Hdfc Ergo Bike Insurance Paper Download

"Important Notice #Sikkim Floods: HDFC ERGO customers who are impacted can reach out to our appointed Nodal Officer Mr Anupam Ghosh +91 83369 55575(anupam.ghosh@hdfcergo.com) and our District Claims service head Mr Sudip Pan +91 90739 78568(pan.sudip@hdfcergo.com). You can also call us on our dedicated helpline number 022 6234 6235 or email us to care@hdfcergo.com" |"14,49,857 lives covered by HDFC ERGO under PMSBY as on 19th October 2023. Click here to know more!" | "Dear Users, Ayushman Bharat Health Account (ABHA) is an initiative by National Health Authority (NHA), Ministry of Health and Family Welfare, Government of India, to create a digital health ecosystem. With ABHA, you can access and share your health record digitally. Click to know more" | "Important Notice #Cyclone Biparjoy: HDFC ERGO customers who are impacted can reach out to our appointed Nodal Officer Mr Jigar Vyas +91 97697 47976 and our District Claims service head Mr Atul Purohit +91 98790 17196. You can also call us on our dedicated helpline number 022 6234 6235 or email us to care@hdfcergo.com"

Two wheeler insurance or bike insurance protects your vehicle from losses that might occur due to unforeseen events. With the upcoming holiday season and New Year 2024 not that far away, every two-wheeler owner must have a bike insurance policy to secure their ride. Also, riding two-wheelers without third party two wheeler insurance policy can lead to hefty fines; therefore, buy or renew bike insurance if it's nearing expiry. Two wheeler insurance policy will cover your vehicle against fire, theft, earthquakes, flood and third-party liabilities. Damages due to these unforeseen incidents can significantly damage your bike or scooter, thereby leading to expensive repair bills. Hence, it is necessary to have a bike insurance policy.

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You can choose from comprehensive bike insurance, third-party cover and standalone own-damage cover. However, it is advisable to completely safeguard your vehicle by buying comprehensive two wheeler insurance. You can customize the comprehensive bike insurance policy by adding unique add-ons like no claim bonus protection, emergency roadside assistance, zero depreciation, etc to enhance your two-wheeler insurance policy. HDFC ERGO offers two wheeler insurance for all types of two-wheelers, such as motorcycles, moped bikes/scooters, electric bikes/ scooters, and more and has a wide network of 2000+ cashless garages.

HDFC Ergo offers 4 types of two wheeler insurance like Comprehensive insurance,Third Party insurance, and Standalone own damage car, and cover for a brand new bike. You can further enhance the protection of your bike by adding add-on covers to your comprehensive bike insurance.

Your two wheeler will be protected against theft, fire, natural or artificial disasters, and more with a comprehensive bike insurance policy. Additionally, you can use the cashless repair option at network garages in India.

It is required to have at least a third party liability two wheeler insurance policy in India, as per the law (Indian Motor Vehicles Act, 1988). However, getting a comprehensive bike insurance policy is advised.

A standalone own damage bike insurance covers any damage you cause to your two wheeler by accident. It provides financial coverage against damage to your bike and not the third party involved in the collision. In addition, own Damage bike insurance policy reimburses you for the costs associated with repairing or replacing any parts of your two wheeler damaged in an accident.

The policyholder cannot claim under a bike insurance policy if the insured vehicle meets with an accident where the rider was driving without a valid driving license or under the influence of alcohol.

1. Know your Coverage :Requirement Before looking for bike insurance plan, it is essential to make an assessment based on your requirement and budget. While buying bike insurance policy you can choose between third party cover and comprehensive cover. Depending upon the usage of your two wheeler, you should choose bike insurance plan that offers coverage as per your requirement.

2. Understand Insurance Declared Value (IDV) : IDV is the current market value of your bike. IDV is the maximum sum insured fixed when purchasing a bike insurance policy and is the amount that insurer will pay in case of total loss or theft of two wheeler. Therefore, IDV is one of the most critical factors determining the two wheeler insurance premium.

3. Look for Add-on to Extend your Bike Insurance Cover : Look for riders that you can add to your bike insurance policy. This will make the coverage more exhaustive. You will have to pay an additional premium for bike insurance for the riders.

4. Compare Bike Insurance Online : It is wise to compare bike insurance online and check the available plans to make an informed decision. You can compare bike insurance plans online based on the coverage offered.

The bike insurance premium rate for comprehensive cover depends on certain external factors such as engine capacity, vehicle age, location, etc. The engine cubic capacity of the bike plays a significant role in determining bike insurance premium rates. On the other hand, IRDAI determines the price of the third-party policy, which also affects the price of a comprehensive bike insurance policy. The table below explains the third-party bike insurance premium rates in India with effect from 1st June, 2022.

Before buying a bike insurance policy, you should be thoroughly aware about its coverage. Apart from this, you should also know the inclusion and exclusion of the plan you are buying. Here are some ways by which you can compare two wheeler insurance plans:

2. Own Damage Premium: Own damage bike insurance provides coverage if your bike is stolen or faces any other kind of damage due to an insurable peril. When you are checking the premium of own-damage, here are some of the things that you need to know about:

3. Third-party Bike Insurance Premium: Third party bike insurance provides coverage for third party liabilities. Typically, third-party bike insurance provides a financial coverage of up to Rs. 1 lakh for any damage to third party property or person. In addition, there's unlimited coverage for the death or disability of another person involved in an accident by the insured person's vehicle. This amount is decided by court.

4. Personal Accident Premium: In bike insurance, it is mandatory to have a Personal Accident Cover. This type of cover is only meant for the policyholder. So, even if you own multiple vehicles, you will still need a single Personal Accident cover.

1.Maintain a clean driving record: Ensure that you ride safely and avoid meeting with an accident. By this you will avoid raising any claim, which can help you avail no claim bonus benefit during bike insurance renewal.

Quick issuance - You can get a bike insurance policy within few minutes if you buy online. You have to fill an online application form, provide the bike details, pay the premium online, and the policy is sent to your email id.

Payment reminders - After you buy a bike insurance policy online, you get regular bike insurance renewal reminders from our end to renew your coverage continuously. This ensures that you enjoy uninterrupted coverage.

Two-wheelers are a prevalent mode of transportation in India as its pocket friendly and easy to commute. For those who can't afford a new bike, a second-hand bike is a good option. Secondhand bike insurance is an essential part of buying a used bike or a scooter. Unfortunately, many fail to insure their bike or transfer bike insurance. Like regular motor insurance, second-hand two-wheeler insurance protects you from damage and losses caused to a third party or yourself while riding your pre-owned bike. Before buying second-hand bike insurance, remember the following things:

Depreciation means a reduction in the value of your vehicle and its parts over the years of usage. When making a claim, you may end up paying a large amount from your pocket since the insurance company deducts the depreciation amount charged against the damaged parts. But opting for a zero depreciation cover as an add-on under comprehensive insurance for a bike can help you save on out-of-pocket expenses. This is because the insurance company would bear this cover's depreciation amount charged against the damaged parts.

You can avail of this cover under the comprehensive bike insurance policy. With this add-on cover, HDFC ERGO offers you round-the-clock assistance to deal with emergency breakdown issues. The emergency assistance cover includes minor on-site repairs, lost key assistance, duplicate key issues, tyre changes, battery jump starts, fuel tank emptying and towing charges. For instance, if you face an accident and damage your bike/scooter, it must be towed to a garage. With this add-on cover, you may call the insurer, and they will get your vehicle towed to the nearest possible garage up to 100 km from your declared registered address.

Forbes Advisor India analyzed HDFC Ergo Bike Insurance, a product meant to provide bikers and cyclists insurance across the country. HDFC Ergo has a long history in the insurance industry and has been synonymous with trust and excellence. But what distinguishes their bike insurance?

In addition, the HDFC Ergo bike insurance policy includes a cover for consumables, which pays for the cost of items like engine oil, brake oil, and coolant that are needed during the course of repairs.

You can make multiple claims under your HDFC Ergo bike insurance policy during the policy term. However, with each subsequent claim, your no-claim bonus (NCB) percentage will decrease, impacting your future renewals.

To check the status of your HDFC Ergo bike insurance policy, you can login to your policy account online. You will need your policy number and some basic details. Alternatively, you can also contact the customer support team through the toll-free number or live chat and provide them your policy details for verification. ff782bc1db