bike Insurance for Injury to a third-party person | |||
| Zero Depreciation cover for two wheeler insurance | Optional Add-on | ||
| Emergency assistance cover | Optional Add-on |
Important Factors Used to Compare Bike Insurance Policies
When you begin to compare different bike insurance policies with one another, there are a number of important factors that come into play, and which ought to be considered. Some of the more pertinent of these have been examined below.
Price
Coverage
Reviews
Claim Records
Cashless Garages
Price
Coverage
Reviews
Claim Records
Cashless Garages
How to Purchase a Two Wheeler Insurance Policy
Once you compare two wheeler insurance, you can go ahead to purchase bike insurance in following ways:
Step 1: Click on the bike insurance icon on HDFC ERGO website’s home page and fill in the details, including your bike registration number and then click on get quote.
Step 2: Choose from comprehensive, standalone own damage and third party cover.You can also edit your Insured declared value if you opt for comprehensive plan. You can choose plan from one year to three years.
Step 3: You can also add personal accident cover for passenger and paid driver. Furthermore, you can customise the policy by choosing add-on like engine gearbox protection, emergency roadside assistance cover, zero depreciation, etc
Step 4: Give details about your previous bike insurance policy. E.g. Previous policy type(comprehensive or third party, policy expiry date, details of your claims made, if any)
Step 5: You can now view your bike insurance premium
Pay the premium via a secured payment gateway.
The two wheeler insurance policy will be sent to your registered email address or via WhatsApp.
Why Choose a Bike Insurance Plan From HDFC Ergo
Here’s why you should buy bike insurance from HDFC ERGO:
Doorstep Repair Service
AI Enabled Motor Claim Settlement
Save Money on Premium
Annual Premium Starting at Just ₹538
Emergency Roadside Assistance
Buy Policy Instantly
Things to be Remember while Comparing Two Wheeler Insurance
When you compare insurance plans for two-wheeler, you should keep following things in mind:
Coverage & Premium
Check on Add-ons
Deductibles
Claim Settlement Ratio
Exclusions
Benefits of Bike Insurance
The advantages available with HDFC ERGO bike insurance are
| Benefit | Description |
| Comprehensive coverage | Bike insurance covers a wide range of occurrences that can cause damage to your insured motorbike. This include damages due to natural calamities and man-made disasters like riots, terrorism, vandalism, theft, etc. |
| Legal charges | If you are involved in a lawsuit as a result of a bike accident, the policy will cover your legal bills. The financial compensation for damage to third party person/property by your two-wheeler will be borne by the insurer. |
| Adherence to law | It saves you from a penalty by RTO, as third-party liability coverage is required by law. |
| Flexible | You can broaden the extent of your two wheeler insurance by purchasing an appropriate rider. However, you can buy riders only with comprehensive cover or own damage cover. |
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FAQs on Bike Insurance Comparison
● Comparisons drawn online can be made from the comfort of your home.
● You can make these comparisons at any point in time and aren’t pressured by a salesman who might have an incentive to favour one insurance plan over another.
● There is more information available online pertaining to different bike insurance plans.
● Reviews available online provide insight into what makes a certain plan better than another or where a certain bike insurance plan fell short.
● You can learn about bike insurance plans and their premiums which can help you make an economically sound decision.
● Claim Records – You should draw comparisons between different bike insurance providers’ claim settlement ratios in order to determine how likely they are to provide coverage.
● Coverage Provided – Third-party bike insurance policies tend to be limited in the scope of their coverage in comparison to comprehensive bike insurance plans.
● Network of Cashless Garages – The more cashless garages a bike insurance provider has under its network, the better the bike insurance policy.
● Premium Charged – Different policies have different premiums which must each be considered as per one’s budget.
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