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Calculate Your Bike Insurance Price Online

Select your bike brand

  • Honda
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Which city is your bike registered in?

  • New Delhi
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When did you buy your bike?

Disclaimer: Actual Premium might vary basis your location, age and number of members

What is a Bike Insurance Premium Calculator?

A bike insurance premium calculator is an online instrument designed to help you find the correct amount of premium for HDFC ERGO bike insurance plan. To get the accurate premium cost, you are required to fill up some basic details such as the make of your bike, model of your bike, RTO location of your bike, registration year of your bike, etc. On entering these details, the calculator will display the right premium amount of your bike insurance policy.

How to Use a Two-Wheeler Insurance Premium Calculator?

Step 1: Choose the Make, Model, Variant and Fuel Type of your bike.

Step 2: Choose the City of Registration and Year of Purchase of your bike.

Step 3: Tell us, if you have made any claim request in the previous policy term.

Step 4: Click on the ‘Calculate’ button and get the right IDV and premium for your bike insurance plan.

Benefits of Two-Wheeler Insurance Premium Calculator

  1. Correct Insured Declared Value (IDV) - The bike insurance premium calculator helps you find the correct and appropriate IDV as per the make, model and age of your bike. The right IDV shows you the real market value of your bike that you can get as compensation from the insurance company in the event of theft or total loss.
  2. Right Premium Amount - The main objective of this bike insurance calculator is to find the right premium amount for your bike insurance plan. With the right premium amount offered under different policies, you can compare and choose the best-priced policy for your bike.
  3. For Better Decision Making - With the help of a premium calculator, you can compare the bike insurance policy quotes of different insurance providers. After going through them, you can make right buying decisions without any hassle.
  4. Select Affordable Deals - The accurate premium costs of various bike insurance plans calculated with this calculator can help you make easy comparisons to choose the most relevant and cost-efficient bike insurance policy quotes available in the market.

Third Party Two-Wheeler Insurance Premium Rates

Engine Capacity

Premium To Buy A New Policy (5-Year Plan)

Premium To Renew Existing Policy (1-Year Plan)

Not exceeding 75 cc

Rs. 1,045

Rs. 482

Exceeding 75 cc but not exceeding 150 cc

Rs. 3,285

Rs. 752

Exceeding 150 cc but not exceeding 350 cc

Rs. 5,453

Rs. 1,193

Exceeding 350 cc

Rs. 13,034

Rs. 2,323

(Source: Insurance Regulatory and Development Authority of India (IRDAI))

Premium for Comprehensive and Standalone Own-Damage Bike Insurance Plans

Several factors determine the cost of premium for standalone own-damage and comprehensive bike insurance policies such as make, model, and the variant of the bike, age of the bike owner, his or her profession and driving history, age of the bike, fuel type of the bike, registration location of the bike, cubic capacity of engine, etc. Following are some key factors that can influence the premium of your bike insurance policy computed through premium calculator:

Factors Which Determine Two-Wheeler Insurance Premium

  1. Insured Declared Value (IDV) - The Insured Declared Value of the bike is the amount that the insurer pays off to the owner of the bike in case of theft or total loss. Therefore, the higher the IDV will be, the higher will be the premium.
  2. Engine’s Cubic Capacity - The cubic capacity of the engine of the bike also affects the premium amount. The bike with higher cubic capacity consumes more consumables, thus, charged with the higher premium for its insurance policy.
  3. No Claim Bonus (NCB) - The No Claim Bonus (NCB) is the discount, generally ranges from 20% up to 50%, that a policyholder is entitled to receive for not making any claim in the previous policy year and get its policy premium reduced.
  4. Anti-Theft Devices - The anti-theft devices installed in the bike reduces the possibility of theft, which lessens the risk for the insurance providers. Hence, bikes with anti-theft devices are charged with a lower amount of premium.
  5. Age of the Owner - The age of the owner of the bike affects the bike insurance premium too. It is assumed that an older age individual will drive the bike more responsibly than a younger rider. Hence, the former is charged with lower premium than the latter.

Explore Hdfc Ergo Bike Insurance

Must Read Articles before buying Hdfc Ergo Bike Insurance

Hdfc Ergo Bike Insurance User Reviews

4.8
Rating based on
590 User reviews
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What users are saying
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  • Good Assistance

    I was confused about the coverage of my HDFC bike insurance when my bike had a mechanical failure. InsuranceDekho helped me understand my policy. They guided me through the claim process and finally, the claim was settled.

    Read More

    P
    By Priya Mehta
    On: June 26, 2024
  • Extensive Coverage

    Due to an accident, my bike’s rim was damaged. It was very expensive to pay for the repairs. However, I bought an HDFC bike insurance policy with InsuranceDekho. Thanks to this policy, I was able to get it repaired at a cashless garage without any upfront payment.

    Read More

    A
    By Arjun Juneja
    On: June 19, 2024
  • Trustworthy Service

    I was worried about my HDFC bike insurance’s claim settlement. Since it was such a difficult procedure, I took help from InsuranceDekho. They came to my home and guided me throughout the process. With their help my claim was finally settled.

    Read More

    N
    By Neha Prakash
    On: June 17, 2024
  • 100% Satisfaction

    Recently a tree fell over my bike and damaged its parts. I contacted InsuranceDekho to help me with the claim process. As I had comprehensive coverage from HDFC bike insurance, I was able to get its parts repaired. They towed my bike from my home and delivered it after repairing it. I am 100% satisfied with their services.

    Read More

    M
    By Manish Tanwar
    On: June 11, 2024
  • Seamless Process

    I liked how simple it was to get the insurance for my bike through InsuranceDekho. They helped me find the Hdfc Ergo's bike policy without any fuss.

    Read More

    M
    By Manish bansal
    On: March 2, 2024
  • Peace of Mind with Every Drive...

    Every time I hit the road with my Mahindra bike, I have peace of mind knowing that InsuranceDekho's HDFC Ergo Bike Insurance Policy’s own damage coverage has my back. It's a reassuring feeling that money can't buy.

    Read More

    K
    By Krishna Lal
    On: November 29, 2023
  • Prompt Assistance, Anytime

    The best part about the HDFC Ergo Bike Insurance Policy was the prompt assistance I received from InsuranceDekho's network of cashless garages for my Yamaha bike. They're there to help anytime, day or night.

    Read More

    R
    By Raju Bhatia
    On: November 22, 2023
  • Affordable Premiums

    I found that the premiums for comprehensive HDFC Ergo Bike Insurance Policy from InsuranceDekho are affordable, making it a valuable investment for my Vespa bike.

    Read More

    R
    By Rustam Khan
    On: November 16, 2023
  • Hassle-Free Claims with Own Da...

    I had to file a claim for my HDFC Ergo Bike Insurance Policy due to a minor collision, and I found that the process with InsuranceDekho's own damage coverage was hassle-free. They handled everything swiftly, allowing me to get my Triumph bike back on the road.

    Read More

    S
    By Sandeep Narula
    On: November 15, 2023
  • Ease of Service with Cashless ...

    The ease of service with a cashless claim is unmatched by the HDFC Ergo Bike Insurance Policy. I didn't have to handle any paperwork, and my Royal Enfield bike was back in action quickly. It's a convenience I truly appreciate.

    Read More

    S
    By Satyam Kumar
    On: November 9, 2023
  • Ease of Claims for Busy Profes...

    As a busy professional, I value efficiency. I feel that InsuranceDekho's claims process for the HDFC Ergo Bike Insurance Policy catered perfectly to individuals like me, saving time and ensuring I have the support I need for my Mahindra bike.

    Read More

    S
    By Shubh Narang
    On: November 8, 2023
  • Comprehensive Coverage with Pe...

    Since I have comprehensive coverage HDFC Ergo Bike Insurance Policy from InsuranceDekho, I have the ultimate peace of mind every time I hit the road with my KTM bike. It's a priceless feeling.

    Read More

    V
    By Vijay Sarkar
    On: November 7, 2023
  • Affordable Premiums

    I found that the premiums for own damage HDFC Ergo Bike Insurance Policy from InsuranceDekho are affordable, making it a valuable investment for my Hero bike.

    Read More

    H
    By Himanshu Yadav
    On: November 3, 2023
  • Legal Compliance Made Easy

    InsuranceDekho makes legal compliance easy with their third-party car insurance. The HDFC Ergo Bike Insurance Policy is a stress-free way to meet the necessary requirements for my Bajaj bike.

    Read More

    A
    By Amit Sharma
    On: November 2, 2023
  • Friendly Reminders

    The friendly renewal reminders from InsuranceDekho make sure I never miss the deadline for my HDFC Ergo Bike Insurance Policy, ensuring continuous protection for my KTM bike.

    Read More

    B
    By Bebojit Sengupta
    On: October 31, 2023
  • Supportive Team for Premium Ca...

    The support team at InsuranceDekho is always supportive when it comes to premium calculations. They answered all my queries and ensured that I had a clear understanding of the calculations for the HDFC Ergo Bike Insurance Policy for my Jawa bike.

    Read More

    A
    By Ashwin Sharma
    On: October 30, 2023
  • Guiding You Through Claims

    InsuranceDekho's team guided me through every step of the claim process that I filed for my Royal Enfield which I insured with the HDFC Ergo Bike Insurance Policy on time. Their expertise and assistance were invaluable during a stressful time.

    Read More

    S
    By Shrish Mayrush
    On: October 26, 2023
  • Reliable Support for Comprehen...

    InsuranceDekho is a reliable source for Comprehensive Car Insurance support. When I bought the HDFC Ergo Bike Insurance Policy, their team ensured that I have the best protection for for my Vespa bike.

    Read More

    By Rakesh Bedi
    On: October 24, 2023
  • Quick and Efficient Claims Pro...

    InsuranceDekho's Own Damage Insurance includes a quick and efficient claims process. They processed my claim for the HDFC Ergo Bike Insurance Policy promptly and ensured I received full coverage of my KTM bike for damages.

    Read More

    By Hirish Naik
    On: October 23, 2023
  • Smooth Repair Process

    I must say that the repair process at InsuranceDekho's cashless garages is incredibly smooth. The entire process of making bike repairs hassle-free. I am happy that I bought the HDFC Ergo Bike Insurance Policy for my KTM bike.

    Read More

    V
    By Vinay Jain
    On: October 19, 2023
  • Swift and Transparent Claim Se...

    I was amazed by the swift and transparent claim settlement for my Royal Enfield bike’s process with InsuranceDekho. They explained everything clearly and settled my bike insurance claim for the HDFC Ergo Bike Insurance Policy without any surprises.

    Read More

    P
    By Prret Singh
    On: October 18, 2023
  • Efficient Depreciation-Free Re...

    On a friends recommendation I secured my Bajaj bike with the HDFC Ergo Bike Insurance Policy. I must say that InsuranceDekho's network of repair centers ensures efficient depreciation-free repairs. It's a relief to have this convenience when my bike needs fixing.

    Read More

    A
    By Anirudh Shetty
    On: October 17, 2023
  • Comprehensive Means Comprehens...

    InsuranceDekho's comprehensive coverage truly lives up to its name. It leaves no stone unturned in protecting my Honda bike with the HDFC Ergo Bike Insurance Policy and my peace of mind.

    Read More

    M
    By Manish Tyagi
    On: October 16, 2023
  • Responsive Customer Support

    InsuranceDekho's customer support team has been responsive whenever I've had questions or needed help with my third-party coverage of my HDFC Ergo Bike Insurance Policy for my Hero bike.

    Read More

    By Rajneet Kumar
    On: October 12, 2023
  • Friendly and Informed Customer...

    In case I have questions or need assistance during the renewal process of the HDFC Ergo Bike Insurance Policy for my Yamaha bike, InsuranceDekho's customer support team is always ready with friendly and informed guidance.

    Read More

    A
    By Aarav Nayyar
    On: October 11, 2023
  • Quick Authorization for Repair...

    InsuranceDekho ensures quick authorization for repairs at cashless garages. The HDFC Ergo Bike Insurance Policy that I took to insure my Honda bike ensures the process is fast and reduces downtime for my vehicle.

    Read More

    R
    By Rehan Khan
    On: October 10, 2023
  • No-Hassle Claim Settlement

    Filing a bike insurance claim for my KTM bike with InsuranceDekho’s HDFC Ergo Bike Insurance Policy felt like a breeze. They handled all the paperwork, and I didn't have to deal with any hassles.

    Read More

    P
    By Piyush Gupta
    On: October 6, 2023
  • Complete Satisfaction with Ins...

    I am completely satisfied with InsuranceDekho's own damage coverage. The HDFC Ergo Bike Insurance Policy have consistently exceeded my expectations. Happy to have insured my Bajaj bike under this policy.

    Read More

    S
    By Sagar Motwani
    On: October 3, 2023
  • Seamless Cashless Garage Claim...

    Seamless Cashless Garage Claims - Sirish Kumble I had a minor accident with my Hero bike, and I'm grateful for InsuranceDekho's cashless claims process of the HDFC Ergo Bike Insurance Policy. The garage handled everything smoothly, and I was back behind the wheel in no time.

    Read More

    By Sirish Kumble
    On: September 29, 2023
  • Easy to File Claims Online

    Filing a claim online for my HDFC Ergo Bike Insurance Policy through InsuranceDekho's platform was a breeze. I uploaded the necessary documents, and they took it from there. It saved me a lot of time and effort. Happy to have insured my Mahindra bike with this amazing policy.

    Read More

    S
    By Saksham Ajmani
    On: September 27, 2023
Hdfc Ergo Reviews

HDFC ERGO Bike Insurance Premium Calculator FAQs

  • What are the benefits of using the bike insurance premium calculator?

    The bike insurance premium calculator will help you find the right premium amount for your plan, get the IDV of your bike, choose an affordable policy and make better decisions related to the bike insurance policy.

  • What details should I enter in the premium calculator to get the premium for a plan?

    You need to fill up a few basic details like make of the bike, model of the bike, RTO location of the bike, registration year of the bike, and so on., to get the accurate amount of premium offered by the insurance company for a bike insurance plan.

  • What are the factors which determine the premium of a bike insurance plan?

    There are several factors which affect the premium of a bike insurance policy which includes the age of the owner, No Claim Bonus (NCB), engine cubic capacity (cc) of the bike, anti-theft devices, Insured Declared Value (IDV), city of registration, association with automobile club, any modification made to the bike and many more.

  • Where can I find the premium calculator to compute the premium for my insurance plan?

    You can get the best premium calculator to reckon the premium and IDV for your insurance policy at the website of InsuranceDekho, i.e., www.insurancedekho.com.

  • Can I use the premium calculator to calculate the policy premium for a used or old two-wheeler?

    Yes, the premium calculator can be availed to compute the cost of policy premium for a new as well as old or used two-wheeler.

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      #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.