• HDFC Ergo Car Insurance Claim Process

     4.5 / 5.0   by 213 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 11 1 2 3 4 5
    • 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
    • HDFC Ergo Car Insurance
      "HDFC car insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance from HDFC ergo since they provide all the benefit with the policy for 1 year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passenger.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 29, 2018
    • HDFC Ergo Car Insurance
      "HDFC car insurance"
      0.5 4.0/5 "Great!"
      From HDFC ERGO GENERAL INSURANCE i have taken a car insurance.The policy comes with bumber to bumber, road assistance , accidental coverage and third party coverage, cashless garage. I have to renew the policy every year.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on May 29, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my two wheeler insured with HDFC ERGO from last 2 years, i pay a premium of Rs 2000 for this insurance policy every year. My claim experience was good with this insurance policy. I am happy with the coverage value as they cover bumper to bumper damages.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 28, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance with HDFC ERGO from last 5 years, i am happy with the coverage value of this insurance policy as it covers only bumper to bumper damages. I have not claimed anything so far from this insurance policy and the premium for this insurance is Rs 11000.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 20, 2018
    • HDFC Ergo Car Insurance
      "HDFC ERGO car insurance"
      0.5 4.0/5 "Great!"
      From HDFC ERGO GENERAL INSURANCE i have taken a car insurance were the premium of 30300 for a coverage of 1 year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well. I have to renew the policy every year.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on May 16, 2018
    • HDFC Ergo Car Insurance
      "Car insurance with HDFC ergo"
      0.5 5.0/5 "Blown Away!"
      From HDFC ERGO GENERAL INSURANCE i have taken a car insurance were the premium of 16000 for a coverage of 1 year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well. I have to renew the policy every year.
      Was this review helpful? 0
      , surat
      Reviewed on May 16, 2018
    • HDFC Ergo Car Insurance
      " HDFC ERGO car insurance"
      0.5 4.0/5 "Great!"
      From HDFC ERGO GENERAL INSURANCE i have taken a car insurance 7750. I am not sure about the benefits with the policy as i got the policy with my loan. But it comes with accidental and third party coverage.
      Was this review helpful? 0
      , dehradun
      Reviewed on May 15, 2018
    • HDFC Ergo Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a car insurance with HDFC ERGO from last 2 years, i pay a premium of Rs 18000 for this insurance policy. I am happy with the coverage value of this insurance policy and they cover only bumper to bumper damages. I have no claim experience so far with this insurance.
      Was this review helpful? 0
      , kochi
      Reviewed on May 02, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I am having a car insurance with HDFC ERGO from last 9months, i am happy with the coverage value of this insurance policy as they cover both bumper to bumper as well as third party damages. I do not have claim experience so far and i pay a premium of Rs 25000 for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 28, 2018
    • HDFC Ergo Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Hdfc Ergo car insurance service is good. The online portal is easy for navigation with lot of good options. They never asked for any documents as it was an paperless approval. The payments are through online. It was an good experience with Hdfc Ergo car insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 2 years, i am happy with the coverage value of this car insurance. I do not have claim experience so far with this car insurance. They cover bumper to bumper as well as third party damages. I pay a premium of Rs 17000 for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • HDFC Ergo Car Insurance
      "Car insurance with HDFC ERGO"
      0.5 5.0/5 "Blown Away!"
      I have taken the car insurance with HDFC Ergo and the yearly premium which i am paying is 20000. The provide bumber to bumber cashless garage, road assistance and accidental insurance as well. And yearly i have to renew the policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 19, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with HDFC ERGO from last 3 years, i am happy with the coverage valye of this policy, they cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance and the premium amount of this insurance is Rs 13000-14000.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 16, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with HDFC ERGO from last 2 months, i do not have any claim experience so far with this insurance and i have not experienced cashless garages. The premium for this car insurance is Rs 10000 which has to be renewed every year. They cover bumper to bumper damages on this insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 09, 2018
    • HDFC Ergo Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have insured my car in the HDFC Ergo general insurance company. The service is good from the HDFC ergo . I have insured the car by visiting the showroom directly. The payment was made through online. The documents were submitted in the showroom itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 05, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with HDFC ERGO from last 2-3 years and it is a good 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. They cover bumper to bumper as well as third party damages.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 05, 2018
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