Hdfc Ergo Third Party Bike Insurance

HDFC ERGO Bike Insurance

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HDFC ERGO Third Party Bike Insurance

A third party bike insurance is the most basic insurance policy offered by HDFC Ergo General Insurance for bikes. As per the Indian Motor Tariff, a bike owner is mandatorily required to have at least a third party insurance policy. It insures the policyholder against all third party liabilities which may arise due to any mishap involving the insured’s bike.

HDFC Ergo Third Party bike Insurance vs Comprehensive bike Insurance Policy


Third Party



A third party insurance cover takes care of all the legal liabilities arising out of an unforeseen event towards a third party.

A comprehensive bike insurance plan takes care of both legal liabilities as well as own damage incurred by the insured’s bike.

Add-on covers

No add-on covers can be availed with a third party bike insurance policy.

All add-on covers such as Zero Depreciation, Engine Cover, Emergency Assistance, etc, can be availed with a comprehensive bike insurance policy.

Nature of requirement

It is a statutory requirement.

It is an optional but recommended policy.


It is comparatively cost effective because it offers limited coverage.

It is comparatively expensive because it provides extensive coverage.

What All is Covered Under HDFC Ergo Third Party bike Insurance Plan?

A third party bike insurance policy by HDFC Ergo provides coverage for the following:

  • The plan provides coverage for death/bodily injuries incurred by a third party due to any mishap involving the insured’s bike. The amount of compensation in such cases is decided by a court of law.
  • The plan also provides coverage for property damage incurred by a third party to an extent of Rs. 1 lakh.

HDFC ERGO Bike Insurance User Reviews

145 reviews Write a Review
  • Zero Documentation Charges

    I renewed HDFC ERGO two wheeler insurance from for my Activa and I was too happy with their zero documentation charges and less pre...

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    Anuj Singla
    On: July 1, 2020 | Views
  • Quick Service

    I got renewed my Third Party insurance for my Passion Pro online from InsuranceDekho it was so time saving and easy. I am so happy with the service.

    Prashant Gupta
    On: June 30, 2020 | Views
  • Best Insurance Policy

    Two wheeler insurance is very much important as any other one. I have an insurance policy from InsuranceDekho for my Hero Destini 125. Policy coverage...

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    Raunak Govind
    On: June 29, 2020 | Views
  • Instant renewal process

    I got my IFFCO Tokio insurance policy renewed at InsuranceDekho platform in just two steps. I purchased the plan for my Hero Destini 125 bike.

    Nikhil Prasad
    On: June 26, 2020 | Views
  • Instant issuance procedure

    The InsuranceDekho platform issues policy in a few minutes. It issued me an HDFC ERGO plan that I bought to secure my TVS Star City Plus bike, in no t...

    Read More
    Udit Upadhyay
    On: June 25, 2020 | Views

HDFC Ergo Third Party bike Insurance FAQs

  • Why should I buy Third Party bike insurance?

    You should buy the Third Party bike insurance because the Indian Motor Tariff has made it mandatory for all bikes in India. The HDFC Ergo bike insurance will protect you against all third party liability.

  • What amount can be availed in case of any property damage of the third party?

    In case of any property damage, the HDFC Ergo Third Party bike insurance policy will provide coverage upto Rs. 1 lakh.

  • Will my third party bike insurance cover all kinds of damages in every situation?

    A third party bike insurance has some conditions when it comes to coverage. The policy does not provide coverage under these following circumstances-

    • Accident occurred outside the geographical arena mentioned in the policy
    • Bike driven by someone else other than insured
    • Driving in intoxicated state
    • Bike engaged in iIlegal practices
    • Intentional damage etc.
  • Can I buy HDFC Ergo third party bike policy online?

    Yes, you can buy an HDFC Ergo third party bike policy online. You can get the policy online from either HDFC Ergo General Insurance’s official website or at

  • Can I stretch the coverage offered by HDFC Ergo Third Party bike Insurance?

    Unfortunately, you cannot stretch the coverage offered by HDFC Ergo Third Party bike insurance. It will only provide for third party liability. For extensive coverage you can opt for the HDFC Ergo Comprehensive bike insurance policy.

HDFC Ergo Bike Insurance Contact Details

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