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.

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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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

Inclusions
Exclusions

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

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.
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.
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
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.