HDFC ERGO Car Insurance Renewal

In India, the Motor Vehicles Act, 1988, makes it compulsory to buy a third party car insurance policy. There are basically two types of car insurance policies – third party car insurance policy and comprehensive car insurance policy. The comprehensive car insurance policy provides extensive coverage to the owner. In third party car insurance policies, owners get coverage against any legal liability that is caused to a third party. HDFC ERGO motor insurance policy offers private car insurance with a host of features.

Benefits of HDFC ERGO car insurance

There are many benefits to buying an HDFC ERGO car insurance such as:
  • The policies can be bought and renewed online which makes for a quicker and hassle-free experience
  • There is 24x7 support offered for all of your car insurance policy doubts, questions, and requirements. All you need to do is call the toll-free number 1800 2700 700 or email the company at
  • Lightning fast approval of claims, within 24 hours of the vehicle reaching the garage
  • Claim settlement process that is transparent, fair, and fast
  • A wide network of cashless more than 5000 cashless garages spread all over India
  • For cars that are more than 5 years of age, a discount of 60% is offered

Benefits of renewing HDFC ERGO car insurance policy

The fact that vehicle insurance is mandatory need not be the only reason to renew your HDFC ERGO car insurance policy. Here are some other reasons to do so:
  • It provides coverage for the owner in case of any injuries or damage to the car
  • It provides coverage that protects against any legal liabilities in case of injuries to a third person or damage to their vehicle, which would otherwise be a huge financial cost to bear
  • If you renew your car insurance after a year of raising no claims, you get a discount on your premium on renewal
  • Since it is mandatory to have a car insurance policy, not renewing your policy could lead to legal trouble or fines, so the best way to avoid this is to renew your policy on time
The rising cost of vehicle repairs and spare parts means that the financial loss in terms of any damage or accident will be high if you don’t have an active car insurance policy. Along with this is the rising cost of healthcare in India, so that even minor injuries can be financially draining. Having a car insurance policy protects you from these financial losses.

Easy steps to renew your HDFC ERGO car insurance policy

Renewing your policy is very easy as the entire process can be completed online. Here are the steps:
  • Visit the website of HDFC ERGO and navigate to the page for ‘Car Insurance’ and under that go to ‘Instant Renewal’.
  • Enter your HDFC ERGO policy number in the box.
  • Search for add-on covers that will enhance the coverage that is provided to your car.
  • Select the add-on covers that you require.
  • Fill in the required details and the premium that you need to pay gets generated and displayed on the screen
  • Make the payment with online banking or credit card.
With an HDFC ERGO car insurance policy, you don’t have to worry about your vehicle inspection if your insurance has expired. HDFC ERGO provides self-inspection application forms where you can insert pictures and videos of your car and send it for inspection. This virtual inspection saves a great deal of time resulting in policy issuance within an hour of submission.

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GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

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