HDFC Ergo Zero Depreciation Car Insurance

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Hdfc Ergo Zero Depreciation Car Insurance
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  • Plan starting @ ₹ 2094#

  • 99% Claim settlement ratio

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      HDFC Ergo Zero Depreciation Car Insurance

      An HDFC Ergo Zero Depreciation cover is a motor insurance add-on that can be purchased with an HDFC Ergo comprehensive car insurance policy. This add-on compensates for the depreciation borne by the insured car or its parts which is not covered in standard four-wheeler insurance.

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      Benefits of HDFC Ergo Zero Depreciation Insurance

      By purchasing this add-on, policyholders can get the following benefits:

      • Higher Compensation: By purchasing a zero dep add-on, a policyholder can get a higher compensation without the deduction of depreciation amount at the time of claim settlement.
      • Affordable Premium: The premium of an HDFC Ergo nil depreciation cover is also very nominal. You can get covered for a considerable expense by paying a small premium.
      • Saves Unnecessary Spends: Policyholder is also saved from any out-of-pocket expense at the time of claim. Since most of the depreciation gets covered by the insurer, you are not required to pay extra for this particular loss.
      • Easy Claim Process: The claim process for HDFC Ergo zero depreciation insurance is also very easy and smooth.

      How to Buy HDFC Ergo Zero Depreciation Add-on Cover?

      Here is how to purchase an HDFC Ergo bumper-to-bumper add-on online in some easy steps:

      • Visit and select “Car Insurance” from the homepage
      • In the given form, enter your car number and select your car’s RTO
      • Now select the make, model, variant and registration year of your car
      • From the given list of car insurance plans, select the HDFC Ergo insurance plan
      • Now from the Add-ons and Accessories dropdown, pick “ Zero Depreciation” cover 
      • Once you have chosen the add-on, your premium will slightly increase
      • Make the premium payment online
      • Once the payment is complete, your HDFC Ergo car insurance policy with zero dep add-ons will be issued.

      HDFC Ergo Zero Depreciation Car Insurance Claim Process

      Raising an HDFC Ergo zero-dep claim is a simple process. Follow the steps mentioned below:

      • Inform the insurer about the damages sustained by your four-wheeler
      • Upon intimation, the insurer will send a surveyor for a damage assessment
      • Once the damages have been assessed, you will be required to submit certain documents to the surveyor
      • Now the insured vehicle will be sent to the network garage for repairs
      • Once the car has been repaired, the insurance provider will settle the claim with a cashless settlement with the network garage.
      • If the repairs were done anywhere either than a network garage, the insurer would reimburse you the claim amount after the repairs.

      Documents Required for an HDFC Ergo Zero Depreciation Car Insurance Claim

      The following documents are required to raise an HDFC Ergo nil depreciation claim:

      • HDFC Ergo comprehensive insurance policy papers
      • Copy of car's RC
      • Valid driving license
      • Motor insurance claim form
      • Copy of Police FIR
      • Bills of repair
      • Estimates of repair


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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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