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 care@hdfcergo.com
  • 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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HDFC ERGO Car Insurance Renewal 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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