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Scooter insurance, also known as two-wheeler insurance, is an excellent investment that can save your treasured joy-on-wheels from accidental or man-caused damages. The Indian roads are very unpredictable, hence having the backing of scooter insurance alongside careful riding can help reduce the financial risks you may face if your scooter is damaged due to an accident or a man-made or natural disaster. Without it, handling such expenses from your own pocket can be massively financially straining. Furthermore, as per the Motor Vehicles Act 1988, it is mandatory for two-wheelers to have a valid insurance policy with at least third-party liability cover to be able to legally drive and operate it on Indian roads. Nowadays, getting proper insurance coverage for your two-wheeler has become a very simple task, regardless of where you are in India. You can easily find, compare and purchase scooter insurance online or get an existing one renewed from the comfort of your own home.
As you can see, the importance of having valid scooter insurance for your scooter is undeniable. In India, it is available in a few types and features specific features and benefits, most of which vary from insurer to insurer. You can further pay an extra amount to expand your coverage with add-on protection. HDFC ERGO offers affordable scooter insurance policies with useful features and benefits that make your rides smooth and worry-free. Learn more about scooter insurance on this page.
Features of Scooter Insurance
| Key Features | Details |
| Own damage cover | Cover for damages caused due to accidents or man-made or natural calamities. |
| Third-party damage cover | Cover for third-party liabilities. |
| Claim settlement ratio | A high claim settlement ratio or CSR of 100%^ |
| Add-ons | Availability of 8 add-ons. |
| Ease of repair | Availability of doorstep repair service. |
| Cashless network garages | An impressive 2000+ cashless network garages PAN India. |
| No Claim Bonus | Availability of NCB of up to 50%. |
| Ease of policy purchase and renewal | New policy purchases and existing policy renewals can be done online, in just a few minutes. |
| Emergency roadside assistance | Offers useful features like emergency roadside assistance for scooter repairs anywhere and anytime. |
| IDV customization | Offers options for IDV customisation. |
| Claim settlement | AI-enabled tool IDEAS for motor claim settlement. |
Benefits of Scooter Insurance
| Benefits | Details |
| Peace of mind | Scooter insurance lets you easily tackle expenses due to unforeseen scenarios, acting as a shield and ensuring peace of mind while riding. |
| Comprehensive cover | The comprehensive range of cover under scooter insurance protects you against a variety of mishaps, including third-party liabilities, damages caused to your scooter, etc. |
| Avoid penalties on the road | Having proper insurance for your scooter is as important as third party cover of scooter insurance is mandatory as per the Motor Vehicles Act of 1988. |
| Affordable premiums | HDFC ERGO offers scooter insurance policies, starting at just INR 538*. |
| Useful add-ons to maximise coverage | You can customise the coverage under scooter insurance with valuable add-ons per your like zero depreciation, emergency assistance, return to invoice, etc. |
| Discounts | When you renew the policy, you can avail of the No Claim Bonus discounts following claimless years, which can eventually be up to 50% on your scooter insurance cost. |
Types of Scooter Insurance Plans by HDFC ERGO
Under HDFC ERGO, you can choose from 4 different types of two wheeler scooty insurance, which include;
Comprehensive Scooter Insurance
Third Party Scooter Insurance
Standalone Own Damage Cover
Cover for Brand New Scooters
This type of two-wheeler insurance policy offers comprehensive protection, covering your scooter against damages due to accidents, man-made or natural disasters, theft, fire, etc. It also comes with coverage for third-party legal liabilities. You can include add-ons and avail of NCB discounts with comprehensive scooter insurance. It is a bit expensive in terms of scooter insurance cost when compared to the basic third-party cover. However, due to its wide cover, it is often called the best scooter insurance plan.
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Accident, theft, fire etc.
Personal accident cover
Natural calamities
Third party liability
Choice of add-ons
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Inclusion & Exclusions of Scooter Insurance
Accidents
The two-wheeler insurance policy covers accidental damages sustained by your scooter.
Theft
If your scooter gets stolen, the policy will cover the damages, which will depend on its IDV and selected add-ons.
Fire & Explosion
Any damage caused to your scooter in the event of a fire or explosion, the policy will offer coverage.
Calamities
If your scooter sustains damages during natural calamities, like floods, earthquakes, etc., the insurance will offer financial support to ease your burden.
Third Party Liability
The plan will take care of the third-party liabilities caused due to an accident involving the insured scooter.
Personal Accident
Customers remain our top priority, hence scooter insurance offers personal accident cover for treatment-related expenses.
Depreciation
The scooter insurance usually does not offer coverage for depreciation in the value of the scooter or normal wear and tear due to usage.
Illegal Driving
The insurer will not entertain any two wheeler scooty insurance claims if the insured two-wheeler is involved in an accident where the rider was riding without a driving licence or under the influence of alcohol or any other illegal substance.
Mechanical & Electrical Breakdown
Electrical or mechanical breakdown of the scooter due to the negligence of the rider or the owner is not covered under the scooter insurance policy.
Scooter Insurance Add-Ons
Zero depreciation
Emergency Assistance Cover
Engine & Gearbox Protector
Return to Invoice
EMI Protector
NCB Protection
Cash Allowance
Cost of Consumables
Why Should You Buy Scooter Insurance?
There are tons of reasons why having scooter insurance is important, such as;
1. Cover for Repair Expenses:
Costs for scooter repairs for accidental damages can be financially straining. Having proper scooter insurance can help ease such expenses.
2. Cover for Third-Party Damages:
Any third-party damages or loss caused due to an accident involving your scooter requires proper compensation, which a two wheeler scooty insurance policy can help you pay for.
3. Legally Required:
As per the Motor Vehicles Act 1988, having valid two-wheeler insurance with at least third-party cover for your scooter is compulsory. Failing to comply with this law can result in expensive fines and penalties. Note that for electric scooters, you will need to have a valid e scooter insurance.
4. Wise Financial Decision:
Besides being mandatory, having suitable scooter insurance can offer financial security and peace of mind while riding and owning a scooter. The premium for third-party petrol-run scooter insurance is a bit different from third-party e scooter insurance.
5. Claim Approx Market Value:
With comprehensive cover, you can set the IDV amount within a range nearest to the scooter’s estimated present market worth. With this, you can claim the approximate market value in the event the scooter gets stolen.
6. Compensation for Damages Due to Calamities:
Whether it’s man-made or natural calamities, like riots, earthquakes, vandalism, floods, etc., scooter insurance protects your cherished two-wheeler against damages due to such disasters.
How to Buy Scooter Insurance from HDFC ERGO?
To buy scooter insurance from HDFC ERGO online, you will need to follow these easy steps;
1. Visit the official HDFC ERGO Scooter Insurance page,
2. Enter the details of your scooter, including the registration number,
3. Click on the “get a quote” button,
4. Choose the type of plan you are looking for, such as third-party liability or comprehensive coverage. With a comprehensive plan, you can edit the IDV.
5. Select the tenure of the cover, such as 1 year, 2 years, or 3 years,
6. If you want, you can pick add-ons per your liking or personal accident cover of a passenger or paid driver on this page,
7. Provide additional details, such as previous scooter insurance policy details (if applicable),
8. Get final scooter insurance quotes, and pay online through a secured payment gateway.
Upon payment completion, the details of the scooter insurance policy will be sent to you at your provided email address or Whatsapp number.
How to Renew Scooter Insurance from HDFC ERGO?
If you wish to renew existing scooter insurance from HDFC ERGO, you can get it done in a few easy steps via their online portal. The steps you need to follow are;
1. Visit the official HDFC ERGO Scooter Insurance page and navigate to the policy renewal section,
2. Fill in the details of the HDFC ERGO scooter insurance that you want to renew.
3. Make further changes if you wish, such as adding or removing add-ons,
4. Get final scooter insurance quotes and complete the renewal by paying the premium online.
After the payment is successful, you will receive the details of the renewed scooter insurance policy starting at the registered email address or Whatsapp number.
Forgot your DL, RC at home? The digital copies in the MParivahan or digilocker app on your smartphone are enough.
Electric Scooter Insurance Premium Rates In India
Apart from petrol-run scooters, electric scooters are also becoming widely popular in India. As per the rules, even electric scooters require valid two-wheeler insurance. The premium rates for third-party electric scooter insurance for E-bikes are also decided by IRDAI, based on the kilowatt capacity (kW) of their motor. The third-party e scooter insurance rates are listed below;
| EV kilowatt capacity (kW) | 1-year premium rate for third-party electric scooter insurance | 5-year premium rate for third-party electric scooter insurance |
| Not surpassing 3 kW | INR 457 | INR 2466 |
| More than 3 kW but not surpassing 7 kW | INR 607 | INR 3273 |
| More than 7 kW but not surpassing 16 kW | INR 1161 | INR 6260 |
| Surpassing 16 kW | INR 2383 | INR 12849 |
Note that the electric scooter insurance price for third-party insurance is applicable to change, so check with the latest IRDAI statements at the time of policy purchase.
Comparison of Scooter Insurance Policies
Comparing different types of policies is essential if you are looking for an ideal coverage at the best premium rates. Here are some points of comparison that can help you distinguish between two popular scooter insurance policies;
| Categories | Third-party cover | Comprehensive cover |
| Cover for damages caused by natural calamities (earthquakes, floods, cyclones, etc.) | Excluded | Included |
| Cover for damages caused by man-made disasters (theft, fire, vandalism, etc.) | Excluded | Included |
| Personal accident cover for INR 15 lakhs (optional) | Included | Included |
| Cover for third-party liabilities | Included | Included |
| Availability of add-ons | Excluded | Included |
| IDV customisation | Excluded | Included |
All Set to Buy A Two Wheeler Insurance Plan with EV add-ons for your Electric Vehicle? It will just take a few minutes!
How to Buy/Renew Secondhand Scooter Insurance Online
You should know that even second-hand vehicles are required to have a proper motor insurance policy in India. So, if you want to insure your secondhand scooter or renew an existing policy online from HDFC ERGO, you will need to follow these steps;
To buy secondhand scooter insurance
1. Visit the official HDFC ERGO two wheeler insurance page,
2. Enter the registration number of your secondhand scooter in the given section,
3. Click on the “get a quote” button,
4. Specify the secondhand scooter make and model,
5. Provide details of the last scooter insurance policy (if available),
6. Select the policy type, i.e., third-party or comprehensive,
7. Get final scooter insurance quotes, and pay it online to confirm the purchase.
To renew secondhand scooter insurance
1. Visit the official HDFC ERGO two wheeler insurance page,
2. Choose the renew policy option and enter the existing scooter insurance policy number,
3. View the details, make any changes per your liking, and get the final premium amount,
4. Complete online payment to get the renewal done.
How to Buy/Renew TW Insurance for An Old Scooter
If you have an old scooter, ensure that it has proper two-wheeler insurance coverage as per the law.
Here’s how you can buy classic scooter insurance online on HDFC ERGO;
1. Go to the official HDFC ERGO two wheeler insurance page,
2. Provide the necessary details of the old scooter,
3. Select the policy type and any additional cover per your need,
4. Get the final premium amount and pay it online to confirm the purchase of the classic scooter insurance.
To renew an existing TW insurance for an old scooter, simply go to the policy renewal section under HDFC ERGO two wheeler insurance page, enter the policy details, make the necessary changes if needed, verify the details and pay the premium online to get the renewal done.
How to Claim Scooter Insurance?
Filing a scooter insurance claim with HDFC ERGO is very simple. All you need to do is follow these four straightforward steps;
1. Contact our claims team through the official helpline number or by sending a text on WhatsApp at 8169500500. Our agents will provide you with a link, through which you can upload the necessary documents,
2. Pick between an app-enabled digital inspection by a workshop partner or surveyor or a self-inspection,
3. Use the claim tracker to track the status of your registered claim,
4. Upon approval of the claim, you will be notified via a message and it will be settled through a network garage.
Documents Required for Scooter Insurance Claim
When filing a two wheeler scooty insurance claim, you will need to share a handful of documents with the insurer. Here are the lists of documents you may be required to submit for filing a scooter insurance claim;
For accidental damage
1. Damage repair estimate,
2. Proof of scooter insurance,
3. Copy of the scooter’s original tax receipts and RC for verification,
4. Copy of original driving licence,
5. Police FIR report copy when reporting third-party property damage, bodily injury or death,
6. Repair bills and payment receipts.
For theft-related claims
1. Scooter insurance policy documents,
2. Theft endorsement from the concerned RTO,
3. Details of previous scooter insurance (if applicable),
4. Original receipt of RC tax payment,
5. Police FIR/Final investigation report,
6. Scooter warranty card, service booklets and vehicle keys,
7. An approved copy of the letter regarding scooter theft, addressed to the concerned RTO, declaring the scooter as “Non-use”.
For damage due to fire
1. Soft copy of the scooter RC,
2. Original scooter insurance policy,
3. Current evidence of the incident with proper videos and images,
4. Soft copy of the rider’s driving licence,
5. FIR copy (if applicable),
6. Fire brigade report (if applicable).
Two-wheeler Insurance Policy Documents
Here are the HDFC ERGO scooter insurance policy documents that you may need;
1. Brochure: Learn about the key details of the scooter insurance policy, its coverage, deductibles, etc., by going through the scooter insurance brochure.
2. Claim forms: For scooter insurance claim settlements, get the required scooter insurance claim form.
3. Policy wordings: Learn about the instances under which loss coverage can be awarded to you, along with other terms and conditions by going through the scooter insurance policy wordings.
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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