Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin
Key Features:
  • Right Green Tick No Inspection Needed
  • Right Green Tick Immediate Policy Issurance

Calculate Your Bike Insurance Premium Online

Select your Two wheeler brand

  • Hero
  • Honda
  • TVS
  • Bajaj
  • Yamaha

Which city is your Two wheeler registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your Two wheeler?

HDFC ERGO Standalone Own-Damage Two-Wheeler Insurance Policy

HDFC ERGO's standalone own damage (SAOD) insurance plan provides coverage for your motorcycle and protects you against various events. Fro m natural calamities such as earthquakes, floods, and cyclones to man-made events like theft, burglary, riots, and strikes, this policy provides comprehensive coverage. This standalone own-damage policy cover by HDFC ERGO is specifically designed to provide affordable motor insurance solutions.

What is Own Damage Bike Insurance?

Your bike insurance is a shield against financial losses from vehicle damage. However, the extent of coverage largely depends on the specific policy you select. While the Motor Vehicles Act of 1988 mandates third-party cover for all vehicle owners, it only addresses liabilities towards third parties.

Hence, opting for own damage insurance for your bike broadens the protection scope to include accidents, fire, theft, burglary, natural disasters, and man-made calamities. To ensure coverage for repair expenses and part replacement costs, it's important to have a standalone own damage bike insurance policy in addition to the basic third-party plan.

Key Features

Let us take a look at some key features of HDFC ERGO own damage bike insurance policy:

  • Own Damage Coverage: HDFC ERGO own damage bike insurance policy protects your bike against theft, fire, accidents, natural disasters like floods and earthquakes, and any other insurable risks.
  • No Claim Bonus (NCB): When renewing your own damage bike insurance, you can enjoy NCB benefits if you haven't filed any claims throughout the policy period.
  • Budget-Friendly Premiums: The own damage bike insurance from HDFC ERGO ensures affordability without compromising on coverage.
  • Cashless Garages: You can benefit from HDFC ERGO's extensive network of over 2000+ garages, providing free repair and replacement services.
  • Optional Add-Ons: With HDFC ERGO's own damage bike insurance, you have the flexibility to choose from add-ons such as NCB protection, zero depreciation, emergency roadside assistance, and more.

How To Buy HDFC ERGO Standalone Own Damage Bike Insurance?

To purchase HDFC ERGO Bike own-damage insurance online, follow these steps:

  • Step 1: Go to the two-wheeler insurance section within the HDFC ERGO website.
  • Step 2: Input necessary details, including your mobile number, email address, bike registration number, city of registration, and registration year.
  • Step 3: Choose the HDFC ERGO standalone bike insurance policy from the available options.
  • Step 4: Personalise your coverage by selecting add-on options that align with your requirements.
  • Step 5: Complete the premium payment using debit or credit cards, net banking, or other convenient payment methods.
  • Step 6: Access your bike policy documents effortlessly as they are delivered directly to your email inbox.

Offline Process

Call customer support at 7551196989 or email to book a home visit from a relationship manager, who will guide you through the offline purchase process.

Add-Ons For HDFC ERGO OD Bike Insurance

When you opt for two-wheeler own damage insurance from HDFC ERGO, you gain access to a variety of add-ons such as no-claim bonus protection, zero depreciation, emergency roadside assistance, and more.

  • EV-Smart Add-Ons: These extra add-ons offer coverage for your battery charger and accessories, protect your electric motor, and provide a zero depreciation claim specifically for the battery charger.
  • Zero Depreciation Cover: With HDFC ERGO zero depreciation claim for the bike insurance, you'll be compensated for any depreciation when repairing the vehicle.

Documents Required to Buy HDFC ERGO Standalone Damage Bike Insurance

Please note that you require the below-mentioned documents to buy HDFC ERGO Standalone Damage Bike Insurance:

  • Proof of identity (Passport/Ration Card/Driving Licence/Aadhaar/Voter’s ID, etc.)
  • Proof of address (Voter’s ID Card/Passport/Aadhaar, etc.)
  • Registration Certificate (RC) of the bike
  • Recent passport-size photographs.
  • Old policy number, if required

How Does Standalone Own Damage Bike Insurance Policy Work?

Standalone own-damage insurance offers comprehensive protection for your vehicle against a range of perils, including accidents, theft, natural disasters, and fire. Premiums are calculated based on factors such as your bike's make and model, age, location, insured declared value (IDV), and any optional add-ons you select.

Generally issued for one-year terms, renewable annually, this insurance requires prompt notification and claim filing in case of damage or loss. Policyholders must provide details such as the incident's time, date, location, and nature to the insurer. After assessment, the insurer will determine the claim amount according to policy terms, arranging repairs at a network garage or providing compensation equivalent to repair costs. Renewal before the expiration date is crucial to maintain uninterrupted coverage.

HDFC ERGO Own Damage Bike Insurance Claim Process

How to File a Claim (Step-by-Step Process)

If you're in an accident and need to deal with damages, it can be tough. But you can make it easier by following these easy steps on InsuranceDekho's website to claim your standalone own damage insurance.

  • Step 1 - Start by getting in touch with us. You can reach us via our toll-free number at +91-7551196989 or send us an email at
  • Step 2 - After that, an InsuranceDekho agent will guide you throughout the claim settlement process.
  • Step 3: Follow the steps mentioned by the InsuranceDekho agent by providing him/her with all the necessary documents. With this, the claim settlement process will be hassle-free.

Documents Required

Listed below are the documents required to file a claim for standalone own damage Bike insurance:

Accidental Damage

  • Proof own damage bike insurance policy
  • Copy of Bike’s RC, and original tax receipts for verification
  • Police FIR report
  • Copy of your original driving licence
  • Damage repair estimate.
  • Payment receipts and repair bills

Theft Related Claim

  • Original copy of own damage insurance for bike
  • Theft endorsement from the concerned Regional Transport Office
  • Original RC Tax payment receipt
  • Service booklets/bike keys and the warranty card
  • Previous Two Wheeler Insurance Details like two wheeler insurance policy number, insurance company details and duration of the policy period
  • Police FIR/ JMFC report/ Final investigation report
  • An approved copy of the letter addressing the concerned RTO regarding the theft and declaring the bike as "NON-USE."

Damage Due to Fire:

  • Original own damage bike insurance policy documents
  • Soft copy of the Registration Certificate of the bike
  • Soft copy of the Driving License of the rider
  • Present evidence of the incident through photographs or videos
  • FIR (if required)
  • Report of the fire brigade (if any)

Claim Assistance

You can also seek help from InsuranceDekho by reaching out to us via email at Additionally, you can call us at +91-7551196989 to request an agent for an in-person visit.

Covered Vs Not Covered Under Under HDFC ERGO Standalone (OD) Bike Insurance Policy?


Listed below are the inclusions in HDFC ERGO’s standalone own damage insurance:

  • Accidents: When your vehicle is caught up in accidents, the resulting damages are covered by our policy.
  • Fire & Explosion: A sudden fire or explosion can damage your prized possession. Our policy ensures your finances do not get untouched by these events.
  • Theft: This policy cover can protect your finances by covering the losses incurred due to theft of your bike.
  • Calamities: Natural calamities are beyond one’s control, but this policy helps you recover your vehicle without causing a strain on your finances.


Listed below are the exclusions in HDFC ERGO’s standalone own damage insurance:

  • Third Party Liability: With standalone Own Damage Bike Insurance, damages to your bike are covered. Your third-party cover handles other liabilities.
  • Depreciation: Unfortunately, HDFC ERGO’s own damage policy doesn't cover general wear and tear or depreciation in your bike's value.
  • Electrical & Mechanical Breakdown: Any electrical or mechanical breakdowns aren't covered under this policy.
  • Illegal Driving: Engaging in illegal activities like riding under the influence or without a valid licence isn't covered under this policy.

Factors that Affect Your Own Damage Bike Insurance Premium?

It is important to consider these factors affecting standalone own damage insurance premiums:

  • IDV: The Insured Declared Value (IDV) plays a crucial role in calculating the Own Damage (OD) premium. However, overstating this value can have adverse effects.
  • Age of Bike: The age of your bike is another key factor affecting premiums. Older bikes typically incur higher premiums due to sustained wear and tear from regular usage.
  • NCB: No Claim Bonus (NCB) usually accompanies a higher premium. However, it offers the benefit of reducing subsequent premiums if no claims are made.
  • Bike Make Model: The make and model of your bike also influence premium calculation. Premiums are higher for higher-end bikes. Conversely, bikes equipped with more safety features often attract lower premiums as they are considered lower insurance risks.

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


HDFC ERGO Third Party Two-Wheeler Insurance

HDFC ERGO Standalone Own-Damage Two-Wheeler Insurance

HDFC ERGO Comprehensive Two-Wheeler Insurance


An HDFC ERGO third party two-wheeler insurance policy will take care of third party liabilities comprising bodily injuries, death and property damage.

AN HDFC ERGO standalone own-damage two-wheeler insurance policy will take care of only own-damage costs in the event of a mishap in many different scenarios.

An HDFC ERGO comprehensive two-wheeler insurance policy will take care of both own-damage costs and third party liabilities under a single premium.


HDFC ERGO third party two-wheeler insurance does not offer add-on covers.

HDFC ERGO standalone own-damage two-wheeler insurance offers several different add-on covers to choose from.

HDFC ERGO comprehensive two-wheeler insurance also offers a wide variety of add-on covers for customers to choose from.


HDFC ERGO third party two-wheeler insurance is their cheapest policy as it provides the most basic coverage.

HDFC ERGO standalone own-damage two-wheeler insurance is more expensive than third party insurance as it offers better coverage.

HDFC ERGO comprehensive two-wheeler insurance is the most expensive cover but offers holistic coverage for both own-damage and third party liabilities under a single premium.

Must Read Articles before buying Hdfc Ergo Bike Insurance

Hdfc Ergo Bike Insurance User Reviews

Write your review
What users are saying
  • All
  • Own Damage
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • 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
must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy# within 5 mins
  • More than 50 lakhs happy customers
  • Claim Support available all 7 days of the week

HDFC ERGO Bike Insurance Contact Details

For any assistance or query, call us on:

Bike Insurance News

Calculate your Two Wheeler IDV

#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.