Third Party Property Damages - Two Wheeler Insurance
Standalone Two Wheeler Insurance with HDFC ERGO
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Premium starts

at ₹482*
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Home / Two Wheeler Insurance / Third Party Insurance for Two-Wheeler/Bike

What is

 Third Party bike insurance?
Third Party Bike Insurance
Imagine you are cruising your bike and you accidentally run into a pedestrian. The collision leaves you injured and your bike damaged. The other person too sustains damages and demands compensation for his losses. The financial and legal implications are grave, and you have no way out. This is where your Third Party cover comes in handy.
A Third-Party cover is the most basic type of two-wheeler policy that offers protection for any damages and losses your two-wheeler could cause to the third party person or property. In the event of an accident, claims raised by the injured person can be covered under this policy, reducing your financial burdens and, thereby, your stress!

Did You Know? Two-wheeler owners without a Third Party cover can be fined INR 2,000 and/or imprisoned upto 3 months!

Reason enough to insure yourself? Get a quote or WhatsApp us on 73045 24888.

6 Reasons Why HDFC ERGO’s Third Party bike insurance is a must have!

Upto 70%^ off on premium
Premiums starting at just ₹482*
Protect your bike against third-party liabilities at the cost of your preferred OTT monthly subscription, or even lesser!
Zero documentation & instant policy
Policy in Less Than 3 minutes
Insure your bike in the time you take to stir up your favourite instant noodle!
24x7 Customer Service
24x7 Customer Service
There is never a bad time to call us! We are available for you, at your service, 24x7.
Personal Accident Cover
Personal Accident Cover
Covering medical costs for good drivers on bad days! We offer a compulsory Personal Accident cover of INR 15l.
No Heavy Penalties
No Heavy Penalties
Penny saved is penny earned when you insure your bike with a third-party insurance cover and wave goodbye to fines!
#1.5 Crore+ Happy Customers
#1.5 Crore+ Happy Customers
Join our happy family as we put a smile on 1.5 Cr+ customers with low premiums, stress-free procedures, and round-the-clock assistance.

Third Party two-wheeler policy inclusions and exclusions

Personal Accident Cover

Personal Accident Cover

Your safety, our concern. You remain our foremost priority, and thus we offer a compulsory personal accident (CPA) policy worth INR 15 lacs to shield you against any medical exigencies.

Third-Party Property Damage

Third-Party Property Damage

Bike repairs can cost a fortune! However, under our Third Party Insurance coverage, you are shielded from any financial liabilities you may have towards third party property damages.

Third Party Liability

Third-Party Liability Person

Collisions are traumatic and more so when people involved are left injured. With our Third-Party Insurance coverage, you are protected from medical expenses in case your vehicle causes injuries to another person.

Calculate your Third Party two-wheeler insurance premium

Enter your two-wheeler registration number

STEP 1

Enter your two-wheeler registration number

Select your policy cover

STEP 2

Select your policy cover*
(in case we are not able to auto fetch your two-wheeler's details, we will need a few
details of two-wheeler such as make, model, variant, registration year, and city)

Provide your previous policy

STEP 3

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

Get your two-wheeler quote, personalize and pay!

STEP 4

Get your two-wheeler quote, personalize and pay!

Renewals could not get simpler

  • Provide your previous policy details
    Step 1
    Provide your previous policy details
  • Opt for a personalized Third Party insurance plan
    Step 2
    Opt for a personalized Third Party insurance plan
  • Pay as you go!
    Step 3
    Pay as you go!

Reasons to buy Third Party insurance

Why Should You?

    ✔ Quick and simple purchase: Tiresome insurance purchase procedures are archaic. Now get your preferred insurance with minimum documentation by visiting our website in a matter of few clicks.


    ✔ Financial assistance & legal coverage: Peace of mind makes a journey memorable. With a Third Party insurance cover, you can now enjoy your rides without having to worry about untoward exigencies. This cover takes over your legal and financial burdens in the event of an accident causing damages to a Third Party person or property.


    ✔ Cost-effective insurance policy: Since all Third Party insurance premiums are predefined by IRDAI; it makes this policy affordable for all. Thus, within a nominal value, you can expect coverage for any unforeseeable third-party expenses awaiting you at the bend of the road.


    ✔ Waives off unwanted penalty: Under the Motor Vehicle Act, every two-wheeler, upon purchase, must be insured with at least a Third Party Insurance cover. An uninsured vehicle on Indian roads is an offence, and you could be penalized with a fine of INR 2,000 and/or imprisonment for up to 3 months.

Why Should You Not?

    ✔ Limited coverage: Although mandated under the Motor Law to ease financial grievances of the two-wheeler owner, Third Party insurance coverage is not enough. In case of any mishap (accident, fires, theft), a Third Party insurance policy does not cover damages or losses incurred by your bike. Thus, despite having a cover, you cannot claim your end of the losses resulting in an additional out-of-pocket expense. Our pro-tip? Upgrade your Third Party Insurance plan to our Multi-Year Comprehensive Two-Wheeler Insurance for all-rounded protection.

What Makes HDFC ERGO Third Party insurance your preferred partner for roads

Buying Journey premiums

Buying Insurance on the Go

We make two-wheeler insurance uncomplicated for you. With minimum to zero documentation, you can purchase our Third Party insurance cover in a matter of few clicks!

Third-Party Property Damages - Car insurance

Third Party Property Damages

We protect you from any implications, financial or legal. If your insured vehicle damages someone’s property, you are legally liable to cover the losses of the other person. However, under the Third Party cover, we protect you from any such legal as well as financial liabilities.

Third-Party Personal Damages

Third Party Personal Damages

We secure your finances against injured claimants. If your insured vehicle injures the other person, your Third Party cover will take care of their medical needs.

Personal Accident Shield

Personal Accident Shield

We value your life as much as your loved ones. Thus, in case of injuries due to a two-wheeler accident, we cover the treatment charges you may incur by providing you with compulsory Personal Accident Cover worth INR 15 lacs.

24x7 Assistance

24x7 Assistance

We remain at your service, always. For any policy-related assistance, you can reach out to us through calls or emails. We are committed to helping you anytime!

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

Awards & Recognition

Last updated: 2021-05-04

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