Insurance is like a spare tyre. You may not require it, but not having one is not an option.

HDFC Ergo Car Insurance Add On Plans

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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

Once you have bought your dream car, make sure it is protected from any damage or loss by investing in the best insurance policy in the market today. Besides your regular insurance plan that covers the basics, you can opt for an Add-On plan that extends coverage, saving you both money as well as giving you a secure trip. HDFC Ergo Plans have the most comprehensive motor insurance plan to suit your every need, providing you with maximum coverage coupled with a range of benefits.

Opting for car insurance not only cuts down on any expenses you may incur, but also gives you the chance to expand on your existing cover so you can have a worry-free driving experience.


HDFC ERGO SILVER PLAN

The Silver Plan add-on provides you with additional Zero Depreciation claim, by which you will receive the full amount of the claim for own damage without depreciation deductions (batteries and tyres are excluded). By opting for this, you would be able to reduce your expenses and not worry about how parts are categorised under the policy.

The Motor Add-On features provided with the HDFC ERGO Silver Plan are mentioned in the below table:

Plan Add On

Silver Plan

Zero Depreciation

Yes

Downtime/ Loss of Use Protection

No

Gear box and engine

No

Consumables cost

No

No claim Bonus protection

No

HDFC ERGO GOLD PLAN

The HDFC ERGO Gold Plan provides you with loss of use or downtime protection in addition to the zero depreciation add-on, adding to the benefits.

The Motor Add-On features provided with the HDFC ERGO Gold Plan are mentioned in the below table:

Plan Add On

Gold Plan

Zero Depreciation

Yes

Downtime/ Loss of Use Protection

Yes

Gear box and engine

No

Consumables cost

No

No claim Bonus protection

No

HDFC ERGO PLATINUM PLAN

The HDFC ERGO Platinum Plan features zero depreciation, no claim bonus protection as well as engine and gear box coverage. This makes for a complete coverage that would cover the cost of repairs to your engine, thereby reducing the amount you pay for repairs.

The Motor Add-On features provided with the HDFC ERGO Platinum Plan are mentioned in the below table:

Plan Add On

Platinum Plan

Zero Depreciation

Yes

Downtime/ Loss of Use Protection

No

Gear box and engine

Yes

Consumables cost

No

No claim Bonus protection

Yes

HDFC ERGO TITANIUM PLAN

The HDFC ERGO Titanium plan gives you add-on coverage by providing zero depreciation, engine and gear box coverage, no claim bonus protection as well as the cost of consumables.

The Motor Add-On features provided with the HDFC ERGO Titanium Plan are mentioned in the below table:

Plan Add On

Titanium Plan

Zero Depreciation

Yes

Downtime/ Loss of Use Protection

No

Gear box and engine

Yes

Consumables cost

Yes

No claim Bonus protection

Yes

The Add-On features provided are as follows:

Zero Depreciation: Zero Depreciation is an add-on feature in car insurance wherein the insurance company provides complete coverage without depreciation being factored. The insurer will compensate you the entire cost of repair in the event of damage.

Benefits of Zero Depreciation:

  • Full coverage when it comes to settlement of claims, without taking into account depreciation.
  • Repair and plastic cost would be borne by the insurance company.

Points to remember:

  • Policy cost: the cost of policies that have zero depreciation cover is higher than a comprehensive plan since it offers total coverage without taking depreciation into account.
  • Fixed annual claims: insurers generally set a limit on the claims that can be filed in a year to prevent policyholders from claiming compensation for every minor scratch. Verify the number of claims you are eligible for and file a claim in case of large amounts.

Exclusions:

  • Zero depreciation cover is generally available only for cars less than 3 years old.

Downtime/ Loss of Use Protection: Loss of use protection coverage provides the policy holder with a fixed daily amount to cover his transportation costs by alternate means while the damaged car is either repaired or being replaced.

Benefits of Downtime protection:

  • No extra travel cost since your vehicle cannot be used due to damage.
  • Travel mode is not compromised.

Points to remember:

  • There are limits on the amount that will be reimbursed, which are mentioned below:

    • Private cars will be reimbursed a maximum of Rs. 500 for a day.
    • Reimbursement will be provided for upto 5 days in the case of partial loss claims and upto 15 days for theft or total loss claims.
  • A reimbursement claim can be made once for total loss or theft and a maximum of thrice for partial loss.

Exclusions:

  • This cover can be availed provided the insured vehicle is in the garage for more than 24 hours.
  • The insurer will not reimburse for longer than for 5 days in case of repair or 15 days in case or replacement.

Engine and Gear Box Protector: this add-on would cover damages to the internal components of the gear box or engine due to the following:

Water ingression. Any damage arising out of lubricant oil leakage.

Benefits of Engine and Gear Box Protector:

  • Coverage for damage to internal components.
  • No worry of high repair costs in case you drive your vehicle through waterlogged areas.

Points to remember:

  • The claim would have to be filed under the “own damage” clause of the policy.

Exclusions:

  • The claim does not extend to damage to the internal components like maintenance failure, clutch failure.
  • Labor costs 
  • Cost of repair and replacement of internal parts 
  • Machining charges 
  • Compression tests 
  • Engine cylinder re-boring 

Cost of Consumables: this add-on covers the cost of vehicle consumables such as engine oil, brake fluid and clutch fluid, coolant, screws, washers etc if they require replacement due to damage to the vehicle or its insured accessories.

Benefits of Cost of Consumables:

  • No extra expense incurred to replace consumables.

Points to remember:

  • Claims under this add-on can be filed provided thee claims in Section 1 of the policy can be paid out to the policyholder.

Exclusions:

  • Claims can be filed only in case of cost incurred to replace insured accessories.

No Claim Bonus Protection: by opting for this add-on, the policyholder would be given even if a claim is made in the event of an accident. This bonus can be accumulated and then utilised to receive discounts on the premium under “own damage”.

Benefits of No Claim Bonus Protection:

  • You can make up to 3 claims a year and still be eligible for your no claim benefit.
  • This add-on can be transferred to different vehicles provided the policyholder is the same.
  • Premium amounts would be significantly reduced.

Points to remember:

  • The 3 claims that can be made to avail of the benefit are those arising out of:
    • Windshield glass damage
    • Parked vehicle loss due to external means
    • Parked vehicle loss due to acts of god like earthquakes, flood.

Exclusions:

  • Benefit cannot be availed if any claims excluding the ones listed above are filed.

Emergency Assistance Service Programme 

In order to enhance the overall services provided under ‘emergency’, HDFC Ergo provides its customers with an Emergency Assistance Service Programme. This service programme basically helps the policyholder deal with any technical or mechanical breakdown of the vehicle. It also provides assistance in the case of a road accident. Its main objective is to impart a pleasurable driving experience to the customers. 

Features of Assistance Service Programme 

  1. Duplicate keys 
  2. Battery jump start 
  3. ‘On-site’ minor repairs of the insured vehicle 
  4. Fuel delivery 
  5. Change of tyre (s) 
  6. Emptying of fuel tank 
  7. Removal of the insured vehicle 
  8. Towing of the insured vehicle

Return to Invoice 

Typically, in case of loss or theft of your vehicle, you receive the Insured Declare Value amount only. However, if you opt for the Return to Invoice option, you can get the differential amount between the IDV and the ex-showroom value of the vehicle. This differential amount will reduce the burden of cost. 

Elements Not Covered Under Return to Invoice

  1. If the vehicle has been recovered within a period of 90 days. 
  2. FIR under theft claim will not be issued by Police Authorities. 

Emergency Assistance Wider Cover 

This add-on cover essentially helps you in a sticky situation like loss of car keys. It is also applicable in cases of misplacement or theft.  

Since the above-mentioned add-on features are illustrative exclusions, applicants are always advised to read the detailed policy brochure. 

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

HDFC Ergo Car Insurance Reviews

Page 1 of 13 1 2 3 4 5
  • HDFC Ergo Car Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    Even my car was insured with HDFC Ergo. It is a second-end car and have chosen the third party insurance. I have not done any claim so far. The premium is reasonable. It offers bumper to bumper facility and road side assistance. The policy period is 2 years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Car Insurance
    "Good service provider"
    0.5 4.5/5 "Excellent!"
    The reason to avail HDFC Ergo policy, my banker have suggest this insurer for my car. They gave me the best insured value around Rs. 6 lakhs based on the vehicle age. I have Hyundai I20 car, they are providing 24/7 helpline and cashless service.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 04, 2019
  • HDFC Ergo Car Insurance
    "Good Car Insurance"
    0.5 5.0/5 "Blown Away!"
    Its a zero depreciation policy which i purchased for my car. From last 3 years i have been continuously renewing the policy through HDFC Ergo. My dealer has provided the policy when i purchased a car. Its a bumper to bumper covered car insurance. I have been paying the premium amount of RS. 14800 and i am satisfied with the coverage value they have provided this policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 02, 2019
  • HDFC Ergo Car Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have take car insurance from the HDFC ERGObased on the befits and comfortable premium amount . They are giving Bumper to bumper coverage . They explained the policy benefits and claiming process . Overall am satisfied with my policy and service .
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Dec 16, 2018
  • HDFC Ergo Car Insurance
    "Average Policy"
    0.5 3.5/5 "Pretty good"
    I hold a car insurance with HDFC ERGO from more than 1.5 years, a premium of Rs 5000 has to be paid for this insurance policy every year. I did not claim anything so far from this insurance policy. They cover bumper to bumper damage for this car insurance.
    Was this review helpful? 0
    , pune
    Reviewed on Dec 01, 2018
  • HDFC Ergo Car Insurance
    "Good Protection for four wheeler"
    0.5 4.0/5 "Great!"
    The premium was economical for one year car insurance with HDFC Ergo. Now I have option for three years, I have comprehensive loan it covers for loss, damage, personal accidental with zero dep protection like bumper to bumper. The process activation was good I took for 2014 model Renault duster.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 28, 2018
  • HDFC Ergo Car Insurance
    "Good coverage and cashless garages is good. "
    0.5 5.0/5 "Blown Away!"
    They have very good garages in PUNE. Its a bumper to bumper covered policy apart from tyres and glasses. They have provided me a coverage value of Rs. 4.5 lakhs and i was asked for 5.5 lakhs hence i'm not satisfied with it. I have paid the premium amount of Rs. 14.5 including GST. Because of the features i have selected the HDFC Ergo policy. Once i called them for road side assistance and they have managed well.
    Was this review helpful? 0
    , pune
    Reviewed on Nov 26, 2018
  • HDFC Ergo Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I took a car insurance with HDFC Ergo before one year and am gonna renew with the same insurer. It was quick and good. They are giving good suggestion for the policy. I had paid 10K for one year. They have sent the policy papers to me through email. They are providing bumper to bumper offer for 4 years.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 24, 2018
  • HDFC Ergo Car Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    My car insurance was offered by the bank along with the loan. They are offering bumper to bumper for almost 3 years and later 3 years its going to be minimal amount as warranty. The customer service is really good and it happens immediately by single person. I have got the insurance papers on time.
    Was this review helpful? 1
    , bangalore
    Reviewed on Nov 21, 2018
  • HDFC Ergo Car Insurance
    "Good insurance policy"
    0.5 4.0/5 "Great!"
    I had a claim experience once. It was amazing experience. I was just submitted the cocuments in the dealer and they have taken care of all the things. They have given the 100% coverage value. I have started using this HDFC ergo car insurance for past 1 year. I have paid a premium amount as Rs. 40000. I never interacted with the customer care services.
    Was this review helpful? 1
    , mumbai
    Reviewed on Nov 16, 2018
  • HDFC Ergo Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I hold a car insurance policy with HDFC ERGO from long time, i got this insurance through showroom as agent himself gave this insurance, I am not aware of the premium amount for this insurance policy. I have no claim experience so far with this insurance policy.
    Was this review helpful? 0
    , noida
    Reviewed on Nov 16, 2018
  • HDFC Ergo Car Insurance
    "Not satisfied"
    0.5 2.0/5 "Expected more"
    I hold a car insurance with HDFC ERGO from last 1 year, a premium of Rs 12200 has to be paid for this insurance policy. This policy has full coverage with 0% depreciation. My claim experience was not good, the bill amount was for Rs 40000 but they covered only Rs 26000. There was no cashless garage facility provided.
    Was this review helpful? 1
    , new delhi
    Reviewed on Nov 15, 2018
  • HDFC Ergo Car Insurance
    "Satisfactory"
    0.5 5.0/5 "Blown Away!"
    I have compared in online for car insurance and gone for HDFC Ergo. The top one is Reliance and HDFC, though reliance is providing more benefits since I know HDFC is very well so opted for HDFC Ergo. It is a easy process. No claim gone till now. I have paid 12K to purchase and bumper to bumper offer is available.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 02, 2018
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I hold a car insurance policy with HDFC ERGO from last 1 year, I am not aware of the premium amount for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the coverage value of this insurance policy.
    Was this review helpful? 0
    , pune
    Reviewed on Nov 01, 2018
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My car is insured with HDFC ERGO from last 1 year and it is a good insurance policy. I pay a premium of Rs 5000 for this car insurance policy. I have no claim experience so far with this car insurance policy. This policy covers only bumper to bumper damage.
    Was this review helpful? 0
    , chennai
    Reviewed on Oct 31, 2018
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I hold a car insurance policy with HDFC ERGO from last 1 year, a premium of Rs 15000 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy. This policy has full coverage with 0% depreciation.
    Was this review helpful? 0
    , jabalpur
    Reviewed on Oct 31, 2018
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I hold a car insurance policy with HDFC ERGO from last 1 year, a premium of Rs 15000 has to be paid for this insurance policy. I have taken this policy for 3 years. I have no claim experience so far with this insurance policy. This policy covers only 3rd party damage.
    Was this review helpful? 0
    , thane
    Reviewed on Oct 31, 2018
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken car insurance with HDFC ERGO for 1 year, a premium of Rs 33000 has to be paid for this insurance policy. I have no claim experience so far with this car insurance policy. This policy has full coverage with 0% depreciation.
    Was this review helpful? 0
    , mumbai
    Reviewed on Oct 31, 2018
  • HDFC Ergo Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a car insurance policy with HDFC ERGO for 1 year, A premium of Rs 7000 has to paid for this insurance policy. My claim experience was good with this insurance and they provided cashless garage. This policy has full coverage.
    Was this review helpful? 1
    , navi mumbai
    Reviewed on Oct 30, 2018
  • HDFC Ergo Car Insurance
    "Not satisfied"
    0.5 2.0/5 "Expected more"
    There was a spelling mistake of my name on documents of car loan, i have taken the insurance policy with HDFC ERGO for 1 year. A premium of Rs 25000 has to be paid for this insurance policy. This policy has full coverage with 0% depreciation.
    Was this review helpful? 2
    , nagpur
    Reviewed on Oct 30, 2018
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