HDFC ERGO Car Insurance

HDFC Ergo Car Insurance offers total financial protection to your precious four-wheeler, so you can safeguard both yourself and your vehicle from any unfortunate, unforeseen events such as accidents, theft, and natural calamities. It also allows you to add various add-on covers to your car insurance plan to enhance the security of your car. HDFC ERGO Car Insurance offers you the dual benefit of saving as much as 70% on the cost of the premium and access to a network of over 8,000 cashless garages across the country.

✓Save 80% on Premium ✓Zero Depreciation & Accessories Cover ✓Lock & Key Replacement Cover| Buy a Car Insurance Now!

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HDFC ERGO Four Wheeler Insurance

HDFC ERGO Car Insurance helps you to secure your vehicle financially during unforeseen events like accidents, natural calamities, or theft. You can easily buy HDFC four wheeler Insurance online for your precious vehicle at Bajaj Markets. Before we move to the steps of buying HDFC Car Insurance, let’s take a look at the benefits of HDFC ERGO Car Insurance and its types.

Benefits of HDFC ERGO Car Insurance

The benefits of purchasing an HDFC ERGO car insurance policy are as follows:

Inexpensive Premium

HDFC ERGO keeps in mind everyone’s budget constraints and has, thus, the premium offered on the HDFC ERGO car insurance is inexpensive and pocket-friendly.

Cashless Claim

If you choose this policy, you gain access to cashless claims at affiliated workshops across the country.

Super-fast Issuance of Policy

As soon as you enter the required details and submit relevant documents online, you shall receive your HDFC ERGO car insurance policy.

No Paperwork

Thanks to Finserv MARKETS, you can secure your HDFC ERGO car insurance online without worrying about submitting paperwork.

Hassle-free Claim Settlement

Now no stress related to collection of documents, as purchasing HDFC ERGO Car Insurance policy through Finserv MARKETS requires minimal paperwork.

Types of Car Insurance Plans Offered by HDFC ERGO

You can opt for the following HDFC ERGO car insurance plans:



What’s covered


Third-Party Insurance

Protects you against liabilities caused by damage, injury or loss to a third-party, and is a mandatory cover to be purchased.

● Personal Accident Cover

● Third-party Property Damage

● Injury to a Third-party person

Starts at Rs. 2072/-

Single Year Comprehensive Car Insurance

This policy includes third-party liabilities and own damage cover can be customised with add-on covers.

● Accident

● Personal Accident Cover

● Natural Calamities

● Third-party Liability

● Theft

● Fire

● Choice of Add-ons

Starts at Rs. 2072/-

Standalone Own Damage Cover

Protects you from damages caused to your own car and can only be applicable when you have a valid third-party cover.

● Accident

● Natural Calamities

● Theft

● Choice of Add-ons

Starts at Rs. 2072/-

Brand New Car Cover

This policy offers you a one-year coverage pertaining to damages to your own car, as well as a three-year third-party coverage.

● Accident

● Natural Calamities

● Theft

● Fire

● Personal Accident

● Choice of Add-ons

● Third-party Liability

Starts at Rs. 2072/-

How to Buy HDFC ERGO Car Insurance Online

Make note of the steps mentioned below to purchase HDFC ERGO car insurance online through Finserv MARKETS:

● Step 1: Enter details such as your mobile number, and your car’s registration number.

● Step 2: Fill in the necessary details requested.

● Step 3: Enter all details pertaining to your car and complete the application form.

● Step 4: Choose the insurance plan that best suits your specific requirements.

● Step 5: Pay your premium amount and voila, you’re done.

How to Calculate Premium for HDFC ERGO Car Insurance

When choosing the HDFC ERGO car insurance online, the premium you will have to pay is based on a multitude of factors, that include:

● Model and make of the car

Luxury cars and brands attract higher premiums than more economical cars – that attract lower premiums.

● Location of Registration

Metro city registered cars attract a higher premium than those registered in non-metro cities.

● Year of Registration

The older the car, the lesser the premium, and vice-versa.

● Fuel Classification

Given that petrol variant cars are cheaper than diesel variants, the former attracts lesser premiums than the latter.

● Add-ons chosen

The more add-ons chosen as a part of your policy, the greater the premium accrued.

● Nature 0f Policy

Comprehensive policies attract a higher premium rate than Third-Party policies.

● Plan Tenure

Long-term policies accrue a higher premium than short-term policies.

● Insured Declared Value (IDV)

This value is calculated on the basis of removing the depreciation rates from the market value of your vehicle. The lower the IDV, the lower the premium, and vice-versa.


Your HDFC ERGO vehicle insurance is subject to the following inclusions and exclusions:

  • Fire & Explosion

  • Theft

  • Natural Calamities

  • Accident

  • Personal Accident Expenses

  • Injuries or Damages to a Third-Party Person or Property

  • Replacement/Repair Costs


  • Driving Under the Influence of Alcohol or Drugs

  • Electrical/Mechanical Breakdowns

  • General Wear and Tear

  • Depreciation

  • Lack of a Valid Driver’s Licence

  • Loss/Damage due to a war-like scenario

Enhance your Coverage with Customised Add-on Covers

You can enhance your HDFC ERGO car insurance with the following add-on covers-

  • Zero Depreciation Cover

This add-on cover will help protect you from further financial loss when making a claim for any physical damages incurred on your vehicle. If you opt for zero depreciation cover, at just a slightly higher premium paid, you will not have to worry when undertaking any repair work.

  • Emergency Assistance Cover

At a slightly higher premium, this add-on cover will aid you when it comes to emergency services such as tyre change, refueling, towing, mechanic assistance, and so on.

  • Return-to-Invoice Cover

This add-on cover enables you to claim your invoice value, in the situation of theft or total loss or your vehicle.

  • No-Claim Bonus Protection

With this add-on cover, you can protect the no-claim bonus existing in your policy, even after the claim is processed in the policy period. Not only does it protect it, but also transfers the no-claim bonus to the next slab, earning you a higher discount on your premium.

  • Downtime Protection Cover

This add-on cover accounts for costs incurred by you for transportation, during the period when your vehicle is undergoing repairs.

  • Engine and Gear Box Protection

This add-on cover accounts for costs pertaining to engine and component damages such as the gearbox, cylinder, crankshaft, pistons, and so on.


HDFC ERGO Car Insurance Claim Process

Through Finserv MARKETS, you can claim your HDFC ERGO vehicle insurance following the steps given below:

Step 1: Go to the claim section on Finserv MARKETS and click on ‘Register a Claim’.

Step 2: Start by registering your claim.

Step 3: Upload the required documents.

Step 4: Choose either self-inspection of your car or digital inspection by a surveyor.

Step 5: Make use of the claim tracker to track the status of your claim.

Step 6: Once your claim is approved by the concerned garage, you shall receive your settlement.

Contact Details



In case of any assistance required, you can reach out through the following means:

Toll-Free Helpline Number- 1800 2666 400

Email Address-

SMS/Whatsapp- 7304524888

Customer Support Address

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


We, at Finserv MARKETS, aim to assist you every step of the way. In case of any assistance required, you can reach out through the following means:

Customer care- 020-66399444 (Mon to Sat from 10 am to 6 pm)


Customer Portal to view your policy details

In a Nutshell

When purchasing a car, it is vital that you also purchase a sound insurance policy – to protect your vehicle and yourself from financial liabilities you may incur due to unforeseen events. We, at Finserv MARKETS, believe that HDFC ERGO car insurance is one of the best motor insurance policies available in the market, catering to the unique needs of a wide range of customers.

Customer Reviews

HDFC ERGO Car Insurance Reviews

4.2out of 5

4 reviews

Super happy and grateful to Finserv MARKETS team for providing me best solutions and good discounts too on car insurance.

Appreciate the quick turn-around of my query.!!

What a seamless way of explaining plans by the executives. Thank you for the relentless effort towards keeping the communication transparent.

FAQs on HDFC ERGO Car Insurance

  • ✔️How is the HDFC ERGO new car insurance price different from the old car insurance price?

    Following the regulations of the IRDAI (Insurance Regulatory and Development Authority of India), the new car insurance price is higher than the older one, accounting for the number of claims made and the loss ratios incurred by insurers.

  • ✔️How does the insurance premium price for a new car differ from the insurance premium for an old car?

    The newer the car, the higher the insurance premium, and vice-versa.

  • ✔️Do I need to have a valid insurance policy to get my new vehicle registered?

    Yes, you must have a valid car insurance policy to register your new vehicle. In this case, having a third-party insurance policy will also help in the process.

  • ✔️What happens to my HDFC car insurance policy in case of a job and place change?

    In this case, while the policy remains the same, the premium may undergo a change, based on your new location, as premium rates differ from one registration zone to another.

  • ✔️If I sell my car, what happens to my HDFC car insurance policy?

    In this case, the policy gets transferred from your name to the new owner’s name. For the same, you will be required to submit supporting documents such as the sale deed, Form 29, Form 30, a NOC and NCB recovery amount.