Motor Insurance | Buy or Renew Motor Insurance Policy Online | HDFC ERGO

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Motor Insurance- Car

Secure your brand new car in a blanket of coverage. We offer long-term protection to your car. Be it your car's own damage, third party liabilities, and personal accident too.

Motor Insurance-2 Wheeler

This insurance protects your ride totally. It covers damage caused to your vehicle due to theft, accident or calamity and get coverage for third party liability as well.

Motor Insurance-Commercial Vehicle

While moving goods or passengers across the country, a financial loss can interrupt the journey. For a smooth business, get the vehicle secured!

How to Buy Motor Insurance Plan

Visit Our Website Https://Www.Hdfcergo.Com/Motor-Insurance.

Enter the Registration Number Of Your Vehicle.

Select Your Motor Manufacturer

Select the Model Of Motor

Select the Variant

Select the Year Of Registration

Select the City Of Registration

Select the Policy Type

Select the NCB

Make the Payment On The Link Sent To You

Your Motor Insurance Policy Is Mailed To You

Why HDFC ERGO?

Secured Over 1 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.

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 hassle-free claim experience. We ensure to be your constant support system in times of need.

Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.

Why HDFC ERGO?

Transparency at its best

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

Why HDFC ERGO?

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY: 18-19.

Why HDFC ERGO?

Secured Over 1 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.

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.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.

Transparency at its best

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

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY:18-19.

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Our customers have rated us with 4.4/5 Stars

1,58,678 Reviews

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The service executive person is very nice gentleman he understood the problem of customer. I am overall all happy with the response .

Dr Syed Zakaullah

Private Car Comprehensive Policy

The HDFC representative was efficient with his work and my work was done swiftly.

Aarti Rawat

Private Car Comprehensive Policy

Best service provided.. I appreciate it and thank you very much team...

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

Overall experience with u is very excellent. Thanks for early claim settlement

Prashant Bhimrao Patil

Private Car Comprehensive Policy

Excellent work done by the team. Continue the good work

Gopalakrishnan M

Private Car Comprehensive Policy

Awesome Experience... Surveyor nature is very good...

Ankur Jain

Private Car Comprehensive Policy

FAQs on Motor Insurance

1. Why do I need to insure my vehicle?

Your vehicle is probably one of the most expensive things you own. Insurance protects this asset and helps you cope with the financial loss caused by accidents, damage or theft. Another reason is that while driving, you are responsible for the safety of:

Your passengers
Your fellow drivers
Other people's property
Pedestrians
Yourself

Insurance helps cover the costs of potential damages or injuries in case of an unforeseen accident or theft. Above all, in India it is mandatory to have at least a Third Party Motor Insurance before you can drive on the roads.

2. Can I renew my motor insurance policy online?

Yes, you can renew your policy online, starting 45days before the expiry of your existing policy. In case your vehicle insurance policy has already expired, our authorized surveyor will inspect the vehicle, before policy issuance. The policy would only be issued subject to a satisfactory inspection and submission or required documents.

3. What are the benefits of buying Motor Insurance policy online?

When you buy Motor Insurance online, you get an instant policy, as there is no documentation or paperwork involved. In addition, you have the advantage of choosing from multiple payment options e.g. Credit Card (Visa, Master Amex card), Net banking, Debit Card etc.

4. What is an endorsement in an motor insurance plan?

An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy. Additional premium can be charged as applicable.

5. What is No Claim Bonus (NCB)?

No Claim Bonus (NCB) is a discount on premium of the Own Damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period. The NCB can be accumulated up to a maximum limit of 50% on OD premium.

You can transfer the full benefits of NCB, even when you shift your motor insurance to HDFC ERGO from any other Insurance company.

No claim made or pending during the preceding	% Of Discount On Own Damage Premium
1 Full year of insurance	20%
2 consecutive years of insurance	25%
3 consecutive years of insurance	35%
4 consecutive years of insurance	45%
5 consecutive years of insurance	50%

6. Is my No Claim Bonus (NCB) transferable?

Yes, in case you are the customer of HDFC ERGO, or are switching/changing to HDFC ERGO from any other insurance company, and have accrued some NCB from your previous insurer, you can get the same transferred provided the vehicle is insured within 90 days of your renewal due date. The same applies if you switch/change from HDFC ERGO to other insurance company.

7. What are the events covered in HDFC ERGO Motor Insurance policy for claim?

Our Motor Insurance policy is a comprehensive vehicle insurance cover, which offers you:

Any Loss or damage to your vehicle
Third Party Liability
Any permanent injury / death to a person caused by your insured vehicle
Any damage caused to the property other than property belonging to the insured or held in trust or in custody or control of insured by your vehicle
A Personal Accident Cover for the owner-driver of the vehicle while he is driving

In case of loss or damage to the vehicle or the accessories insured, the Company covers the insured if the accident occurs due to the following hazards:

Fire, explosion, self-ignition or lightning
Burglary, housebreaking or theft
Riot and strike
Earthquake (fire and shock damage)
Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
Accident by external means
Malicious act
Terrorist activity
Whilst in transit by road, rail, inland-waterway, lift, elevator or air
Landslide and rockslide

8. What are the types of events or losses not covered under motor insurance policy?

The following events or losses are not covered in this policy:

Mechanical/ Electrical breakdown
Wear and tear, ageing of vehicle
Consequential loss*
Depreciation
Deliberate accidental loss
Intoxicated driving
Any contractual liability
Damage to/ by a person driving any vehicles or cars without a valid license

9. What is Third Party Liability cover under motor insurance plan? Is it covered?

Third Party Liability insurance covers losses to a third person who is not a party to the insurance contract. The Motor Third Party insurance covers the following losses:

Any permanent injury / death to a person caused by your insured vehicle
Any damage caused to the property (excluding vehicle) of some other individual by your insured vehicle

Liability is covered for an unlimited amount in respect of death or injury. Any damage to third party property is covered up to `7.5 Lakhs in case of Private Car and `1 Lakh in case of Two-wheeler.

10. Will I get a Personal Accident cover if the vehicle is registered under someone else's name, but is driven by me and the premium is also paid by me?

The policy essentially contains a Personal accident cover for the owner-driver, as per tariff. In case of un-named driver, the personal accident cover has to be purchased separately by paying an additional premium.

11. How is the value of the vehicle (IDV - Insured Declare Value) determined in a motor insurance policy?

The IDV of the vehicle is to be fixed based on the manufacturer's listed selling price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation.

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. The schedule of depreciation for arriving at IDV is as below:

Schedule of Depreciation for arriving at IDV

Age Of The Vehicle	% Of Depreciation 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%

Why should you buy/renew car insurance before 31st March 2019 ?

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Various Add-on Covers for Your Car Insurance Policy

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Review of HDFC ERGO Car Insurance Plans

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How Will Car Modification Affect Your Insurance Policy?

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How Does Insurance Policy Change When You Sell Your Car?

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Why should you buy/renew car insurance before 31st March 2019 ?

Read full story

Why You Should Not Miss Your Car Insurance Renewal Date?

Read full story

Various Add-on Covers for Your Car Insurance Policy

Read full story

Review of HDFC ERGO Car Insurance Plans

Read full story

How Will Car Modification Affect Your Insurance Policy?

Read full story

How Does Insurance Policy Change When You Sell Your Car?

Read full stroy

Awards & Recognition

Best Insurance Company in Private Sector - General 2014

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