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HDFC Ergo Car Insurance
An HDFC Ergo car insurance policy compensates a policyholder if the insured car meets with an unforeseen risk on the road. This motor insurance policy by HDFC Ergo General Insurance Company protects car owners from third-party liabilities, losses from theft, fire, natural and manmade calamities and other accidental damages.
About HDFC Ergo General Insurance Company
A joint venture between HDFC Ltd. and ERGO International AG of Munich Re Group, HDFC Ergo General Insurance Company offers a range of general insurance products, including motor insurance for different vehicles.
The insurance company aims to provide innovative products and services at budget-friendly costs. It is also committed to growing by being actively involved in the needs of its customers.
Key Features of HDFC Ergo Car Insurance
| Features | Coverage and Benefits |
| Third-Party Coverage | Yes |
| Claim Settlement Ratio | 99% |
| Personal Accident Insurance | Up to Rs. 15 Lakh |
| Network Garages | 8,200 |
| No Claim Bonus | Yes |
| No. of Zero Dep Claims | Unlimited |
| No. of non-ZD Claims | Unlimited |
Benefits of HDFC Ergo Car Insurance
By purchasing an HDFC car insurance policy, a policyholder can get the following benefits:
- The insurance provider offers a smooth and hassle-free motor insurance claim experience to its customers
- The company is also known for having a record of a 99% claim settlement ratio
- Discounts such as NCB rewards, voluntary deductibles, anti-theft discounts, etc., are offered when purchasing HDFC ergo motor insurance.
- Another interesting benefit of this company is the “Overnight Vehicle Repairs” service, which offers repairs during the night and gets the car back in shape by morning.
Types of HDFC Ergo Car Insurance Policy
HDFC Ergo General Insurance Company offers three types of car insurance policies. These include:
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HDFC Ergo Third Party Car Insurance
The HDFC third-party liability insurance provides compensation in case of accidental death, injury and property damage of the third person.
Third-party car insurance is mandatory coverage that every car owner in India must have. The coverage offered under this policy is limited to Rs. 7.5 lakh for TP damages, while for death or disability, the coverage is unlimited. -
HDFC Ergo Standalone Own Damage Car Insurance
The standalone own damage car insurance policy by HDFC Ergo General Insurance Company offers coverage to the insured car when it sustains damages due to unforeseen incidents. Damages arising from theft, natural calamities, man-made calamities, fire, etc., are covered under this plan.
This policy can be purchased with third-party car insurance to enhance the coverage to the car's own damages. -
HDFC Ergo Comprehensive Car Insurance
An HDFC Ergo comprehensive car insurance policy offers broad coverage as it includes both third-party liabilities and the insured car's own damages. This vehicle insurance policy covers losses to the insured car due to road accidents, natural disasters, theft, fire, collisions, etc.
Moreover, it also covers accidental third-party liabilities caused by the insured four-wheeler.
HDFC Ergo Car Insurance Premium Calculator
An HDFC car insurance premium calculator is an online tool for calculating motor insurance premium before buying a four-wheeler insurance policy. .
Coverage under HDFC Ergo Car Insurance
- Third Party Liability: Damages such as third-party death, bodily injury and property damage.
- Accidental Damages: Damages caused to the insured car due to collision or road accident
- Theft: Losses arising out of the theft or burglary of the insured car
- Manmade Acts: Damages sustained by the insured vehicle due to manmade acts like strikes, riots or terrorist activities
- Natural Calamities: Losses caused due to natural calamities like earthquakes, cyclones, hurricanes, etc.
- Fire: Losses sustained by the insured car due to fire or explosion are covered
- In-Transit: Accidental damages to the insured car when in transit via rail, road, water or air.
- Depreciation: The normal wear and tear sustained by the insured car due to depreciation
- Illegal Driving: Damages sustained by the insured car when the driver was driving without a driving license or under the influence of alcohol are not covered in the policy
- Consequential Losses: Consequential losses that do not occur directly due to an accident
- Electrical Breakdown: The policy does not cover any electrical or mechanical breakdown sustained by the insured car.
- Geographical Limit: Accidental claims arising outside of the geographical location as mentioned in the policy.
HDFC Ergo Car Insurance: Add-ons
NCB Protector
As the name suggests, this add-on protects your earned No Claim Bonus reward even if you raise a claim during a policy year. A No Claim Bonus reward is earned for not raising a claim, but as soon as you raise a claim, this reward gets nullified.
To protect your reward from being nullified, purchasing an NCB Protector add-on will be the right option.
Zero Depreciation Cover
The depreciation of the insured car is not covered in the standard car insurance policy. Thus, when you raise a claim, the insurer deducts the value of depreciation borne by the vehicle over the years.
However, under zero dep add-on, the insurer will pay the whole claim amount without deducting any depreciation.
Return to Invoice Cover
The return to invoice cover add-on lets you receive the current invoice value of the car in the event of a total loss, damage or theft of the insured vehicle.
Moreover, the first-time registration charges and road tax are also paid by the insurer.
Consumables Cover
A Consumables add-on offers coverage for repairs or replacement of consumable items like oil filters, brake oil, lubricants, engine oil, etc.
All these items are usually not covered under a standard four-wheeler insurance policy.
Loss of Personal Belongings
A standard comprehensive car policy does not provide compensation for the loss of any personal belongings in a car accident.
However, by purchasing this add-on, you can get coverage for personal belongings such as laptops, cellphones, vehicle documents, etc., present in the insured vehicle.
Engine and Gearbox Protection
Any damage to the car’s engine, unless accidental, is not covered under a standard HDFC car insurance policy.
By buying engine protection add-on, a policyholder can get financial coverage for any damage to the engine and gearbox caused by water ingression, oil leakage or any other accidental means.
Tyre Secure Cover
Damages to the tyre of an insured vehicle are not covered under a standard car insurance policy.
Under this add-on, a policyholder can be compensated for the repair or replacement of the insured car's tyres and tubes.
How to Renew HDFC Ergo Car Insurance?
Car insurance renewal is a critical step to continue receiving the benefits of your car policy. An HDFC car insurance policy can be easily renewed by following these steps:
- Visit Policybazaar.com and navigate to the 'Car Insurance' form
- Fill in the car number in the given form
- Select the details of your car, such as RTO, make, model, variant, and registration year
- Select your previous policy expiry date and claim details
- Fill in the given registration form with your name, email and mobile number
- From the given four-wheeler insurance plans, select the HDFC Ergo car insurance plan
- Select any add-on from the 'Addon and Accessories' dropdown
- Pay the premium amount via the online payment mode.
- Once you have paid the final premium, your HDFC car insurance policy documents will be sent to your email ID.
How to File a Claim Under HDFC Ergo Car Insurance?
If your car has met with an unforeseen peril, you must immediately raise a claim under your four-wheeler insurance policy. Here is how you file an HDFC Ergo car insurance claim:
1
Intimate the Insurance Provider
As soon as your car sustains unforeseen damages, make sure to inform your insurer about it.
2
Get Your Car’s Damages Assessed
Upon intimation, the insurer will send a surveyor to assess the damages caused to the insured four-wheeler.
3
Submit the Required Documents
Now, submit the required mandatory documents to the surveyor for the verification of the HDFC Ergo car insurance claim.
4
Send Car for Repairs
The surveyor will now send the car to the insurer’s authorised network garage for repairs
5
Final Claim Settlement
Once the car is repaired, the insurer will directly settle the claim with the network garage. If the car was not repaired in a network garage, the insurer will reimburse the claim amount after the repairs.
Documents Required to Raise a Claim Under HDFC Ergo Car Insurance
To raise an HDFC Ergo car insurance claim successfully, make sure to keep the following documents handy with you:
- Car insurance documents
- Duly filled and signed HDFC Ergo car insurance claim settlement form
- KYC documents
- Copy of car's registration certificate
- Copy of Police FIR
- Repair bills and repair estimates
Car Insurance for Popular Brands in India
FAQs
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Q1. Can I get an HDFC Ergo car insurance policy download online?
Ans: Yes, you can easily download a soft copy of your HDFC Ergo motor insurance policy from the insurer's website or Policybazaar.com. -
Q2. Will I need any documents for HDFC Ergo car insurance renewal?
Ans: No, you will not need any documents to renew your HDFC Ergo four-wheeler insurance policy online. You only need your car details, like car number, make, model, etc., to renew your policy from us. -
Q3. Does HDFC Ergo offer a cashless repair facility?
Ans: Yes, HDFC Ergo offers a cashless repair facility in 6000+ cashless garages across India.
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Q4. Is there any discount I can avail on the purchase of an HDFC Ergo car insurance policy?
Ans: Yes, you can avail following discounts on the premium of an HDFC Ergo motor insurance policy:- Discount on installing an anti-theft device
- Discount on becoming a member of the Automobile Association of India
- No Claim Bonus discount
- Early Bird discount (on purchase from Policybazaar.com)
- Discount on Voluntary Deductibles
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Car insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.