• Introduction
  • What’s Included
  • What’s not Included?
  • Why Choose HDFC ERGO?
  • FAQs

Passenger Carrying Vehicle

Your vehicles form the backbone of your everyday business on road. Your passenger vehicles afford to stay in the garage for long? No. With HDFC ERGO, ensure the best of timely care with the most affordable premiums.

What's Included?

Accidents
Accidents

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

Fire & Explosion
Fire & Explosion

Boom! Fire may hamper your vehicle partially or totally. Whatsoever be the loss due to Incidents of fire and explosion, do not worry we can handle it.

Theft
Theft

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

Calamities
Calamities

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

Personal Accident
Personal Accident

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

Third Party Liability
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...

What's Not Included?

Depreciation
Depreciation

We do not cover depreciation in the value of the vehicle over time.

Electrical & Mechanical Breakdown
Electrical & Mechanical Breakdown

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

Illegal Driving
Illegal Driving

Your vehicle insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol Read More...

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Why HDFC ERGO?

Secured 1.5+ Crore Smiles!@

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
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Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our in-house claims team provides round the clock support to ensure a hassle-free claim experience. We ensure to be your constant support system in times of need.
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Why HDFC ERGO?

Catering to customer needs

Since, last 20 years, we have been catering to endless customer requirements seamlessly, by providing a wide range of plans and add on covers for every portfolio.
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Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
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Why HDFC ERGO?

Awards

HDFC ERGO has won under “Claims and Customer Service Excellence” category at FICCI Insurance Industry Awards, 2021.
Why HDFC ERGO?
awards

Secured #1.5+ Crore Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
awards

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
awards

Catering customer needs

Since, last 20 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.
awards

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
awards

Awards

HDFC ERGO has won under “Claims and Customer Service Excellence” category at FICCI Insurance Industry Awards, 2021.

Frequently asked questions

1. What is comprehensive insurance policy?
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 patry of liability only policy is required without which one cannot use the vehicle on road. However, under third party of 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 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.

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 upto 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%
No paperwork and physical documentation is required and you will get instant policy.
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 basis which NCB reserving letter would be issued by existing insurer. Basis NCB reserving letter this benefit can be transferred to the new vehicle to avail the continuity benefits.
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.
You may register a claim either on HDFC ERGO’s website or call centre.
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