A comprehensive car insurance is a type of car insurance policy that protect your vehicle from all the unforeseen losses such as amid an accident, fire, theft or natural calamity.
Your smile is what makes us shine! Get peace of mind with our comprehensive car insurance policies and get 24 x7 assistance, be it dawn or dusk. With 6800+ Cashless Network Garages across the country, we ensure seamless service to you.
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Looking for motor insurance but confused about which plan to choose? Watch this 2-minute video to know why HDFC ERGO’s all-inclusive motor insurance policy is the answer to your question. With benefits like useful add-on covers, 8400+ network garages, and quick and easy claim settlement, now get effective protection for your vehicle at competitive rates.
Accidents are uncertain. Did your car get damaged due to an accident? Don’t panic! We cover it!
Boom! Fire may hamper your car partially or totally, whatsoever be the loss due to Incidents of fire and explosion. Do not worry we can handle it.
You have taken all precautions but still your dream car got stolen? It can be a heart shattering experience.. Wait!! Before you fret over it, let us inform you that we will secure it.
Havoc due to earthquake, landslide, floods, riots, terrorism etc. may take a toll over your favourite car. Read More...
In case of injuries due to car accidents, we cover all your treatments and make sure you are healthy and Read More...
In case your vehicle accidentally caused injuries or damages to the properties of a third person, we offer complete coverages to Read More...
Order of IRDAI on Premium Rates for Motor Third Party Liability Insurance Cover for the Financial year 2019-20 effective from 16th June, 2019
We do not cover depreciation in the value of the car
Any electrical or mechanical breakdowns remain uncovered under our car insurance policy
Your car insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol Read More...
Usually, your policy will only pay you the claim amount after deducting the depreciation amount. Your policy wordings will contain the details of depreciation. So, what can you do to get the entire amount? There is a way out. The zero-depreciation cover! With zero depreciation, there are no depreciation cuts, and you get the entire amount in your hands.
In case of claim for damage caused due to external impact, flood, fire etc to a parked vehicle or damage to windshield glass, this add on cover not only protects your No Claim Bonus earned so far, but also takes it to the next NCB slab.
We are here to offer you round-the-clock assistance to deal with any technical or mechanical breakdown issues of your car! The emergency assistance cover includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!
What could be more devastating than discovering one fine day that your car has been stolen or faced a total damage? Your policy will always pay you the IDV (Insured Declared Value) of your vehicle. The IDV is equal to the current market price of the vehicle. But, with a return to invoice add-on, you get the difference between invoice value and IDV as well! You have to ensure that an FIR has been filed and the car was not recovered within 90 days after the incident .
Be it the downpour of rains or the rushing flood waves, your vehicle's gearbox and the engine remains wrapped in the protective coverage of engine and gearbox protection cover! It pays for the replacement or repair of all the child parts or internal parts. Moreover, it further covers the labor costs, cost of compression tests, machine charges and engine cylinder re-boring.
Did your keys get stolen or lost? This add-on will help you get the replacement keys as soon as possible!
Here is a consumable items coverage that covers all the consumables used in your car. It pays for all the non reusable consumables such as nuts, bolts, filters, gaskets etc....
Paid the cabs while your car was on repair? Downtime protection provides a cash allowance benefit incurred by the customer for use of other means of transport for daily conveyance while your car undergoes repair.
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Secured Over #1 Crore+ Smiles!
Overnight Car Repair Services***
Transparency at its best
All the support you need- 24 x 7!
Go Paperless! Go Boundless!
All types of Vehicles | % of Discount on Own Damage premium |
---|---|
No claim made or pending during the preceding full year of insurance | 20% |
No claim made or pending during the preceding 2 consecutive years of insurance | 25% |
No claim made or pending during the preceding 3 consecutive years of insurance | 35% |
No claim made or pending during the preceding 4 consecutive years of insurance | 45% |
No claim made or pending during the preceding 5 consecutive years of insurance | 50% |
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% |