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HDFC Ergo Car Insurance
- Own Damage Car Insurance
HDFC Ergo Standalone Own Damage Car Insurance
HDFC Ergo Standalone own damage car insurance compensates for damages sustained by the insured vehicle due to unforeseen incidents. These include damages from road accidents, fire, theft, natural calamities, manmade acts, etc. This motor insurance policy can be purchased if you already have a third-party insurance to obtain higher coverage.
Key Features of HDFC Ergo Standalone Own Damage Car Insurance
| Categories | Key Features |
| Own Damage Cover | Yes |
| Mandatory | No |
| No Claim Bonus | Yes |
| Add-on Covers | Offered |
| Zero Depreciation cover | Yes |
| PA Cover | Upto Rs. 15 Lakh |
Coverage Under HDFC Ergo Standalone Own Damage Car Insurance
- Damages arising out of manmade acts like riots, strikes, etc
- Losses to the insured vehicle due to theft or burglary
- Losses arising out of fire, explosion or self-ignition
- Damages caused to the insured car while it was in transit via road, rail, air or water
- Damages sustained by the insured vehicle due to earthquakes, floods, typhoons, and other natural calamities.
- Damages sustained by the insured vehicle when the driver was under the influence of alcohol
- Third Party death, bodily injuries, disability and property damages caused due to the insured car
- Any consequential damage caused to the insured car
- Accidental damages sustained by the insured four-wheeler when the driver was not carrying a valid driving license
- Claims cannot be raised for damages arising outside the geographical limits, as mentioned in the policy documents
- Damages caused due to civil or nuclear war are also not included in policy coverage
Add-ons Under HDFC Ergo Standalone Own Damage Car Insurance
The coverage of an HDFC Ergo SAOD car insurance policy can also be enhanced by purchasing additional covers at some extra cost. These include:
- Zero Depreciation Cover
- NCB Protector Add-on
- Return to Invoice Cover
- Consumables Cover
- Loss of Personal Belongings
- Engine and Gearbox Protection
- Tyre Secure Cover
How to Buy HDFC Ergo Standalone Own Damage Car Insurance Policy?
If you already have an existing third party insurance, you can easily purchase a HDFC own damage motor insurance policy from Policybazaar.com. Follow the steps mentioned below:
- From the homepage, select the “Car Insurance” option
- Enter your car number in the given form.
- Select your car’s RTO from the list of RTOs
- Select your car details, such as make, model, variant, and fuel type, from the given list
- Based on the details provided, you will be shown multiple car insurance plans. Out of these, choose HDFC Ergo standalone own damage car plan.
- Select add-ons that you wish to include in your plan
- Pay the final premium amount using the online payment method
- Once you have paid the premium, your HDFC Ergo Standalone own damage motor insurance policy will be mailed to you.
Documents Required to Raise an HDFC Ergo Standalone Own Damage Claim
To raise a claim under your car insurance policy, here are the documents that you must keep handy:
- Own damage car insurance documents
- Duly signed and filled out claim form
- Copy of car’s Registration Certificate
- Copy of Police FIR
- KYC
- Bills and estimates of repairs
FAQs
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Q1. Is it compulsory to purchase a standalone own damage car insurance policy?
Ans: No, purchasing an own damage motor insurance policy is not mandatory as per the Indian motor laws. However, this policy can offer you extended coverage when you already have an existing third party cover.
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Q2. Can I calculate my own damage premium before purchasing a policy?
Ans: Yes. You can calculate your own damage insurance premium for your car by using an online car insurance premium calculator. This tool calculates the estimated premium of your policy based on the provided car details.
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Q3. How can I reduce my HDFC Ergo own damage car insurance premium?
Ans: Follow these tips to reduce your HDFC Ergo Standalone own damage premium:
- Install an ARAI-approved anti-theft device in your car
- Do not raise a claim in a policy year and protect your NCB
- Become a member of the Automobile Association of India
- Opt for voluntary deductibles
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Q4. Can I get a PA cover along with my HDFC own damage car insurance?
Ans: Yes, having a Personal Accident Cover is mandatory as per the motor laws. If you already don’t have one, you can purchase a PA cover online along with your own damage car plan.
Car Own Damage
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Expand
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.