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HDFC ERGO Comprehensive Two-Wheeler Insurance is intended for eligible motorcycles and scooters. It combines third-party liability protection with own-damage cover for insured events specified in the policy, which may include accidents, fire, theft and certain natural or man-made events. Actual protection, deductibles and limits depend on the issued policy schedule and wording.
Combined protection for your two-wheeler and third-party liabilities
This policy type can suit riders who want protection for their own bike or scooter as well as third-party liability. Compare the insured declared value, deductibles, claim conditions, repair network and available add-ons. Premiums vary with vehicle make and model, engine capacity, age, registration location, IDV and selected covers. Confirm the current quote and wording before purchase.
HDFC ERGO
Key Insights
Founded
2002
HDFC ERGO was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98.5% CSR, calculated as a 3-year average
HDFC ERGO settles 98.5% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-2677-444
Headquarters: 6th Floor, Leela Business Park, Andheri - Kurla Rd, Marol, Andheri East, Mumbai, Maharashtra – 400059
Covers eligible damage to the insured two-wheeler from events specified in the policy.
Deductibles and policy exclusions apply.
Provides cover for eligible legal liability arising from third-party injury, death or property damage.
Applicable legal limits and policy terms apply.
Covers eligible accidental damage to the insured bike or scooter.
Claim approval and policy conditions apply.
May cover theft of the insured two-wheeler when claim conditions are met.
Settlement depends on IDV and required documentation.
Covers insured damage caused by fire and other covered natural or man-made events.
Refer to the policy wording for the insured events.
May reduce depreciation deductions on eligible replaced parts for covered claims.
Optional; confirm availability and eligibility.
May provide assistance for eligible roadside breakdown situations.
Optional; services and limits depend on the add-on.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
HDFC ERGO plans and claim process
It generally combines own-damage cover for specified insured events with third-party liability protection, subject to the issued policy.
Eligible theft claims may be covered under the own-damage section, subject to policy terms and documentation.
Comprehensive two-wheeler insurance generally includes third-party liability cover. Check the policy schedule for the actual cover and tenure.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC ERGO website before purchasing.
Official Website
hdfcergo.com
Visit the official HDFC ERGO website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
May cover specified engine damage under defined conditions if offered for the vehicle.
Verify availability and exclusions in the current wording.
Premium depends on the bike or scooter, engine capacity, age, location, IDV and selected covers. Obtain a current quote for the exact price.
It may be available as an optional add-on for eligible vehicles. Confirm current availability and terms with HDFC ERGO.