HDFC ERGO Bike Insurance Claims

With a Claim Settlement Ratio of 100% for the FY 2022-23, the HDFC ERGO General Insurance Company has pre-defined its popularity among their two-wheeler insurance customers. The company also offers 24-x7-customer assistance so policyholders can easily claim their two-wheelers.

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Documents Required During Bike Insurance Claims Settlement

Here is a list of mandatory documents required at the time of raising claims for an HDFC bike insurance policy in case of accident, theft, and third-party damages-

  1. For Personal Accident Claims

    • Duly filled & signed claim form
    • Valid two-wheeler insurance policy
    • Registration Certificate (RC)
    • Driving License (DL)
    • FIR report
    • Original tax receipts
    • Estimate cost of repairs
    • Bills or payment receipts
  2. For Theft Claims

    • Similar documents are required for raising claims in case of an accident
    • Duly filled and signed form no. 26, 28, 29, 30 and 35
    • No Trace Report of the stolen two-wheeler issued from the police
    • Theft declaration from RTO (Regional Transport Office)
  3. For Third-party Claims

    • Duly filed and signed claim form
    • Valid two-wheeler insurance policy
    • Registration Certificate (RC) of the vehicle
    • Driving License (DL)
    • FIR report

HDFC ERGO Bike Insurance Claim Process Online

To raise claims under your HDFC bike insurance online, you can follow the below steps-

Step 1: Register your claims online by downloading, filling, and signing the claim form available on the insurer's official website or

Step 2: Upload the supporting documents asked the insurance company.

Step 3: The insurer will send a surveyor to assess the damages caused to the insured bike and calculate the extent of loss to prepare an assessment report.

Step 4: Send your bike to an authorized network garage once you get approval from the insurer.

Step 5: Repair your two-wheeler and get the claim amount directly in your bank account in case of the reimbursement process. However, if you have chosen a cashless process, the insurer will directly settle the bill with the authorized garage.

Common Reasons for HDFC ERGO Bike Insurance Claim Rejections

There are some common conditions where the insurance provider rejects your HDFC ERGO bike insurance claims. To give you better insights, here are some common grounds on which bike insurance claims can be rejected-

  • Violation of traffic rules
  • Act of negligence
  • Fraudulent activities while raising claims
  • Not having relevant and sufficient supporting documents
  • Delay in informing about the incident to the insurer
  • Loss/damage caused while driving under the influence of alcohol or drugs
  • Carrying invalid or inactive DL, RC, or two-wheeler insurance policy.

HDFC ERGO No Claim Bonus in Bike Insurance Policy

When you purchase a comprehensive or standalone own-damage policy, you can receive the benefits of a No Claim Bonus (NCB) for every claim-free year. An NCB is a reward given to the policyholder for driving safely and not raising claims. The cumulative bonus (NCB) can go up to 50% in the fifth consecutive year. 

However, if you submit a minor claim, your cumulative bonus (NCB) will become zero. Hence, it is advised to refrain yourself from filing claims for minor dents or small damages.

Here is a table showing how a No Claim Bonus (NCB) works for you-

No. of Claim-free Years No Claim Bonus (in percentage)
For 1st year  20%
For consecutive 2nd year 25%
For consecutive 3rd year 35%
For consecutive 4th year 45%
For consecutive 5th year 50%

FAQs for HDFC ERGO Bike Insurance Claim

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 55 Reviews)

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HDFC ERGO Bike Insurance Claims Reviews & Ratings

4.4 / 5 (Based on 55 Reviews)
(Showing Newest 10 reviews)
Habra, January 29, 2021
Easy to Renew
The two wheeler insurance policy for my TVS Apache bike was getting expired. I decided to give Policybazaar a try and was happy with the services they offered. I only had to enter a few details and my policy was renewed within no time. Even the payment was made online which made the process convenient. Recommend to all.
Trichy, January 29, 2021
Impressive Services
I was looking to buy two wheleer insurance for my Bajaj Pulsar bike. My sister suggested to try Policybazaar and I was happy with the plan options they had. I was able to choose HDFC ERGO plan as it suited my budget and offered my preferred coverage. The premium was easily paid online and I received my policy quickly. Happy with the services.
J.n.prasad, January 29, 2021
Faster Process
I recently purchased an HDFC ERGO two wheeler insurance at Policybazaar for my TVS Jupiter scooty. They had several options from different insurance companies. I could compare them all based on their premium and the coverage benefits. I found HDFC ERGO most suitable and purchased it within a few minutes.
Aallapalli, July 02, 2020
24 hours policy
Recently, I purchased the two wheeler policy from policybazaar and it was immediate basis. Everything was done vey quickly and within a day my policy related work was done.
Faizabad, July 01, 2020
I want to share my experience with hdfc ergo and policybazaar. Both the companies are very good with respect to plans and services.
Adoor, June 30, 2020
I purchased the two wheeler policy from policybazaar and they are very transparent to their work. They told me each and every thing related to the policy. I am happy.
R.g.pur, June 29, 2020
Great Coverage
The coverage and the benefits provided in the policy is very nice. It covers major things which actually a policyholder wants.
Agartala, June 29, 2020
Easy and quick renewal
I like the system of renewal of policy. It was real quick. And also I got the notifications from policybazaar for the renewal.
Chabhal, June 21, 2020
Pay online
With the help of digitization I can purchase the policy from anywhere and I can make the payment at anytime. Thanks team.
Machalisahar, June 21, 2020
Low prices
As I searched for the two wheeler policy plan from policybazaar website I came to know that it provide low premium rate. Compared and found best plan.