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  • Introduction
  • What's included ?
  • What's not included?
  • Add-on covers
  • FAQs

Ford Car Insurance

Ford re-entered India with a joint venture with Mahindra in the year 1995 with the launch of the Escort sedan. Gaining full control of the company in 1998, Ford has subsequently invested heavily in India over the years and their product portfolio has diversified. It now consists of the Figo hatch, Aspire sedan and SUVs such as the Ford Ecosport and the Endeavour. Ford India also offers the iconic muscle car in India, the Mustang, with a classic V8 engine. Known for their solid built quality and their exciting driving dynamics, Ford India has earned a large fan following, which mainly consists of driving enthusiasts. Over the years, they have invested in localization of their products, helping it bring down significantly the maintenance costs. A good  Car Insurance Plans for Ford car models can offer much-needed financial protection in case of an accident.

Five Popular Ford Cars

Ford FigoFord’s offering in the premium hatchback segment, the Figo, comes across as a great value-for-money offering. Punchy motors, spacious cabin and exciting driving dynamics make it a favorite among the masses and the driving enthusiasts alike. Ford has recently launched a ‘Sportz’ variant of the Figo with a slightly stiffened suspension and larger wheels to give its drivers a slightly more involving driving experience.

Ford AspireFord entered the popular sub-compact sedan segment with the Aspire. Based on the Figo, Aspire impresses with its punchy engines, long list of equipment and a spacious cabin. In this highly competitive segment, the Aspire offers great value-for-money and is the only car to offer six airbags in the segment.

Ford EcosportThe popular compact-SUV offering from Ford, the Ecosport, kicked started the segment in India. With its range of fun-to-drive engine options, exciting driving dynamics and a good ground clearance figure, the Ford Ecosport still remains a popular option in its segment. The Ecosport is the only car in the segment to be offered with six airbags.

Ford EndeavourThe second-generation Endeavour remains the most feature-packed full-sized SUV in its segment. Impressive off-road abilities, punchy diesel motors and a roomy cabin are other USPs of the car. The Endeavour offers various first-in-segment features and equipment such as 9-airbags, full panoramic sunroof, semi-parallel park assist and electrically foldable third row seats.

Ford MustangThe Iconic American muscle car was bought to India by Ford after 52 years of its existence. Ford offers the Mustang with a 5.0-litre V8 engine that produces over 400 horsepower. A fully built import, the Mustang is priced Rs 65 Lakh (ex-showroom, India).

Reasons to buy HDFC ERGO Ford Car Insurance

Save Up to 70% On Your Car Insurance Premiums!
Save Up to 70% On Your Car Insurance Premiums!
Bid goodbyes to pricey car insurance 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
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 let you register a claim via IPO app & website & we approve your claims within 30* Minutes.
Why Limit Your Claims? Go Limitless!
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
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.

What's Included in Ford Car Insurance?


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

Fire & Explosion
Fire & Explosion

Boom! Fire may hamper your Ford car partially or totally, whatsoever be the loss due to Incidents of fire and explosion. Do not worry we can handle it.


Car got stolen? Sounds quite unfortunate! Before you fret over it, let us inform you we will secure it!


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

Personal Accident
Personal Accident

You can skip this cover, if you have an alternate personal accident policy of Rs 15 LakhsRead More...

Third Party Liability
Third Party Liability

In case your ford car accidentally caused injuries or damages to the properties of a third person, we offer complete coverages to Read More...

What’s not included Ford Car Insurance?


We do not cover depreciation in the value of the car.

Electrical & Mechanical Breakdown
Electrical & Mechanical Breakdown

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

Illegal Driving
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 remains out of car insurance coverage scope.

ADD On Covers under Ford Car Insurance

Ford Car Insurance-Zero Depreciation Cover
Get the Entire Amount With Zero Depreciation Cover!

Usually, your car insurance 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 the car 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.
Ford Car Insurance-No Claim Bonus Protection
There’s a way you could protect your NCB

In case of claim for your damages ford car, 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 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.
Ford Car Insurance-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 for your ford car, 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 car insurance policy will always pay you the IDV (Insured Declared Value) of your vehicle. The IDV is equal to the current market price of the car. 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 is damaged beyond reapir 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/dectucible as per the policy schedule will have to be borne by you.
Ford Car Insurance-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 your car’s internal parts of engine and gearbox remains protected.
Ford Car Insurance-Key Replacement cover
Lost/stolen keys? The key replacement cover helps you!

Did your ford car 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.
Ford Car Insurance-Cost of Consumable Items

Here is a consumable items coverage that covers all the consumables used in your car! Yes! You need this right now! It pays for all the non reusable consumables such as nuts, bolts....

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.
Ford Car Insurance-Loss of Use - Downtime Protection

Paid the Cabs While Your Car Was On Repair? Downtime Protection Is Here! Provides a cash allowance benefit incurred by the customer for use of other means of transport for daily conveyance .

How does it work? So, your vehicle got involved in an accident, and it is given for repair works! 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!
Renewal Process of Ford Car Insurance

Renewal of your car insurance online on HDFC ERGO is quick and simple. It will require minimal paperwork. All you need to do is Click Here and give details of your expiring policy online, go through the details of the new policy, and make an instant online payment through multiple secured payment options. That’s it!

Simple procedures, quick dispersal, and unique benefits are what you get when you buy Ford Insurance online from HDFC ERGO. So, if after any unforeseen mishap, you wish to get back to the driving seat safe and soon, then choose HDFC ERGO as your insurance partner!

Claims Process of Ford Car Insurance

This is something that may seem difficult to understand to most of you. However, HDFC ERGO has well busted the myth. It has made the claim process swift, smooth, and simple. All you need to do is just register your claim via its mobile app, HDFC ERGO Insurance Portfolio Organizer (IPO) or toll free number, 022 6234 6234.Click Here to know details on claim process.


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FAQs on Ford 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.
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.
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.
There are two type of car insurance policies – comprehensive and liability only policy
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:
  1. Liability only policy for 3 years policy duration
  2. Package policy for 3 years policy duration
  3. Bundled policy with 3 years liability cover and 1 year cover for own damage
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.
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.
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.
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 cars% of Discount on Own Damage premium
No claim made or pending during the preceding full year of insurance20%
No claim made or pending during the preceding 2 consecutive years of insurance25%
No claim made or pending during the preceding 3 consecutive years of insurance35%
No claim made or pending during the preceding 4 consecutive years of insurance45%
No claim made or pending during the preceding 5 consecutive years of insurance50%
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.
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.
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.
Not exceeding 6 months5%
Exceeding 6 months but not exceeding 1 year15%
Exceeding 1 year but not exceeding 2 years20%
Exceeding 2 years but not exceeding 3 years30%
Exceeding 3 years but not exceeding 4 years40%
Exceeding 4 years but not exceeding 5 years50%
No paperwork and physical documentation are required and you will get your policy instantly.
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.
You may cancel the existing policy. Supporting documents like sale deed/form 29/30 shall be required to cancel the policy.
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
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.
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.
You may register a claim either on HDFC ERGO’s website or through its call centre or HDFC ERGO’s mobile app
You may register a claim either on HDFC ERGO’s website or through its call centre or HDFC ERGO’s mobile app
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
  1. Claim needs to be intimated through the call center or HDFC ERGO mobile application (IPO).
  2. Our team will reach out to the customer and request for vehicle damage photos.
  3. Damages limited to 3 panels will be accepted under this service.
  4. Vehicle may not be repaired immediately post intimation as the workshop appointment and pick-up is subject to vehicle part and slot availability.
  5. Customer saves on the time they have to spend on driving to and back from the garage.
  6. 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.
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