HDFC ERGO Car Insurance

HDFC ERGO car insurance policies are designed to offer comprehensive coverage to the car owners and protect them from several risks. These insurance covers provide complete financial protection for your car, to help secure yourself and your car from unforeseen events like accidents, theft, and natural disasters. HDFC ERGO also offers multiple discounts to the policyholders, such as no claim bonus, and discounts for installing anti-theft devices. Read on to know more about HDFC ERGO car insurance, its features, benefits, and more.

HDFC ERGO Car Insurance Plans Available on Bajaj Markets

Insurer	Claim  Settlement Ratio	Starting Premium	Check Plans
HDFC ERGO Car Insurance	99%	₹2094

Types of HDFC ERGO Car Insurance

Here are the types of the HDFC ERGO Car Insurance Plan:

How to Buy HDFC ERGO Car Insurance Online

Follow these steps to purchase HDFC ERGO Car Insurance from Bajaj Markets:

• Step 1: Enter the information about your car’s make, model, registration number, etc.
  
  
• Step 2: Fill in your personal details.
  
  
• Step 3: Get your HDFC ERGO Car Insurance premium’s quote.
  
  
• Step 4: Choose a plan which best suits your car insurance requirements.
  
  
• Step 5: Include any HDFC ERGO Car Insurance add-on covers according to your requirements.
  
  
• Step 6: Upload all the necessary documents as required and proceed to the payment page.
  
  
• Step 7: Pay the HDFC ERGO Car Insurance premium.
   

You will now receive your car insurance policy document on your registered mobile number shortly.

Key Features of HDFC ERGO Car Insurance Plans

Here are a few key features of the HDFC ERGO Car Insurance Plans:

• Inexpensive premiums 

• No Claim Bonus (NCB) of up to 50%

• Personal Accident Cover

• 6700+ cashless garage network 

• 6+ add-on covers

• Claim settlement ratio of 99%

Benefits of HDFC ERGO Car Insurance

Below are the benefits of securing your car with HDFC ERGO car insurance: 

• Receive Instant Quotes

Get the premium quotes instantly by entering your car details through their car insurance calculators.

• Quick Issuance

Get your car insurance policy issued within a few minutes after submitting an online application form and completing the payment of premium.

• Transparent Process

Follow the simple steps to purchase the car insurance policies without hidden any charges.

• Payment Reminders

Get services after the sale, such as regular renewal reminders to enjoy uninterrupted services at all times.

• Minimal Documentation

Complete your purchase of car insurance with minimal documents such as your KYC documents and your car’s registration details.

• 24*7 Customer Care

Enjoy the benefits of customer support services 24*7 to convey your concerns/grievances.

• Instant Coverage

Get instant access to your policy document to avoid going days without having to wait for the issuance of your policy.

• Convenience

Purchasing an online car insurance policy is hassle-free as you will not have to visit their branch offline. 

• Control the Coverage

Get uninfluenced coverage while purchasing your car insurance policy directly from them. 

• Multiple Add-on Covers

Receive multiple add-ons like zero depreciation, NCB, RTI, etc. to increase the protection of your vehicle. 

• Overnight Repair 

Receive immediate repair assistance, even overnight if necessary.

• Fastest Claim Resolution

50% of vehicle claim settlements are completed on the same day.

What’s Covered & Not Covered

Here are the mandatory inclusions and exclusions under the HDFC ERGO car insurance:

Factors Influencing the Premium of HDFC ERGO Car Insurance

Here are a few factors which influence the premium of HDFC ERGO car insurance:

• Car’s Make, Model, and Variant

The insurance premium is dependent on the value of a vehicle and is determined by its manufacturer, model, and variant.

• Registration Year

The age of the vehicle is determined by the year of registration. Higher premiums are charged for newer cars and vice versa.

• Location of Registration

Metro cities have a relatively higher premium since they have a higher probability of filing a claim and higher repair expenses.

• Fuel Type

Petrol vehicles are less expensive than diesel vehicles. Hence, they charge lower rates as premiums.

• No Claim Bonus

If you are doing your HDFC ERGO car insurance renewal, you may use the NCB to get a rate reduction.

• Add-ons 

If you decide to buy add-ons with your comprehensive vehicle insurance policy, the premium rates will increase.

• Type of Policy

Your premium is also dependent upon the type of insurance coverage you buy.

• Duration of Policy

The price for a long-term policy is greater in comparison to plans with short tenure. 

How to Calculate the Premium for HDFC ERGO Car Insurance 

Here’s how you can calculate the premium for HDFC Car Insurance:

• Step 1: Navigate to the Car Insurance Premium Calculator page.

• Step 2: Enter your car number, mobile number, and PIN code.

• Step 3: Click on ‘Get a Quote'.

The amount of premium depends on the type of coverage and add-ons (if any) you opt for.

Why HDFC ERGO's Car Insurance Policy?

Here are the reasons why you should purchase HDFC ERGO car insurance:

1. Simple and Speedy Procedure

With HDFC ERGO, the application procedure is easy and quick. You can purchase HDFC ERGO car insurance within just a few minutes. 

2. Emergency Assistance

You may contact the customer officials anytime to get assistance concerning your car insurance policy. 

3. Inexpensive Premiums

The car insurance premium starts at just ₹2,094, making it affordable to purchase while offering maximum benefits. 

4. Cashless Claims 

With 6700+ cashless garages across India, you may repair your automobile for damage caused by an accident without spending a dime.

5. Overnight Repair Facility

The HDFC ERGO's overnight repair service will help your insured car get repaired if it suffers minor accidental damage.

Add-on Covers Offered By HDFC ERGO

Here are the add-on covers provided by the HDFC ERGO car insurance policy:

• Zero Depreciation

Your car's value decreases annually. With this add-on, the insurance company won't deduct any depreciation and will pay the entire amount due to you.

• No Claim Bonus

An NCB is a discount that is given to the insured when they renew their car insurance and is applied to the premium amount at renewal.

• Return to Invoice

The return to invoice protection insurance guarantees that you will receive the full worth of your vehicle if it is lost or stolen.

• Engine and Gearbox Protection

This coverage pays for expenditures incurred in the case of engine or gearbox damage.

• Emergency Assistance

HDFC ERGO will provide 24x7 emergency support in the event of any mechanical or technological failure.

• Downtime Protection

If your automobile is in the shop for repairs, this coverage will pay your transportation costs while your car is restored.