HDFC Ergo Car Insurance

Key Features of HDFC ERGO Motor Insurance:

1. More than 5,800 authorised list of garages across India for cashless claim service.
2. Simple to purchase without lengthy documentation. Can be purchase online instantly.
3. A complete suite of discounts for you to avail such as No claim bonus, discount for Automobile Association members, age and profession-based discounts.
4. An expert customer support team to address all your queries and concerns.
5. Covers a wide range of reasons that lead to loss or damage to the vehicle insured, including damages from accidents, thefts, fire damages, explosions, self-ignitions, lightning, riots, terrorism and other malicious acts, earthquakes, floods, landslides and rockslides, storms and other climatic conditions along with damages because of transit by road, rail, waterways, air or lift.
6. Liability to third parties - This policy also covers injury, death or damage caused to a third party via an accident that was caused by or involves your vehicle.
7. Personal Accident Cover - A compulsory accident cover, amounting to Rs.2 lakh, that covers death and permanent total disability caused by a vehicular accident, comes as a append to this car insurance policy. This policy also covers the named and unnamed passengers, along with the insured owner/driver, who might be seated per the recommended capacity of the vehicle, at the time of the unfortunate accident.
8. Overnight Car Repair Services – In order to help policyholders avoid having to drive around with minor damages, this car insurance policy allows policyholders to get repairs for minor accidental damages of up to 2 panels during any time of the day. By using this facility, you will not have to face the inconvenience that comes with having to leave your car at a garage for repairs. As on January 2019, this facility is available across 11 cities in the country.

Benefits of Applying for HDFC Ergo Motor Insurance Online:

For starters, purchasing or renewing your HDFC ERGO saves you the trouble of visiting a HDFC ERGO outlet, which would involve a definite expenditure of time and effort. By purchasing the policy online with your credit/debit card or using online banking, the highest measure of security as afforded to such online transactions will ensure the complete safety of your investment. Safe, fast and reliable, in one unbeatable package.

Additionally, enjoy the following benefits when you purchase the HDFC ERGO Motor Insurance online-

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-

1. HDFC ERGO Car Insurance Silver plan
2. HDFC ERGO Car Insurance Gold plan
3. HDFC ERGO Car Insurance Platinum plan
4. HDFC ERGO Car Insurance Titanium plan

HDFC Ergo Car Insurance Add-Ons:

Zero Depreciation Cover- Subscribing to this add-on cover allows you to avail the full claim amount without losing any money over depreciation, the reduction in the value of the vehicle due to natural wear and tear that results from the vehicle’s normal usage over a period. However, it should be noted that this cover excludes tyre and battery costs.

Loss of Use/Down Time Protection- This add-on cover takes care of your travel expenditures if the vehicle is parked in the garage for an extended duration of time or is lost and needs replacing. However, the following limitations will apply-

1. The daily allowance will equal Rs.500 per day for private cars.
2. This add-on cover will be applicable for a maximum of 5 days for partial loss of vehicle and 15 days for total loss or theft claims. Furthermore, this coverage applies in terms of 3 times for partial loss and only once in case of total loss.

Engine and Gearbox Protection Cover- This cover applies to the damage incurred by the engine or gearbox of the insured vehicle due to water uptake, lubricating oil leakages, or other issues arising from accidents, heavy rains, or floods. This add-on cover is applicable for the following:

1. Labour costs

1. Repair and replacement of internal parts

1. Repair and replacement of child part

1. Compression tests, engine cylinder re-boring, and other machining charges

No Claim Bonus (NCB) Protection- Usually, raising a claim on an insured vehicle nullifies the option to retain a No Claim Bonus (NCB). However, this add-on cover ensures that the NCB option still applies at the time of the policy renewal even after you make a claim. However, it should be noted that the insured can avail up to a maximum of 3 claims per policy. This option offers coverage for:

1. Damages only to the windshield glass by any external object

1. Loss incurred to a parked car due to earthquake, flood, and any act of god perils

1. Loss incurred to a parked car due to accidental external means

Cost of Consumables- This add-on cover takes care of the expenses incurred in the procurement of consumable products that are used in a vehicle, and are meant to replace said products in the event of any damage to the concerned vehicle. These consumable items include washers, grease, screw, nut, bolt, engine and other oils, coolants, AC gas, bearings, lubricants, sealants, clips, battery water, gaskets, filters, etc.

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:

• In case of theft, return to invoice doesn’t apply if the vehicle is recovered within 90 days.
• 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.

1. Claims that arise out of contractual liability
2. Any kind of liability that is caused directly or indirectly by nuclear weapons material
3. 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:

1. General and natural ageing that results in wear and tear.
2. 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.
3. Mechanical or electrical breakdown.
4. Damage to vehicle by war, mutiny or nuclear attacks.
5. 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.
6. Depreciation in line with the market scenarios and other external conditions.
7. Loss of the vehicle or damage incurred while outside India.
8. Damages that are caused due to overloading or straining of the insured vehicle.
9. 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. Call HDFC ERGO’s toll free number to register your claim. This applies to claims raised in relation to accidents or permanent loss due to theft.
2. After the intimation, you will be provided a unique claim number that will help with all your future correspondence with HDFC ERGO Car Insurance.
3. Ask the customer support’s help to locate the nearest cashless garage in case of accidents. Also, you can request for towing or ambulance services if required. Please note that if you have been involved in an accident with another vehicle, ensure that you note down the car number of the other party as well as the names and contact details of witnesses, if any.
4. If there is property damage, injury, theft, major damages and/or third-party injury, damage or death, report the incident to the nearest police station and file an FIR.
5. Back at the network garage, get a repair estimate, complete the claim document and attach any other necessary documents as required.
6. If the garage chosen by you isn’t listed under the HDFC ERGO network garages, then ensure that only genuine, manufacturer-approved parts as sourced from authorised retailers are used in the ensuing repairs.
7. Post the repairs, and after the same has been completed to your full satisfaction, pay ONLY for all the non-accident related repairs, depreciation, additional fittings and other small deductibles. The bulk of the payment will be settled by HDFC ERGO Motor Insurance 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.