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Which Two Wheeler Insurance Plan is best for you ?

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For two wheeler insurance you are not really spoilt for choices! There are two basic types of two wheeler insurance and by adding add on cover you can definitely enhance your coverage. Firstly, let’s understand what are the two types of insurance policies for two wheeler. The mandatory third party insurance covers losses related to third party property damage and person injury caused by your two wheeler. It does not cover any of your own vehicle’s damage like accidental loss, theft loss or damage due to fire etc. To cover such comprehensive losses under own damage, we have our comprehensive two wheeler insurance plan. This insurance takes care of your bike’s own damage section completely. If you choose to buy a comprehensive plan the below gets covered seamlessly:

• Damage due to fire, accident or natural calamities

• Total loss due to theft

• Third party mandatory cover

• Optional Personal accident cover

Option to buy add on cover like Emergency Assistance Program

Emergency assistance add on cover is a friend in need. In case your bike doesn’t start or need refueling or it simply has to be towed to the nearest garage, these services cater you seamlessly. You can buy this cover at an additional premium.

It is always advisable to pay a little more and get a comprehensive two wheeler. In the long run if you end up losing your bike totally in an accident, then it’s a total loss for you and you have to pay for buying the new bike. Better invest now than regret later. Out of the two types of two wheeler insurance we highly recommend to go for comprehensive two wheeler insurance and take it easy!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer topolicy wordings and prospectus before going ahead with the sales.

This blog has been written by

S. Gopalakrishnan | Motor Insurance Expert | 40+ years of experience in insurance industry

A veteran in insurance industry. S. Gopalakrishnan is a name to reckon with in the field of reinsurance, he has headed the Reinsurance department and has rich experience in other fields of motor insurance. He loves to share his opinion on latest topics in the insurance industry and how he can help people in safeguarding their assets using insurance products.

S. Gopalakrishnan recommends "HDFC ERGO for your vehicle insurance needs, it has always put customer’s interest at the forefront, with round the clock assistance to deal with emergency breakdown issues and hassle free claims process. You can be assured of complete and reliable guidance through the whole process".

Few other articles

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