HDFC ERGO Own Damage Bike Insurance

Riding a two-wheeler comes with certain uncertainties, this can bring on a constant worry for you and your family. Having insurance provides a layer of protection against such uncertainties by providing compensation for your own-damage costs and thus also provides the insurance holder with security in times of crisis. A standalone own-damage two-wheeler insurance policy will provide compensation for a variety of situations such as theft, vandalism, fire, natural and manmade disasters, etc which can result in own-damage expenses of your bike. A standalone own-damage two-wheeler cover provides holistic protection when purchased alongside third party insurance which is compulsory.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

What is Covered Under an HDFC ERGO Standalone Own-Damage Two-Wheeler Policy?

Following are the aspects that are covered under an HDFC ERGO standalone own-damage two-wheeler insurance policy:

• Accidents resulting in collisions on the road that damage the two-wheeler.
• Explosion or Fire that damages the two-wheeler.
• Theft or total loss of the two-wheeler.
• Damages caused to the two-wheeler due to natural or manmade disasters, eg. floods.

What is Not Covered Under an HDFC ERGO Standalone Own-Damage Two-Wheeler Insurance Policy?

Following are the aspects that are not covered under an HDFC ERGO standalone own-damage two-wheeler insurance policy:

• Electrical or mechanical breakdowns of the two-wheeler.
• Mishaps that occur due to illegal riding involving the two-wheeler.
• Depreciation of the two-wheeler.
• Mishaps that occur outside the mentioned geographical limitations.

Following are the benefits of purchasing an HDFC ERGO Two-Wheeler Insurance Policy:

• Offers protection for the two-wheeler against a range of scenarios such as road accidents, fires, theft, vandalism and other mishaps.
• Insurance providers offer No Claim Bonus for every claim-free year.
• Several add-ons that can further enhance your policy’s coverage are available.

How To Purchase an HDFC ERGO Standalone Own-Damage Two-Wheeler Insurance Policy?

Following are the steps you need to take to purchase an HDFC ERGO Two-Wheeler Insurance Policy:

Step 1: Visit our website InsuranceDekho and select the ‘two-wheeler insurance’ tab. Next from the drop-down menu select the ‘Standalone Own Damage’ option.

Step 2: Enter your two-wheeler’s registration number. If you do not have this information you can also enter the two-wheeler’s make, model and year of registration.

Step 3: Provide your personal details and any other information that is required. After this is done select ‘Submit and Get Quotes’.

Step 4: All the quotes for standalone own-damage two-wheeler insurance policies will be visible on the screen. Select one offered by HDFC ERGO and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your selected HDFC ERGO standalone own-damage two-wheeler insurance policy and the policy document will be sent to your registered email ID.