HDFC Ergo Two Wheeler Insurance Online

HDFC ERGO two wheeler insurance safeguards your two-wheelers from uncertainties arising due to burglary, theft, natural calamities, and accidents. Two-wheelers are usually much more susceptible to accidents than four-wheelers. They can get damaged easily or even stolen. This is why you need two-wheeler insurance - to financially safeguard yourself during such unforeseen events. Also, it is mandatory by law to have third-party insurance. You can also get a comprehensive insurance policy for your two-wheeler to cover third-party liabilities and damages to your vehicle. Learn more about the features and benefits of the HDFC ERGO two-wheeler insurance.

✓No Inspection Policy Issuance ✓24x7 Assistance ✓Quick Claim Processing | Buy a Bike Insurance Plan Starting at ₹457/year*

  • Overview
  • Claim Settlement
  • Customer Care

Benefits of HDFC ERGO Two-Wheeler Insurance

The benefits of securing an HDFC ERGO bike insurance are listed below:

Inexpensive Premium

Keeping in mind the purse strings of a broad spectrum of end-users, the HDFC ERGO two-wheeler insurance is designed to inculcate inexpensive rates of premium.

Super-fast Issuance of Policy

Moments after you apply for the HDFC ERGO bike insurance online, you will receive your policy document.

No Paperwork

A huge plus point of this insurance policy is the fact that you will not have to fret over the collection of documents, and the online process through Bajaj Markets requires no paperwork.

Hassle-free Claim Settlement

The HDFC ERGO two-wheeler insurance entitles you to a hassle-free, seamless claim settlement process.

Widespread Network Garages

Get access to over 6,500 network garages

Types of Two-Wheeler Insurance Plans Offered by HDFC ERGO

If you opt for the HDFC ERGO bike insurance, you can choose between the following plans:



What’s covered


Third-Party Bike Insurance

This is a mandatory policy, one that safeguards you against any financial liabilities owing to injury, damage or loss to a third-party property or person.

● Personal Accident Cover

● Third-party Property Damage

● Third-party Injuries

Starts at Rs. 482/-

Multi-Year Comprehensive Insurance

This policy insures your two-wheeler, while also providing third-party person / property insurance. It can further be customised by adding any add-on covers of your choice.

Tenor of the coverage ranges from 1-3 years.

● Personal Accident Cover

● Natural Calamities

● Third-party Liabilities

● Accident, Theft, Fire, etc.

● Choice of add-ons

Starts at Rs. 482/-

[9] Stand-Alone Own Damage Cover

This policy is only effective when you already have a third-party plan in place and is meant to protect you and your two-wheeler in the case of an accident.

● Natural Calamities

● Accident, Theft, Fire, etc.

● Choice of add-ons


Starts at Rs. 482/-

[10] Brand New Two-Wheeler Cover

This policy offers coverage for a year, for any damage your bike may suffer, along with a five-year third-party person/ property cover.

● Personal Accident Cover

● Natural Calamities

● Third-party Liabilities

● Accident, Theft, Fire etc.

● Choice of add-ons

Starts at Rs. 482/-

If you wish to purchase the HDFC ERGO bike insurance online through Bajaj Markets, you can do so by:

Step 1: Through the Bajaj Markets website, visit HDFC ERGO, and enter your bike details.

Step 2: Fill in the application form, which will require you to enter information pertaining to your bike and its purchase.

Step 3: Based on your requirements, choose the bike insurance plan you wish to opt for.

Step 4: Pay the premium amount online and voila, you’re done!

How to Calculate Premium for HDFC ERGO Two-Wheeler Insurance

Your HDFC ERGO bike insurance premium is determined after considering a range of factors, that include:

  • Insurance Policy Variant

Every two-wheeler insurer offers two types of policies – a comprehensive policy, and a third-party policy. Given that the former offers a wider range of benefits, premiums on the same are higher as compared to premiums for the latter.

  • Type and Condition of Vehicle

Based on your two-wheeler’s specifications, such as the engine’s cubic capacity, the insurance premium varies. Higher the cubic capacity, the higher the insurance premium. In addition to this, factors such as the age of the vehicle, place of registration, bike model and class, fuel type, and miles covered also help determine the insurance premium that will be applicable.

  • Risk Evaluation of Driver’s Record

Insurance companies calculate a risk factor, based on your age, gender, driving experience, and driving record -all of which help determine the premium you will have to pay.

  • Market Value of Two-Wheeler

The brand and functionality of the bike help determine its market value. This is an important factor in determining the premium applicable.

  • Add-on Covers opted for

The higher the number of add-on covers, the higher the premium levied, and vice-versa.

  • Bike Modifications

The higher the number of modifications to your bike, the higher the premium applicable, and vice-versa.

Inclusions and Exclusions


  • Accidents

  • Fire & Explosion

  • Theft

  • Natural Calamities

  • Personal accident expenses

  • Injuries/Damages to a Third-Party Person or Property


  • Driving under the Influence of Alcohol or Drugs

  • Electrical/Mechanical Breakdowns

  • General Wear and Tear

  • Depreciation

  • Lack of a Valid Driver’s Licence

  • Loss/Damage due to a war-like scenario

Enhance your Coverage with Customised Add-on Covers

You can enhance the coverage of your HDFC two-wheeler insurance with the aid of the following add-on covers:

  • Zero Depreciation Cover

This add-on cover enables you to save money by covering the costs of any physical damages to your vehicle. It is recommended to purchase this zero depreciation cover if you have just purchased a new two-wheeler, or if your two-wheeler is a premium variant, greatly easing the costs of repair.

  • Emergency Assistance Cover

At a slightly higher premium, this add-on cover will aid you when it comes to emergency services such as tyre change, refuelling, towing, mechanic assistance, and so on.

HDFC ERGO Two-Wheeler Insurance Claim Process

Through Bajaj Markets, you can claim your HDFC ERGO bike insurance following the steps given below:

Step 1: Go to the claim section on Bajaj Markets and click on ‘Register a Claim’.

Step 2: Start by registering your claim.

Step 3: Upload the required documents.

Step 4: Choose either self-inspection of your bike or digital inspection by a surveyor.

Step 5: Make use of the claim tracker to track the status of your claim.

Step 6: Once your claim is approved by the concerned garage, you shall receive your settlement.

Contact Details



In case of any assistance, you can contact:

Toll-Free Helpline Number- 1800 2666 400

Email Address-

SMS/Whatsapp- 7304524888

Customer Support Address

D - 301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West) Mumbai - 400078

Bajaj Markets

We, at Bajaj Markets, are at your assistance, every step of the way. In case of any queries, you can reach us at:

Customer care- 020-66399444 (Mon to Sat from 10 am to 6 pm)



Customer Portal to view your policy details

In a Nutshell

When investing in a two-wheeler, it is equally pertinent to invest in the right two-wheeler insurance. We, at Bajaj Markets, recommend HDFC ERGO bike insurance, one of the most trusted and valued brands in the market.

Customer Reviews

HDFC ERGO Two-Wheeler Insurance Reviews

4out of 5

3 reviews

Very satisfactory support and services. Fruitful experience at Bajaj Markets!

Thank you for the patient response and quick turnaround time. Now no worries with having a two-wheeler. Kudos!

This was my first time signing up for a bike insurance, and coming to Bajaj Markets was the best decision ever. Their team helped me with every minute detail. Recommended much!

FAQs on HDFC Ergo Bike Insurance

  • ✔️How does the insurance premium for a new bike differ from the insurance premium for an old bike?

    The older the bike, the higher the insurance premium, and vice-versa – as an older bike is more prone to wear and tear.

  • ✔️Is there a penalty I may incur if I don’t insure my two-wheeler?

    According to the Motor Vehicles Act, you are allowed to ride a two-wheeler only when you have valid third-party insurance. If caught without one, you will be fined Rs. 2000/- for the first offence, and Rs. 4000/- for any subsequent offences, with there being provisions for a three-month jail term or community service too.

  • ✔️When should I renew my two-wheeler insurance?

    You must renew your two-wheeler insurance before the expiry of the current policy. You are allowed a grace period of 90 days post the expiry to renew it, and if not, you will not only lose your no-claim bonus but will also have to cough up more insurance premiums.

  • ✔️What is personal accident insurance cover?

    This can be purchased as an add-on when you buy a comprehensive policy and will provide financial aid to you or your family in the case of an injury, or your untimely accidental death. This can also be purchased for a pillion driver.