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Home / Motor Insurance / Car Insurance / Downtime protection

Downtime Protection in Car Insurance?

Name: Comprehensive Car Insurance
Brand: HDFC ERGO
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If your car is damaged and is under repair, you might incur additional expenses in arranging for an alternate mode of transportation. Similarly, in the case of total loss or theft of the car, you might incur additional costs during the time the claim is being processed. The downtime protection add-on cover in car insurance covers these additional costs incurred when your car is being repaired or when the claim is being processed.
Downtime protection in car insurance is the cover which gives you a daily allowance till the time your car is repaired or the claim is processed after you have made a claim in your car insurance policy

The process of buying a Downtime Allowance insurance rider:

You can buy the downtime allowance add-on with a comprehensive insurance. You can buy the coverage either when you are buying a new policy or when you are renewing an existing plan. You would have to choose the add-on from the complete list of add-ons offered by HDFC ERGO. Then pay the additional premium for the coverage and the coverage would be added to your base policy. It is as simple as that!

Why buy a Downtime Allowance rider along with your car insurance plan?

The downtime protection add-on is quite beneficial for car owners. Here are some reasons why –

● You receive a flat daily allowance irrespective of the actual costs incurred on alternate transportation. This allows you to meet additional costs too that you might incur when your car is under repairs or when your claim is being processed.

● The additional premium payable for the add-on is quite low

● You get the daily allowance for a specified number of days so that you don’t face any inconvenience after a claim

● The add-on is easily available online when you buy or renew your car insurance policy.

Choose downtime protection in car insurance and make your car insurance policy truly comprehensive.

Inclusions
Exclusions

Inclusions

Downtime protection for car insurance is available only if you make a valid claim in your car insurance plan. The add-on, then, pays Rs.5000 per day till your car is repaired in the case of damage. In the case of total loss or theft, the downtime allowance is paid till the claim is settled. The maximum period up to which the claim is paid is 5 days in the case of a partial loss and 15 days in the case of a total loss.

Exclusions

The downtime protection claim is payable only if you have made a valid claim in your car insurance policy. Then too, there is a deductible of 24 hours. The downtime allowance in car insurance would be paid after the first 24 hours. The expenses incurred till the first 24 hours would have to be borne by you.

Know the inclusions and exclusions and then buy the downtime protection add-on with your comprehensive car insurance plan.

How To Claim Car Insurance For Downtime Protection?

After you have incurred a valid claim in your car insurance plan, follow the claim process and intimate HDFC ERGO. If you have selected the downtime protection add-on, inform the insurer about the same. The company would then start paying the daily allowance after the first 24 hours.

Top Things To take care of while filing a downtime insurance claim:

When you are filing a claim for downtime insurance, here are some aspects that you should bear in mind –

● Find out if you need to submit any documents. If you do, submit the relevant documents so that the claim can be processed easily

● Though the add-on pays an allowance of Rs.5000 for arranging an alternate vehicle, you can use the claim amount as you deem fit

● The downtime insurance claim would affect your no-claim bonus and make it zero

● Make sure that your car insurance policy is active when you are making a claim for downtime protection

Get instant claim processing with HDFC ERGO’s car insurance plans

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Frequently asked questions

1. How to buy the Downtime Allowance rider for a commercial vehicle?

You would have to check if the insurer offers the downtime protection add-on with comprehensive policies on commercial cars. If the insurer does, you can buy the add-on either at the time of buying the policy or during renewals.

2. Can I opt for a Downtime Allowance add-on protection during the policy tenure?

No, you can buy the add-on for downtime insurance for cars only at the time of renewals or when buying the insurance policy.

3. Can I claim for Downtime Allowance for my car which got damaged due to a tree falling on the same, but I had completely forgotten to send an email or a written notification to the insurer?

You would have to initiate a claim for your own damage first. Then you can inform the company of the downtime protection cover too. The company would, however, give you the allowance after your claim is approved and the repairs have started. You would not get any allowance for the first 5 days during which you did not file your claim. If, however, you have made a claim for your own damage, the company would automatically start paying you the allowance as per the coverage in the policy even if you forgot to send a written intimation to the insurer.