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Car Insurance


Car insurance is a financial cover you give to your car to make sure in case of any accidental damage or theft incident you don’t have to pay out of your pocket to meet the repair expenses. Your car stays pampered always with a car insurance plan and your savings remain undisturbed; you can safeguard your finances for a better future than spending it on car repairs.

As per recently passed Motor Vehicles (Amendment) Act 2019, if you are found driving without a valid motor insurance, then you would be levied a fine of Rs 2,000 or a imprisonment of 3 months.

Reasons to buy HDFC ERGO Car Insurance

Save upto 70%** premium

Accidents are uncertain. Did your car get damaged due to an accident? Don’t panic! We cover it

6000+ Cashless Network Garages

Spread all over the country, HDFC ERGO car insurance let’s you make use of cashless facility for car repair to reduce your out of pocket expenses.

Claim approval within 30 minutes**

You can instantly download IPO app or click here to register claim. We will ensure your claim status is updated within 30** minutes.

Overnight Car Repair Services

This one of a kind service in the industry makes us stand apart. We repair minor accidental damages from dusk to dawn without any hassle.


Accidental Damage

Any damage caused to your car due to accidents, fire, natural calamities or riots remain covered.


Suddenly if you come to the parking lot to realise that your car has been stolen. Don’t worry we cover you against total losses due to accident or theft incidents.

Personal Accident

In case of injuries due to car accidents, we cover all your treatments and make sure you are healthy and lively above anything else.

Third Party Liability

In case your vehicle accidentally caused injuries or damages to the properties of a third person, we offer complete coverage to meet all your legal liabilities. This is a mandatory cover.



We do not cover depreciation in the value of the car.

Electrical & Mechanical Breakdown

Any electrical or mechanical breakdowns remain uncovered under our car insurance policy.

Illegal Driving

Your car insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol.


Zero Depreciation Cover

Get the Entire Amount With Zero Depreciation Cover!

Your car insurance policy will only pay you the claim amount after deducting the depreciation amount. Your policy wordings will contain the details of depreciation. So, what can you do to get the entire amount? There is a way out! The zero-depreciation cover! With zero depreciation, there are no depreciation cuts, and you get the entire amount in your hands !

How does it Work? If you car is damaged and the claim amount is Rs 15,000, out of which the car insurance company says that you may have to pay 7000 as depreciation amount excluding policy excess/deductible. If you buy this add on cover then, the insurance company will pay the entire assessed amount. However, policy excess/deductible needs to be paid by the customer, which is quite nominal.

No Claim Bonus Protection

No claim bonus is the reward in the form of discount on premium you get from your insurance company for not making any claim

In case of claim for damage caused due to external impact, flood, fire etc to a parked vehicle or damage to windshield glass, this add on cover not only protects your No Claim Bonus earned so far, but also takes it to next NCB slab .

How does it work? Consider a situation wherein your parked car gets damaged due to collision or any other calamity, No Claim bonus protection shall keep your NCB of 20% protected for the same year and take it smoothly to the next year slab of 25%. This cover can be availed upto 3 claims during the entire policy duration.

Emergency Assistance Cover

We’ve got you covered!

We are here to offer you round-the-clock assistance to deal with any technical or mechanical breakdown issues of your car! The emergency assistance cover in a car insurance plan includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!

Return to Invoice

Offers the differential amount between the IDV and the Invoice value of the vehicle

What could be more devastating than discovering one fine day that your car has been stolen or faced a total damage? Your policy will always pay you the IDV (Insured Declared Value) of your car. The IDV is equal to the current market price of the vehicle. But, with a return to invoice add-on, you get the difference between invoice value and IDV as well! You have to ensure that an FIR has been filed and the car was not recovered within 90 days after the incident .

Engine & Gear Box Protector

Protects your car engine damage when water enters the engine during rains or flood

Be it the downpour of rains or the rushing flood waves, your cars gearbox and the engine remains wrapped in the protective coverage of engine and gearbox protection cover! It pays for the replacement or repair of all the child parts or internal parts. Moreover, it further covers the labor costs, cost of compression tests, machine charges and engine cylinder re-boring.

Key Replacement cover

Lost/stolen keys? The key replacement cover helps you!

Did your keys get stolen or lost? This add-on will help you get the replacement keys as soon as possible!

Cost of Consumable Items

Here is a consumable items coverage that covers all the consumables used in your car! Yes! You need this right now! It pays for all the non reusable consumables such as nuts, bolts...

Emergency Assistance Cover

We’ve got you covered!

We are here to offer you round-the-clock assistance to deal with any technical or mechanical breakdown issues of your car! The emergency assistance cover in a car insurance plan includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!

Loss of Use - Downtime Protection

Paid the Cabs While Your Car Was On Repair? Downtime Protection Is Here! Provides a cash allowance benefit incurred by the customer for use of other means of transport for daily conveyance.


1.What is 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

2. What is a comprehensive insurance policy?

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.

3. What are the various types of car insurance policies?

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

4. What are the various long term policies available for car insurance?

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

5. Is third party liability a mandatory policy?

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.

6. What is Zero depreciation cover or bumper to bumper coverage?

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.

7. How does emergency assistance programme work?

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.

8. What is No Claim Bonus?

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.

All types of Vehicles % of Discount on Own Damage premium
No claim made or pending during the preceding full year of insurance 20%
No claim made or pending during the preceding 2 consecutive years of insurance 25%
No claim made or pending during the preceding 3 consecutive years of insurance 35%
No claim made or pending during the preceding 4 consecutive years of insurance 45%
No claim made or pending during the preceding 5 consecutive years of insurance 50%
9. What happens when I wish to renew my expired policy?

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.

10. What happens to my No Claim Bonus while renewing an expired policy?

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.

11. What is IDV? What are the factors deciding IDV?

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.

Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%
12. What are the benefits of buying car insurance online?

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

13. What will happen when you sell your car?

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.

14. How do I make changes in my policy details after receiving the policy documents?

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

15. How does used car insurance differs from new car insurance and what are the things to consider?

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.

16. What penalty i can face if drive without a valid car insurance today?

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.

17. Why is car insurance mandatory in India?

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.

18. What can be done to renew my car Insurance during Coronavirus Lockdown?

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

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.

19. What is the procedure to register a new claim?

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

20. How much time will it take to repair minor damages?

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.