Bike insurance starting from Rs.482/year*
  • Save upto 75%*
    Lowest Bike Premiums
  • 11.5 Lakh+
    Happy Customers
  • Claim Support
    7 days a week

*TP price for less than 75cc two-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Find the right insurance for you
T&C Apply*

HDFC ERGO Bike Insurance

372 reviews Rate This
    Network Garages6,800+
    Claim Settlement Ratio91.23% in FY20
    Emergency AssistanceAvailable 24/7
    Number of Cutomers1.3 crore+
    AccreditationiAAA Rating by ICRA
    Presence 106+ Cities

    About HDFC ERGO Bike Insurance

    HDFC ERGO General Insurance Co. Ltd. is a joint venture between HDFC Ltd. and ERGO International AG where the former is India’s premier Housing Finance Institution and the latter is a primary insurance entity of the Munich Re Group. The insurance company has been catering to the endless customer needs since 16 years by offering them a range of insurance policies, including bike insurance, car insurance, health insurance, travel insurance, home insurance in the retail space and customised insurance policies for marine insurance, property insurance, and liability insurance in the corporate space, bike insurance being one of its popular products. It offers a wide range of plans and add-on covers for every portfolio, thereby fulfilling all the requirements of the customers.

    HDFC ERGO General Insurance has been assigned an ‘iAAA’ rating by ICRA that indicates its highest claim paying capability. It had also received ISO certification for their insurance claim services in bike insurance, health insurance, etc., customer servicing, and policy issuance. With more than 120 branches in more than 106 cities, the general insurer has more than 3,000 employees who work dedicatedly to achieve common goals.

    The general insurance company offers third party bike insurance policy, standalone own-damage bike insurance policies, and comprehensive bike insurance policies to the customers. Bike insurance policies offered by HDFC ERGO General Insurance come at an affordable bike insurance premium yet offer wide coverage. They come with features such as No Claim Bonus, 24*7 roadside assistance, cashless services, and so on.

    HDFC ERGO Bike Insurance

    HDFC ERGO General Insurance offers three main types of two-wheeler insurance namely Third Party, Standalone Own-Damage and Comprehensive Insurance Plan. HDFC ERGO Third Party Two-Wheeler insurance is a type of cover that is mandatory as per the Motor Vehicles Act, 1988, this cover takes care of the third party liability such as bodily injuries, demise or property damage of the third party in case an unforeseen event occurs.

    HDFC ERGO Standalone Own-Damage Two-Wheeler insurance covers the damages to the policyholder's two-wheeler caused during an accident, theft, fire/explosion, vandalism and natural/manmade calamities. This type of insurance policy covers the cost of own damages/cost of repairs that the policyholder may have to bear themselves.

    HDFC ERGO Comprehensive Two-Wheeler insurance covers both own-damage costs and third party liabilities under the same insurance policy. This type of insurance cover provides cover from the uncertainties of driving a two-wheeler.

    A potential buyer can also buy an add-on cover that can strengthen the base coverage of the insurance plan. Add-on covers can be purchased with standalone own-damage cover and comprehensive policy. These add-ons come at an additional cost, but they can be very useful in times of crisis if the correct add-on is chosen with the policy. Some popular add-on covers are zero depreciation cover, engine protection cover, roadside assistance cover and tyre protection cover. You can choose an add-on that is suitable according to requirements and budget.

    You can avail several benefits of purchasing any type of two-wheeler insurance policy from HDFC ERGO General Insurance. HDFC ERGO has a wide and well-equipped network of garages. The insurance provider is well known for overnight car repair services. HDFC ERGO offers seamless claim procedure, affordable premium rates and also offers 24x7 customer support. HDFC ERGO follows a paperless procedure, all transactions made are paperless.

    Significant Points of HDFC ERGO Bike Insurance



    Third-Party Insurance (Property Damage)

    Up to Rs. 1 Lakh

    Own-Damage Cover

    Depends on the IDV of the two-wheeler

    Personal Accident Cover

    Maximum of Rs 15 Lakh

    Claim Assistance

    24x7 Claim Assistance Available

    Calculate Your Bike Insurance

    Select your bike's brand
    • Hero
    • Honda
    • TVS
    • Bajaj
    • Yamaha
    Which city is your bike registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your bike?
    Have you made a claim in the previous year?

    Benefits of HDFC ERGO Bike Insurance

    • An extensive network of 6,800+ garages
    • 24x7 emergency assistance is available
    • Offers the facility of renewal without inspection
    • Insurer provides paperless insurance procedures
    • Allows the policyholders to make unlimited claims

    Must Read Articles before buying Hdfc Ergo Bike Insurance

    HDFC ERGO Bike Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Most Helpful
    • Compare
    • Price
    • Cashless Garages
    • Comprehensive
    • Claim
    • Renew
    • Premium
    • Add On
    • Beneficial premium calculator

      The premium calculator tool available on InsuranceDekho website is super quick and easy to calculate the IDV v...

      Read More
      By Visha Khanna
      On: October 27, 2021
    • Great first time experience

      I am thankful to InsuranceDekho website for offering me with a great policy documenting experience. I had a gr...

      Read More
      By Manisha Gilhotra
      On: October 25, 2021
    • Great first time experience

      I am thankful to InsuranceDekho website for offering me with a great policy documenting experience. I had a gr...

      Read More
      By Manisha Gilhotra
      On: October 25, 2021
    • Availability of best insurance...

      The insurance quotes offered by the insurance providers available on InsuranceDekho website are best in class....

      Read More
      By Amish Jain
      On: October 20, 2021
    • Information on quote generati...

      Before getting my Royal Enfield Bullet Electra insured with HDFC Ergo from InsuranceDekho website, I got to kn...

      Read More
      By Ritika Goswami
      On: October 18, 2021
    • Skilfully handling of claims

      I had made a claim under the HDFC Ergo third party bike insurance plan issued for my Hero Electric Optima E5 o...

      Read More
      By Raman Aggarwal
      On: October 13, 2021
    • Valuable suggestions

      I was searching for some good suggestions on the type of insurance plan that I must purchase for my Kawasaki E...

      Read More
      By Mariam Khan
      On: October 11, 2021
    • Great assistance

      I had read about the claim settlement process, however, I was not completely aware of how the inspection part ...

      Read More
      By Naina Mathur
      On: October 6, 2021
    • Amazing experience

      I had settled the cashless claim for my Okinawa Dual under HDFC Ergo bike insurance plan and it was an absolut...

      Read More
      By Manav Sharma
      On: October 4, 2021
    • Easy premium calculation

      It was quite easy to calculate premium payable towards my HDFC Ergo comprehensive bike insurance plan on the I...

      Read More
      By Manika Chaudhary
      On: September 29, 2021

    HDFC ERGO Bike Insurance FAQs

    • Why should I choose HDFC ERGO Bike insurance?

      HDFC ERGO is a leading name in the insurance industry. It is working for so many years towards providing the best insurance service to its customers. It has a claim settlement ratio of 91.23% for the FY 2019-20, which clearly states that it has a long list of satisfied customers.

    • Why do I need insurance for my bike when it’s not even a luxury bike?

      Being safe and secure is a necessity for everyone, regardless of the fact that he is leading a normal life or a luxurious life. Bike insurance will help you to be financially secured in the time of any emergency. There might be a situation where a simple accident will burden you with unlimited liabilities.

    • Does HDFC ERGO provide Zero Depreciation benefits?

      Yes, the customers can include a Zero Depreciation benefit in the HDFC ERGO Comprehensive Bike Insurance policy. The customers can purchase Zero depreciation add-on cover to enjoy the benefits.

    • What bike insurance plans are offered by the HDFC Bike insurance company?

      There are four kinds of bike insurance plans provided by the company, which comprise 1 year Comprehensive Plan, Long-Term Comprehensive Insurance, Standalone Motor Own-Damage Cover, and Two-Wheeler Liability Only Insurance.

    • How many branches does the company own in India?

      HDFC ERGO has the vision to provide bike insurance policies to people from all the arenas. It operates in a total of 106+ cities in India with over 120 branches, which are located in all the major states of the country like Maharashtra, Jammu and Kashmir, Gujrat, Haryana, Punjab, West Bengal etc.

    Why to buy from InsuranceDekho?

    • Instant policy# within 5 mins
    • More than 11.5 Lac happy customers
    • Claim Support available all 7 days of the week

    HDFC ERGO Bike Insurance Contact Details

    Reach us for help anytime

    HDFC ERGO Policy Wording Document Download

    • 1.0 MB
    • PDF Document
    • November 2, 2020

    Bike Insurance News

    • Latest
    • Popular


    Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are constantly doing our best to keep our privileged customers up-to-date with neutral and factual information.
    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.