HDFC Ergo Standalone Own Damage Car Insurance

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

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  • 8200 Cashless garages

  • Plan starting @ ₹2094#

  • 99% Claim settlement ratio

Car Insurance

#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

      • 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 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


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