HDFC ERGO Car Insurance

HDFC ERGO Car Insurance provided by HDFC ERGO General Insurance Co.Ltd. which is a joint venture (JV) between a leading housing finance firm in India - HDFC Limited and ERGO International AG, vital part of Munich Re Group. HDFC Limited owns 51.769 per cent shares, while ERGO International AG owns 48.231 per cent shares in the company. A complete range of general insurance products are provided from Health, Mediclaim, Home, Motor, Personal Accident and Travel insurance. Further they offer a wide range of bespoke products such as Marine, Property, and Liability Insurance in Corporate Level. At HDFC ERGO General Insurance Co.Ltd., their car insurance and products are innovated in such a manner to fulfil their Endeavour to keep life as normal despite the shortcomings that come to you.

HDFC ERGO car insurance continuously tries to upgrade itself and cater to the needs of every individual in the fast moving world. They try doing the same by excellent customer support service that too automated. It is aiming to expand its network across the country and currently it has 127 branches 113 cities with over 3600 employees. It surely has a robust distribution network which includes brokers, retail, corporate agents, bancassurance and of course its own direct sales team. ICRA recognized the highest claim-paying ability of HDFC ERGO General Insurance Co.Ltd. and assigned the company iAAA rating based on that. It has also been awarded the ISO certification for their claim services, policy issuance, customer servicing and seamless Information Security processes being followed at all their offices.

The HDFC Ergo car insurance seeks to have a vision of becoming the most admired insurance firm in India, enabling its customers to progress, thereby responding to their needs preferences and necessities constantly. The set of values that they follow is SEED - Sensitivity - building the business on empathy and the effort to understand the needs of both internal and external customers, Excellence- strive to bring about more innovative products and set new benchmarks for themselves, Ethics- fulfil the commitments and maintain transparency, Dynamism - the “can-do “approach. Ethical approach and maintain high levels of integrity.

Feature Specification
Third Party Coverage Up to 7.5 Lakhs
Network Garages 7500+ Cashless Network Garages Across India
Claim Ratio 99% (FY 20 Dec'19 YTD)
Coverage Offered In addition to the basic cover, the insurer also offers depreciation cover, road side assistance, emergency assistance add-ons, etc.

HDFC ERGO Car Insurance Plans

HDFC ERGO Car Insurance offers comprehensive insurance coverage and the full value for money. Apart from insurance coverage, it gives you the much-needed peace of mind. Following are the additional covers that you can opt for to enjoy the highest insurance benefits. The available additional covers are classified into 4 types as mentioned below.

HDFC ERGO Car Insurance Silver Policy

The Silver Plan add-on offers additional Zero Depreciation feature. It means you will get the full claim amount for own damage without any depreciation deductions. This add-on cover doesn’t cover tyres and batteries.

When you opt for this cover, the expenses from your own pocket are reduced. The features of this rider are mentioned below.

Add-On

Silver Plan

Zero Depreciation

Yes

No claim Bonus protection

No

Gear box & engine

No

Loss of Use Protection

No

Consumables expenses

No

HDFC ERGO Car Insurance Gold Policy

The HDFC ERGO Gold policy covers loss of use or downtime protection and zero depreciation.

The features of this rider are mentioned below.

Add-On

Gold Plan

Zero Depreciation

Yes

Loss of Use Protection

Yes

Gear box & engine

No

No claim Bonus protection

No

Consumables expenses

No

HDFC ERGO Car Insurance Platinum Policy

The HDFC ERGO Platinum policy offers no claim bonus protection, engine and gearbox protection, and zero depreciation. It enhances your insurance coverage and reduces your expenses.

The features of this rider are mentioned below.

Add-On

Platinum Plan

Zero Depreciation

Yes

Gearbox & engine

Yes

No claim Bonus protection

Yes

Loss of Use Protection

No

Consumables expenses

No

HDFC ERGO Car Insurance Titanium Policy

The HDFC ERGO Titanium plan offers additional coverage for engine & gearbox coverage, consumables. It also provides zero depreciation cover and no-claim bonus protection.

The features of this rider are mentioned below.

Add-On

Titanium Plan

Zero Depreciation

Yes

Gearbox & engine

Yes

No claim Bonus protection

Yes

Loss of Use Protection

No

Consumables expenses

Yes

Why Buy HDFC ERGO Car Insurance Plans?

Our investments hold a lot of importance, especially, when we purchase a vehicle. The best car insurance companies aim at giving your vehicle an extensive coverage against any damages, losses, and third-party liabilities. And when it comes to motor insurance, it is difficult not to talk about HDFC ERGO Car Insurance. The car insurer ensures that a big hole is not burnt in your pockets in case your vehicle meets with an accident, gets stolen or faces an accident on the road. This motor insurance plan offers easy issuance of the policy online, 24x7 helpful and friendly customer support, access to cashless claims at 7500+ authorized garages and a wide range of other benefits. The HDFC ERGO Car Insurance plan gives you the necessary coverage instantly. It also gives you the leverage to calculate the car insurance premium online, allowing you to choose the best plan for yourself. No sooner is the four wheeler vehicle on the road, it becomes prone to any kind of damage. Hence, a car insurance plan is necessary to cover all the damages caused to the vehicle.

HDFC ERGO Car Insurance IDV Rs. 5,78,179 IDV Rs. 11,67,272 IDV Rs.12,73,431
Premium Rs.25,501 Rs. 32,314 Rs. 28,722
Garage Network Over 7500 network garages across India Over 7500 network garages across India Over 7500 network garages across India
Third Party Coverage Up to Rs.7,50,000 Up to Rs.7,50,000 Up to Rs.7,50,000
Personal Accident Insurance Coverage Up to Rs.2,00,000 Up to Rs.2,00,000 Up to Rs.2,00,000

Features and Benefits of HDFC ERGO Car Insurance:

This HDFC ERGO Car Insurance plan provides comprehensive support through customer care team.

  • The HDFC Ergo car insurance plan can be bought online instantly
  • Liability to 3rd Party - These insurance plans covers the legal liabilities that arise out of an Injury or death of a 3rd party or property damage, in case of an accident involving the vehicle.
  • Personal Accident insurance cover for Driver or Owner - This HDFC ERGO Car Insurance plan provides compulsion Personal Accident insurance Cover of Rs.2 lacs covering Accidental Death and Permanent Disability.
  • Loss or damage to the car caused due to any of the following - accident by external means, Burglary, Housebreaking theft, fire, explosion, Lighting, Terrorism, Riots, Transit by road, rail, air etc, earthquake, flood etc.
  • The insurance coverage of the Vehicle in the HDFC ERGO Motor Insurance plan would depend on its insured declared value, which would be the maximum amount payable when a claim is made for Total Loss / Theft.
  • The HDFC Ergo car insurance premium amount shall be determined by a lot of factors in this plan - Sum Insured, Vehicle type, Vehicle’s age, Place of Registration, and Fuel Type. This plan also allows one to enjoy a lot of other benefits by paying some additional premium amount - Personal Accident Insurance cover for the owner or driver legal liability for paid driver in connection with the operation of the vehicle, etc.
  • Add on plans for enhancing car insurance coverage - A comprehensive HDFC ERGO motor insurance plan aimed at optimizing insurance coverage. With add-on plan feature it provides added security, minimizes expenses, the scope of car insurance coverage has widened.

Optional Coverage in HDFC ERGO Car insurance Policy

HDFC ERGO Motor insurance Company offers a wide range of optional covers to provide comprehensive and iron-clad protection to all its policyholders.

Listed below are optional insurance covers provided by the HDFC ERGO Motor Insurance Company:

  • Named/Unnamed Personal Accident Cover: The car insurance policy provides personal accident cover rto the person named in the policy, from the commencement of the car insurance policy. The co-passengers or paid drivers mentioned in the policy are also covered by the policy. In addition, this car insurance policy also provides coverage to the unnamed individual apart from the named individual in the policy.
  • Electrical/ Non-Electrical Accessories Cover: This optional car insurance cover provides comprehensive coverage for the accessories including but not limited to fog lights, music system, etc. of the covered car. On the other hand, non-electrical accessories cover provides coverage against damages to fittings such as alloy wheels, seat covers, etc.
  • CNG Kit Cover: Those purchasing HDFC ERGO car insurance can opt for this optional car insurance cover at the time of the purchase of the car insurance. Policyholders are compulsorily required to declare the installation of CNG kit in the vehicle at the time of purchasing the policy.

Add On Covers in HDFC ERGO Car Insurance Policy

HDFC Ergo car insurance offers a wide range of add-on covers to make it easy for its policyholders to ensure extra protection both for them and their vehicles.

Here’s a list of just some of the many add-on covers offered by HDFC ERGO Car Insurance:

  • Zero Depreciation Cover - Thisadd-on cover makes it easy for policyholders to access the full claim fund without having to worry about the depreciation value of their car. Depreciation is the decrease in the total value of the car because of age and the normal wearing away that occurs to the car, over the years of usage.
  • Down Time Protection - This is anamazingadd-on cover that offers you coverage against your expenses incurred in traveling or commuting, if your car is in the garage for a long period of time or in case you have lost the car and are waiting for a replacement.

There are some limitations that apply to this add-on cover. These limitations are as follows:

  • An amount equal to Rs.500 each day is allowed as a daily allowance for private cars.
  • Coverage is allowed only for 5 days in case of partial loss and 15 days for theft or total loss claims.
  • Coverage is allowed a max of 3 times for partial loss and 1 time for total loss or theft.
  • Engine and Gearbox - This add on car insurance cover helps you protect against any damages to your engine and gear box of your covered car. The add-on covers a wide number of gearbox and engine issues arising due to waterlogging, oil leakages and accidental damages.
  • NCB Protection - For starters,NCB stands for No Claims Bonus. This is a bonus given by the insurer each claim free year. NCB protection add on cover ensures that your NCB bonus doesn’t get lost when you need to make a claim. You can avail a maximum of up to 3 claims per policy with this add-on cover.
  • Consumable Expense Cover - This add-on cover car covers you against any expenses that may arise due to the purchase or acquisition of consumable products that you may require in case of damage made to your car.

HDFC ERGO Car Insurance - Emergency Assistance

HDFC Ergo car insurance provides its policy holders with amazing emergency assistance add-on cover plan to help protect them in the event of any emergencies. This add-on cover ensures iron-clad financial protection and decreases financial liabilities for the policy holders in the event of accidents or total loss of the vehicles.

This add-on cover Car Insurance plan helps policyholders provides:

  • On-Site Repair Assistance - The add-on cover provides easy access to onsite minor repairs relating to electrical or mechanical breakdowns to the insured vehicle. This facility comes in handy in the event of a breakdown that renders the vehicle immobile.
  • Duplicate Keys Assistance - The add-on cover plan also ensures that a new key set for the insured car is delivered to the policy holder, in case the keys are lost.
  • Lost or Locked Keys Assistance - The add-on cover car insurance plan also ensures help to the policyholders in the event of lost or locked keys. In the event of keys getting lost, the insured vehicle is towed to a safe location nearby and taken care of till the time policy holder arranges new key set.
  • Battery Jump Start Assistance - The add-on cover plan also helps insurance holders in the event of battery in the insured vehicle gets dead or malfunctions. In such situations, the company arranges for dead or misfunctioning battery jump start services.
  • Flat Tyre Assistance - The add-on cover also helps in the event of the insured vehicle enduring a flat tyre. Under this add-on cover plan, the policy holders can get their flat tyres replaced with a spare tyre as provided by them. In the situation where the tyre is not in the condition of being replaced, the insured vehicle is towed to nearest garage or tyre repair store or the policy holder is transferred between the nearest tyre repair shop and the insured vehicle.
  • Fuel Delivery - This add-on cover also provides the insurance holders with the access to up to 5 litters of fuel if their insured car runs out of fuel. However, the fuel cost is to bore by the policy holder.
  • Fuel Tank Assistance - In the event of thefuel tank getting filled with low-quality or wrong fuel, this add-on cover provides company technicians to help policy holders empty the fuel tank and assist them with any related issues.
  • Towing Assistance - In case there is a breakdown or an accident that renders the insured vehicle immobile, this add-on cover plan provides assistance to tow the vehicle to the nearest network garage or non-network garage approved by the company.

Exclusions under HDFC ERGO Car Insurance Policy:

  • Damage by a person without a driving license.
  • Damage by a person under the influence of Alcohol or drugs.
  • Loss/damage outside India.
  • Depreciation
  • Damage to tubes and tyres unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.

Private Car Insurance by HDFC ERGO Car Insurance:

The Private Car Insurance plan selection has to be one of the first things you buy for your car. A financial safeguard such as car insurance becomes one of the most important purchases that one has to make. No matter if it is a natural or manmade disaster, such as a flood, earthquake, loss, or damage, car Insurance plans are to take care. Few highlights of the plans are approval within 24 hours of the vehicle in reaching the garage, cashless services at authorized garages, toll-free helpline, hassle free settlement, value-added services like towing, ambulance etc.

Features and Benefits of HDFC ERGO Private Car Insurance Plan:

  • This HDFC ERGO Car Insurance plan provides comprehensive support through the customer care team.
  • The car policy can be bought online instantly.
  • Liability to 3rd Party - These car insurance plans covers the legal liabilities that arise out of an Injury or death of a 3rd party or property damage, in case of an accident involving the vehicle.
  • Personal Accident insurance cover for Driver or Owner - This car insurance plan provides a compulsion Personal Accident Cover of Rs. 2lacs covering Accidental Death and Permanent Disability.
  • Damage to or loss of the vehicle caused due to any of the following - accident by external means, Burglary, Housebreaking theft, fire, explosion, Lighting, Terrorism, Riots, road, rail or air transit, etc., earthquake, flood etc.
  • The insurance coverage of the Vehicle in this HDFC Ergo car insurance plan would depend on its insured declared value, which would be the maximum amount payable for a claim for Total Loss / Theft.
  • The car insurance premium amount shall be determined by a lot of factors in this plan - Sum Insured, Vehicle’s type, Vehicle’s age, Registration place, and type of fuel. This plan also allows one to enjoy a host of other awesome benefits by paying some additional premium amount - Personal Accident cover for the owner or driver legal liability for paid driver in connection with the operation of the insured vehicle, etc.
  • Add on plans for enhancing insurance coverage - a comprehensive motor insurance plan aimed at optimizing coverage. With add-on plan feature it provides added security, minimizes expenses, the scope of coverage has widened.
  • Claim Bonus - an incentive provided in this car insurance plan that if no claim is made then you get discounts.

This table will allow you give you a better understanding of Incentive and discounts.

Period of Insurance % of Discount on own damage Premium
Preceding Year 20%
Preceding 2 consecutive years 25%
Preceding 3 consecutive years 35%
Preceding 4 consecutive years 45%
Preceding 5 consecutive years 50%


Exclusions Under Private Car Insurance Plan By HDFC ERGO Car Insurance:

  • Damage by a person without a driving license.
  • Damage by a person under the influence of Alcohol or drugs.
  • Loss/damage outside India.
  • Depreciation - aging / wear and tear
  • Damage to tubes & tyres unless the vehicle is damaged in the accident.

Commercial Vehicles Insurance by HDFC ERGO Car Insurance:

Since commercial vehicles are meant for the business purpose, hence it’s extremely important that the business goes on efficiently. HDFC ERGO insurance offers plans for commercial vehicles which protect the vehicles and protecting the business from financial loss. If there is any damage caused to the vehicle, then there is accidental loss, the financial loss, legal liability, and property damage. All of this is protected by these insurance plans. This HDFC ERGO Car Insurance plan offered by them is a package of plans for various classes like Goods Carrying Vehicles (both Public and Private Carriers), Carrying vehicles, Trailers, Passenger vehicles, and some specific vehicles like a Tractor, Mobile Rig, Excavator, Shovel etc.

Few highlights of the car insurance plans are approval within 24 hours of the vehicle in reaching the garage, cashless services at authorized garages, toll-free helpline, hassle free settlement, value-added services like towing, ambulance etc.

Features and Benefits under Commercial Vehicles Insurance Plan:

  • Loss or damage to the vehicle caused due to any of the following - accident by external means, Burglary, Housebreaking theft, fire, explosion, Lighting, Terrorism, Riots, Transit by road, rail, air etc, earthquake, flood etc.
  • The insurance coverage of the Vehicle under this HDFC ERGO Car Insurance plan would depend on the IDV or Insured Declared Value. The IDV would be the maximum amount payable for Total Loss / Theft claim.

        You May also like to Read about: Insured Declared Value(IDV)

  • Personal Accident cover for Driver or Owner - This plan provides a compulsion Personal Accident Cover of Rs. 2lacs covering Accidental Death and Permanent Disability.
  • The car insurance premium amount shall be determined by a lot of factors in this plan - Sum Insured, Vehicle’s type, Vehicle’s age, Registration place, and type of fuel. This plan also allows one to enjoy a lot of other benefits by paying some additional premium amount - Personal Accident cover for the owner or driver legal liability for paid driver in connection with the operation of the insured vehicle, etc.
  • Simple documentation for claims settlement - this car insurance plan ensures that the claim process is very simple and hassle free - Duly filled and signed claim form, driving license, registration book copy, copy of insurance certificate, load challan, route permit, FIR etc.
  • This HDFC ERGO Car Insurance plan provides you with the facility of Spot Survey - it can be carried within 6 hours and waived after 6 hours.
  • State of the art of technology for claims and processing and standardized quality service across all branches.

Exclusions under Commercial Vehicles Insurance Policy:

  • Damage by a person without a driving license.
  • Damage by a person due to drunken driving or driving under the influence of drugs.
  • Loss/damage outside India.
  • Depreciation - aging / wear and tear
  • Damage to tubes & tyres unless the vehicle is damaged in the accident.

Liability only Insurance:

Liability Insurance is one of the compulsory requirements for purchasing a vehicle. It is a legal compulsion, motor insurance plans enable you to cover the liability that arises out of third party property damage, death or injury to a third party.

Features:

  • This HDFC ERGO Car Insurance plan provides comprehensive support through customer care team.
  • This car insurance plan can be bought online instantly
  • No lengthy procedure
  • Liability to 3rd Party - These car plans covers the legal liabilities that arise out of an Injury or death of a 3rd party or property damage, in case of an accident involving the vehicle.
  • Personal Accident insurance cover for Driver or Owner - This plan provides a compulsion Personal Accident insurance Cover of Rs. 2lacs covering Accidental Death and Permanent Disability.

Exclusions:

  • Claim arising out of any contractual liability.
  • Any liability caused either directly or indirectly or contributed to by or arising from nuclear weapons material

HDFC ERGO Car Insurance: Inclusions

Inclusions mean the coverage offered by an insurance provider. The inclusions of HDFC Ergo car insurance are mentioned below.

  • Damage Protection against Natural Disasters-HDFC ERGO Motor Insurance provides financial safety in case of damages due to the explosion, fire, lightning, and natural disasters such as earthquake, landslide, flood, etc.
  • Damage Protection against Man-Made Perils-HDFC ERGO Car Insurance provides insurance coverage against damages caused due to burglary, theft, house break-in, malicious acts, terrorism etc.
  • Damage Protection in Transit- HDFC ERGO Motor Insurance offers insurance coverage against any damages caused in transit by road, air, rail, inland waterways and/or lift.

HDFC ERGO Car Insurance: Exclusions

Exclusions mean the exceptions where insurance coverage isn’t provided by an insurance provider. The exclusions of HDFC Ergo car insurance are mentioned below.

  • Wear and Tear Damage- Any damage caused due to regular wear and tear or aging of the insured car isn’t covered.
  • Influence of intoxicants- Any damage caused while individual driving the insured car is under the influence of drugs or alcohol is excluded from the coverage.
  • Without a Valid Driving License- If the car is driven by an individual without a valid driving license, any damage so caused won’t be covered.
  • Damage Caused Abroad- Any damage caused to the insured car outside the geographical boundaries of India isn’t covered.

Damage Caused by Depreciation- Any mechanical or electrical breakdown of the insured car or damage caused due to depreciation isn’t covered. 

HDFC ERGO Car Insurance Network Garages

HDFC ERGO Motor Insurance offers all its policy holders quick and easy access to over 7500+ authorized network garages located across the country. HDFC ERGO Motor Insurance owners get to enjoy cashless claim services at one of the many network garages. In addition, the car insurance company also offers roadside assistance to its customers.

HDFC ERGO Car Insurance Premium Calculator

At Policy Bazaar, we facilitate you to calculate the premium payable so as to avail the coverage against the loss or damage to your car in the event of theft or an accident. We provide you with the HDFC ERGO Car Insurance Premium Calculator to be informed about the premium you are going to pay to your insurer in exchange for the coverage and benefits offered to you in the event of an emergency caused by a road accident or an unfortunate event like theft. Simply, enter your car’s details and quickly calculate the premium.

HDFC ERGO Car Insurance - Discounts

HDFC ERGO Car Insurance Company not only offers a host of awesome services and features, but it also provides special discounts to reward its policyholders. Here are just some of the many types of discounts offered by HDFC ERGO Motor Insurance Company.

  • Age Specific Discount - HDFC Ergo car insurance provides additional discounts to policyholders depending on their age. These discounts are worded as listed below:
  • 5% discount is offered to the insurer, on Own Damage Section of the policy, if their age is between 35- 45 years.
  • 10% discount is offered to the policyholders between the age of 46 and 60 years, on the Own Damage Section of the policy.

Points to Remember:

  • Policyholders must submit a copy of your valid pan card to avail the age discount offered by HDFC Ergo car insurance.
  • Policyholders are required to submit a valid proof of age at the time of claim to avail the age related discounts offered by the insurer.
  • Occupation Specific Discount - HDFC Ergo car insurance offers a 5% discount to the policyholders, on the Own Damage Section of the policy, depending upon their occupation. People who may avail this discount are:
    • A practicing Chartered Accountant.
    • Defence, paramilitary and Indian armed forces personnel.
    • Teachers in Government approved school (or other educational institutions)
    • State or Central Government employees.
    • Doctors recognized by Medical Council.

Points to Remember:

    • Policy holders need to submit a proof of their occupation at the time of claim.
  1. No Claim Bonus Discount - Policyholders can avail discounts on Own Damage Section of the policy, for each claim-free year.
  2. Other Discounts:
    • Policyholders can also earn huge discounts by installing anti-theft devices approved by ARAI in their insured car.
    • Policyholders, who are members of AAI (Automobile Association of India), also get to earn huge discounts on their HDFC ERGO car insurance premiums.

How to Apply For HDFC ERGO Car Insurance online?

If you’re interested in applying for HDFC ERGO car insurance, you may:

  • Directly contact company’s sales helpline representatives, discuss your options and purchase a policy directly.
  • Fill in the sales form, providing name, call-back number and email id, on company’s official website.
  • Visit company’s official website and buy a policy directly from the website.
  • Visit a nearby HDFC Ergo car insurance branch.
  • Compare different insurance quotes from HDFC ERGO Car Insurance at Policybazaar.com and purchase a policy directly.

HDFC ERGO Car Insurance Renewal

Now, renew you existing HDFC ERGO Car Insurance policy online at policybazaar.com and make quick payment through your Debit or Credit Card, or via Internet Banking as the payment mode. Simply, log onto www.policybazaar.com and choose the Car option to begin. Provide the registration number of your car along with your personal details marked as mandatory, and proceed to the payment. Once the payment is done successfully, you will get the e-copy of your policy document delivered into your inbox via an email.

How to Claim HDFC ERGO Car Insurance

There are two ways of filing claim with HDFC Car Insurance. Both the ways are mentioned below.

Cashless Claim Process

If you want to avail a cashless claim, you need to get your car repaired at a network-listed garage. Follow the steps mentioned below for cashless claim process.

  • Find the nearest HDFC ERGO Car Insurance’s network listed garage by logging on to hdfcergo.com or contacting their customer support.
  • If your vehicle is in driving condition, drive your car or have your car towed to the nearby network-listed garage.
  • Let the surveyor assessed the damage.
  • Duly fill the claim form & provide the required documents as per the form.
  • You will get regular updates through Emails/ SMS at every stage of your claim.
  • Once your car is repaired, pay your compulsory deductible and take your car. The remaining amount will be settled directly by HDFC ERGO Motor Insurance with the network listed garage. Before you leave, make sure you receive the claims computation sheet.

Reimbursement Claim Process

If you get your car repaired at a non-network listed garage, you’ll have to follow the steps mentioned below.

  • Log on to hdfcergo.com or contact their customer support to register a claim.
  • The surveyor will assess the damages and losses.
  • Duly fill a claim form and attached the required documents before submitting it.
  • Once you submit all the required papers, your claim will be processed.
  • You will get updates through Emails/ SMS at every stage of your claim.
  • You will get reimbursement through NEFT or Cheque.
  • You will get the claim’s computation sheet.

Some Claim Related Points to Keep in Mind

Here are some important points that can be helpful for you when you file a claim.

  • In case of bodily injury, theft, property damage or any other major damages, file a First Information Report (FIR) at the nearest police station.
  • In case of a major damage, inform HDFC ERGO Car Insurance so that the arrangement for on-the-spot inspection can be made at the earliest.

HDFC ERGO Car Insurance - FAQs

HDFC ERGO Car Insurance - Latest News

  • Overnight Vehicles Repair Service by HDFC ERGO

    The third largest general insurance company in India, HDFC ERGO General Insurance Co.Ltd. recently launched Overnight Vehicle Repairs Service in the country. This service is aimed at customers getting their damaged cars repaired overnight without affecting their everyday routine due to vehicle downtime.

    The service is also to ensure that customers get do not face inconvenience and get their vehicle ready the very next day. At the same time, this service will also save the travel cost and any hassle or inconvenience experienced by the policyholder in the absence of their car. As of now, the service is available to those who own taxis and private cars.

    The Overnight Vehicle Repairs Service is can be availed by customers only after filing claims and sharing the photos of the damaged vehicles to the company. The service is available for small, minor repairs that can be repaired in only a few hours.

    Since this service is available on an FCFS (first come first serve) basis, there are certain designated workshops in metro cities that can accommodate limited number of cars each night. Based on the work required, company will provide doorstep pickup of the damaged vehicle for overnight repairing and drop in the morning.

    HDFC ERGO car insurance will soon extend this new service to other cities as well.

Written By: PolicyBazaar - Updated: 11 October 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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HDFC ERGO Car Insurance Reviews & Ratings
4.4 / 5 (Based on 67 Reviews)
(Showing Newest 25 reviews)
Mayukhi
Faizabad, August 27, 2020
Claim assistance
The claim assistance I got from hdfc ergo is brilliant and most efficient. I found the whole process hassle free as the team understood my condition really well. Thnak you so much team.
Mayra
S.c. Pur, August 27, 2020
Compare and buy
I have taken the hdfc ergo car insurance policy and got to know about this from policybazaar website. It is really nice and I was able to compare all sorts of plans over their website. It was an easy task and you can avail the plan according to your choice. Thank you team hdfc ergo and policybazaar.
Elika
Qadian, August 26, 2020
Renew it online
I have recently renewed my car insurance policy online by the help of hdfc ergo team. It is very easy you just have to visit the website of the hdfc ergo and have to check and renew you plan accordingly. I really don’t have to call the customer care of the hdfc ergo and all was done online. Thank you so much team.
Ekta
Echoda, August 26, 2020
No claim bonus
I have taken the car insurance policy two years back and it is one of the best policy taken by me. This year I didn’t filed for the claim and I got the no claim bonus certificate from them. It is really good and important to get the n claim bonus certificate. Thank you hdfc ergo team.
Rishu
Talabhehta, August 21, 2020
Add in covers
I have taken the add on covers from the hdfc ergo car insurance policy. It is a very good plan for me and my car. I have a got an additional features such as zero depreciation, no claim bonus protection, consumable expenses etc. It’s a really good plan and I am really happy with it. Thank you hdfc ergo team.
Jitin
Yamunanagar, July 30, 2020
Easy premiums
I have taken the car insurance policy of hdfc ergo and it was the best deal I have done with them. I got the best plan for my car insurance and I the premium rate of my car insurance plan is very good and it was not costly. It came into my budget. I really like the services of the policybazar and hdfc ergo. Thank you team.
Vilas
Hagaribommanahalli, July 29, 2020
Buy online instantly
I believe in quick and best services. So, at the time of taking of car insurance plan I took the help of online services. I bought the car insurance of hdfc ergo online and it was quick. I got various add on benefits along with the plan and it was much affordable. Thank you team and keep the good work.
Ekta
G.mahisani, July 28, 2020
Comprehensive plans
I have taken the car insurance policy from the hdfc ergo and it was a plan of comprehensive car insurance plan. The plan is fully loaded and much better. It has given me best services at the time of claim and assistance. Thank you team.
Pritika
Gadag, July 27, 2020
Trustworthy relationship
I bought my car insurance policy from hdfc ergo with the help of policybazaar. It’s been 2 years that I am their customer and it has provided with me the best services. I really love it and every year renews my policy from them. A trustworthy relationship with them. Thank you team for better assistance.
Krish
Vadgaon, July 24, 2020
Cashless claim facilities
I recently opted for the cashless claim facilities from the hdfc ergo car insurance policy. It is a nice way to repair your car in an easy method. It is much hassle free and also I really like the services of the hdfc ergo and policybazaar. Thank you team policybazaar and hdfc ergo for best services.
Puneet
Tajapur, July 23, 2020
Online buying of policy
I have taken the hdfc car insurance policy online basis and got it from the website of the policybazaar. The website and the interface is very good. It was easy to get the policy from them as you can check each and every detail of it. I am really happy to secure my car under the hdfc ergo and policybazaar. It was the best thing. Great work team.
Sumit
Vadnagar, July 22, 2020
Network garage available
It is good to know that I got the best services from the hdfc ergo and also I like that they have a great number of association with network garages. And it can be seen all over the India. The network garage are up to the mark and very good. They provided the good services of repair and fixation which is near to my place at the time of claim. Thanks team.
Pranav
Canning, July 21, 2020
Add on benefits
I have taken a car insurance policy from hdfc ergo and it was a good offer which I got. I really like the services of the policybazaar and hdfc ergo. Even, I added some of the add on benefits under the same. It brings the safety and security for my car and myself too. Thanks a lot team.
Vaibhav
Vadali, July 20, 2020
No claim bonus
I recently got my no claim bonus certificate from hdfc ergo as I didn’t filed for the claim last year. It was easy to get the no claim bonus. No problem and hassles. The team is good and immediately start working on my case and in next 3 days I got my no claim bonus certificate at home. Quick services.
Amit
Anandapur, July 17, 2020
Better services
I came across the website of policybazaar and got my car insurance policy from hdfc ergo. It is a good plan and most important thing I like about it was the services provided by them. They are so good and understanding and they provided me with best services ever. Thanks a lot team.
Sai
Kadapa, June 19, 2020
EMI cost effective
I purchased the car insurance plan from Policybazaar and it is very much cost-effective in nature. Also, I am paying for my policy via EMI system and it is considering being as a burden to me. Thanks a lot team for such great plans.
Saanvi
Kachchh, June 19, 2020
Overnight vehicle repair
I chose the hdfc ergo car insurance policy because there services are up to the mark. So, I got to know from my friend that with the help of them I can get overnight services for the repair of my car. I felt so good. Because my work is of travelling and it can be difficult for me to give my car for 2-3 weeks. A great initiative.
Neysa
Kachchh, June 19, 2020
Comprehensive car insurance policy
Everybody wants a good car insurance policy. So I want the same which not only take care of me but also take care of my car and its related expenses. It is great to know that I got a very helpful company for my car insurance policy. I really like the comprehensive plan for my car which I got it from hdfc ergo. With great features and less premium rate it had made my work simple.
Mayra
Idukki, June 19, 2020
Transparency in the policy
I really like the concept of transparency which has been kept by the team policybazaar and hdfc ergo. So, I bought a car insurance policy from them and it was good that they hide anything from me regarding the same. They disclosed each and every changes and the payment which needs to be take place. To be a customer of policybazaar and hdfc ergo is a great thing and I would love to recommend this to everyone. Thanks team.
Kashvi
Haidergrah, June 19, 2020
Online payment
Nobody wants to have a hassle to visit any outlet to make any payment. HDFC Ergo has eased out that as well. You can easily logon to their website and make the premium payments. Policybazaar has the wide options of the best insurers to choose from.
Tarun
Machavaram, June 19, 2020
Claim Assistance
Everybody knows that what a customer needs to go through for a claim assistance, and HDFC Ergo has eased out their claim process for everyone. Very less documentation, hardly any calls to verify the details, quick and easy claim survey. Thank you Policybazaar for helping me chooses the best.
Deeksha
Kachchh, June 19, 2020
Customer Service
Sales is something to bring the customer in, but service is something to retain and maintain a good relationship with that customer. HDFC Ergo is one of the best in customer support. Sent an SMS to them and next moment I was connected with them over a call. Thank you Policybazaar for helping to choose the best.
Krisha
Jagannathpu, June 19, 2020
Social Media Assistance
Social Media assistance is one of the best way to reach out to any of the brand or organisation. And HDFC Ergo has a reputation to be one of the best in that. Just a short DM to them, and you are connected to their support team. Policybazaar, Thank you for assistance to choose the best.
Dinesh
H D Kote, June 19, 2020
Buy online and save more
Considering the digitalization, I felt like buying the car insurance policy online. It is really good source to check the best car insurance plans and quotes. I have saved a lot of money by getting the car insurance policy from policybazaar and hdfc ergo. Buying online is to be considered that you don’t have to go anywhere and sit at home and get the best car insurance policy.
Pratiksha
Aallapalli, June 18, 2020
Easy renewal of the policy
I got my car insurance policy from policybazaar two years back and considering to the situation and the services they are providing I am their active customer right now. I really love their services and the claim they provided to me with the help of my insurer hdfc ergo. So, this year also I renewed my policy from them only. I feel that I have become the loyal customer of both the companies. The renewal is very much easy. It’s a just a click away. I renewed my policy online via mobile application of policybazaar. Great work team.