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How to Find the Right Car Insurance Policy for You?

Car insurancehas a purpose and comes with many benefits for the car owner. And when you buy a car insurance with a trusted name like HDFC Ergo, it becomes affordable too!

Let us have a look at different car insurance plans by HDFC Ergo

Policy

This car insurance policy by HDFC ERGO is meant to provide all-round protection and security for all possible damages to your vehicle. In addition, it offers personal accident cover to the owner driver, who is the registered owner of the car and third party damage liabilities in terms of death, injury and third party property damagetoo. It is a great policy that ensures you a safe and confident ride every time you hit the road.

Features

  • Round the clock support for claim assistance
  • Quick approval
  • 6000+ authorized network across India for cashless claim service
  • No claim bonus for every claim free year
  • Instant buying online through the web and mobile app
  • Paperless documentation and instant policy

Inclusion

1. Damage caused to own vehicle due to

  • Accidents
  • Theft or burglary
  • Natural calamities like Flood, Storm, Earthquake etc
  • Transit
  • Fire, , self-ignition or lighting
  • Terrorism , malicious act

2. Personal Accident Cover

It provides personal accident cover to the owner driver in case of an accident. Coverage for occupants travelling in the car is optional and can be bought on payment of additional premium.

3. Third Party Legal Liability

It provides coverage for accidental death, injury, or any property damage tothe third party in case of an accident.

Exclusions

  1. Contractual liability claims
  2. Depreciation 
  3. General aging
  4. Mechanical or Electrical breakdown, failure 
  5. Damage by a person driving under the influence of Liquor / Alcohol / Drugs 
  6. Loss / Damage  due to War / Mutiny / Nuclear risks 
  7. Loss / Damage outside mentioned geographical boundaries
  8.  Damage caused by overloading or strain

Third Party Liability Only Insurance

 In addition to the fact that a third party insurance is mandated in India, this comes really handy to help you deal with a third party liability  medical expenses and property damage of the third party in case of an accident.

Features

  • Round the clock support for claim assistance
  • Instant buying online through the web and mobile app
  • Paperless documentation and instant policy

Inclusion

Party Legal Liability

It provides coverage for accidental death, permanent injury, or any property damage tothe third party in case of an accident.

Personal Accident Cover

It provides medical bills coverage for the injuries of the driver in case of an accident. Coverage of 1 lac is provided in case of accidental death of the driver/owner of the insured vehicle.

Exclusions

Commercial Vehicle Insurance

Commercial Vehicle Insurance at HDFC Ergo offers vehicle insurance package policies for a wide range of commercial vehicles, including goods carrying vehicles, passenger carrying vehicles, trailer, miscellaneous and special types of vehicles. It is a comprehensive insurance coverage policy with a little change in the terms and conditions of the policy coverage. To know more about commercial vehicle insurance policies at HDFC, click here

Conclusion

Depending upon your insurance needs, think of the plan you wish to take or alternatively, you can get in touch with one of the customer care executives at HDFC ERGO and they will help you find the best car insurance plan. Please make the car insurance renewal in time to ensure continued coverage.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before going ahead with the sales.

To know more buy and explore car insurance plans and its benefits click here


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