HDFC ERGO Car Insurance Policy Comparison

Comparison has become an inevitable practise these days. Even when you wish to go on a vacation; you compare places and their highlights to shortlist the best destination. Similarly, car insurance comparison is also a fittest way to find out the right cover for your beloved car. It helps in showcasing the uniqueness of each policy, making it easier for you to make an informed investment decision for securing your car in the long term. Every policy has its own set of offerings, it’s important to look out for a plan which offers comprehensive cover for insuring maximum loss caused due to uncertainties. Comparing can insurance plans would help you in finding out the difference between policies and choose a plan suiting your budget and requirement.

How to compare car insurance policies?

Comparing car insurance plans is probably the best way to shortlist the right policy for your car. In a large perspective, car insurance policies with HDFC ERGO are divided into two broad prospects, comprehensive cover and third party liability. Let’s understand the benefits offered by both these policies to pick the right cover for your car.

Car Insurance Comparision

  •  
  • 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 Depreciation
  • Emergency assistance cover
  • No claim bonus protection
  • Return to invoice
  • Engine & Gear Box Protector
  • Key Replacement cover
  • Cost of Consumable Items
  • Loss of Use - Downtime Protection
  • Comprehensive(Single year)
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Comprehensive Long Term
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Optional Add-on
  • Third Party (Liability Only)
  • Comprehensive
    (Single Year)
  • Comprehensive (Multi year)
  • 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 Depreciation
  • Optional Add-on
  • Optional Add-on
  • Emergency Assistance Cover
  • Optional Add-on
  • Optional Add-on
  • No Claim Bonus Protection
  • Optional Add-on
  • Optional Add-on
  • Return to Invoice
  • Optional Add-on
  • Optional Add-on
  • Engine & Gear Box Protector
  • Optional Add-on
  • Optional Add-on
  • Key Replacement cover
  • Optional Add-on
  • Optional Add-on
  • Cost of Consumable Items
  • Optional Add-on
  • Optional Add-on
  • Loss of Use - Downtime Protection
  • Optional Add-on
  • Optional 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

Third Party Liability motor Insurance policy that covers your legal liabilities towards third parties for injuries, permanent total disability, death and property damage arising due to any accident involving your vehicle.
Buying car insurance is an easy and quick process. Click here and enter your vehicle details, calculate premium, make instant payment and download the policy copy instantly.
For comparing car renewal insurance, you may read about the policy offerings, compare quotes and renew your insurance online, instantly
Zero depreciation car insurance cover provides you the benefits against the depreciation on parts at the time of a partial loss claim.
By simply entering your vehicle registration details you can calculate premium and compare quotes of different policies by HDFC ERGO online.

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 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%
Awards & Recognition
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