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HDFC ERGO Comprehensive Bike Insurance
HDFC ERGO's comprehensive bike insurance policy is a complete package that protects your bike from several unforeseen risks, including third-party liabilities in a road accident. With it, you can also buy add-on covers to enhance the policy coverage.
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- HDFC ERGO Comprehensive Bike Insurance
Benefits of HDFC ERGO Comprehensive Bike Insurance Policy
The HDFC ERGO comprehensive bike insurance policy offers you both 'Own Damage bike insurance' and 'HDFC Ergo third party insurance' coverage in a single policy. Hence, this policy acts as an extensive protection shield from several damages, including loss/damage due to theft, fire, total loss, natural calamities, and man-made disasters.
Additionally, you can enhance the policy coverage by purchasing several add-ons of your precious possession.
Difference between HDFC ERGO Comprehensive & Third-party Bike Insurance
The following table states the difference between comprehensive and third-party bike insurance policies offered by HDFC ERGO General Insurance Company-
| Point of Basis | Comprehensive Bike Insurance | Third-party Bike Insurance |
| Type of coverage | Offers broader coverage as own damages & third-party damages are covered. | Only covers third-party liabilities caused by insured’s vehicle. |
| Add-on covers | Multiple add-ons like emergency roadside assistance, zero depreciation cover, etc. available. | Add-ons are not available. |
| Premium amount | A little expensive as it gives wider coverage than usual. | Affordable than comprehensive plan as it offers limited coverage. |
| Nature of requirement | Not mandatory | Mandated by law |
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HDFC ERGO Comprehensive Bike Insurance Plan Coverage
An HDFC comprehensive bike insurance protects the policyholders against the following instances-
- Covers third-party liabilities, including bodily injury, death and property damage caused by the insured's bike.
- Damages due to fire, explosion, lighting, or self-ignition.
- Loss caused by natural calamities like earthquakes, floods, etc.
- Loss or damages caused by man-made disasters like riots, strikes, etc.
- Coverage for the theft of the vehicle.
- Damages caused to the insured bike in road accidents.
Exclusions of HDFC ERGO Comprehensive Bike Insurance
HDFC ERGO comprehensive bike insurance does not provide coverage for the following instances-
- Loss or damage due to depreciation.
- Loss or damage due to mechanical/electrical breakdown.
- Damages were caused when the insured was driving without a valid DL, RC, PUCC, and two wheeler insurance.
- Damages are caused when the insured is driving in an intoxicated state.
- Any consequential losses.
*Disclaimer- Kindly refer to the policy wordings to understand the exact policy coverage.
FAQs about HDFC ERGO Comprehensive Bike Insurance
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Q1. Can I purchase HDFC ERGO comprehensive bike insurance online?
Ans: Yes. You can buy it from Policybazaar.com and issue a policy without any hassles. -
Q2. Can I buy roadside assistance coverage with my HDFC ERGO comprehensive bike insurance policy?
Ans: Yes. You can easily purchase this add-on cover with your HDFC ERGO comprehensive bike insurance policy. -
Q3. How many cashless garages are available under HDFC ERGO General Insurance Company?
Ans: For two-wheelers, 2000+ network garages are available across India.
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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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Read more^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.
^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.
#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.
*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.
*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)
#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.
*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.
*Rs 457/- per annum is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial).The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively.Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The 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
