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.
Here are the types of the HDFC ERGO Car Insurance Plan:
Policy Name |
What’s Covered |
Third Party Car Insurance |
Provides coverage against personal accidents, third party injuries or legal liabilities, and third party property damages. |
Own Damage Cover |
Offers coverage against financial liabilities arising due to the insured vehicle’s accidental damages. It also covers expenses against damages caused to the insured car due to explosion, fire, theft, and natural/man-made calamities. |
Comprehensive Car Insurance |
Provides against third party liabilities, damages caused to the insured car due to explosion, fire, theft, and natural/man-made calamities. It also provides personal accident coverage. |
Follow these steps to purchase HDFC ERGO Car Insurance from Bajaj Markets:
You will now receive your car insurance policy document on your registered mobile number shortly.
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%
Below are the benefits of securing your car with HDFC ERGO car insurance:
Get the premium quotes instantly by entering your car details through their car insurance calculators.
Get your car insurance policy issued within a few minutes after submitting an online application form and completing the payment of premium.
Follow the simple steps to purchase the car insurance policies without hidden any charges.
Get services after the sale, such as regular renewal reminders to enjoy uninterrupted services at all times.
Complete your purchase of car insurance with minimal documents such as your KYC documents and your car’s registration details.
Enjoy the benefits of customer support services 24*7 to convey your concerns/grievances.
Get instant access to your policy document to avoid going days without having to wait for the issuance of your policy.
Purchasing an online car insurance policy is hassle-free as you will not have to visit their branch offline.
Get uninfluenced coverage while purchasing your car insurance policy directly from them.
Receive multiple add-ons like zero depreciation, NCB, RTI, etc. to increase the protection of your vehicle.
Receive immediate repair assistance, even overnight if necessary.
50% of vehicle claim settlements are completed on the same day.
Here are the mandatory inclusions and exclusions under the HDFC ERGO car insurance:
Inclusions |
Exclusions |
Physical damage |
Depreciation of your car |
Death of a person |
Accident due to drunk driving |
Property damage |
Damages due to electrical and mechanical failures |
Accident due to fire or explosion |
Damages caused outside the borders of India |
Loss due to theft |
Accident due to driving without a valid driver’s licence |
Natural and man-made catastrophes |
Consequential losses |
In-transit damage |
Damages caused if the manufacturer’s instructions aren’t followed |
Personal accidents |
Here are a few factors which influence the premium of HDFC ERGO car insurance:
The insurance premium is dependent on the value of a vehicle and is determined by its manufacturer, model, and variant.
The age of the vehicle is determined by the year of registration. Higher premiums are charged for newer cars and vice versa.
Metro cities have a relatively higher premium since they have a higher probability of filing a claim and higher repair expenses.
Petrol vehicles are less expensive than diesel vehicles. Hence, they charge lower rates as premiums.
If you are doing your HDFC ERGO car insurance renewal, you may use the NCB to get a rate reduction.
If you decide to buy add-ons with your comprehensive vehicle insurance policy, the premium rates will increase.
Your premium is also dependent upon the type of insurance coverage you buy.
The price for a long-term policy is greater in comparison to plans with short tenure.
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.
Here are the reasons why you should purchase HDFC ERGO car insurance:
With HDFC ERGO, the application procedure is easy and quick. You can purchase HDFC ERGO car insurance within just a few minutes.
You may contact the customer officials anytime to get assistance concerning your car insurance policy.
The car insurance premium starts at just ₹2,094, making it affordable to purchase while offering maximum benefits.
With 6700+ cashless garages across India, you may repair your automobile for damage caused by an accident without spending a dime.
The HDFC ERGO's overnight repair service will help your insured car get repaired if it suffers minor accidental damage.
Here are the add-on covers provided by the HDFC ERGO car insurance policy:
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.
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.
The return to invoice protection insurance guarantees that you will receive the full worth of your vehicle if it is lost or stolen.
This coverage pays for expenditures incurred in the case of engine or gearbox damage.
HDFC ERGO will provide 24x7 emergency support in the event of any mechanical or technological failure.
If your automobile is in the shop for repairs, this coverage will pay your transportation costs while your car is restored.
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.
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
Yes, it is beneficial to purchase HDFC ERGO car insurance 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.
HDFC ERGO provides three types of car insurance:
Comprehensive car insurance
Third-party car insurance
Standalone own damage cover