• Introduction
  • What's included?
  • What's not included?
  • Why Choose HDFC ERGO ?
  • FAQs

Long Term Two Wheeler Comprehensive Insurance

We at HDFC ERGO shield you against risks such as accident, theft or any damage you cause to a third party. Long Term Bike Insurance Package Policy is designed to secure your bike for a long run. Buying a long term bike insurance policy for 2/3 years will keep the renewal hassles at bay. You also don’t have to deal with the third party premium hikes every year and moreover your bike remains covered for a long term letting you ride without any worries. As per supreme court ruling, starting from 1st Sept, 2018, 5 years third party cover is mandatory for new vehicle.

Reasons to choose two wheeler comprehensive insurance

Unbelievable discounts up to 70%
Yes! It is hard to believe! But, we love doing the unbelievable, and that is why it is trusted by Two Wheeler owners out there! Buy your Two Wheeler insurance policy Now!
No Limits on Claims
You can make unlimited claims with our Two Wheeler Comprehensive Insurance! Isn't that amazing? Now, conquer the roads and ride safely. We truly believe in utmost transparency!
Get The Coverage You Need!
We offer you a wide range of two-wheeler insurance policies, single year & long-term comprehensive insurance, single year and long-term liability only policy.
Go Paperless! Go Boundless!
Why go through the fuss of lengthy, time-consuming procedures when we give you all you need in a flash? Get your two-wheeler covered now.

What’s included?

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Accidents

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

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Fire & Explosion

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

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Theft

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.

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Calamities

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.

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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.

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Personal Accident Cover

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

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

What’s not included?

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Depreciation

We do not cover depreciation in the value of the two wheeler.

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Electrical & Mechanical Breakdown

Any electrical or mechanical breakdowns remain uncovered under our two wheeler insurance policy.

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Illegal Driving

Your two wheeler insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol remains out of two-wheeler insurance coverage scope.

Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Take a quick look at our customer base, and you are sure to be amazed to see 1 Crore+ smiling faces! The multitude of awards received by us including the IAAA and ICRA ratings further speak about our trustworthiness, credibility and highest claim paying abilities!
Why HDFC ERGO?

Overnight Car Repair Services

The stars might refuse to shine, but we will never refuse to repair! We repair minor accidental damages from dusk to dawn without any hassle. You can simply get in touch with us; we will get your car picked at night, repair it and deliver it by morning at your door step .We offer these services in 13 cities at present!
Why HDFC ERGO?

Transparency at its best

Transparency holds the key to our transactions, and you can be assured of getting the seamless claim procedures. With 30 Minutes*** claim approval & online claim intimation via QR code we’ve been winning customer smiles everywhere.
Why HDFC ERGO?

All the support you need-24x7

Get hassle-free support every day, every week whenever and wherever you need! With our dedicated in-house claims team and customer support, we ensure every query is responded . Isn’t that great? To know someone has your back even in the middle of the night?
Why HDFC ERGO?

Go Paperless! Go Boundless!

Why stick to age-old time-consuming paper works when HDFC ERGO can get all your works done paperless? The online transactions make you boundless and free! Your time is valued at HDFC ERGO!
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Take a quick look at our customer base, and you are sure to be amazed to see 1 Crore+ smiling faces! The multitude of awards received by us including the IAAA and ICRA ratings further speak about our trustworthiness, credibility and highest claim paying abilities!

Overnight Car Repair Services

The stars might refuse to shine, but we will never refuse to repair! We repair minor accidental damages from dusk to dawn without any hassle. You can simply get in touch with us; we will get your car picked at night, repair it and deliver it by morning at your door step.We offer these services in 13 cities at present!

Transparency at its best

Transparency holds the key to our transactions, and you can be assured of getting the seamless claim procedures. With 30 Minutes*** claim approval & online claim intimation via QR code we’ve been winning customer smiles everywhere.

All the support you need- 24 x 7!

Get hassle-free support every day, every week whenever and wherever you need! With our dedicated in-house claims team and customer support, we ensure every query is responded .Isn’t that great? To know someone has your back even in the middle of the night?

Go Paperless! Go Boundless!

Why stick to age-old time-consuming paper works when HDFC ERGO can get all your works done paperless? The online transactions make you boundless and free! Your time is valued at HDFC ERGO!

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FAQs

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 two wheeler insurance. As per the Motor Vehicle Act, it is mandatory to buy a Liability only policy without which one cannot use the vehicle on road.
A comprehensive insurance policy provides protection to your two wheeler 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.
There two types of insurance policies – comprehensive and third party liability. Comprehensive insurance ensures complete protection to your  two wheeler 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.
  4.  

    For more than one year old two wheeler – 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.
Awards & Recognition
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