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HDFC Ergo Two Wheeler Insurance
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HDFC Ergo General Insurance Company Limited is a joint venture company between HDFC Limited, India’s premier Housing Finance Institution and Ergo International AG which is the primary insurance entity of Munich Re Group. Founded in the year 2002, HDFC Ergo has become the country’s third-largest non-life insurance provider in the private insurance sector.
HDFC Ergo General Insurance Company offers complete general insurance solutions which include travel insurance, home insurance, health insurance, motor insurance, personal accident insurance, etc. The company has been assigned an ‘iAAA’ rating by ICRA which indicates the highest claim paying ability. With more than 200 branches in over 170 countries and 7000+ employees, HDFC Ergo strives to offer innovative products and services to set new benchmarks in the Insurance sector.
Types of HDFC Ergo Two-wheeler Insurance Plans
HDFC Ergo General Insurance Company offers the following types of two-wheeler insurance policies:
Third-party Liability Only-
Third-party liability only insurance covers damages to third parties due to your vehicle. Buying a third-party liability insurance plan for two-wheelers is compulsory under the Motor Vehicles Act, 1988. Every bike owner who is buying a new vehicle is required to purchase a compulsory third-party liability insurance policy.
There are two types of liability only two-wheeler insurance policy offered by HDFC Ergo two-wheeler insurance. They are as follows-
- Single Year Liability-only Policy-
This insurance policy covers liabilities against a third party for a period of one year only.
- Long Term Liability Only Plan-
Long term liability only plan provides coverage against third-party liability on new bikes. The plan comes with a tenure of five years
Comprehensive Two-wheeler Insurance-
The comprehensive two-wheeler insurance policy provides a wide coverage that includes third-party liabilities and damages caused to your own vehicle due to an accident, theft, or calamities. Comprehensive two-wheeler insurance is also known as a two-wheeler package policy.
HDFC Ergo General Insurance Company offers the following type of comprehensive plan-
Single Year Two-wheeler Package Policy-
This policy provides a comprehensive cover to protect your two-wheeler due to fire, ear What does HDFC Ergo two-wheeler insurance policy not cover?
According to the latest IRDAI guidelines, it is mandatory to buy a third-party liability plan of 5 years at the time of purchasing a new scooter or a bike. Along with the third-party liability insurance plans of 5 years, you can opt to buy one-year own damage under the bundle plan or a standalone own damage cover for one year.
Benefits of buying HDFC Ergo Two-wheeler Insurance policy
HDFC Ergo two-wheeler insurance plans offer insurance cover for your two-wheeler against losses and damages for uncertain risk. They provide various benefits which are discussed below:
- Online Policy Issuance-
The biggest advantage is that you can buy the plans online which is a very easy and hassle-free process. You have to enter your details, choose your cover, select add-ons and pay the premium. Your plan will be issued instantly. You can follow the same procedure for renewing the insurance plan without the requirement of visiting the branch office of the insurance company.
- Large Network-
HDFC Ergo offers real-time claim management using state-of-the-art technology thereby ensuring that the customers get the safety and protection that they want. Customers can avail cashless benefits through the wide network of over 9000 garages all over the country.
- No Inspection Renewals-
If your two-wheeler insurance policy has expired then you can renew the insurance policy without any inspection.
- Digital and Paperless Benefit-
HDFC Ergo two-wheeler insurance offer you the benefit of going digital and buying insurance policy without the requirement of any papers. With online purchase, you get a soft copy of your insurance policy instantly in your email ID.
- Emergency Assistance-
HDFC Ergo two-wheeler insurance coverage includes any time, anywhere roadside assistance which is available 24* 7 providing you towing facilities to the nearest repair centre.
- Unlimited Claims-
You can make unlimited claims with your HDFC Ergo two-wheeler comprehensive insurance policy subject to the terms and conditions of the plan.
- Simple Claim Process-
The claim settlement process of HDFC Ergo two-wheeler insurance is very simple and easy. It offers both cashless settlements as well as reimbursement of claims.
What does HDFC Ergo Two-wheeler Insurance Policy Cover?
Let’s have a look at the coverage offered by HDFC Ergo two-wheeler insurance policy:
- Third-party Liability-
Two-wheeler insurance policies offered by HDFC Ergo General insurance company provide cover against damages caused to the third-party property or injury suffered by any third party. All the liability arising to the third party due to an accident by your vehicle would be paid by the insurance company.
- Fire and Explosion-
Damages arising to your vehicle due to mishaps like explosion, fire, self-ignition or lightning are covered under two-wheeler comprehensive insurance plans.
HDFC Ergo comprehensive two-wheeler insurance policy provides coverage of damages caused by both man-made and natural calamities such as floods, terrorism, landslides, riots, earthquake, etc.
- Theft and Accidents-
Any serious damage caused to you or your vehicle due to an accident would be covered. Also, if your vehicle gets stolen the company will pay you for the losses to replace the bike with the new one.
- Personal Accident (if Opted) -
You can opt for personal accident cover under your HDFC Ergo two-wheeler insurance policy. Personal accident cover provides coverage against accidental death and permanent disablement. The cover can be availed for the driver/owner of the bike as well as for the pillion rider.
What does HDFC Ergo Two-wheeler Insurance Policy Not Cover?
There are certain permanent exclusions under the two-wheeler insurance policies of HDFC Ergo that you must be aware of. These include the following:
- Contractual Liabilities-
HDFC Ergo offers an all-round cover for your two-wheeler. However, contractual liabilities are not covered.
- Limitations as to Use-
If you use your vehicle in ways or for purposes beyond the limitations of use such as for organised racing, speed testing, etc. then the damage caused would not be covered.
- War and Nuclear Risk-
Any damage caused to the third-party or third-party property or to you or your vehicle because of war and nuclear risk remains uncovered.
- Illegal Driving-
If you drive your vehicle without a valid driving licence or under the influence of alcohol or drugs then you cannot make a claim under HDFC Ergo two-wheeler insurance policy as it is a permanent exclusion.
- Electrical and Mechanical Breakdown-
Any electrical or mechanical breakdowns remain out of the coverage under the two-wheeler insurance policy.
HDFC Ergo two-wheeler plans do not cover depreciation in the value of the two-wheeler
- Regular Servicing-
Cost of regular servicing of your two-wheeler is not included in two-wheeler insurance policies.
- Outside Geographical Limits-
A damage or loss suffered by the vehicle or any liability arising to third-party due to an accident outside the geographical limits of India would not be covered.
Keep the above-mentioned exclusions in mind at the time of making the insurance claim of your two-wheeler insurance plan.
How to Apply for An HDFC Ergo Two-wheeler Insurance Policy?
You can buy HDFC Ergo’s bike insurance plans online. Buying a two-wheeler insurance policy online provides the benefit of easy comparison and nil paperwork making the entire process seamless and quick. The steps to buying HDFC Ergo two-wheeler insurance policy online are as follows:
- Visit the Website-
Visit the official website of HDFC Ergo General Insurance company and choose the desired insurance policy as per your requirements.
- Fill in the Details-
After choosing your desired policy, fill-up the form available with relevant details such as name, address, contact number along with that you also need to feed some basic information about your vehicle such as your bike number, the make, and model, etc.
- Pay the Premium Online-
Pay the premium online and the policy will be emailed to you at your registered email address and also a physical copy would be sent to your doorstep.
It is actually very easy and simple to buy a two-wheeler insurance policy from HDFC Ergo General Insurance.
HDFC Ergo Two-wheeler Insurance Claim Settlement Process
HDFC Ergo General Insurance offers both reimbursement claim settlement and cashless claim settlement. The step by step process of making claims under HDFC Ergo two-wheeler insurance plans are as follows:
- Inform the Company
You will have to intimate a claim on the mobile app of HDFC Ergo or you can also call on the toll-free helpline number. You will also have to file an FIR at the nearest police station in case of third-party liabilities or theft of the bike.
- Take Your Bike to a Networked Garage
After you inform HDFC Ergo of the claim, you would be informed of the nearest networked garage. Take your bike to the garage for cashless claims. If you get the bike repaired at a non-networked garage, the claim would be settled on a reimbursement basis.
- Get the Bike Surveyed
The insurer would send a surveyor who would survey all the damages and losses caused to the vehicle.
- Submit Documents
You are required to fill up the claim form and submit the relevant documents along with the form like:
- Claim Settlement
On receipt of the completed documents, the insurance company would process the claim and settle it. You will receive the claim computation sheet along with the entire breakup for your records.
Renewing a Lapsed HDFC Ergo Two-wheeler Insurance Plan
If you forget to pay the premiums on time, your HDFC Ergo two-wheeler insurance would lapse. If you pay the premium within the grace period offered by the insurance company your policy will be reinstated. However, if the grace period has also expired, then you will have to call the insurance provider. The insurance company will inspect your vehicle and offer you a fresh quote. You can simply pay the premium and your policy will be revived.
Review of HDFC Ergo Two-wheeler Insurance
HDFC Ergo has been consistently trying to make insurance more affordable, easier and dependable. It provides instant help 24*7 through its simple and quick claim settlement procedure. Ergo has received the best customer experience award of the year and excellence in financial reporting for the year 2016. HDFC Ergo General Insurance Company enjoys a high rating of 4.4 with over 1 crore happy customers. Moreover, the Incurred Claims Ratio for 2018-19 for the company was 82% showing that the company is financially sound.
HDFC Ergo Two-wheeler Insurance Contact Information
|Registered and corporate office||1st floor, HDFC House, Bank Bay Reclamation, H.T. Parekh Marg, Churchgate, Mumbai-400020|
1800 266 6400 to buy a new policy
0 22623 46234/ 0120 6234 6234 for claims and other queries
|WhatsApp service||7304 524 888|
Add ons for your Two Wheeler Insurance
HDFC Ergo Two Wheeler/Bike Insurance FAQs
1. What are the documents that are required to be submitted to buy a bike insurance policy online?
The documents that are required to be submitted to buy HDFC Ergo two-wheeler insurance policy online includes proof of identity, proof of address, driver’s licence, registration certificate of the vehicle and recent passport size photograph. You can purchase a plan online by visiting the website of the company and uploading these documents online.
2. Where can I check the list of cashless garages of HDFC Ergo two-wheeler insurance in my city?
You can check the list of cashless garages of HDFC Ergo two-wheeler insurance in your city by visiting the official website of HDFC Ergo General Insurance Company. You can also check the list by calling the customer care department of the insurance company if you cannot locate your nearest cashless garage.
3. How can I renew my HDFC Ergo two-wheeler insurance?
You can renew your HDFC Ergo two-wheeler insurance policy in two easy steps. Visit the official website of the insurance company, enter your policy number, make changes to the plan by adding add-ons as per your requirement and pay the premium your policy will be renewed instantly.
4. What happens to my no-claim bonus when I renew an expired policy?
No-claim bonus is valid up to 90 days from the expiry date of your previous insurance policy. If you do not renew your insurance policy within a period of 90 days, your no claim bonus will become zero and no benefit would be passed on to the renewed insurance policy.
5. What add-on covers are available with HDFC Ergo two-wheeler insurance policies?
HDFC Ergo General Insurance Company Limited offers two add-on covers which you can buy with your two-wheeler insurance policy on payment of additional premium. These covers are zero depreciation cover and emergency assistance cover. You can choose to buy one or both of these add-ons at the time of buying or renewing the policy.
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