Two Wheeler Insurance with HDFC ERGO
Two Wheeler Insurance with HDFC ERGO
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Annual Premium starting

at just ₹538*
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Home / Two Wheeler Insurance / Honda Two Wheeler Insurance

Honda Two Wheeler Insurance

honda bike  insurance online

Over the past decade, Honda Motor Company has consistently maintained the trust and expectations of Indian buyers. It was established in 1948 and introduced its first motorcycle in 1949 - the 'Dream' D-type. Honda began its Indian operations in collaboration with the Hero Group in 1984. In 2001, Honda Motorcycle & Scooter India (HMSI) Pvt Ltd. was born, and with its first model - the Honda Activa, the company began to gain a strong foothold in the Indian market. Ten years later, in 2011, it formally split with the Hero Group. Honda motorcycles are worth a buy, considering the low maintenance cost, and if you plan to buy a Honda motorcycle, having a Honda two-wheeler insurance is advisable.

Honda now has four manufacturing facilities in India and is the second-largest manufacturer of two-wheelers in the country and the largest in the world. Apart from Activa, Honda's famous models are Unicorn, Dio, Shine, etc. HDFC ERGO offers Honda bike insurance with various add on covers like no claim bonus protection, zero depreciation, etc.

Popular Honda Two Wheeler Models

1
Honda Activa
The Activa was launched in 2001, as the first model with the badge of Honda, and continues to be the benchmark in scooters today. Now, in its sixth generation, the Activa comes with a completely new engine platform, Honda’s acclaimed eSP technology, adjustable rear suspension, bigger front wheels with telescopic suspension, and more.
2
Honda SP125
As Honda’s first BS VI-compliant motorcycle, it is a class-leading 125 cc bike with a single-cylinder, fuel-injected motor that generates 10.8 PS at 7,500 RPM. It features an ACG starter, ensuring you have a silent start. It comes with a telescopic fork and twin shock absorbers with options of drum and disc brakes.
3
Honda Unicorn
This is a no-nonsense commuter bike in the 150-180 cc segment. Powered by a 160-cc motor, it produces 12.73 PS at 7,500 RPM. With Honda’s proprietary HET engine, you can enjoy smooth, reliable performance. The PGM-FI system ensures optimum fuel delivery to the engine for efficient combustion and fewer emissions. The long wheelbase ensures greater stability and comfort on rough roads.
4
Honda Hornet 2.0
The Moto GP-inspired Hornet 2.0 heralds Honda’s entry into the 180-200cc segment. Powered by a single-cylinder 185 cc motor with the PGM-FI system, the bike is buttery smooth on most roads. The sporty and muscular design language is bound to appeal to young bike enthusiasts. Moreover, this is the most affordable bike with USD suspensions, adding further value to your purchase.
5
Honda Shine
Honda leads the pack in the 100-125 cc two-wheeler market, and it’s partly due to the Honda Shine. Powered by a 124 cc BS VI-compliant engine, it produces 10.59 PS at 7,500 RPM. It is a no-frills, commuter bike meant for the common man looking for a reliable and respectable performer that has fuel efficiency.
6
Honda Dio
The immensely popular scooter gets a makeover that adds heaps of style to further attract the younger generation. At its heart is a 110-cc motor with PGM-FI fuel system, and automatic transmission. The addition of telescopic suspension and larger front wheels make riding even more comfortable than the previous edition. The external fuel lid ensures you can stay seated during refuelling.

Types of Honda Two Wheeler Insurance HDFC ERGO Offers

Owning a bike is not enough, you need bike insurance too. More precisely, you need a Honda bike insurance policy to be able to ride your dream two-wheeler on Indian roads. But it’s not just a legal requirement; it’s a financially sound decision as well. From a basic third party bike insurance to a long term two wheeler comprehensive insurance package, your policy will act as a financial safety net in case of an untoward incident. Here are your options:

This is the most recommended option as it includes third-party liability, a personal accident cover, and crucially – own damage bike insurance cover. It provides all-round financial protection to you, your bike, and to your liabilities in case you are at fault in an accident. You can also further enhance your coverage with select add-ons.

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 is the type of insurance that is mandatory under the Motor Vehicles Act, 1988. It covers you financially against any losses arising out of injury, death, or disablement to a third-party person, or damage to their property. It also covers against any legal liabilities you may face as a result of the accident.

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

The standalone own damage policy is ideal for those who already possess a third-party liability insurance policy and want to increase the scope of coverage. It covers you against losses arising out of damage to your own vehicle as a result of an accident. Furthermore, you unlock the choice of add-ons to enhance your coverage.

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

A plan that’s designed to add convenience and all-round protection to your bike ownership experience, the multi-year Honda bike insurance package includes a five-year third-party liability component and an annually renewable own damage insurance component. Even if you forget to renew your own damage component on time, you will still be financially covered.

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

Inclusion & Exclusions of Honda Two Wheeler Insurance

Your Honda bike insurance policy offers coverage depending on your policy type. While a third-party liability insurance only provides coverage against damage to a third-party person or property, a comprehensive bike insurance policy for Honda covers the following:

Accidents

Accidents

Financial losses arising due to damage to your own bike as a result of an accident is covered.

Fire & Explosion

Fire & Explosion

Damage to your bike as a result of fires or explosions is covered.

Theft

Theft

If your bike gets stolen, you will get compensated with the IDV of bike.

Calamities

Calamities

Natural and manmade calamities such as earthquakes, storms, floods, riots, and vandalism are covered.

Personal Accident

Personal Accident

Your treatment-related charges are all taken care of up to Rs. 15 lakhs.

Third Party Liability

Third Party Liability

Injury, disablement or death to a third-party person, and damage to their property are also covered.

Add-ons For Your Honda Bike Insurance

Zero Depreciation Cover - Insurance for Vehicle
Zero Depreciation
With zero depreciation add-on cover, the insurer does not consider the depreciation on bike or scooter parts while settling the claim. The policyholder will get the complete claim amount for the damaged part without any deduction of depreciation value.
No Claim Bonus Protection - Car insurance renewal
No claim bonus (NCB) Protection
No claim bonus (NCB) add-on cover will entitle the policyholder to avail of NCB benefit if they do not register any claim in the previous policy period.
Emergency Assistance Cover - Car insurance claim
Emergency Assistance Cover
This add-on cover is also known as roadside assistance cover. It is the emergency assistance offered by the insurer to the policyholder whose insured two-wheeler breaks down in the middle of the highway.
Return to Invoice - insurance policy of car
Return to Invoice
If your bike or scooter is stolen or beyond repair, return to invoice add-on cover will make you eligible to claim an amount equivalent to your two-wheeler's invoice value when you bought it.
Engine and gearbox protector by best car insurance provider
Engine & Gear Box Protector
The engine and gearbox protector add-on cover will provide coverage to the insurer for repair and replacement cost of engine and gearbox child parts. The coverage is offered if the damage is due to water ingression, lubricating oil leakage and gearbox damage.

How to Buy Honda Bike Insurance Online

If you are owner of a Honda motorcycle, it is wise to buy or renew two wheeler insurance online. Here’s how you can buy Honda bike insurance online:
Step 1. Navigate to the bike insurance product through our HDFC ERGO website and fill in the details, including your bike registration number and then click on get quote.
Step 2: Choose between comprehensive and third party liability cover. You can choose plan from one year to three years.
Step 3: You can also add personal accident cover for passenger and paid driver. Furthermore, you can customise the policy by choosing add-on like no claim bonus protection cover, zero depreciation, etc
Step 4: Give details about your last bike insurance policy. E.g. Previous policy type(comprehensive or third party, policy expiry date, details of your claims made, if any)
Step 5: You can now view your Honda bike insurance premium
Pay the premium via a secured payment gateway.
The Honda two wheeler insurance policy will be sent to your registered email address or via WhatsApp.

How to Buy Two wheeler insurance for a Second-hand Honda bike

TEven if you buy a secondhand Honda bike, you must have a two wheeler insurance policy for it. Riding without a valid bike insurance policy is illegal as per the Motor Vehicles Act of 1988.

Before buying second-hand bike insurance, remember the following things:

• Ensure the new RC is in the new owner's name

• Check the Insured Declared Value (IDV)

• If you have an existing bike insurance policy, get the No Claim Bonus (NCB) transferred to get a discount

• Choose from several add-on covers (emergency roadside assistance, no claim bonus protection, zero depreciation cover,etc)

Now let us see steps to buy Honda two wheeler insurance for second hand Honda bikes

Step 1. Visit the HDFC ERGO website's bike insurance section, enter your secondhand Honda bike registration number, and click on get a quote.

Step 2: Enter your secondhand bike make and model.

Step 3: Give details about your last secondhand bike insurance policy.

Step 4: Select between a third party bike insurance and a comprehensive cover.

Step 5: You can now view your Honda bike insurance premium.

How to Renew Honda Two Wheeler Insurance?

Your Honda bike insurance renewal will take only a few minutes. It can be completed with just a few clicks from the comfort of your own home. Follow the four-step process mentioned below and get yourself covered instantly!

  • Step #1
    Step #1
    Visit HDFC ERGO website and choose to buy or renew your policy
  • Step #2
    Step #2
    Enter your bike details, registration, city, and previous policy details, if any
  • Step #3
    Step #3
    Provide your email ID, and phone number, to receive the quote
  • Step #4
    Step #4
    Make the online payment and get covered instantly!

How to Renew an Expired Policy for Your Honda Two-Wheeler?

If your Honda bike insurance policy has expired, it is advisable to renew it to avoid paying hefty fines to RTO. The Motor Vehicles Act of 1988 says that every vehicle owner to have at least third party cover of motor insurance policy.
Now let us see steps for Honda two wheeler insurance renewal.

Step1: Visit the bike insurance section on HDFC ERGO website and select renew policy, if your previous policy was with HDFC ERGO. If your Honda bike insurance policy was with another insurer, you must enter your two-wheeler registration number.
Step 2: Enter details associated with your HDFC ERGO policy that you want to renew, include or exclude add-on covers, and complete the journey by paying the bike insurance premium online. Choose comprehensive or third-party cover if your policy was with another insurer. After that, you can select add-ons if you opt for comprehensive cover.
Step 3: The renewed bike insurance policy will be mailed to your registered email or your WhatsApp.

Honda Cashless Bike Insurance Claim Process

If you want to raise cashless claim against your Honda two wheeler insurance policy, then you will have to go through following steps:
• Inform the HDFC ERGO claim team regarding the incident by calling on our helpline number or sending a message on WhatsApp on 8169500500.
• Take your two-wheeler to HDFC ERGO cashless network garage. Here, your vehicle will be inspected by an individual appointed by the insurer.
• After receiving our approval, the garage will begin to repair your bike.
• Meanwhile, submit the required documents and the duly filled claim form to us. If any specific document is required, we will inform you of the same.
• The HDC ERGO claim team will verify the details of the cashless claim in bike insurance and will either accept or reject the claim.
• Upon successful verification, we will settle a cashless bike insurance claim by paying the repair expenses directly to the garage. Remember that you might have to pay the applicable deductibles, if any, out of your own pocket.
Note: In the case of third-party damage, you can take the details of the other vehicle's owner involved in the accident. However, for significant damage or theft of your vehicle, you have to file an FIR report at the nearest police station before initiating the cashless bike insurance claim process.

Honda Reimbursement Bike Insurance Claim Process

While filing reimbursement claim for Honda bike insurance or Honda scooty insurance policy, you will have to go through following steps
• Step 1: Intimate claim to the HDFC ERGO claim team regarding the incident by contacting them via call or registering it through our website. 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. You can opt for self inspection or an app enabled digital inspection by a surveyor or workshop partner.
• Step 2: Note the registration number of the vehicle/s which are involved in an accident.
• Step 3: If needed, file an FIR at the nearest police station. The FIR copy may be necessary for filing the claim.
• Step 4: Note down particulars of the accident like time and location. Note down the name and contact details of any witnesses.
• Step 5: Track of your claim status through the claim tracker.
• Step 6: When your claim is approved you will get the notification through the message.

Why HDFC ERGO Should be Your First Choice?

Bike insurance is a crucial aspect of bike ownership. Not only are you required to purchase insurance in order to ride legally, it is a financially wise decision as accidents happen without warning. Moreover, while you may be a safe driver, your safety is also dependent on others on the road. Any accident can leave you with substantial bills to pay for repairs. This is where bike insurance helps, by preventing these unexpected, out-of-pocket expenses. Then comes the step of choosing the right insurer. Here’s why you should choose HDFC ERGO for your Honda bike insurance policy:

Extensive services

Extensive service

You need an insurer that has a substantial presence across the region you are in or country. And with over 7100 cashless garages across India, HDFC ERGO ensures that help is always at hand.

24x7 roadside assistance

24x7 roadside assistance

The 24x7 roadside assistance facility ensures you are never stranded helplessly in case of any breakdown.

Over one crore customers

Over one crore customers

HDFC ERGO has over 1.6 crore happy customers, which means you can rest assured that your needs will be taken care of.

Overnight repairs

Overnight services

Your routine can get disrupted when your car is in service. However, with our overnight service for minor accidental repairs, simply catch up on your night’s sleep and have the car delivered to your doorstep in time for your morning commute.

honda two wheeler insurance claims

Easy claims

The ideal insurer should process claims quickly and smoothly. HDFC ERGO does that as we efficiently process our policyholders' claims. We have a record of a 100% claim settlement ratio.

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Frequently Asked Questions


Definitely. Whether you have the first edition of the Hornet or the previous Dio, you can and must buy insurance for a bike you intend to ride. Parts and spares for discontinued bikes may be even more difficult and expensive to get than newer models, which makes insurance even more crucial.
Bike insurance can be transferred from the old owner to you while you’re completing the formalities of the bike handover. Inform the insurer, and with the help of appropriate documents from both parties, the Honda bike insurance policy can be transferred at a nominal cost. This is crucial because if the insurer does not know that you are the current owner of the bike, your claim might get rejected.
Most insurers allow transferring of the bike insurance policy to the new bike with a pro rata adjustment of premium. However, if you’ve sold your existing vehicle, it’s advisable to transfer the old policy to the new owner, and buy a new policy for your new Honda bike, as the coverage for your older vehicle may not be enough for the new bike.
Insurance premium is heavily dependent on the power of the engine of the vehicles in question. The SP 125 has a 125-cc engine whereas the Dio has a 110-cc engine. Therefore, the SP 125 would command a higher premium than the Honda Dio.