HDFC ERGO General Long Term Two Wheeler Package Policy

• Loss/damage cover for the vehicle insured
• Cover towards liability to third parties
• Personal Accident Cover for Owner cum Driver
• Choose add-ons to enhance coverage
• No claim bonus protection
• Premium discount upon opting long term policy
• Instant and easy online policy issuance
• 24x7 dedicated claim assistance
• Cashless claim service at authorized garages across the country
• Quick and easy claim disbursement process

Own Damage Cover

Loss or damage to the vehicle insured and/or its accessories is covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 1 lakh is payable towards personal accident cover during any one period of insurance.

No Claim Bonus

NCB protection during policy period is available, irrespective of claim status of your vehicle.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Emergency Road Side Assistance: With this add-on cover, the insured can get assistance while stuck on the road. It provides service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and much more.
• Zero Depreciation: It pays the depreciation amount deducted on the value of the parts replaced for an approved claim, in case of loss or damage caused to the vehicle insured.
• Additional Legal Liabilities: Additional legal liabilities towards Paid driver employed for operation of vehicle is covered.
• Personal Accident Cover: Additional personal accident cover is available for named & unnamed passengers, as stated in the policy schedule.

Following are the conditions that are not covered under this policy:

• General ageing, wear and tear
• Mechanical or electrical breakdown & failure
• Vehicle is used outside the geographical area
• Any claim arising out of contractual liability
• Vehicle being used other than as specified under ‘Limitations as to Use’
• Loss/damage outside India
• Loss/damage attributable to war, mutiny, nuclear risks, etc.