Annual Premium starting
at just ₹538*
2000+ Cashless
Garagesˇ
Emergency Roadside
Assistance°°
4.4
Customer RatingsComprehensive Bike Insurance
Comprehensive bike insurance provides coverage for vehicular damage that might incur due to any unforeseen scenarios. These could be a fire breakout, road accidents, vandalism, burglary, theft and natural calamities. In addition to providing coverage for own damages, comprehensive two wheeler insurance also covers third party liabilities, this includes damage to third-party property/person. Comprehensive insurance cover is also essential because natural calamities like earthquakes, storms, cyclones and floods can damage your two wheeler to a greater extent, thereby leading to huge repair bills. Hence, for full-fledged protection of your two wheeler it is wise to invest in comprehensive bike insurance. With an all-in-one comprehensive two wheeler insurance by HDFC ERGO, you can ride your bike with peace of mind.
You can enhance your comprehensive two wheeler insurance by purchasing a personal accident cover worth ₹15 lakhs. This will cover medical costs for injuries or death brought on by an accident involving the insured bike. You can also customize your comprehensive bike insurance policy by purchasing add-on covers like zero depreciation, emergency roadside assistance, engine and gearbox protection, etc.
Benefits of Comprehensive Bike Insurance
Features of Comprehensive Bike Insurance
Here are some of the interesting features of comprehensive bike insurance:
1. Own Damage Cover: With comprehensive bike insurance, the insurer will borne expenses for damage caused to the insured vehicle by accident, fire, theft, and natural calamities
2. Third-Party Damage: This policy also covers the financial liability for property damage and injuries to any third party involved in an accident with the insured two-wheeler.
3. No Claim Bonus: You get no claim bonus benefits with comprehensive two wheeler insurance, where the insured person can avail discount on premium during the policy renewal. However, to avail NCB benefit, the insured person should not raise any claim during the previous policy tenure.
4. Cashless Garages: With comprehensive bike insurance policy you get access to network of 2000+ cashless garages.
5. Riders: You can customise comprehensive bike insurance with unique add on covers like emergency roadside assistance, engine gearbox protector, EMI protector, etc.
Inclusions & Exclusions of Comprehensive Bike Insurance
Accidents
Under a comprehensive bike insurance policy, you will get coverage for vehicular damage due to an accident. You can get your two wheeler repaired from our wide network of cashless garages.
Fire & Explosion
Damage due to fire and explosion are also covered under comprehensive two wheeler insurance.
Theft
In case of theft, the policyholder will be given coverage for a total loss of your two wheeler.
Calamities
With a comprehensive bike insurance policy, you get coverage for damage to your vehicle due to natural calamities like earthquakes and floods.
Personal Accident
'We consider customers as our top priority and hence offer a compulsory personal accident cover providing coverage of 15 lakhs
Third Party Liability
The policyholder will also get coverage for the third party liabilities, including damage done to third party property or person.
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 two-wheeler insurance coverage scope.
Normal Wear & Tear
Regular repairs and maintenance required due to the normal wear and tear caused by regular usage are not covered under bike insurance
HDFC ERGO Comprehensive Two Wheeler Insurance 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.
If you Two-wheeler 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!
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
Return to invoice Cover
The return-to-invoice add on cover with your comprehensive bike insurance enables you to claim the invoice cost of your bike if it gets stolen or entirely damaged. In the event of theft or complete damage to your vehicle due to any insurable peril, you are entitled to receive the ‘Insured Declared Value’ of the bike.
Personal Accident
The personal accident cover bundled with comprehensive bike insurance is only for the owner-driver. You can opt for this add-on to extend the benefit to passengers or riders other than the bike owner.
No Claim bonus (NCB) protection Cover
With this add-on cover you can make numerous claims during the policy period without losing on any NCB benefits. This add-on cover will ensure that you do not loose on any discount on comprehensive bike insurance premium renewal inspite making numerous claims.
Engine Gearbox Protection
This add on cover shields you from the losses incurred due to damage to your two wheeler engine.
Comprehensive Bike Insurance Vs. Third Party Bike Insurance
| Parameters | Comprehensive Bike Insurance | Third Party Bike Insurance |
| Coverage | Comprehensive Bike Insurance A comprehensive two-wheeler insurance policy provides coverage for own damage as well as third-party liabilities. | The third-party two-wheeler insurance policy offers coverage only for third-party liabilities. This includes injury, death, and property damage of the third party caused by the insured’s vehicle. |
| Nature of Requirement | It is not compulsory, however recommended to get overall protection for yourself and your vehicle. | It is mandatory to have at least a third-party insurance cover as per the Motor Vehicles Act |
| Add-ons Availability | With HDFC ERGO comprehensive bike insurance you can avail zero depreciation cover and emergency assistance cover. | Add-on covers cannot be opted for with third party two-wheeler insurance. |
| Cost | It is comparatively costlier because it offers extensive coverage. | It is less expensive as it offers coverage for only third-party liabilities. |
| Customisation of the bike value | You can customise comprehensive two-wheeler insurance policy in accordance with your insurance requirements. | Third party bike insurance cannot be customised. It is a standardised policy whose cost is determined on the basis the annual bike insurance rates declared by the IRDAI and the engine cubic capacity of your bike. |
| Regulatory Requirement | Not mandatory. However, it is recommended due to broader coverage | Mandatory as per the Motor Vehicles Act, 1988 |
| The Benefit of Add-ons | A customer can opt for required add-ons | No choice of opting for add-ons |
| Prices Determination | The insurance premiums are decided by the insurance providers | The insurance prices are fixed by the IRDAI based on the cubic capacity of the bike |
| Discounts | The insurance providers can offer discounts | No discounts available on third -party insurance |
Some Important Statistics about HDFC ERGO Bike Insurance
Here are some important stats about HDFC ERGO bike insurance policy:
1. Cashless Garages – With HDFC ERGO bike insurance policy you get access to network of 2000+ cashless garages.
2. Claim Settlement Ratio – HDFC ERGO has a record of 100% claim settlement ratio.
3. Customers – We have a family of 1.6+ crore happy customers.
4. Personal Accident Cover – HDFC ERGO comprehensive bike insurance policy also comes with PA cover worth Rs 15 lakhs.
Reasons to Choose HDFC ERGO's Comprehensive Two Wheeler Insurance
Unbelievable discounts
With HDFC ERGO comprehensive bike insurance policy, you can get lucrative discounts by purchasing the policy online.
Get The Coverage You Need!
Under comprehensive bike insurance policy you will get coverage for your two wheeler for losses arising due to any unforeseen events. In addition to that, the insured person vehicle will also be covered for third party liabilities.
No Limits on Claims
You can make unlimited claims with our comprehensive two wheeler insurance policy. Therefore, you can ride your two wheeler with ease without any worry.
Go Paperless! Go Boundless!
You can purchase HDFC ERGO comprehensive two wheeler insurance online with ease without any paperwork.
What Makes HDFC ERGO's Comprehensive Two-wheeler Insurance Stand Out?
✔ Save money on Premium : Buying comprehensive bike insurance online from HDFC ERGO gives you the option to avail different discounts by which you can save on premium.
✔ Doorstep repair service : With HDFC ERGO bike insurance policy for two wheeler you get doorstep repair service from our wide network of cashless garages.
✔ AI enabled motor claim settlement : HDFC ERGO comprehensive bike insurance policy offers AI tool IDEAS (Intelligent Damage detection Estimation and Assessment Solution) for claim settlements. The IDEAS supports instant damage detection and calculation of the claims estimate for the surveyors to help in motor claims settlement in real-time.
✔ Emergency Roadside Assistance : With HDFC ERGO comprehensive bike insurance policy you can opt for emergency roadside assistance add-on cover where vehicle can be repaired anytime and anywhere.
✔ Buy Policy Instantly : You can secure your two wheeler in just few clicks by buying comprehensive bike insurance online from HDFC ERGO
How Comprehensive Two Wheeler Insurance Premium is Calculated?
The calculation of the premium for a comprehensive bike insurance policy is done in the following ways:
The 'Insured Declared Value ' of the bike
The 'Insured Declared Value ' (IDV) of your bike is the maximum sum that your insurer can pay you in the event of the total loss of your bike, including irreparable damage and thefts. Your bike's IDV is obtained by adding its price with the cost of the relevant accessories.
-and-other-discounts.svg "'No Claim Bonus' (NCB) and other discounts")
'No Claim Bonus ' (NCB) and other discounts
The NCB discount is considered while computing your new bike insurance premium and any other discounts offered by the insurer. However, it is important to remember that the NCB discount only applies to the damage component of your bike insurance premium.
The third-party cover
The third-party bike insurance cover is determined based on the bike's engine cubic capacity and following the annual insurance premium rates declared by the Insurance Regulatory and Development Authority of India (IRDAI).
The premium of add-ons
Each add-on you include to your comprehensive bike insurance policy affects the overall bike insurance premium. Therefore, you must ascertain the cost of each add-on or the aggregate cost of all the selected add-ons.
Factors that Determine Comprehensive Bike Insurance Premium
The IDV/market value of the bike
The age of the bike
Type of Two wheeler
Registration Location
No Claim Bonus (NCB)
How to Reduce Comprehensive Bike Insurance Premium?
Here’s how to reduce comprehensive bike premium:
Earn No Claim Bonus
If you’re riding your bike safely following all traffic rules, your insured bike has less probability of having an accident. This will minimize the chance of raising bike insurance claims. Also, avoid raising claims for minor accidents. With this, you can earn a 'No Claim Bonus' and secure a discount of 20% on your comprehensive bike insurance policy renewal. The discount can go up to 50% if you don't file a bike insurance claim for five consecutive years.
Opt for Reasonable IDV
You must choose the IDV of your bike carefully, since it directly affects your comprehensive bike insurance premium, and the amount you receive from your insurer in the event of total loss of your bike. Quoting a lower IDV will reduce your bike insurance coverage, whereas quoting a higher one will lead to a higher-than-necessary bike insurance premium. Therefore, it is essential to fix the accurate IDV for your bike.
Avoid Choosing Unnecessary Add on Covers
Choosing add-on covers in your comprehensive bike insurance policy wisely is important. Each add-on carries a price that increases your bike insurance premium. Therefore, assessing your bike insurance requirements is pivotal before selecting the necessary add-ons. Using our bike insurance calculator, you can determine the impact of each add-on feature on your bike insurance premium.
Renew Your Policy on Time
Ensure that you renew your comprehensive bike insurance policy at least a few weeks before the expiration of the policy. This approach ensures you do not lose the ‘No Claim Bonus’ accumulated on your previous policy. It also gives you sufficient time to re-evaluate the add-ons you want to include in your new policy.
Calculate Comprehensive Bike Insurance Premium
The premium you must pay is one of the critical elements that will influence the sort of bike insurance plan you select. You can use a premium calculator, a simple tool, to calculate the actual premium you will have to pay for the two -wheeler insurance policy of your choice.
Here's how to use a comprehensive two -wheeler insurance calculator to figure out your bike insurance premium:
-
Provide the basic information about your bikes, such as the make, model, place of registration, and year of registration. 
Choose the add-ons you want to buy and, if applicable, apply any No Claim Bonuses (NCB).
Select "Get Price.-
The bike insurance calculator will display the cost of two -wheeler insurance and assist you in selecting a plan that precisely suits your budget
Who should Buy Comprehensive Bike Insurance?
New Bike Owners
It is advisable for new bike owners to buy comprehensive bike insurance policy. Unforeseen events can lead to vulnerable damages to your new two wheeler, thereby leading to huge financial expenses. With comprehensive two wheeler insurance policy, you can safeguard your new bike from any own damage losses.
New Learned Drivers
The probability rate of accidents by newly learned drivers is higher. Hence, these drivers should go for comprehensive bike insurance policy to get protection from any losses that might occur due to road accidents.
Someone Who Lives in the Metro City
The probability rate of accidents by newly learned drivers is higher. Hence, these drivers should go for comprehensive bike insurance policy to get protection from any losses that might occur due to road accidents.
Why Buy Comprehensive Two Wheeler Insurance Online?
There are numerous benefits of buying comprehensive bike insurance policy online from HDFC ERGO website. Let us take a look at few benefits of buying comprehensive insurance policy online
✔ Get instant quotes : The bike insurance calculators can help you with instant premium quotes of your comprehensive bike insurance policy. Enter your bike’s details, and the premium will be displayed, inclusive and exclusive of taxes.
✔ Quick issuance : You can get a comprehensive bike insurance policy within few minutes if you buy online.
✔ Seamlessness and transparency : HDFC ERGO’s comprehensive bike insurance policy buying process is seamless and transparent. You need to follow easy steps to buy the insurance policy online, and there are no hidden charges.
How to Buy Comprehensive Bike Insurance Online?
Buying comprehensive two wheeler insurance from HDFC ERGO online is simple and convenient. Follow these steps to buy your comprehensive two -wheeler insurance online now.
✔ Step 1 : Visit HDFC ERGO's official website & enter your bike registration number and proceed by clicking on get a quote
✔ Step 2 : You will have to enter your bike make and model.
✔ Step 3 : Choose the policy coverage as comprehensive bike insurance.
✔ Step 4: Select the appropriate IDV according to your bike's registration details and usage.
✔ Step 5: Opt for the add-ons you need
✔ Step 6: Make the payment securely using any available payment method
✔ Step 7: Save the policy document sent to your registered email ID
Difference between Comprehensive and Zero Depreciation Bike Insurance Policy
If you are planning to opt for zero depreciation add on cover along with zero depreciation bike insurance policy, then you should go through the comparison shown in below table.
| Features | Comprehensive Bike Insurance With Zero Depreciation Add-on | Comprehensive Bike Insurance Without Zero Depreciation Add-on |
| Rate of Premium | With addition of zero depreciation add on cover, the bike insurance premium increases. | The premium for comprehensive cover without zero depreciation add on cover is less |
| Amount of Claim Settlement | It will be higher since depreciation is not considered. | It will be lower since depreciation is considered. |
| Age of the Vehicle | The depreciation is not considered. | The depreciation of the bike will increase as it ages. |
| Coverage of Repair Expenses | The total repair bill is covered by the insurer except for the voluntary deductibles. | A part of the repair bill has to be borne by the policyholder since depreciation will be considered. |
How to Raise a Claim for Comprehensive Two Wheeler Insurance?
Filing a claim for comprehensive bike insurance policy just got easier with our 4 step process and a claims settlement record that will ease your claim related worries!
Step 1: In the event of loss due to an insured event, we must be informed immediately. Our contact details are as follows: Customer Service No: 022 6158 2020. You can also get in touch with our claim team by calling on our helpline number or sending a message on WhatsApp on 8169500500. With the link provided by our agent, you can upload documents online.
Step 2: You can opt for self inspection or an app enabled digital inspection by a surveyor or workshop partner.
Step 3: Track of your claim status through the claim tracker.
Step 4: When your claim is approved you will get the notification through the message and it will be settled through network garage.
What is IDV & Its Importance While Buying Bike Insurance Policy
IDV, or insured declared value, is the highest amount for which your motorcycle may be insured under a comprehensive bike insurance policy. If the two -wheeler is lost or stolen, this is the insurance reimbursement. In other words, your bike's
insured declared value is the price at which it is now being sold.If the insurer and the insured mutually agreed upon the greater IDV, you would get a more significant sum as compensation for a total loss or theft.
IDV in bike insurance is calculated based on market value of your two wheeler when the policy commences, which keeps changing with time and depreciation. The following table shows how depreciation value on IDV in two wheeler insurance
changes with time:
| Age of Two Wheeler | Depreciation Percentage to Calculate IDV |
| Two-wheeler not more than 6 months old | 5% |
| More than 6 months, but not more than a year | 15% |
| More than 1 year, but less than 2 years | 20% |
| More than 2 years, but less than 3 years | 30% |
| More than 3 years, but less than 4 years | 40% |
| More than 4 years, but less than 5 years | 50% |
IDV plays an integral role in comprehensive bike insurance policy. Note that the lower the IDV, the lower the premium you will have to pay for your bike insurance policy. It is wise to choose the IDV closest to your two-wheeler’s market value. With this, you can avail fair compensation on your bike insurance claim.
What is NCB in Comprehensive Two Wheeler Insurance?
HDFC ERGO offers NO claim Bonus (NCB) benefits with its comprehensive bike insurance policy. With NCB benefits you can avail discount on the insurance premium of your bike on policy renewal. You are eligible for NCB benefits if you have not filed any claims for damages during the previous policy period.
At HDFC ERGO, we offer an NCB discount of 20% on your bike insurance policy premium after the first claim-free year. However, if you file a claim in a particular policy year, your NCB discount becomes null and void for the upcoming renewal.
After five consecutive claim-free years on your comprehensive bike insurance policy, you can avail 50% discount on the insurance premium of your bike from the fifth year onwards. However, if you subsequently file a claim, the NCB for that year goes back to zero.
| Number of Claim Free Years | NCB Percentage |
| 1st Year | 20% |
| 2nd Year | 25% |
| 3rd Year | 35% |
| 4th Year | 45% |
| 5th Year | 50% |
How is Comprehensive Bike Insurance Different from Zero-Depreciation Bike Insurance?
Below mentioned are few factors that differentiate comprehensive bike insurance fro zero depreciation bike insurance
| Features | Comprehensive Bike Insurance | Zero Depreciation Bike Insurance |
| Coverage of Repair Expenses | A part of the repair bill has to be borne by the policyholder since depreciation will be considered. | Insurer pays for total repair bill except for the voluntary deductibles. |
| Premium | Lower premium compared to zero depreciation bike insurance. | Higher premium compared to comprehensive bike insurance. |
| Amount of Claim Settlement | Depreciation will be considered while settling claims. | Depreciation is not taken into consideration while settling claim. |
| Age of the Vehicle | The depreciation of the bike will increase as it ages. | The depreciation is not considered. |
What are the Documents Required to Raise a Claim Under Comprehensive Bike Insurance Policy?
Here are the following documents required to raise a claim under comprehensive two wheeler insurance:
Accidental Damage & Theft Related Claim
Proof of Two wheeler Insurance
• Copy of Bike’s RC, and original tax receipts for verification
• Police FIR report while reporting a third party death, damage and bodily injuries
• Copy of your original driving license
• Damage repair estimate.
• Payment receipts and repair bills
• Original RC Tax payment receipt
• Service booklets/bike keys and the warranty card
In case of theft, subrogation letter is required.
• Police FIR/ JMFC report/ Final investigation report
• An approved copy of the letter addressing the concerned RTO regarding the theft and declaring the bike as "NON-USE."
Damage Due to Fire:
• Original Bike Insurance Policy Documents
• Soft copy of the Registration Certificate of the bike
• Present evidence of the incident through photographs or videos
• FIR (if required)
• Report of the fire brigade (if any)
Comprehensive Bike Insurance Policy Documents
| Brochure | Claim Forms | Policy Wordings |
| Get in-depth details about the comprehensive bike insurance policy's key features, coverages and deductibles in the brochure. Comprehensive Two wheeler insurance brochure will help you know in-depth about our policy. | Make your claim settlement process easy with by getting the two wheeler insurance claim form. | It is important to know about terms and conditions under which you can get loss coverage under the comprehensive two wheeler insurance policy. |
Cashless Garagesˇ Across India
Hear From Our Happy Customers
KAMLESH KUMAR SONI
Two Wheeler Package Policy Bundled02 Feb 2024
SEONI
PURUSHOTTAM
MURLIDHAR BARBHAI
Two Wheeler ComprehensivePolicy
11 Nov 2023
MAHARASHTRA
AMRIT KUMAR SAHU
Two Wheeler ComprehensivePolicy
21 Jun 2023
ODISHA
Vincent Babu
Two Wheeler Liability Only16 Mar 2023
SAMRUDDHI PITKAR
Two Wheeler Comprehensive policy 28 Jan 2023
Two Wheeler Insurance for Popular Brands
Two Wheeler Insurance for Popular Indian Models
Read the Latest Comprehensive Two Wheeler Insurance Blogs
Why should You Choose Comprehensive Insurance for Your Bike?
See full article
Common Exclusions in Comprehensive Bike Insurance You Should Know About
See full article
What is Best: Zero Depreciation or Comprehensive Insurance for Your Bike?
See full article
Comprehensive Bike Insurance FAQs
Awards & Recognition
Awards September 2021
Award of the Year
Award of the Year
Your Two Wheeler Insurance is just a few steps away!
Premium starts
at ₹538
2000+ Cashless
Network Garages
Car Insurance 
Bike/Two Wheeler Insurance 
Health Insurance 
Pet Insurance
Travel Insurance 
Home Insurance 
Cyber Insurance 
Third Party Vehicle Ins. 
Tractor Insurance 
Goods Carrying Vehicle Ins. 
Passenger Carrying Vehicle Ins. 
Compulsory Personal Accident Insurance 
Travel Insurance 
Rural 
Critical illness Insurance 
