Introduction
What's included?
What's not included?
Add-on covers
Why Choose HDFC ERGO?
FAQs

Comprehensive Car Insurance

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.

Restart Your Car with Jumpstart

We know you are rearing to get back to normalcy! But have you spared a thought about your car which has been languishing in the parking lot while you were holed up at home staying safe? Restarting your car after a hiatus may spell inconvenience and trouble but HDFC ERGO always has your back in times of difficulty and now is no different. We help you JumpStart your car for free^, all you've got to do is, give us a call on 022-62346235,It can’t get better, so rouse your cars from their deep sleep and avail the HDFC Ergo JumpStart service now!.

Give your vehicle the all-round coverage it deserves

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.

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Reasons to buy HDFC ERGO Comprehensive Car Insurance

Save Up to **70% On Your Premiums!

Bid goodbyes to pricey premiums when you can get upto 70% discounts! Why look elsewhere, when amazing quotes are just a click away?

Go Cashless! With 6800+ Cashless Garages

6800+ Network Garages spread all over the country, isn’t that’s a huge number? Not just this, we settle 50% Car insurance claims on the same dayˇ

Why Limit Your Claims? Go Limitless!

HDFC ERGO opens doors to °unlimited claims! Though we believe you’ve been driving cautiously, however in case of any claim you wish to register, we do not restrict you.

***Overnight Car Repair Services

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.

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What's Included?

Accidents

Accidents are uncertain. Did your car get damaged due to an accident? Don’t panic! We cover it!

Fire & Explosion

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.

Theft

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.

Calamities

Havoc due to earthquake, landslide, floods, riots, terrorism etc. may take a toll over your favourite car. Read More...

Personal Accident

In case of injuries due to car accidents, we cover all your treatments and make sure you are healthy and Read More...

Third Party Liability

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

What's Not Included?

Depreciation

We do not cover depreciation in the value of the car

Electrical & Mechanical Breakdown

Any electrical or mechanical breakdowns remain uncovered under our car insurance policy

Illegal Driving

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...

ADD On Covers

Zero Depreciation Cover

Get the Entire Amount With Zero Depreciation Cover!

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.

How does it Work? If you car is damaged and the claim amount is Rs 15,000, out of which insurance company says that you may have to pay 7000 as depreciation amount excluding policy excess/deductible. If you buy this add on cover then, the insurance company will pay the entire assessed amount. However, policy excess/deductible needs to be paid by the customer, which is quite nominal.

No Claim Bonus Protection

There’s a way you could protect your NCB

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.

How does it work? Consider a situation wherein your parked car gets damaged due to collision or any other calamity, No Claim Bonus protection shall keep your NCB of 20% protected for the same year and take it smoothly to the next year slab of 25%. This cover can be availed upto 3 claims during the entire policy duration.

Emergency Assistance Cover

We’ve got you covered!

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!

How does it work? Under this add on cover there are multiple benefits which can be availed by you. For instance, If you are driving your vehicle and there is damage, it needs to be towed to a garage. With this add on cover, you may call the insurer and they will get your vehicle towed to the nearest possible garage upto 100 kms from your declared registered address.

Return to Invoice

Offers the differential amount between the IDV and the Invoice value of the vehicle

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 .

How does it Work? If you have purchased a vehicle in 2007 and the purchase invoice was Rs 7.5 lakhs. After two years, the Insured Declared Value (IDV) would be Rs 5.5 lakhs and if your car is damaged beyond repair or is stolen then, you will get the original purchase invoice Rs 7.5 lakhs. In addition to this, you will get registration charges & applicable taxes as well. Excess/deductiible as per the policy schedule will have to be borne by you.

Engine & Gear Box Protector

Protects your car engine damage when water enters the engine during rains or flood

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.

How does it Work? Imagine on a rainy day due to accident, if there is damage to the engine/gear box and chances are that engine oil will start leaking. In such a situation, if you continue to drive the vehicle, engine will get seized. Such damage is a result of a consequential loss which is not covered under the standard motor insurance policy. With this add-on cover any financial loss occurring as a result of your car’s internal parts of engine and gearbox getting damaged will be secured.

Key Replacement cover

Lost/stolen keys? The key replacement cover helps you!

Did your keys get stolen or lost? This add-on will help you get the replacement keys as soon as possible!

How does it work? If you have lost or misplaced your car keys this add-on cover will act as a saviour.

Cost of Consumable Items

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....

How does it work? If your car faces an accident and needs repairs, under such a scenario the non-reusable consumables may have to be bought again to fix your car. Parts such as washers, screws, lubricants, other oils, bearings, water, gaskets, sealants, filters, and much more are not covered under the motor insurance cover & the cost is to be borne by the insured. With this add on cover we pay for the cost of such consumables and let you take it easy.

Loss of Use - Downtime Protection

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.

How does it work? So, your vehicle got involved in an accident, and it is undergoing repair. Sadly, you are left without a vehicle to travel and end up paying the cabs more! But, did you know that the loss of use-downtime protection can cover all the expenses made on cabs? Yes! It will as mentioned on the policy schedule!

Secure your car today!

Know what the expert speaks about our car insurance plans

Mukesh Kumar| Motor Insurance Expert | 30+ years of insurance industry experience

I recommend getting your car insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 6,800+ network garages, you can be assured of help in event of any damage to your vehicle. Also one should insure his/her vehicle and avoid getting heavily fined under the recently enacted Motor Vehicle Amendment Act 2019.

Our Cashless
Garage Network

7400+

Garage Locator

Locate Garages Near You

Seamless & Easy Claims! Assured

Locate network Garages Near You

Regular claim update on your mobile

Avail your preferred mode of claims settlement

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. We settle ˇ50% car insurance claims on the same day. For our online claim intimation via QR code facility 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!

Overnight Car Repair Services***

Transparency at its best

Transparency holds the key to to our transactions, and you can be assured of getting the seamless claim procedures. We settle ˇ50% car insurance claims on the same day. For our online claim intimation via QR code facility we’ve been

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!

Frequently asked questions

1. What is car insurance?

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.

2. What does comprehensive car insurance mean?

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 term of death, bodily injury and third party property damage.

3. Should I buy a comprehensive or a third party car insurance cover?

As per law, only third party liability only policy is required without which one cannot use the vehicle on road. However, under third party liability only policy, any damage to your vehicle due to fire, theft, earthquake, terrorism etc is not covered and it could result into a huge financial loss. Therefore, it is recommended to buy a comprehensive cover as it provides financial protection along with protection from third party liability.

4. What are the various types of car insurance policies?

There are two type of car insurance policies – comprehensive and liability only policy

5. What are the various long term policies available for car insurance?

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:

Liability only policy for 3 years policy duration
Package policy for 3 years policy duration
Bundled policy with 3 years liability cover and 1 year cover for own damage

6. Is car insurance policy mandatory?

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.

7. What is Zero depreciation cover or bumper to bumper coverage?

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 charges and will be eligible for full claim amount subject to terms and conditions of the policy.

8. How does emergency assistance programme work?

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 the customer care number mentioned on the policy for availing these benefits.

9. What is No Claim Bonus?

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 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%

10. What happens when I wish to renew my expired policy?

You can easily renew your expired policy online. You need to download 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.

11. What happens to my No Claim Bonus while renewing an expired policy?

No Claim Bonus is valid up to 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.

12. What is IDV? What are the factors deciding IDV?

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%

13. What are the benefits of buying car insurance online?

No paperwork and physical documentation are required and you will get your policy instantly.

14. What will happen when you sell your car?

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 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.

15. How can I transfer my No Claim Bonus to a new vehicle?

Existing vehicle has to be sold off on the basis of which an NCB reserving letter would be issued by the existing insurer. On the basis of the NCB reserving letter, this benefit can be transferred to the new vehicle

16. What is the procedure to transfer my insurance?

You need to approach the insurer with supporting documents for transfer of insurance. Supporting documents would include sale deed/form 29/30/NOC of seller, Old RC copy, Transferred RC copy and NCB recovery amount.

17. How do I renew my expired car insurance policy?

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.

18. How can I register a claim if I have a HDFC ERGO Car Insurance policy?

You may register a claim either on HDFC ERGO’s website or through its call centre or HDFC ERGO’s mobile app

19. What is the procedure to register a new claim?

You may register a claim either on HDFC ERGO’s website or through its call centre or HDFC ERGO’s mobile app

20. How much time will it take to repair minor damages?

With Overnight Repair Facility, repair of minor damages shall be completed overnight.Facility is available only for private cars and taxis. Process for overnight repair facility is mentioned below

Claim needs to be intimated through the call center or HDFC ERGO mobile application (IPO).
Our team will reach out to the customer and request for vehicle damage photos.
Damages limited to 3 panels will be accepted under this service.
Vehicle may not be repaired immediately post intimation as the workshop appointment and pick-up is subject to vehicle part and slot availability.
Customer saves on the time they have to spend on driving to and back from the garage.
Currently this service is available in 13 selected cities which are Delhi, Mumbai, Pune, Nagpur, Surat, Vadodara, Ahmedabad, Gurgaon, Jaipur, Hyderabad, Chennai, Kolkata, and Bangalore.

21. What is full coverage car insurance and how does it differ from Comprehensive Car Insurance

Full Coverage Car insurance policy has both collission coverage and comprehensive car insurance. In colllission coverage you get coverage for damages to your vehicle due to collision with another vehicle or collission with any object or when the car rolls over falling over. It does not cover damages to other car or liability due to injury or death of third party. A comprehensive insurance covers damages to your own vehicle as well as damages to the third part or their property.

22. How to get Comprehensive Car Insurance Quote?

You can get a quote of comprehensive car insurance at click here

23. What does comprehensive car insurance mean?

Comprehensive car insurance offers protection against third party liabilities and as well as own damages sustained from natural and manmade calamities like floods, earthquake riots, arson, theft and burglary.

24. Is it worth getting comprehensive car insurance?

Yes, it is worth getting comprehensive insurance for your car, a third party policy offers only coverage against third party liability whereas a comprehensive insurance plan, offers protection to your vehicle from risks including loss or damages due to theft, fire, riots, arson and natural calamities like lightning, earthquake, floods etc. Therefore even after considering the nominal rise in premium the benefits outweigh the costs.

25. I have comprehensive car insurance. Do I need CTP?

Compulsory third party insurance is a mandatory requirement as per law. However, a comprehensive insurance plan covers CTP as well and hence it does not need to be bought separately.

26. How is a comprehensive car insurance cover different from the zero-depreciation cover?

Zero depreciation is an add-on cover which comes as an added coverage benefit and can be bought with comprehensive insurance cover. Under zero depreciation cover which is also known as bumper to bumper cover, the depreciation part is also borne by the insurer whereas in case of taking comprehensive insurance without zero depreciation, the insurer is not liable to bear the cost of depreciation. It is usually offered only on new cars and may be offered only for a specified number of years after purchase (usually five).

27. Is it a good idea to buy comprehensive car insurance for an old car?

In case you have an old car that you are attached with emotionally, it becomes all the more important to get it insured, with security systems being old and chances of breakdown increasing, it is a wise decision to get it insured. Comprehensive insurance offers complete coverage for your car from third party liability and also from any damages from natural calamities and manmade events.

28. When should you purchase a comprehensive car insurance policy?

You can buy comprehensive car insurance for your car whether your car is new or old. A comprehensive insurance offers more coverage against a wider variety of risks ranging from loss due to accidents or losses from damages due to natural and manmade calamities like earthquake, floods theft, fire, riots etc. Therefore on paying a nominal premium you get higher coverage against risks which can prove to be costly on your finances.

29. What is NCB Retention Cover?

This add-on cover retains your No Claim Bonus even after you have raised a claim for damage caused to your parked vehicle due to external impact or any calamity such as flood, fire etc. This cover not only protects your NCB earned so far, but also takes it to the next NCB slab. It can be claimed for a maximum of 3 times during the policy period.

30. What do you mean by Constructive Total Loss?

The Insured Declared Value (IDV) is the maximum amount of sum assured fixed by the insurance company, according to the present market value of the vehicle. Sometimes, the overall repair cost exceeds 75% of the vehicle’s IDV,and then, the insured car is treated as a Constructive Total Loss claim.

31. What is Road Side Assistance? When should I opt for the Road Side Assistance service?

Roadside assistance is an add-on cover that comes to your rescue when you are stranded on the road in case of a mechanical breakdown. This has to be purchased by paying additional premium. One can avail 24*7 road side assistance for breakdown, tyre replacement, towing, fuel replacement etc. by contacting the customer care.

32. Can I choose not to claim if the damage is minimal? What do I gain out of it?

When a policyholder doesn’t make any claims during the policy period, he/she is rewarded with a No Claim Bonus (NCB). Now, this discount can range from 15% to 50%, depending upon your track record of not making a claim. While making a claim for massive damages serves the whole purpose of taking insurance, if you let go of small damages, you can avail a decent discount in the form of NCB. So, it’s advisable to pay for minor repairs instead of making a claim and losing that NCB, which by the way, only increases with every passing year.

33. What is bumper to bumper car insurance?

Bumper to bumper is an add-on cover providing complete coverage, in case of an unfortunate event, to damages done to fibre, metal, and rubber parts of your car. This, however, does not cover engine damage, batteries, tyres and glass. Pay additional premium to purchase this add-on. It is also known as zero depreciation or nil depreciation car insurance

The claim process was so easy for me. I will surely stick with HDFC Ergo for my cars and bike insurance.