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HDFC Ergo Auto Insurance

HDFC ERGO Auto Insurance or Motor Insurance policy is an insurance policy offered by HDFC ERGO, one of India’s leading general insurance firms. HDFC ERGO is a joint venture (51:49) between the Housing Development Finance Corporation (HDFC), a premier housing finance institution and ERGO International AG, an insurance provider, which is a part of the Munich Re Group of Germany.

The auto/motor insurance policy from HDFC ERGO offers protection to vehicles by covering the costs of damage to the vehicle in case of theft, accidents, and natural calamities. In India, it is mandatory to have Vehicle Insurance, but this should not be the only reason for you to have one. There are many benefits of having motor insurance and we have listed them for you below.

Why do you need motor insurance?

  • A motor insurance policy will take care of the financial liabilities that you may have in the event of your vehicle facing any unforeseen mishaps such as theft, accidents, damages due to fire, riots, floods, cyclones, etc.
  • Damages caused to another person’s vehicle will also be covered under motor insurance.
  • Injuries caused to the people travelling in the vehicle are also covered under motor insurance.
  • The owner or the driver of the vehicle will also be covered under the personal accident cover of a motor insurance policy.
  • Many motor insurance policies also provide additional roadside assistance in cases of a car breakdown, emergency fuel, flat tire, lockout due to loss of keys, etc.

The above-mentioned coverage offered by motor insurance makes it a good investment that can come in handy when your vehicle meets with an unfortunate mishap.

Types of Auto/Motor Insurance offered by HDFC Ergo:

HDFC ERGO offers motor insurance policies of three types -

  • Private Car Insurance
  • Two-wheeler Insurance
  • Commercial Vehicle Insurance

Private Car Insurance – This policy offers a comprehensive cover for your vehicle which includes coverage for damages caused to the vehicle due to accidents, burglary, fire, riots, transit by rail/road/lift/inland waterway, natural calamities such as flood, earthquake, landslide, etc. The policy also offers personal accident cover for the car’s registered owner. There is also an option of purchasing a personal accident cover for paid drivers and passengers. Another coverage offered under the private car insurance is the legal liability that may arise out of the car’s use for accidental injury or death of any third party and any damage caused to a third party’s property.

Two-wheeler Insurance - This insurance policy by HDFC ERGO is meant for comprehensive coverage of your two-wheeler against damages, accidents, theft, etc. Two types of insurance policies are offered by HDFC ERGO for two-wheelers. One is the ‘Two Wheeler Comprehensive Insurance’ and the other is the ‘Two-wheeler liability only-Multiyear policy’. Both these policies offer complete protection for your bike against probable threats of accidental damage and third-party liabilities.

Commercial Vehicle Insurance - This insurance policy ensures complete protection of various vehicles meant for commercial purposes such as goods carriers, passenger carrying vehicles, trailers, special kinds of vehicles like shovels, rig, grabs, excavators, tractors, etc. The commercial vehicle insurance policy by HDFC ERGO offers specialised, custom-made features to cater to specific business requirements.

Why you should opt for HDFC ERGO Auto/Motor Insurance:

  • Transparent claim settlement process – Utmost transparency is practised during the settlement of claims to ensure that the entire process is conducted fairly.
  • Round-the-clock support – The helpline numbers of HDFC ERGO offer 24/7 assistance to customers so that their queries and issues are resolved immediately.
  • Swift approval of claims – The claims are settled swiftly, usually within 24 hours of the vehicle arriving at the garage.
  • Convenience of purchase – The auto/motor insurance policy from HDFC ERGO can be purchased online without the need to visit the branch office. This offers a lot of convenience to customers who do not have the time to visit the nearest branch.
  • Trusted by lakhs of customers – HDFC ERGO boasts of making over 75 lakh customers happy by offering them exemplary insurance services. ICRA has rated the insurer iAAA which is an indication of its high ability to fulfil the claims raised.

Coverage offered by HDFC ERGO Auto/Motor Insurance:

The auto/motor insurance offered by HDFC provides coverage for the following:

  • Any damage caused to the vehicle as a result of – a) accidents b) explosion, fire, lighting, self-ignition c) theft, burglary d) transit by rail, road, lift, inland waterway e) strike, terrorism, riots, malicious acts f) storm, earthquake, flood, landslide.
  • Personal accident – If the driver of the vehicle, who is also the registered owner of the vehicle is involved in an accident and is injured, HDFC ERGO will offer coverage for the medical expenses incurred. Occupants of the car can also be offered coverage on payment of an additional premium.
  • Legal liabilities involving a third party – HDFC ERGO will offer coverage for any legal liabilities associated with the accidental injury or death caused to any third party. Under this, any damage caused to the property of a third-party individual will also be covered.

What is not covered under the HDFC ERGO Auto/Motor Insurance?

The HDFC ERGO Motor Insurance does not offer coverage for the following:

  • Electric or mechanical breakdown/failure of the vehicle
  • Wear and tear of the vehicle
  • Damage done by a driver who does not hold a valid license
  • Loss/damage caused by acts of war, nuclear risks, and mutiny
  • Damage done by a driver under the influence of drugs or alcohol
  • Damage to tubes and tyres unless caused during an accident
  • Damage or loss of the vehicle caused outside the country
  • Damage or loss of the accessories of the vehicle due to burglary or theft except in cases where the vehicle was stolen at the same time (applies to two-wheelers and commercial vehicles)
  • Hire and reward usage

How to file a claim with HDFC ERGO Auto/Motor Insurance

If the insured vehicle suffers damage due to an accident, the customer needs to call the toll-free customer care of HDFC ERGO at 1800-2-700-700, provide the policy number, and make a registration for the claim. Please note that the toll-free number is accessible only within India.

Alternatively, customers can register a claim online on the website of IPO or mobile application of IPO. The user will need to input his/her personal details, link their policy, and click on the ‘Claims’ tab. Once they click on the tab, the claim will be registered.

While making an intimation of the claim users should keep the below-mentioned details handy:

  • Policy number
  • Details of the driver at the time of the accident which will include the driving license number
  • Copy of RC or registration details
  • Estimate of the repair charges
  • Copy of the FIR (depending on the case)

Claim process of HDFC ERGO Auto/Motor Insurance

  • If the vehicle is in a condition to be driven, the policyholder should drive it to the nearest garage or dealer.
  • Once there, the customer needs to get the estimate of the repair and attach the registration certificate copy to the filled-up claim form.
  • A copy of the driving license of the individual driving the vehicle during the time of accident should also be attached to the claim form.
  • Cashless claim facility can be availed by the policyholder if the garage falls within the network of HDFC ERGO.
  • The policyholder, however, has to bear the expenses for the repairs that are unrelated to the accident, deductible, and depreciation. The rest of the expenses will be taken care of by HDFC ERGO.
  • In cases where the garage is out of the network of HDFC ERGO, the policyholder can pay for the expenses from his/her pocket and later get it reimbursed.

Documents required to make claims for accidental damage to insured vehicle

  • Claim form duly filled and signed
  • Registration Certificate
  • Satisfaction voucher
  • Original copies of repair estimate, policy copy, and repair invoice
  • Driving license of the person driving during the accident
  • For cashless claims, original repair invoice needs to be provided
  • For non-cashless claims, payment receipt should be provided
  • For amounts over Rs.1 lakh, a copy of the PAN card, residence proof, and 2 passport size photographs of the vehicle owner
  • For cases of total loss, original NOC (No Objection Certificate) and Form 35 should be provided
  • For third-party injuries/death/damage to property, a copy of Panchnama or FIR is required

The same set of documents are required to make claims in case of commercial vehicles in addition to route permit, load challan, spot survey, and fitness certificate.

Documents required to make claims for loss due to theft

  • Claim form duly filled and signed (post loss settlement)
  • Original copy of the policy
  • Registration Certificate (original)
  • FIR copy lodged at the nearest police station
  • No trace report which will be a confirmation that the vehicle is untraceable
  • Original keys and a copy of the vehicle invoice
  • In the case of hypothecation, original of the NOC issued by the financer
  • The theft of the vehicle should be reported to the RTO
  • RTO transfer papers duly signed (form 26, 28, 29, 30, and 35)
  • Extract of the RC bearing the stolen remark from the concerned RTO
  • Subrogation cum indemnity deed on a judicial stamp paper
  • For amounts over Rs.1 lakh, a copy of the PAN card, residence proof and 2 passport size photographs of the vehicle owner need to be submitted.

How to renew the motor insurance policy by HDFC ERGO

The renewal of the HDFC ERGO motor insurance policy can be done in any one of the following ways:

  • Visiting the official website of HDFC ERGO at www.hdfcergo.com.
  • Sending the SMS “RENEW “ to 9999700700
  • Walk in to the nearest branch of HDFC ERGO
  • Through an insurance agent
  • Call the toll-free number at 1800 2 700 700
  • Sending the renewal notice copy along with the premium cheque to the corporate office or branch office of HDFC ERGO.
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HDFC Ergo Auto Insurance Reviews

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  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I found that HDFC Ergo is giving me a competitive rates and at the time of taking it in a urgent it was best. I have paid the premium amount of Rs. 11000 and its a zero depreciation policy. They are providing the coverage amount of Rs. 3 lakhs. After i browsed about HDFC Ergo, the agent came to my place and explained me about the benefits so i have renewed the policy from the agent sent by the company.
    Was this review helpful? 0
    , pune
    Reviewed on Oct 29, 2019
  • HDFC Ergo
    HDFC Ergo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    HDFC ERGO given me a third party insurance and for one time, they have charged me only 6K. The policy validity is 4 years. Its a zero dep policy. Its good but I don't have claim experience. I have received the insurance paper through post. Overall good.
    Was this review helpful? 0
    , pune
    Reviewed on Oct 08, 2019
  • HDFC Ergo Car Insurance
    "Good Protection "
    0.5 5.0/5 "Blown Away!"
    Currently I have car insurance with HDFC Ergo, I paid the premium around Rs. 10,000 for one year plan, it gives bumper to bumper protection for my 2015 maruthi wagon R car, they are providing good IDV value based on manufacturing year. The renewal process was happened easily through the dealer.
    Was this review helpful? 0
    , panipat
    Reviewed on Sep 13, 2019
  • HDFC Ergo Car Insurance
    "Good Claim Process"
    0.5 5.0/5 "Blown Away!"
    I do have car insurance from HDFC Ergo, I believe the last year premium was Rs. 27,000 for per annum, its a comprehensive plan which has the personal accident cover as well, they do have road side assistance, 24 hours service, break down service. When my car met with the accident I got the cash garages, I left the car in Honda service center within week time I got my car back.
    Was this review helpful? 0
    , lucknow
    Reviewed on Sep 07, 2019
  • HDFC Ergo Car Insurance
    "Better Service"
    0.5 5.0/5 "Blown Away!"
    My car dealer has provided me a car insurance from HDFC Ergo. Its a zero depreciation policy and i'm not sure about the bumper to bumper facility. I have no idea about the road side assistance and no claim bonus. This is a new policy which covers for 3 years. IDV value is sufficient for me.
    Was this review helpful? 0
    , kolkata
    Reviewed on Sep 01, 2019
  • HDFC Ergo Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I got a car policy with HDFC ERGO from the dealer.I have purchased i20 car and they have charged me around 40K for 3 years policy. It works as a first party insurance for the first year and remaining years as third party insurance. The insurance paper sent through the postal.
    Was this review helpful? 1
    , bangalore
    Reviewed on Aug 29, 2019
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I had a loan from HDFC company hence since 4 years, i have been renewing the policy from HDFC Ergo. I had a claim experience and it is excellent. They have processed the claim as soon as possible and it was a cashless claim facility which covers for 100%. I have been paying the premium amount of Rs. 12000 and its a zero depreciation policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Aug 27, 2019
  • HDFC Ergo Car Insurance
    "Quick claim process"
    0.5 5.0/5 "Blown Away!"
    I faced a claim with Hdfc Ergo car insurance, when I faced minor accident the back side of the vehicle got damaged, at the point of time HDFC Ergo was helpful because I got the cash less garages within three days they sort out the issue as well. I paid Rs. 7500 for one plan its for alto 800 car.
    Was this review helpful? 1
    , chennai
    Reviewed on Aug 23, 2019
  • HDFC Ergo Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    I gone with HDFC Ergo, at the time of policy purchase I got the offer when I compared to other it was nominal as others. I paid the amount of Rs. 15,000 per annum, its gives zero depreciation for my shift dezire 2018, the customer support is good. They give 24 hours of service, road side assistance, cash less garages.
    Was this review helpful? 0
    , bangalore
    Reviewed on Aug 11, 2019
  • HDFC Ergo Car Insurance
    "Smart Protection for my car"
    0.5 4.0/5 "Great!"
    For my 2016 model car the policy premium was reasonable with HDFC Ergo, I paid Rs. 12,000 per year, now it changing for five year I am not sure about the cost. I took comprehensive plan for my car even they are providing 24 hours service for any claim.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 31, 2019
  • HDFC Ergo Car Insurance
    "Whichever policy, Go for Zero dept"
    0.5 4.0/5 "Great!"
    My car insurance policy was with HDFC ergo because it was recommended by my dealer. I had claim experience and it was cashless and good. I did not pay anything from my pocket within 3 days, they have processed the claim and handed over my vehicle. It was a zero depreciation policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • HDFC Ergo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where I have taken the car insurance policy for life time policy, the premium amount is nominal I use to yearly basis. I use to do payment through an online. Their service is good. They used to process the claim as soon as possible and they will take care of the claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • HDFC Ergo Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where i am using the car insurance policy since from last 6 months also the premium paid was nominal added on that the IDV value is nominal with the policy. The policy coverage is for bumper to bumper with the policy.
    Was this review helpful? 0
    , jamnagar
    Reviewed on Jul 05, 2019
  • HDFC Ergo Car Insurance
    "Good claim experience"
    0.5 5.0/5 "Blown Away!"
    They do have unlimited claim and the premium is not much higher. They have a facility of paying the premium on installment and the last installment should be paid by last months. Their customer care people very polite. I do have a claim experience and its good.
    Was this review helpful? 0
    , faridabad
    Reviewed on Jun 29, 2019
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have chosen HDFC ergo for my car insurance because they have given me a multiple claim policy. I can do a claim for multiple with 100% claim. Its a zero depreciation policy. I paid the premium amount of Rs. 13000. I got the IDV value of 80%. They used to process the claim very fast and they will take care of the claim with garage people.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 24, 2019
  • HDFC Ergo Car Insurance
    "Good claim experience"
    0.5 4.0/5 "Great!"
    I faced a claim with HDFC ERGO, when my car glass got damaged I got the cashless garages within 18 days they have rectified the issue. I paid the premium of Rs. 11,900 for one year. I availed zero dep its covers all plastic, glass material. Even the insurance company got tied up with garages.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jun 11, 2019
  • HDFC Ergo Car Insurance
    "Good claim experience"
    0.5 4.0/5 "Great!"
    I claimed with HDFC Ergo because there was some scratches on my swift dezire car, due the parking area. On that time I just paid Rs. 1000 registration fee remaining amount around Rs. 28,000 was claimed from my car policy . However I paid the premium of Rs.9000 for zero depreciation plan.
    Was this review helpful? 1
    , delhi
    Reviewed on Jun 08, 2019
  • HDFC Ergo Car Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    I will just forget to renew the car insurance policy from HDFC ergo hence they will call and give the reminders they will fix an appointment and come to my home to collect the premium through cheque. Because the car insurance covers most of the parts hence i have chosen. This policy covers for Glass and plastic as well since its a zero depreciation policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 28, 2019
  • HDFC Ergo Car Insurance
    "Good Protection"
    0.5 4.0/5 "Great!"
    I paid around 14,000 to HDFC Ergo, to protect my Maruthi swift car. My car has comprehensive plan however it was manufactured in before three years, they gave me best insured value and they got tied up garages and work shops and with road side assistance and 24 hours service.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 28, 2019
  • HDFC Ergo Car Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    Its been 4 years with HDFC ERGO from the beginning. The premium is reasonable and the policy duration is 12 months. I used to renew through online and the process was very simple. I have gone for claims and it very much easier. I have selected a first party insurance. I am giving my car to Maruti authorized center and very easy for claim.
    Was this review helpful? 0
    , mumbai
    Reviewed on May 28, 2019
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