HDFC ERGO Comprehensive Bike Insurance Policy

HDFC ERGO's comprehensive bike insurance policy is a complete package that protects your bike from several unforeseen risks, including third-party liabilities in a road accident. With it, you can also buy add-on covers to enhance the policy coverage.

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Benefits of HDFC ERGO Comprehensive Bike Insurance Policy

The HDFC ERGO comprehensive bike insurance policy offers you both 'Own Damage' and 'Third Party' 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-

Point of Basis Comprehensive Bike Insurance Third-party Bike Insurance
Type of coverage Offers broader coverage as own damages & third-party damages are covered. Only covers third-party liabilities caused by insured’s vehicle.
Add-on covers Multiple add-ons like emergency roadside assistance, zero depreciation cover, etc. available. Add-ons are not available.
Premium amount A little expensive as it gives wider coverage than usual. Affordable than comprehensive plan as it offers limited coverage.
Nature of requirement Not mandatory Mandated by law

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 bike insurance policy.
  • 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

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 Comprehensive Bike Insurance Policy 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.