HDFC ERGO Standalone Own Damage Bike Insurance

Starting at only ₹1.5 per Day*

Two wheeler Insurance banner image
Enter your details to buy Bike Insurance
By proceeding you agree to Terms & Conditions
Proceed without two wheeler number
  • compare buy
    Compare and buy at best price
  • instant policy
    Instant Policy Issuance
  • no unwanted calls
    No unwanted calls. We promise!
*T&C Apply *TP premium only

A standalone or own damage insurance policy offers financial protection against the vehicular damages incurred on your vehicle because of your negligence or by other means. It is not mandatory to avail of this insurance policy under the Motor Vehicles Act, but it is the only policy that offers the protective cover solely for the policyholder. If you damage your bike by involuntary means, then you do not have to worry about repair costs of the vehicle; standalone bike insurance will take care of it.

HDFC ERGO Standalone Two Wheeler Insurance Policy

The standalone policy of HDFC ERGO two wheeler insurance is curated to provide the protective cover to the policyholders. After availing of this policy, the insured person gets compensation for the mishaps to their own vehicle, including thefts or any other act of vandalism. Those policyholders who have purchased third-party bike insurance or do not wish to purchase comprehensive bike insurance can purchase this policy.

HDFC ERGO Standalone Bike Insurance vs. HDFC ERGO Third Party Bike Insurance Vs. HDFC ERGO Comprehensive Bike Insurance

Differences between the HDFC ERGO standalone bike insurance, HDFC ERGO third-party bike insurance, and HDFC ERGO comprehensive bike insurance are mentioned below in the tabular format:

HDFC ERGO Standalone Two Wheeler Insurance PolicyHDFC ERGO Third Party Two Wheeler Insurance PolicyHDFC ERGO Comprehensive Two Wheeler Insurance Policy
The protective cover is offered only for the damage faced by  the policyholder.The protective cover is offered only for the damage faced by the third party.The protective cover is offered for the damage incurred by the policyholder as well as the third-party. 
There are add-on covers that you can purchase with HDFC ERGO standalone two-wheeler insurance policy.You cannot purchase any add-on covers with HDFC ERGO third-party two- wheeler insurance policy. You can opt to add multiple add-on covers along with your base HDFC ERGO comprehensive two-wheeler insurance policy.
It is slightly more expensive than third-party car insurance but cheaper than comprehensive bike insurance. It is the cheapest amongst the all-other insurance covers offered by HDFC ERGO.  It is the most expensive insurance policy offered by HDFC ERGO as it covers both parties involved in the mishap. 
Optional to buyMandatory to buyOptional to buy

What All is Covered Under HDFC ERGO Standalone Two Wheeler Insurance Policy?

The following things are covered under the HDFC ERGO standalone two wheeler insurance policy: 

  • All types of accidents or collisions inflict damage on the bike of the policyholders.
  • Arson, explosion, or the fire that damaged the two-wheeler of the policyholder.
  • Theft of the vehicle is covered under the HDFC ERGO standalone two wheeler insurance policy.
  • If the vehicle is damaged beyond repairs, it is also covered under this policy.
  • All the damages inflicted on the vehicle because of the manmade problems or the natural calamities are covered under this insurance policy.

What All is not Included Under HDFC ERGO Standalone Two Wheeler Insurance Policy?

The following things are not covered under the HDFC ERGO standalone two wheeler insurance policy: 

  • Any mechanical or electrical breakdown of the vehicle is not covered under this bike insurance.
  • If you were driving your vehicle without any proper driving licence at the time of the accident, you do not receive any compensation.
  • Depreciation of the vehicle will be deducted at the time of the claim settlement from the insurer.
  • If any damage is incurred on the vehicle outside the 100 kilometer geographical jurisdiction of your vehicle registration

HDFC ERGO Standalone Two Wheeler Insurance Policy Benefits

Following is the list of benefits that you avail yourself with the HDFC ERGO standalone two wheeler insurance policy: 

  • HDFC ERGO standalone two wheeler insurance policy is the only insurance that offers financial protection to the policyholder.
  • You get financial protection against a wide array of the scenarios such as road accidents, thefts, acts of vandalism, arsons, and other damages.
  • For every year that you go claim-free, you get a No claim bonus.
  • There are many add-on covers to choose from to customize your policy even further for your suiting.

HDFC ERGO Standalone Bike Insurance FAQs

  • 1. Can I purchase HDFC ERGO standalone two wheeler insurance policy online?

    Yes, you can purchase HDFC ERGO standalone two wheeler insurance policy online, by visiting the official website of the HDFC ERGO.

  • 2. What add-on covers can I purchase with the HDFC ERGO standalone two wheeler insurance policy?

    Following are the add-on covers that you can purchase along with the HDFC ERGO standalone two wheeler insurance policy: 

    • Zero deprecation cover
    • Return to invoice cover
    • Roadside assistance cover
    • Engine and protection cover
    • NCB protection cover
  • 3. How does the HDFC ERGO standalone two wheeler insurance policy work?

    This policy provides all the benefits to the policyholders. The premiums under this policy will be slightly lower than the comprehensive insurance. You also get to choose between the add-on covers. If you have already purchased the third-party insurance and want something that will protect you as well. You can then opt for standalone insurance without having to surrender your third-party insurance.

  • 4. When will I get my standalone insurance policy document?

    After the purchase of the policy and paying the premium amount, you will get the HDFC ERGO standalone two wheeler insurance policy document online on your registered email ID. You can also ask the insurer to send you the hard copy of the document that will be home delivered to you. Or you can also download the policy document from the official website of HDFC ERGO.

Recent Articles

View All
https://insurance-blog-cms.paytminsurance.co.in/183_Two_Wheeler_Insurance_Bike_Insurance_Add_on_Covers_For_A_Road_Trip_2_9e9b2d4d20.jpg

5 Regular Checks for Two-wheelers Before Going on a Ride

Indian roads are notorious for their unpredictability and fatalities, making it vital for bike riders to ensur...

Read More
https://insurance-blog-cms.paytminsurance.co.in/187_Two_Wheeler_Insurance_Why_Engine_Protection_Add_on_Cover_Is_A_Must_For_Flood_prone_Areas_c72fb1fabe.jpg

Check Out These Top 5 Motorcycling Skills Today!

Looking to find the best five must-have skills for motorcycle riders? Then you are in the right place! Keep re...

Read More
https://insurance-blog-cms.paytminsurance.co.in/179_Two_Wheeler_Insurance_Is_Two_Wheeler_Inspection_Mandatory_For_Claims_3_f86add1352.jpg

5 Things Every First-time Bike Rider Should Remember

Filing a bike insurance claim can be overwhelming, and an error can lead to a rejection by the insurance compa...

Read More
https://insurance-blog-cms.paytminsurance.co.in/164_Two_Wheeler_Insurance_Know_Whether_To_File_Two_wheeler_Insurance_Claim_Or_Not_To_Claim_4307c65b78.jpg

5 Questions to Ask Before Filing a Bike Insurance Claim

Filing a bike insurance claim can be overwhelming, and an error can lead to a rejection by the insurance compa...

Read More
https://insurance-blog-cms.paytminsurance.co.in/177_Two_Wheeler_Insurance_Checklist_Of_Two_Wheeler_Insurance_Policy_While_Relocating_Within_India_3830b99a56.jpg

Avoid These 4 Mistakes When Filing Third-party Bike Insuranc...

Handling someone hit by your bike on the road can be challenging both verbally and legally without third-party...

Read More
https://insurance-blog-cms.paytminsurance.co.in/179_Two_Wheeler_Insurance_Is_Two_Wheeler_Inspection_Mandatory_For_Claims_2_e8478853b1.jpg

How Advantageous It Is to Buy Two-wheeler Insurance from Baj...

Get the optimal bike insurance policy from Bajaj Allianz after understanding the key benefits offered by the i...

Read More
https://insurance-blog-cms.paytminsurance.co.in/198_How_Modification_Can_Affect_Your_Two_Wheeler_Insurance_new_3_ec161d48b4.jpg

Top 6 Essential Things To Do After a Bike Purchase

Several essential tasks like buying bike insurance must be undertaken after purchasing a new bike. This articl...

Read More
https://insurance-blog-cms.paytminsurance.co.in/183_Two_Wheeler_Insurance_Bike_Insurance_Add_on_Covers_For_A_Road_Trip_1_ce7ca58b5e.jpg

5 Key Safety Tips That Every Motorcycle Pillion Rider Must b...

Safety is important for motorcycle pillion riders. Proven tips that assure a safe journey even during tough ri...

Read More
https://insurance-blog-cms.paytminsurance.co.in/181_Two_Wheeler_Insurance_Does_Your_Two_Wheeler_Insurance_Cover_Damages_Against_Fire_53d65b2c10.jpg

5 Steps to Claim Two-wheeler Insurance with Riot Cover

Riots can happen anytime without any warning. It is necessary to protect your bike in such circumstances. In t...

Read More