HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution, and ERGO International AG. In the retail space, the company provides a wide range of general insurance products such as motor, health, travel, home, and personal accident insurance, as well as customized products such as property, marine, and liability insurance in the corporate space.

HDFC ERGO Third Party Car Insurance

It is a policy that protects you from liabilities arising due to third-party damage, injury, or loss. It could be a person or third-party property that was damaged because of your car.According to the Motor Vehicles Act of 1988, this is compulsory coverage, and all motorists must be insured against their liability to other people or property.

HDFC ERGO Third Party Car Insurance Benefits

Not having a valid third party car insurance policy can lead to hefty fines and even confiscation of your driving license. Hence, it is essential to have at least a third-party insurance policy. Plus, it is also beneficial because it is less expensive than other plans and saves you from legal complications. Other benefits of buying third party insurance from HDFC ERGO include:

  1. Instant Policy, No Paperwork Hassle
  2. Wide Network of Cashless Garages
  3. Personal Accident Cover up to Rs. 15 Lakhs
  4. Easy Claim Process

What is covered under HDFC ERGO third-party car insurance policy?

Basic third party insurance covers injury caused to third party persons, damage to property of vehicle of the third party, and death of a third party person caused by the insured vehicle.

Exclusions in HDFC ERGO Third Party Car Insurance

A few exclusions have been mentioned here for your reference. Please make sure to read policy documents carefully. Want to know more? Get in touch with our advisors at Quickinsure. We’re happy to assist you.

  1. Your third party liabilities are not covered if your car has been involved in activities including but not limited to organized racing, speed testing, reliability testing.
  2. The policy would also not cover any contractual liability that a policyholder may have towards the insured asset, that is, the car. Contractual liability refers to any claim that may arise because of the policyholder entering into acontract.
  3. Any damage to the car due to war, terror attacks, invasion, foreign enemy action, civil war, mutiny, rebellion, hostilities, radiation, or nuclear material or weapons are not covered under a standard motor policy.


 How to Buy HDFC ERGO Third Party Car Insurance

Step 1- Visit the

 Step 2- Enter your vehicle’s registration number.

Step 3- Enter the required details and the HDFC ERGO third-party car insurance quote will be shown on the screen.

Step 4- Select the quotation and proceed to fill out the proposal form.

 Step 5- Verify that you’ve filled in all details correctly.

Step 6- Proceed to payment with the ‘Pay Now’ option.Once the payment is completed, you will receive your policy on your mail ID. In case of any query, write to

Frequently Asked Questions regarding HDFC Ergo Third Party Car Insurance

  1. Someone else was driving my car at the time of the accident, will my losses be covered?

Yes, your HDFC ERGO third party policy will cover such losses given that the person driving your car holds a valid driving license, and was not under the influence of alcohol or drugs.

  1. What is deductible in third party insurance?

A deductible is the small portion of the claim that the policyholder bears. There are no deductibles involved in third party car insurance because damage to the policyholder’s car is not included in the policy.

  1. What is the premium for HDFC ERGO third-party car insurance?

Your insurance premium is determined by factors such as the age of the car, fuel type, value of car, car model, safety features in the car, and the car’s geographical location. Visit the Quickinsure. Enter your registration number and get your premium amount instantly, hassle-free.

  1. What does third party insurance cover?

Third-party liability insurance covers injury to third-party, damage to the third-party vehicle's property, and death of a third-party caused by the insured vehicle.


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