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Renew your pact of securing your car

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Home / Motor Insurance / Car Insurance / Car Insurance Renew

Car insurance

renewal made easy!

Remember the day you got behind the wheel for the first time? That overwhelming feeling and then the promise to secure your car come what may, well it’s time to renew that promise. Car insurance renewal may feel like a chore with paper work hassles and time consuming procedures, however we are delighted to inform you that the reality is starkly different. Car insurance renewal online with HDFC ERGO is easy, quick and done in a few clicks. So renew your pact of security with your car without further delay!

6 Reasons why HDFC ERGO’s car insurance should be your first choice

Zero Documentation & Instant Policy

Dump those heaps of paperwork for an easy and instant way of securing your car with zilch documentation.

7100+ Network of Cashless Garages^**

Get top-of-the-order services and quick cashless settlement in your preferred garages in almost any corner of the country.

Immediate Claim Settlement for Minor Damages~

Nobody likes waiting, we feel you! We hate to keep you waiting if it is a minor claim, now get it settled immediately

Personal accident cover of Rs. 15 Lacs

Safety comes foremost whether personal or financial and our personal accident cover ensures just that.

24x7 Roadside Assistance^{^^}

Car broke down on a deserted road with no help in sight? Ditch that helpless feeling because our 24x7 roadside comes to your rescue.

Overnight Repair Service¯

Planned a road trip but discovered a snag in the car the night before? With our overnight repair service your car is as good as new by dawn.

Car insurance renewal plans to choose from

Single Year Comprehensive >

If all-round protection and minimal renewal hassle is what you seek, avail this plan. From accidents, thefts and fires to natural calamities and third party liability, it will cover all possible expenses.

Suitable for car lovers seeking all rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE

Third Party Cover >

It is mandatory as per the Motor Vehicles Act 1988 and covers personal accidents as well as any damage or injury done to a third party vehicle or person.

Suitable for those who use the car infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

EXPLORE MORE GET A FREE QUOTE NOW!

Stand alone own damage cover >

In case you already have third party cover, this cover is the missing piece in your car insurance puzzle. It offers greater protection, as it covers accidents, natural calamities, fires, and theft.

Suitable for those who already have a valid third party cover, this plan covers:

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

EXPLORE MORE GET A FREE QUOTE NOW!

Car insurance lapsed? Find out what to do next!

Do you have the memory of a goldfish? Often in the hustle bustle of our daily routine we tend to miss out on important things like car insurance renewals leading to a lapse and a panic attack for sure! But, HDFC ERGO’s customer support and their timely renewal reminders are here to save the day and ensure your car remains protected at all times. If despite this you missed out renewing your car insurance, don’t fret! Here is a simple 4-step process to buy a new car insurance cover:

STEP 1

Enter your registration number

STEP 2

Select your policy cover* (In case we are not able to auto fetch
your vehicle detailswe will need just a few details of your vehicle
- Make, model, variant, registration year and registration city)

STEP 3

Provide your previous policy and
No Claim Bonus (NCB) status

STEP 4

Get your car insurance quote instantly!

Accidents

Accidents are heartbreaking. But believe us, while you deal with damages caused, we’ve got you covered at the financial front.

Fire & Explosion

Fire and explosion are words that can instil fear in the bravest of the lot, but if your car were to be victim of a fire or explosion, we cover the damages.

Theft

With the crime rate on the surge, car thefts are not so uncommon. While in such a scenario, we cannot bring back your car but we can cover the financial loss theft will entail.

Calamities

A natural calamity is known to cause mass damage, your car will surely not stand a chance! While you rebuild your life after a calamity, we cover the loss incurred on damage to your car.

Personal Accident

The future is unpredictable and no one can foresee an accident. But if such an unfortunate situation were to arise, you can focus on recovery while we cover your medical expenses.

Third Party Liability

If you injure another person or break or dent their vehicle, you are bound to be liable to pay. We’ve got you covered and will foot the bill for any damage caused to the third party!

Depreciation

Wear and tear is a fact for any material object. But we don’t cover any damages due to depreciation.

Electrical & Mechanical Breakdown

If your car breaks down due to some electrical or mechanical snag, well, it’s a technical fault. We won’t be able to cover you in this case.

Illegal Driving

High on alcohol or drugs? Driving without a valid license? Well, you shouldn’t be surprised because insurance will not cover you in case of any damages in such a situation.

3 reasons to renew your car insurance on time

Be road ready

As a car owner, it is imperative to know that a third party car insurance cover, at the very least, is mandatory in India as per the Motor Vehicles Act. Not having a valid car insurance policy is a punishable offence and could lead to hefty fines. Wouldn’t want to be in such a sticky situation right? Precisely why car insurance renewal on time is crucial to be road ready.

Don’t let go off benefits

Wondering what are we talking about? Each year, in absence of claims, for the period of your policy, you accumulate No Claim Bonus (NCB) entitling to discounts benefits on your premium. However, if your car insurance policy were to lapse, you could lose your NCB, and subsequently, the discount benefit. A simple 3-click renewal process could save you from such unwarranted losses.

Security against financial loss

Not having a valid car insurance policy can leave you vulnerable to risks such as theft, accidents, natural calamities and much more. The resultant damage or loss could lead to a financial loss to the tune of thousands or even more.

Add-on covers to fortify your car insurance

Zero Depreciation Cover

The value of a car is not constant; as the car gets used, its value goes plunging down. As a result, if and when, you file a claim you may not get the entire amount. The amount received will be minus the depreciation value. However, opting for the zero depreciation cover will enable you to get the entire amount without having to pay the balance from your own pocket!

No Claim Bonus Protection:

Made a claim that was unavoidable, and now worried about your NCB discount? Worry not! The No Claim Bonus Protection add-on cover protects your No Claim Bonus (NCB) accumulated so far, taking it to the next NCB slab earning you a significant discount on your premium.

Emergency Assistance Cover

We all have one dependable friend we can call for help at 3 am. This cover will be your round-the-clock friend and assistant. Be it refueling, tyre change, towing, arranging a mechanic, the Emergency Assistance cover will hold you in good stead and live to its promise of 24X7 assistance.

Return to Invoice

It may sound hard to believe but the Return to Invoice cover helps you to recover your entire financial loss if your car is completely damaged or has been stolen. Not just the declared insurance value but also the actual invoice value too, which includes the road tax and the registration fee.

Engine and Gearbox Protector

The engine and gearbox are parts vital for your car’s wellbeing just like our heart and lungs. Hence, it is pertinent to protect them with an add-on like Engine and GearBox Protector to ensure you do not end up paying a steep amount in case of damage.

Downtime Protection

Car in the garage after an accident but work beckons and commuting costs are worrying? Don’t let such a situation become a setback. The Downtime Protection add-on will provide you with a pre-decided amount that will cover the expenses you incur because your car isn’t with you.

4 factors to take into account while renewing car insurance

Car insurance due for renewal? While we understand the urgency we advise that you consider the below 4 factors before you take the plunge:

Do your research

Go on a research spree, compare and choose the car insurance cover that fits your requirements as well as your budget. Opt for a cover that gives you holistic coverage while being easy on your pocket. Also, give considerable thought to the add-on covers you choose and the function they will serve.

Set the right IDV

Setting the right IDV while you renew your car insurance is the key in determining your premium amount. It is important to strike a balance between a low IDV and a high IDV as it is the amount you will receive from your insurer in case of theft or total damage to your car.

Grab your No Claim Bonus

If you’ve had a claim free year before now is the time to collect your NCB benefits. Thus, check if you are entitled to NCB and get a significant discount on your car insurance premium while you renew your car insurance.

Opt for a voluntary deductible

Surging car insurance premium rates making you jittery? Well opting for a voluntary deductible while renewing your car insurance can help reduce the amount to an extent. To clarify further, voluntary deductible is a pre-decided amount you would pay from your pocket in case a claim is made.