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HDFC ERGO Standalone Own-Damage Two-Wheeler Insurance is designed to cover eligible damage to an insured motorcycle or scooter caused by events specified in the policy. Covered events may include accidents, fire, theft and specified natural or man-made events, subject to the policy wording. Third-party liability is not included in this standalone policy and must be maintained separately.
Protection for covered damage to your own two-wheeler
This cover can suit riders who already have valid third-party insurance and want protection for their own vehicle. Compare the insured declared value, deductibles, claim conditions and available add-ons before purchase. Premium depends on vehicle make and model, age, location, IDV, claims history and selected covers. Confirm current eligibility and terms in the insurer quote.
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 bike or scooter caused by covered accidental events.
Deductibles and policy exclusions apply.
May cover insured vehicle damage caused by fire and other events listed in the policy.
Check the exact insured events in the wording.
May cover theft of the insured two-wheeler when policy claim conditions are satisfied.
Settlement is subject to IDV and documentation.
May cover specified events such as eligible flood, storm, riot or malicious damage where included by the policy.
Refer to the policy wording for covered events.
Deductibles and applicable depreciation may reduce own-damage claim settlements.
Review the policy schedule before buying.
May reduce depreciation deductions on eligible replaced parts for covered claims.
Optional; confirm availability and eligibility.
May provide help 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 covers eligible damage to your own insured bike or scooter. Third-party liability must be insured separately.
Yes. Maintain valid third-party motor insurance as required by law when using the vehicle on public roads.
Eligible theft claims may be covered, subject to the policy wording and claim requirements.
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 current availability and exclusions.
Premium depends on vehicle details, age, IDV, registration location, claims history and selected covers.
It may be available for eligible vehicles and policies. Confirm the current terms with HDFC ERGO.