Back   Home Multiyear (Upto 3 Years) Third Party Insurance for Two Wheelers

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What is 3rd Party Insurance

Third-party insurance only is a mandate under the Motor Vehicles Act, 1988. A multi-year policy covers legal liability for injury, death, owner driver & optional personal accident cover for Pillion passenger, and/or property damage caused to a third party in the event of an accident.

Safety comes first! We truly agree to the fact, that with the growing number of vehicles, there are high probabilities of accidents and mishaps happening on the road. Despite following all the safety norms, a slightest piece of negligence may lead to a fatal accident. Such a road accident may at times lead to loss of life or severe injury. Due to development in medical science, there is a considerable rise in hospitalization expenses. Additionally, the repair costs for the damaged vehicle may burn a hole into your pocket. To meet such unforeseen expenses and ensure a planned financial regime, it’s beneficial to opt for HDFC ERGO Multi Year Third Party Liability Only Two Wheeler policy.

The best benefit of getting a multiyear third party liability cover is you get coverage for up to three years as per your requirement. In addition, the two year multiyear policy also gives you a break from annual renewals. By opting in for this policy, you can secure yourself against the revision of Third Party rates every year, resulting in significant savings in subsequent years.

Key Highlights

Why choose HDFC ERGO Two Wheeler Insurance?

  • 24*7 Support
    HDFC ERGO offers round the clock support for convenience and a hassle-free experience. You can call us on 1800 2700 700 or write an e-mail to:
  • Zero Documentation
    You need not go through lengthy procedures for buying online two wheeler insurance policy
  • 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.
  • Fair and transparent claim settlement policies
    HDFC ERGO Motor Insurance claims are settled with utmost transparency


Benefits of HDFC ERGO Multiyear Two Wheeler Policy

  • Instant Policy Issuance
  • Long term protection
  • No more annual renewals
  • Paperless transaction
  • Various online payment through multiple secure payment modes
  • More savings with increase in annual increase in TP premium in subsequent years

(All discounts are subject to necessary excess/deductibles as pre the terms & conditions)


What gets covered under Multiyear Two Wheeler Insurance Third Party Liability?

Liability to Third Parties
Under this policy your liabilities towards third parties for injuries, permanent total disability, death and property damage arising due to any accident involving your vehicle gets covered.

Personal Accident Cover
HDFC ERGO Two Wheeler Liability Only Insurance provides compulsory Personal Accident cover of Rs. 1 lac on two-wheelers in case of accident, death and personal total disability to the owner-driver.


  • Comprises of Third Party premium set by IRDAI. For a quote please click here.

Add ON Covers

Add ON Covers for Two Wheeler Insurance Policy

Opting for HDFC ERGO Comprehensive two wheeler Insurance policies is indeed the best way to pamper your beloved vehicle. However, it’s always essential to upgrade your two wheeler Insurance policy with Add-ons covers to ensure maximum coverage for total protection. Let’s take a quick look at two wheeler Insurance policy’s Add-on covers that bring in more safety, protection with added coverage for a happy riding experience.

Zero Depreciation Claim
Provide benefits against depreciation on parts at the time of a partial loss claim.

What’s not covered?

Tyre & battery costs

Emergency Assistance Service Programme
This add-on cover helps you deal with any mechanical or technical breakdown or road accident. It aims at providing round the clock road assistance for a pleasurable driving experience. Further it has a bouquet of services which includes tyre replacement cover, towing of vehicle to the nearest garage, emergency fuel delivery, accommodation arrangement in case of break down, alternate travel arrangement, minor repairs on the spot etc.


What does not get covered under Multiyear Two Wheeler Insurance Third Party Liability?

  • Contractual liability claims
  • Any damage and/or liability caused sustained or incurred outside the Geographical area
  • Vehicle is being used otherwise than in accordance with the limitations as to use
  • Liabilities that may arise directly or indirectly from nuclear weapons materials

*Please note that the above mentioned points are illustrative exclusions. Kindly refer to policy wordings.

*This content is descriptive only. Actual coverage is subject to language of the policy issued.

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