HDFC Ergo Two Wheeler Insurance

No paperwork
No Paperwork
No Paperwork Required
Two 3
No Inspection
No inspection required for expired policies
Hasslefree claim
Easy Claim Settlements
Enjoy hassle free claim settlements.
Zero depreciation
Zero Depreciation Cover
100% repayment at the time of claim settlement
Two 2
Third Party Damage Compensation
Don’t have to worry if you get stuck on road
Two 1
No Claim Bonus Discount
Get cover for consumables like oil, nuts, bolts etc.

HDFC ERGO General Insurance Company Ltd. is a 51:49 joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. The Company offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space.

Loss Or Damage To The Vehicle Insured

Loss or damage to your vehicle caused by any one of the following events

  • Accident by external means
  • Burglary, House Breaking Theft
  • Fire, Explosion, Self Ignition, Lightning
  • Terrorism, Riots, Strikes, Malicious Acts
  • Transit by road, rail, inland waterways, air or lift
  • Earthquake, Flood, Storm, Landslide or Rockslide

Liability to third parties

Compensation for damage or liability causing bodily injury or death to another person.

Personal Accident Cover

Compensation for death injury/death sustained by the owner-driver of the insured two wheeler caused due to violent, accidental, external and visible means while travelling in the vehicle or during mounting into/dismounting from the bike.


Normal wear and tear.


Depreciation of the two wheeler is not covered.

Electrical and mechanical failure

General Electrical and mechanical failure of vehicle parts.

Alcohol or drugs

Claims arises due to driving a vehicle under influence of alcohol and drugs.

No valid license

Claims arises due to driving vehicle without valid driving license.

Nuclear risks

Claims arises due to nuclear risks.

How to make a claim?

  • Modes of Claim Intimation :

    Mobile App

    Simply download HDFC ERGO Mobile App - Insurance Portfolio Organizer from Playstore. Link your policy by providing few simple details and Register a claim

    Call & Register

    Register your claim by calling our customer care toll free number on 1800-2-700-700 (Accessible from India only) and get your claim number.

  • Cashless/Network Garages CLaim Process

    Locate HDFC Ergo network garages on or call HDFC Ergo toll free no for details.

  • Drive or have your vehicle towed to the nearest network garage.

  • All damages / losses will be surveyed and assessed by surveyor.
  • Fill in the claim form and provide the related documents as mentioned in the form.
  • You will be updated through SMS/Emails on every stage of the claim.
  • Once the vehicle is ready, pay your share of the claim consisting of Compulsory deductible, depreciation etc to the garage and drive off. The balance would be settled by HDFC Ergo directly with the network garage
  • Receive the claims computation sheet with entire break up for your ready records.

HDFC Ergo Two Wheeler Insurance FAQs

  • What are the benefits of buying two wheeler insurance online?

    The online advantage enables you to buy the policy through web instantly, save time and save money. You can get a free quote, calculate your two wheeler insurance premium and buy with the same quote within seven days. You can enjoy hassle free buying without any paperwork. You can buy HDFC Ergo Two wheeler insurance policy online using credit card, debit card or net banking.

  • What are the discounts allowed under HDFC Ergo two wheeler insurance?

    The discounts are on No Claim Bonus offered on two wheeler insurance.

  • What will happen when the customer sells his bike?

    If you sell your bike to another person, the insurance can be transferred in the name of the buyer. The buyer (transferee) has to apply for transfer of Insurance with us, within 14 days from the date of transfer of the vehicle in his name. If you want to substitute another two wheeler of your in this policy, the policy will not be transferred to the buyer. The buyer (transferee) has to buy a fresh insurance.

  • What is an endorsement?

    An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy.

  • What is No Claim Bonus (NCB)?

    No Claim Bonus (NCB) is a discount on premium of the own damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period of one year. The NCB can be accumulated up to a maximum limit of 50% on own damage premium for private cars. You can transfer the full benefits of NCB, even when you shift your car insurance to HDFC Ergo from any other Insurance company.

  • Is my No Claim Bonus (NCB) transferable?

    Yes, in case you are changing from any other insurance company to HDFC Ergo GIC Ltd. and have accrued some NCB from them, you can get the same transferred in case your car is insured within 90 days of your renewal due date.

  • What is the third party liability cover?

    The Insured will be covered for any liability arising from any accident caused by or arising out of the use of the private two wheeler in respect of: Death or bodily injury to third parties (unlimited liability)/ Damage to the third party property (minimum of Rs.6000/- and max of Rs.7,50,000)