Riding a two wheeler gives you an edge against traffic; however
it is also vulnerable to road accidents. As per the recent Stats Two
Wheeler accident cases are rising high each day. To secure your Two
Wheeler against unforeseen expenses and enjoy total peace while riding
your two-wheeler, it is advisable to opt for a Two Wheeler Insurance by
HDFC ERGO Two Wheeler Insurance Policies not only gives you the
freedom to ride your two-wheeler with complete peace of mind but also
gives ease to your pocket with a discount up to 70%*.
A comprehensive two wheeler policy offers total protection
against possible threats of accidental damage and third party liability.
Unlike third party liability only, a comprehensive two wheeler policy is
a friend for your bike or scooter which back you up at difficult
Not only that, the option of long term two wheeler insurance
doubles the benefit as it assures savings against annual third party
premium hike. Additionally, the No claim bonus discount feature in two
and three years policies rewards you for every claim-free year.
Are you already holding a Third Party Liability
Third party liability policy is a motor insurance policy that
doesn’t cover your vehicle against any accidental damage or theft. In
case you already hold a third party liability policy, then it’s always
recommended to opt for a comprehensive policy.
Why choose 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+ policy issuance! The multitude of awards received by us
including the IAAA and ICRA ratings further speak about our
trustworthiness, credibility and highest claim paying abilities!
- We Love Claims!
Our claim settlement policy is as clear as the crystal-clear waters.
Transparency holds the key to our transactions, and you can be assured
of getting the seamless claim procedures.
- Trusted by Millions
With over 75 lakhs happy customers, HDFC ERGO is a recognized brand for
taking care of your insurance needs. The brand has been assigned
‘iAAA’rating by ICRA indicating its highest claim paying ability.
- All the support you need- 24 x 7!
Get hassle-free support every day, every week whenever and wherever you
need! Isn’t that great? To know someone has your back even in the middle
of the night?
- Unbelievable discounts upto 70%*
Yes! It is hard to believe! But HDFC ERGO always does the unbelievable,
and that is why it is the top pick of every Two Wheeler enthusiast out
there! Look for your discounts!
- Go Paperless! Go Boundless!
Why go through the fuss of lengthy, time-consuming procedures when HDFC
ERGO gives you all you need in a flash? Get your two-wheeler covered!
- Make Your Pick! Get The Coverage You
HDFC ERGO offers you two types of two-wheeler insurance policies, the
Long-term two-wheeler package Insurance and the liability only
- No Limits on Claims
You can make unlimited claims with our Two Wheeler Comprehensive
Insurance! Now, conquer the roads and ride safely.
What gets covered under Two Wheeler
Accidents are unfortunate. However, if it has taken place, we get you
If you bike gets stolen it is nothing less than a nightmare. Quit the
stress and leave it us, as we cover total loss of your two wheeler due
- Fire & Explosion
If fire incidents, explosion, lightening or self-ignition damage your
two wheeler. Stay calm. We Can Handle This!
Both Manmade and Natural calamities leave a lasting impact, similarly if
your two wheeler gets damaged due to earthquake, landslide, floods,
riots, terrorism etc. your finances may take a toll. For repairing your
two wheeler and getting it back to running we shall cover you.
- Personal Accident
In case of injuries due to car accidents, we cover all your treatments
and make sure you are healthy and lively above anything else!
- Third Party Liability
Third Party liability helps you cover losses caused due to death or
injury to a third party person or damage to a third party property.
Add On Covers
Zero Depreciation Claim
- Get the Entire Amount With Zero Depreciation
Usually, insurance policies pay out covers after the deduction of the
depreciation amount. But, with a zero-depreciation cover, no deductions
are made, and you get the entire amount in your hands! The battery costs
and tires do not come under zero depreciation cover though.
- How does it Work?
If you two wheeler is damaged and the claim amount is Rs 5000, out of
which insurance company says that you need to pay Rs. 2000 as
depreciation amount excluding policy excess/deductible. If you buy this
add on cover then, the insurance company will pay the entire 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 any
technical or mechanical breakdown issues of your car! 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?
For instance, if you are driving your two wheeler 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
What does not get covered under Two Wheeler
We do not cover depreciation in the value of the car over time.
- Electrical & Mechanical Breakdown
Any electrical or mechanical breakdowns remain uncovered under our car
- Illegal Driving
Your car insurance goes out of action if you do not possess a valid
driving license. Driving under the influence of drugs/alcohol remains
out of car insurance coverage scope.
*Please note that the above mentioned points are
illustrative exclusions. Kindly refer to policy wordings.
(As per Supreme Court ruling, starting from 1st Sept, 2018, 5
years third party cover is mandatory.)
(*Discount is as per the make & model of the vehicle. It is not a
- What is HDFC ERGO Two Wheeler Comprehensive
It is an insurance policy to cover your vehicle against potential risks
like theft, accidental damage, third party liability & many others,
through a single policy document. Please select appropriate choice,
while buying policy Online.
What benefits shall I get on Long Term
You shall have following benefits over single year policy:
- Convenience of insurance, protection for long term
- Longer policy duration means “No worry for annual
- Third party premium by regulator gets fixed today
for full policy period i.e. buy two or three years policy today to
realize your saving.