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Key Features:
  • Right Green Tick No Inspection Needed
  • Right Green Tick Immediate Policy Issurance

Top HDFC ERGO Bike Insurance Plans

PLAN TYPE: Comprehensive
Starting From 812
PLAN TYPE: Third Party
Starting From 714
PLAN TYPE: Own Damage
Starting From 187

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  • Chennai
  • Gurgaon

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The Bike Insurance Claim Settlement Ratio (CSR) shows the percentage of claims successfully settled by an insurance company out of the total claims received during a financial year. A higher CSR suggests a better chance of your accident claims being resolved. Therefore, it's important to consider a company's CSR when buying new bike insurance.

HDFC ERGO is a leading bike insurance provider in India. It has a 100% claim settlement ratio. This implies that it successfully settles all the claims made by its customers. With such exceptional customer service, it has become a highly-rated insurance provider.

Claim Settlement Ratio of HDFC Bike Insurance

HDFC ERGO determines its claim settlement ratio by dividing the total claims settled within 30 days by the overall sum of claims paid. This measure is a reliable method to assess whether the insurance company and the selected policy meet your requirements and preferences.

Key Features


Claim settlement ratio


Cashless garages


Founding year


Personal accident cover

Up to Rs. 15 lakh

Claim assistance


Types of HDFC ERGO Claim Settlement Process

HDFC ERGO has an exceptional CSR of 100%. It offers two types of claim settlement process. These are as follows:

Cashless Claim Settlement Process

A cashless two-wheeler policy allows you to get your bike repaired at authorised garages without paying upfront. Insurers usually have partnerships with several garages, where repairs are done based on your selected coverage. After repairs, the bill is sent directly to the insurer, who settles the expenses with the garage.

It's important to inform the insurer about the damage before repairs begin. While the insurer covers damages outlined in your policy, you may need to pay for any additional expenses, like electrical failures.

Reimbursement Claim Settlement Process

In Bike Reimbursement Claims, the policyholder first pays for bike repairs after an accident and then submits a claim to the insurance provider to recover the costs.

Once the repair expenses are covered by the policyholder, they provide necessary documents such as repair bills and claim forms to the insurer. After review and approval, the insurer reimburses the policyholder for the eligible expenses incurred during the bike repair.

HDFC ERGO Claim Initiation

You should follow the below-mentioned steps to initiate HDFC ERGO’s bike insurance claim:

  • To start a claim or learn more about the process, visit HDFC ERGO's Bike Insurance Claim Process page to initiate or track your claim.
  • Reach out to HDFC ERGO via WhatsApp at 8169500500.
  • You can also call HDFC ERGO's toll-free helpline at 022 6234 6234 / 0120 6234 6234 to register your claim.

Alternatively, you can always reach out to an InsuranceDekho agent to help you with your claim initiation.

How to File an HDFC ERGO Bike Insurance Claim?

Let us take a look at the procedure to be followed to file accidental claims and third-party claims from your bike insurance policy.

Accidental Claims

To get accidental claims, you’ll be required to follow the below-mentioned steps:

  • Step 1: Get in touch with your insurance company to report the accident and furnish detailed information about your bike's damages.
  • Step 2: Immediately contact the police and file a First Information Report (FIR) if required.
  • Step 3: Capture clear photographs of the accident scene and your bike's damages.
  • Step 4: Provide your insurer with necessary documents including your insurance policy copy, FIR, driving license, and bike's registration certificate.
  • Step 5: Take your bike to a garage to commence the repair process. Upon claim approval, you'll receive reimbursement or compensation as per the terms of your policy.

Third-Party Claims

To make a claim from your third-party bike insurance policy, you need to follow these steps:

  • Step 1: Capture photos of the damage incurred.
  • Step 2: Note down details about the vehicle responsible for the damage.
  • Step 3: If possible, gather contact information from any witnesses present during the accident.
  • Step 4: Inform your insurance provider to receive personalised advice on handling the situation.
  • Step 5: Lodge a First Information Report (FIR) at the appropriate police station.
  • Step 6: Seek legal support to file a case with the Motor Accident Claims Tribunal Court.
  • Step 7: Present necessary documentation in court to prove the liability of the third party.
  • Step 8: Obtain compensation from the insurer of the responsible party.

Claim Process of HDFC ERGO Bike Insurance?

You can file a claim both online and offline. Both these methods are easy to follow and take less time.


To initiate a claim, you have multiple options. You can reach out to HDFC ERGO via their toll-free number at 8169500500.


You also have the option to file your bike insurance claim offline through InsuranceDekho. Simply reach out to our customer support team at 7551196989 or send us an email at to schedule a home visit from our relationship manager.

Our dedicated relationship manager will meet you in person and offer assistance throughout the claim settlement procedure.

Documents Required for HDFC ERGO Claim Process

You need the following documents for the HDFC ERGO Claim process:

  • Original claim form with NEFT mandate form
  • Copy of registration certificate (RC)
  • Copy of the driving license of the person driving the vehicle at the time of accident
  • Copy of policy
  • Certified copy of one officially valid document & PAN card/form 60
  • FIR or police report (depending on loss type)
  • Garage estimate
  • Repair invoice
  • Cancelled cheque (in case of non-cashless settlement)

HDFC ERGO No Claim Bonus

Below we have important provided information regarding HDFC ERGO No Claim Bonus. This includes the details, benefits, and limitations:


HDFC ERGO’s No Claim Bonus (NCB) is a reward for policyholders for maintaining a claim-free record during their insurance term. It promotes safe driving behaviors and leads to reduced insurance premiums. NCB reflects the insurer's acknowledgment of the policyholder's responsible driving habits.


No Claim Bonus (NCB) offers policyholders the advantage of lower insurance premiums as a reward for safe driving practices and maintaining a claim-free record. It is like an incentive for responsible driving behavior and encourages policyholders to prioritise road safety.


Despite its benefits, the No Claim Bonus (NCB) may have limitations, such as not being transferable between insurance providers. Additionally, it may reset to zero if a claim is made, leading to a loss of accumulated bonus.

HDFC ERGO Bike Insurance Claim Assistance & Support

Please feel free to contact InsuranceDekho for any claim assistance and support. You can reach our customer support team at 7551196989 or email us at to schedule a personalised visit from our dedicated relationship manager. Your designated manager will meet you at a time convenient for you, offering comprehensive guidance throughout the claim procedure.

Common HDFC ERGO Bike Insurance Claim Rejection Reasons

There are certain conditions that the policyholder needs to fulfil when applying for a claim. There are some grounds on which claim on the insurance policy can be rejected such as

  • Act of negligence
  • Misinterpretation of facts
  • Registration of a fraud claim
  • Lack of details required to process the claim
  • Delay in intimation about the mishap to the insurer
  • Driving without licence or under influence of alcohol/drugs

HDFC ERGO No Claim Bonus

When you purchase either a standalone own-damage cover or as part of a comprehensive plan you can receive No Claim Bonus for every claim-free year as a reward. The NCB is cumulative in nature and goes up to 50% in the fifth consecutive year. HDFC Ergo also offers the NCB with their own-damage covers. Keep in mind that even if you submit a minor claim, the NCB is disabled. As a result, policyholders are recommended to refrain from filing a claim if the damage to the two-wheeler is small.

It is also recommended that policyholders renew their insurance on time in order to keep their NCB. If you do not do so, the reward will be void. To avoid this, the insurance company provides a grace period of 90 days. Any further delays, on the other hand, will result in the cancellation of the insurance and, with it, the NCB.A benefit of the No Claim Bonus is that you can transfer the benefit if you change insurance providers or if you sell your two-wheeler and purchase another one. This is because NCB is a reward that is offered for the policyholder’s safe driving.

Must Read Articles before buying Hdfc Ergo Bike Insurance

Hdfc Ergo Bike Insurance User Reviews

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What users are saying
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  • Good Assistance

    I was confused about the coverage of my HDFC bike insurance when my bike had a mechanical failure. InsuranceDekho helped me understand my policy. They guided me through the claim process and finally, the claim was settled.

    By Priya Mehta
    On: June 26, 2024
  • Extensive Coverage

    Due to an accident, my bike’s rim was damaged. It was very expensive to pay for the repairs. However, I bought an HDFC bike insurance policy with InsuranceDekho. Thanks to this policy, I was able to get it repaired at a cashless garage without any upfront payment.

    By Arjun Juneja
    On: June 19, 2024
  • Trustworthy Service

    I was worried about my HDFC bike insurance’s claim settlement. Since it was such a difficult procedure, I took help from InsuranceDekho. They came to my home and guided me throughout the process. With their help my claim was finally settled.

    By Neha Prakash
    On: June 17, 2024
  • 100% Satisfaction

    Recently a tree fell over my bike and damaged its parts. I contacted InsuranceDekho to help me with the claim process. As I had comprehensive coverage from HDFC bike insurance, I was able to get its parts repaired. They towed my bike from my home and delivered it after repairing it. I am 100% satisfied with their services.

    By Manish Tanwar
    On: June 11, 2024
  • Seamless Process

    I liked how simple it was to get the insurance for my bike through InsuranceDekho. They helped me find the Hdfc Ergo's bike policy without any fuss.

    By Manish bansal
    On: March 2, 2024
  • Peace of Mind with Every Drive...

    Every time I hit the road with my Mahindra bike, I have peace of mind knowing that InsuranceDekho's HDFC Ergo Bike Insurance Policy’s own damage coverage has my back. It's a reassuring feeling that money can't buy.

    By Krishna Lal
    On: November 29, 2023
  • Prompt Assistance, Anytime

    The best part about the HDFC Ergo Bike Insurance Policy was the prompt assistance I received from InsuranceDekho's network of cashless garages for my Yamaha bike. They're there to help anytime, day or night.

    By Raju Bhatia
    On: November 22, 2023
  • Affordable Premiums

    I found that the premiums for comprehensive HDFC Ergo Bike Insurance Policy from InsuranceDekho are affordable, making it a valuable investment for my Vespa bike.

    By Rustam Khan
    On: November 16, 2023
  • Hassle-Free Claims with Own Da...

    I had to file a claim for my HDFC Ergo Bike Insurance Policy due to a minor collision, and I found that the process with InsuranceDekho's own damage coverage was hassle-free. They handled everything swiftly, allowing me to get my Triumph bike back on the road.

    By Sandeep Narula
    On: November 15, 2023
  • Ease of Service with Cashless ...

    The ease of service with a cashless claim is unmatched by the HDFC Ergo Bike Insurance Policy. I didn't have to handle any paperwork, and my Royal Enfield bike was back in action quickly. It's a convenience I truly appreciate.

    By Satyam Kumar
    On: November 9, 2023

HDFC ERGO Bike Insurance Claim FAQs

  • Where can I receive a cashless bike service?

    In India, HDFC ERGO Insurance Company provides approximately 6,800 cashless garages where policyholders can get cashless service. InsuranceDekho can help you find an HDFC ERGO cashless garage near you.
  • What is the process for filing a claim for HDFC ERGO bike insurance?

    Just call 022-62346234 or 0120-62346234 to file a claim for your HDFC ERGO bike insurance. You can also register for the claim online using the official website.
  • Is it necessary to file a FIR after an accident in order to claim insurance?

    Yes, in the case of an accident, you must file a FIR with the nearest police station. A copy of the FIR is required in order to claim the HDFC ERGO bike insurance.
  • Is it time-consuming to file an insurance claim?

    No, the insurance claim process is not lengthy because the insurer tries to handle the claim as quickly as possible. To avoid delays in the claim settlement process, policyholders should immediately notify the insurer of any incident or accident.
  • How can I check the updates on my claim?

    By sending you SMS on the registered mobile number of the policy, the insurer will keep you informed about every step of the claim process. You can also receive updates by mail.
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HDFC ERGO Bike Insurance Contact Details

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