Hero Company Overview

Honda Motor Company Ltd is a Japanese company founded in India in 1999 under the name India Motorcycle and Scooter India Pvt Ltd. It is a subsidiary of Honda Motor Company Ltd. for Hero Honda Motors Ltd.

However, due to the growing differences between the two partners, the company quickly closed the joint venture in 2010. Since then the company operates under this name.

Honda is one of the few companies that has revolutionized the Indian two wheeler market with a wide range of products. It now occupies the second position as a producer of two wheeler vehicles in the country.

Honda has 4 production sites in the country, Gurgaon, Tapukara in Rajasthan, Narsapura near Bengaluru, Karnataka, and Vithalapur in Gujarat.

Honda experienced a dramatic change in sales last year with its flagship product Activa. Activa has dominated the two wheeler market since its launch in 2000. Over the years, the company has made many new launches, which have become a winning model for the company.

Two wheeler insurance plays an important role in motor insurance. Since then the concept of Hero Motcorp Insurance started for Hero company.

Also read: Two Wheeler Vehicle Insurance Renewal Online

Hero Motocorp Insurance for Hero Bikes and Scooters

It is very easy to take out Hero insurance for two bikes. There are many channels through which you can easily block a two-wheeler Hero motocorp insurance.

It is advisable to take out insurance for two-wheelers, as the number of road accidents, especially for two-wheeler vehicles, increases every two days. If you make sure, you will get a protective blanket that you can use in difficult times.

Driving a Hero car without insurance is illegal and risky. The government requires that all vehicles on the Indian road have insurance. Even driving without Hero insurance is punishable and you can be fined.

If the Hero insurance is no longer in effect or has expired, non-timely Hero motocorp insurance will result in an increase in the insurance premium and a fine in subsequent years.

There are two types of Hero insurance that can be purchased for Hero two-wheelers:

  1. Third Party Two wheeler Hero Insurance
  2. Comprehensive Two wheeler Hero Insurance

As the name suggests, the third party insurance covers only legal liability and damage to property or third parties caused by an accident or damage. It offers no protection for the vehicle or the owner.

Full coverage, however, covers all types of situations, such as theft, accident, personal injury, damage, third-party warranty, natural disasters, man-made disasters such as fires, demonstrations, clashes, etc.

The coverage is relatively lower than the total coverage. Due to the capacity to cover the contract, Hero Motocorp insurance premium for comprehensive coverage is higher.

Buying comprehensive two wheeler insurance is essential for all two wheels. The Hero Motocorp insurance is intended to protect the vehicle and the owner from damage caused by natural or man-made disasters, including acts of terrorism.

If you have a two wheeler, purchasing this insurance policy will protect you from accidents, theft, liability, etc. It is important to keep your bike safe. The best way to do this is to have adequate insurance.

There are some optional additional covers for the comprehensive two-wheeler Hero insurance policy that will increase the duration of the basic coverage. Optional covers are available for an additional Hero insurance premium but are useful in the long term.

There are many other optional covers in Hero Motocorp Insurance Policy:

  • Zero Depreciation
  • Roadside Assistance
  • Anti-theft device
  • No Claim Bonus
  • Return to Invoice
  • Personal Accidental Cover
  • Pillion Rider Cover
  • Engine Protection Cover
  • Key-replacement cover

Online shopping for Hero insurance companies is simple and convenient, as little or no paper is needed and everything can be processed digitally.

You can also compare different insurers and the benefits of different two wheeler insurance policies and choose the best option that fits your needs.

It is also possible to opt for the settlement of credits without cash at the time of purchase of the Hero insurance.

The insurer is connected to various garages and hospitals where it is possible to use non-cash facilities in the event of a medical emergency resulting from an accident or mechanical failure of the insured vehicle.

After a thorough online search, choose your two-wheeler Hero insurance policy carefully because it is a competitive market and you risk losing a lot if you don’t do your research properly.

Your two-wheeler Hero insurance is a matter of freedom and two-wheeler HCSL insurance is designed to get rid of you. Our complete two-wheeler Hero Motocorp insurance protects your motorcycle or scooter from physical damage, theft and third parties.

Also read: IFFCO Tokio Bike Insurance Plans

Features of Cover for Hero Insurance

Loss or damage to the vehicle from natural disasters:

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

Loss or damage to the vehicle due to man-made accidents:

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

Personal Accidental Coverage

Coverage is available in cases where the owner or driver of the vehicle drives or drops while driving or cycling. You can also get optional accidental two-wheeler Hero insurance for passengers.

Third Party Legal Liability Protection

This is one of the most important coverage options for motorcyclists. Insurance coverage includes liability insurance, which is due to unintentional damage involving permanent damage, death of a person and damage to the surrounding property.

It is extremely important to understand the details of this Hero insurance coverage by consulting the police documents and carefully reading the terms and conditions.

Exclusions for two wheeler insurance policy

  • Normal wear
  • General aging of the vehicle depreciation indirect damage
  • Mechanical failure
  • Electrical fault
  • Damage to tires and pipes (if the vehicle is not damaged)
  • Vehicles not used in accordance with usage restrictions
  • Damage to a person driving vehicles or cars without a valid driving license
  • Damage to/from a person driving the vehicle under the influence of drugs or alcohol
  • Loss/damage caused by war, mutiny or nuclear risk
Hero Insurance

Add-on covers of Hero Insurance

No depreciation:

A unique advantage for all Hero MotoCorp 2 Wheeler customers

This is an additional two-wheeler Hero insurance policy for all HCSL insurance policies that do not allow for repayment claims for repaired damages for the replacement of damaged parts. This coverage applies to all two-wheeler vehicles insured in the HCSL system.


  • ND Cover covers the renewal of all new vehicles and old vehicles.
  • The two-wheeler Hero Motocorp insurance cover is valid up to the age of 3 years of the vehicle from the beginning of the insurance.
  • No clause overriding complaints.
  • The inclusion did not permit supplementary medium-term insurance.


Claims do not deduct from any request for loss of repair due to the replacement of damaged parts (Total loss and CTL are billed based on IDV). Hero Motocorp Insurance claims are basically the money that is used during any accident that has been occurred.

Hero motocorp insurance policyholders can claim two-wheeler insurance online.

Return to Invoice

Hero Corporate, in collaboration with its Hero insurance partner, has implemented innovative insurance coverage for all Motocorp customers.


  • Invoice Protect can be sold to any Hero Motocorp customer.
  • Difference between the current price of the insured vehicle invoice and the declared value of the insured person.
  • Initial registration fee, premium for motor vehicle damage and vehicle tax on the insured vehicle, the amount of which does not exceed 10% of the current invoice price.

Underwriting Guidelines

  • Allowed for all Hero Motocorp vehicles and HCSL extensions for 2 years (subject to the following conditions).
  • For all applicable HCSL renewals, a vehicle renewal survey is inevitable.
  • Applicable only if the vehicle is insured by the HCSL system
  • Applicable only if the vehicle is insured before the delivery date
  • Medium-term insurance coverage is not permitted
  • The cover is available only for the original purchaser of the Hero Motocorp vehicle.
  • The insurance expires if the vehicle is sold/transferred for the duration of the policy.
  • A normal deductible would apply under the section on clean damages.
  • The billed premium that is not eligible for the calculation of the NCB.
  • An RTO receipt for registration fees and vehicle tax would be required at the time of the complaint.

FAQs on Two Wheeler Hero Insurance Policy

Q. Is the applicant equally insured?

The person who buys Hero Motocorp insurance is the insured person. The applicant is the person who offers insurance of the insured person’s name. The insured and the candidates are the same in the case of self-insurance (assuming that the insurance carries its own name).

Q. What is the NCB in bicycle insurance?

Definition: No Claim Bonus (NCB) is a reduction in the premium offered by insurance companies when the vehicle owner has not submitted a single claim during the motor insurance period.
Description: The no-claims bonus is a reward for the vehicle owner for his prudent use.

Q. Who is the Hero insurance applicant?

Hero Insurance contractor or applicant. A Hero Motocorp insurance contractor is a person or organization to whom the insurer delivers the contract. More clearly defined as the person to whom the insurance company pays the benefits of the insurance policy in the event of a claim.

Q. What is the percentage of the NCB in Hero Motocorp Insurance?

Definition of the No Claim Bonus (NCB). NCB is a discount that the insurer grants to an insured person if it does not claim during the insurance period. The NCB can accumulate over the years and the discount varies from 20% to 50% of your bonus.

Q. How old am I having a complaint?

If you have time off the road without your Hero Motocorp insurance policy, your bonus will not be valid forever. Your NCB test is often only valid for two years. Therefore, at the end of the two years, you have to start over if you decide to drive again.

For more details of Hero insurance policy use help.

This article was written by

Abhishek A. Kamble (Digital Marketing Executive & SEO Expert)

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