HDFC ERGO Stand Alone Own Damage Bike Policy

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 by Stand Alone Own Damage Bike Policy in HDFC ERGO?

Damage caused by oneself In the case of an accident, a two-wheeler insurance coverage can provide an extra layer of security for both you and your vehicle. Furthermore, they provide this benefit in a variety of situations, including total damages, road accidents, theft, natural disasters, and so on. It gives compensation in a variety of circumstances.

 Benefits of buying Stand Alone Own Damage policy from HDFC ERGO

The insurance provider indicates HDFC ERGO will offer a No Claim Bonus for each year without a claim.

HDFC ERGO car insurance online renewal ensures that your bike insurance plans fast and with less paperwork.

HDFC ERGO choose which is always increasing to provide you pan-India services without the need for you having to pay any upfront amount for services availed

Even on holidays is extremely useful when you get stuck or meet with an accident at awkward hours of the day and also need assistance.

How to purchase Stand Alone Own Damage Policy from HDFC ERGO?

Step 1 – Visit from your browser.

Step 2- Select the private bike option on the home page of and enter your vehicle registration number according to your Registration Certificate (RC).

Step 3- Select the quote of HDFC ERGO from the multiple insurance companies' quotes that will appear on the next page after you input the details.

Step 4- Fill out the proposal form once you select the quotation and enter your correct details.

Step 5 – Click on Pay Now once you cross-check your details. You will receive the policy on your email ID once the payment is done. In case of any query raise it to

 Coverage of Stand Alone Own Damage Policy in HDFC ERGO

A two-wheeler insurance policy would also cover any legal liability arising out of injury up to 15 lakh.

Damages caused to bikes due to natural or manmade disasters, etc.

Explosion or fire that damages the bike

Theft or total loss of bike

An accident resulting in collisions on the road that damages the bike is not covered

Exclusions under Stand-Alone Own Damage Policy in HDFC ERGO

HDFC ERGO will not cover general wear and tear or depreciation in the value of the bike

Riding under the influence of substances or without a valid driving license is neither cool nor covered in HDFC ERGO bike insurance

Electrical or mechanical breakdowns of any nature are beyond the scope of coverage are not included in HDFC ERGO

HDFC ERGO Stand alone own damage two-wheeler insurance only covers damages for your third party cover will take care of the rest.


1. Why should we pick HDFC ERGO two-wheeler insurance?

HDFC ERGO is a trusted brand all over India. It has been striving for many years to provide its customers with the best insurance service possible.

2. Does HDFC ERGO provide benefits of zero depreciation in a two-wheeler insurance policy?

Customers can choose to have their HDFC ERGO stand-alone two-wheeler insurance policy include a zero depreciation benefit.

3. In India, how many branches does the HDFC ERGO Insurance Company have?

HDFC ERGOs vision is to provide two-wheeler insurance to individuals from all areas. It has over 120 branches in 106 plus cities across India, Including Maharashtra.

4. How can I receive a cashless bike maintenance service with HDFC ERGO?

Yes, HDFC ERGO provides cashless repair services at its network garages to its policyholders.

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