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Written by Amit Jain

Updated Nov 02, 2020

HDFC ERGO Comprehensive Two-Wheeler Insurance Policy

HDFC ERGO Comprehensive bike Insurance policy is a package policy which insures your bike against third party liabilities as well as own-damages incurred by it.

Thus, the comprehensive bike insurance policy offered by HDFC ERGO General Insurance provides overall protection to the policyholder for his/her bike.

HDFC ERGO Comprehensive Bike Insurance vs Third Party Bike Insurance

Basis

Comprehensive Bike Insurance

Third Party Bike Insurance


Coverage

It provides coverage for third party liabilities as well as own-damages incurred by insured’s bike.

It only provides coverage for third party liabilities caused by insured’s bike.

Nature of Requirement

Comprehensive insurance policy is an optional but recommended policy.

Third party insurance is a mandatory requirement as per Indian Motor Tariff.

Add-ons

Policyholders can extend their coverage by opting for various add-ons like zero depreciation cover, roadside assistance, etc with this cover.

No add-on can be availed with this plan.

Premium amount

The policyholder needs to pay comparatively more premium because the coverage is relatively wider.

The policyholders have to pay relatively less premium in comparison because the coverage is limited.


What All Is Covered Under HDFC ERGO Comprehensive Bike Insurance Plan?

HDFC ERGO Comprehensive bike Insurance does not keep the policyholders limited with the coverage. Under comprehensive insurance policy can get both ‘Own Damage’ and ‘Third party’ coverage. It protects the policyholders against the following:

  • All third party liabilities - bodily injury, death and property damage (up to Rs. 1 lakh), arising out of an accident/mishap caused by the insured’s bike.
  • Own-damage incurred by the insured’s bike in the following scenarios:

- During travel by road, rail, water or air

- Natural calamities like earthquake, floods, etc

- Man-made disasters like riots, strikes, etc

- Fire/Explosions

- Theft of the vehicle

- Road accidents

What All Is Not Included Under HDFC ERGO Comprehensive Bike Insurance?

HDFC ERGO Comprehensive bike Insurance does not provide coverage for the following:

  • Depreciation - The comprehensive bike insurance policy by HDFC ERGO does not cover the expenses of normal wear and tear taking place in the bike.
  • Electrical and Mechanical Breakdown - Any kinds of electrical or mechanical breakdown remains uncovered in this cover.
  • Illegal practices - Your bike insurance becomes invalid if the damage is caused when the insured was travelling without a licence, or in an intoxicated state or in any activity against the law.

HDFC ERGO Comprehensive Bike Insurance Benefits

HDFC ERGO offers many exquisite benefits for its bike insurance policyholders such as:

  • Easy and Quick claim settlement process
  • Hassle-free driving experience with a peace of mind
  • Cashless claim facility at over 6,800 network garages
  • Attractive add-on covers so that policyholders can enjoy extensive coverage
  • 24 hours availability of customer support service with an instant solution to all the user problems.
Wish

Written by Amit Jain

Amit is an upcoming name in the motor industry be it new cars/ bikes or used ones. Amit in his last stint worked as a consultant for major Fortune 500 companies across the globe.&Read More

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Hdfc Ergo Bike Insurance User Reviews

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590 User reviews
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What users are saying
  • All
  • Comprehensive
  • Most Helpful
  • Zero Depreciation
  • Third Party
  • Own Damage
  • 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.

    Read More

    P
    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.

    Read More

    A
    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.

    Read More

    N
    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.

    Read More

    M
    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.

    Read More

    M
    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.

    Read More

    K
    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.

    Read More

    R
    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.

    Read More

    R
    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.

    Read More

    S
    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.

    Read More

    S
    By Satyam Kumar
    On: November 9, 2023
Hdfc Ergo Reviews

HDFC ERGO Comprehensive Bike Insurance FAQs

  • What are the add-on covers offered with HDFC ERGO Comprehensive bike Insurance policy?

    All add-on covers such as Zero depreciation cover, No Claim Bonus Protection, Emergency Assistance Cover, Return to Invoice, Engine & Gear Box Protector, Key Replacement cover, Cost of Consumable Items etc. can be availed with the HDFC ERGO comprehensive bike Insurance policy.

  • Does HDFC ERGO General Insurance provide Downtime protection cover?

    Does HDFC ERGO General Insurance provide Downtime protection cover?

  • Can I transfer from my current insurance plan to the comprehensive insurance plan at the time of renewal?

    You can easily transfer to a comprehensive plan from your current policy. Go to the official website of HDFC ERGO bike insurance and click on the ‘Renew Existing HDFC ERGO’ option. They will ask for your current policy number or the registered mobile number. After providing the details, you can proceed for renewal. At this stage, you can either choose your existing policy or opt for the comprehensive plan.

  • I have lost my bike keys. What should I do?

    If you have the Emergency Assistance cover added to your HDFC ERGO Comprehensive bike insurance policy, you don’t need to bother much. You can dial the toll-free number 022-6234-6234 and inform them. You will be provided with a spare key shortly. You can replace or make a new key and the insurer will cover the expenses.

  • How can I purchase the HDFC ERGO Comprehensive bike insurance policy?

    You can purchase the HDFC ERGO Comprehensive bike insurance policy in the three following ways:

    • Visit the nearest branch
    • Give a call at their toll-free number 022-6234-6234.
    • Visit the official website of HDFC ERGO General Insurance.
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