HDFC Ergo Comprehensive Car Insurance

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

An HDFC Ergo Comprehensive car insurance policy aims at legally and financially protecting the insured vehicle from damages arising out of unforeseen mishaps. Damages due to road accidents, manmade acts, earthquakes, etc., are covered under this policy by HDFC Ergo General Insurance Company.

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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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      Benefits of HDFC Ergo Comprehensive Car Insurance

      By purchasing an HDFC Ergo comprehensive plan, a policyholder can avail the following benefits:

      • Legal Coverage: With an HDFC Ergo private package policy, you can fulfil the requirement of having motor insurance to drive legally in India.
      • Third Party Cover: Being an extensive policy, this comprehensive insurance cover also offers compensation in case of third party damages.
      • Financial Coverage: With an HDFC Ergo comprehensive cover, you and your car can get financially covered in case of mishaps like collisions, theft, fire, calamities, etc.
      • Add-on Covers: An HDFC Ergo comprehensive cover can also be enhanced by purchasing add-ons along with the standard policy.

      Coverage Under HDFC Ergo Comprehensive Car Insurance

      The coverage of an HDFC Ergo comprehensive four-wheeler insurance policy includes the following:


      • Third Party Damages: An HDFC Ergo package policy includes third party death, disability and property damage
      • Theft: Claims can also be raised for theft, housebreaking or burglary of the insured car
      • Fire: Losses sustained by the insured car as a result of fire or explosion
      • Manmade Acts: Damages caused due to a manmade act, such as a riot or strike, are also covered under this policy
      • Natural Disasters: Damages to the insured vehicle due to natural disasters such as cyclones, hurricanes, floods, etc.


      • Drunk Driving: Driving under the influence of alcohol is an illegal offence. Any damage sustained by the insured car while the driver was drunk will not be covered.
      • Driving without DL: Damages to the insured car when the driver was driving without a driving license
      • Depreciation: The general wear and tear, as well as depreciation sustained by the insured car, is not included in the policy coverage
      • Breakdown: The HDFC Ergo car insurance policy will also not cover any electrical and mechanical breakdown of the insured vehicle.

      Add-ons Under HDFC Ergo Comprehensive Car Insurance

      Policyholders also have the option to enhance the coverage of the chosen HDFC Ergo comprehensive car plan by purchasing add-ons at an extra cost. These add-ons include:

      • Zero Dep Cover
      • Return to Invoice
      • No Claim Bonus Protection
      • Engine and Gearbox Protection
      • Emergency Assistance Cover
      • Cost of Consumables 
      • Loss of Personal Belongings

      How to Purchase an HDFC Ergo Comprehensive Car Insurance Policy?

      Follow these simple steps to purchase an HDFC Ergo comprehensive car insurance policy online:

      • Visit the official website of Policybazaar Insurance Brokers Private Limited (
      • Select the 'Car Insurance' option from the homepage
      • Enter your car number and continue
      • Choose the car details such as model, variant, fuel type, and registration year from the provided list.
      • You will be presented with a list of multiple comprehensive four-wheeler insurance plans.
      • Select the HDFC Ergo comprehensive plan from the list.
      • Customise your plan by selecting additional covers based on your requirements.
      • Once you have finalised the plan and add-ons, make the premium payment.
      • Using the online payment modes, pay the premium amount.
      • After completing the payment, you will receive your car insurance policy documents via mail.

      Documents Required to Raise an HDFC Ergo Comprehensive Car Insurance Claim

      The following documents are required to effectively raise a claim with HDFC Ergo General Insurance Company:

      • Duly filled and signed claim form
      • Motor insurance policy papers
      • Copy of vehicle’s RC
      • Copy of Police FIR
      • KYC
      • Repair bills and estimates of repair


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