Drive without fear of paying fines for next 3 years.Buy long term two wheeler insurance now !

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

Standalone Motor Own Damage Two Wheeler Insurance

If you are looking to protect your two wheeler's own damage, which means the damage caused to your own vehicle due to accidents, fire, calamities or a total loss due to theft independently then this plan is most-recommended. With your cashless network garages and 24x7 customer support we cater to your requirements at every moment. Look out to buy an emergency assistance add on cover for added benefit.

Reasons to choose standalone two wheeler insurance

Unbelievable discounts up to *70%
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
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!
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!
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?


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
Fire &Explosion

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


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.

Natural CalamitiesNatural Calamities

Natural calamities leave a lasting impact,we cover you if your two wheeler gets damaged due to earthquake,landslide,floods,Tsunami etc.

To buy a standalone two wheeler insurance plan for own damage you must have a valid third party liability policy which is valid for at least a year


What’s not included?


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

Electrical & Mechanical Breakdown
Electrical & Mechanical Breakdown

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

Illegal Driving
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.


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 your two wheeler 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.
Standalone Motor Own Damage Cover - Two Wheeler UIN: IRDAN125RP0002V01201920, *Discount may vary as per make model

Know what the expert speaks about our two wheeler insurance plans

Mukesh Kumar | Motor Insurance Expert | 30+ years of insurance industry experience
New age technologies like Big data analytics, Artificial Intelligence and machine learning are being adopted to improve the whole processes across the insurance industry. I would recommend choosing HDFC ERGO to meet your vehicle insurance needs, the insurer has been at the forefront in adapting these new age technologies, you can expect complete transparency and security in their process, be it buying, renewing or making claim

Frequently asked questions

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.

    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.
The Insured Declared Value (IDV) is the maximum amount of sum assured fixed by the insurance company, according to the present market value of the vehicle. Sometimes, the overall repair cost exceeds 75% of the vehicle’s IDV,and then, the insured car is treated as a Constructive Total Loss claim
Well, you can change both the IDV and coverage of your policy. You can increase your IDV and can also sign up for upgrades like emergency assistance cover, zero depreciation cover, and engine and gear box protector, among others. However, keep in mind that you will have to pay an additional amount for that. You can also opt for a Voluntary Deductible to reduce your insurance premium. It will, however, mean that you will have to contribute a predetermined amount to the claim amount.
Bumper to bumper is an add-on cover providing complete coverage, in case of an unfortunate event, to damages done to fibre, metal, and rubber parts of your car. This, however, does not cover engine damage, batteries, tyres and glass. Pay additional premium to purchase this add-on. It is also known as zero depreciation or nil depreciation car insurance.
The expired policy can be renewed online. All you have to do is visit the website of the insurer, make a self-survey of your bike, and upload the required documents. Once the documents are approved, a payment link would be sent. After the payment is done, your policy will be renewed.
If you have witnessed a significant rise in the insurance premium during renewal, it might be because of loading. Simply put, it is the amount that is added to a policy to cover for losses which were higher than what the insurer was anticipating. This comes into the picture if the policyholder is prone to a certain type of risk or opts for claims quite often. Loading protects insurance companies against high-risk individuals.
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