HDFC ERGO Two Wheeler Insurance Claim Process

HDFC ERGO is one of India’s most trusted bike insurers. They’ve gained their reputation by offering quick and effective claim settlement solutions. Filing for an HDFC ERGO Bike Insurance claim is very simple and takes only a matter of minutes. You can get started by calling them on their toll-free number or file a claim online by visiting their website. 

A cashless claim is when you get your bike repaired at a HDFC ERGO-approved garage without having to settle the repair bills. Here’s how you can file a cashless claim with HDFC ERGO: 

• Step 1: Get started with filing a cashless claim by calling HDFC ERGO’s toll-free customer care on  022-6234-6234/0120-62346234. Alternatively, you may also go on their official website and register a claim. Share all relevant information such as the location and time of the accident or mishap. 

• Step 2: After you’ve filed your claim, HDFC ERGO will send a surveyor to examine the extent of the damage. Once the survey is completed, you may transport your bike to an authorised garage. 

• Step 3: You can have your bike towed to the garage, if necessary. You can also contact HDFC ERGO to help arrange towing services for your vehicle. 

• Step 4: Once your vehicle has been repaired, you can take your vehicle home or have it delivered at your doorstep. You will not be required to settle the bills with the garage as HDFC ERGO will take care of that for you. 

In case you’re not able to take your vehicle to an authorised cashless garage, you may get it repaired at a garage of your choice. After you’ve settled your bills, you can file for a reimbursement claim and have your bill payments compensated. Here’s how you can file for a reimbursement claim: 

• Step 1: Contact HDFC ERGO to register your claim. You can contact them through their toll-free number (022-6234-6234/0120-62346234) or file a claim online through their website. 

• Step 2: HDFC ERGO will send a surveyor to examine the damages incurred to your bike. 

• Step 3: Post approval from the surveyor, you may take your bike to a garage of your choice and have it repaired. Once the repair is done, settle the bills and be sure to collect all receipts. Present all relevant documents and receipts to the insurer while filing a reimbursement claim. Once your claim has been verified and approved, you will receive the compensation amount after accounting for any deductibles.  

Here are some documents you may need while filing your HDFC ERGO Bike Insurance claim: 

 1. In case of an accident:

• Original/Copy of two-wheeler insurance policy

• Duly filled and signed claim form

• Copy of Registration Certificate (RC)

• Copy of FIR (First Information Report)

• Copy of Driving License

• Original tax receipts

• Payments receipts/bills once the repair has been completed

• Estimate of cost of repairs

2. In case of theft:

• Theft declaration from Regional Transport Office

• Original Registration Certificate (RC)

• Duly filled and signed 26, 28, 29, 30 and 35 Forms

• ‘No Trace Report’ of the insured two-wheeler from the police.

3. In case of third-party claims:

• Copy of Registration Certificate (RC)

• Original/Copy of two-wheeler insurance policy

• Duly filled and signed claim form

• Copy of FIR (First Information Report)

• Copy of Driving License

Here are some simple measures you can take to ensure that your HDFC ERGO Bike Insurance claim process is smooth and hassle-free:

• Always drive with a valid driving licence. Driving without a valid driving licence is not only punishable by law but can also negatively impact your insurance claims. 

• Obey all traffic rules and drive safely. Any damages incurred to your vehicle while driving rashly or disobeying traffic laws may be a breach of your insurer’s policy. This could potentially lead to a claim rejection. 

• Be completely honest while filing your claims. Falsifying or leaving out relevant information could result in a claim being denied. 

• Ensure that you file an FIR at the nearest police station right away in case of a theft or accident. Without an FIR and other relevant legal documents, your insurance claim may be rejected. 

• Make sure that all necessary documents and certificates are up to date. Any inconsistencies found in these documents may lead to a claim rejection.