Dhfl Bike Insurance FAQs

COCO by DHFL offers two wheeler insurance plans which are thoughtful, affordable and hassle-free. It provides all-round protection to the policyholder. It has the following features:

• Affordable bike insurance plans.
• Paperless process.
• More than 12 add-on covers.
• Instant policy with digital process.
• Transfer of full No-claim Bonus.
• Instant self-inspection with online facility.

There are various add-on covers available with DHFL two wheeler insurance such as DHFL two wheeler insurance, Zero Depreciation cover, Road Side Assistance cover, Engine Protection Cover, etc. These add-ons cover helps the policyholders to enhance their coverage.

The premium amount that the policyholder needs to pay for DHFL Two wheeler Insurance is determined based on factors such as:

• Insured Declared Value of the vehicle
• Age of the two wheeler
• Engine Capacity, etc

Yes, the policyholders can get cashless repair and replacement services for their two wheeler at more than 400 authorised garages of DHFL General Insurance across the nation. You can locate the nearest network garage by adding your location in the option available on the official website of DHFL General Insurance.

There are different ways to get a two wheeler insurance policy from DHFL General Insurance. You can either visit the nearest branch/contact the DHFL General Insurance customer care by calling the toll-free number 1800 22 3435 or you can visit their official website/Insurancedekho.com and buy the plans.

You require the following documents for buying the DHFL third party bike insurance policy:

• Photo ID proof and address proof (Aadhar card, Voter Id, PAN Card or Passport)
• The Copy of the valid driving license
• The registration number of bike
• The RC certificate.

No, DHFL third party bike insurance policy does not cover the damage of the insured’s bike under any circumstances even in riots.

No, you cannot stretch the coverage of the DHFL third party bike insurance policy as it does not provide the options of the add-ons. It gives the basic coverage. However, for the extensive coverage, you can opt for the comprehensive bike insurance policy.

The insurer provides 100% of the assured amount as compensation in case of permanent total disablement of the third party caused due to an accident with the insured’s bike.

You can easily get the quote of DHFL third party bike insurance policy online. You have to go to their official website. Then fill in the vehicle number of your bike and click on “NEXT”. You can also opt to use the “Get your Quotes” feature of Insurance Dekho.

The DHFL comprehensive bike insurance policy offers the following add-on covers:

• Consumable cover
• Roadside Assistance
• Zero Depreciation
• Engine Protection
• Accidental Hospitalization
• Hospital Cash
• EMI Protector
• Outstanding Loan Protector
• NCB (No Claim Bonus) Secure
• Enhanced Owner Personal Accident (PA)
• Enhanced Pillion Rider Personal Accident (PA)

DHFL comprehensive bike insurance policy offers the following discounts on the premium amount.

• Voluntary deductible
• Discount for anti-theft device
• No Claim Bonus can be availed (if you do not make a claim during the policy period)
• Automobile Association discount
• Up to 38% discount on premium for a long term policy

You can customize the DHFL comprehensive bike insurance plan in the following ways:

• By opting for add-on covers as per your preference to stretch the coverage
• By opting for the desired tenure of the policy.

You can choose the add-on covers as per your preference and add it to your DHFL comprehensive bike insurance policy at the time of purchase, in the middle of the tenure and at the time of renewal of the policy.

The DHFL comprehensive bike insurance provides coverage for damage which occurs while the bike is in transit. This includes transit by air, road, waterway, elevator, etc.

Yes, the Zero Depreciation add-on provides coverage for the plastic parts of the insured’s bike. The rate of depreciation for plastic parts without the Zero Depreciation charge is 50%, but in presence of the Zero Depreciation cover, the depreciation charge is not taken into account.

Yes, the premium increases by 15-20% for opting DHFL Zero Depreciation cover along with the standalone or comprehensive bike insurance policy.

Yes, it is beneficial to opt for Zero Depreciation cover for a luxury bike as it helps to prevent financial expenditure on expensive depreciable parts of the bike.

DHFL Zero Depreciation cover provides coverage for the repair of the following bike parts:

• Rubber
• Nylon
• Plastic
• Fibre glass

No, opting for a Zero Depreciation cover does not ensure full claim amount as deductibles are factorized while calculating the claim amount. Zero Depreciation waivers only the depreciation charges ensuring maximum claim amount.

Yes, if you are looking for a claim settlement due to the theft of the insured’s bike, you have to get the Registration Certificate transferred in the name of the company, hand over the keys of the vehicle, submit a letter of Subrogation and Indemnity on stamp paper duly notarized.

Yes, you need to carry your driving licence while claiming DHFL bike insurance policy. You should make sure that the driving licence is valid.

If the accident had occurred before the expiry date, you can make a claim to your insurer even after the expiry of the insurance policy. The insurer is obliged to settle the claim as the mishap had occurred in the policy period.

Every policy has its predetermined geographical limit. If the accident has occurred within the geographical limit as stated in the DHFL bike insurance policy documents, you can surely register a claim even if the location of the accident is beyond the city limits.

DHFL General Insurance settles the bike insurance policy claim within 7 working days after receiving all the requested documents.

Yes, you can stretch or shorten the tenure of your DHFL bike insurance policy at the time of renewal as per your preference.

Yes, the personal details can be updated at the time of the renewal of the DHFL bike insurance policy.

Yes, you can opt for the add-on covers at the time of renewal of the DHFL bike insurance policy. However, the charges for the add-ons will be added to the premium of your policy

Yes, the DHFL bike insurance policy can be renewed 7 days prior to the expiry date. However, one can renew the policy after the expiry date as well. The renewal should be done within 90 days of the expiration to avoid penalty.

Yes, the benefits of the No-Claim Bonus can be availed at the time of the renewal of the DHFL bike insurance policy if no claim was made during the policy period.