Customer Renewals

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Renew your policy in 3 quick steps:

1. Tell your Mobile no./Policy no.  2. Get Personalised Premium  3. Pay & get Policy Instantly


You will be redirected to for renewal


  • Nearly Cashless settlement at authorised dealerships.
  • Hassle-free claim settlement
  • Competitive premium
  • You can renew your bike insurance even after expiry date at any time thru HIBIPL online system
  • Any time claim support
  • Comprehensive coverage that insures against theft, third party liability, vehicle damage & accidental covers for owner as well as co-passengers
  • Regular updates of your claim status
  • Protection against annual increase in Third Party Insurance premium


Call: 1800 102 4376

Write: [email protected]

Two wheeler, Bike & motorcycle insurance renewal online We understand that 2-wheelers are one of the most economic & convenient ways to travel. But along with convenience, there are some unexpected risks associated with these vehicles like accident & theft. The comprehensive two wheeler insurance policy is an ideal solution to keep your vehicle and owner secure against various damages caused by natural and man-made calamities, including acts of terrorism. It gives you protection against liabilities arising from damages to a third party due to accident.

Plans Available with Us:


  • Renewal Frequency
  • Premium Hikes
  • NCB Benefit
  • NCB Benefit after a Claim
  • Mid-Term Cancellation Refund

3 Years Long Term Insurance Package:

  • Once in 3 years
  • The TP premium is unchanged during policy period
  • Additional benefit is offered during renewal with NCB
  • Though, NCB can reduce but is not completely gone
  • Proportional refund provision even you claim for the policy within the period

1 or 2 Year Insurance Packages:

  • Every year you are flexible to renew the policy
  • The TP premium will increase each year
  • The NCB benefit is provided according to tariff
  • NCB is going to be 0 with just one claim
  • No refund policy is associated with the plan if you make claim during the period

(Note: The premium rates of short term plans are lower than long term plans but long term plan holds a range of benefits.)

The differences between the short term and long term plans are mentioned above. The coverage of long term plans are almost same to the coverage offered under1/2 year comprehensive plans. You are flexible to choose any two wheeler insurance packages from us. At Hero Group, we give equal services to both short term and long term plan holders.

Long Term Two Wheeler Insurance

With the option to choose up to 3-year policy period, HIBIPL offers instant bike insurance facility at affordable prices. The policy holders pay the fix premium for 3 years and relax for next 3 years without taking any hassle of annual renewal. The plan helps to protect against the statutory increase in third party liability premium which is regulated by the government.

The Coverage for 1 to 3 Year Bike Insurance

Make sure you know what is covered in your two wheeler insurance policy before investing on one. The basic cover features for such plans include:

Loss or Damage to your Vehicle against Natural Calamities:

  • Fire
  • Explosion
  • Self-ignition
  • Lightning
  • Earthquake
  • Flood
  • Typhoon
  • Hurricane
  • Tempest
  • Inundation
  • Cyclone
  • Hailstorm
  • Frost
  • Landslide
  • Rockslide

Loss or Damage to your Vehicle against Man-made Calamities:

  • Burglary
  • Theft
  • Riot
  • Strike
  • Malicious act
  • Accident by external means
  • Terrorist activity
  • Damage in transit by road
  • Rail
  • Inland waterway
  • Lift
  • Elevator
  • Air

Personal Accident Cover Coverage

The cover is offered under situations where the individual owner or driver of the vehicle mounts or dismounts from the two wheeler while driving or travelling. You can also get optional personal accident covers for co-passengers.

Third Party Legal Liability Protection

It is a crucial coverage available for bike riders. It provides protection against legal liability due to accidental damages resulting in the permanent injury, death of a person, and damage caused to the surrounding property. For every biker it is mandatory to buy two wheeler insurance and carefully check the policy document & its terms and conditions.

Exclusions for Two Wheeler Insurance Policy

  • Normal wear and tear
  • General ageing of the vehicle
  • Depreciation
  • Consequential loss
  • Mechanical breakdown
  • Electrical breakdown
  • Damage to tyres and tubes (unless the vehicle is damaged)
  • Vehicles being used otherwise than in accordance with limitations as to use
  • Damage to/ by a person driving any vehicles or cars without a valid license
  • Damage to/ by a person driving the vehicle under the influence of drugs or liquor
  • Loss/ damage due to war, mutiny or nuclear risk

Value Added Add-on Covers:

Nil Deprecation:- A unique benefit for all HIBIPL 2 wheeler customers

This is an add on cover for all HIBIPL Insurance Policies which allows no depreciation deduction from repair loss claims for replacement of damaged parts. This cover is applicable to all 2 wheelers insured on HIBIPL system.


  • ND Cover provides coverage to all new vehicles as well as vehicles for renewal;
  • Cover is up to age of 3 years of vehicle from the policy commencement date;
  • No claim excess clause
  • Mid-term inclusion of add-on cover is not allowed


  • Depreciation will not be deducted from repair loss claims, for replacement of damaged parts. (Total loss and CTL will be settled on the basis of IDV)

Return to Invoice

HIBIPL in association with its insurance partner launched an Innovative insurance cover for all its customers


  • Invoice protect can be sold to any HIBIPL customer
  • Difference between the current invoice price of the insured vehicle and insured’s declared value
  • First time registration charges, motor own damage premium paid and road tax incurred with respect to the insured vehicle, their sum subject to a maximum of 10% of current invoice price.

Underwriting Guidelines

  • Permitted For all Renewals through HIBIPL for 2 Years (Subject to below mentioned conditions).
  • Applicable on all HIBIPL renewal, incase of break-in renewal survey of the vehicle is must.
  • Applicable only if vehicle is insured through HIBIPL system
  • Applicable only if vehicle is covered from / prior to date of delivery
  • Mid-term cover is not permitted
  • Cover expires if vehicle is sold / transferred in mid-term of policy
  • Normal policy excess would be applicable under own damage section
  • Invoice protect premium not eligible for NCB calculation
  • RTO receipt for registration charges and road tax would be required at the Time of claim`