HDFC ERGO Bike Insurance Claim

HDFC ERGO has a great record of settling claims made by its policyholders. In FY 2019-20, it featured an impressive claim settlement ratio of 91.23%. The insurer also provides round-the-clock customer assistance so that the policyholders can make hassle-free claims for their bikes.

List of Documents Required During Claim Settlement

Following documents are required at the time of making a claim for a two-wheeler insurance policy in case of accident, theft or third party claims:

1. In Case of an Accident

• Duly filled and signed claim form
• Original/Copy of two-wheeler insurance policy
• Copy of Registration Certificate (RC)
• Copy of Driving License
• Copy of FIR (First Information Report)
• Original tax receipts
• Estimate of cost of repairs
• Payments receipts/bills once the repair has been completed

2. In Case of Theft

• All documents required for making a claim for a two-wheeler insurance policy in case of an accident.
• Duly filled and signed 26, 28, 29, 30 and 35 Forms
• ‘No Trace Report’ of the insured two-wheeler from the police.
• Original Registration Certificate (RC)
• Theft declaration from Regional Transport Office

3. In Case of Third Party Claims

• Duly filled and signed claim form
• Original/Copy of two-wheeler insurance policy
• Copy of Registration Certificate (RC)
• Copy of Driving License
• Copy of FIR (First Information Report)

How to Make HDFC ERGO Bike Insurance Claim Online?

You can follow these simple steps to make a claim for your HDFC ERGO two-wheeler insurance policy on the official website:

Step 1: Register Claim Online

Visit the official website of HDFC ERGO or open the HDFC ERGO app and log in using your policy number/registered mobile number/email ID, you will receive an OTP to verify your registered mobile number/email ID. You can register the claim online on the website/app and upload the supporting documents.

Step 2: Inspection

You have the option of choosing self-inspection or an app-authorized digital inspection by an insurance surveyor or a workshop partner when you register your claim on the website or app.

Step 3: Track Your Claim

You can track claims using the claim tracker feature on the website and the application to know the status of your claim.

Step 4: Claim Settlement

Following a successful investigation and claim approval, the insurance company will pay the repair costs at the garages, less the deductibles.

How to Make HDFC ERGO Cashless Bike Insurance Claim?

You can make a cashless claim for your bike with HDFC ERGO by following the below steps:

Step 1: Contact HDFC ERGO General Insurance and Register a Claim

Get in touch with HDFC General Insurance and share all the necessary details like location, time etc of the mishap/accident involving your bike and register a claim. You can either call their toll-free number 022-6234-6234/0120-62346234 or can visit their website to intimate and register a claim.

Step 2: Survey and Repair

After the filing of the claim, the insurance will send a surveyor to your area to examine the extent of the damage to the bike caused by an accident.

Step 3: Towing Service and Repairs

Tow your bike to the nearest garage authorised by HDFC General Insurance. You can also request the insurer to arrange for the towing service.

Step 4: Claim Settlement

The insurer will pay for the repair expenses at the garage apart from the deductibles. After this, you can take your bike home.

How To Make HDFC ERGO Reimbursement Bike Insurance Claim?

When a policyholder fails to take the insured bike to a garage authorised by the insurer and instead decides to have it fixed somewhere, a reimbursement claim is made.The process of placing a reimbursement claim is as follows:

Step 1: Contact the insurer and Register a Claim

Contact HDFC General Insurance and share all the necessary details like location, time etc of the mishap/accident involving your bike and register a claim. You can either call their toll-free number 022-6234-6234/0120-62346234 or can visit their website to intimate and register a claim.

Step 2: Get Survey of the bike done

The company will send a surveyor to check the condition of the bike before it is sent for repairs.

Step 3: Repair and Reimbursement

You may now securely ride your bike to your chosen garage and pay your bill. After that, you must present all of the documents required by the company, as well as all bills and receipts, in order to file a reimbursement claim.Only after taking into account all the deductibles and depreciation amount did the company finally disburse the amount.

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.