HDFC Ergo Car Insurance

Get Car Insurance starting at only ₹2,094/year #

The HDFC Ergo car insurance policy aims to compensate a policyholder if the insured vehicle 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.

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  • 8200 Cashless garages

  • Plan starting @ ₹2094#

  • 99% Claim settlement ratio

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
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      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 offer 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 N/A

      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 like NCB rewards, voluntary deductibles, anti-theft discounts etc., are offered on the purchase of a car policy.
      • Another interesting benefit of this company is the “Over Night Vehicle Repairs” service that offers repairing services during the night and getting 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:

      1. 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 a mandatory cover every car owner must have in India. 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.

      2. 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 out of 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 own damages.

      3. HDFC Ergo Comprehensive Car Insurance

        An HDFC Ergo comprehensive car insurance offers broad coverage as it includes both third party liabilities and own damages sustained by the insured car. 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 due to the insured four-wheeler.

      HDFC Ergo Car Insurance Premium Calculator

      An HDFC car insurance premium calculator is an online tool that can calculate insurance premium before buying a four-wheeler insurance.

      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 car 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: Any electrical or mechanical breakdown sustained by the insured car is not included in the policy coverage.
      • 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 this, purchasing an NCB Protector add-on will be the right option.

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      Zero Depreciation Cover

      The depreciation borne by 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.

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      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.

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      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.

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      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, with the purchase of this add-on, you can get coverage for personal belongings like laptops, cellphones, vehicle documents, etc., present in the insured vehicle.

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      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 due to water ingression, oil leakage or any other accidental means.

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      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 get compensated for the repair or replacement of tyres and tubes of the insured car.

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      View more Add-ons

      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
      Car Insurance
      Zero Depreciation Car Insurance
      Car Insurance
      Compulsory Personal Accident Cover
      Car Insurance
      Bumper to Bumper Insurance
      Car Insurance
      No Claim Bonus (NCB) in Car Insurance
      Car Insurance
      Bundled Policy
      Car Insurance
      Roadside Assistance Cover
      Car Insurance
      Return To Invoice
      Car Insurance
      Multi-Year Car Insurance
      Car Insurance
      Engine Protection Cover
      Car Insurance
      Personal Possessions Cover
      Car Insurance
      Voluntary Deductible in Car Insurance
      Car Insurance
      Key Replacement Cover
      Car Insurance
      Daily Allowance Cover
      Car Insurance
      Tyre Protector Cover
      Car Insurance
      Rim Damage Cover
      Car Insurance
      Car Accessories Cover

      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 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:


      Intimate the Insurance Provider

      As soon as your car sustains unforeseen damages, make sure to inform your insurer about it.


      Get Your Car’s Damages Assessed

      Upon intimation, the insurer will send a surveyor to assess the damages caused to the insured four-wheeler.


      Submit the Required Documents

      Now submit the required mandatory documents to the surveyor.


      Send Car for Repairs

      The surveyor will now send the car to an authorised network garage for repairs


      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 claim form
      • KYC documents
      • Copy of car’s registration certificate
      • Copy of Police FIR
      • Repair bills and repair estimates

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      Average Rating
      (Based on 105 Reviews)
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      HDFC Ergo Car Insurance Reviews & Ratings
      4.4 / 5 (Based on 105 Reviews)
      (Showing Newest 10 reviews)
      Dhakuakhana, March 17, 2021
      Complete information
      I have been provided with the complete information when I bought the hdfc ergo car insurance policy from the policybazaar. I bought this car insurance plan for Hyundai accent car. It is easy to get all such information regarding my car.
      Fakirsahi, March 09, 2021
      Liability Cover
      I bought third-party liability cover for my car. They called me to check if I bought the right policy or want to upgrade to a comprehensive plan. I am their regular customer. They always help me suggest policies with maximum coverage as per my pocket.
      Fakirpur, March 09, 2021
      Good Service
      I was searching for HDFC Ergo car insurance renewal online. I found Policybazaar on top result and simply entered some details and immediately got an assistance call from them. I am happy with the entire procedure. It was so easy to renew my policy from their site. It’s so damn convenient.
      Yashwant Nagar, March 05, 2021
      Policy to purchase is easy
      It is easy to buy a car insurance policy. I bought a hdfc ergo car insurance from policybazaar and I absolutely liked it. Thanks team for such support.
      Laharpur, March 04, 2021
      Feasible to pay
      It is really feasible to pay for the premium amount of the car insurance plan which I have bought. I always pay for my premium amount online. It is quick and easy. It has been a transparent relationship with the policybazaar and hdfc ergo car plan.
      J.n.prasad, March 04, 2021
      Great guidance
      I got an excellent guidance when I approached to policybazaar for my car insurance plan. I have been suggested to get the hdfc ergo car plan for my Hyundai i20. It is easy to get and all the information has been provided by the agent was so good. Thanks team.
      Ichalkaranji, March 02, 2021
      Avail best services
      I have availed a lot many services from the policybazaar. It’s been 2 years that I have been the customer of the same. I had bought a car insurance plan from hdfc ergo. My life has become simple and I got a good services from them. Thanks team policybazaar.
      R.k.nagar, March 01, 2021
      Low premium high coverage
      I bought a car insurance plan for my Hyundai i10 car from the policybazaar and it was of hdfc ergo. It was under my budget and with high coverage. I really love the facilities which fell under my car insurance plan and will continue it for a long period of time. Thanks team.
      Fakirpur, February 25, 2021
      Claim settlement assistance
      My claim was settled in less than 5 days and it includes repairing of my car. I contacted the team of policybazaar as I purchased the hdfc ergo car insurance policy from them online. It was good to know that the whole team is so enthusiastic and positive In nature. They helped me lot and settled my claim.
      Habra, February 25, 2021
      Get the car quotes online
      I have bought my car insurance policy online and it was of hdfc ergo car plan. Before buying a car insurance plan I have taken a look on car insurance quotes. It is easy to compare the plans and choosing the best one. I even got the plan at my budgeted premium rates. Great work team.

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