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With over 7100 network garages, HDFC ERGO car insurance assures you of a quick and hassle-free claim settlement process. Depending on where you get your car repaired, you are eligible for a cashless or reimbursement claim. 

 

While a network garage offers the convenience of cashless repairs, you can also claim reimbursement when you get your car repaired at a non-network garage. 

 

To file a claim, you must notify the insurer about the accident as early as possible. Then, if required, you can ask for towing assistance. At the garage, a company executive surveys your car.

 

After getting approval, the repair work begins. Your insurer will settle the bill directly if it is a network garage. However, at a non-network garage, you must make the payment upfront and then you can file for reimbursement. Read on for a better understanding of the HDFC ERGO claim settlement ratio and process.

Check Out the Car Insurance Plans Available at Bajaj Markets

Name of the plan

Features

Cost of the plan

ACKO

High claim ratio settlement of 82.35%

Paperless documentation process

Nominal premium amounts

Personal accident coverage up to ₹15 Lakhs

Digital renewal process

Premium starting at ₹2094

HDFC ERGO

Personal accident coverage up to ₹15 Lakhs

HDFC ERGO Claim settlement ratio of 70.02%

Overnight repair facility

Emergency assistance

Speedy process

Up to 7,700+ cashless network garages across the country

Premium starting at ₹2094

BAJAJ Allianz

Claim ratio settlement of 68.06%

24X7 roadside assistance

Cashless claim option

Quick online renewal options

Speedy claim settlement process

Up to 4,500+ cashless network garages

Premium starting at ₹2094

Disclaimer: The prices are subject to change based on the discretion of the third-party insurance provider.

How to File an HDFC ERGO Car Insurance Cashless Claim?

Filing a cashless claim with HDFC ERGO car insurance is an easy task. No paperwork is involved and there is no need to pay any expense out of pocket, barring the necessary deductibles.

 

All the repair expenses of your vehicle are paid directly to the network garage by HDFC ERGO. However, the cashless claim facility is only available if you get your car repaired at any one of the listed network garages.

 

Follow the steps mentioned below to file an HDFC ERGO cashless claim: 

 

  • Step 1: Firstly, intimate your car insurance partner, HDFC ERGO, at the earliest. You can call the toll-free number – 18002700700.

  • Step 2: HDFC ERGO will assign a car insurance surveyor to inspect the car damage and verify your claim. The official will provide you with an estimate of your car claim settlement amount. Once you receive the estimate, you can file your cashless car insurance claim. With the HDFC ERGO claim settlement ratio of 70.02%, you can rest assured of the process.

  • Step 3: Take your car to the nearest network garage of HDFC ERGO and get the necessary repairs done. The insurer will directly settle the repair bills with the network garage. However, remember that you may have to pay the car insurance deductibles yourself. Once you make the payment, you can take the car home.

It’s that simple! Your HDFC ERGO car insurance claim process is now complete.

How to File a Reimbursement Claim on Your HDFC ERGO Car Insurance Policy?

A reimbursement claim is where you pay the total repair expenses for your vehicle from your pocket and then file a car insurance claim. After verifying your claim, the insurer reimburses the repair cost to you.

 

Reimbursement claims are applicable if you get your car repaired at a non-network garage. Here is a quick overview of the process you must follow when filing a reimbursement claim with HDFC ERGO.

 

  • Step 1: Inform HDFC ERGO about the car damage at the earliest. You can call the toll-free number – 18002700700. 

  • Step 2: HDFC ERGO assigns a car insurance surveyor to assess the loss caused to your car.

  • Step 3: Once the insurance surveyor gives you an estimate of the claim settlement amount, take your car to a garage of your choice for repair.

  • Step 4: Submit a copy of the car repair invoice to HDFC ERGO.

  • Step 5: Wait for the processing of your car insurance claim. Alternatively, you can check your HDFC ERGO car insurance claim status online.

  • Step 6: Once HDFC ERGO verifies and approves your claim, you get the amount reimbursed to your bank account.

Whether you opt for a cashless or reimbursement claim, the HDFC ERGO claim settlement ratio of 70.02% ensures a speedy and transparent process.

Documents Required for Claim Settlement 

As part of the HDFC ERGO car insurance claim settlement process, you must submit a list of documents. Knowing what they are in advance can help you be better prepared, prevent unnecessary rejections and speed up the claim process.

 

That said, the documents you submit may vary depending on the reason for filing the claim. 

 

Here is a quick look at the documents needed to file an accident claim.

 

For Accident Claims 

  • Original HDFC ERGO car insurance policy document

  • A copy of the Registration Certificate (RC) of your car

  • A copy of your driving licence or of the individual driving the car at the time of the incident

  • A copy of the First Information Report (FIR) filed at a police station 

  • An estimate of repairs from the garage

  • Know Your Customer (KYC) documents such as proof of identity and address 

Note: If the accident is due to a strike, riot, or a rebellious act, it is mandatory to file an FIR at a police station.

 

For car thefts, submit the following documents while filing a claim with HDFC ERGO:

 

For Theft Claims

  • Original HDFC ERGO car insurance policy document

  • A copy of the Registration Certificate (RC) of your car, along with the original keys of the vehicle 

  • A copy of the First Information Report (FIR) filed at a police station, along with the final police report

  • RTO transfer papers

  • Know Your Customer (KYC) documents such as proof of identity and address 

  • A letter of indemnity and subrogation 

What Should You Do to Avoid a Rejection of Your HDFC ERGO Car Insurance Claim?

Though the HDFC ERGO claim settlement ratio is approximately 70.02%, it is crucial to note a few points when filing a claim. This can help you avoid claim rejection and speed up the claim settlement process. 

 

Here is a list of pointers you should be mindful about:

 

  • Ensure that the car insurance policy is in your name 

  • Submit complete and accurate information to your car insurance partner

  • Inform your insurer about the car incident at the earliest 

  • Notify your car insurer before taking your car for repairs

  • Refrain from providing false and/or invalid information to your insurer

  • Avoid filing an insurance claim for car damage not covered in your policy

  • Avoid filing a claim for damages sustained by your car before purchasing the HDFC ERGO car insurance policy

  • Refrain from carrying out any malicious or illegal activity intended to defraud your car insurer

  • Avoid driving and damaging your car under the influence of alcohol or drugs

  • Refrain from filing a claim on a lapsed car insurance policy

  • Submit valid supporting documents, including an active driving licence

About HDFC ERGO No Claim Bonus

The HDFC ERGO claim settlement ratio is high and this insurer’s car insurance plan comes with added benefits. One such benefit is the No Claim Bonus (NCB). If you do not file a claim for a particular financial year, you are eligible for the NCB benefit. 

 

This benefit can help reduce your premium considerably. The NCB benefit ranges from 20% to 50% and every claim-free year helps you accumulate it. However, note that the NCB benefit is applicable only for standalone own damage and comprehensive plans. 

 

For improving your NCB benefits, the ideal option is to renew your insurance plan within 90 days after the expiry date. If there is a delay beyond the grace period, your NCB benefits become inapplicable.

 

As you can clearly see, filing an HDFC ERGO car insurance claim is easy and can be done within just a few minutes. That said, keep these pointers in mind.

 

In the event of an accident or theft of your car, visit the police station under whose jurisdiction the accident or theft has occurred. Then, file a First Information Report (FIR) without any delay.

 

Once you file the FIR, the next step is to inform the car insurance provider. Proper and timely notification of an incident involving your car is a crucial step in the car insurance claim process. Failure to do so can lead to your claim being delayed or even rejected.

Check Out Car Insurance Plans Available at Bajaj MARKETS

FAQs on HDFC ERGO Car Insurance Claim Settlement

  • ✔️What are the two types of car insurance claims I can file with HDFC ERGO?

    You can file two types of HDFC ERGO car insurance claims: cashless or reimbursement claims.

     

  • ✔️Which documents need to always be kept in my car?

    Keep the following documents in your car:

    • A copy of the car's Registration Certificate

    • A copy of your car insurance policy

    • A copy of your Driving Licence

    • Latest Pollution Control Certificate for your car

  • ✔️Do I have to pay anything if I file a cashless car insurance claim?

    Yes, you must pay the amount of the car insurance deductibles as mentioned in your insurance policy, even if you file a cashless claim. The rest of the repair expenses shall be paid by your insurer as per the terms of the policy.

  • ✔️How can I track my HDFC ERGO car insurance claim?

    You can check your HDFC ERGO car insurance claim status online. However, the insurer shall inform you of the latest updates in the claim application via SMS and/or email.

  • ✔️Do I need to register an FIR to file a car insurance claim?

    You need to register a First Information Report (FIR) at the applicable police station if your car is involved in an accident or if it has been stolen. In both scenarios, a copy of the FIR is necessary supporting documentation to file your car insurance claim.

     

  • ✔️What are the things that I need to avoid at the accident spot to avoid claim rejection?

    Follow these points to avoid claim rejections:

    • Make sure not to drive away your car away from the specific place of the incident 

    • Give correct details to the insurer

    • Make no monetary settlement with any third party without checking in with the insurer

    • Sign the claim settlement form after assessing your policy documents thoroughly

  • ✔️What precautions should I take for an effortless and prompt HDFC ERGO car insurance claim settlement?

    Though the HDFC ERGO car insurance claim settlement ratio is high, it is important to follow the correct procedure. This way you can lower the chances of your claim getting rejected. 

     

    Make sure not to drive your car in a drunken state. Avoid violating traffic rules and keep all essential documents in your car. Study the policy inclusions and exclusions before filing a claim.

     

  • ✔️What are the things to avoid while filing your car insurance claim?

    Ensure you provide correct details about the incident to the insurer. Follow the traffic rules properly and submit all documents. It is also important that you read the policy terms and conditions thoroughly.

  • ✔️How should I file a claim for my stolen car?

    First, you have to lodge an FIR at the nearest police station. Inform your insurer about the theft. Upon receipt of a non-traceable report, transfer the RC of your stolen car along with a subrogation letter to your insurer.

     

  • ✔️What is the HDFC Ergo Health Insurance Claim Settlement ratio?

    The HDFC Ergo Health Insurance Claim Settlement ratio is around 70.02%.