Frequently Asked Questions

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The law in the country makes it compulsory to insure your two wheeler. The compulsory nature of the law protects you against third party liability. Insurance protects this asset and helps you in coping with the financial loss caused by accidents, damage or theft. Another reason is that while driving, you are responsible for the safety of:

  • Your passengers
  • Your fellow drivers
  • Other people’s property
  • Pedestrians
  • Yourself

For every bike out there, we have two types of coverages you choose from:

Third Party Liability: Provides protection against the claims of another party who has incurred loss and damage to life/property caused by the insured vehicle

Standard Package Policy (Comprehensive Policy): This one is like the big family umbrella. Includes third-party damage as well as theft & damage caused to your own vehicle due to accident, natural disasters, fire, etc.

The IDV of two wheelers is to be fixed based on the manufacturer’s listed selling

price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation.  The schedule of depreciation for arriving at IDV is as below:

Age of the Vehicle % of Depreciation for fixing IDV
Not exceeding 6 months 5 %
Exceeding 6 months but not exceeding 1 year 15 %
Exceeding 1 year but not exceeding 2 years 20 %
Exceeding 2 years but not exceeding 3 years 30 %
Exceeding 3 years but not exceeding 4 years 40 %
Exceeding 4 years but not exceeding 5 years 50 %

If you sell your bike to another person, the insurance can be transferred in the name of the buyer. The buyer (transferee) has to apply for transfer of Insurance with us, within 14 days from the date of transfer of the vehicle in his name. If you want to substitute another two wheelers of you in this policy, the policy will not be transferred to the buyer. The buyer (transferee) has to buy a fresh insurance.

No Claim Bonus (NCB) is a discount on premium of the own damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period of one year. The NCB can be accumulated up to a maximum limit of 50% on own damage premium for two wheelers. You can transfer the full benefits of NCB, even when you shift your two wheeler insurance to any other insurer from current Insurance company.

Yes, in case you are changing from current insurance company to any other insurance company and have accrued some NCB from them, you can get the same transferred in case your two wheeler is insured within 90 days of your renewal due date.

Notify or submit a claim in the following way:

  • By calling Toll Free 18001230004 OR
  • By sending an E Mail to mycare@dhflinsurance.com OR
  • Through Customer Portal on website dhflinsurance.com OR
  • Using Mobile App OR
  • Directly walk into branch

While notifying the claim, following information should be provided:

  • Name of insured
  • Insured contact numbers
  • Policy number
  • Date and time of loss
  • Location of loss
  • Nature and approximate extent of loss

Place and contact details of the person at the loss location

toll free no. 18001230004 or

Mail at mycare@dhflinsurance.com

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