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HDFC Ergo Two Wheeler Insurance

HDFC Ergo General Insurance Company is a joint venture insurance provider, set up by ERGO International AG of the Munich Re Group and HDFC Limited. The company offers several insurance products including health, motor, travel and home insurance among others. HDFC Ergo has 108 branches across 91 Indian cities and more than 2, 000 employees. The company has earned the iAAA rating from ICRA for its payments of claims.

HDFC Ergo Two Wheeler Insurance at a Glance
  • Third Party Liability Coverage
  • 2/3 year & multi-year plans
  • Personal accident cover (optional) up to Rs. 1 lac
  • No Claim Bonus
  • Zero Depreciation Cover

Documentation needed to apply for HDFC Ergo Two Wheeler Insurance
  • Completely filled covernote / application form with contact numbers
  • Name of insured person
  • Vehicle number
  • Make and model of the vehicle
  • Identification card
  • Copy of RC book if any
  • Copy of previous insurance ( for renewal)

HDFC Ergo Two Wheeler Insurance Inclusions
The list of inclusions covers the following aspects:
  • Third Party Liability
  • Loss/Damage from manmade disasters (riots/strikes/terrorism/malicious acts/in-transit)
  • Loss/Damage from natural calamities (fire/flood/earthquake/cyclone/frost/self-ignition/lightning)

HDFC Ergo Two Wheeler Insurance Exclusions
There are some exclusions as far as HDFC Ergo Two Wheeler Insurance is concerned. These include:
  • Mechanical/electrical breakdown
  • Regular wear and tear
  • Damage caused due to driving under influence of alcohol/drugs
  • Damage caused due to driving without valid driving license
  • Loss/Damage due to nuclear risk/war/mutiny
  • Vehicle usage for purposes other than use limitations

How to file claims with HDFC Ergo Two Wheeler Insurance
  • Register claim by calling the toll-free number 18002700700 and Email id care@hdfcergo.com
  • Policy number & other information to be given
  • Claims can be registered via app/website as well
  • Send vehicle for necessary repairs
  • Necessary documents to be submitted (Claim Form, insurance policy, Repair estimate, etc.)
  • Claim to be verified and settled once approved
  • Cashless facility available at garage within company network, direct settlement in this case