HDFC Ergo Private Car Insurance

*Please note that the quotes shown will be from our partners


The Private Car Insurance protects the car against natural disasters and also covers against theft/robbery. It also offers third party liability; when damage is done by insured car to another person’s property it is covered in the claim.


Policy Details:

  • Cashless claim facility is available over 1600+ authorized garages in India.
  • No Claim Bonus (NCB) is given with added on Discount for Automobile Association Members and Discount based on age/profession.
  • The policy is available Online also with no documentation procedures.
  • Coverage for Vehicle depends on the manufacturer’s listed selling price less the depreciation for each year or the IDV (Insured’s declared Value).

Policy Benefits:

  • Loss Or Damage To The Vehicle Insured: In case of Accident/Burglary/Theft Fire, Explosion, Self Ignition, Lightning Terrorism, Riots, Strikes, rail, air or Earthquake, Flood, Storm, Landslide the car is covered.
  • Liability/Legal liability from Injury/Death/property damage of a third party is covered.
  • Personal Accident Cover: Provides for a mandatory Personal Accident Cover for Owner for an amount of 2 Lacs INR which covers Accidental Death and Permanent Total Disability.

Premium Details:

The premium depends on:

  • Sum Insured / Insured’s Declared Value (IDV)
  • Type of vehicle
  • Age of the vehicle
  • Place of Registration
  • Fuel type (Petrol / Diesel / CNG / LPG)

No Claim Bonus:

When no claim is made or pending during the preceding years, a discount is made on the premium.

Period of Insurance

% of Discount on own damage Premium

Preceding Year


Preceding 2 consecutive years


Preceding 3 consecutive years


Preceding 4 consecutive years


Preceding 5 consecutive years


*The above rates may vary. Please check the policy wordings for more details.


  • Aging, wear and tear, Mechanical/electrical breakdown.
  • Damage on account of a person driving without a valid license or under the influence of liquor or drugs.
  • Loss/damage due to war, mutiny, nuclear risks or outside India.
  • Damage to tyres and tubes unless the vehicle is damaged during an accident


Age Discount:

  • Age of the Insured is between 35 years-45 years – 5 % Discount on Own Damage Section.
  • Age of the Insured is between 46 years-60 years – 10 % Discount.


Occupation Discount

  • 5% discount on the Own Damage Section of the policy