Insurance is like a spare tyre. You may not require it, but not having one is not an option.

HDFC Ergo Auto Insurance

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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

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.  
  1.  

HDFC Ergo Auto Insurance 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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