Co     Comprehensive Two-wheeler insurance of HDFC ERGO General Insurance

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.

What is meant HDFC ERGO comprehensive bike insurance?

Comprehensive insurance refers to a two-wheeler insurance policy that covers both own-damage coverage and third-party liability coverage. As a result, it offers complete protection from all forms of disasters and accidents. Comprehensive insurance premiums are greater than third-party insurance premiums due to the increased coverage.

Key benefits if you buy comprehensive bike insurance?

1. Simple Renewal Process-When it comes to renewing any insurance policy, such as health, motor, or travel, the process is simple. Policyholders can quickly and easily renew their two-wheeler insurance with a quickinsure insurance broker.

2. Get a no-claim bonus if you go a year without filing a claim- Insurance companies will give you a no-claim bonus if you go a year without submitting a claim. Benefits will be available to you.

3. There is very little documentation. -Only one two-wheeler insurance policy paper will be provided for the life of the policy. You are not expected to manage a large number of documents.

4. Meets customer needs- For the past 20 years, HDFC ERGO general insurance has been dedicated to providing the finest possible service to its consumers. To meet the needs of customers, the company has offered a comprehensive range of general insurance products.

Coverage in HDFC ERGO Comprehensive bike insurance-

1. Accidental coverage-Personal accident coverage of up to 15 lakh should also be included in the insurance. A two-wheeler crash can have a variety of outcomes, including permanent or temporary disability. Personal accident insurance coverage can aid in these situations. Some policies include coverage for the pillion rider as well.

2. Liability insurance-Liability insurance sometimes known as third-party liability insurance, is a type of coverage. Whether you're insuring a two-wheeler or a car, you'll need third-party coverage. If you cause an accident that leads to the injury or death of a third party, or damage to a third party's property up to 7.5 lakh, the responsibility coverage is given by the insurance policy.

3. Supplementary coverage-An insurance policy does not cover everything. You must select add-on plans that meet your needs if you want more coverage and protection. Zero depreciation, roadside assistance, and other options are available as add-ons.

4. Continuation On-time Whether you choose liability-only or complete coverage is totally up to you. However, you must make sure that your two-wheeler is properly insured and that your insurance is updated on time.

How to purchase comprehensive bike insurance from HDFC ERGO?

Step 1. Go to the online website of

Step 2. Click on Bike insurance

Step 3. Enter your REGISTRATION no. According to your RC

Step 4. You will find a quotation for Bike insurance from HDFC ERGO and other insurers.

Step 5. You can select the quotation of HDFC ERGO and fill out the proposal form.

Step 6. Once you verify your information, you click on the "pay now" icon and once the payment is made, you will receive the pdf of your policy on your mail ID.


1. Any loss resulting from a rebellion or a nuclear assault.

2. Consequential Loss is not covered.

3. Royal Sundaram will not be liable for more than one claim arising from the actions of a single employee.

4. Third-party insurance does not cover passengers in Two-wheeler insurance or hired driver.

5. The vehicle is being operated by someone who is under the influence of drugs or alcohol.


1.How can I get the best rate for my bike insurance?

There are many bike insurance plans available online. You can compare the different plans, find the best deal and buy online insurance.

2. I have lost my two-wheeler keys. What should I do?

If you have the emergency assistance cover added to your HDFC ERGO comprehensive two-wheeler insurance policy, then you don’t need to bother much.

3. What is zero depreciation cover or Nil depreciation?

Zero depreciation or nil depreciation is an add-on cover and has to be purchased by paying an additional premium. It offers complete coverage to your bike without factoring into depreciation.

4. What are the benefits of buying two-wheeler insurance online?

No paperwork and physical documentation are required and you will get your two-wheeler insurance policy instantly.

5. What are the various types of Two-wheeler insurance policies?

There are three-wheeler insurance policies-Third party insurance, Comprehensive insurance, Standalone own damage policy.

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