HDFC ERGO Bike Insurance Claim

With a Claim Settlement Ratio of 100% for the FY 2022-23, the HDFC ERGO General Insurance Company has pre-defined its popularity among their two-wheeler insurance customers. The company also offers 24-x7-customer assistance so policyholders can easily claim their two-wheelers.

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Documents Required During Bike Insurance Claims Settlement

Here is a list of mandatory documents required at the time of raising claims for an HDFC bike insurance in case of accident, theft, and third-party damages-

For Personal Accident Claims
- Duly filled & signed claim form
- Valid two-wheeler insurance policy
- Registration Certificate (RC)
- Driving License (DL)
- FIR report
- Original tax receipts
- Estimate cost of repairs
- Bills or payment receipts
For Theft Claims
- Similar documents are required for raising claims in case of an accident
- Duly filled and signed form no. 26, 28, 29, 30 and 35
- No Trace Report of the stolen two-wheeler issued from the police
- Theft declaration from RTO (Regional Transport Office)
For Third-party Claims
- Duly filed and signed claim form
- Valid two-wheeler insurance policy
- Registration Certificate (RC) of the vehicle
- Driving License (DL)
- FIR report

HDFC ERGO Bike Insurance Claim Process Online

To raise claims under your HDFC bike insurance online, you can follow the below steps-

Step 1: Register your claims online by downloading, filling, and signing the claim form available on the insurer's official website or Policybazaar.com.
Step 2: Upload the supporting documents asked the insurance company.
Step 3: The insurer will send a surveyor to assess the damages caused to the insured bike and calculate the extent of loss to prepare an assessment report.
Step 4: Send your bike to an authorized network garage once you get approval from the insurer.
Step 5: Repair your two-wheeler and get the claim amount directly in your bank account in case of the reimbursement process. However, if you have chosen a cashless process, the insurer will directly settle the bill with the authorized garage.

Common Reasons for HDFC ERGO Bike Insurance Claim Rejections

To give you better insights, here are some common grounds on which the claims of your bike insurance can be rejected-

Violation of traffic rules
Act of negligence
Fraudulent activities while raising claims
Not having relevant and sufficient supporting documents
Delay in informing about the incident to the insurer
Loss/damage caused while driving under the influence of alcohol or drugs
Carrying invalid or inactive DL, RC, or two-wheeler insurance policy.

HDFC ERGO No Claim Bonus in Bike Insurance Policy

When you purchase a comprehensive or standalone own-damage policy, you can receive the benefits of a No Claim Bonus (NCB) for every claim-free year. An NCB is a reward given to the policyholder for driving safely and not raising claims. The cumulative bonus (NCB) can go up to 50% in the fifth consecutive year.

However, if you submit a minor claim, your cumulative bonus (NCB) will become zero. Hence, it is advised to refrain yourself from filing claims for minor dents or small damages.

Here is a table showing how a No Claim Bonus (NCB) works for you-

No. of Claim-free Years	No Claim Bonus (in percentage)
For 1st year	20%
For consecutive 2nd year	25%
For consecutive 3rd year	35%
For consecutive 4th year	45%
For consecutive 5th year	50%

FAQs for HDFC ERGO Bike Insurance Claim

Q1. What is the process of filing HDFC bike insurance claims?

Ans: Call 1800-258-5881 for assistance from our customer assistance team, and enjoy a hassle-free claim process at Policybazaar.com.
Q2. What are HDFC cashless bike insurance claims?

Ans: The insurance provider directly settles the repair bill with the authorized network garage in cashless claims.
Q3. What is the claim settlement ratio of HDFC ERGO bike insurance?

Ans: In the financial year 2022-23, the CSR of HDFC ERGO bike insurance is 100%

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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