Premium starting at ₹2072*
6800+ Cashless Garages
HIGHEST CLAIMS PAYING ABILITY ̾
#1.3 CRORE+ HAPPY CUSTOMERS
Car Insurance
Car insurance policy is a type of insurance policy required to provide protection to your vehicle against any damage which might result into a financial loss. As per the Motor Vehicle Act 1988, it is mandatory to buy a liability only policy without which one cannot use the vehicle on road. In order to secure your car against uncertain events like accident , you must get it covered under car insurance, you can buy car insurance online and save on time and unnecessary hassles of paperwork required.
Types of Car Insurance
Car Insurance policy is available in three types
- Third Party Liability
- Standalone Car Insurance Plan
- Comprehensive Car Insurance Plan
Why Should I Buy Car Insurance?
Just as every little thing that you own is nurtured and protected, your car also needs to be safeguarded against the effects of accidents, natural calamities, theft, and malicious damage. Imagine, in a world where minor repairs and maintenance costs you a lot, what would be the stretch of expenses that you may have to make if your vehicle is stolen or gets damaged totally? Your finances go for a toss as you will have to bear the expenses for repairing it. To avoid such a financial loss and stay protected, it’s advisable to buy a car Insurance policy. Also under Motor Vehicle Act 1988, it is mandatory that all the motorists to have a valid motor insurance for their vehicle at all times.
Car Insurance Plans
This car Insurance plan provides complete coverage for your car against damages, third party liabilities, and personal accident for 1 year.
With this plan you can now insure your car against natural calamities like floods, earthquake etc and man made events like riots,arson.
This car Insurance plan provides complete coverage for your car up to 3 years for damages resulting from natural calamities, man made events and third party liabilities.
The car insurance plan offers cover for all the damages caused by your car to a third party in the event of an accident. It is a mandatory cover!
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 Car Insurance
Compare Car Insurance
| Comprehensive (Single year) | Comprehensive (Long Term) | Third Party (Liability Only) | |
|---|---|---|---|
| Car Insurance for Accidental Damage | |||
| Car Insurance for Theft | |||
| Car Insurance for Damage due to fire | |||
| Car Insurance for Damage due to natural disaster | |||
| Personal Accident cover under Car Insurance | |||
| Damage to a third-party vehicle | |||
| Injury to a third-party person | |||
| Zero Depreciation under Car Insurance | Optional Add-on | Optional Add-on | |
| Emergency assistance cover under car Insurance | Optional Add-on | Optional Add-on | |
| No claim bonus protection under car insurance | Optional Add-on | Optional Add-on | |
| Return to invoice cover under car insurance | Optional Add-on | Optional Add-on | |
| Engine & Gear Box Protector under car insurance | Optional Add-on | Optional Add-on | |
| Key Replacement cover under car insurance | Optional Add-on | Optional Add-on | |
| Cost of Consumable Items under car insurance | Optional Add-on | Optional Add-on | |
| Loss of Use - Downtime Protection under car insurance | Optional Add-on | Optional Add-on |
Latest News On Car Insurance
Advanced safety features bane or boon for your car insurance premium!
Safety is of paramount importance for car makers and customers alike, hence safety features like advanced driver-assistance systems are a part of modern cars. And while these features cater to the safety needs and avoid collisions and accidents, your car insurance premium is getting impacted by them both positively and negatively. While increased safety is bound to decrease car insurance premiums, getting these safety systems repaired does not come cheap.
What is IDV under Car Insurance?
The Insured Declared Value (IDV) of your car, is the sum insured coverage provided under your car insurance plan. It is fixed at the commencement of each policy period for each insured vehicle.
IDV under any car insurance plan is fixed on the basis of the manufacturer’s listed selling price of the brand and the model of the car proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation (as per schedule specified below).
The IDV of the car(s) and / or accessories, if any, fitted to it but not included in the manufacturer’s listed selling price of the vehicle is also likewise to be fixed.
How does IDV affect Car Insurance.. What are the factors deciding IDV?
IDV is the current market value of your car. It is the amount that is paid by the car insurance company to the policyholder at the time of settlement of claim. IDV is calculates as the manufacturers listing price minus the depreciation but doesn not include registration and the insurance cost. The depreciation charged to calculate the IDV of your car is presented below.
| 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% |
-1.jpg)
Car Insurance Policy: Add-On Covers
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 car insurance 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 !
No Claim Bonus Protection
There’s a way you could protect your NCBIn 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 .
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 in a car insurance policy includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!
Return to Invoice
Offers the differential amount between the IDV and the Invoice value of the vehicleWhat 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 car. 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 .
Engine & Gear Box Protector
Protects your car engine damage when water enters the engine during rains or floodBe it the downpour of rains or the rushing flood waves, your cars 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.
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!
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....
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 .
Factors affecting Car Insurance Premium
- Scope of Coverage: When you opt for comprehensive car insurance instead of just buying third party, you need to pay additional premium but the benefits far outweigh the costs as the risks covered is more than the third party coverage.
- Fuel Type: Insurance premium for cars that run on Diesel and CNG is more than the premium for cars running on petrol.
- Value of the Car: Insured Declared Value (IDV) is the one of the main component in determining the premium IDV is basically the current market value of car. If the current market value of the car is higher, the premium for its insurance will be more.
- Security Systems: If you have installed components that increases the security of your car, then the insurer could take a postive view of the change and provide a reduction in the premium amount.
- Age of the Car: Car is one of the assets whose value decrease with time, depreciation is charged which reduces the market value of car, higher the age of car, the less its market value.
Know what the expert speaks about our car insurance plans
Insurance for Various Car Models
What is covered in car insurance policy?
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
Boom! Fire may hamper your car partially or totally, whatsoever be the loss due to Incidents of fire, explosion, lightening or self-ignition. We Can Handle!
Havoc due to earthquake, landslide, floods, riots, terrorism etc. may take a toll over your favourite car. Stay calm, as we stay undeterred near you by protecting your car from natural and man made calamities.
As per Supreme Court's recent mandate Compulsory Personal Accident cover is mandatory, without CPA your claim may get rejected.
In case of injuries due to car accidents, we cover all your treatments and make sure you are healthy and lively above anything else! We also offer coverage to your co-passengers with a slight change in the premiums!
In case your vehicle accidentally caused injuries or damages to the properties of a third person, we offer complete coverage to meet all your legal liabilities! You can also get third party coverage as a separate policy!
What is not covered in car insurance policy?
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...
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.
Our Cashless
Garage Network
6800+
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
When my car met with an accident, we got in touch with HDFC ERGO. Within Couple of hours , the surveyor took me through the survey and claim processes, it was definetly a feel good experience for me as a customer.
Arjun Rampal
Private Car Comprehensive Policy
Iwould like to thank Ms. Lavanya customer relations officer, she proactively intimated me of my motor claim status and, provided excellent service
Neelaben Rajendrakumar Thakkar
Private Car Comprehensive Policy
I appreciate the professionalism shown, the survey was conducted in my premises and case was expedited in order to avoid RC Cancellation
Ganpati Traders
Private Car Comprehensive Policy
I find that the service is excellent and the representatives are very friendly, efficient and courteous.
Ibrahim K M
Private Car Comprehensive Policy
The experience i had with HDFC ERGO is awesome. Claim settlement was fast, transparent and easy
Gopalakrishnan M
Private Car Comprehensive Policy
Thanks to Mr Tanay, Customer Service Representative, HDFC ERGO for completely guiding me for my claim. All communication was prompt and accurate
Sunil Kumar
Private Car Comprehensive Policy
Awesome Experience... My Car Insurance Claim settlement was fast and Surveyor completely cooperated and was helpful ...
Nee
Private Car Comprehensive Policy
Frequently asked questions on Car Insurance
- 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
| 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% |
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% |
- By insuring your vehicle, you can be at peace that your car's insurance coverage is continued.
- 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.
- Call our customer care at 022 6234 6234 / 0120 6234 6234 for speedy assistance
- Or drive your vehicle to the nearest network garage for repair, where our surveyor would inspect the vehicle
- Submit all the needed documents along with duly filled claim form
- Based on surveyors report, you can arrange the car to be repaired
- After the completion of repair work, you need to take the signed bills and documents from the garage and submit them to the surveyor, who would then send it to us
- We would vet the documents and settle the claims
- • Note that in cases of a major accident, do not move your vehicle and inform us as soon as possible. Also, you need to file an FIR at the nearest police station
Car Insurance 
Bike/Two Wheeler Insurance 
Health Insurance 
Pet Insurance
Travel Insurance 
Home Insurance 
Cyber Insurance 
Third Party Vehicle Ins. 
Tractor Insurance 
Goods Carrying Vehicle Ins. 
Passenger Carrying Vehicle Ins. 
Compulsory Personal Accident Insurance 
Travel Insurance 
Rural 
Critical illness Insurance 
