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

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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/she can get a reimbursement for 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 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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