HDFC ERGO Comprehensive Bike Insurance Policy
- Claim Settlement Ratio 89.48% for FY 2018-19
- More than 6,800 Cashless garages
- 24*7 Customer Support Available
- Provides customized corporate plans
- Offices in 106+ Indian cities
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HDFC ERGO Comprehensive Two-Wheeler Insurance Policy
HDFC ERGO Comprehensive bike Insurance policy is a package policy which insures your bike against third party liabilities as well as own-damages incurred by it.
Thus, the comprehensive bike insurance policy offered by HDFC ERGO General Insurance provides overall protection to the policyholder for his/her bike.
HDFC ERGO Comprehensive Bike Insurance vs Third Party Bike Insurance
Basis | Comprehensive Bike Insurance | Third Party Bike Insurance |
Coverage | It provides coverage for third party liabilities as well as own-damages incurred by insured’s bike. | It only provides coverage for third party liabilities caused by insured’s bike. |
Nature of Requirement | Comprehensive insurance policy is an optional but recommended policy. | Third party insurance is a mandatory requirement as per Indian Motor Tariff. |
Add-ons | Policyholders can extend their coverage by opting for various add-ons like zero depreciation cover, roadside assistance, etc with this cover. | No add-on can be availed with this plan. |
Premium amount | The policyholder needs to pay comparatively more premium because the coverage is relatively wider. | The policyholders have to pay relatively less premium in comparison because the coverage is limited. |
What All Is Covered Under HDFC ERGO Comprehensive Bike Insurance Plan?
HDFC ERGO Comprehensive bike Insurance does not keep the policyholders limited with the coverage. Under comprehensive insurance policy can get both ‘Own Damage’ and ‘Third party’ coverage. It protects the policyholders against the following:
- All third party liabilities - bodily injury, death and property damage (up to Rs. 1 lakh), arising out of an accident/mishap caused by the insured’s bike.
- Own-damage incurred by the insured’s bike in the following scenarios:
- During travel by road, rail, water or air
- Natural calamities like earthquake, floods, etc
- Man-made disasters like riots, strikes, etc
- Fire/Explosions
- Theft of the vehicle
- Road accidents
What All Is Not Included Under HDFC ERGO Comprehensive Bike Insurance?
HDFC ERGO Comprehensive bike Insurance does not provide coverage for the following:
- Depreciation - The comprehensive bike insurance policy by HDFC ERGO does not cover the expenses of normal wear and tear taking place in the bike.
- Electrical and Mechanical Breakdown - Any kinds of electrical or mechanical breakdown remains uncovered in this cover.
- Illegal practices - Your bike insurance becomes invalid if the damage is caused when the insured was travelling without a licence, or in an intoxicated state or in any activity against the law.
HDFC ERGO Comprehensive Bike Insurance Benefits
HDFC ERGO offers many exquisite benefits for its bike insurance policyholders such as:
- Easy and Quick claim settlement process
- Hassle-free driving experience with a peace of mind
- Cashless claim facility at over 6,800 network garages
- Attractive add-on covers so that policyholders can enjoy extensive coverage
- 24 hours availability of customer support service with an instant solution to all the user problems.
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HDFC ERGO Comprehensive Bike Insurance FAQs
What are the add-on covers offered with HDFC ERGO Comprehensive bike Insurance policy?
All add-on covers such as Zero depreciation cover, No Claim Bonus Protection, Emergency Assistance Cover, Return to Invoice, Engine & Gear Box Protector, Key Replacement cover, Cost of Consumable Items etc. can be availed with the HDFC ERGO comprehensive bike Insurance policy.
Does HDFC ERGO General Insurance provide Downtime protection cover?
Does HDFC ERGO General Insurance provide Downtime protection cover?
Can I transfer from my current insurance plan to the comprehensive insurance plan at the time of renewal?
You can easily transfer to a comprehensive plan from your current policy. Go to the official website of HDFC ERGO bike insurance and click on the ‘Renew Existing HDFC ERGO’ option. They will ask for your current policy number or the registered mobile number. After providing the details, you can proceed for renewal. At this stage, you can either choose your existing policy or opt for the comprehensive plan.
I have lost my bike keys. What should I do?
If you have the Emergency Assistance cover added to your HDFC ERGO Comprehensive bike insurance policy, you don’t need to bother much. You can dial the toll-free number 022-6234-6234 and inform them. You will be provided with a spare key shortly. You can replace or make a new key and the insurer will cover the expenses.
How can I purchase the HDFC ERGO Comprehensive bike insurance policy?
You can purchase the HDFC ERGO Comprehensive bike insurance policy in the three following ways:
- Visit the nearest branch
- Give a call at their toll-free number 022-6234-6234.
- Visit the official website of HDFC ERGO General Insurance.
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