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

Standalone Own Damage Car Insurance

Your beloved car needs uncompromised protection. When on road your car is highly probable to get damaged due to accidents, calamities, fire or loss due to theft. To ensure under such circumstances your finances remain unaffected its important to buy a standalone own damage car insurance plan . All your car's own damage expenses get covered seamlessly with HDFC ERGO! Thanks to the widespread 6800+ cashless network garages & overnight car repair services, this plan is ideal for protecting your car's own risks.

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.

Reasons to buy HDFC ERGO Standalone Car Insurance

Save on Car Insurance Premium
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?
Cashless Car Insurance Policy
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 a snap.
Unlimited Claims on car insurance
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
***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?

Accident Cover

Accidents

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

Car Insurance fire cover

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 Coverage

Theft

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

natural calamities covered

Natural Calamities

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

To buy a standalone car insurance plan for own damage you must have a valid third party liability policy which is valid for at least a year

What's Not Included?

Depreciation

Depreciation

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 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 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 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.
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.
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! 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.
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!
Standalone Motor Own Damage Cover - Private Cars UIN: IRDAN125RP0001V01201920, *Discount may vary as per make model

Know what the expert speaks about our car insurance plans

Mukesh Kumar | Motor Insurance Expert
Mukesh Kumar | Motor Insurance Expert | 30+ years of insurance industry experience
New age technologies like Big data analytics, Artificial Intelligence and machine learning are being adopted to improve the whole processes across the insurance industry. I would recommend choosing HDFC ERGO to meet your vehicle insurance needs, the insurer has been at the forefront in adapting these new age technologies, you can expect complete transparency and security in their process, be it buying, renewing or making claim

Our Cashless
Garage Network

6800+

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Locate Garages Near You

Seamless & Easy Claims! Assured


Register & Track Claims through our website

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. 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

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.
There are two type of car insurance policies –comprehensive and liability only policy
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 Vehicles% 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%
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.
AGE OF THE VEHICLE% OF DEPRECIATION FOR FIXING IDV
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%
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.
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.
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.
Any car owner who has third party cover can buy standalone own damage cover for covering damages to their own vehicle
No, you are not violating traffic rules.As per Insurance Regulatory Development Authority of India (IRDAI), cars bought on or after September 1, 2018 need to have long term third party policy. Therefore if the own damage component of your plan has expired but the third party component is still valid, you have not violated any traffic rule, however considering the insurance coverage benefits offered by standalone own damage plan, it is suggested that you renew the plan before the expiry date.
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.
No, As per the Motor Vehicle Act 1988, it is mandatory for all the vehicles plying on the road to have a mandatory third party cover, therefore a car cannot have only own damage without having a third party cover.
Own damage cover is not a part of a basic car insurance policy which is a third party policy. Own Damage Cover is a part of a comprehensive car insurance policy.
Yes, it is mandatory for all the car owners to have a third party cover and not the own damage cover, however considering the benefits of its coverage including cover for damage to own vehicle from natural and manmade calamities, it would be a wise decision to go for own damage cover as well.
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
Well, you can change both the IDV and coverage of your policy. You can increase your IDV and can also sign up for upgrades like emergency assistance cover, zero depreciation cover, and engine and gear box protector, among others. However, keep in mind that you will have to pay an additional amount for that. You can also opt for a Voluntary Deductible to reduce your insurance premium. It will, however, mean that you will have to contribute a predetermined amount to the claim amount.
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 expired policy can be renewed online. All you have to do is visit the website of the insurer, make a self-survey of your car, and upload the required documents. Once the documents are approved, a payment link would be sent. After the payment is done, your policy will be renewed.
If you have witnessed a significant rise in the insurance premium during renewal, it might be because of loading. Simply put, it is the amount that is added to a policy to cover for losses which were higher than what the insurer was anticipating. This comes into the picture if the policyholder is prone to a certain type of risk or opts for claims quite often. Loading protects insurance companies against high-risk individuals.

WHAT OUR CUSTOMER SAY

Parthnil Gupte
Private Car Comprehensive Policy
com-pre
  • It's has been the best experience with your team. Getting in touch with you is easy that's why I like your services.
Ejaz Ahmed
Private Car Third Party Policy
com-pre
  • All the features and benefits were explained clearly. Now i get the importance of third party policy clearly.
Gayatri R
Claims Process
com-pre
  • Getting in touch with you was easy process was intimated at every step. Highly recommend HDFC ERGO
Radhika Soni
Endorsement Process
com-pre
  • It was wonderfull to get all the process explained in detailed manner on the changes i had to make
Parth Yogeshbhai
Chotaliya
Private Car Standalone Own Damage Policy
com-pre
  • All the featues , benefits and exclusions of the standalone own damage policy was explained. Recommend HDFC ERGO, they are transparent and honest with their process.
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