Two Wheeler Insurance with HDFC ERGO
Two Wheeler Insurance with HDFC ERGO
Premium starts at ₹482 ^

Premium starts

at ₹482*
8000+ Cashless Network Garages ^

8000+ Cashless

Network Garages**
Emergency Roadside Assistance

Emergency Roadside

Assistance
4.4 Customer Ratings ^

4.4

Customer Ratings

Bike Insurance that redefines ‘Stress Free Driving’

Bike Insurance that redefines ‘Stress Free Driving’
The joy of riding a bike is priceless! Keep this joy intact with HDFC ERGO’s two wheeler or bike insurance that over #1.5 Crore customers trust. And say goodbye to worries of fines, theft or damage to your loyal companion in daily commutes or leisurely highway rides. With our 8000+ cashless garages we assure you we’ve got your back whether you ride on green pastures or rocky terrains. So secure your bike and your peace of mind with a truly ‘Take it easy’ experience.

6 Reasons Why HDFC ERGO’s Bike Insurance Should Be Your First Choice!

Upto 70%^ off on premium
Upto 70% Off^ on Premium
Get a hot deal for your hot wheels with savings of upto 70%
Doorstep repair service
Doorstep repair service ¨
Now say goodbye to bike repair worries and get convenience right at your doorstep
AI enabled motor claim settlement
AI enabled motor claim settlement
Our AI enabled tool IDEAS enables a faster and hassle free motor claim experience
Emergency Roadside Assistance
Emergency Roadside Assistance
Faced with an emergency on the way? Notify us to get help right away!
Premium starting at just ₹482*
Premium starting at just ₹482*
Cover your bike against third party liabilities at the cost of a movie ticket
Buy Policy in Less Than 3 mins
Buy Policy in Less Than 3 mins
Secure your bike in the time you take to listen to your favourite song!

 Plans that address all your bike insurance needs

All rounded coverage that includes cover against damages to your own two wheeler or damages to a third party person/ property. And if this is not enough it can be customized with your choice of add-on covers, giving you coverage as per your requirement in a cost effective manner. You can also choose the tenure you require coverage for whether one, two or three years , we recommend getting your two wheeler covered for 3 years to avoid renewal hassles.

X
Suitable for bike lovers seeking all rounded protection, this plan covers:
bike accident

Accident, theft, fire etc.

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

EXPLORE MORE

This cover only protects you against liabilities arising from damage, injury or loss to a third party person or property. As per the Motor Vehicles Act 1988, this is a mandatory cover and driving without a valid third party cover can lead to a fine of Rs.2000.

X
Suitable for those who use the bike infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

This cover helps you shield against financial losses arising due to damage to your own bike or scooter.

X
Suitable for those who already have a valid third party cover, this plan covers:
bike accident

Accident, theft, fire etc

Natural calamities

Choice of add-ons

This cover offers 1 year coverage against damage to your own bike along with a 5 year cover against damages to a third party person/ property.

X
Suitable for those who have purchased a brand new two wheeler, this plan covers:
bike accident

Accident, theft, fire etc

Natural calamities

Personal accident

Third-party liability

Choice of add-ons

Compare and choose the plan best suited for you

Star  80% CUSTOMERS
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Covers under
bike Insurance
Comprehensive
Cover
Third Party
Liability Only Cover
Damage due to natural calamities – Earthquake, cyclone, floods etc.
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Damage due to events like – Fire, theft, Vandalism etc.
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Personal Accident Cover of Rs. 15 Lakhs (Optional)
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Choice of add-ons – Zero Depreciation and Emergency Assistance
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Damage to third party vehicle/ property
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Injury to a third party person
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No hefty fines levied if valid policy in place
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Customization of bike value (IDV)
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Did you know
Forgot your DL, RC at home? The digital copies in the MParivahan or digilocker app on your smartphone are enough.

Enhance your coverage with these add-ons

Zero Depreciation Cover
Zero Depreciation Cover
A vehicle’s value starts spiraling south as soon as it exits the showroom. But don’t be disheartened, a zero-depreciation add on cover will be your savior in such a scenario. This add on cover will help protect your finances in case of a claim due to physical damages to your bike. It is recommended for new and premium bikes since it helps to decrease the expenditures involving losses.
How it helps
Aasaan and Pareshaan Singh had unfortunately been in an accident and while Aasaan was recovering at home and binge watching movies, Pareshaan was worried sick on the financial burden he would face on making a claim! Aasaan had ensured he bought a Zero Depreciation Cover along with his bike insurance, the result being his sole focus was on getting back on his feet and getting his bike back in shape while he got the entire claim amount with no depreciation cuts.
Emergency Assistance Cover
Emergency Assistance Cover
It is a great feeling to know someone has your back at all times, the emergency assistance cover is just that, a friend in need. With 24X7 emergency assistance services like refueling, tyre change, towing, lost key assistance, arranging for a mechanic etc. You can heave a sigh of relief because with this add on cover help will always be at hand during emergencies when your bike suddenly breaks down in the middle of nowhere.
How it helps
Aasaan and Pareshaan went on a road trip to an exotic south Indian destination and while on a scenic coastal road they both faced some issue with their respective bikes. While Pareshaan struggled to communicate with the locals about his bike breaking down not knowing the local dialect, Aasaan sipped on coconut water as a professional technician helped repair his clutch fail issues.

Making a bike insurance claim just got easier!

Filing a claim just got easier with our 4 step process and a claims settlement record that will ease your claim related worries!

  • Ditch the paperwork! Register your claim and share required documents online.
    Ditch the paperwork! Register your claim and share required documents online.
  • You can opt for self inspection or an app enabled digital inspection by a surveyor or workshop partner.
    You can opt for self inspection or an app enabled digital inspection by a surveyor or workshop partner.
  • Relax and keep track of your claim status through the claim tracker.
    Relax and keep track of your claim status through the claim tracker.
  • Take it easy while your claim is approved and settled with our 8000+ network garages!
    Take it easy while your claim is approved and settled with our 8000+ network garages!
Did you know
You can block sunrays by sticking a strip of tape across the top of your helmet’s visor.

Calculate your bike insurance premium in a jiffy

Enter your registration number

STEP 1

Enter your registration number

Select your policy cover

STEP 2

Select your policy cover*
(Incase we are not able to auto fetch your vehicle details, we will need just a few details of your vehicle
- Make, model, variant, registration year and registration city)

Provide your previous policy

STEP 3

Provide your previous policy
and No Claim Bonus (NCB) status

All we need is your contact details and your quote is ready!

STEP 4

Get your bike insurance quote instantly!

Comprehensive Bike Policy Inclusions and exclusions

Accidents

Accidents

Been in an accident? Keep calm, we cover damages your bike sustains in an accident.

Fire & Explosion

Fire & Explosion

We won’t let a fire or an explosion burn your finances to ashes, be rest assured your bike is covered.

Theft

Theft

Your bike getting stolen could be your worst nightmare come true, but we ensure your peace of mind is not disrupted.

Calamities

Calamities

Calamities can wreak havoc and your bike is not immune to them, but your finances are!

Personal Accident

Personal Accident

Your safety is our priority, in case of injuries due to a two wheeler accident we cover your treatment charges.

Third Party Liability

Third Party Liability

Damaged a third party property or person? We cover damages to a third party property or injuries sustained by a third party person.

8000+ Network Garages Across India
8000+** Network Garages
Across India

Hear from our happy customers

4.4 Stars

starOur customers have rated us View all 1,54,266 Reviews
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Nice experience HDFC Ergo, Happy with quick resolution by the team.
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U have accepted my request and changed the date promptly, thanks alot

Frequently asked questions

The policy gets lapsed if it is not renewed before the due date. However, the expired policy can be renewed in two ways – online and offline. To renew it online, log on to the official website of the insurance company and enter the policy details. After this, you will be asked to make payment. Once the payment is done, your policy will be renewed and policy documents will be sent to your registered e-mail within a few minutes. If you wish to do it offline, you have to take your bike to the nearest branch for inspection along with the necessary documents. No inspection is required if you opt for online renewal.
Renewing two-wheeler insurance online is very simple. Visit the website of the insurance company, enter details such as bike model, purchase date of bike etc. and choose any add-ons. Once you make the payment, your policy will be renewed.
1. No paperwork - You just have to select the policy, make an online payment, and the policy document will reach your mailbox in no time.
2. Saves time - No need to visit an insurance company physically, as it can be done from the comforts of your home.
3. Option to compare policies - Customers have the option to compare different policies online and take the final call based on their needs.
4. Discounts - Additional discounts are available if you purchase or renew two-wheeler insurance online.
5. No brokerage cost - If you buy/renew through an agent, there may be an extra charge involved, which can be avoided if renewal is done online.
Bike insurance renewal must be done before the expiry of your existing policy so you can enjoy uninterrupted coverage. Insurance providers usually send reminders to their customers before policy expiration. But by chance, if you miss the deadline, you can renew it even after expiry. However, if you delay it more than 90 days, you will lose your No Claim Bonus and will have to pay more insurance premiums. Also, a delayed renewal would mean a fresh inspection of the vehicle, which may reduce its Insured Declared Value (IDV).
Both options are available. As a customer, you should pick a policy that gives you maximum benefits at a lower premium. However, when you decide to continue with the same insurance provider, you get more loyalty benefits like a decrease in deductibles or an accident forgiveness option. 
As per the Supreme Court’s recent mandate, a personal accident (PA) cover is compulsory for the owner/driver of two-wheelers. The policy can be bought as a standalone cover or along with your two-wheeler insurance, and provides compensation to the owner in case of death, bodily injuries or any permanent disability due to an accident. It is not mandatory for the pillion rider.
As per the Indian Motor Vehicles Act, 1988, it is compulsory for two-wheeler riders to have a valid Third-Party insurance policy. This insurance, also known as Liability Only Insurance Policy or Act Only Policy, protects riders against any damages caused to a third party (person or property) in case of an accident caused by the insured two-wheeler, given the accident was not deliberate or wasn’t done under the influence of any drugs or alcohol. A Comprehensive Insurance Policy provides additional coverage for damage or theft of the two-wheeler along with the benefits mentioned in the Third Party insurance policy. It safeguards the vehicle against losses/damages caused by natural calamities like flood, lightning, earthquakes, etc. or malicious acts like theft, riots, strikes, and terrorist activity, among others.
This differs from one insurance company to another but there are some events which will not be covered by any company. These include any damage done to the vehicle due to drunken driving or in case the driver does not have a valid driving license, wear and tear, ageing of the vehicle, damages to tires and tubes unless damaged due to an accident, mechanical or electrical breakdown and failure, theft of accessories unless the bike is also stolen. If your bike suffers losses outside the country, this will also not be covered.
The value of your vehicle depreciates or reduces with the passage of time. While settling a claim, the insurer deducts this depreciation value and you have to pay a larger part of the claim amount. But, if you have zero depreciation cover, the insurance company will pay the entire claim amount without deducting the depreciation amount. You need to pay an additional premium to purchase zero depreciation add-on.
Add-on cover is the additional cover that you can buy to boost the coverage of your insurance policy. The add-on covers are not included in the comprehensive two-wheeler insurance and need to be purchased with an additional premium. Some add-ons that you can opt for are zero depreciation cover, return to invoice, engine and gear protection, emergency assistance cover and no claim bonus protection.
If you fail to renew the insurance policy of your two-wheeler within 90 days of the expiration, you will lose your No Claim Bonus (NCB). Therefore, make sure you always renew the policy within the time frame.
In case of damages to your two-wheeler or theft, you should first lodge an FIR. After that you should file a claim, and the documents required for the same are RC book, active DL, policy document, FIR copy, duly signed claim form, photos taken at the accident spot and any other document as needed by the insurer.
Yes, you can do that. By not making a claim if the damage is minimal, you would get an extra discount on the premium the following year. For example, in your first year, if you get a 20% discount, then by not making any claims the whole year, you would get an additional 5%-10% discount the following year.
Yes, there is. Usually, insurance companies prefer that policyholders make a claim within 24 hours of the accident or theft, failing which the claim might get rejected. However, some insurers might consider if there is a genuine reason for delay in filing the claim.
No. If the policy is not renewed on or before the expiry date, it becomes inactive, and you will not be covered during the grace period.
No. Your insurance company is not liable to pay for any claims, even if it expired just a day before the accident.
The surveyor will make an inspection to check the extent of damage done to your two-wheeler before you send it to a garage. The surveyor will make an estimate of the repair cost and submit the report to the insurance company for further processing.
In case of a cashless claim, you just have to pay for the deductibles and the rest of the bill will be taken care of by your insurance company. However, you can only use cashless claim services in your insurance company’s network garages. The reimbursement claim gives you the flexibility to choose any garage of your choice, but you have to pay the full amount of the bill and get it reimbursed later.
Some common reasons for claim rejections are policy lapse, providing incomplete or false information, loss that is not covered in the policy, filing the claim after deadline, driving without valid DL, driving in an intoxicated state, and false claims.
There will be no change in the bike’s insurance policy, but the premium will change depending on the place to which you will move. Metro cities usually have a higher premium than the rest of the country. Whether it is a location or job change, you have to inform the insurance company so that your details can be updated.
The Insured Declared Value (IDV) is the current market value of your vehicle. It is calculated by subtracting the depreciation cost of the vehicle from the manufacturer’s selling price. The registration cost, insurance cost and road tax are not included in the IDV. And, if accessories are fitted later, IDV of those are calculated separately.
You should contact your insurance provider and request them to include the required changes in your two-wheeler insurance policy.
While selling your bike, it’s important to transfer your insurance policy to the bike’s new owner. By doing so, you will be free from all liabilities if the bike is involved in any accident in future. However, the No Claim Bonus, accumulated in your policy, can be transferred to your name which can be used for your new vehicle. You also have the option to cancel the existing policy at the time of selling.
Yes, you can transfer the current insurance to your new vehicle. You have to inform the insurance company about the change in vehicle and also pay the difference in premium, if any.
Yes, you are eligible for discount on your insurance premium if you install anti-theft devices certified by the Automotive Research Association of India (ARAI). This is because an anti-theft gadget reduces the risk factor for the insurer.
Visit the official website of the insurance provider or Regional Transport Office or the State Transport Department. You can also visit the official website of the Ministry of Road Transport and Highways – VAHAN (https://parivahan.gov.in/parivahan/). Enter your bike’s registration details to know the policy number and insurance status.
When a policyholder files a cashless claim, the insurance company pays for all the repair work but the repairs should be done in any of the insurance provider’s network garages. The bill is sent directly to the insurance company and after verification of all the details, the payment is made. In reimbursement claim, the policyholder pays for the repairs and the amount is reimbursed by the insurer after verifying the original bills, receipts, etc. In this type of claim, you can get your bike repaired at your preferred garage and get it reimbursed.
In case of theft or ‘total damage’, the owner will be paid the insured declared value of the bike. The insurance company may hire a private investigator to track the stolen bike. In such cases, the claim settlement process can take a little longer. To ensure there are no anomalies, the policyholder should immediately file an FIR, intimate the insurer and RTO, and keep the required documents ready.   
Yes, the policy can be cancelled anytime during the policy period. But to get the refund, there are some terms and conditions of the insurance company which you must comply with.
To get a duplicate copy of the policy online, log in to your account by visiting the official website of the insurance provider, enter details such as policy number, name etc. Once you get the document, download and print it. In the offline process, you have to inform the insurer, file an FIR at the nearest police station, and write an application providing details like policy number, name etc. and how the document was lost. Lastly, you need to sign a bond with the insurer for a duplicate copy of your policy document. 
The premium amount depends on factors such as the type of insurance taken, claims history, model of the bike, age and the registration location of your bike.
Riding a two-wheeler with an expired insurance policy is a punishable offence. You can renew it within 90 days to retain certain benefits such as No Claim Bonus. After the said period, the policy can’t be renewed and you will have to buy a new policy through proper documentation and verification procedure.
A comprehensive plan provides protection against damage to your own vehicle and as well as that of the third party. Apart from accidents, it also covers theft and damage to the vehicle by any natural calamity like floods, storms etc. and man-made reasons like riots and vandalism. Buying the third-party policy is mandatory according to the law while experts recommend bike owners to opt for a comprehensive policy for bigger coverage.
Zero Depreciation Cover is an add-on cover to your existing policy. The value of the bike reduces over the years. The reduced market value is due to the depreciation rate. The moment a brand new vehicle leaves the showroom, it loses 5-10% of its value as its next buyer would be buying a second-hand vehicle. So, even if you have opted for the comprehensive insurance policy, the claim money you will get after the theft or total loss of the bike will be according to the depreciated value of the bike parts. For example, if the depreciated value of your Rs. 90,000 bike is Rs. 60,000, you will get the latter. However, if you have Zero Depreciation Cover, you will get Rs. 90,000. This add-on cover eliminates the depreciation factor.
Once you opt for Emergency Assistance Cover, you get round-the-clock assistance to mitigate any technical or mechanical breakdown issues. This add-on benefit covers minor repairs on-site, punctured tyres, battery jump starts, refuelling the tank, lost key assistance, duplicate key issue, and even towing charges up to 100 km from your registered address. In some cases, the insurer also bears the expenses related to accommodation if the policyholder needs a place to stay while the bike is being repaired.
Visit the official website of the insurance provider. Select the policy type from the list of insurance policies, and enter your policy number and other required details. Once you get the policy document, download and print it. If you can’t find the policy number, contact your insurance provider. According to the Ministry of Road Transport and Highways, digital copy of documents such as driving license and a vehicle’s registration, insurance etc., which are stored in Digilocker or mParivahan mobile app, are accepted legally. Original papers or photocopies of the same are no longer mandatory.
Yes. Most insurance companies in India offer discounts on the premium if the policyholder is a member of Automotive Research Association of India (ARAI).
Electrical and non-electrical accessories are fittings which people make in their vehicles. Electrical accessories usually include music system, fog lights, LCD TV, etc. The non-electrical accessories are seat covers, wheel caps, CNG kit and other interior fittings. Their value is calculated according to their initial market value and then the depreciation rate is applied.
Add-ons are not included in the comprehensive insurance. To enhance the coverage, you have to buy the add-on covers by paying a little extra premium. Some add-on covers are zero depreciation cover, road assistance, engine protection, return to invoice.
To buy bike insurance online, the documents required are proof of identity (driving license/passport/Aadhar card/PAN card/government issued ID card), proof of address (driving license/passport/bank or post office passbook/government issued address proof), recent passport size photograph, valid driving license, registration certificate of the bike, net banking/credit card/debit card details (for online payment).
Inspection of a vehicle is mandatory if you renew your vehicle offline after the expiry date. You have to take your bike to the insurer for inspection along with the necessary documents.
The best policy is the one that gives you maximum benefits at a lower premium. You can compare offers to see which plan suits your needs the best. However, buying an insurance policy online is faster and hassle-free as you don’t need to visit the insurer’s office or get a policy from a certified insurance agent. The online process will help you get some discounts as the insurance company can save on agent commissions and pass on that benefit to you.
The main difference between the two lies in the coverage. Third-party insurance covers only the damages caused to the third party due to an accident, while comprehensive insurance provides complete protection against damage to your own vehicle as well as that of the third party involved in an accident. Comprehensive insurance also protects your two-wheeler against theft, accidents, and damage due to natural calamities such as floods, cyclone, etc. Third-party insurance is mandatory as per the Motor Vehicles Act, 1988.
If someone borrows your bike and causes damages to the bike or a third-party then your bike insurance will still cover for the losses and damages as mentioned in the policy wording. However, you need to have proper documents of the bike and the policy. Also, you won’t be compensated if the rider was riding in a drunk state or without a valid two-wheeler licence.
The insurance will not be of any use in this case. If you meet with an accident while riding someone else’s bike, you will not be eligible for any claim as you are not a registered user of the bike.
Yes, NCB is transferrable when you switch from one insurer to another.
Visit the official website of your insurer and then login to your account to check the policy details. If you face issues while logging in, refer to the policy document sent to your registered email id.
Insurance premium is the amount of money which the insured pays periodically to the insurer to keep the policy active. The cost of premium depends on factors like age of the insured, location, type of coverage, and claims history. Failure to pay the premium on time can lead to lapse of the policy.
Over the years, the documentation process has become quite simplified. When buying a policy online, you may need to provide some basic information like identity proof, address proof, driving license information, registration number and registration certificate (RC) number of your vehicle and a few passport-sized photographs.
Any change or modification in the existing insurance policy is done through an endorsement. In other words, an endorsement is a document in which modifications in the policy are incorporated. The modifications are not made in the original copy but in the Endorsement certificate. Endorsements are of 2 types - premium-bearing endorsement and non-premium bearing endorsement.
The Insured Declared Value (IDV) of your bike is the sum insured coverage you can claim in case of total loss or damage to your two-wheeler. Simply put, it is the current market value of your two-wheeler. The bigger the IDV, the higher will be the insurance premium. 
Did you know
Do you know how many garages are under our network?A whopping 8000+!

Know what the expert speaks about our two wheeler insurance plans

Mukesh Kumar
Mukesh Kumar | Motor Insurance Expert | 30+ years of insurance industry experience
I recommend getting your two wheeler insured from HDFC ERGO, a brand serving more than 1.5 crore+ customers. With vast number of cashless network garages and quick customer service, you can be assured of help in event of any damage to your vehicle. Also one should insure his/her vehicle and avoid getting heavily fined under the recently enacted Motor Vehicle Amendment Act 2019.

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What is two wheeler insurance and why you need it?

What is two wheeler insurance and why you need it?
Two wheeler insurance acts as a safety net for your beloved bike or scooter against financial loss due to circumstances that you may not have anticipated. These could range from damage owing to accidents, natural calamities or theft and burglary. Bike insurance may conjure images of piles of paperwork or long winding queues but this may come as a pleasant surprise that buying two wheeler insurance online will take not more than 3 mins and zero paperwork. So if you spend your Sundays diligently cleaning your scooter or if your bike is bae, two wheeler insurance should be on the top of your priority list.

6 factors that affect your two wheeler insurance premium

1
Type of Insurance Policy
Every insurance company offers two types of insurance policy for two-wheelers. The third-party cover is the bare minimum policy which is mandatory by the Indian law and covers only third-party damage. The comprehensive cover policy provides all round protection and provides coverage against theft, natural and man-made mishaps, and accidents along with third-party damage.Considering the benefits it offers, the premium for a comprehensive cover will be more as compared to the premium for third-party cover.
2
Type and Condition
of Two-wheeler
Different bikes have different specifications and therefore, the cost of insuring them is also different. A bike engine’s cubic capacity is the deciding component that affectsthe insurance premium. Higher the cubic capacity, higher will be the insurance premium.
In addition, the age of the vehicle, type of bike model and class of the vehicle, place of registration, fuel type, and the number of miles covered also affect the premium price.
3
Risk Evaluation Based
on Driver’s Record
Not many people are aware but your age, gender, driving record and driving experience can also affect the insurance premium. In such instances, companies calculate the associated risk factor and accordingly charge the premium. For example, a young driver (in the early 20s) with a year of driving experience will be charged a higher premium as compared to a middle-aged, experienced bike driver.
4
Bike’s Market Value
The current price or market value of the bike also affect the insurance premium. The market value of the bike depends upon its brand and functionality. If the vehicle is old, the premium is decided based on the condition of the vehicle as well as its resale value.
5
Add-On Covers
Add-on covers can help in increasing the coverage, but the more the number of add-ons, the higher will be the premium. Therefore, choose only those covers that you deem necessary.
6
Modifications Done on Bike
Many people love adding accessories to their bikes in order to improve its aesthetics and performance. However, these modifications are usually not covered under the standard insurance policy and you might need to purchase an add-on cover for these modifications. However, adding these modifications under your insurance policy can increase the premium amount.

Why buying your two-wheeler insurance online is the smarter choice?

There is no one size fits all approach when it comes to Bike Insurance and choosing one that is tailored to your needs and suits your requirements is no easy task you may think. Well, bursting your bubble, let us state a fact - comparing and buying bike insurance policies online is now a cakewalk. HDFC ERGO helps you select a plan that gives you effective protection for your bike at an affordable rate, best suited for your requirement. Here we delve deep into why you should compare and buy bike insurance online and what should be the comparison criteria:
Why buying your two-wheeler insurance online is the smarter choice?

Leave behind the archaic approach of buying bike insurance:
The world has gone digital and you should too! No more piles of paperwork or standing in long queues or dealing with agents, now secure your bike in a click with a bike insurance policy that meets your needs. Still need a reason to compare and buy bike insurance online? These 3 Cs will put to rest any lingering doubts:

1
Customization
It is easier to analyze the different plans and the cover they offer when compared online. You can also pick and choose add-on covers that will amp up your policy coverage and give it a boost. These could range from zero depreciation cover to roadside assistance as per the necessity.
2
Cost effective
Comparing different plans and the varying premium amount of each plan helps determine which plan fits your budget. But be warned, price should not be the only factor while making a choice for your loved asset, holistic coverage for your bike is just as crucial.
3
Convenient
What could be better than safeguarding your bike at a click from the comfortable confines of your home? Both comparing and buying bike insurance online is a breeze and once you fill the requisite details you get an instant quote, why forego such convenience and resort to cumbersome methods of protecting your two wheeler.
Your bike insurance comparison criteria checklist:
Asses the coverage you require
As a bike owner you know your needs best and whether you should opt for a third party liability only coverage that can leave you vulnerable to several risks or a comprehensive policy that is synonymous with peace of mind. To boost your policy further there is an array of add-on covers to choose from.
Compare premium amounts
A lower premium may not always be the best deal, it also depends upon the scope of coverage, hence it is important keep the price as one of the priorities instead of it being the sole reason to buy a plan.
Look at what the customer feedback is
Going through customer testimonials gives you a pulse of the insurer and the customer service quality it offers. It can help you determine if the insurer is worth going ahead with.
Check out the claim settlement ratio
Check the insurance providers claim settlement record to get an idea on the efficiency and convenience with which claims will be settled.
Read the fine print
We often tend to neglect the fine print or the policy wordings which state the inclusions and exclusions in detail. This ignorance can cause regret later at the claim filing stage when you realize a certain aspect is not covered. To avoid such a scenario it is advisable to go through the policy documents thoroughly. So take your time, do your research and make an informed decision to get the best bike insurance plan by devoting some time to comparing bike insurance policies online.
Asses the coverage you require
As a bike owner you know your needs best and whether you should opt for a third party liability only coverage that can leave you vulnerable to several risks or a comprehensive policy that is synonymous with peace of mind. To boost your policy further there is an array of add-on covers to choose from.
Compare premium amounts
A lower premium may not always be the best deal, it also depends upon the scope of coverage, hence it is important keep the price as one of the priorities instead of it being the sole reason to buy a plan.
Look at what the customer feedback is
Going through customer testimonials gives you a pulse of the insurer and the customer service quality it offers. It can help you determine if the insurer is worth going ahead with.
Check out the claim settlement ratio
Check the insurance providers claim settlement record to get an idea on the efficiency and convenience with which claims will be settled.
Read the fine print
We often tend to neglect the fine print or the policy wordings which state the inclusions and exclusions in detail. This ignorance can cause regret later at the claim filing stage when you realize a certain aspect is not covered. To avoid such a scenario it is advisable to go through the policy documents thoroughly. So take your time, do your research and make an informed decision to get the best bike insurance plan by devoting some time to comparing bike insurance policies online.

Your simple guide to renewing bike insurance


We know the bond you share with your two-wheeler, your loyal companion in traffic jams or long winding highways. And it is only befitting to take into account all aspects while you renew the promise of security to your bike. Here is a simple guide to renewing your bike insurance and the factors you must take into account:

Factor 1
Timely renewal is crucial
We have a bike insurance premium calculator specifically designed for new bike owners. You just need to keep handy details such as the date of registration, manufacturer, model, registration city, the sum insured (value of the vehicle), product type required (comprehensive/liability), and if you wish to opt for any add on covers. You get an instant quote in one click and no getting muddled with different amounts and figures, your premium amount is clear and precise.
Factor 2
Get your IDV right
It is in essential to renew your two-wheeler insurance at least 45 days before expiry. Because if your policy lapses, you lose out on all the benefits you would have accumulated.
Factor 3
Avail the No Claim Bonus
It’s your reward for being a good driver so avail the No Claim Bonus (NCB) if there have been zero claims during the previous policy period.
Factor 4
Longer duration, lesser hassles
Insuring your bike for 3 years not only saves you from annual renewal hassles but also helps shield you from any inflation of TP rates that may occur.
Procedure
Steps to follow
Step 1: Enter your registration number
Step 2: Select your policy cover* (Incase we are not able to auto fetch yourvehicle details, we will need just a few details of your vehicle - Make, model, variant, registration year and registration city)
Step 3: Provide your previous policy and No Claim Bonus (NCB) status
Step 4: Get your bike insurance quote instantly!
Timely renewal is crucial
t is in essential to renew your two-wheeler insurance at least 45 days before expiry. Because if your policy lapses, you lose out on all the benefits you would have accumulated.
Get your IDV right
You can choose your own Insurance Declared Value or IDV to get a higher cover amount and lower depreciation over the years. This will increase the premium amount but the extra cost may well be worth it.
Avail the No Claim Bonus
It’s your reward for being a good driver so avail the No Claim Bonus (NCB) if there have been zero claims during the previous policy period.
Longer duration, lesser hassles
Insuring your bike for 3 years not only saves you from annual renewal hassles but also helps shield you from any inflation of TP rates that may occur.
Steps to follow
Step 1: Enter your registration number
Step 2: Select your policy cover* (Incase we are not able to auto fetch yourvehicle details, we will need just a few details of your vehicle - Make, model, variant, registration year and registration city)
Step 3: Provide your previous policy and No Claim Bonus (NCB) status
Step 4: Get your bike insurance quote instantly!
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Did you know
4,80,652 –The number of road accidents that took place across India in 2019.Still think comprehensive bike insurance isn’t necessary?

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Last updated: 2021-08-03

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