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Hero Bike Insurance
Hero bike insurance helps protect your Hero two-wheeler from sudden expenses. Hero bikes are widely used for daily travel and family needs. Accidents can damage the bike. Theft can also cause loss. Natural events like floods or fire can harm the bike. Insurance helps cover these costs.
Due to the legal requirement of Hero bike insurance, third-party insurance is mandatory in India. A policy covers damage to your bike. It also covers loss caused to others. Insurance helps you ride with peace of mind.
Overview of Hero Bikes
Hero MotoCorp is an Indian two-wheeler brand that began its journey many years ago. The company was started by the Munjal family, led by Brijmohan Lall Munjal.
Before making motorcycles, the family set up Hero Cycles in Ludhiana, which later became one of the world's biggest bicycle makers.
In 1984, the motorcycle business began as Hero Honda, a partnership between Hero and Japan's Honda Motor Company. After the tie-up ended in 2010, the brand became Hero MotoCorp in 2011.
Today, it is based in New Delhi and is known as the world's largest maker of motorcycles and scooters by yearly sales.
Hero Bike Variants with Their Premium
The insurance premium for a Hero two-wheeler depends on the bike variant, engine capacity, and overall value. Below, you can find a list of Hero bike variants along with their insurance premium details.
Types of Hero Bike Insurance Plans
Hero bike insurance is available in different types. This helps you choose the right coverage based on your needs and budget.
- 01
Third Party Hero Bike Insurance
This is the mandatory Hero bike insurance required by law under the Motor Vehicles Act, 1988. It covers injury, death, or property damage caused to a third party by your Hero bike. It does not cover damage to your own bike.
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Comprehensive Hero Bike Insurance
This plan gives complete protection to your Hero bike. It covers third-party damage and also covers damage to your Hero bike due to accidents, theft, fire, and natural calamities. This plan is suitable if you want wider coverage. You can also choose add-ons with comprehensive Hero bike insurance for extra protection.
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Standalone Own Damage Hero Bike Insurance
This plan covers damage to your Hero bike only. You can buy it when you already have a valid third-party insurance policy. It helps manage repair costs caused by accidents or other covered events. Add-on covers can also be added to this plan.
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Add-On Covers Available for Hero Bike Insurance
Along with a standard Hero bike insurance policy, you can choose optional add-on covers to get extra protection. These add-ons are available with comprehensive and own damage bike insurance plans at an additional premium. Here is the list for add-ons:
Zero Depreciation Cover
Roadside Assistance Cover
Engine Protection Cover
Consumables Cover
Key Replacement Cover
Personal Accident Cover for Pillion Rider
No Claim Bonus (NCB) Protection Cover
Tyre Protection Cover
Return to Invoice Cover
Loss of Personal Belongings Cover
Documents You Need to Buy Hero Bike Insurance
Below are the documents that you need to have while buying Hero bike insurance online or offline:
Registration Certificate (RC)
Driving Licence
Previous Insurance Policy (if applicable)
Bike Invoice - For new bikes
IDV ( Insured Declared Value) details - For old bikes
Address Proof
Identity Proof
Payment Details
How to Buy Hero Bike Insurance Online
Buying Hero bike insurance online is easy and quick. It saves time and effort. Follow these simple steps to buy Hero two-wheeler insurance:
Step 1
Visit the Square Insurance website and click on Bike Insurance.Step 2
Select Got a New Two-Wheeler for a new Hero bike.Step 3
Enter the bike registration number for an already registered Hero bike and click "View Plans".Step 4
Choose the RTO, Hero bike model, variant, and registration year.Step 5
Compare Hero bike insurance plans from top insurers.Step 6
Select add-on covers and adjust the IDV, if needed.Step 7
Make a payment using a debit card, credit card, UPI, or internet banking.Step 8
Receive the Hero bike insurance policy in your email instantly.
How to Renew Hero Bike Insurance
Renewing Hero bike insurance on time helps avoid policy lapse and extra charges. The renewal process is simple and online.
- 1
Visit the Square Insurance website.
- 2
Select the option to renew your bike insurance policy.
- 3
Enter your policy number and basic details.
- 4
Review your existing coverage and update it if required.
- 5
Check the premium for your renewed Hero bike insurance.
- 6
Choose a payment method and complete the payment.
- 7
Your Hero bike insurance renewal will be completed instantly.
Hero Bike Insurance Claim Process
The Hero bike insurance claim process helps you get support in case of an accident or damage. Here are the simple and easy steps to follow:
- 1
Step - Inform the insurance company about the accident or damage.
- 2
Step - A surveyor will inspect your Hero bike.
- 3
Step - Fill in the claim form and submit the required documents.
- 4
Step - The insurer will approve the repair request.
- 5
Step - Take your Hero bike to a network garage for repairs.
- 6
Step - The insurer will pay the garage directly after repairs.
- 7
Step - Pay any amount not covered under the policy, if required.
How a Hero Bike Variant Affects Your Insurance Price
Your Hero bike variant plays a key role in deciding the insurance amount:
- 01
Engine capacity
Higher cc Hero bikes attract higher insurance premiums.
- 02
Bike cost
Premium Hero variants cost more to insure than basic models.
- 03
Spare parts and repairs
Variants with costly parts or advanced design can increase the premium.
- 04
Bike category
Sports or premium Hero bikes usually have higher premiums than commuter models.
- 05
Extra features
Features like ABS, disc brakes, or smart tech may slightly raise the insurance cost.
- 06
Usage risk
Powerful or frequently used Hero bikes are seen as higher risk by insurers.
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Hero Bike Insurance FAQs
Hero bike insurance is a policy that protects your Hero two-wheeler against damage, theft, and third-party liabilities. It also helps cover repair costs after an accident.
Yes, as per Indian law, at least third-party Hero bike insurance is compulsory to ride your Hero bike on public roads.
Hero bike insurance can cover third-party damages, own bike damage due to accidents, theft, fire, natural calamities, and man-made disasters, depending on the policy you choose.
The premium for Hero bike insurance depends on factors like bike model and variant, engine capacity, bike age, location, and the type of cover selected.
Yes, you can easily renew Hero bike insurance online by entering your policy and bike details, comparing plans, and making a quick payment.
If your Hero bike insurance expires, your bike remains uninsured and illegal to ride. You may also lose benefits like No Claim Bonus and face higher premiums during renewal.