• HDFC Ergo Car Insurance Claim Process

     4.5 / 5.0   by 172 users
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    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 9 1 2 3 4 5
    • HDFC Ergo Car Insurance
      "Good Service and Online Support"
      0.5 4.5/5 "Excellent!"
      I took a Car Insurance from HDFC Ergo and the process was really simple and customer friendly. Also during the Insurance tenure I transferred ownership of my Car and I got an endorsement of my Car Insurance Policy on new owner name done ONLINE without any hassles.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 16, 2018
    • HDFC Ergo Car Insurance
      "Best option"
      0.5 4.0/5 "Great!"
      I got the claim for my car with the HDFC ERGO general insurance company. Its the direct claim by the car manufacturer. I would like to say that the response is very good one with the HDFC ERGO general insurance company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 06, 2018
    • HDFC Ergo Car Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I never had any claim experience with this HDFC ERGO GENERAL INSURANCE car insurance policy. I have got this policy around a year ago. The customer support and the response is good with the HDFC ERGO GENERAL INSURANCE company, they send the text messages to renew the policy before the due date.
      Was this review helpful? 0
      , nalgonda
      Reviewed on Feb 06, 2018
    • HDFC Ergo Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken the car insurance from HDFC ERGO GENERAL INSURANCE. The yearly premium amount is 30000. The policy benefits include bumber to bumber, zero depreciation, cashless garage and road assistance. Its a good policy with HDFC ERGO GENERAL INSURANCE.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 01, 2018
    • HDFC Ergo Car Insurance
      "Good Car Policy"
      0.5 5.0/5 "Blown Away!"
      In my last 15 years of experience, I have not claimed any thing. The premium was economical. they offered me third party cover and road side assistance. Its cover front bumper to back bumper its provides me 80% of IDV value on my Creta four wheeler.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 30, 2018
    • HDFC Ergo Car Insurance
      "Car insurance with HDFC ERGO"
      0.5 4.0/5 "Great!"
      I have taken a car insurance from HDFC ERGO GENERAL INSURANCE. The total premium amount for an year is 26000. They do provide road assistance, bumper to bumper and cashless too. They have reduced the premium amount from my car loan as i have taken from HDFC ERGO itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2018
    • HDFC Ergo Car Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with HDFC Ergo.I pay annual premium of 2000,payment is done through online. I get a good policy coverage amount.Its the best car insurance agency to opt for future benefits.Agent help me to understand better about the policy scheme.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2018
    • HDFC Ergo Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      HDFC Ergo was suggested by the showroom person. This insurance was taken when I bought the car. The policy coverage was 100% and its good. The claim process was very faster and good. I paid 10,570 approx to get this insurance. I use net banking to make the payment.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2018
    • HDFC Ergo Car Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance with HDFC ERGO from last 2 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 12000 for this insurance. I do not have claim experience so far with this insurance. The coverage and benefits are also good in this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 16, 2018
    • HDFC Ergo Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken my car insurance with HDFC Ergo. I had taken a car loan with HDFC Bank and they have suggested me the insurance policy with their own company. The premium was low when I compared to other companies. The customer service was okay. They also provide a cashless garages facility.
      Was this review helpful? 0
      , rohtak
      Reviewed on Jan 16, 2018
    • HDFC Ergo Car Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance with HDFC ERGO from last 2 months and this insurance policy is good when compared to all other insurance companies. I pay a premium of Rs 3000 for this insurance. I do not have claim experience with this insurance so far. I am happy with the coverage and benefits of this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 11, 2018
    • HDFC Ergo Car Insurance
      "Good bank"
      0.5 4.0/5 "Great!"
      I have taken a car insurance from HDFC ERGO general insurance. The premium amount is 29000. Its a bumber to bumber coverage for the car, They do provide road assistance and zero depreciation. The customer service and response is good.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 03, 2018
    • HDFC Ergo Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have all my car insurance with HDFC Ergo. I am using this service for past two years. Even I have changed my two wheeler insurance to HDFC Ergo. The charges are high compared to other companies. I am paying my premium through net banking. I am not aware of the policy coverage and cashless facility.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 02, 2018
    • HDFC Ergo Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have insured my car with the HDFC ERGO general insurance company and the coverage value is good one for me. I would like to say that the response is fine one for me with the HDFC ERGO general insurance company. I have not done with any claims with the
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 23, 2017
    • HDFC Ergo Car Insurance
      "Average policy to use"
      0.5 2.0/5 "Expected more"
      I am not aware of this HDFC ergo car insurance policy much. The customer support is average with this policy . I have paid around Rs.3,000 to get this policy. This policy is valid only for a year. I never had any claim experience with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 15, 2017
    • HDFC Ergo Car Insurance
      "Good insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with HDFC Insurance.Its best to get insured with the bank.I get a total policy coverage is 80%.I make a payment of a premium of 7000 per annum its done through cheque.I have a claim experience once with them overall is the best service.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • HDFC Ergo Car Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a car Insurance with Hdfc Ergo.I have been using the policy for last 5 years.I pay a premium of 15000 annually.I have a claim experience in the month of July they had reimbursed the full amount.The agent always gives a good response.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2017
    • HDFC Ergo Car Insurance
      " Worst Incident"
      0.5 1.0/5 "Really Bad"
      My car got accident couple of back, there was incident happened. I took photo of my car but I already done service by own source. When I gone claim for new damage with HDFC Ergo, they refused to provide. Then I complained to IRDA, they warned them, finally I done own service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 02, 2017
    • HDFC Ergo Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My car insurance was taken with HDFC Ergo. I pay premium of 9K yearly through internet banking. The claim experience was good. I never had a interaction with the customer service. The documentation process was simple with HDFC Ergo.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 28, 2017
    • HDFC Ergo Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a Car Insurance with HDFC ERGO.The premium amount is paid once in a year of Rs1000.I get a policy coverage of three lakhs.The customer service is prompt and respond on time.I make a payment through online .The website is efficient to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 28, 2017
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