FAQ FOR HDFC ERGO CAR INSURANCE

Frequently asked questions for HDFC ERGO car insurance-

1. How does the HDFC ERGO determine the premium amount for private cars?

The premium to be paid is determined by several criteria, including the vehicle's IDV, the location and date of registration, the vehicle's cubic capacity, and so on.

2. Do I have to report to the Police Department in HDFC ERGO?

Yes, in the event of a third-party death, self-injury, or property damage to a third party, you should contact the authorities right away. Make an accident report and retain a copy of it.

3. In the context of HDFC ERGO car insurance, what is a constructive total loss?

When the cost of repairing a damaged car exceeds its current market worth, the loss is referred to as constructive total loss.

4. How does the insurance company determine the premium amount for private cars?

The premium to be paid is determined by several criteria, including the vehicle's IDV, the location and date of registration, the vehicle's cubic capacity, and so on.

5. Do I have to report to the Police Department in HDFC ERGO general?

Yes, in the event of a third-party death, self-injury, or property damage to a third party, you should contact the authorities right away. Make an accident report and retain a copy of it.

6. In the HDFC ERGO , what is a constructive total loss?

When the cost of repairing a damaged car exceeds its current market worth, the loss is referred to as constructive total loss.

7. What are the various types of car insurance policies in HDGC ERGO?

There are two types of car insurance-Comprehensive car insurance, Third party and stand-alone own damage policy

8. How does emergency assistance work?

Emergency assistance is an add-on cover and has to be purchased by paying an additional premium amount. It has various benefits like assistance in case of tyre replacement towing and fuel replacement etc. can be avail during policy duration Emergency assistance also known as Roadside assistance.

 

9. Is the car insurance policy premium refundable?

Yes, it is possible to cancel your car insurance policy and get a refund.

10. What is validity are allowed in HDFC ERGO car insurance?

Generally, the validity for any kind of car insurance has been for 1 year from the date of a policy, In July 2018 supreme court mandated that all new car insurance will compulsorily cover third party cover for 3 years.

11. Is there any exclusion in an HDFC ERGO car insurance policy?

Not every little damage repaired is borne by the company. Things like electrical breakdown, depreciation of car parts, general wear and tear, the influence of alcohol, or any man-made calamities are not covered by HDFC ERGO.

12. What is meant by endorsement in a car insurance policy?

It is a written document that addresses the agreed change in a car insurance policy. In short, Endorsement means a document that incorporates the change in policy terms as per the insured’s request.

13. Is car insurance policy can be transferrable?

Yes, If you are selling your car and you can transfer the car insurance policy too in the name of the new owner within the period of 15days

14. How many claims are allowed in the HDFC car insurance policy?

The policyholder of HDFC ERGO can make only three claims which are subject to damage or loss to the parked car by external factors, flood, earthquake, etc.

15. Is three years of car insurance Compulsory?

Yes, having third-party insurance is anyway mandatory for all car insurance as per Motor Vehicle Act, 1988.