HDFC Ergo Car Insurance
Buy or Renew Car Insurance to Protect Against
Accidental damage costs
Vehicle theft
Traffic challan penalties
HDFC Ergo Car Insurance Plans
HDFC ERGO
IDV
₹6,69,498
Zero depreciation
Cashless garage
+3 more ADD ONS
₹4,554
₹5,692
Exclusive of GST
About HDFC Ergo Car Insurance
Car insurance is a safety net that helps the insured (policyholder) cope with financial losses arising from vehicle damage. It prevents the insured from the monetary losses occurring out of accidents, theft, fire, or other possible risks to the vehicle and to themselves.
The car insurance is a contract wherein the insurance company promises to cover the financial damages, as stated in the policy. The policyholder needs to pay a fixed amount called ‘Premium’ at the agreed periods as per the contract.
Car insurance is a contract and a legal obligation that essentially covers the losses caused by your vehicle to the third party's property and life as per the IRDAI regulations.
Depending on the type of insurance, the coverage and the premium vary. There are several types of insurance designed to meet the diverse expectations of vehicle owners and cover financial losses in the event of an accident or any other mishap covered under the selected car insurance policy.
HDFC ERGO General Insurance Co. Ltd. is one of the leading car insurance providers in the country. With a claim settlement ratio of 99%, HDFC ERGO commenced its operations in 2002. With a bunch of car insurance plans, it aims to meet the financial coverage expectations of different vehicle owners.
Having over 8000 network garages across the country, HDFC ERGO car insurance plans are pocket-friendly, easy to buy, and are trusted by millions.
Moreover, to provide extra financial protection, it also offers several add-ons (optional), which car owners can opt for based on their driving needs. Another appealing feature is that it provides a maximum of 50% ‘No Claim Bonus’ (NCB).
What are the key features of HDFC Ergo car insurance
Features | Coverage & Benefits |
|---|---|
Inception | 2002 |
Claim Settlement Ratio (CSR) | 99% |
Cashless Garages | 8200 |
No Claim Bonus (NCB) | Yes |
24*7 Assistance | Yes |
add-ons | Yes |
Third-party Coverage | Yes |
Personal Accident Cover | Up to Rs 15 lakh |
Own Damage Cover | Available |
Car Insurance Premium | Starts at ₹2,094* (subject to change) |
Types of HDFC Ergo car insurance policy
HDFC Ergo Third Party Car Insurance Policy
Mandatory by law. Covers damages or injuries caused to others, but not your own car
HDFC Ergo Comprehensive Car Insurance Policy
Covers both your car and third-party damages. Protects against accidents, theft, fire, and natural disasters
HDFC Ergo Own Damage Car Insurance Policy
Protects only your car from accidents, theft, or disasters. Doesn’t cover third-party liabilities
HDFC Ergo Pay as you Drive Car Insurance Policy
Flexible plan where premium depends on how much you drive. Ideal for low-mileage users
Coverage under HDFC Ergo car insurance
What is Covered in Policy
Third-party liabilities
Accidents
Theft
Man-made acts
Natural calamities
Fire
Animal attack
What is Not Covered in Policy
Depreciation
Invalid driving license
Drunk driving
Outside Geographical area
Mechanical failure
Illegal driving
Damage due to war
Why car insurance important in India ?
Mandatory by Law
Ensures you comply with Indian traffic rules and avoid fines or penalties
Physical damage to your car
Protects against costly repairs from accidents, fire, or theft
Liability towards third-party
Covers injury or death of others in an accident caused by your car
Personal accident cover
Ensures financial support for you or your family in case of injury or death
Protection against repair costs
From minor scratches to major accidents, your policy keeps repair costs in check.
Third-Party Injury Cover
TP cover handles third-party treatment expenses after an on-road mishap, protecting you from hefty medical bills.
Protection for Death/Disability
Accident caused by your car: compensation for third-party disability, and for death, support to their dependents.
Personal Accident Cover for the Driver
PA cover provides compensation to the owner/driver’s family in case of death, easing severe financial stress.
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How to buy the HDFC ERGO car insurance policy?
Safeguard your car from the consequences of unforeseen circumstances. Get a reliable HDFC ERGO car insurance plan through Park+ quickly and in a hassle-free way.
Note: Choose a comprehensive policy to secure extensive coverage, and consider adding essential add-ons like Zero Depreciation and Engine Protection for enhanced protection.
How to renew a car insurance policy?
Kick out even the bare minimum possibility of the financial losses occurring out of car accidents or other adverse situations by renewing your car insurance policy with Park+ on time.
Note: Renew your car insurance on time to ensure that your No Claim Bonus (NCB) remains unaffected and continues to work in your favor.
How to claim a car insurance policy?
Encountered an accident/mishap? Worry not! Perform the below-enumerated actions to claim your monetary loss securely and quickly.
Note: Start the claims process immediately and adhere to your insurer's guidelines to prevent any unnecessary delays or claim rejections.
What are the documents required to buy car insurance policy ?
Here are the necessary documents one should have at the time of buying a car insurance policy and to get a claim.
Note: Keep all necessary documents ready for a smoother and faster claim experience, ensuring quick approvals and efficient processing.
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Calculate HDFC Ergo Car Insurance Premium
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FAQs- HDFC ERGO Car Insurance
Yes, under the Motor Vehicle Act 1988, it is mandatory for all registered vehicles in the country to have third-party car insurance.
Premium is decided considering several factors such as age of the vehicle, geographical location, gender, type of insurance, make and model of the vehicle, etc.
It usually takes a couple of minutes to get a digital copy of car insurance, say 5-10 minutes.
The leading car insurance providers include HDFC ERGO, ICICI Lombard, Go Digit, and Tata AIG; however, the best provider depends on individual choices.
The leading car insurance providers include HDFC ERGO, ICICI Lombard, Go Digit, and Tata AIG; however, the best provider depends on individual choices.