HDFC ERGO Car Insurance

HDFC Ergo car insurance provides complete financial protection for your car, allowing you to secure both yourself and your car from unpleasant and unforeseen events like accidents, theft, and natural disasters. HDFC ERGO car insurance provides three types of policies: a third-party car insurance, a comprehensive car insurance, and a standalone own damage insurance. HDFC ERGO car insurance also allows you to financially secure your vehicle with the aid of numerous add-on covers.

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  • Overview
  • Claim Settlement
  • Customer Care

HDFC ERGO General Insurance Company Limited is a joint venture between ERGO International AG and HDFC Ltd. A German corporation with a 49% stake in the partnership, Munich Re Group, owns ERGO, while HDFC (The Housing Development Finance Corporation) has the remaining 51% share. The partnership was established in 2002. The corporation is frequently referred to as a public company. It is nonetheless classed as an Indian non-government organisation. HDFC ERGO is a well-known company in the insurance sector that is recognised for providing auto insurance at a minimal price to the general public.

HDFC ERGO Car Insurance Plans

Here is the list of car insurance coverages offered by HDFC ERGO. 


  • Comprehensive Car Insurance

The HDFC ERGO comprehensive car insurance policy offers a broad level of protection that includes coverage for both third-party liability and any damages to your automobile. However, in order to receive these benefits without any difficulty, you must perform your HDFC car insurance renewal in a timely manner.


  • Third-Party Car Insurance

As per the Motor Vehicle Act, 1988, having third-party car insurance is mandatory to drive cars on Indian roads. HDFC ERGO third-party car insurance offers coverage against third-party liabilities including accidents and property damage. 


  • Stand-Alone Own Damage Cover

HDFC ERGO standalone own damage insurance policy is only available if your car already has a third-party insurance policy. This standalone policy would safeguard the losses that a fire, a natural disaster, etc. causes to your car.


  •  Cover for Brand New Car

This HDFC ERGO car insurance will provide you with one year of coverage for damage to your own car as well as three years of protection for damage to a third-party person or property.

How to Buy HDFC ERGO Car Insurance Online

Here are the steps to follow to purchase HDFC ERGO car insurance. 


  • Go to the HDFC ERGO official website

  • Enter your vehicle registration number to get an HDFC ERGO car insurance quote.

  • You can also click on ‘Continue Without Registration Number’

  • Next, select make, model, variant, manufacturer year, and city of registration to continue

  • You will be taken to a new page. Choose the type of car insurance plan you wish to buy

  • Fill in the required details and pay the premium

  • Your insurance details will be sent to your email address


Additionally, you may follow the same method to get your HDFC ERGO car policy renewed.

How to Renew Your Expired HDFC ERGO Car Insurance Policy Online?

You need to follow the below-listed steps in order to renew online the expired HDFC ERGO car insurance policy: 


  • Make a self-inspection of your car as it's crucial to determine the condition of your car before renewing a cancelled auto insurance policy

  • Additionally, upload each of the papers listed below in order to renew a lapsed insurance policy

  • Copy of your RC

  • Copy of your driving licence

  • Copy of cancelled insurance policy

  • Application form

  • Once all the papers have been submitted, the insurance company will review them and, if convinced with all of them, will accept them

  • A payment link would be emailed after approval

  • You may use your credit card, debit card, or net banking facility to make the payment via the payment link

  • Your expired auto insurance will be renewed after the money has been received and processed

Key Features of HDFC ERGO Car Insurance

HDFC ERGO car insurance comes with several features and benefits. However, it is important to keep a track of your policy expiry date in order to renew it on time. So that you can receive these benefits uninterrupted. If your insurance plan is about to expire, you may easily get your HDFC ERGO car insurance renewed online.


Here’s a closer look at the features of HDFC ERGO car insurance coverage.

Policy Name


Third Party Damages 

Provides coverage against personal accidents, third party injuries, and property damages

Own Damage Cover

Offers protection against theft, fire, accidents, and natural calamities

Inexpensive Premiums 

Start at just ₹2,094

No Claim Bonus (NCB)

Up to 50%

Personal Accident Cover

Up to ₹15 Lakhs

Cashless Garage Network 

Over 8300

Add-on Plans

HDFC ERGO zero depreciation car insurance

Emergency assistance

Return to invoice


Downtime protection

Engine and gearbox cover

Claim Settlement Ratio


Benefits of HDFC ERGO Car Insurance

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


  • Discounts

You may receive concessions that can reduce premium payments by up to 70%. You may optimise your savings while still ensuring that your car is insured in this way.


  • Multiple Network Garages

You may get repairs done at a large network of cashless garages without having to worry about money. There are more than 8300 cashless garages in the HDFC Ergo network.


  • Overnight Repair 

You can get immediate repair assistance and your vehicle's damage will be fixed overnight. 


  • Fastest Claim Resolution

The payment of a vehicle insurance claim with HDFC Ergo General Insurance is one of the fastest in India. Approximately 50% of vehicle claim settlements are completed on the same day.


  • Roadside Assistance

You will be provided 24x7 emergency assistance. As a result, in the event of a car breakdown or other problems, you can call your insurer and they will send you immediate help. 


  • Quickest Insurance Coverage

With the advancement of technology, HDFC Ergo enables clients to safeguard their cars in only three minutes. The HDFC Ergo General Insurance Company offers instant insurance coverage.


  • Multiple Add-on Covers

HDFC ERGO provides multiple options of add-ons like zero depreciation, NCB, RTI, etc that you opt for in addition to your primary insurance policy to increase the protection of your vehicle. 

What is Covered & Not Covered Under Car Insurance Coverage

Here are the details about the inclusions and exclusions of HDFC ERGO car insurance. 



Physical damage 


Death of a person

Illegal driving 

Property damage 

Electrical and mechanical failures 


Geographical restrictions 

Explosion and fire




Natural and man-made catastrophes


In-transit damage 


Personal accidents


How to Calculate Premium for HDFC ERGO Car Insurance

While buying HDFC ERGO car insurance online, you must be informed about the factors that may affect insurance premiums. It will aid you in calculating your premiums easily. Below are the details about the same.


  • Car’s Make, Model, and Variant

The value of a vehicle is determined by its manufacturer, model, and variant. Also, the premium is determined based on this value. For instance, premiums for luxury vehicles in comparison to economical cars are higher.


  • 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

Compared to non-metro cities, cars registered in metro areas fetch a significant premium. This is because people living in urban areas 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. However, this reward is only available if you have not made any previous claims.


  • 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. For instance, third-party car insurance has lower premiums than a comprehensive policy. 


  • Duration of Policy

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

Why Should You Buy 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 8300+ cashless garages across India, you may repair your automobile for damage caused by an accident without spending a dime.

5. Overnight Repair Facility

Thanks to HDFC ERGO's overnight repair service, your car will be repaired if it suffers minor accidental damage.

Add-On Covers Offered By HDFC ERGO

HDFC ERGO offers several add-ons to their customers in order to increase the safety of their automobiles. Below are the details about the same:


  • 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 reduction offered by the company to a policyholder for not submitting any claims during the policy year. It is a discount that is given to the insured when they renew their car insurance. The NCB discount is applied to the premium amount at renewal. This discount is also transferable and can be used to purchase a new vehicle.


  • 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 (the on-road price of the car at the time of purchase).


  • 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.

How to Raise a Claim for HDFC ERGO Car Insurance?

Since the organisation provides each service online, you can file your claim in just a few minutes by following the below-listed steps: 


  • Visit the website or download the app of HDFC ERGO

  • Fill in the claim application form

  • As per your convenience, you may choose to do a self-inspection of damages or have a surveyor or workshop partner conduct an app-based inspection

  • Following that, upload all necessary documents

  • The provided details will be verified by the company

  • When your claim is approved, the funds will be either settled with the network garage partner or sent into your bank account

Contact Details

Here are the contact details of HDFC ERGO.


  • Contact Number: 1800 2666 400 (toll-free), 022 62642 6242

  • Email Id: 

  • WhatsApp/SMS: 7304524888

  • Office Address: D - 301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West) Mumbai - 400078

If you have obtained HDFC ERGO car insurance through Bajaj Markets platform, here is the contact information that you can use (if required). 


Check Out Car Insurance Plans Available at Bajaj Markets

FAQs on HDFC ERGO Car Insurance

  • ✔️What is the benefit of third-party car insurance?

    A third-party insurance policy provides financial protection in the event that your car causes harm to a third party. If a third party receives bodily injuries as a result of an accident, the insurer will pay for hospitalisation bills, lost income, permanent disability, or death. Furthermore, according to the Motor Vehicles Act of 1988, every automobile on Indian roads must be insured under a basic third-party car insurance plan.

  • ✔️What type of insurance is a third party?

    Third-party insurance is a basic car insurance policy that covers loss caused to another party.

  • ✔️How much time does the HDFC Ergo take to process & settle car insurance claims?

    The HDFC Ergo General Insurance Company has the shortest claim resolution time. As soon as the insurance company receives the necessary documentation, the claim is resolved.

  • ✔️How to download the HDFC ERGO car policy document online?

    Simple procedures to download the auto insurance policy paperwork are as follows:


    • Visit the HDFC ERGO website

    • To download an electronic copy of your insurance, select that option

    • Enter your policy number and registered mobile number

    • An OTP will be issued to the registered mobile number for verification as soon as you provide the necessary information

    • In the field provided, enter the OTP and your registered email address

    • Your mail ID will get a PDF copy of your auto insurance policy

    • In this way, you may get an online copy of the auto insurance policy

  • ✔️What is the add-on feature (engine protection) in car insurance?

    This coverage pays for expenditures incurred in the case of your car’s engine.


  • ✔️Is it beneficial to purchase HDFC ERGO car policy?

    Car insurance acts as a financial safety net for your vehicle. Thus, obtaining it is crucial. Moreover, acquiring it from HDFC ERGO will provide you with several benefits like inexpensive premiums, emergency assistance, multiple add-ons, and so on. 

  • ✔️What are the different types of car insurance policies provided by HDFC ERGO?

    HDFC ERGO provides four types of car insurance: 


    • Comprehensive car insurance

    • Third-party car insurance

    • Standalone car insurance

    • Own damage protection coverage

  • ✔️What is the incurred claim ratio of the HDFC ERGO car insurance company?

    The HDFC ERGO general insurance company's claim ratio is 82%.


  • ✔️Is it essential to buy add-ons?

    No, it's not essential to buy add-ons. However, getting these will increase your car’s safety. 


  • ✔️Difference between your own damage and a third-party insurance plan?

    Third party insurance plan only covers third-party damages and third-party liabilities. This insurance plan cannot be tailored with add-ons. 

    Own damage insurance normally has a one-year validity period after which it must be renewed. Additional coverage can be added to your own damage automobile insurance policy.