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Get an HDFC ERGO Bike Insurance Quote
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Start your quick, free bike insurance quote with Amba insurance.
Protect your two-wheeler against theft, damage, and third-party liabilities with HDFC ERGO’s reliable and budget-friendly bike insurance plans.
Get your personalized quote in under 2 minutes.
Switch to Amba insurance for hassle-free coverage and instant policy issuance from HDFC ERGO.
Call: (+91)88559-31911
Bike Insurance – Protect Your Ride with Amba Insurance
Bike insurance, also known as two-wheeler insurance, is a crucial financial safety net that covers your motorcycle or scooter against unexpected damages. At Amba Insurance Services, we offer reliable bike insurance plans that protect you from financial burdens caused by accidents, theft, natural calamities (like floods or earthquakes), fire, riots, or vandalism.
Without a proper two-wheeler insurance policy, you may end up paying hefty repair bills from your pocket. Given the increasing number of road accidents across India, it is essential to stay protected with a comprehensive bike insurance plan. Our policies ensure that if your bike gets damaged due to any insured event, we will cover the repair costs as per the terms.
Important Note: As per the Motor Vehicles Act, 1988, riding without at least a third-party bike insurance policy is a legal offense in India. So, whether you’re buying a new bike or your current policy is nearing expiry, it’s time to buy or renew your two-wheeler insurance online with Amba Insurance.
Key Features
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Claim settlement
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Own Damage Cover
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Third Party Damage Cover
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Choice of Unique Add-ons
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Claim Settlement Ratio
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Bike Insurance Premium
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Benefits of HDFC Ergo Two Wheeler Insurance
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AI-enabled tool IDEAS
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Covers accident & natural or man-made calamities
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Covers third party injuries and property damages
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Customise bike insurance policy with by selecting choice of add-ons
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99.8% Claim Settlement Ratio^
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Starts at ₹538*
Types of Bike Insurance Plan by HDFC ERGO
At Amba Insurance Services, we offer flexible and affordable bike insurance options tailored to your needs:
Why Choose HDFC Ergo Insurance Through Amba Insurance Services?
Buying the right bike insurance online can feel overwhelming—but it doesn’t have to be. At Amba Insurance, we make it easy to choose a policy that matches your budget, bike usage, and protection needs.
Evaluate Your Coverage Needs
💡 Tip: If you use your bike frequently or live in an accident-prone or flood-prone area, comprehensive two-wheeler insurance is highly recommended.
Explore Add-Ons to Boost Your Policy
✅ Zero Depreciation Cover
✅ Roadside Assistance
✅ No Claim Bonus Protection
✅ Engine Protection
💡 These riders provide extended protection and can be added to both Comprehensive and Own-Damage Only policies for better financial security.
Understand Insured Declared Value (IDV)
IDV is the current market value of your bike and determines the maximum claim amount in case of theft or total loss.
💡 Why it matters: Choosing the correct IDV helps you avoid under-insurance and directly affects your bike insurance premium.
Compare Two-Wheeler Insurance Plans Online
🔎 Coverage options
📈 Premium amount
🔧 Cashless garage network
🔁 Claim settlement ratio
💡 At AmbaInsuranceServices.com, you can easily compare policies online, get instant quotes, and buy within minutes.
Difference Between Third Party Cover vs Own Damage Cover
If you are buying a two wheeler insurance policy, you must know major differences between the third party cover and own damage cover. Let us see below differences between third party cover and own damage cover.
| Factors | Third Party Cover | Own Damage Cover |
| Compulsion | It is mandatory as per the Motor Vehicles Act of 1988. | It is not mandatory as per the Indian Motor Law, however for complete protection of your vehicle from vehicular damage losses it is highly recommended. |
| Add-ons | You cannot customise third party cover with any add-ons. | You can customise own damage cover with various riders like zero depreciation, emergency roadside assistance, etc. |
| Coverage | It provides coverage for only third party liabilities. This includes damage to third party property/person including death of the person by the insured person’s vehicle. | It provides coverage for damage and loss incurred by the policyholder’s vehicle. |
| Premiums | The premium for third party is lower and also has a fixed rate for different engine cubic capacity vehicle determined by IRDAI. | The premium is higher than third party cover. |
| Depreciation | The depreciated value of the two- wheeler is taken into consideration at the time of claim and premium calculation. | The depreciation value is not considered while calculation premium or claim amount. |
Comprehensive Bike Insurance Cover vs Comprehensive Bike Insurance Cover with Add-ons
If you are buying a two wheeler insurance policy, you must know major differences between the third party cover and own damage cover. Let us see below differences between third party cover and own damage cover.
| Features | Comprehensive Bike Insurance Cover | Comprehensive Bike Insurance Cover with Add-ons |
|---|---|---|
| Meaning | It provides holistic coverage for both own damage and third party liabilities. | By adding unique add on covers like no claim bonus protection, engine protection, roadside assistance, the policyholder get coverage for specific requirements as per their needs. |
| Premium | The premium without add on covers is less. | Since add on covers are added with the plan, the bike insurance premium price increases. |
| Flexibility | With comprehensive two wheeler insurance you just get coverage for third party damaged and own damages due to any insurable perils. | Here policyholder can customise their policy by choosing riders from 8+ add on covers available with HDFC ERGO bike insurance plan. |
Here’s a simple step-by-step guide on how to buy or renew two wheeler insurance for your old bike online:
How to Buy or Renew Two Wheeler Insurance for an Old Bike
Get a Quote Online
Visit the HDFC ERGO website and click on the Bike Insurance icon on the homepage. Enter your bike’s registration number along with other required details, then click Get Quote.
Choose Your Insurance Cover
Select the type of insurance you want: Comprehensive Cover: Covers both own damage and third party liabilities. Standalone Own Damage Cover.
Add Personal Accident and Add-ons
You can add personal accident cover for passengers and paid drivers. If you opt for comprehensive or own damage cover, customize your policy further with add-ons.
Check Your Premium
View your bike insurance premium based on the selected options.
Make Secure Payment
Pay your premium online through a secure payment gateway.
Receive Your Policy
Your two wheeler insurance policy document will be instantly sent to your registered email ID or via WhatsApp.
