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Customer RatingsHonda Two Wheeler Insurance
Over the past decade, Honda Motor Company has consistently maintained the trust and expectations of Indian buyers. It was established in 1948 and introduced its first motorcycle in 1949 - the 'Dream' D-type. Honda began its Indian operations in collaboration with the Hero Group in 1984. In 2001, Honda Motorcycle & Scooter India (HMSI) Pvt Ltd. was born, and with its first model - the Honda Activa, the company began to gain a strong foothold in the Indian market. Ten years later, in 2011, it formally split with the Hero Group. Honda motorcycles are worth a buy, considering the low maintenance cost, and if you plan to buy a Honda motorcycle, having a Honda two-wheeler insurance is advisable.
Honda now has four manufacturing facilities in India and is the second-largest manufacturer of two-wheelers in the country and the largest in the world. Apart from Activa, Honda's famous models are Unicorn, Dio, Shine, etc. HDFC ERGO offers Honda bike insurance with various add on covers like no claim bonus protection, zero depreciation, etc.
Popular Honda Two Wheeler Models
Types of Honda Two Wheeler Insurance HDFC ERGO Offers
Owning a bike is not enough, you need bike insurance too. More precisely, you need a Honda bike insurance policy to be able to ride your dream two-wheeler on Indian roads. But it’s not just a legal requirement; it’s a financially sound decision as well. From a basic third party bike insurance to a long term two wheeler comprehensive insurance package, your policy will act as a financial safety net in case of an untoward incident. Here are your options:
This is the most recommended option as it includes third-party liability, a personal accident cover, and crucially – own damage bike insurance cover. It provides all-round financial protection to you, your bike, and to your liabilities in case you are at fault in an accident. You can also further enhance your coverage with select add-ons.
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Accident, theft, fire etc.
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
This is the type of insurance that is mandatory under the Motor Vehicles Act, 1988. It covers you financially against any losses arising out of injury, death, or disablement to a third-party person, or damage to their property. It also covers against any legal liabilities you may face as a result of the accident.
Personal accident cover
Third-party property damage
Injury to a third-party person
The standalone own damage policy is ideal for those who already possess a third-party liability insurance policy and want to increase the scope of coverage. It covers you against losses arising out of damage to your own vehicle as a result of an accident. Furthermore, you unlock the choice of add-ons to enhance your coverage.
Accident, theft, fire etc
Natural calamities
Choice of add-ons
A plan that’s designed to add convenience and all-round protection to your bike ownership experience, the multi-year Honda bike insurance package includes a five-year third-party liability component and an annually renewable own damage insurance component. Even if you forget to renew your own damage component on time, you will still be financially covered.
Accident, theft, fire etc
Natural calamities
Personal accident
Third-party liability
Choice of add-ons
Inclusion & Exclusions of Honda Two Wheeler Insurance
Your Honda bike insurance policy offers coverage depending on your policy type. While a third-party liability insurance only provides coverage against damage to a third-party person or property, a comprehensive bike insurance policy for Honda covers the following:
Accidents
Financial losses arising due to damage to your own bike as a result of an accident is covered.
Fire & Explosion
Damage to your bike as a result of fires or explosions is covered.
Theft
If your bike gets stolen, you will get compensated with the IDV of bike.
Calamities
Natural and manmade calamities such as earthquakes, storms, floods, riots, and vandalism are covered.
Personal Accident
Your treatment-related charges are all taken care of up to Rs. 15 lakhs.
Third Party Liability
Injury, disablement or death to a third-party person, and damage to their property are also covered.
Reading the policy document carefully will reveal its scope of coverage and the potential gaps. No policy covers ‘everything’. These are the general exclusions in your Honda bike insurance policy:
Depreciation
Your Honda bike insurance policy does not cover for depreciation, unless you’ve opted for a Zero Depreciation add-on cover.
Wear and tear
Just like depreciation, natural wear and tear of components are not covered under a policy even if it leads to a malfunction.
Electrical & Mechanical Breakdown
Electrical or mechanical breakdowns are not covered under your policy, unless you opt for specific add-ons.
Illegal Driving
Indulging in any behaviour that violates the law voids your insurance claim. It includes jumping the traffic light, driving without a license, or driving under the influence of alcohol or drugs.
Add-ons For Your Honda Bike Insurance
Features of Honda Two Wheeler Insurance
| Key Features | Benefits of Honda Two Wheeler Insurance |
| Own Damage Cover | Covers damages to the bike due to any unforeseen events mentioned as insurable perils. |
| Third Party Damage Cover | Covers third party injuries and property damages. |
| Choice of Unique Add-ons | Customise Honda bike insurance policy by selecting choice of add-ons like zero depreciation, emergency roadside assistance, etc. |
| Claim Settlement Ratio | 100% Claim Settlement Ratio^ |
| Cashless Garage Network | 2000+ ˇ all across India |
| Policy Buy Time | Less than 3 mins |
Honda Bike Model Price
| Bike Models | Price |
| Honda Activa 6G | Rs 96,116 (on-road price Mumbai) |
| Honda Dio | Rs 92,227 (on-road price Mumbai) |
| Honda Grazia | Rs 99,852 (on-road price Mumbai) |
| Honda Activa 125 | Rs 1,01,055 (on-road price Mumbai) |
| Honda CD 110 Dream | Rs 91,669 (on-road price Mumbai) |
| Honda SP 125 | Rs 1,06,540 (on-road price Mumbai) |
| Honda Shine | Rs 1,00,107 (on-road price Mumbai) |
| Honda Unicorn | Rs 1,36,965 (on-road price Mumbai) |
| Honda Hness CB350 | Rs 2,53,633 (on-road price Mumbai) |
| Honda CB300R | Rs 3,31,077 (on-road price Mumbai) |
| Honda CBR 650R | Rs 10,88,222 (on-road price Mumbai) |
Note: The above price keeps changing as per Honda company's sales strategy.
How to Buy Honda Bike Insurance Online
If you are owner of a Honda motorcycle, it is wise to buy or renew two wheeler insurance online. Here’s how you can buy Honda bike insurance online:
Step 1. Navigate to the bike insurance product through our HDFC ERGO website and
fill in the details, including your bike registration number and then click on get quote.
Step 2: Choose between comprehensive and third party liability cover. 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 no claim bonus protection cover, zero depreciation, etc
Step 4: Give details about your last 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 Honda bike insurance premium
Pay the premium via a secured payment gateway.
The Honda two wheeler insurance policy will be sent to your registered email address or via WhatsApp.
How to Buy Two wheeler insurance for a Second-hand Honda bike
TEven if you buy a secondhand Honda bike, you must have a two wheeler insurance policy for it. Riding without a valid bike insurance policy is illegal as per the Motor Vehicles Act of 1988.
Before buying second-hand bike insurance, remember the following things:
• Ensure the new RC is in the new owner's name
• Check the Insured Declared Value (IDV)
• If you have an existing bike insurance policy, get the No Claim Bonus (NCB) transferred to get a discount
• Choose from several add-on covers (emergency roadside assistance, no claim bonus protection, zero depreciation cover,etc)
Now let us see steps to buy Honda two wheeler insurance for second hand Honda bikes
Step 1. Visit the HDFC ERGO website's bike insurance section, enter your secondhand Honda bike registration number, and click on get a quote.
Step 2: Enter your secondhand bike make and model.
Step 3: Give details about your last secondhand bike insurance policy.
Step 4: Select between a third party bike insurance and a comprehensive cover.
Step 5: You can now view your Honda bike insurance premium.
How to Renew Honda Two Wheeler Insurance?
Your Honda bike insurance renewal will take only a few minutes. It can be completed with just a few clicks from the comfort of your own home. Follow the four-step process mentioned below and get yourself covered instantly!
Step #1Visit HDFC ERGO website and choose to buy or renew your policy
Step #2Enter your bike details, registration, city, and previous policy details, if any
Step #3Provide your email ID, and phone number, to receive the quote
Step #4Make the online payment and get covered instantly!
How to Renew an Expired Policy for Your Honda Two-Wheeler?
If your Honda bike insurance policy has expired, it is advisable to renew it to avoid paying hefty fines to RTO. The Motor Vehicles Act of 1988 says that every vehicle owner to have at least third party cover of motor insurance policy.
Now let us see steps for Honda two wheeler insurance renewal.
Step1: Visit the bike insurance section on HDFC ERGO website and select renew policy, if your previous policy was with HDFC ERGO. If your Honda bike insurance policy
was with another insurer, you must enter your two-wheeler registration number.
Step 2: Enter details associated with your HDFC ERGO policy that you want to renew, include or exclude add-on covers, and complete the journey by paying
the bike insurance premium online. Choose comprehensive or third-party cover if your policy was with another insurer. After that, you can select add-ons if you opt for comprehensive cover.
Step 3: The renewed bike insurance policy
will be mailed to your registered email or your WhatsApp.
Honda Cashless Bike Insurance Claim Process
If you want to raise cashless claim against your Honda two wheeler insurance policy, then you will have to go through following steps:
• Inform the HDFC ERGO claim team regarding the incident by calling on our helpline number or
sending a message on WhatsApp on 8169500500.
• Take your two-wheeler to HDFC ERGO cashless network garage. Here, your vehicle will be inspected by an individual appointed by the insurer.
• After receiving our approval,
the garage will begin to repair your bike.
• Meanwhile, submit the required documents and the duly filled claim form to us. If any specific document is required, we will inform you of the same.
• The HDC ERGO claim
team will verify the details of the cashless claim in bike insurance and will either accept or reject the claim.
• Upon successful verification, we will settle a cashless bike insurance claim by paying the repair expenses directly
to the garage. Remember that you might have to pay the applicable deductibles, if any, out of your own pocket.
Note: In the case of third-party damage, you can take the details of the other vehicle's owner involved in the accident. However, for significant damage or theft of your vehicle, you have to file an FIR report at the nearest police station before initiating the cashless bike insurance claim process.
Honda Reimbursement Bike Insurance Claim Process
While filing reimbursement claim for Honda bike insurance or Honda scooty insurance policy, you will have to go through following steps
• Step 1: Intimate claim to the HDFC ERGO claim team regarding the incident by contacting them
via call or registering it through our website. Get in touch with our claim team by calling on our helpline number or sending a message on WhatsApp on 8169500500. With the link provided by our agent, you can upload documents online. You
can opt for self inspection or an app enabled digital inspection by a surveyor or workshop partner.
• Step 2: Note the registration number of the vehicle/s which are involved in an accident.
• Step 3: If needed, file
an FIR at the nearest police station. The FIR copy may be necessary for filing the claim.
• Step 4: Note down particulars of the accident like time and location. Note down the name and contact details of any witnesses.
•
Step 5: Track of your claim status through the claim tracker.
• Step 6: When your claim is approved you will get the notification through the message.
Why HDFC ERGO Should be Your First Choice?
Bike insurance is a crucial aspect of bike ownership. Not only are you required to purchase insurance in order to ride legally, it is a financially wise decision as accidents happen without warning. Moreover, while you may be a safe driver, your safety is also dependent on others on the road. Any accident can leave you with substantial bills to pay for repairs. This is where bike insurance helps, by preventing these unexpected, out-of-pocket expenses. Then comes the step of choosing the right insurer. Here’s why you should choose HDFC ERGO for your Honda bike insurance policy:
Extensive service
You need an insurer that has a substantial presence across the region you are in or country. And with over 7100 cashless garages across India, HDFC ERGO ensures that help is always at hand.
24x7 roadside assistance
The 24x7 roadside assistance facility ensures you are never stranded helplessly in case of any breakdown.
Over one crore customers
HDFC ERGO has over 1.5 crore happy customers, which means you can rest assured that your needs will be taken care of.
Overnight services
Your routine can get disrupted when your car is in service. However, with our overnight service for minor accidental repairs, simply catch up on your night’s sleep and have the car delivered to your doorstep in time for your morning commute.
Easy claims
The ideal insurer should process claims quickly and smoothly. HDFC ERGO does that as we efficiently process our policyholders' claims. We have a record of a 100% claim settlement ratio.
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