Our Car Insurance Plans

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Single Year Comprehensive Car Insurance
  • This Insurance wraps your car in a secured blanket of coverage. It offers cover for your car damages, third party liabilities, and personal accident for 1 year.
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Standalone Own Damage Cover - Private Car
  • Your search for the right only own damage cover for your car ends here with our standalone car insurance plan for covering losses incurred to your own car only
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Long Term Comprehensive Car Insurance
  • Secure your brand new car in a blanket of coverage. We offer long-term protection to your car. Be it your car's own damage, third party liabilities, and personal accident too.
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Third Party Liability Car Insurance
  • The third-party liability insurance offers cover for all the damages caused by your car to a third party in the event of an accident. It is a mandatory cover!

Car Insurance Comparision

  Comprehensive(Single year)Comprehensive(Long Term)  Third Party (Liability Only)
Accidental Damage   
Theft   
Damage due to fire   
Damage due to natural disaster   
Personal Accident cover   
Damage to a third-party vehicle   
Injury to a third-party person   
Zero DepreciationOptional Add-onOptional Add-on 
Emergency assistance coverOptional Add-onOptional Add-on 
No claim bonus protectionOptional Add-onOptional Add-on 
Return to invoiceOptional Add-onOptional Add-on 
Engine & Gear Box ProtectorOptional Add-onOptional Add-on 
Key Replacement coverOptional Add-onOptional Add-on 
Cost of Consumable ItemsOptional Add-onOptional Add-on 
Loss of Use - Downtime ProtectionOptional Add-onOptional Add-on 
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Take a quick look at our customer base, and you are sure to be amazed to see 1 Crore+ smiling faces! The multitude of awards received by us including the IAAA and ICRA ratings further speak about our trustworthiness, credibility and highest claim paying abilities!
Why HDFC ERGO?

Overnight Car Repair Services

The stars might refuse to shine, but we will never refuse to repair! We repair minor accidental damages from dusk to dawn without any hassle. You can simply get in touch with us; we will get your car picked at night, repair it and deliver it by morning at your door step .We offer these services in 13 cities at present!
Why HDFC ERGO?

Transparency at its best

Transparency holds the key to our transactions, and you can be assured of getting the seamless claim procedures. With 30 Minutes*** claim approval & online claim intimation via QR code we’ve been winning customer smiles everywhere.
Why HDFC ERGO?

All the support you need-24x7

Get hassle-free support every day, every week whenever and wherever you need! With our dedicated in-house claims team and customer support, we ensure every query is responded . Isn’t that great? To know someone has your back even in the middle of the night?
Why HDFC ERGO?

Go Paperless! Go Boundless!

Why stick to age-old time-consuming paper works when HDFC ERGO can get all your works done paperless? The online transactions make you boundless and free! Your time is valued at HDFC ERGO!
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Take a quick look at our customer base, and you are sure to be amazed to see 1 Crore+ smiling faces! The multitude of awards received by us including the IAAA and ICRA ratings further speak about our trustworthiness, credibility and highest claim paying abilities!

Overnight Car Repair Services

The stars might refuse to shine, but we will never refuse to repair! We repair minor accidental damages from dusk to dawn without any hassle. You can simply get in touch with us; we will get your car picked at night, repair it and deliver it by morning at your door step.We offer these services in 13 cities at present!

Transparency at its best

Transparency holds the key to our transactions, and you can be assured of getting the seamless claim procedures. With 30 Minutes*** claim approval & online claim intimation via QR code we’ve been winning customer smiles everywhere.

All the support you need- 24 x 7!

Get hassle-free support every day, every week whenever and wherever you need! With our dedicated in-house claims team and customer support, we ensure every query is responded .Isn’t that great? To know someone has your back even in the middle of the night?

Go Paperless! Go Boundless!

Why stick to age-old time-consuming paper works when HDFC ERGO can get all your works done paperless? The online transactions make you boundless and free! Your time is valued at HDFC ERGO!

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Frequently asked questions

Car insurance is a type of insurance policy required to provide protection to your vehicle against any damage which might result into a financial loss. In addition to it, any third party liability which has arisen due to use of your vehicle is covered under car insurance. As per the Motor Vehicle Act, it is mandatory to buy a liability only policy without which one cannot use the vehicle on road.
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.
All types of Vehicles% of Discount on Own Damage premium
No claim made or pending during the preceding full year of insurance20%
No claim made or pending during the preceding 2 consecutive years of insurance25%
No claim made or pending during the preceding 3 consecutive years of insurance35%
No claim made or pending during the preceding 4 consecutive years of insurance45%
No claim made or pending during the preceding 5 consecutive years of insurance50%
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.
AGE OF THE VEHICLE% OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months5%
Exceeding 6 months but not exceeding 1 year15%
Exceeding 1 year but not exceeding 2 years20%
Exceeding 2 years but not exceeding 3 years30%
Exceeding 3 years but not exceeding 4 years40%
Exceeding 4 years but not exceeding 5 years50%
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.
Awards & Recognition
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