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Harley-Davidson is an American motorcycle manufacturer founded in 1903. Innovation and imagination on two wheels, carried out of a small shed in Milwaukee, Wisconsin by four young men, lit a cultural wildfire that gradually spread across geographies and generations. It sparked a transportation revolution and lifestyle, making Harley-Davidson the most desirable motorcycle brand globally.
The company has survived several hardships and has also faced intense global competition to finally become one of the world's largest motorcycle manufacturers & an iconic brand known for its loyal following. Harley-Davidson stands for the timeless pursuit of adventure and freedom for the soul and, to date, continues to define motorcycle culture and lifestyle for well over a century and will continue likely for generations to come. This motorcycle makes any weekend epic and turns your commute into a daily thrill-seeker. It has four broad categories of motorcycles - Sport, Cruiser, Touring, and Adventure-Touring.
Popular Harley Davidson Models
Types of Harley Davidson Insurance HDFC ERGO Offers
HDFC ERGO offers the following premium motorcycle insurances:
It is the most suggested option as nothing protects your premium motorcycle better than the comprehensive two wheeler insurance provided by HDFC ERGO. The all-in-one comprehensive insurance plan by HDFC ERGO includes:
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Accident, theft, fire etc.
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
At HDFC ERGO, we have a Long-Term motorcycle Insurance Package Policy designed to secure your prized possession for the long run. A premium motorcycle insurance policy for two-three years (2/3 yrs) will help you dodge the hassle of every year's renewal. You can not only avoid third-party hikes in premium every year, but also your motorcycle remains covered for the long term. The long-term comprehensive plan includes:
Personal accident cover
Third-party property damage
Injury to a third-party person
This is the most basic type of two-wheeler policy that offers protection in case of damages & losses your two-wheeler could cause to the third-party person/ property. In case of an accident, claims that the injured person raises can be covered under this policy, thus reducing your financial burdens and stress. Third-party liability insurance is mandatory under the Motor Vehicles Act, 1988. Third-Party two wheeler insurance policy for Harley Davidson includes:
Accident, theft, fire etc
Natural calamities
Choice of add-ons
In case you already have a third-party liability insurance policy, the standalone policy is best for you. This policy covers you against losses arising from damage to yourself and your vehicle due to an accident, which leaves you with substantial medical and repair costs. Furthermore, you unlock the choice of add-ons to enhance your coverage. The standalone insurance plan includes:
Accident, theft, fire etc
Natural calamities
Personal accident
Third-party liability
Choice of add-ons
Why Do You Need Two-wheeler Insurance for Harley Davidson?
Harley-Davidson is not only a matter of pride for its owner, but it is also a prized possession for motorcycle lovers. And because it is an expensive one, even minor damage or a repair might cost you a fortune. Having a motorcycle insurance policy offers financial coverage to both you and the third party in case of any loss/damage that might happen due to accidents, theft, earthquake, and floods is a must. Further, motor cyclists owning a Harley Davidson love to go for long rides, and with our pathetic road conditions and reckless drivers on the streets in India, there is always a risk of accidents. It is thus best to help yourself stay shielded financially from accidents and their consequences and get your favorite two-wheeler insured.
Inclusion & Exclusions of Harley Davidson insurance
The coverage offered by a Harley Davidson bike insurance policy is based on the type of policy chosen. If you have selected a third party bike insurance, it will provide coverage against damage to a third-party person or property. However, if you opt for a comprehensive bike insurance policy, it will cover the following:
Accidents
It covers any financial loss that may arise due to damage to your motorcycle as a result of an accident. We ensure cashless repairs at our vast network of cashless garages.
Fire & Explosion
Covers any damage that might occur to your motorcycle due to fires/ explosions/ lightning/ self-ignition damage.
Theft
You will get compensated as we cover the total loss of your motorcycle in case of theft.
Natural/Manmade Calamities
Covers any natural or artificial disasters (like earthquakes, storms, floods, riots, and vandalism) damaging your motorcycle.
Personal Accident
We also offer a compulsory personal accident cover for up to INR 15 lakhs.
Your insurance policy mentions the area of coverage of your motorcycle insurance and the areas that are not covered as well. Things not included in your Harley-Davidson motorcycle insurance policy are:
Depreciation
Your Harley-Davidson motorcycle insurance policy does not cover depreciation in its value except in case you have zero depreciation add-on cover.
Electrical & Mechanical Breakdown
Any Electrical/ mechanical breakdowns remain uncovered under your policy.
Illegal Driving
Your two-wheeler insurance does not cover you if you do not possess a valid driving license or drive under the influence of drugs/alcohol, etc.
How to Renew Harley Davidson Insurance?
Renewing your Harley motorcycle insurance policy with HDFC ERGO is very easy and hassle-free. It takes only a few minutes to complete the entire process right from the comfort of your own home. The steps to be followed to renew your insurance policy are-
Step #1Visit HDFC ERGO website and choose to buy or renew your policy
Step #2Enter your bike details, registration, city, and previous policy details, if any
Step #3Provide your email ID, and phone number, to receive the quote
Step #4Make the online payment and get covered instantly!
Why HDFC ERGO Should be Your First Choice?
In India, HDFC ERGO is the largest provider of two-wheeler insurance. There are a number of companies that provide insurance for Harley Davidson in the market, but few can match the features and benefits that we provide. When it comes to bike insurance, HDFC ERGO is constantly one step ahead of the competition, from AI and app-based claims to a large network of cashless garages and specific add-ons like emergency roadside assistance and engine protector cover. Here are a few more reasons to choose us:
Affordable premium
You can relax and enjoy a premium reduction of up to 70% on your Harley Davidson bike insurance policy, as well as a No Claims Bonus of up to 50%.
24x7 roadside assistance
We are only a phone call away in the event of a breakdown. No matter where you are stranded, our 24-hour roadside assistance will aid you in resolving your breakdown concerns.
Easy claims
We process about 80% of the claims we receive on the same day. We also have a paperless claims option and a self-inspection option. No wonder HDFC ERGO's claims settlement process is straightforward, quick, and seamless.
Overnight repair service
You don't have to wait until the wee hours of the morning to get your bike restored with our overnight repair service for small accidents. You may have your bike repaired without missing sleep overnight and have it back in fine condition the next morning.
Cashless assistance
Considering the current digital needs of online payments, we provide services that are completely cashless and secure. Plus, you can always locate a network garage in your area to get your bike fixed thanks to HDFC ERGO's 2000+ network garages across India.
Two Wheeler Insurance for Popular Indian Models
Two Wheeler Insurance for Popular Indian Models
Across India
Frequently Asked Questions
1) Zero Depreciation Cover: Usually, two-wheeler insurance policies cover the claim amount after deducting the depreciation. But, with a zero-depreciation cover, no deductions are made, and you get the entire amount in your hands. However, the cost of battery & tyres is not covered under this.
2) Emergency Assistance Cover: It offers you round-the-clock assistance to deal with emergency breakdown issues. The cover includes minor repairs on-site, lost key assistance, duplicate key issues, tyre changes, battery jump starts, fuel tank emptying, and towing charges.
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