HDFC ERGO Comprehensive Bike Insurance

Benefits of HDFC ERGO Comprehensive Bike Insurance Policy

The HDFC ERGO comprehensive bike insurance policy offers you both 'Own Damage bike insurance' and 'HDFC Ergo third party insurance' coverage in a single policy. Hence, this policy acts as an extensive protection shield from several damages, including loss/damage due to theft, fire, total loss, natural calamities, and man-made disasters.

Additionally, you can enhance the policy coverage by purchasing several add-ons of your precious possession.

Difference between HDFC ERGO Comprehensive & Third-party Bike Insurance

The following table states the difference between comprehensive and third-party bike insurance policies offered by HDFC ERGO General Insurance Company-

HDFC ERGO Comprehensive Bike Insurance Plan Coverage

An HDFC comprehensive bike insurance protects the policyholders against the following instances-

• Covers third-party liabilities, including bodily injury, death and property damage caused by the insured's bike.
• Damages due to fire, explosion, lighting, or self-ignition.
• Loss caused by natural calamities like earthquakes, floods, etc.
• Loss or damages caused by man-made disasters like riots, strikes, etc.
• Coverage for the theft of the vehicle.
• Damages caused to the insured bike in road accidents.

Exclusions of HDFC ERGO Comprehensive Bike Insurance

HDFC ERGO comprehensive bike insurance does not provide coverage for the following instances-

• Loss or damage due to depreciation.
• Loss or damage due to mechanical/electrical breakdown.
• Damages were caused when the insured was driving without a valid DL, RC, PUCC, and two wheeler insurance.
• Damages are caused when the insured is driving in an intoxicated state.
• Any consequential losses.

*Disclaimer- Kindly refer to the policy wordings to understand the exact policy coverage.

FAQs about HDFC ERGO Comprehensive Bike Insurance