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HDFC ERGO car insurance, offered by HDFC ERGO General Insurance Company Limited, is a joint venture of HDFC Limited and ERGO International AG. HDFC ERGO offers a wide range of retail products such as car insurance, travel insurance, health insurance, bike insurance, home insurance and personal accident.
HDFC ERGO car insurance offers three types of car insurance policies such as standalone own-damage car insurance policy, third-party car insurance policy and comprehensive car insurance policy. Except third-party car insurance policy, the other two policies come with numerous add-on covers. These policies protect your car by covering damage expenses, towing expenses, etc. On the whole, HDFC ERGO car insurance policy offers complete protection to your car.
What are the benefits of HDFC ERGO Car Insurance?
Some of the benefits offered by HDFC ERGO car insurance policy are,
- It has the facility to purchase car insurance plans in online.
- It offers car insurance plans at lower premium rate starting from Rs. 2072.
- It has a wide network of more than 6800 cashless garages.
- It offers 24 x 7 emergency assistance and roadside assistance to your car.
- It offers the benefit of zero depreciation cover.
- It offers protection to your car's gear box and engine.
- It offers wide range of add-on covers.
- It has convenient payment options.
Why you need to choose HDFC ERGO Car Insurance?
Here are the reasons why you should buy car insurance policy from HDFC ERGO.
- It is the most trusted company with more than 1.3 crore happy customers.
- This company has received awards such as IAAA and ICRA ratings for its credibility, trustworthiness and highest claim paying ability.
- It offers up to 70% discount on your car insurance premiums.
- It offers unlimited claims on your car insurance policy.
- It provides overnight repair services with which your car will be picked, repaired and delivered by morning at your doorstep.
- It offers seamless and easy claims. Claim support is available on all days.
- You will get the policy instantly within 5 minutes.
- It offers e-policy instantly with its dedicated customer service team.
What are the add-on features available for HDFC ERGO Car Insurance?
Some of the important add-on features available for HDFC ERGO car insurance policy are,
Zero Depreciation Cover:
Upon claiming, your insurer will pay the claim amount after deducting the depreciation amount. With zero depreciation cover, you will get the entire amount without any deductions.
No Claim Bonus Protection:
If you are claiming for damage caused due to flood, fire, external impact, etc. to the parked car or any damage to the windshield glass, this add-on cover will protect the No Claim Bonus you have earned so far and takes it to next level.
Emergency Assistance Cover:
HDFC ERGO car insurance policy offers 24 x 7 emergency assistance to fix technical and mechanical issues in your car. The emergency assistance cover includes minor repairs, tyre changes, lost key assistance, battery jump starts, duplicate key replacement, towing expense and fuel tank emptying.
Return to Invoice Cover:
In the case of theft or total damage of your car, your car insurance policy will pay your car's Insured Declared Value (IDV), which is equal to your vehicle's current price. With return to invoice cover, you will get the difference amount of invoice value and IDV. Make sure that you have filed an FIR and the car was not found within 90 days after the incident.
Key Replacement Cover:
If you have lost your insured car's key, this add-on cover will help you to get the replacement key instantly.
Cost of Consumable Items:
This add-on covers the entire consumables you have used in your car. This will pay for all non-reusable consumables such as bolts, nuts, etc.
Loss of Use - Downtime Protection:
If your car was on repair and you use other means of transport, this add-on cover will provide the cash allowance benefit incurred by you.
What are the types of HDFC ERGO Car Insurance?
HDFC ERGO offers four types of car insurance policies namely,
- 1-year comprehensive plan
- Standalone own damage
- Long term comprehensive car insurance
- Third-party liability
1-year comprehensive plan:
This plan offers full protection to your car against damages, personal accident and third-party liabilities for a period of one year.
Standalone own damage:
This plan offers financial protection to your car against natural events like earthquake, flood etc. and man-made disasters such as arson, riots etc.
Long-term comprehensive car insurance:
This plan offers full protection to your car against damages caused due to natural calamities, man-made events and third-party liabilities for up to three years.
Third-party Liability:
This car insurance plan covers all damages caused to the third-party by your car in the case of accident and it is a mandatory cover for your car.
What are the risks covered under HDFC ERGO Car Insurance?
HDFC ERGO car insurance covers the following risks.
- Accidents
- Fire and Explosion
- Theft
- Calamities
- Personal Accident
- Third-Party Liability
How to get a quick quote in HDFC ERGO Car Insurance?
To get instant quote in HDFC ERGO car insurance in online,
Step 1: Visit the official website of HDFC ERGO car insurance
Step 2: Enter your name, email id, mobile number and select your city and coverage type. Click the checkbox and tap 'Buy Online'.
Step 3: On the next page, enter your car's registration number and click 'View Quotes'
Step 4: Then select your car details by choosing your car's brand, model, variant and select the year, month and city of registration and then choose the insurance cover you want for your car.
Step 5: After providing all details, enter your name, mobile number and email id. Then click 'View Quote'
Step 6: On the next page, the insurance quote details will appear.
How to buy HDFC ERGO Car Insurance Policy in Online?
To buy HDFC ERGO car insurance policy in online, all you need to do is to follow the simple steps given below.
Step 1: Visit the official portal of HDFC ERGO car insurance https://www.hdfcergo.com/car-insurance
Step 2: In the home page, enter your car's registration number and click 'Buy Now'. If you don't know your car's registration number, click 'Continue without Vehicle Number/New Vehicle'
Step 3: Then select your car details by choosing your car's brand, model, variant and select the year, month and city of registration and then choose the insurance cover you want for your car.
Step 4: Once you have provided the details, enter your name, mobile number and email id. Then click 'View Quote'.
Step 5: The quote detail will show you the Insured Declared Value of your car and the premium rate. It will also suggest the useful add-on covers which you can purchase along with the plan.
Step 6: Once you have viewed the quote, click 'Buy Now' to purchase the cover.
Step 7: On the next page, enter your contact details, vehicle details and other details. Ensure whether all details provided are correct and click 'Get OTP'
Step 8: Enter the OTP sent to your registered mobile number and click 'Verify'.
Step 9: Get the plan instantly by making payment using credit card/debit card/internet banking.
How to renew HDFC ERGO Car Insurance Policy in Online?
To renew your existing HDFC ERGO car insurance policy in online, just follow the below mentioned procedures.
Step 1: Visit the official portal of HDFC ERGO car insurance https://www.hdfcergo.com/car-insurance
Step 2: In the home page, click 'Renew Existing HDFC ERGO Policy', next to buy now option.
Step 3: On the next page, enter your policy number/mobile number/email id and click 'Renew Now'.
Step 4: After providing your existing policy details, make payment to renew your expired policy.
How to raise claim in HDFC ERGO Car Insurance?
In order to claim your HDFC ERGO car insurance policy in online, you need to go through the following steps.
- In the case of property damage, theft, bodily injury and major damages, file an FIR at the nearest police station.
- If the damage is a major one, the accident should be informed before the spot removal of car so that insurers can arrange for spot inspection of damage.
- In the case of theft, death, injury, third-party damage, riot, strike, terrorist activity, etc. you need to inform it immediately to the police station.
Once you have completed these procedures, you need to register your claim in online. To register your claim,
- Visit the official portal of HDFC ERGO car insurance https://www.hdfcergo.com/car-insurance
- On the home page, click the 'Menu' button. Click 'Claim' and then click 'Customer claim intimation'. Then tap 'Car insurance'
- Click 'Register Claim' and fill all necessary details.
How to get cashless claim in HDFC ERGO Car Insurance?
To get cashless claim in HDFC ERGO car insurance,
- Locate the network garage in www.hdfcergo.com or call the toll-free number 022 6234 6234 for details.
- Tow or drive your car to the nearest network garage.
- The surveyor will survey and assess all damages or losses.
- Fill the claim form and attach all the necessary documents mentioned in the form.
- Each stage of claiming process will be intimated to you via SMS/Email.
- If your vehicle is ready, pay your claim share to the garage and leave. HDFC ERGO will settle the balance directly with the garage.
- Get the claims computation sheet with the whole break up for your records.
How to get reimbursement claim in HDFC ERGO Car Insurance?
To get reimbursement claim in HDFC ERGO car insurance,
- Register your claim in HDFC ERGO mobile app or toll-free number.
- The surveyor will survey and assess all damages or losses.
- Submit the duly filled and signed claim form along with necessary documents as mentioned in the claim form.
- Your claim will be processed upon submission of all documents.
- Each stage of claiming process will be intimated to you via SMS/Email.
- The claim amount will be settled via NEFT or cheque.
- Get the claims computation sheet with whole break up for your records.