We do HDFC Bike Insurance in Delhi as other parts of India also. We are partner with other companies also. We do HDFC Third Party Bike Insurance, HDFC Standalone Own Damage Policy, HDFC Comprehensive Bike insurance which is also known as HDFC Full Insurance. We the popular add-on cover we do HDFC Zero Depreciation Bike Insurance also. Our office is located in Delhi and working in PAN India. Weather you say, bike insurance, two wheeler insurance, HDFC Active insurance and more we have all the options available with us. 2 Minutes paperless work and no inspection required. You can also contact us for HDFC Bike insurance renewal and other related work. Completely Cashless Bike insurance policy.
Bike insurance is a type of insurance policy that provides financial protection to individuals who own motorcycles or other two-wheeled vehicles. In the event of an accident or damage to the bike, the insurance policy can help cover the costs of repairs, medical expenses, and other related expenses. Bike insurance typically includes liability coverage, which covers the costs of any damages or injuries caused by the policyholder to third parties, as well as comprehensive coverage, which covers damages caused by factors such as theft, vandalism, or natural disasters. It is important for bike owners to have insurance coverage to protect themselves and others on the road, and to ensure that they are able to recover financially in the event of an accident or other unforeseen circumstances.
HDFC Bike insurance offers third-party insurance coverage for bike owners. Third-party insurance is a type of insurance policy that provides coverage for the damages and losses that are caused to third parties. This type of insurance policy is mandated by the Indian law, and it is mandatory for all bike owners to have third-party insurance coverage.
HDFC Bike insurance's third-party insurance policy covers the expenses incurred due to the damages or losses caused to the third-party property or person in case of an accident involving the insured bike. The policy covers the medical expenses and compensation for the injuries sustained by the third-party person. It also covers the damages caused to the third-party property, such as a car or a building.
Third-party insurance policy is essential as it protects the bike owner from the financial liabilities arising due to damages or losses caused to the third party. It is a cost-effective option for the bike owners who want to comply with the legal requirements and avoid any legal complications in case of an accident.
We have tie-up through various companies and do HDFC Third party two wheeler insurance in 2 minutes. Paperless process and no inspection is required. 24 x 7 claim assistance. Are partner with Policy Bazar also through PB Partner Portal and tie-up with other aggregators also. HDFC Third party bike insurance starts from 538 + GST for vehicles up to 75 cc and Rs. 714 + GST which is Rs. 843 / Year for 75cc to 150 cc vehicles. Any type of two-wheeler who falls under this range will be charges at Rs. 843 as guide by IRDA.
Add-on covers are optional features that bike owners can add to their insurance policy to enhance the coverage and protect their bikes against specific risks. These add-ons provide additional coverage and benefits over and above the basic coverage provided by the standard bike insurance policy. In this article, we will discuss some of the popular add-on covers in bike insurance.
Zero Depreciation Cover: This add-on cover is also known as a Nil Depreciation cover. It is one of the most popular add-ons in bike insurance. This cover provides complete coverage for the depreciation of the bike's parts during an accident. The insurance company will bear the entire cost of replacing the damaged parts without any deduction for depreciation. This add-on is recommended for new bikes or high-end bikes that have expensive parts.
Engine Protection Cover: This add-on cover provides coverage for the damages to the bike's engine and gearbox due to accidents or waterlogging. Standard bike insurance policies do not provide coverage for engine damages, and the repair costs for the same can be high. With this add-on cover, the insurance company will bear the cost of repairs or replacement of the engine and gearbox parts.
Roadside Assistance Cover: This add-on cover provides 24x7 assistance in case of breakdown or accidents. The insurance company will provide services such as towing, fuel delivery, and on-site repairs. This cover is recommended for those who frequently travel long distances or have an old bike.
Personal Accident Cover: This add-on cover provides coverage for the bike owner in case of an accident that results in permanent disability or death. The coverage amount varies depending on the premium paid. It is recommended for those who frequently travel on busy roads or highways.
NCB Protection Cover: NCB or No Claim Bonus is a discount offered by insurance companies to bike owners who have not made any claims in the previous policy year. This add-on cover protects the NCB discount in case of a claim, and the bike owner can avail of the same discount in the next policy year. It is recommended for those who have a good track record of not making claims.
Consumables Cover: This add-on cover provides coverage for the replacement of consumable parts such as nuts, bolts, and screws in case of an accident. Standard bike insurance policies do not cover the cost of these parts, and the repair costs can be high. With this add-on cover, the insurance company will bear the cost of replacement of these parts.
In conclusion, add-on covers in bike insurance provide additional coverage and benefits over and above the basic coverage provided by the standard bike insurance policy. Bike owners should carefully evaluate their insurance needs and select the add-on covers that provide the maximum coverage for their bikes. It is recommended to compare the add-on covers offered by different insurance providers and select the one that offers the best value for money.
The premiums of bike insurance in India vary based on several factors such as the type of bike, the age of the bike, the bike's engine capacity, the location of the bike owner, and the type of coverage selected. In this article, we will discuss the various factors that influence the premiums of bike insurance in India.
Type of Bike: The type of bike is a crucial factor that determines the insurance premium. Bikes with higher engine capacity or power have a higher premium as they are more expensive to repair or replace in case of an accident.
Age of the Bike: The age of the bike is another important factor that influences the insurance premium. The older the bike, the higher the premium as the risk of breakdown or accidents increases with age.
Bike's Engine Capacity: The engine capacity of the bike is a significant determinant of the insurance premium. Bikes with higher engine capacity have higher premiums as they are more prone to accidents and damage.
Location of the Bike Owner: The location of the bike owner also plays a significant role in determining the insurance premium. Bikes parked in areas with a higher risk of theft or accidents have higher premiums.
Type of Coverage Selected: The type of coverage selected is also a significant determinant of the insurance premium. Third-party coverage is the minimum requirement by law and is less expensive than comprehensive coverage. However, comprehensive coverage provides a higher level of protection and has a higher premium.
No Claim Bonus: No Claim Bonus (NCB) is a discount offered by insurance companies to bike owners who have not made any claims in the previous policy year. The higher the NCB, the lower the premium.
In conclusion, the premiums of bike insurance in India vary based on several factors, and bike owners should carefully evaluate their insurance needs before selecting an insurance policy. It is recommended to compare the premiums offered by different insurance providers and select the one that provides maximum coverage at an affordable premium.
No Claim Bonus (NCB) is a reward or discount offered by insurance companies to bike owners who do not make any claims during the policy period. It is a kind of loyalty bonus that incentivizes safe and responsible driving. The NCB is given as a percentage of the premium amount and can be availed by the bike owner during the renewal of the policy. In this article, we will discuss No Claim Bonus in bike insurance in detail.
The NCB is applicable for comprehensive bike insurance policies and is not available for third-party insurance policies. The NCB percentage starts at 20% for the first claim-free year and increases up to a maximum of 50% for five consecutive claim-free years. If the bike owner makes a claim during the policy period, the NCB becomes void, and the owner has to pay the full premium during the renewal of the policy.
The NCB is transferable to a new insurance provider if the bike owner switches the insurance company during the renewal of the policy. The bike owner can avail of the NCB in the new policy if the previous policy was claim-free. The NCB is also transferable to a new bike if the old bike is sold and a new bike is purchased. In this case, the bike owner can avail of the NCB in the new policy if the old policy was claim-free.
It is essential to note that the NCB is not applicable for all insurance add-ons. If the bike owner has made a claim for any add-on, the NCB will not be applicable for that particular add-on during the renewal of the policy. However, the NCB will still be applicable for the basic coverage of the insurance policy.
In conclusion, No Claim Bonus is a reward or discount offered by insurance companies to bike owners who do not make any claims during the policy period. It is a way to incentivize safe and responsible driving and is transferable to a new insurance provider or a new bike. Bike owners should carefully evaluate their insurance needs and select an insurance policy that provides maximum coverage at an affordable premium, while also taking advantage of the NCB.
Filing a claim for HDFC bike insurance is a simple and hassle-free process. In case of an accident or damage to your bike, you can follow the steps mentioned below to file a claim:
Intimate HDFC Ergo: The first step is to inform HDFC Ergo about the accident or damage to your bike. You can call their toll-free number or intimate them through their website. You will need to provide details such as your policy number, bike registration number, and the date and time of the accident.
Register an FIR: If the accident involves a third party, it is essential to register an FIR with the police. You will need to provide a copy of the FIR to HDFC Ergo along with the claim form.
Collect relevant documents: You will need to collect documents such as a copy of your bike's registration certificate, driving license, and insurance policy. You will also need to submit the estimate of the repairs or the bills for the repairs done.
Submit the claim form: You can download the claim form from HDFC Ergo's website or obtain it from their customer care center. Fill in the claim form with the necessary details and attach all the relevant documents.
Wait for surveyor's visit: A surveyor from HDFC Ergo will visit the accident site or the garage where your bike is being repaired to assess the damage. The surveyor will prepare a report based on the assessment, which will be used to settle the claim.
Claim settlement: HDFC Ergo will settle the claim based on the surveyor's report and the terms and conditions of your insurance policy. The claim amount will be directly transferred to your bank account or paid through a cheque.
It is essential to note that you should not authorize any repairs before the surveyor's visit as this can affect the claim settlement. Also, you should keep all the bills and receipts of the repairs done as they may be required for future reference.
In conclusion, filing a claim for HDFC bike insurance is a straightforward process. You can inform HDFC Ergo about the accident or damage, register an FIR if necessary, collect relevant documents, submit the claim form, wait for the surveyor's visit, and settle the claim. It is important to follow the terms and conditions of your insurance policy and cooperate with HDFC Ergo to ensure a hassle-free claim settlement.
While HDFC Bike Insurance provides comprehensive coverage for your bike, there are certain circumstances and events that are not covered under the policy. Some of the exclusions are:
Wear and tear: Any damage or loss caused due to normal wear and tear of the bike is not covered under the policy.
Mechanical or electrical breakdown: Any damage or loss caused due to mechanical or electrical breakdown of the bike is not covered under the policy. This includes engine failure or malfunction.
Depreciation: The policy does not cover the depreciation of the bike or its parts. The claim amount will be calculated based on the current market value of the bike or the insured declared value (IDV).
Illegal activities: Any damage or loss caused due to illegal activities such as racing or riding under the influence of alcohol or drugs is not covered under the policy.
Consequential loss: Any damage or loss caused due to a consequential event such as war, riots, or nuclear risks is not covered under the policy.
It is essential to carefully read and understand the terms and conditions of the policy to know the exclusions and limitations. This will help you avoid any misunderstandings or disputes during the claim settlement process.
In conclusion, while HDFC Bike Insurance provides comprehensive coverage for your bike, there are certain circumstances and events that are not covered under the policy. These exclusions include wear and tear, mechanical or electrical breakdown, depreciation, illegal activities, third-party liability, consequential loss, and personal accident. It is important to be aware of these exclusions and read the policy document carefully to ensure adequate coverage for your bike.
| HDFC Bike Insurance Third Party Rates | ||
|---|---|---|
| Description of vehicle | Premium rate | Premium With GST |
| Not exceeding 75cc* | ₹538 | ₹635 |
| 75cc-150cc | ₹714 | ₹843 |
| 150cc-350cc | ₹1,366 | ₹1,612 |
| 350cc and Above | ₹2,804 | ₹3,309 |
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