Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • HDFC Ergo Car Insurance Claim Process

     4.5 / 5.0   by 229 users
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    Policy Coverage

    Customer Service

    Claim Experience

    Cashless Garages

    You can easily register a claim and get settlement in a hassle-free manner if you hold an HDFC Ergo Car Insurance policy. The HDFC Ergo Car Insurance Claims process has been explained in detail below:

    During Claim intimation to the HDFC Ergo Customer Care, you will need to have the following documents ready with you:

    • RC Book Copy
    • Copy of the Driving License
    • A copy of the policy or cover note

    The driving license copy should be of the individual who is driving the vehicle. It is advisable to carry these with you in the vehicle so that it can be used is a need arises.

    Claims Process

    In the event of an accident, follow these steps:

    • Take down the registration number of the other vehicle which is involved in the accident as well as the name and contact details of the witnesses. These two steps will be essential when you are filing an FIR at the police station. An FIR has to be filed if there is damage to third party property, injury, theft of insured vehicle, and other major loss/ damages.
    • After that you can call the HDFC Ergo Customer care and register your claim, through the toll free number - 18002700700. They will then give you a claim number for reference.
    • The call center executives will also assist you in getting help for towing the vehicle and to find the closest network garage.
    • From the authorized garage you can get a repair estimate which should be submitted along with the filled claim form and other necessary documents for claim processing.
    • If the policyholder wants to take the insured vehicle to his/her preferred garage which is not a network garage under HDFC Ergo, then they should ensure that the parts which are replaced are genuine and procured from authorized dealers. After paying the repair bills, he can get a reimbursement n the same by submitting the cash memos/ bills to HDFC Ergo. The amount spent on repairing the damages will be reimbursed after the company evaluates the bills and other documents.
    • Any costs related to depreciation, non-accident related repairs and other small deductibles have to be paid by the policy holder. The rest of the costs are covered by the insurance provider.
    • Sign the satisfaction voucher once you get the car back from the garage (cashless facility). The expenses incurred, apart from depreciation costs, consumable items and compulsory expense, will be taken care of by the company.
    • The claim settlement can take up to 30 days if the accident was major and the repair costs are more than 75% of the insured amount.
    • In the event of theft of the insured vehicle, the company will hire a private investigator to track the same and for this purpose all associated documents will be collected from the police. In this case, the claim settlement process may take up to 60 days.

    Documentation Required for HDFC Ergo Car Insurance Claim Process

    1. Accident Claims
      1. RC Book copy
      2. Copy of driver’s license of the individual driving the insured vehicle at the time of the incident.
      3. FIR filed at the police station
      4. Repair estimates from the garage
      5. Know Your Customer documents
      6. If the accident has risen out of a mutinous act, strikes or riots, then filing an FIR is mandatory.
    2. Theft Claims
      1. RC Book copy and original keys to the vehicle
      2. FIR filed at the police station as well as the final police report
      3. RTO transfer papers
      4. KYC Documents
      5. Letter of Indemnity and Subrogation

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

    Claim Reviews

  • Page 1 of 12 1 2 3 4 5
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with HDFC ERGO for 1 year, i am happy with the policy benefits and plan coverage of this insurance policy. A insurance premium of Rs 18000 has to be paid for this insurance policy. This policy includes full coverage.
      Was this review helpful? 1
      , gulbarga
      Reviewed on Sep 12, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with HDFC ERGO and i have taken this insurance for 1 year, a premium of Rs 21000 has to be paid for this insurance policy. The benefits of this insurance is, there is full coverage for this insurance and they can cover up to 90%.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Sep 08, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have my car insured with HDFC ERGO and i have taken this insurance for 1 year. I am not aware of the premium amount for this insurance policy. They cover bumper to bumper damage for this insurance policy and the customer service was good with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 1 year and it is a good policy to use. I have to pay a premium of Rs 19000 for this insurance policy. I have not claimed anything so far from this insurance policy and they cover bumper to bumper damage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 06, 2018
    • HDFC Ergo Car Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      . I have taken car insurance from Hdfc ergo. Am not satisfied with the premium amount which i paid where i had to pay extra rs 2000 for the policy . While claiming i had very bad experience as they not responding where i have given several follow ups . I will not recommend this policy , as they didn't kept their promise while taking this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 04, 2018
    • HDFC Ergo Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      My car is insured with HDFC ERGO from last 9 months and it is an average policy to use. A premium of Rs 9000 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy and they cover bumper to bumper damage.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Aug 31, 2018
    • HDFC Ergo Car Insurance
      "Average Policy"
      0.5 3.5/5 "Pretty good"
      I have a car insurance with HDFC ERGO from last 9 months, i pay a insurance premium of Rs 17000 for this insurance policy. I have no claim experience so far with this insurance policy. Coverage value is very good in this policy and the charges are bit high.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 30, 2018
    • HDFC Ergo Car Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      My Car is insured with the HDFC Ergo. There's nothing special about the insurance policy and the IDV value is also nominal. I do not have any claim experience with the policy so far. So far there hasn't been any issues with their services.
      Was this review helpful? 2
      , new delhi
      Reviewed on Aug 13, 2018
    • HDFC Ergo Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      My car insurance is with HDFC Ergo. The customer services and response is good. The process to get the policy was easy. They have a good policy coverage and there are features of road side assistance. The premium is also okay too for me. Satisfied overall.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Aug 10, 2018
    • HDFC Ergo Car Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My car insurance is with HDFC Ergo. The process to get the policy is good and smooth. The premium is economical and it is easy to pay it online. The policy coverage is also good. But they can provide a better coverage too. Overall good and satisfactory.
      Was this review helpful? 2
      , guwahati
      Reviewed on Aug 09, 2018
    • HDFC Ergo Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken card insurance from the Hdfc ergo. Am getting Bumper to bumper coverage ,and cashless garage option . AM satisfied with the premium amount which am making yearly through online banking . Their customer executive explained policy very well .
      Was this review helpful? 2
      , chennai
      Reviewed on Jul 27, 2018
    • HDFC Ergo Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I got Car insurance from Hdfc ergo As The premium amount is nominal one am satisfied with it , as it has low premium amount with cashless garages comprehensive cover with bumper to bumper coverage .Customer service and response is good . I pay it every 2 years through on-line banking
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance policy with HDFC ERGO from more than 4 years, a premium of Rs 8000 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • HDFC Ergo Car Insurance
      "Average Policy"
      0.5 3.5/5 "Pretty good"
      My car insurance is with HDFC ERGO from last 1 year, i pay a premium of Rs 12000 and it has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am not happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 3 years and it is a good policy to use. I pay a premium of Rs 6300 for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value and they cover bumper to bumper damages.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Car Insurance
      "Below average service"
      0.5 2.0/5 "Expected more"
      Taken car Insurance from Hdfc general insurance company for last 2 years .And am making payments through on-line banking service annually . It has the benefits of bumper to bumper coverage , cashless garages Their customer service and response is good . It has good coverage policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 03, 2018
    • HDFC Ergo Car Insurance
      "Good Service so far"
      0.5 5.0/5 "Blown Away!"
      I've been using the HDFC Ergo Car insurance for a while now. I pay a premium of 19000 per year. I never had any claim experience with the policy. Overall it has been a smooth experience with the policy so far. I'll have to wait and see how they respond to my request in future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance and i pay a premium of Rs 9900 for this insurance. They cover only thirds party damages in this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2018
    • HDFC Ergo Car Insurance
      "HDFC car insurance"
      0.5 4.0/5 "Great!"
      I have taken a car insurance from HDFC ERGO and the policy benefits include bumber to bumber,road assistance and cashless garage.Its a Good policy as this policy cover all the benefits.I have to renew the policy every year.
      Was this review helpful? 0
      , noida
      Reviewed on May 31, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance with HDFC ERGO from last 6 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 10000-12000 for this insurance policy and has to be renewed every year. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on May 30, 2018
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