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HDFC ERGO Bike Insurance Details Explained

19 July 2022, 2:42 PM

HDFC ERGO bike insurance plans cover the two-wheeler against accidents, theft, and natural and man-made disasters. HDFC ERGO General Insurance is a joint venture between HDFC Ltd. (an Indian housing finance company) and ERGO International AG (a part of Munich Re Group).

Investment Information and Credit Rating Agency of India (ICRA) has assigned HDFC ERGO an 'iAAA' grade. This grade indicates the best ability to settle the claims.

Types of HDFC ERGO Two-wheeler Insurance Plans 

Comprehensive Two-wheeler Insurance

- Comprehensive bike insurance coverage protects you against damage to a third-party person or property and harm to your two-wheeler.

- You can also modify it by choosing suitable add-ons to meet your needs.

- Customers can choose the tenure for coverage based on their requirements. The protection offered is for 1, 2 or 3 years. You can opt for two-wheeler insurance for three years so that you don't need to renew it annually.


HDFC ERGO Comprehensive bike insurance cover is best suited for those who want an overall shield. This plan offers -

  • Third-party liability.
  • Coverage against accidents, theft, fire, natural calamities, etc.
  • Personal accident cover.
  • Choice of add-ons.

Third-party Cover

Third-party liability cover only protects against claims resulting from damage to a third-party person or property. As per the Motor Vehicles Act 1988, the Government of India has made a third-party bike insurance cover mandatory for every two-wheeler owner.


HDFC ERGO Third-party bike insurance plans are best suited for users who only ride their bikes occasionally. This plan offers:

  • Third-party liability
  • Personal accident cover

Standalone Own Damage Cover

The standalone own damage bike insurance plan protects when losses occur due to damage to your bike.


Appropriate when your two-wheeler is already covered with a third-party bike insurance plan. This plan offers:

  • Coverage against natural calamities.
  • Choice of add-ons.
  • Coverage against theft, accident, fire, etc.

Insurance Cover for Brand New Bikes

This policy provides third-party coverage for five years, along with the coverage for damage to your two-wheeler for a year.


Useful for customers who own a third-party cover, HDFC ERGO standalone own damage bike insurance plan provides:

  • Choice of add-ons.
  • Coverage against natural calamities.
  • Coverage against theft, accident, fire, etc.
  • Third-party liability cover.

HDFC ERGO Two-wheeler Insurance - Special Features

Essential Characteristics and Benefits Under HDFC ERGO Two-Wheeler Insurance
Its AI-enabled tools facilitate fast claim settlement.
HDFC ERGO Two-wheeler insurance provides protection against third-party losses.
HDFC ERGO Two-wheeler insurance covers man-made as well as natural calamities.
HDFC ERGO provides add-ons to customise your policy.
Bike insurance premiums are available starting from INR 538
Provides personal accident cover up to INR 15 Lakhs.
HDFC ERGO has a large network of 7600+ cashless garages across India.
It takes less than 3 mins to buy an HDFC ERGO bike insurance policy.
It provides doorstep repair service and emergency roadside support.
No inspection is required while buying an HDFC ERGO insurance policy.

HDFC ERGO Two-wheeler Insurance – Inclusions And Exclusions

Let's start with the inclusions.

  • You need not worry about the damages inflicted on your bike in the accident as HDFC ERGO covers the same.
  • Accidental fire or explosion would not hamper your finances when insured with HDFC ERGO bike insurance.
  • Your bike is immune to theft losses with HDFC ERGO bike insurance.
  • Natural calamities are out of your control, but the compensation with insurance cover is!
  • You need not be guilty anymore of damaging a third-party property or person. HDFC ERGO bike insurance cover provides protection against such damage too.

Let's glance at the exclusions.

  • Usual wear, tear, or depreciation.
  • Any breakdown whether electrical or mechanical.
  • Drink and driving or driving without a license is not covered.

Benefits of Choosing the HDFC ERGO Bike Insurance Policy

  • Premiums are as low as INR 538.
  • Provides doorstep repair service.
  • AI-enabled motor claim settlement services.
  • Facilitates emergency roadside assistance.
  • Enables instant policy purchase.

Super-easy Claim Process with HDFC ERGO Bike Insurance

Filing a HDFC ERGO bike insurance claim has never been easier, thanks to HDFC ERGO's four-step procedure that will lessen your claim-related concerns!

  • Step 1: Lesser paperwork! You just need to share all the required documents online and register your claim.
  • Step 2: You can opt for app-enabled digital inspection by a surveyor or self-inspection or inspection by a workshop partner.
  • Step 3: Keep track of your claim status using the claim tracker.
  • Step 4: Wait for HDFC ERGO to approve and settle your claim.



1. What are the HDFC ERGO third-party two-wheeler insurance premium rates?

The latest rates issued by IRDAI for third-party two-wheeler insurance range from INR 538 to INR 2,804 depending upon your two-wheeler's cubic capacity. These rates apply to third-party policies of HDFC ERGO and other insurance providers.

2. Can I escape a fine If I have a comprehensive two-wheeler insurance policy of HDFC ERGO?

Yes, you can. The reason is the HDFC ERGO comprehensive two-wheeler insurance policy offers the mandatory third-party liability cover besides coverages against own damage.

3. How can I locate my nearest cashless garage of HDFC ERGO two-wheeler insurance?

The official website of HDFC ERGO displays the list of cashless garages in your city. In case you can’t find your nearest cashless garage, you can also check with the customer care department of HDFC ERGO.

4. How can I renew my HDFC ERGO two-wheeler insurance?

You can renew your two-wheeler insurance policy with HDFC ERGO in two steps.

Step 1: Visit the official website > key in the policy number > make changes to the plan if required.

Step 2: Pay the premium

Bang on! Your policy is renewed!

5. What add-on covers are available with HDFC ERGO two-wheeler insurance plans?

HDFC ERGO bike insurance plans offer different add-on covers. These add-ons can be purchased in exchange for an additional premium. These covers are emergency assistance cover, zero depreciation cover.

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