HDFC Ergo Car Insurance

Benefits of Applying for HDFC Ergo Motor Insurance Online:

Buying or renewing your HDFC ERGO Motor Insurance online is safe, fast, and hassle-free — no branch visits needed.

While there are several perks of opting to purchase or renew your HDFC ERGO Motor Insurance online as mentioned in the table above, customers can also benefit from testing out an emergent and successful technology, while parting ways from the common rat race!

HDFC Ergo Car Insurance Plans:

The HDFC ERGO Car Insurance policy is a robust, comprehensive, scalable and cost-conscious product that affords 100% protection for your car against accidents and theft, while also giving you 100% peace of mind. In order to enhance this protective experience, HDFC ERGO puts forth a number of add-on covers that provide additional protection against conditions that might not necessarily be covered in the main policy. The available add-ons are segregated into four types-

• HDFC ERGO Car Insurance Silver plan
• HDFC ERGO Car Insurance Gold plan
• HDFC ERGO Car Insurance Platinum plan
• HDFC ERGO Car Insurance Titanium plan

HDFC Ergo Car Insurance Add-Ons:

1. Zero Depreciation Cover Get the full claim amount without any deduction for depreciation.

• Covers natural wear and tear losses
•  Excludes tyre and battery costs

2. Loss of Use / Down Time Protection Covers your travel expenses when your car is in the garage or lost.

• Rs. 500 per day allowance for private cars
• Up to 5 days for partial loss
• Up to 15 days for total loss or theft

3. Engine & Gearbox Protection Covers engine or gearbox damage due to floods, heavy rains, or accidents.

• Labour costs
• Repair & replacement of internal parts
• Compression tests & machining charges

4. No Claim Bonus (NCB) Protection Protects your NCB even after making a claim at renewal.

• Up to 3 claims per policy allowed
• Covers windshield damage, parked car flood/earthquake loss & accidental damage

5. Cost of Consumables Covers expenses for consumable items used during repairs such as:

• Engine oil, coolants, nuts, bolts, filters, AC gas, lubricants, and more

Special Add-Ons Available Under HDFC ERGO Car Insurance:

Endorsement Wordings

Return to Invoice- This HDFC ERGO Car Insurance add-on cover pays the difference between the Insured’s Declared Value (IDV) and the actual purchase value (as listed on the invoice) of the vehicle, in the case of a total loss or constructive total loss wherein liability is greater than 75% of the vehicle’s IDV. The exclusions to this rule are as follows:

1. In case of theft, return to invoice doesn’t apply if the vehicle is recovered within 90 days.
2. If the final investigation report with regards to the theft claim isn’t issued by the police authorities, as required, an insured individual will not be able to make a claim under this add-on.

Emergency Assistance Add-On- The scope of this HDFC ERGO Car Insurance Add-On cover plan is to increase the protection accorded to the customers and decrease the financial liabilities faced by them in cases of accidents or permanent loss of the vehicle. This cover takes care of the following conditions-

Emergency Assistance Wider Cover or Key Replacement Cover- As part of the HDFC ERGO Motor Insurance, this convenient add-on cover assists you in cases where the keys of the insured vehicle are lost, misplaced or stolen. In such cases, this cover will arrange for an alternate set of keys, provided the requisite police report is submitted.  

HDFC ERGO Third-Party Motor Insurance

Third-party liability insurance, also referred to as ‘act only’ cover, protects the vehicle owner against the third-party liabilities that may arise due to an unforeseen accident. A statutory requirement under the Motor Vehicles Act, third-party liability insurance covers the damages suffered by any person who is not involved in the insurance contract.

HDFC ERGO motor insurance plan also offers you a comprehensive liability-only insurance scheme with features like dedicated support, hassle-free claim procedures and instant online policy option.

Things covered by HDFC ERGO Third-Party Motor Insurance

A Liability Motor Insurance Policy as offered by HDFC ERGO covers the following clauses.

Things not covered by HDFC ERGO Third-Party Motor Insurance:

The following incidents and clauses are excluded by HDFC ERGO Motor Insurance for a third-party liability.

• Claims that arise out of contractual liability
• Any kind of liability that is caused directly or indirectly by nuclear weapons material
• Death arising out of and during the employment period of a person under the employment of the insured beneficiary or any other person who is indemnified under this policy, or any bodily injury sustained by a third-party arising out of and in the course of employment.

Exclusions or Incidents that aren’t covered by the Policy:

• General and natural ageing that results in wear and tear.
• Damage caused to vehicle when the driver wasn’t carrying a driver’s license, and/or driving under the influence of alcohol or other mood/mind stimulating substances.
• Mechanical or electrical breakdown.
• Damage to vehicle by war, mutiny or nuclear attacks.
• Any damage to the tyres and tubes of the vehicle isn’t covered by the policy. However, if the said damage occurs as part of a bigger accident that also resulted in damage to the other part of the vehicle, then the liability of the company shall be limited to 50% of the cost of replacement.
• Depreciation in line with the market scenarios and other external conditions.
• Loss of the vehicle or damage incurred while outside India.
• Damages that are caused due to overloading or straining of the insured vehicle.
• Damage caused by the vibration or weight of the insured vehicle and/or the amount of load carried by it.

How to Claim HDFC Ergo Car Insurance?

The procedures involved when raising a claim on your HDFC ERGO Motor Insurance are as follows-

1. Register Your Claim Call HDFC ERGO's toll-free number to report the incident — whether it's an accident or theft.

2. Get Your Claim Number You'll receive a unique claim number for all future correspondence with HDFC ERGO.

3. Get Assistance

• Request the nearest cashless garage location
• Ask for towing or ambulance services if needed
• If another vehicle is involved, note down its number and any witness details

4. File an FIR (if needed) Report to the nearest police station for theft, major damage, property damage, or third-party injury/death.

5. At the Garage

• Get a repair estimate
• Fill out the claim form and submit required documents

6. Using a Non-Network Garage? Ensure only genuine, manufacturer-approved parts from authorised retailers are used.

7. Final Settlement After repairs are done to your satisfaction, you pay only for:

• Non-accident related repairs

• Depreciation

• Additional fittings

• Small deductibles

How to File an HDFC ERGO Car Insurance Claim: Step-by-Step Process

Step 1: Call & Register Call HDFC ERGO's toll-free number and report your accident or theft to register your claim and get a unique claim number.
Step 2:  Note the other vehicle's number, collect witness details, and request towing or ambulance if needed.

Step 3: File an FIR Visit the nearest police station for theft, major damage, or third-party injury or death.Step 4: Go to a Garage Find the nearest cashless network garage, get a repair estimate, and submit your claim form with documents.Step 5: Repair Your Car Ensure only genuine manufacturer-approved parts are used and repairs are completed to your satisfaction. 

Step 6: Final Settlement Pay only for depreciation, small deductibles, and extra fittings. HDFC ERGO settles the rest directly with the garage.  

HDFC ERGO Customer Care Service:

The customer care numbers of HDFC ERGO General Insurance Company Ltd. for motor insurance are 022 6234 6234 or 0120 6234 6234. You can contact the customer service team at this number or send an email at care@hdfcergo.com. Additionally, you can request for a call back from the insurer by filling up an online form and submitting it.

You can also walk in to the branch office of the insurance company and request for clarifications or resolutions to your issues. You will be able to find the nearest office by using the branch locator facility on the insurer’s website. You will have to select the state and city and search for the office closest to you. The website also enables you to search for network garages that are affiliated to the insurer where you can receive cashless claim facility. You will have to select the state, city, and make of the car to see the list of garages.