HDFC ERGO Two-Wheeler Insurance

Key features

• ✓Comprehensive and standalone third-party policies available
• ✓Quick online policy issuance with minimal documentation
• ✓Cashless repairs at large pan-India garage network
• ✓Personal Accident cover for owner-driver up to ₹15 lakh
• ✓Multiple add-on covers including Zero Depreciation and Engine Protector
• ✓No Claim Bonus up to 50% on renewal
• ✓24x7 customer support and claims assistance
• ✓Long-term 5-year third-party cover for new bikes (mandatory per IRDAI)

What’s included

• ✓Own damage from accidents and collisions
• ✓Theft of vehicle
• ✓Fire, explosion, self-ignition, lightning
• ✓Natural calamities (flood, cyclone, earthquake, storm)
• ✓Man-made calamities (riot, strike, terrorism, malicious acts)
• ✓Third-party bodily injury and death liability
• ✓Third-party property damage liability
• ✓Personal Accident cover for owner-driver

What’s excluded

• ✕Normal wear and tear and ageing of the vehicle
• ✕Mechanical and electrical breakdown
• ✕Damage when driving under influence of alcohol/drugs
• ✕Driving without a valid licence
• ✕Consequential loss
• ✕Damage outside the geographical area (India)
• ✕Use of vehicle other than declared

Eligibility

Min age

18 years

Covers

Self

Policy term

1-year comprehensive; 5-year long-term third-party mandatory for new bikes

IDV

Based on manufacturer listed selling price minus depreciation as per IRDAI grid

NCB

20% / 25% / 35% / 45% / 50% tiered