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How to Renew HDFC ERGO Two-wheeler Insurance Online?

By Juhi Walia
10 August 2022, 11:45 AM

To ensure adequate coverage, it is suggested to renew your HDFC ERGO bike insurance even before it expires. In addition, purchasing multi-year bike insurance might be beneficial since you won't need to renew it yearly.

Your HDFC ERGO two-wheeler insurance should be renewed on time to be in effect. This only helps continue your insurance against unforeseen incidents you may face when riding your two-wheeler. Therefore, never forget to renew your HDFC ERGO two-wheeler insurance before the deadline. 

When the bike insurance policy's validity term expires, you must renew the current policy ASAP to keep receiving the insurance benefits. The HDFC ERGO bike insurance may be renewed after the policy term or even after the current two-wheeler insurance policy has expired. You can renew as late as 90 days from the policy expiration date.

But it is good to renew your bike insurance coverage on or before the due date. It will help ensure you don't remain uncovered for even a day. To learn about the HDFC ERGO two-wheeler insurance renewal process, refer to the details mentioned below:

Renewal of HDFC ERGO Bike Insurance Policies - Online Procedure

HDFC ERGO provides a streamlined online renewal procedure for bike insurance policies. The steps to renew HDFC ERGO two-wheeler insurance online are as follows:

Step 1: Go to the Official Website of HDFC ERGO General Insurance

Go to the HDFC ERGO General Insurance website and choose "renew" from the options. When you're ready to renew your bike insurance, choose bike/scooter insurance from the choices.

Step 2: Submit the Policy Information

Verify the policy's specifics to ensure all the information stated is accurate before making payments. 

Step 3: Make the Renewal Payment

To renew your two-wheeler insurance coverage, you must make payments by net banking, credit or debit card, Paytm app, etc.

Renewal of HDFC ERGO Bike Insurance Policies - Offline Procedure

You may renew your bike insurance by calling HDFC ERGO at 022-6234-6234 or 0120-6234-6234. To renew your policy, you may also go to the HDFC ERGO branch office near you. There, you will get full support for renewing your bike insurance policy.

To renew your HDFC ERGO bike insurance policy offline, follow these steps:

  • Step 1: Go to the HDFC ERGO insurance office closest to you. Additionally, you may contact the insurer by phone or schedule an appointment with an insurance representative by dialing 0120-6234-6234 or 022-6234-6234.
  • Step 2: Explain the insurance renewal details and your requirements to the renewal supervisor.
  • Step 3: Ensure renewing your HDFC ERGO two-wheeler insurance coverage is as simple as possible.
  • Step 4: Pay the invoice in full by sending the insurer a postdated cheque, cash, or deposit. You may also make a payment using online transactional methods.

Note - HDFC ERGO may disallow cash payments for renewal.

Advantages of HDFC ERGO Two-wheeler Insurance Renewal

No-claim Bonus

You'll get a no-claim bonus or additional reductions if you don't file an insurance claim during your HDFC ERGO bike insurance policy term. HDFC ERGO awards you a particular number of points for each unclaimed year. These ultimately lead to the policy's final discount. You may drastically lower your insurance premium by taking advantage of bonuses.

Read more - How to Calculate NCB for Two Wheeler Insurance?

Avoid Fines

Because the Motor Vehicles Act makes insurance a requirement for vehicle owners before they may lawfully drive a vehicle on Indian roads, having it will help avoid fines. In the case of the opposite, you risk charges and perhaps worse consequences. 

To avoid having no insurance and to ensure that you are constantly covered, you should renew your bike insurance policy on or a few days before the expiration date.

Add-on Coverage

Renewing an insurance policy is similar to buying a new one, except that you also get the advantages like NCB in this case. When you renew your HDFC ERGO two-wheeler insurance policy, you can also purchase any HDFC ERGO bike insurance add-on coverage you had not originally purchased. 

You may personalize your bike insurance policy by adding any add-on coverages you deem appropriate. These covers can be brand new covers, or you might stick with the current ones.

24*7 Emergency Assistance

Emergency assistance is available round-the-clock thanks to HDFC ERGO, which ensures you have all the support you need on your travels. Any emergency may be addressed by dialing the company's toll-free number, and assistance will be provided. 

In addition, you may ask the support team questions about your HDFC ERGO bike insurance policy renewal or claim filing. Once the accident has occurred, you may even request roadside help.


It's usually a good idea to renew your HDFC ERGO two-wheeler insurance policy a few days before it expires. The original insurance will continue to cover you for its entire term, and the new one will start as soon as it does. 

The comprehensive bike insurance coverage offered under HDFC ERGO bike insurance protects policyholders from financial losses brought on by accidents, theft, and other calamities. HDFC ERGO offers bike insurance policies from one to five years. To renew your HDFC ERGO bike insurance policy, follow the instructions mentioned in this article.

Read more - HDFC ERGO Bike Insurance Details Explained


1. Does the cost of my HDFC ERGO two-wheeler insurance change based on where I live?

Yes, a significant portion of your bike insurance rate may be influenced by the RTO with which your vehicle is listed. Living in a high population location will inevitably result in higher insurance premium costs than living in a low population area. This is because individuals are more at risk in larger cities.

2. If I don't have my policy number, can I still renew it?

Yes. Suppose you don't know your bike insurance policy number. In that case, you may renew your coverage by entering your registered cellphone number or email address in the prescribed space for renewal on the official website of HDFC ERGO. If your policy's details are shown, you may confirm and continue with renewing your bike insurance.

3. What paperwork is required to renew my policy?

You need to enter your policy number to renew your HDFC ERGO bike insurance policy, whether you do it online or offline. This approach involves no paperwork or documents.

4. Can I get a no-claim bonus when my insurance contract is renewed?

If you haven't filed a claim throughout the policy's term, you are eligible for the no-claim bonus on HDFC ERGO bike insurance policy renewal. The bonus will come in premium discounts.

5. What would happen if I don't renew my two-wheeler insurance with HDFC ERGO?

Your insurance coverage will lapse if you don't renew it even 90 days after your policy expires. In that case, you would need to buy a new bike insurance policy. The premium will likely increase and invite a vehicle inspection.

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