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HDFC ERGO is founded in 2002 and is a joint venture between HDFC Ltd., India’s premier housing finance institution, and ERGO International AG, the primary insurance entity of Munich Re Group. The vision of HDFC ERGO is to be the most admired insurance company that enables the continued progress of customers by being responsive to their needs.
When you buy a two-wheeler, it is necessary to ensure it is against accidents. These Two-Wheeler Insurance Policies are only accessible for a limited time and must be renewed regularly, much like life insurance. If the policy is not renewed on time, the traffic police may issue a fine. If you are involved in an accident and your insurance has expired, you will be left with a significant financial burden. The cost of these fees, as well as any legal action, can be avoided by renewing your Two-Wheeler Insurance Policy on time.
Third-Party Insurance - Third-party insurance is mandatory by law, It is compulsory to renew at least third-party two-wheeler insurance If you forget to renew the third party then will face a hassle-free situation by giving a fine to the traffic police.
Comprehensive Insurance - In case your bike insurance policy has lapsed, you can renew it within 90 days to retain certain benefits such as No Claim Bonus, After the said period, the policy can be renewed but you will have to buy a new policy online and a verification producer.
Stand Alone Own damage Bike insurance - Own damage insurance cover is useful in covering the insured bike in case of accidental damage. In case, if your bike gets damaged, no coverage will be offered. But if you have your damage cover, you can claim for the damages sustained by your two-wheeler as well.
Two-wheeler insurance policies consist of two types- Comprehensive and third-party insurance. Comprehensive two-wheeler insurance covers your two-wheeler against theft and damage along with the cover against any third-party liability. On the other hand third party, which is a mandatory cover, which protects your two-wheeler against any damages.
Zero depreciation is an add-cover and has to be purchased by paying an additional premium. It offers complete coverage to your two-wheeler without factoring into depreciation.
HDFC ERGO is one of the leading general insurance companies in India. It provides the lowest premium on bike insurance, has a wide network of 7600+ cashless garages and its claim settlement ratio is 91.23%
Two-wheeler insurance of HDFC ERGOs will get renewed without any inspection.
If the policy gets misplaced then want to contact your insurer and they will issue a duplicate copy of the policy. You may have to pay a nominal amount to get the duplicate copy