HDFC ERGO Bike Insurance
HDFC ERGO Bike Insurance
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HDFC ERGO Two Wheeler Insurance

HDFC ERGO General Insurance Company Limited was founded in 2002. The company is a joint venture between HDFC Ltd. and ERGO International AG (primary insurance entity of Munich Re Group). It is an ISO certified company since 2010 for its operations and services in Customer Experience Management and Claims Management. In 2013 and 2014, HDFC ERGO has been awarded the Best General Insurance Company in India by IAIR (International Alternative Investment Review).

HDFC ERGO Two Wheeler Insurance gives security to your bike or scooter against damage from uncertainties. It offers emergency roadside assistance along with various discounts to its customers. The company also provides a variety of two-wheeler covers inclusive of Single Year Comprehensive Two-wheeler Insurance, Standalone Motor Own Damage Cover (Two-wheeler), Long Term Comprehensive Two-wheeler Insurance and Two-wheeler Liability Only Insurance.



Mumbai, India

ICRA Rating


Number of Cities


Number of Employees


Number of Branches


**Last Updated on 05-11-2020

What Is The Renewal Process of HDFC ERGO Two Wheeler Insurance Policy?

Renew With HDFC ERGO General Insurance

  • Open the official website of HDFC ERGO Insurance.
  • Click on the 'Renew' tab given at the top of the page.
  • Tap on 'Bike/Scooter Insurance'.
  • Enter your policy number/mobile number/email id and click on the 'Renew Now' option. 
  • Check your policy and premium details.
  • Make the payment. Upon successful transaction, you will receive a confirmation for the same on your registered email id.

Renew With

  • Go to the top of this page and provide the details of your two-wheeler like bike make, RTO, etc. in the 'Compare Two-wheeler Insurance Quotes' section.
  • Choose the 'Renewal' option and select the expiration details of the existing policy.
  • Enter your basic details like name, city and mobile number.
  • Click on proceed and select HDFC ERGO Two-wheeler Insurance from the list of insurance providers.
  • Check the premium and other details of the policy, choose add-ons (if required).
  • Proceed with the payment. A confirmation receipt will be sent in your registered email address on successful completion.

Key Features & Benefits of HDFC ERGO Two Wheeler Insurance

6800+ Cashless Garages

If the two-wheeler repairs are done from any network garage authorised by the company, its expenditure will be directly managed by the insurer.

Unlimited Claims

There is no limit for making claims with the comprehensive two-wheeler insurance plan of HDFC ERGO.

Flexible Policy Term

The customer can buy two-wheeler insurance with flexible policy terms i.e. for 1/2/3 years.


You can earn No Claim Bonus through the on-time renewal of the policy and raising no claims during a policy year. A maximum discount of 50% can be gained as an NCB benefit.

Paperless Work

With online services provided by the company, you only have to upload a few documents online for buying and renewal of the policy.

24/7 Customer Support

The customer service team of HDFC ERGO is always there to assist you in case of any queries regarding the two-wheeler insurance policy.

HDFC ERGO Two Wheeler Insurance Premium Calculation

A two-wheeler premium calculator works with the help of certain factors such as the zone of registration, bike make & model, age of the two-wheeler, engine cubic capacity, etc.

Let us have a look at the following premium chart for various two-wheeler models as per the registration year 2020.

Bike Variant

Price of the Bike


Zero Depreciation

(Add On)*

Estimated Premium*

Yamaha Ray ZR 125 Drum (125 cc)

Rs. 80,486

Rs. 42,624


Rs. 926

Honda SP 125 Drum (124 cc)

Rs. 86,996

Rs. 49, 569


Rs. 1,126

CF Moto 300NK (292.4 cc)

Rs. 2,60,742

Rs. 1,41,237


Rs. 3,249

Vespa Urban Club BS VI (125 cc)

Rs. 1,08,521

Rs. 64,016


Rs. 1,541

Table Data updated on 05-11-2020

**The values are calculated on the basis of Delhi city.

What Are the Add-On Covers Under HDFC ERGO Two Wheeler Insurance?

Zero Depreciation: Using this add-on cover, the customer can enjoy zero deductions in the claim amount for the depreciated parts of the two-wheeler like plastic, metal, rubber, etc. The battery costs and tyres are not covered under this add-on.

Emergency Assistance Cover: Under this add-on cover, the policyholder can ask the company for assistance in various emergencies like minor repairs on-site, fuel delivery, towing, tyre replacement, lost key assistance, etc. This cover can be purchased if you have a single-year comprehensive policy.

What Is The Claim Settlement Process of HDFC ERGO Two Wheeler Insurance?

Cashless Claim Settlement

  • Intimate Insurer & Find Garage: The owner of the two-wheeler should first find a nearby network garage and move/tow the damaged two-wheeler. The customer can also reach to HDFC ERGO by calling on the toll-free number to locate the nearest authorised garage and inform them about the incident.
  • Examination of Damages: An administrator from the company will be assigned to check the real losses of the two-wheeler. The expenses will be paid according to this inspection.
  • Submit Relevant Documents: The two-wheeler owner must deposit all the requested documents including the claim form. For events like accidents, the two-wheeler owner must also collect details like third-party contact, witness contacts, photos of the accident, etc.
  • Track Your Claim: The customers will be informed about their claim status on every stage through SMS or emails.
  • Claim Payment: After the two-wheeler is repaired, the company will pay the admissible amount directly to the garage. 

Reimbursement Claim Settlement

  • Claim Notification: In case of repairs done from a non-network garage, settle the bills and reach out to the company to file a claim.
  • Assessment of Losses: The insurer will send a surveyor for two-wheeler inspection. The whole loss is scrutinized by the surveyor who will pass the claim for payment.
  • Submit Relevant Documents: Collect bills/receipts of repairs from the garage and submit it along with necessary documents to the insurer. 
  • Claim Processing: The company will initiate the process of claim settlement after everything depicted above is completed.
  • Track Claim Status: You will get step by step information of the claim by SMS and email.
  • Payment of Claim: The claim payment is settled through cheque or NEFT (whatever option has been opted by the owner of the two-wheeler).

Documents Required During Claim

  • Policy Documents.
  • FIR (First Information Report), if required.
  • Insured's name and contact details.
  • Driving License.
  • RTO certificate, if any.
  • Vehicle Registration Certificate.
  • Address of the place where the two-wheeler is available for inspection.

Contact Details

HDFC ERGO General Insurance Company

Registered & Corporate Address: HDFC ERGO General Insurance Company Limited, 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020.

Customer Service Address: HDFC ERGO Insurance Company Limited, D-301, 3rd Floor, Eastern Business District ( Magnet Mall), LBS Marg, Bhandup (West) Mumbai-400078

Telephone: 022-62346234, 022 6234 6234, 0120 6234 6234;

1800 2666 400 (toll-free)

Email: (For any queries or complaints regarding your two-wheeler insurance policy)

Chat with your virtual assistant “DIA” by visiting the official website of HDFC ERGO General Insurance.

Registered Office Address: PolicyX.Com Insurance Web Aggregator Private Limited, 1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.

Email: (For assistance & complaints) (For any Sales query)

Toll-Free Number: 1800-4200-269

HDFC ERGO Two-wheeler Insurance: FAQs

1. What is CPA in HDFC ERGO Two-wheeler Insurance? What if I don't want it?

CPA, i.e., Compulsory Personal Accident cover is for the owner/driver of the two-wheeler in a two-wheeler insurance policy. It is mandated as per Supreme Court norms of India and a claim may be rejected without CPA.

2. While renewing my expired HDFC ERGO two-wheeler insurance policy, what will happen with the No Claim Bonus earned?

The No Claim Bonus (NCB) is valid until 90 days from the date of expiry of the previous policy. The NCB will become 0% and no benefit will be passed on to the renewed policy if the policy is not renewed within 90 days.

3. Does the HDFC ERGO personal accident cover will be applicable even when I am outside the country?

Yes, the cover will be applicable even when you are outside the country and shall be payable in 'Indian Rupees' only in case of a claim.

4. What benefits will I get in case of permanent disability or broken bones due to an accident under the HDFC ERGO Two-wheeler Insurance policy?

The policy will provide 50% compensation in case of permanent disability or broken bones due to an accident.

Last updated on 05-11-2020