Two Wheeler Insurance Eligibility

  • Choose comprehensive packages as per your profile.
  • Optimized two wheeler insurance plans at customized prices.
  • Assured Services.
  • Instant online policy services.

Two Wheeler Insurance Benefits

  • You also get advantage of our 24x7 claim assistance and easy claim settlement process.
  • Zero Depreciation Cover available. 

Two Wheeler Insurance Features

  • Third Part Liability
    • Two Wheeler Insurance by HDFC ERGO also covers legal liability that may arise due to an injury or death of a third party or damage to property of a third party in case of an accident involving your scooter/motorbike.
  • Personal Accident Cover for Owner/Driver
    • The Two Wheeler Insurance policy also offers a compulsory Personal Accident Cover for the owner/driver for an amount of Rs. 1 lac which covers accidental death and total disability of the owner/driver.
  • Loss or Damage
    • Loss or damage caused due to any one of the following events.
    • Theft, burglary or house breaking.
    • Accident caused by external factors.
    • Terrorist activities, strikes, riots or a malicious act.
    • Natural calamities such as earthquakes, floods, storms, landslides etc
    • Transit by road, air, inland waterways etc.
    • Lightning, fire, explosions and self-ignorance

Two Wheeler Insurance Claim Process

  • For Accidental Damage to Insured Vehicle (Own Damage Claims):
    • Call our customer care Toll-free 1800-2-700-700 (Accessible from India only) if the vehicle meets ¬°with an accident and provide your policy number for reference and register the claim.
    • Alternatively, you can visit and register on IPO (available on website/Download IPO app on your smart phone) by providing personal details, link your policy and register your claim under "Claims" tab.
  • Please keep the following details handy while intimating a claim
    • Policy No.
    • Registration details/ RC
    • Drivers details at the time of accident including driving license number
    • FIR on a case to case basis
    • Repair estimate

Two Wheeler Insurance Exclusions

  • Wear and tear and general aging of the two wheeler.
  • Damage caused by a person without a valid driving license.
  • Failure or the vehicle, or mechanical or electrical breakdown.
  • Damage caused by a person who may be under the influence of alcohol or drugs.
  • Periodic depreciation or any consequential loss.
  • Loss/damage that may have caused due to war/nuclear risks/mutiny.
  • Damage caused to tires and tubes unless the two wheeler is damaged at the same time. In such case the liability of the company is restricted to only 50 per cent of the cost incurred on replacement.
  • Any loss or damage caused outside the geographical boundaries of India.