HDFC ERGO two wheeler insurance policy assures a stress-free driving experience by protecting you and your bike or scooter against various kinds of theft or damages. Trusted by more than 1.5 crore customers and admired through near-5-start ratings, it remains a must-have for your peace of mind.

  • Cashless Claims.
  • Multiple Add-ons.
  • Specific Cover for New Bikes.
  • Personal Accident (PA) Cover.
  • Doorstep Repair Services.
  • Unlimited Claims with Comprehensive Covers.
  • AI-enabled Claim-settlement.
  • Loyalty Benefits.
  • Affordable Premiums.
  • No-paperwork Fast Policy-purchase.
  • 24x7 Customer Support.

HDFC bike insurance from HDFC ERGO General Insurance Company Ltd. serves millions across India through 7,400+ network garages, emergency roadside assistance and other practical offerings.


HDFC ERGO 2 Wheeler Insurance Features & Advantages

  • Third-party, Comprehensive, Standalone own-damage and a Cover for new bikes.
  • Coverage duration of 1 to 5 years.
  • Cashless and non-cashless reimbursement claim options.
  • Optional add-ons for enhanced protection.
  • Customization of IDV for Comprehensive policies.
  • Takes care of third-party liabilities and your treatment charges in case of personal accidents.
  • Damages sustained by your scooter or bike during accidents, fire, explosions, thefts and calamities.
  • Compulsory personal accident covers for the owner/driver of the motorcycle or scooter.
  • Easy 4-step claim-filing process.
  • Artificial-intelligence enabled tool 'IDEAS' - for hassle-free claim experience.
  • No-claim bonus (NCB).
  • Transferrable NCB.


HDFC ERGO Bike Insurance Policies & Variants

HDFC ERGO Third-party Two-wheelerInsurance: Legally-mandatory as per by the Motor Vehicles Act.

  • Appropriate for those who do not use their bikes or scooters regularly.
  • Only brings protection against liabilities due to damages, injuries or losses to third-party individuals and properties.
  • Driving without a valid third-party policy may invite a fine of up to 2,000 rupees.
  • Carries a personal accident cover.


HDFC Multi-year Comprehensive Insurance: Available for 1 to 3 years. Ensures all-rounded protection with cover against damages to your scooter or bike.

  • Addresses accidental losses/damages to your bike or scooter caused by fire/explosion, self-ignition/lightning, burglaries, thefts, riots, strikes, earthquakes (fire/shock damages), floods, storms, hurricanes, typhoons, tempest, inundation, hailstorms, frost, cyclones, malicious /terrorist activities, whilst in transit by road/rail, inland waterways, lifts/elevators/air, landslides and rockslides.
  • Takes care of legal liabilities arising out of bodily injuries to and/or property damages of third parties due to accidents involving your bike or scooter.
  • A personal accident cover.
  • Customisable through valuable add-ons.


HDFC ERGO Standalone Own-damage Cover:Shields you against financial losses because of damages to your own two-wheeler.

  • Suitable for two-wheeler owners with valid third-party policies.
  • Protects you against accidents, fire, thefts and natural calamities.
  • Lets you finalise required add-ons.


Insurance Cover for Brand-new Bikes: Get 1-year coverage against damages to your own scooter/bike and 5-year protection against losses to third party persons/properties.

  • A right-fit for those who have bought new two-wheelers.
  • Protects you against third-party liabilities, accidents, fire, thefts and natural calamities.
  • A personal accident cover and add-ons.


HDFC Insurance Two-wheeler Add-Ons

  • Zero-Depreciation: Depreciation does not get calculated while claim-settlement and the entire due claim amount are compensated. 


HDFC 2 Wheeler Insurance Major Exclusions

  • Normal wear/tear.
  • Mechanical breakdowns or visiting mechanical shops.
  • Damages resulting from bike or scooter stunts.
  • Contractual liabilities.
  • Losses while driving without a valid license, or under the influence of drugs/alcohol.
  • War/Nuclear risks.


HDFC Bike Insurance Policy Discounts

  • Discounts of up to 70%.
  • No-claim Discounts: If you do not make any HDFC bike insurance claims throughout the year, you get a discount of 20% on the premium of the second year. It can go up to 50% for consecutive claims-free years. 
  • An additional discount if you have a membership with approved automobile associations.
  • You also get a discount on HDFC ERGO two-wheeler insurance price if you install approved anti-theft devices in your two-wheeler. 

Two-wheeler Insurance HDFC Premium Calculator

The premium for your HDFC ERGO two-wheeler policy is based on factors such asthe make/model, city, registration date, add-ons and the use of electrical or non-electrical accessories.

One can compare policies and plans by visitingHDFC ERGO's official website. Alternatively, you may use established online insurance comparison portals like to explore HDFC ERGO two-wheeler insurance rates, simplify and speed up the process of buying bike or scooter insurance.


HDFC ERGO Two-wheeler Insurance Renewal & Application

One can apply for a new HDFC two-wheeler insurance policyor prefer HDFC two-wheeler insurance renewal online by viewing and comparing quotesthrough premier insurance comparison platforms such as


HDFC ERGO Two-wheeler Insurance Review

The joint venture between HDFC Ltd. and ERGO International AG bringsmore user-friendly and transparent two-wheeler insurance plans. The policies not only carry the top-notch IAAA and ICRA ratings but have also been defined through prestigious awards ranging from SKOCH Order-of-Merit, ICAI recognitions, to best customer experience provider acknowledgements.

HDFC Two-wheeler Policy FAQs

Q: What are some of the essential factors I should bear in mind while comparing two-wheeler insurance policies?

Start with deciding the extent of coverage your need. Then go through other customers' feedback. Compare features, premiums and find out their claim-settlement ratios. Also, do not forget to read the fine print before reaching a decision.

Q: How are two-wheeler insurance premiums calculated?

Your premiums are impacted by the condition of your scooter or bike, modifications, its market value, risk evaluation as per your driving record, the kind of policy and add-ons you choose.

Q: Will there be any changes to my HDFC ERGO two-wheeler insurance policy if or when I change my job or move to another city?

The policy premium may get affected based on the new location as metro cities like Delhi, Mumbai, or Chennai tend to have higher premiums than the other parts of the country.

Q: What are the documents I need to file an HDFC bike or scooter insurance claim?

Lodge an FIR in case of theft or damages to your two-wheeler. The documents needed will include the FIR copy, your RC (Registration certificate), DL (Driving license), photos of the accident spot, insurance papers and a duly-signed claim form.

Q: Can you please explain the steps involved in HDFC ERGO two-wheeler insurance cashless claim-registration process?

  • Locate the nearest network garage on www.hdfcergo.comor call the toll free number 022 6234 6234 / 0120 6234 6234.
  • Drive/get your scooter/bike towed to the garage.
  • Damages will be surveyed/assessed.
  • Fill in the claim form with related documents.
  • At every stage, you will receive an SMS/Email update.
  • Once the two-wheeler is ready, you may pay your share of claim to the garage and drive out. The balance is settled by HDFC ERGO directly with the garage.


Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.

similar two wheeler pages
go to top img