
Used Car
Continue without
Registration Number
I have
Brand new Car
HDFC ERGO motor insurance policy protects you from various unforeseen risks that could damage your car or lead to claims from third parties during accidents. It also helps in substantially lowering down the costs to be incurred on repairs or replacement of your car's parts.
HDFC ERGO serves millions of car owners across the country through its 6,800+ strong cashless garage network, a robust distribution infrastructure and more than 100 branches spread across 89 cities, making it the preferred choice for many.
Features & Advantages of HDFC ERGO Car Insurance Policy
HDFC ERGO Car Insurance Policies
Optional Extensions: (a) Unnamed personal accident cover for the unnamed individual in addition to the named one in the policy, (b) comprehensive coverage for damages to electrical accessories and non-electricals like alloy wheels and seat covers and (c) CNG-kit cover (must declare the installation of kit at the time of buying the policy).
HDFC ERGO Car Insurance Online: Add-On Covers
Policies |
1-Year Comprehensive |
Long-Term Comprehensive |
Third-Party Liability |
Car Insurance for Accidental Damage |
Yes |
Yes |
No |
Car Insurance for Theft |
Yes |
Yes |
No |
Car Insurance for Damage due to fire |
Yes |
Yes |
No |
Car Insurance Damage-natural disaster |
Yes |
Yes |
No |
Personal Accident cover |
Yes |
Yes |
Yes |
Damage to a third-party vehicle |
Yes |
Yes |
Yes |
Injury to a third-party person |
Yes |
Yes |
Yes |
Zero Depreciation |
Optional Add-on |
Optional Add-on |
No |
Emergency assistance |
Optional Add-on |
Optional Add-on |
No |
No claim bonus protection |
Optional Add-on |
Optional Add-on |
No |
Return to invoice cover |
Optional Add-on |
Optional Add-on |
No |
Engine & Gear Box protection |
Optional Add-on |
Optional Add-on |
No |
Key Replacement |
Optional Add-on |
Optional Add-on |
No |
Cost (Consumable Items) |
Optional Add-on |
Optional Add-on |
No |
Loss of Use- Downtime protection |
Optional Add-on |
Optional Add-on |
No |
Exclusions of HDFC ERGO Four Wheeler Insurance
HDFC Car Insurance Policy: Discounts
HDFC ERGO Car Insurance Premium Calculator
Your car insurance premium depends on the IDV, the make/model, year of purchase, registration and the city.
All available policies and plans can be explored by visiting HDFC ERGO's official website. As a useful alternative, online insurance comparison portals such as www.Quickinsure.com allow you to compare quotations, simplify and speed up the process of buying car insurance merely by adding the car's details.
HDFC ERGO Car Insurance Renewal & Application
One can apply for/renew a car insurance policy by viewing and comparing quotes online through insurance comparison platforms such as www.Quickinsure.com.
HDFC ERGO Car Insurance Review
HDFC ERGO car insurance is known for its quality services, quick solutions, 95% claim settlement ratio and seamless customer support.
Its comprehensive coverage, user-friendly add-ons and cashless garages protect your car in case of accidents while ensuring complete peace of mind.
HDFC ERGO Car Insurance: FAQs
Q: What is the extent of coverage provided by HDFC ERGO Car insurance policy?
It depends on IDV and the listed selling price of your car.
Q: What is IDV?
Insured declared value. It is deemed to be the sum insured fixed at the commencement of each policy period for every insured car. It is fixed based on the manufacturer’s listed selling price, varies as per the brand or the model of the car proposed for insurance at the start of insurance /renewal and is also adjusted for depreciation.
Q: Am I allowed to renew my other car's insurance with HDFC ERGO?
Yes, you are!
Q: Can I transfer my NCB accrued on my previous car insurance policy?
Yes, you can!
Q: How can I renew my expired policy?
Online, by downloading HDFC ERGO self-inspection application and uploading the documents. Your documents once approved lead to the next step where you receive a payment link for making the payment for policy renewal. Finally, you receive the policy copy.
Q: Can you explain the claim settlement process of HDFC ERGO?
Usually, it does not take over 3 business days for theft incidents or minor accidents. HDFC ERGO settles most claims within 7 business days. The proof of policy document and a duly signed claim form must be provided for the claim processing.
Q: What happens to my insurance policy when I sell my car?
Your insurance can be transferred in the name of the new buyer by passing an endorsement with supporting documents such as sale deed, form 29/30, NOC of seller and NCB recovery amount. You can also cancel the existing policy.
Q: Are there any benefits of buying car insurance online?
Multiple- No physical documentation/paperwork is required, and you get your car insurance policy instantly.
Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.