HDFC ERGO General Two Wheeler Liability Only Multiyear Insurance Policy

• Cover towards liability to third parties
• Personal Accident Cover for Owner cum Driver
• Liability Long term protection with 2 & 3 years insurance policy
• Instant online policy issuance without any paperwork
• No need to renew the policy every year
• Fair & transparent claim settlement
• Toll free help line to resolve policy queries and claim intimation
• Choose add-ons to enhance coverage
• 24x7 dedicated claim assistance
• Cashless claim service at authorized garages across the country

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.

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

• Personal Accident Cover: Additional personal accident cover is available for named & unnamed passengers, as stated in the policy schedule.
• Cap on Third Party Property Damage: This add-on cover ensures that the Third Party Property Damage is covered upto Rs 6,000 only.

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

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