Knowledge Centre

When Not To Claim Car Insurance

Published on April 27, 2020. EST READ TIME: 5 MIN

HDFC ERGO is fully committed to making the insurance process easy for motor vehicle owners, which is why it has a zero hassle and quick claims process. However, there are situations where it’s wiser not to claim than to claim and insurance experts step in to share their secrets.

Read on to know more about the car insurance claim process, when not to claim and also useful car insurance claim tips.

Benefits of not claiming frequently

Insurance consultants at HDFC ERGO advise insurers “not to claim” when the repairs are minor. If there are mere damages on the vehicle like the mirror has cracked or the headlight has broken or there is a simple paintjob, then these things can be resolved with minimum monetary expenses. If you have a ‘No Claim Bonus(NCB)’ on your policy, then by making a claim you will lose the NCB which means that you will not get discount on your next year Motor Insurance Policy Premium not only with current insurer but any Insurer in the Market.

Hence, if minor repair costs are way less than the NCB award, then abstaining from registering minor claims will be financially prudent.

Opt for Third Party Insurance

In case your vehicle was engaged in an accident and was damaged badly then opting for third party insurance is a good idea. If the accident was covered by the other driver then third party insurance is a fair idea. Your driver track record remains untarnished and the other driver’s insurance company pays the costs of the damage logically.

When to Claim

When you are filing for insurance claims, it’s fair to assess the quantum of loss, applied deductibles, future impact on NCB and condition of future premiums and only then is it advisable to proceed.

If you see that your claim is justified, the amount is substantial and there is no way that third party insurance can be used for covering the claim, then proceed for car insurance claim. Insurance claims with HDFC ERGO are simple, uncomplicated and can be filed online. You will need your insurance details, registration number, accident details and other particulars. An assessor will evaluate your claim and then you will receive your claim amount.

You can track the status of your claim anytime by the feature “Track your claim” available on our website. In fact there is an entire section on the website dedicated to claims, right from detailing the claims process to providing the form and then addressing queries.

Claims Process of HDFC ERGO

The HDFC ERGO car insurance plan offers all day all year support for all its insurers. There is a hassle free convenient experience in store for you and all you have to do is to call on the toll free number or drop a mail. There are no massive documentation requirements in order to buy insurance or to file a claim and this is why HDFC ERGO is given an AAA rating by the IRDA. This is one of the market’s best car insurance claim settlement ratios. We, at HDFC ERGO, advise you to think before you claim but when you do get around to claiming, it’s wrapped up pretty quick!

For more details on the claims process and knowing more about the seamless claims pathway of HDFC ERGO click on

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.

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