Hdfc Ergo Bike Insurance FAQs

Yes. If you don’t have the policy number, you can renew the policy by entering the registered mobile number or e-mail address in the renew section of the official website of HDFC ERGO General Insurance. If the details of your policy are shown, you can confirm and proceed to renew the bike insurance.

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

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.

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 www.insurancedekho.com

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.

Does HDFC ERGO General Insurance provide Downtime protection cover?

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.

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.

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.

A zero depreciation cover helps you to save a lot of money that you have to bear for the normal wear and tear of the bike. Moreover, when you make a claim, the insurance company will reimburse the claim amount without any deduction for depreciation. The insurer compensates for repair or replacement of bike parts made of plastic, rubber, fibreglass and nylon without any depreciation charge. Hence, the purchase of a zero depreciation cover is definitely a wise decision.

You can buy the HDFC zero depreciation cover at the time of buying/renewing an HDFC Comprehensive bike insurance policy and HDFC Standalone Own-damage cover for bikes.

No, the HDFC ERGO Zero Depreciation does not provide coverage for total loss of the bikes. This policy does not include the case of total damage as well.

Yes, you can avail Zero Depreciation cover for the rubber and plastic parts of your bike. The insurer will bear the expense of repairing and replacing the parts made of rubber and plastics. Without the Zero Depreciation added to your policy, you will have to pay 50% as depreciation charge for rubber and plastic parts.

The bike insurance premium calculator will help you find the right premium amount for your plan, get the IDV of your bike, choose an affordable policy and make better decisions related to the bike insurance policy.

You need to fill up a few basic details like make of the bike, model of the bike, RTO location of the bike, registration year of the bike, and so on., to get the accurate amount of premium offered by the insurance company for a bike insurance plan.

There are several factors which affect the premium of a bike insurance policy which includes the age of the owner, No Claim Bonus (NCB), engine cubic capacity (cc) of the bike, anti-theft devices, Insured Declared Value (IDV), city of registration, association with automobile club, any modification made to the bike and many more.

You can get the best premium calculator to reckon the premium and IDV for your insurance policy at the website of InsuranceDekho, i.e., www.insurancedekho.com.

Yes, the premium calculator can be availed to compute the cost of policy premium for a new as well as old or used two-wheeler.

Yes, you will have to pay a little extra amount of premium in addition to the regular premium amount for your insurance plan to include the add-on cover in your plan and avail it.

No, it is not mandatory to opt for an add-on cover in your bike insurance policy. It is designed to enhance the coverage of your plan and to provide you with extended benefits, hence, owing to it or not is completely your choice.

You can add the add-on covers in your bike insurance plan either at the time of purchase or at the time of policy renewal.

Yes, you are free to include as many add-on covers as you want in your bike insurance cover based on your requirements and budget.

The HDFC ERGO General Insurance provides various types of add-on covers for its bike insurance plans which comprise Zero Depreciation Cover, No Claim Bonus Protection Cover, Emergency Assistance Cover, Return to Invoice Cover, Cash Allowance, Accessories Cover and Voluntary Deductible.

Yes, your HDFC ERGO bike insurance policy should be available for download immediately after the purchase is confirmed.

You typically need your policy number or registered email/phone number and password to log in and download your policy.

If you forget your login credentials, you can use the ‘Forgot Password’ feature on the login page to reset your password, or contact customer support for assistance.

Yes, you can print the downloaded PDF of your bike insurance policy to obtain a physical copy.

Yes, HDFC ERGO offers a mobile app available on both Android and iOS, where you can download your bike insurance policy.

The status of your policy, including its validity, will be mentioned in the downloaded policy document. You can also verify it through the HDFC ERGO website or app.

If you encounter any issues while downloading your policy, contact HDFC ERGO’s customer support through their helpline number or email for assistance.