Shift gears with better car coverage!
Access 8,000+ cashless garages
nationwide^^ with HDFC ERGO’s
Car Insurance
100% Claim
Settlement Ratio^
8000+ Cashless
Garagesˇ
Over Night
Vehicle Repairs¯
4.4
Customer RatingsCar Insurance
Car insurance provides coverage for any damages to the vehicle due to unforeseen scenarios. These include man-made disasters like burglary, vandalism, accidents, theft, fire and natural disasters like earthquakes, floods or man-made calamities. Events like these can create a big hole in your pocket. Hence, to avoid any losses, it is wise to buy car insurance online safeguarding your finances. You can opt for comprehensive car insurance which provides complete vehicle protection, covering own damages as well as third party liabilities. You can also opt for our Standalone own damage cover or third party insurance cover which is mandated by Motor Vehicles Act of 1988 separately, to suit your requirement.
With the ongoing monsoon season, it becomes more important to have a car insurance policy as there are higher chances of vehicle damage due to floods and poor road conditions. You can enhance the coverage of your car insurance by opting for add-on covers like engine gearbox protection°°, no claim bonus, zero depreciation and many more. So, get HDFC ERGO’s best car insurance at affordable premium and access to a network of 8000+ cashless garagesˇ.
The Future is EV Smart with HDFC ERGO EV Add-Ons
HDFC ERGO has great news for Electric Vehicle (EV) owners! We're introducing new add-on covers with our electric car insurance tailored specifically for EVs. These add-ons include protection for your battery charger and accessories, coverage for your electric motor, and a unique zero depreciation claim for the battery charger. Adding these covers to your electric car insurance policy can shield your EV from potential battery damage caused by unexpected events like floods or fires. As the heart of your EV, safeguarding your batteries and electric motor is a smart move. These three add-ons can be seamlessly added to your comprehensive or standalone own damage cover. The battery charger accessories add-on offers protection against damage due to fires and natural disasters like earthquakes or floods. The electric motor cover ensures coverage for any damage to your EV's motor and its components. With the zero depreciation claim for the battery charger, you'll be compensated for any depreciation when replacing the battery, including the detachable battery, charger, and accessories. Don't miss the chance to customise your electric car insurance policy – opt for these add-on covers and drive with peace of mind.
It will just take a few minutes!
Types of Car Insurance Plans
Comprehensive Car Insurance
Third Party Car insurance
Standalone Own Damage Cover
COVER FOR BRAND NEW CAR
A comprehensive insurance policy is a type of car insurance that gives broad coverage and safeguards your vehicle from unforeseen events.Theft, natural disaster, damage from fires, etc., and damage from man-made causes such as riots and terrorism are all included in this.
A comprehensive car insurance policy also covers third party liabilities. This includes harm done to a third party or their property owing to the covered vehicle. The third party liability insurance protects against monetary obligations if a third party dies due to the insured vehicle.
Accident
Personal accident cover
Natural calamities
Third party liability
Choice of add-ons
Theft
Car Insurance Coverage
The coverage in your car insurance policy depends on the type of policy that you have selected.
Third Party Car Insurance Plans cover the following types of financial liabilities that you might face in a mishap involving your car–
Physical Injury
Death of an Individual
Damage to the Property
Apart from covering your vehicle against third party liabilities, a comprehensive car insurance policy provides coverage for the following -
Accidents
Fire and Explosion
Theft
Natural/Man-made Calamities
In-transit Damage
Personal Accident Cover
While our coverage is comprehensive, the following instances of claims are excluded –
Depreciation
Illegal Driving
Consequential Losses
Electrical and Mechanical Breakdowns
Incorrect Usage
Geographical Limitation
Key Features of HDFC ERGO's Car Insurance
| Key Features | Benefits |
| Third Party Damages | Covers personal accidents, third party injuries, and property damages |
| Own Damage Cover | Covers accidents, fire & explosion, theft, and calamities |
| No Claim Bonus | Up to 50% |
| Car Insurance Premium | Starts at ₹2,094* |
| Personal Accident Cover | Up to ₹15 lakhs~* |
| Cashless Garages | 8000+ ˇ all across India |
| Add-on Covers | 8+ Add-on Covers |
Compare and Select the Best Car Insurance Policy
 CHOOSE THIS | ||
|---|---|---|
| Covers under Car Insurance | Comprehensive Cover | Third Party Liability Only Cover |
| Damage due to natural calamities – Earthquake, cyclone, floods etc. | Included | Excluded |
| Damage due to events like – Fire, theft, vandalism etc. | Included | Excluded |
| Choice of add-ons – Zero depreciation, NCB protect etc. | Included | Excluded |
| Customization of car value | Included | Excluded |
| Personal accident cover of Rs. 15 Lakhs~* | Included | Included |
| Damage to third party vehicle/ property | Included | Included |
| Injury to a third party person | Included | Included |
| No hefty fines levied if valid third party car insurance policy in place | Included | Included |
HDFC ERGO Car Insurance Add-ons
The more comprehensive is the coverage, the more claim is that you can get. To this end, HDFC ERGO offers a select range of add-ons with its comprehensive car insurance plans. Have a look –
As you use the car, the parts suffer normal wear and tear and depreciate in value. Since depreciation is not covered in the insurance claim, it incurs out-of-pocket expenses. With zero depreciation cover, you get full value of the parts repaired or replaced.
Made a claim , worried about your NCB discount? Don’t worry; this add on cover protects your No Claim Bonus earned so far. Also, it takes it to the next NCB slab earning.
Our car insurance policy will offer round-the-clock assistance to deal with any mechanical breakdown issues of your vehicle.
Cost of Consumables
This add on cover under the car insurance policy provides coverage for consumables items like lubricants, engine oil, brake oil, etc.
Tyre Secure Cover
With tyre secure cover, you get coverage for expenses related to replacing the tyres and tubes of the insured vehicle. The coverage is offered when the insured vehicle tyres burst, bulge, puncture, or face a cut during an accident.
EMI Protector
With EMI protector, the insurance company will pay equated monthly installment amount (EMI) to insured as mentioned in the policy. The insurer will cover EMI cost of the vehicle if the insured person’s car is kept in garage for accidental repairs for more than 30 days.
Love your car dearly? Buy this add on cover with your car insurance policy and recover your invoice value in case of theft or total damage to your vehicle.
The engine is the heart of your car, and it is crucial to ensure it is protected. This cover shields you from the financial losses incurred due to damage to your car engine.
Car in the garage? This cover will help bear the expenses you spend on cabs for your daily commute while your car is getting repaired.
Loss of Personal Belonging
This add on covers the loss of your belongings such as clothes, laptops, mobile, and vehicle documents like registration certificates, etc.
Pay as your drive Cover
With pay as you drive add-on cover, you can get the benefits on the own-damage premium at the end of the policy year. Under this cover, you can claim benefits up to 25% of the basic own-damage premium at the end of policy tenure if you drive less than 10,000km.
EMI Protector Plus
With this cover, insurer can pay 50% of the 1st EMI if the vehicle takes 6 to 15 days for repair. If the period exceeds 15 days, insurer will pay remaining 50% of the 1st EMI or full EMI. Furthermore, the insurer will pay the 2nd & 3rd EMIs if the vehicle is kept in garage for more than 30 days & 60 days respectively.
Pay as You Drive Add on Cover
When you have hardly driven your car or use it less frequently, it can become burdensome to pay a hefty car insurance premium. To make the process easier and offer more benefits, HDFC ERGO has come up with the Pay as You Drive – Kilometer Benefit add on cover. With PAYD, the policyholder can get benefits up to 25% after policy expiry.
You can claim a benefit of up to 25% on your own damage premium during policy renewal. When the policy expires, subject to providing distance travelled, you can claim the benefit even with a different insurer. However, if you renew the
policy with us, you get an additional 5% discount on the premium if there is no claim in your previous policy.
Pay as you drive
How Can You Save on Car Insurance Premium
Every person wants to pay a low premium for their car insurance policy. Here are different ways by which you can reduce your car insurance premium:
Buy Pay as You Drive Cover
Buy No Claim Bonus Protection Add on Cover
Avoid Raising Car Insurance Claims
Install Safety Devices
Choose the Adequate Coverage
Why Should You Buy HDFC ERGO's Car Insurance Policy
Easy on your pocket
Easy on your pocket
With multiple choice offerings, our premium starts at ₹2094*. We offer premiums that are affordable with maximum benefits. For example, choosing a comprehensive car insurance policy entitles you and no-claim bonus benefits of up to 50%. And with our car insurance premium calculator calculating your car insurance premium amount is a breeze.
Cashless assistance
The hiccup in the journey? Now no more worrying about cash to get your car fixed while you are stranded in the middle of nowhere. With our 8000+ cashless Garages, pan India help is never too far; our widespread network of cashless garages will be your friend in need. Additionally, our 24x7 Roadside Assistance°° ensures that help is just a phone call away, and your car is taken care of anytime.
No more sleepless nights
Car needs repair but worried how you’d commute to the office next morning? HDFC ERGO’s Over Night Vehicle Repairs¯ is here to save the day! We take care of minor accidental damages or breakdowns while you catch up on your sleep and get your car back in shape by morning. If this doesn’t spell convenience, what does?
Quick & easy claim settlement process
HDFC ERGO car insurance claim process is hassle free and you can file claims quickly through our website. You can even download the claim form from our website. In addition to this, you can also track your car insurance claim status from our website. We have 100% claim settletement ratio^ record that will ease your claim related worries!
A Growing family of happy customers
With over 1.6Crore+ Happy Customer@, we are proud to say that we’ve put smiles on a million faces and counting. The testimonials from our ever-growing family of customers are heartwarming. So toss your car insurance-related worries aside and join the happy customers club!
with nail polish.
Benefits of Buying/Renewing Car Insurance Online
If you are planning to buy car insurance policy, we advise you to purchase or renew car insurance online through HDFC ERGO website. Listed below are few benefits:
No Paperwork
No Risk of Fraudulent
No Brokerage
Compare Policies
Discounts
Things to Note before Buying Car Insurance for Secondhand Car
If you have purchased a secondhand or used car, it is equally as important to buy car insurance policy as it is for a new car. Here are following things to keep in mind before buying second hand car insurance policy:
Car Usage and its Age
IDV (Insured Declared Value)
Add-ons
cashless Garagesˇ Across India
Car Insurance Reviews & Ratings
4.4 Stars
Our customers have rated us
HARDIK RAJESHKUMAR AGRAWAL
PRIVATE CAR COMPREHENSIVE POLICY31 July 2024
VADODARA
SURAJ KUMAR
PRIVATE CAR LIABILITY ONLY30 July 2024
JAMMU
TAKHI SHAKEEL MOULAVI
PRIVATE CAR PACKAGE POLICY BUNDLED25 July 2024
SOLAPUR
AJAY KUMAR KAUL
PRIVATE CAR PACKAGE POLICY BUNDLED19 July 2024
FARIDABAD
CHHAGAN LAL
PRIVATE CAR COMPREHENSIVE POLICY12 July 2024
DAHOD
VIKRAMADITYA RAI
PRIVATE CAR PACKAGE POLICY BUNDLED14 June 2024
VARANASI
N S KUMAR NA
PRIVATE CAR COMPREHENSIVE POLICY14 June 2024
CHENNAI
VIJAY SHANKAR MENON
PRIVATE CAR25 May 2024
COIMBATORE
TUMULURI RAVI KUMAR
PRIVATE CAR COMPREHENSIVE POLICY21 May 2024
BENGALURU
MOHIT VERMA
PRIVATE CAR POLICY14 May 2024
GHAZIABAD
EMME SALOMI
PRIVATE CAR10 May 2024
MEDAK
FARHAN NAZIR
PRIVATE CAR POLICY29 April 2024
PULWAMA
MADAPARTHI NARENDRA
PRIVATE CAR POLICY20 April 2024
VIDAVALUR
TARESHKUMAR SHAMBHUBHAI PATEL
PRIVATE CAR POLICY18 April 2024
AHMEDABAD
BOBBY KOLATHU JOSEPH
PRIVATE CAR7 April 2024
PALAKKAD
VISHNU PRIYA JONNAGADDALA
PRIVATE CAR POLICY1 April 2024
HYDERABAD
MANISH JOLLY
PRIVATE CAR COMPREHENSIVE POLICY25 February 2024
GURGAON
BELINDA J MATHIAS
PRIVATE CAR COMPREHENSIVE POLICY23 February 2024
NORTH GOA
OMKARSING DEVCHAND DHAVLIYA
PRIVATE CAR PACKAGE POLICY BUNDLED19 February 2024
JALNA
CHANDRASHEKHARA
PRIVATE CAR PACKAGE POLICY BUNDLED03 February 2024
UDUPI
Car Insurance FAQs
Step 1- Visit the HDFC ERGO website and select the option to download an e-copy of your policy.
Step 2 - Enter your policy number and registered mobile number. An OTP will be sent to that number for verification.
Step 3 - Enter the OTP and provide your registered email ID.
Step 4 - A copy of your car insurance policy will be sent to your mail ID in PDF format. You can then download the policy and print it.
You can use the printout of the soft copy as the original document. "
• RC book
• Driving license
• Policy number along with policy copy
At the time of an accident, take down the number of the other car involved and try to take sufficient pictures and Video of the accident spot with the vehicle and objects involved. This step will help you to explain the incident while claiming and also in case you want to file an FIR in the police station.
Once you have taken these initial steps, just relax, take it easy and give a call on the HDFC ERGO Customer Care number-18002700700or simply log on to WWW.HDFCERGO.COM to register your claim. Post claim Intimation you will receive the Claim Number via SMS and in case of Call Center Intimation the executive on call will provide you with the reference claim number. In the event of theft of the insured vehicle, the company will hire a private investigator to track the same and for this purpose all associated documents will be collected from the police. In this case, the claim settlement process may take up to 60 days.
Zero Depreciation insurance means that despite the value of your car going down with time, you get complete coverage on expenses incurred in case of damage. Have a relevant zero dep car insurance plan, or simply top up your comprehensive car insurance plan with the bumper-to-bumper HDFC ERGO add-on!
In premium-bearing endorsement, you have to pay an additional premium. For example, transfer of ownership, addition of LPG/ CNG kit, change of RTO location, etc. On the other hand, if you opt for non-premium bearing endorsement, no additional premium is charged. For example, change in contact details, correction in engine/ chassis number, addition of hypothecation, etc.
• Financial loss in case of accidents-Accidents can happen anytime and anywhere which may amount to a huge sum as your car insurance has expired. To repair the damages, you will have to break your savings and pay for it as your car insurance has already expired.
● Loss of Insurance Protection–Car Insurance policy provides you wide coverages, which can protect you in case of any car related emergency. If you allow your insurance policy to expire, you risk losing the benefits of the insurance cover and you might have to pay from your own pocket for the repairs before buying a new car insurance policy.
● Driving with Expired Insurance is Illegal - Driving without valid car insurance is a criminal offence in India under the Motor Vehicles Act and can attract a penalty of up to Rs. 2000 or imprisonment for up to 3 months. Now, that’s unwanted trouble you are inviting upon you.
Option 1: Insurance Information Bureau
One way to check the status of your insurance policy online is through the website of IIB (Insurance Information Bureau). The steps to do this are as follows:
• STEP 1: Visit the IIB website.
• STEP 2: Enter the details of your vehicle.
• STEP 3: Click the “SUBMIT” button.
• STEP 4: View the policy details.
• STEP 5: If you are unable to view any information, try to search by the vehicle engine number or the vehicle chassis number.
Option 2: VAHAN E-services
The alternative to IIB when checking the status of your car insurance policy is to check through VAHAN e-services. Here are the steps to do so:
• STEP 1: Visit the VAHAN e-services web page.
• STEP 2: Click on “Know Your Vehicle”.
• STEP 3: Enter the vehicle registration number, as well as the verification code.
• STEP 4: Click on the “Search Vehicle” button.
• STEP 5: View the insurance expiry date and other vehicle details.
Third party liabilities
If your car is involved in an accident that results in damage or loss to the property of any third parties, it is covered under the car insurance. Furthermore, if you face any legal liabilities in case of any bodily injury or death of a third party, your car insurance protects you against the same.
No claim bonus
One of the major advantages of having car insurance is the no claim bonus (NCB). Customer is eligible for this benefit for every claim-free year. This may be available as a discount on the premium, which makes car insurance even more affordable.
Damage or loss to insured vehicle
In case your vehicle is damaged due to an accident, fire, or self ignition, you are protected. Furthermore, if the car suffers losses due to burglary or theft, strikes, riots, or terrorism, your insurance policy covers these. Another benefit of car insurance is that it covers loss or damage while in transit by rail, inland waterways, air, road, or lift.
Personal accident cover
Another advantage of car insurance is that it offers personal accident cover for a pre-determined amount. Personal Accident cover provides protection against permanent total disability, Death due to an accident. Furthermore, this cover can be taken for other passengers on unnamed basis (maximum as per the vehicle’s seating capacity) for a pre-determined amount under the car insurance policy.
1. Visit Our Website–Visit HDFC ERGO car insurance page https://hdfcergo.com/car-insurance.
2. Select Appropriate Category–
a. If you are an existing customer, please enter your policy number to continue,
b. If you are a new customer, please enter your car details and follow the steps to buy a new policy.
3. Verify Your Details - Enter your name, email ID, mobile number, vehicle details, and city.
4. Select Expiry Details -Click on the appropriate time frame for your expired car insurance.
5. View Quote - You will get the best quote for your car insurance.
Your Car Insurance is just a few steps away!
Premium starting
at Just ₹2094*8000+
cashless GaragesˇOvernight Car
Repair Services
