HDFC ERGO General Insurance - Two-wheeler Package Insurance policy with unlimited zero depreciation claims
Product highlights
Key features and benefits of the policy
00:44
Features and benefits of HDFC ERGO Two-wheeler Insurance
Safeguard your two-wheeler with HDFC ERGO Two-wheeler Insurance. Explore its benefits!
-
Own-damage coverage
Covers your own insured vehicle against damages caused due to natural calamities, theft, fire, and accidents.
-
Third-party liability coverage
Covers the expenses of physical injuries caused to the third party. Also, damages or losses caused to their property or vehicle.
-
Personal accident cover
Pays up to Rs. 15 lakh to the owner-driver for treatment in case of an accident. It covers accidental injuries, disability, or death.
-
100% digital process
HDFC ERGO offers policies through a 100% digital and paperless buy process. Also, offers a fully digital claim settlement process.
-
No Claim Bonus
Get up to 50% No Claim Bonus for having claim-free policy years. Get the discount on the premium while renewing your policy.
-
Doorstep two-wheeler repairs**
HDFC ERGO offers doorstep vehicle repair services through their cashless garages.
Eligibility criteria and documents required
Anyone who fulfils the below criteria can buy HDFC ERGO Two-wheeler Package Insurance policy. Also, keep the below-mentioned basic information handy to buy the policy.
Eligibility criteria
- Nationality: Indian
- Age: 18 years and above
- The vehicle insured should have a valid registration number and certificate
Documents required
No documents required to buy the policy. Only provide the basic information while buying the policy:
- Two-wheeler registration number
- Mobile number
- Residential PIN code
- Previous policy details
Step-by-step guide to buy this policy
01:13
How to apply for HDFC ERGO Two-wheeler Insurance
Follow these steps in the videos and apply for the bike insurance in minutes.
-
Step 1
Click on 'Get Quote’ button on this page to visit the online application form.
-
Step 2
Enter the vehicle type, bike registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
-
Step 3
Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant bike insurance policies. You need to update your current policy expiry date here.
-
Step 4
Choose HDFC ERGO Two-wheeler Package Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
-
Step 5
Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.
-
Step 6
Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.
-
Step 7
Review your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to buy the policy.
After successful payment, you can download the policy document instantly. You will receive a copy of the policy document on your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment processed successfully.
You can also access your policy details through the My Account section within 5-7 days after purchase.
Key policy inclusions and exclusions
Here is a quick look at the key inclusions and exclusions of HDFC ERGO Two-wheeler Package Insurance policy.
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Own-damage cover | Covers damages caused to the insured vehicle from an earthquake, flood, storm, landslide, or rockslide. Also, covers damages caused due to fire, explosion, self-ignition or lightning. |
| Damages in transit | Covers damages caused if transporting the vehicle by road, rail, inland waterway, or lift. |
| 24x7 roadside assistance | Offers 24x7 roadside assistance in case of an accident or vehicle breakdown. |
| Engine protection cover | Covers replacement or repair cost of engine parts in case of any damages caused. |
| Consumable cover | Covers consumable items such as screws, grease, brake oil, excluding fuel. |
| Theft | Offers coverage up to the insured declared value in case your two-wheeler gets stolen. |
| Key exclusions | Description |
|---|---|
| Location | Any loss or damage caused to your two-wheeler outside the geographical limits of India. |
| Pre-existing damages | Any damage that your two-wheeler has suffered before buying this two-wheeler insurance policy. |
| Normal wear and tear | Repair or replacement costs of the two-wheeler’s parts damaged over time due to regular usage. |
Product information
For complete details on product benefits, features, terms and exclusions, please read product sales brochure and policy wordings carefully before concluding a sale.
How to raise a cashless claim
Follow these steps to raise cashless claim requests with HDFC ERGO Two-wheeler Package Insurance policy.
-
Step 1 - Contact the insurer
Visit the official website of HDFC ERGO or HDFC ERGO app. Click on ‘Claim Now’ to register your claim request. You can also call on 022-6234-6234/0120-6234-6234 or 1800-270-0700 (toll-free). Alternatively, you can write an email to the customer care department of HDFC ERGO.
-
Step 2 - Locate your nearest network garage
After registering the claim, take the two-wheeler to any HDFC ERGO network garage near you. In some cases, a crew member will take your vehicle for repairs at network garages.
-
Step 3 - Direct claim settlement
The garage will repair your vehicle and deliver at your doorstep. HDFC ERGO will directly settle the bill with the network garage.
How to raise a reimbursement claim
To reimburse your two-wheeler repairing bills with HDFC ERGO, follow these steps.
-
Step 1 - Contact the insurer
Visit the official website of HDFC ERGO or HDFC ERGO app. Click on ‘Claim Now’ to register your claim request. You can also call on 022-6234-6234/0120-6234-6234 or 1800-270-0700 (toll-free). Alternatively, you can write an email to the customer care department of HDFC ERGO.
-
Step 2 – Repair your two-wheeler at any of your preferred garages
Get your two-wheeler repaired at your preferred garage, pay the bills, and retain the invoice.
-
Step 3 - Submit the required documents
Submit the reimbursement claim with HDFC ERGO by logging in to their website or app and uploading the invoice and the other necessary documents.
-
Step 4 - Claim settlement
HDFC ERGO will review your claim and verify the documents to process the reimbursement as per the policy's terms and conditions.
Documents required for raising a claim request
Here is the list of documents that you need to raise a claim request with HDFC ERGO.
- Copy of the car’s registration certificate (RC)
- Copy of your driving licence
- Policy number
- Description of the incident and photographs of the vehicle (if possible)
- FIR in case of theft, injuries to any third party or damage to their property
- Original bills of bike repairs (in case of reimbursement claim)
Frequently asked questions
The premium for HDFC ERGO Two-wheeler Package Insurance Policy starts at Rs. 779*. You get a comprehensive policy that covers both the own damage and third-party liabilities. Covers damages caused to the insured vehicle due to natural calamities, fire, or theft.
HDFC ERGO General Insurance provides fully digital services. Buy the HDFC ERGO Two-wheeler Package Insurance policy online on Bajaj Finance Insurance Mall. You can buy the policy without any paperwork in just a few simple steps. Get a quote for your policy by clicking here.
Yes, you get cashless claim benefits on HDFC ERGO comprehensive two-wheeler insurance. HDFC ERGO provides cashless and instant claim settlement (within two hours) for minor damages in 500+ cities across India.
Yes, you get cashless claim benefit on HDFC ERGO comprehensive two-wheeler insurance. HDFC ERGO provides cashless and instant claim settlement (within two hours) for minor damages in 500+ cities across India.
You can raise claim requests with HDFC ERGO in two ways: cashless claim and reimbursement claim.
For a cashless claim facility, visit any of the network hospitals of the insurer to avail of treatments. You do not have to pay any bills. HDFC ERGO will directly settle the bills with the network hospital.
If you choose to visit any of your preferred hospitals for treatment, you can apply for reimbursement with HDFC ERGO. You need to submit the hospital bills, discharge summary, doctor’s prescription, and medical bills. HDFC ERGO will verify these documents and details of the treatments taken and accordingly reimburse for the bills paid. You will receive the payment in your registered bank account.
Call HDFC ERGO at 022-6234-6234/0120-6234-6234 or 1800-270-0700 (toll-free) or send an email to care@hdfcergo.com. You can also log in to www.hdfcergo.com or the HDFC ERGO app. To register your claim request, click on ‘Claim Now’ on the website or app.
HDFC ERGO does not cover losses or damages caused to your two-wheeler outside the geographical limits of India. You will also not get coverage for any damages that your two-wheeler has suffered before buying this bike insurance policy. No coverage is offered for repair or replacement costs of the two-wheeler’s parts damaged due to regular usage. Read the policy exclusions when buying the bike insurance policy to know more.
If you miss your bike insurance renewal date, your policy will lapse, and you will no longer be covered by insurance. In case of an accident, you will have to pay for all damage and losses out of your pocket.
Normally, you can renew your bike insurance up to 60 days before the expiry date of your existing policy. However, the exact number of days may vary depending on the insurance provider's policies.
