Car Insurance

Car Insurance provides insurance coverage for your car from unforeseen risks which may cause damage to your car or may subject you to claims from third party in event of accident. In India it is mandatory under law for all car drivers to have a valid car insurance at all times. As per the Supreme Court Order, all cars bought after September 1, 2018 should have a long term third liability coverage with a tenure of 3 years. Although the purchasing new car can be exciting, one should also consider potential accidents that can cause damage to your vehicle. Car insurance policy can come in handy as it will significantly lower the costs incurred on repairing the vehicle or replacing its parts

A comprehensive insurance policy provides protection to your vehicle due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in terms of death, bodily injury and third party property damage.

There are two type of car insurance policies - comprehensive and liability only policy.

As per the Supreme Court directive, with effect from 1st Sept, 2018, every brand new car owner has to buy a long term policy. You may choose from the following long term policies for your prized possession:

1. Liability only policy for 3 years policy duration
2. Package policy for 3 years policy duration
3. Bundled policy with 3 years liability cover and 1 year cover for own damage

Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured with a Liability Only policy at the very least.

Zero depreciation is an add-on cover and has to be purchased by paying additional premium. It offers complete coverage to your vehicle without factoring into depreciation. For instance, if your vehicle is badly damaged, then you don’t need to pay for any depreciation amount and will be eligible for full claim amount subject to terms and conditions of the policy. Any excess or deductible as per the policy document has to be borne by you.

Emergency assistance is an add-on cover and has to be purchased by paying additional premium. It has multiple benefits like assistance in case of breakdown, tyre replacement, towing, fuel replacement etc which can be availed during the policy duration. Customers need to call up at the customer care number mentioned on the policy document for availing these benefits.

Quite simply, it's a discount in the Own Damage premium payable when renewing your policy after a claim-free year. It is an incentive for driving carefully and avoiding accidents.

You can easily renew your expired policy online. You need to download HDFC ERGO Self Inspection application and upload the documents, once the documents are approved by HDFC ERGO, a payment link would be sent and you may make the payment to renew the policy. Once the payment is made, you will receive the policy copy.

No Claim Bonus is valid upto 90 days from the previous policy expiry date. If the policy is not renewed within 90 days, No Claim Bonus will become 0% and no benefit shall be passed on to the renewed policy.

The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ and it will be fixed at the commencement of each policy period for each insured vehicle.

The IDV of the vehicle is to be fixed on the basis of the manufacturer’s listed selling price of the brand and the model of the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation (as per schedule specified below). The IDV of the side car(s) and / or accessories, if any, fitted to the vehicle but not included in the manufacturer’s listed selling price of the vehicle is also likewise to be fixed.

No paperwork and physical documentation are required and you will get your policy instantly.

Existing insurance policy can be transferred in the name of buyer by passing an endorsement. Supporting documents like sale deed/form 29/30/NOC of seller/NCB recovery amount shall be required to pass an endorsement under the existing policy. Or You may cancel the existing policy. Supporting documents like sale deed/ form 29/30 shall be required to cancel the policy.

You can change your policy details online through our website hdfcergo.com. Visit the 'HELP' section on the website and place a request. To place request or explore services, click here

Since Car insurance premium depends on a number of factors, it is difficult to predict whether premium for the new car would be more or one for the old car. If your new car is costly and you live in either a theft prone area or one that is affected by floods frequently then getting a comprehensive insurance plan for new car would be beneficial. If you have not raised a claim then you can get a discount on older car due to the accumulated No claim Bonus. In case of Add-On one must first have a comprehensive insurance plan, a roadside assistance plan works better for old car as they are susceptible for breakdown whereas in case of new car one can opt for Zero Depreciation cover. Repairing of the new cars is costlier in comparison to old cars therefore component of premium concerning it would be less for older cars.

As per recently passed Motor Vehicles (Amendment) Act 2019, if you are found driving withou a valid motor insurance, then you would be levied a fine of Rs 2,000 or a imprisonment of 3 months on first offence, in event of you offending a second time you could face a fine upto 4000 or could face jail upto 3 months. Also you would haver to pay damages to third party from your own pocket. You would also have to bear any damage to your car as you are not having a valid comprehensive cover.

As per recently passed Motor Vehicles (Amendment) Act 2019 and the Motor Vehicles Act 1988,it is mandatory that all motorists need to have a valid motor insurance at all times.

Whole country is under complete lockdown, we understand the significance of the move and stand with the nation in difficult times, for the two wheeler insurance renewal one can always follow the preffered mode of buying or renewing a two wheeler insurance policy which is online purchase of insurance policies. The steps to be followed would include

Visit the webiste https://www.hdfcergo.com/car-insurance

Enter the registration number of your vehicle> Select the vehicle model> Select the vehicle variant> Select the year of registration> Select city/RTO choose the plan type> Choose the previous policy status Select the No claim bonus Choose Add-Onc Select your mode of payment By insuring your vehicle, you can be at peace that your car's insurance coverage is continued.

You may register a claim either on HDFC ERGO’s website or through its call centre or HDFC ERGO’s mobile app

With Overnight Repair Facility, repair of minor damages shall be completed overnight. Facility is available only for private cars and taxis. Process for overnight repair facility is mentioned below

• Claim needs to be intimated through the call center or HDFC ERGO mobile application (IPO).
• Our team will reach out to the customer and request for vehicle damage photos.
• Damages limited to 3 panels will be accepted under this service.
• Vehicle may not be repaired immediately post intimation as the workshop appointment and pick-up is subject to vehicle part and slot availability.
• Customer saves on the time they have to spend on driving to and back from the garage.
• Currently this service is available in 13 selected cities which are Delhi, Mumbai, Pune, Nagpur, Surat, Vadodara, Ahmedabad, Gurgaon, Jaipur, Hyderabad, Chennai, Kolkata, and Bangalore.