Two Wheeler Comprehensive Insurance

We at HDFC ERGO shield you against financial losses arising due to risks such as accident, theft or any damage you cause to a third party. The Long Term Bike Insurance Package Policy is designed to secure your bike for a long run. Buying a long term bike insurance policy for 2/3 years will keep renewal hassles at bay. You also don't have to deal with the third party premium hikes every year and moreover your bike remains covered for a long term letting you ride without any worries. As per the Supreme Court ruling, starting from 1st Sept, 2018, 5 years third party cover is mandatory for every new two wheeler.

Reasons to choose two wheeler comprehensive insurance

Unbelievable discounts up to 70%
Yes! It is hard to believe! But, we love doing the unbelievable, and that is why it is trusted by Two Wheeler owners out there! Buy your Two Wheeler insurance policy Now!

No Limits on Claims

You can make unlimited claims with our Two Wheeler Comprehensive Insurance! Isn't that amazing? Now, conquer the roads and ride safely. We truly believe in utmost transparency!

Get The Coverage You Need!

We offer you a wide range of two-wheeler insurance policies, single year & long-term comprehensive insurance, single year and long-term liability only policy.

Go Paperless! Go Boundless!

Why go through the fuss of lengthy, time-consuming procedures when we give you all you need in a flash? Get your two-wheeler covered now.

What included?

Accidents

Accidents are unfortunate. However, if you have been in an accident, we get you covered. At our vast network of cashless garages we ensure cashless repairs

Fire & Explosion

If fire, explosion, lightning or self-ignition damage your two wheeler, stay calm, wave got your back.

Theft

If your bike gets stolen it is nothing less than a nightmare. Quit the stress and leave it to us, as we cover total loss of your two wheeler due to theft.

Calamities

Both manmade and natural calamities leave a lasting impact, we cover you if your two wheeler gets damaged due to earthquake, landslide, floods, riots, terrorism etc.

Third Party Liability

In the event of an accident we cover legal liability for injury, death and/or property damage caused to a third party.

Personal Accident Cover

We consider customers as our top priority and hence offers a compulsory personal accident cover for 15 lakhs .Know More...

As per Supreme Court's recent mandate Compulsory Personal Accident cover is mandatory, without CPA your claim may get rejected.

Order of IRDAI on Premium Rates for Motor Third Party Liability Insurance Cover for the Financial year 2019-20 effective from 16th June, 2019

What's not included?

Depreciation

We do not cover depreciation in the value of the two wheeler.

Electrical & Mechanical Breakdown

Any electrical or mechanical breakdowns remain uncovered under our two wheeler insurance policy.

Illegal Driving

Your two wheeler insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol remains out of the two-wheeler insurance coverage scope

ADD ON COVERS

Zero Depreciation Cover

Get the Entire Amount With Zero Depreciation Cover!
Usually, insurance policies cover claim amount after the deduction of the depreciation. But, with a zero-depreciation cover, no deductions are made, and you get the entire amount in your hands! The battery costs and tyres do not come under

zero depreciation cover though

How does it Work?:If you car is damaged and the claim amount is Rs 15,000, out of which insurance company says that you need to pay 7000 as depreciation amount excluding policy excess/deductible. If you buy this add on cover then, the insurance company will pay the entire assessed amount. However, policy excess/deductible needs to be paid by the customer, which is quite nominal.

Emergency Assistance Cover

We've got you covered!
We are here to offer you round-the-clock assistance to deal with emergency breakdown issues. The emergency assistance cover includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!

How does it work?:Under this add on cover there are multiple benefits which can be availed by you. For instance, If you are driving your vehicle and there is damage, it needs to be towed to a garage. With this add on cover, you may call the insurer and they will get your vehicle towed to the nearest possible garage upto 100 kms from your declared registered address.