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Motor Insurance

Stay secure on the road with HDFC ERGO Motor Insurance that covers your vehicle against damages, theft and third party liabilities and comes with personal accident cover as well. Avail cashless claim services at over 3400+ authorized garages across the country with our motor insurance policies. There are different vehicle insurance online plans which give you optimum coverage at the most competitive premiums.

You can instantly purchase a HDFC ERGO motor insurance policy online, avail the benefit of calculating premium and choose the motor insurance plan that would best suit your vehicle type.

HDFC ERGO majorly offers three types of Motor Insurance Plans: - Private Car Insurance, Two Wheeler Insurance and Commercial Vehicle Insurance

  • Private Car Insurance

    Private Car Insurance

    Get optimum cover for your private car to safeguard against third party liability, accidents and damages to the vehicle caused due to various factors including strikes, fire, natural calamities and more. Know More

  • Two Wheeler Insurance

    Two-wheeler Insurance

    Giving you comprehensive coverage and complete accountability, this motor insurance policy has been specially designed to keep your two-wheeler secure against damage caused by natural and man-made calamities such as terrorist attacks, strikes, theft and more.Know More

  • Commercial Vehicle Insurance

    Commercial Vehicle Insurance

    This motor insurance policy safeguards your financial liabilities while your commercial vehicles stand damaged and to ensure that your business keeps going.Know More

The statistics of road accidents in India is alarming. Even an experienced driver is not impervious to the perils of driving. A motor insurance not only covers personal damages, but also the costs arising from damages to third party. Vehicles are among the heaviest investments of an individual. For a fixed amount of premium, a vehicle insurance will mitigate all financial risks that could arise from operating your vehicle.

Benefits of buying Motor Insurance Policy from HDFC ERGO

  • Estimate approval in 24 hours of vehicle reaching garage.
  • Purchase motor insurance online for added convenience.
  • Toll-free help line for any motor insurance policy queries and claims intimation.
  • Fair and transparent claim settlement policies.

HDFCERGO Motor Insurance policy cover

  • Own damage to the vehicle caused by:
    • Accident external means
    • Burglary, housebreaking or theft
    • Fire, explosion, self-ignition, lighting
    • Terrorism, riots, strike or malicious act
    • Transit by road, rail, inland waterway, lift
    • Earthquake, flood, storm, landslide, rockslide
    • NCB and NCB Protection
    • Emergency Assistance
    • 0% depreciation
  • *Personal accident cover: - Which covers the cost of medical treatments of the passengers in the vehicle in the event of an accident.
  • Third Party Legal Liability:
    • Accidental death or injury to any third party
    • Any damage to property owned by third party

Motor Insurance Policy excludes

  • General aging, wear and tear
  • Damage by a person driving without a valid license
  • Mechanical or electrical breakdown, failure
  • Damage by a person driving under the influence of liquor or drugs
  • Depreciation, any consequential loss
  • Loss/damage attributable to war, mutiny, nuclear risks
  • Damage to tyres and tubes, unless damaged during an accident
  • Loss/damage outside India
  • Damage to a vehicle given on rent/hire basis

File Online Motor Insurance Claim

We at HDFC ERGO strive to make the claim procedure as smooth as possible. We have an in-house TPA making the motor insurance claims settlement process faster. As our customer, you can avail two modes of claim intimation:-

  • HDFC mobile app
  • 24 Hour Toll free number

*Available only in private car

Motor Insurance FAQ's

1. Why do I need to insure my vehicle?

2. What are the different types of vehicles that can be insured online at HDFC ERGO?

3. What are the benefits of buying a motor insuranceonline?

4. What will be the premium for my vehicle?

5. When should I renew my motor insurance policy and why?