Introduction
What's included?
What's not included?
Add-on covers
Why Choose HDFC ERGO ?
FAQs

Two Wheeler Comprehensive Insurance

Nothing protects your bike better than a comprehensive two wheeler insurance. Everytime you ride your vehicle across the busy streets or rough terrain, you stay covered with all in one comprehensive insurance by HDFC ERGO. This insurance shields you against risks such as accident, theft or any damage you cause to a third party. Don't forget to explore our two-wheeler insurance plans to unlock discounts upto 70%.

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.

Buy Now

What’s included?

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

Fire & Explosion

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

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.

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.

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

What’s not included?

Depreciation

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

Electrical & Mechanical Breakdown

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

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.

ADD ON COVERS

Zero Depreciation Cover

Get the Entire Amount With Zero Depreciation Cover!

Usually, 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 car 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 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

We’ve got you covered!

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!

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.

Secure your two wheeler today

Know what the expert speaks about our two wheeler insurance plans

Mukesh Kumar | Motor Insurance Expert | 30+ years of insurance industry experience

I recommend HDFC ERGO for your vehicle insurance needs, it has always put customer’s interest at the forefront, with round the clock assistance to deal with emergency breakdown issues and hassle free claims process. You can be assured of complete and reliable guidance through the whole process.

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!

Overnight Car Repair Services

Transparency at its best

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!

Frequently asked questions

1. What is 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 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.

2. What is comprehensive insurance policy?

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.

3. What are the various types of policies?

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.

4. What are the various long term policies available for Two Wheeler insurance?

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:

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 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

5.Is third party liability a mandatory policy?

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.

6. What is Zero depreciation cover or bumper to bumper coverage?

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.

7. How does emergency assistance programme work?

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.

8. What happens when I wish to renew my expired 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.

9. What happens to my No Claim Bonus while renewing an expired policy?

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.

Our customers have rated us with 4.3/5 Stars

1,54,181 Reviews

Best in class service. Highly recommend HDFC ERGO for the prompt service and transparent advice

Won Kiritkumar Christian

Two wheeler Insurance

Excellent customer service complete satisfaction..thank you.

Atender Singh Sirohi

Two Wheeler Insurance

Highly Satisfied with HDFC ERGO Customer Service team for their support..thank you.

Sivanathan R.

Two wheeler Insurance

They processed the claim fast. The process is efficient and easy

Rohit Mulchand Vishwakarma

Two wheeler Insurance

Service provided by the HDFC ERGO customer care center was excellent. Helped me at every step of my two wheeler insurance claim settlement.

Kunal 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

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Two Wheeler Comprehensive Insurance

Reasons to choose two wheeler comprehensive insurance

What’s included?

What’s not included?

ADD ON COVERS

Know what the expert speaks about our two wheeler insurance plans

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Frequently asked questions

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