HDFC ERGO Third-party Bike Insurance Policy

Third-party bike insurance is the primary and mandatory two-wheeler insurance policy HDFC ERGO General Insurance Company offers. This policy covers the cost of damages caused to the third party by an insured bike in a road accident. Moreover, as per the Indian Motor Tariff, holding at least a third-party policy for all motor vehicle owners is compulsory.

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Benefits of Buying HDFC ERGO Third-party Bike Insurance Policy

Despite its limited coverage, there are several benefits of HDFC ERGO third-party bike insurance, which are explained below-

  • Firstly, it provides legal and financial assistance by covering the policyholder's liabilities in the event of bodily injury, death, or property damage caused to a third party.
  • The third-party bike policy is easy to purchase and renew online, saving time and avoiding hassle.
  • It is also cost-effective, offering affordable premiums while providing essential legal and financial support in times of crisis.

HDFC ERGO Third-party Versus Comprehensive Bike Insurance Policy

To give you an insight about how third party is different from comprehensive bike insurance policy, here is a table-

Point of Basis Third-party Bike Insurance Comprehensive Bike Insurance
Coverage Covers third-party financial and legal liabilities Covers both own-damage and third-party liabilities
Add-on Covers Unavailable Available
Nature of Requirement Mandated by law Optional cover
Insurance Premium Affordable Relatively expensive as it gives extensive coverage

Inclusion of HDFC ERGO Third-party Bike Insurance Policy

The HDFC ERGO third-party bike insurance policy offers coverage to the policyholders in the following instances-

  • Coverage for personal damages to third parties, such as bodily injuries or death caused in an accident, which involves the insured's two-wheeler.
  • Coverage for property damage incurred by a third party, up to Rs. 1 lakh.

Exclusions of HDFC ERGO Third-party Bike Insurance Policy

The third-party bike insurance plan is an essential & mandatory coverage, which does not offer any coverage to its policyholder in the following cases-

  • No coverage for the own damages to the insured two-wheeler.
  • No coverage if the policyholder is caught driving without a valid license or under the influence of alcohol.
  • No coverage for incidents occurring outside the geographical scope of the policy.
  • No coverage for damages caused by riots, vandalism, war, or radioactive contamination

FAQs about HDFC ERGO Third-party 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 Third-party 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.