HDFC ERGO CAR INSURANCE

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.

1 crore+ securedand satisfied customers.
Policies and plans upgraded to cover most risks your car may be subjected to.
Overnight car repair services.
ISO certification for policy issuance, customer servicing and seamless information security processes.
ICRA recognized IAAA rating and highest claim-paying ability.
Paperless and time-savingonline transactions option.
Excellent automated and round the clock customer support.

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

Extensive coverage against losses/damages to your car caused by accidents, burglary, theft, explosion, fire, lightning, terrorist acts, riots, transit by rail/road/air, earthquake, flood and third-party liabilities.
Special add-ons such as 'Zero Depreciation' and 'No Claim Bonus Protection' for optimising insurance coverage.
6,000+ network garages spread all over India.
Minor accidental damage repair from dusk to dawn, pick up and delivery at your doorstep.
Up to 70% discount on your car insurance premium and instant paperless renewal.
Possibility of an additional discount if the policyholder is above 35.
Claim registration via IPO app/website.
Unlimited claims with no restriction on registration.
Quickly register/track claims, receive updates on your mobile and choose your preferred claim settlement mode.
Claim approvals within 30* minutes.
Easy to purchase/renew the policy online by filling-in basic details and comparing plans/quotes.

HDFC ERGO Car Insurance Policies

1-Year Comprehensive Policy: Complete protection against accidents, fire/explosion, theft, calamities [natural and man made], personal accidents [coverage for treatments + co-passengers (slight change in the premiums)] and third party liabilities.
Long-Term Comprehensive Car Insurance: Covers personal accidents, fire/explosion, theft, calamities, other accidents and third party liabilities.
Standalone Own-Damage Policy: Covers accidents, fire/explosion, theft and natural calamities. One must have a third party liability policy that is valid for at least a year.
Third-Party Liability Policy: Includes 'Personal Accident Cover' for owner-driver (only with valid driving license). You may not opt for this cover if you already have personal accident policy worth 15 lakh rupees or another policy with 'Personal Accident Cover' of 15 lakhs. Covers third-party liabilities and property damages (up to 7.5 lakh) in case you accidentally collide with another person’s vehicle or property.

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

Zero Depreciation Cover: Get the entire assessed amount with no depreciation cuts. The customer should pay nominal policy excess or deductible.
No Claim Bonus Protection: Protects your earned 'No Claim Bonus' (20% for the same year) and takes it to the next year slab of 25% even when you claim damages to a parked vehicle or a windshield glass due to external impact, collision, fire, flood or other calamities. Cover can be availed up to 3 claims during the entire insurance duration.
Emergency Assistance Cover: Provides round-the-clock assistance for technical/mechanical breakdown issues. Includes minor repairs on-site, lost/duplicate-key assistance, battery jump starts, tyre changes, fuel tank emptying and towing charges. Your vehicle can be towed to the nearest garage up to 100 km from your declared registered location.
Return to Invoice:Also get the difference between invoice value and the IDV in addition to receiving the IDV (Insured Declared Value) of your car when it gets stolen or faces total damage. FIR must have been filed, and the car should not have been recovered within 90 days. You also get registration charges and applicable taxes. Excess/deductibles will have to be borne by the customer.
Engine/Gear Box Protector: Protective coverage for damage to your car's gearbox and engine during rains or rushing flood waves. Pays for replacement/repair of child/internal parts. Also includes labour/compression tests costs, machine and engine cylinder re-boring charges.
Key Replacement Cover: Get the replacement at the earliest in case of misplaced, lost or stolen keys.
Cost of Consumable Items: Covers all consumables, pays for non-reusable consumables like nuts, bolts, screws, washers, lubricants, bearings, gaskets and filters used in your car.
Loss of Use-Downtime Protection: Covers all expenses made on cabs (as stated in the policy schedule) and provides a cash allowance benefit for using other means of transport for daily conveyance when your car goes for repair.

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

Depreciation in the value of your car is not covered.
Electrical/Mechanical Breakdowns remain uncovered.
Damage to Tyres/Tubes. Cover is limited to 50% of the replacement cost only when the vehicle is also damaged at the same time.
Driving Under the Influence of Drugs/Alcohol/Substances brings you out of the car insurance coverage scope.
Driving Without a Valid License.
Damage/Loss attributed to war, mutiny or nuclear risks.
Any Loss or Damage outside India.

HDFC Car Insurance Policy: Discounts

Age-specific Discounts: 5% for the insurer (35- 45 years old) and 10% (46-60 years) on the Own-Damage section of the policy.
Occupation-specific Discounts: 5% discount on the Own-Damage section of the policy for practising chartered accountants, defence/paramilitary/armed forces personnel, government-approved schools/educational institutions’ teachers, central/state government employees and doctors recognized by the medical council.
No-claim Discount of 20%on the premium of the second year if zero claims are made throughout the year. Up to 50% for consecutive claims-free years.
A Discount for installing approved anti-theft devices in your car.
Other discounts for holding a membership with recognized automobile associations in India.

HDFC ERGO Car Insurance Premium Calculator

Your car insurance premium depends on the IDV, the make/model, the 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 quickinsure.co.in 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 quickinsure.co.in.

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.