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Home / Motor Insurance / Car Insurance

Car Insurance

Car Insurance

A car insurance policy safeguards loss of expense due to vehicular damage from unforeseen events. This includes natural disasters and man-made disasters. Natural calamities like earthquake and floods can cause irreversible damage to your car. Therefore, it is wise to have a car insurance policy. As a driver, no matter how responsibly you drive, there is a possibility of an accident due to external factors like bad road conditions, poor traffic management, etc. With a car insurance policy, you can safeguard against loss of expense due to any such event. It is also important to note that driving a vehicle without valid third party car insurance can land you paying heavy fines to RTO. Therefore, securing your vehicle by buying or renewing car insurance online is advisable.

However, buying a comprehensive car insurance policy is advisable for complete vehicle protection. You can also customize your comprehensive car insurance policy by opting for add-on covers like emergency roadside assistance, zero depreciation, no claim bonus protection, engine gearbox protection and many more. You can also choose add-on covers for electric vehicles, which include protection for your battery charger and accessories, coverage for electric motors, etc. Make an informed decision by opting for a stand-alone own-damage cover, third-party cover or comprehensive insurance cover and ensure you buy/renew car insurance without much delay. HDFC ERGO offers the best car insurance policies with affordable premiums and has a network of 6700+ cashless garagesˇ

The Future is EV Smart with HDFC ERGO EV Add-Ons

Electric Vehicle Add-ons for Car Insurance

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.

Did you know
All Set to Buy A Car Insurance Plan with EV add-ons for your Electric Vehicle?
It will just take a few minutes!

Types of Car Insurance Plans

  • single Comprehensive Car Insurance
    Comprehensive Car Insurance
  • third-party

    Third Party Car insurance

  • new Standalone Own Damage Cover

    Standalone Own Damage Cover

  • stand New Car Insurance

    COVER FOR BRAND NEW CAR

single Comprehensive Car Insurance
Comprehensive Car Insurance

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.

X
Suitable for car lovers seeking all rounded protection, this plan covers:
accidents

Accident

Personal accident cover

Natural calamities

Third party liability

Choice of add-ons

Theft

Theft

EXPLORE MORE

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

Physical Injury

You accidently injured a third person while driving your car? Don’t fret; we cover for the medical expenses
Death of an Individual

Death of an Individual

If an individual seems to die because of an accident involving your car, we cover for the financial loss.
Damage to the Property

Damage to the Property

Property damages suffered by a third party due to your car, are covered under this plan.

Apart from covering your vehicle against third party liabilities, a comprehensive car insurance policy provides coverage for the following -

accidental cover

Accidents

Suffered an accident that damaged your car? Don’t worry; the damages would be covered under our car insurance plans.
Fire and Explosion

Fire and Explosion

If your car catches fire or explodes, the damages suffered would be covered by us.
Theft

Theft

Why worry about the theft or loss of your car when we are here to secure you against it. Get compensated for the financial loss suffered if you lose your car to theft.
Natural Calamities

Natural/Man-made Calamities

A comprehensive car insurance policy will cover damages from natural disasters and man-made perils like riots and strikes.
In-transit Damage

In-transit Damage

Suppose your car gets damaged during transportation. Our comprehensive car insurance policy would cover the said damages.
Personal Accident Cover

Personal Accident Cover

IIf you suffer from an injury in an accident involving your insured car, your car insurance policy will provide coverage for the same.

Compare and Select the Best Car Insurance Policy

Star  80% CUSTOMERS
CHOOSE THIS
Covers under
Car Insurance
Comprehensive
Cover
Third Party
Liability Only Cover
Damage due to natural calamities – Earthquake, cyclone, floods etc.IncludedExcluded
Damage due to events like – Fire, theft, vandalism etc.IncludedExcluded
Choice of add-ons – Zero depreciation, NCB protect etc.Included Excluded
Customization of car valueIncludedExcluded
Personal accident cover of Rs. 15 Lakhs~*IncludedIncluded
Damage to third party vehicle/ propertyIncluded Included
Injury to a third party personIncludedIncluded
No hefty fines levied if valid third party car insurance policy in placeIncludedIncluded

 

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Did you know
Keep your wipers from freezing to your windshield by covering them with a couple of old socks.

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 –

Boost your coverage
Zero Depreciation Cover in Car Insurance

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.

No Claim Bonus in Car Insurance

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.

Emergency Assistance Cover in Car Insurance

Our car insurance policy will offer round-the-clock assistance to deal with any mechanical breakdown issues of your vehicle.

Cost of Consumables cover in car insurance

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 in car insurance

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.

Car Insurance Add On Coverage
Return to Invoice Cover in Car Insurance

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.

Engine and gearbox protector cover in car insurance

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.

Downtime protection cover in car insurance

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 - best car insurance in india

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 you 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.

Pay as You Drive Add on Cover

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

car-insurance-policy-online
Car Insurance claim process is a cakewalk with us on your side. All set to buy car insurance plan?

How to Calculate Car Insurance Premium

While buying or renewing a car insurance policy, it is necessary to know how its premium is calculated. Here’s a step-by-step guide for calculating your car insurance premium

  • Step 1: Visit the HDFC ERGO website and click on car insurance. On the top of the page, you can enter the vehicle registration number in the box and proceed by clicking on get a quote. You can even proceed without a car number or click on renew HDFC ERGO car insurance policy if your current policy with HDFC ERGO has expired.

  • Step 2: After clicking on get a quote or proceed without the car number, you will have to enter your car’s make and model.

  • Step 3:You must choose between a third party car insurance and a comprehensive car insurance plan

  • Step 4: Give details about your last insurance policy- Date of Expiry, No Claim Bonus Earned and Claims Made. Enter your mobile number and email ID.

  • Step 5: You can now view your car insurance premium. If you have chosen a comprehensive plan, you can customise your plan further by selecting add-ons like zero depreciation, emergency assistance, return to invoice and more.

Calculating car insurance premium at the HDFC ERGO website is smooth and easy. You can also use our car insurance premium calculator for your convenience.

Factors that Affect Car Insurance Premium

1

Age of the vehicle

As your car gets older, your premium amount increases because an older car is more prone to wear and tear. Opting for a Zero Depreciation cover with your insurance plan will help reduce your premium marginally.
2

IDV (Insured Declared
Value) of the vehicle

The current value per the market rate is your IDV, and the higher the IDV higher the premium. What can help is increasing the voluntary deductible amount or, in more straightforward language, increasing the amount you shell out in case of a claim. At the same time, the rest is taken care of by the insurer, which significantly reduces the premium amount.
3

Your geographical location

Where you reside and park, your car is also a factor that affects your car insurance premium. If you live in a region prone to vandalism or theft, your premium amount may be on the higher side to offset any potential losses.
4

Your car model

Your premium will vary based on how expensive your car is. More expensive cars with a higher engine capacity (exceeding 1500cc) will have higher premiums like luxury sedans and SUVs. In comparison, base car models with lower engine capacity (below 1500cc) will have lower premiums.
5

Fuel type

Insurance premium for cars that run on Diesel and CNG is more than the premium for cars running on petrol. You can easily find out the premium amount for your car and its fuel type while buying car insurance online.

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:

1

Buy Pay as You Drive Cover

In pay as you drive insurance cover, the insurer will offer benefits to the insured person at the end of the policy period if the policyholder has driven his/her vehicle less than 10,000 km. The benefits will be based on total kilometres driven during the policy tenure. However, the coverage offered in pay as you drive will be similar to regular car insurance policy.
2

Buy No Claim Bonus Protection Add on Cover

No claim bonus (NCB) protection add on cover will ensure that you do not lose out on any NCB benefit despite making claim during the policy period. With this add-on cover, you can raise two claims in a policy year without losing the accumulated NCB.
3

Avoid Raising Car Insurance Claims

It is wise to avoid raising claims for minor damages. For instance, if there is minor damage to the vehicle due to an accident, then it is better to pay for the expenses by your own. On paying expenses from your own pocket, you will be able to maintain your NCB benefit and thus get discounts on car insurance premium.
4

Install Safety Devices

By installing safety devices in your vehicle you can get your car insurance premium reduced. Insurer considers vehicle with anti-theft devices and anti-lock systems with lesser risk and thereby set lower amount for premium as compared to other instances.
5

Choose the Adequate Coverage

If you want to save on car insurance premium, it is important that you analyze your coverage needs. Therefore, choose add-on cover which suits your vehicle requirement and avoid buying unnecessary cover, by this you will save on car insurance premium.

What factors impact Insured Declared Value (IDV) in Car Insurance

1

Car type

The car value depends upon its type. There are three types of cars available in the market – hatchback, sedan, and SUV (Sports Utility Vehicle). A hatchback car is usually cheaper as compared to sedans or SUVs. Thus, the IDV would vary accordingly.
2

Model of the car

Same type of cars but different car models can have different IDVs. This depends upon the brand i.e. manufacturer and the features offered on a certain model of car.
3

Purchase location

A minor cost difference can be observed depending upon the location from where the car was purchased. For example, the showroom price of the same car model can be different in Mumbai and Delhi.
4

Depreciation

The reduction in the monetary value of a car due to age is known as depreciation. As a car gets older, its depreciation also increases. For example, two cars of the same model will have different IDVs because they were manufactured in different years.
5

Accessories

The depreciation of accessories is also calculated while calculating the amount of IDV. Thus, its value will change depending on the age and working condition of additional accessories.

Why Should You Buy HDFC ERGO's Car Insurance Policy

Easy on your pocket

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

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 6700+ 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

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

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

A Growing family of happy customers

With over 1.5Crore+ 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!

Things to Keep in Mind before Buying Car Insurance Online

Though buying car insurance online is simple. You should keep certain aspects in mind while buying a car insurance policy.

Types of car insurance policy

The type of policy

Firstly, you should select the type of policy that you need for your car. A comprehensive policy proves to be the best car insurance plan. It is always recommended given the wide scope of coverage that it offers. However, if your car is very old, you can opt for third party insurance to fulfil the legal mandate of driving your car.

Insured Declared Value

Insured Declared Value

The Insured Declared Value of the car is the market value less the depreciation based on the car’s age. The IDV also represents the maximum coverage liability that the insurer undertakes. In case of a total loss to the vehicle due to an insured peril, the maximum claim amount would be the IDV of the policy. So, when buying the best car insurance plan, keep a lookout for the IDV. Choose an IDV that matches the market value of your car so that the claim is higher.

car insurance add on cover

The add-ons needed

With comprehensive car insurance plans, you can opt for different add ons. Choosing the most suitable ones would help in availing complete coverage. For instance, a zero depreciation add on is a must for cars aged up to 5 years old. This add on helps get an entire claim as the insurer does not deduct depreciation value during the final settlement. So, assess the add ons available and choose the most suitable ones. Remember, adding each add on involves an additional premium.

The premium v/s the coverage offered

The premium v/s the coverage offered

Always compare the best car insurance policy on their premiums vis-à-vis their coverage. A plan offering a comprehensive scope of coverage at the lowest rate of premium would be the best, just like HDFC ERGO’s car insurance policy. Hence, it is wise to always compare the car insurance price with the coverage offered.

Claim Settlement Ratio of the insurer

Claim Settlement Ratio of the insurer

The Claim Settlement Ratio (CSR) indicates the percentage of claims that an insurance company settles in a financial year. The higher the CSR the better is the company in terms of claim settlement. So, compare the CSR and choose an insurer that has a high CSR.

Network of cashless garages in India

Network of cashless garages in India

The network of cashless garages is a crucial parameter to increase the probability of availing of cashless settlement of claims. If the company has a vast network of cashless garages, you can quickly locate one. You can repair your car here without paying for the costs yourself. So, look for an insurer with a vast network of cashless garages. For example, the HDFC ERGO car insurance policy comes with more than 6700+ ˇ cashless garages across India to service your car.

car insurance claim settlement process

The claim settlement process

The claim settlement process should be checked to understand how long would it take for your claims to get settled. The best car insurance policy is where the claim settlement process is simple and hassle-free. For instance, the HDFC ERGO car insurance policy offers Over Night Vehicle Repairs¯, where you don’t have to wait long for your vehicle to get repaired..

Did you know
One of the best ways to fix chipped paint on your car is
with nail polish.

Benefits of Buying Car Insurance Online

Thanks to the technological advancement and the accessibility of the internet, buying a car insurance policy has gone digital. You can buy car insurance online through HDFC ERGO’s website and get the policy issued instantly. Here are some of the benefits of buying online car insurance –

1

Get instant quotes

With our car insurance calculators, you get instant premium quotes on the car insurance policy. Just enter your car’s details and voila, the premium would be displayed, both inclusive and exclusive of taxes. You can also opt for add-ons with your comprehensive policy and get the updated premium instantly.
2

Quick issuance

Online car insurance plans are issued within minutes. While buying car insurance online, you must fill out an online application form. In this, you must provide the car details, choose between comprehensive insurance and third party insurance. Then, finally, pay the car insurance premium. No waiting for hours, days or weeks as the policy is just some clicks away.
3

Seamlessness and transparency

HDFC ERGO’s car buying process are seamless and transparent. You just need to follow some simple steps to buy online car insurance plans and there are no hidden charges. What you see is what you pay.
4

Payment reminders

We believe in offering timely post-sale services so that your car insurance policy does not lapse.As such, after you buy car insurance online. You get a regualar reminder to renew car insurance online from our end. This ensures that you enjoy uninterrupted coverage and do not violate traffic rules by having a valid third party car insurance policy.
5

Minimal paperwork

Buying online does not require too many documents. You just need to upload your car’s registration forms and details and your KYC documents when you buy the policy for the first time. Thereafter, you can opt for car insurance renewal or port your plan without the need of any paperwork.
6

Prompt customer service

HDFC ERGO provides 24*7 customer service to its customers because we know that you might face queries or confusion when buying online car insurance. So, you can get in touch with us and our experts would help you buy the right plan.
7

Instant Coverage

With the online medium, you get coverage instantly. You can, thus, take your car out for a spin without waiting days for policy issuance. As soon as the premium is paid, the coverage becomes active and your car gets insured.
8

Convenience

Lastly, buying online car insurance is convenient and easy. You don’t have to visit our branches or wait for an agent to get in touch with you. You can visit the HDFC ERGO website and choose the suitable car insurance policy. Also, enjoy the flexibility of buying car insurance online at any hour of the day and from anywhere.
9

Control over coverage

When you buy car insurance online, you buy the policy directly from us. Thus, you have complete control over the coverage you need without anyone’s interference or influence. You can avoid misleading intermediaries and know what you are buying.

How to Buy/Renew Car Insurance Online

To buy a new car insurance policy online

1. Visit your insurance provider’s website fill in the details, including your car registration number, mobile number and email address.

2. Enter the policy details and the add-on to the cover you would like to opt for.

3. Complete the process by paying the premium amount via online payment.

A confirmation mail along with the policy will be mailed to you.

To renew existing car insurance policy online

1. Visit the insurance provider website and select renew the policy.

2. Enter the details, include/ exclude the add on covers and complete the journey by paying the premium online.

3. The renewed policy will be mailed to your registered email id.

How to Buy 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:

1

Car Usage and its Age

We all are aware that there are two type of car insurances; Third Party and comprehensive car insurance. In general, it is wise to choose comprehensive car insurance policy for maximum benefits. However, you could go for a third party insurance if you are going to use your car less frequently or going to discard it soon.
2

IDV (Insured Declared Value)

The IDV is the market value of your car. Since your car is old, the IDV too would be on lower side. Depending on how old your vehicle is, choose your IDV wisely. The IDV directly affects your premium. While the premium will be low, the sum insured too would be low at the time of a claim.
3

Add-ons

Add-on covers can be purchased along with comprehensive car insurance cover and stand alone own damage car insurance policy. However, choose add on cover which is required for your old car. For E.g., Buying a zero depreciation add on cover will not be ideal for car which is more than seven years old.

How to Buy/Renew Car Insurance for an Old Car

renew car insurance

Car insurance always provides peace of mind. Therefore, continually investing in a proper car insurance plan is advisable.

According to the Indian Motor Vehicle Act of 1988, every vehicle owner must have valid third party car insurance policy to drive on Indian roads. Driving without a valid third party car insurance policy can lead to heavy penalties and a driver’s license suspension.

One can easily purchase a Comprehensive car insurance policy covering the vehicle from any natural or artificial disaster. It also protects you financially from third party liability in case of damage to other vehicles or property.

 What are the Benefits of Renewing Car Insurance Online

Just like buying an online car insurance policy is a breeze, renewing is too. You can renew the policy online in simple steps. Here are some of the benefits that you can enjoy with online car insurance renewals –

Quick and convenient

Quick and convenient

Online car insurance renewals are quick and convenient. You just have to enter your existing policy number and you can check the coverage details. Calculate and pay the car insurance renewal premium digitally and the policy is renewed, just like that. No need to visit the insurer’s branch or look for an agent. You can renew anytime of the day and even on the go.
Get deals and discounts

Get deals and discounts

If you renew your car insurance online on time, you can use the available no-claim bonus to seek a premium discount. Moreover, you can use the different types of discounts offered by insurers to reduce the car insurance renewal premium.
Zero paperwork

Zero paperwork

Online car insurance renewals do not require paperwork. You can simply renew the policy with your policy number provided the coverage has not lapsed. Pay the renewal premium and the renewal would be done.
Instant coverage

Instant coverage

Online renewals mean that you don’t have to wait for hours to get coverage for your beloved car. As soon as you pay the car insurance premium to the insurer, the policy renews, and the coverage begins.
Port to a better plan

Port to a better plan

When renewing your car insurance policy, you can switch insurers if you find a better deal with another policy. You can port your existing car insurance policy to HDFC ERGO’s attractive plan. We offer comprehensive coverage at affordable premium rates.
Enjoy uninterrupted coverage

Enjoy uninterrupted coverage

Online car insurance renewals are smooth and easy, so you can renew within the due date and avoid the policy from being lapsed. Moreover, when the coverage is undisturbed, you can also claim an enhanced no claim bonus after each successive claim-free year.

Why should you Renew Expired Car Insurance

Every policyholder should ensure that they immediately renew their car insurance policy if it has been expired, to avoid legal complications. As per the Motor Vehicles Act of 1988, it is illegal to drive a vehicle without a valid third party insurance cover. Apart from this, if you do not renew your car insurance within 90 days after its expiry date, you will lose out on your no claims bonus benefit. In addition to this, if you do not renew expired car insurance, your vehicle will be uninsured and you may end up paying from your pocket in case your vehicle meets with an accident or gets damaged due to earthquake, floods, fire, etc.

How to Renew  Long-Term Car Insurance

You must buy a mandatory three-year third party policy if you have purchased a car after 1st September 2018. If your car insurance expiry is nearing, you can renew it now. Car insurance renewal with HDFC ERGO is easy. The policyholder will have to enter the policy number and begin the renewal process. If you wish to renew your car insurance policy with us, renew your car insurance policy and follow the steps for hassle-free renewal.

How to File a Car Insurance Claim

• Register the claim by calling the insurance company on its customer service number or through its website.

• After claim registration, the policyholder receives a claim registration number which can be used for future communications/references.

• The policyholder should take the damaged car to a network garage in case of cashless claims. If the insured takes the car to the garage of their choice, they will have to go for a reimbursement claim for repairs.

• Submit all the required documents with the surveyor.

• The car insurance company confirms its liability and initiates the claim process
Also Read : HDFC ERGO Car Insurance Claim Process?

Documents Required for Filing a Car Insurance Claim

Accident Claims

1. Registration Certificate (RC) Book copy

2. Driver's license copy of the individual driving the insured vehicle at the time of the incident.

3. FIR filed at the police station

4. Repair estimates from the garage

5. Know Your Customer (KYC) documents

6. If the accident has risen out of a mutinous act, strikes or riots, then filing an FIR is mandatory.

Theft Claims

1. RC Book copy and original keys to the vehicle

2. FIR filed at the police station as well as the final police report

3. RTO transfer papers

4. KYC Documents

5. Letter of Indemnity and Subrogation

How fast are HDFC ERGO Car Insurance Claims Settled

The claim settlement can take up to 30 days if it was a major accident and the repair costs are more than 75% of the insured amount.
In case of theft of the insured vehicle, the company will appoint 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.

Car Insurance Terms You Need To Know About

  • 1. Driving License 
    A Driving Licence is a legal document that authorises you to drive your vehicle on the Indian roads. There are different types of driving licenses issued by the different RTO (Regional Transport office) which validates one to drive a two wheeler, four wheeler or a commercial vehicle on the Indian roads. You need to follow basic driving rules and traffic regulations and clear a driving test to get a valid licence

  • 2. RTO
     The Regional Transport Office or the RTO is the official government body which registers all vehicles in the Indian subcontinent as well as issues driving licences. In fact, the officials of the RTO are responsible for the upkeep of the database of all registered vehicles plying in India and the record for all valid driving licences.

  • 3. Third Party Liability Coverage
     The third party only motor insurance plan is a mandatory insurance policy that you need to drive your vehicle on the Indian roads. This plan provides coverage from all legal liabilities which could possibly arise out of any third party damages, such as person, property or vehicle due to any accident caused by the insured car. There is no limit for the coverage provided for the death of a third person or injury. However, the damage for a third party property and vehicle is limited to a maximum of Rs 7.5 lakhs. Thus, in order to ply your vehicle on the Indian roads, a third party motor insurance policy is compulsory. .

  • 4. Comprehensive Coverage
     Comprehensive motor insurance plans provide coverage for third party liabilities along with damages of your own vehicle as well. It is not mandatory but advisable to opt for a comprehensive plan rather than a third party-only insurance policy so that you do not have unwarranted out-of-pocket expenses to repair your own vehicle in case of any accidental damages. This plan provides coverage to your vehicle from any natural calamity such as fire, flood, etc. as well as all man-made calamity such as theft along with providing adequate coverage for damages due to road accidents. Thus, if you want complete protection of your vehicle, then you must opt for a comprehensive car insurance plan. In fact, you can enhance the plan’s coverage by opting for additional rider benefits as well.

  • 5. Car Insurance Premium
     "The amount of money that you need to pay to the insurer for insuring your vehicle against all the associated risks for the given tenure is called a Car Insurance Premium. This amount is determined on the basis of your car’s IDV (insured declared) value along with other aspects and is fixed for the given tenure for which it provides coverage against accidental damages.
    The premium amount varies on multiple factors such as make and model of your vehicle, the geographical location as well as the age of the car. It also depends on your driving experience and the amount of no-claim bonus that you would have accumulated over the years. Thus, it is a good idea to check the premium and its associated benefits before opting for the plan."

  • 6. Insured Declared Value
     The IDV or the Insured Declared Value of your car is a significant aspect for you to understand before opting for a car insurance plan. This is the maximum amount of money that the insurer would pay as a claim in case of a total damage or loss of the car in an accident or theft. All other claim amounts are calculated basis the IDV, i.e. as a percentage of the IDV when the damage is not considered a total or a complete damage. The IDV of the car depreciates every year along with the value of the vehicle and is calculated as per the standard depreciation table provided by the regulator. In case of a claim in the middle of the year, depreciation is calculated from the IDV of the car at the beginning of the policy year. Thus, it is important to take a note of the IDV at the time of renewing your car insurance plan so that it is at par with the car’s market value.

  • 7. Deductibles
     In motor insurance, deductibles are a part of the claim amount the insured person will have to pay during claim settlement. The insurer pays the rest of the claim amount. There are two types: voluntary and compulsory deductible. A compulsory deductible is an amount you must pay mandatorily whenever a claim is registered. On the other hand, a voluntary deductible is part of the claim amount the insured person willingly chooses to pay at the time of claim settlement to save money on car insurance renewal premiums.

  • 8. No Claim Bonus
    If you do not file for any claim in a particular policy year, the insurance company provides a discount in premium called a No-Claim Bonus or NCB. This is a discount provided for being a good driver and is an important factor at the time of calculating your car insurance premium. This reward is provided to the policyholder at the time of renewal. If you do not file a claim for 1 year, you can get 20% no-claim bonus and that can go upto a maximum of 50% in 5 consecutive claim-free years. Point to note is that No-Claim Bonus is provided to the policyholder, i.e. the car owner and the car. So, if you choose to sell your car, the NCB cannot be transferred to the new owner of the car. Instead, you can transfer the No-Claim Bonus of your old car to your new car as well.

  • 9. Cashless Garages
     A cashless garage is an authorised garage within the network of garages emplaned with the insurance company for settlement of cashless claim of the vehicle. So, if you wish to avail cashless claim for your car repair work, you need to visit a cashless garage. Here the survey would be done by the insurer and the payment for the approved repair work would be paid directly to the garage without your having to pay anything out of your own pocket, except for the deductibles and the non-authorised amount of the claim. Thus, cashless garages make claim settlement easy for any repair work done to your own vehicle.

  • 10. Add-on Covers
     Add-on covers are additional benefits that you can avail along with your comprehensive car insurance policy to enhance the overall benefits and extend the coverage of the car. There are multiple riders that can be added-on to your existing base car insurance policy such as zero depreciation coverage, engine and gear-box protection, return to invoice, NCB protection, emergency assistance, consumable cover, downtime protection, loss of personal belonging, etc. For each rider, you need to pay an additional premium amount along with your base premium to increase the overall coverage of the plan. So, you need to choose the add-ons as per your requirement at the time of purchasing and renewing your car insurance policy.

  • 11. Personal Accident Cover
    A personal accident policy is a fixed benefit insurance plan which pays a specific amount of money for an accidental damage to the insured person. The IRDAI has mandated a compulsory Personal Accident Policy of minimum Rs 15 lakhs for all owner/driver of an insured car to ply your vehicle on the Indian roads. It provides coverage against death, disability, dismemberment as well as accidental injuries. The personal accident coverage can be taken along with your car insurance policy as well.

6700+ cashless Garagesˇ Across India

Know What the Expert Speaks about Car Insurance Plans

Mukesh Kumar
Mukesh Kumar | Motor Insurance Expert | 30+ years of insurance industry experience
I recommend getting your car insured from HDFC ERGO, a brand serving more than 1.5Crore+ Happy Customer@ With Over Night Vehicle Repairs¯ and more than 6700+ cashless Garagesˇ, you can be assured of help in event of any damage to your vehicle. Also one should insure his/her vehicle and avoid getting heavily fined under the recently enacted Motor Vehicle Amendment Act 2019.

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My claim got settled within 24 hours. I was not expecting that my claim will get settled so soon. Thanks to your surveyor whose extra effort to expidite my claim settlement process. I will refer all my friends to buy car insurance from HDFC ERGO.
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I appreciate the prompt response from customer service representative and surveyor team. The way your surveyor resolved my query is commendable. I have three vehicles, and I will choose your company for buying car insurance policy. I will also recommend my friends to purchase car insurance from HDFC ERGO.
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I got a quick response from the HDFC ERGO Team for roadside safety assistance for a flat tyre. I appreciate everyone's help with the quick turnaround on this.
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Your customer executive was extraordinary – and knowledgeable. I appreciate the patience and polite nature of your customer care executive. I have retired recently after working 50 years in marketing, including 20 years as CEO of a Swiss company in Dubai. I can say that I have the best customer service experience with HDFC ERGO. God Bless HDFC ERGO!
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The response time to the query was rapid. Your team resolves issues promptly, saving lots of time usually spent on follow-ups. You guys are excellent at customer service.
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The constant updates and reminders from HDFC ERGO is excellent. With this the customer do not miss out on car insurance renewal.
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Your customer car executives are extremely helpful and knowledgeable. All my enquiries were handled smoothly and professionally. I wish all the very best to HDFC ERGO Team and thank them for resolving the issue.
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The executive who assisted me was extremely helpful and knowledgeable and handled all my enquiries smoothly and professionally. I wish him all the best in his career and thank the HDFC ERGO Team for addressing and resolving the issue.
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I am happy with the service of your claim team. Overall good experience with HDFC ERGO motor claim . All surveyor and claim assistent person are excellent in communication.
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I'm very happy with the features and benefits of the HDFC EGRO car insurance policy.
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I appreciate the outstanding insurance services your company has been providing. I am more than happy with the professionalism, promptness, and support I have received throughout my association with you. Your team's dedication to customer satisfaction truely stands out.
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I will recommend HDFC ERGO Insurance to my friends and relatives. Buying a new car insurance policy after shifting from another insurance company was a pleasant experience. I hope your after-sales service will turn out to be equally good in the coming year of policy continuity.
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All my claims are settled at the earliest. Thanks to your excellent teamwork and positive efforts for solving all my queries. I want to convey special thanks to your surveyors and managers.
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Your team has done an excellent job in settling my claim on time. I really appreciate your claim team's effort.
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Buying the car insurance policy from HDFC ERGO was the best experience I had till now for getting an insurance policy for my vehicle. I am very impressed by the customer care service team of HDFC ERGO. Your customer care executives are very cooperative and give a clear understanding of the policy. Apart from that, they guide you from start to end. Therefore, I am happy to choose HDFC ERGO to buy my vehicle's car insurance policy.
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The way your customer care executive managed the call was quite impressive. Keep up the good work!
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Car Insurance FAQs

Car insurance is a mandatory in India. Moreover, you need a protection shield for your priced possession so that any financial loss/damage is covered as a consequence of accident. In case of such incident you damage is taken care by the insurance company.
One of the biggest advantages of buying car insurance online is that it involves zero documentation and paperwork. You can also choose between multiple payment options.
Buying Car is a matter of few minutes. All you have to do is fill in the details and precede the payment. Your car insurance policy is sent to your email address instantly.
Yes, you need to valid third party car insurance policy for registration of your vehicle. Even a TP (third party) car insurance policy will also help in same at RTO.
Yes, both are same. The only difference is that in online, once the payment is done, we send you policy on your registered email address and residential address.
In case of a location change, the policy will remain more or less the same. However, the premium may change depending on the city you have shifted. It is because the insurance rates differ based on the registration zone of the car. Once you shift to the new location, you must update your new address, which you can do online by visiting the insurer's website.
The insurance policy has to be transferred from your name to the new owner. Supporting documents like sale deed/form 29/30/NOC of seller/NCB recovery amount are required for this. However, you can transfer the No Claim Bonus accumulated in your policy to your name which can be used for your new vehicle. You also have the option to cancel the existing policy at the time of selling.
You can get a copy of your car insurance policy online by going through the following steps:
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. "
You can pay the premium through a credit card, debit card, or a net banking facility. The premium has to be paid in a lump sum. The installment scheme is not available.
Yes. If you add an additional layer of protection, it will lower the risk for the insurer in case of a theft, and so, you will be rewarded with a discount.
Bumper to bumper insurance is an add on cover in car insurance that protects the vehicle's depreciation value. You can opt for this cover along with your comprehensive car insurance policy. With the help of this add on cover, you can get the complete claim amount from the insurer without deduction of the vehicular part depreciation.
If you have a car insurance policy with us, you can call on the HDFC ERGO Customer Care number-18002700700. Our call centre executives will help you modify or update your car insurance policy details.
During intimation to HDFC when filing for the claim, you must have the following 3 documents ready for reference:

• 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.
Most assets, like our cars, see wear and tear over a period of usage, leading to a dip in the total value of the asset. This is called depreciation. While raising a claim against vehicular damage, the insurer considers the depreciation value while making the final payout. It is, therefore, advisable to opt for a zero depreciation policy.

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!
It depends on the insurer. You may get it in a day or two, or the process can take a week.
Yes. Most car insurance companies in India offer decent discounts on the premium if the policyholder is a member of Automotive Research Association of India (ARAI).
Electrical accessories in a car usually include music system, ACs, lights, etc. The non-electrical accessories are the interior fittings in the car, like seat covers and alloy wheels. Their value is calculated according to their initial market value and then the depreciation rate is applied.
It means that if the car owner has hired a driver and if the latter meets with an accident while driving your car, then the insurance company will provide compensation for his injury/ loss of life.
Usually, the list is available on the insurer’s website. You can also check with your insurance agent or call the customer care number if you can’t locate it.  
Ranging from high-end locks to alarms, anti-theft devices are gadgets that protect your car. You need to get one certified by the Automotive Research Association of India (ARAI) if you wish to avail the anti-theft discount on the car insurance premium.
As per the Motor Vehicles Act 2019, the fine for driving without insurance is Rs 2,000 and/or imprisonment of up to 3 months for the first time. For subsequent offence, the penalty is Rs 4,000 and/or jail term of up to 3 months.
The different types of car insurance plans are:
Liability only policy: The Indian Motor Vehicles Act, 1988, makes it is compulsory for car owners to have a valid third party insurance policy, and non-compliance of the rule can lead to heavy penalties. This policy covers bodily injury (or death) or property damages done to any third party in case of an accident caused by the insured party, on the condition that it wasn’t a deliberate act or done under the influence of any drugs or alcohol.
Comprehensive plan: Buying this policy is optional, but it is highly recommended by experts. It covers damage done to your own vehicle as well as that done to a third party. Apart from accidents, it also covers thefts and damages done to the vehicle by natural calamities like flood, lightning, earthquakes, etc. or malicious acts like riots, strikes, and terrorist activity. This plan can be bought for a single year or for long term.
Standalone Own Damage Car Insurance: This offers exclusive protection to your car that may get damaged due to accidents, calamities, fire or loss due to theft. It doesn’t cover treatment for injuries of the driver, or any damage done to the third party, unlike a comprehensive plan.   
Other plans are also available depending upon the type of car i.e. Private Car Insurance and Commercial Vehicle Insurance.
If you didn’t make a claim during the policy period, you get No Claim Bonus. Apart from a discount on your insurance premium, your insurer is most likely to offer additional benefits when you renew the policy. These rewards might include a sizeable decrease in deductibles or an accident forgiveness option, which means zero increase in premium even after an accident.
It is simple to renew your car insurance online. All you have to do is visit the website of the insurer, make a self-survey of your car, and upload the required documents. Once the documents are approved, a payment link would be sent. After the payment is done, your policy will be renewed.
If you want to make any changes to your existing policy, it can be done through an endorsement. The modifications/changes are not made in the original policy but in the Endorsement certificate. These might include change in ownership, coverage, vehicle, etc. Endorsements are of 2 types - premium-bearing endorsement and non-premium bearing endorsement.

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.
If you have witnessed a significant rise in the insurance premium during renewal, it might be because of loading. Simply put, it is the amount that is added to a policy to cover for losses which were higher than what the insurer was anticipating. This comes into the picture if the policyholder is prone to a certain type of risk or opts for claims quite often. Loading protects insurance companies against high-risk individuals.
Yes. The reward for not claiming during the policy period can be easily transferred from one insurer to another if the policyholder decides to buy insurance from another insurer. Similarly, if the car owner changes his vehicle, NCB can be transferred to the new car. To transfer the NCB, you must request the insurance company to issue you an NCB certificate. This certificate denotes the amount of NCB you are eligible for and becomes proof of NCB transfer.
Road Side Assistance Cover provides you with the necessary help at the time when your vehicle is stuck in middle of road due to bike breakdown. This usually includes towing, changing flat tyre and jump start and many other things. Make sure you read policy wordings to understand the terms and conditions of this cover.
Yes, electric car owners are required covering their priced possession with a valid car insurance.
No, Comprehensive car insurance is not mandatory but third party car insurance is mandatory. It will be always advisable to choose comprehensive over third party as you can get a 360 degree protection to your car.
No, you cannot buy any add on covers with third party car insurance. But you can buy several add on if you purchase comprehensive car insurance.
Except for tyres and tubes, Zero depreciation provides coverage to every part of your car.
No Claim bonus is the reward your insurance company will give you for not filing a claim in the previous policy period. It is applicable only from the second policy year, and the discount on premiums ranges from 20%-50%.
Zero depreciation is an add-on cover available with comprehensive car insurance policies. With the help of this cover, you will get the full claim amount. In zero depreciation car insurance cover, the insurer will not consider the depreciation on various parts of the car during the final claim settlement. Therefore, this cover helps to enhance the claim amount of the policyholder.
This add-on cover retains your No Claim Bonus even after you have raised a claim for damage caused to your parked vehicle due to external impact or any calamity such as flood, fire etc. This cover not only protects your NCB earned so far, but also takes it to the next NCB slab. It can be claimed for a maximum of 3 times during the policy per.
Nil Depreciation, also known as Zero Depreciation Cover, will help the policyholder get complete coverage without depreciation. It is an add on cover that can be opted for while buying comprehensive car insurance online. Click here to read more on Nil Depreciation .
No, it will not be covered, because the information on your insurance policy must match the details of the car when making a claim. When you switch to LPG or CNG, the fuel type of your car changes, and hence, your claim request can get rejected. Therefore, you must inform the insurer about this change at the earliest.
Yes, you can get the coverage. For that, you would have to inform the insurance company about the addition of the accessories to your car. The insurance company would charge an additional premium to cover the accessories on a pro-rated basis. Pay the premium and you can get coverage for the accessories from the middle of the term.
Zero Depreciation Cover is an add-on cover that provides complete coverage to your car without considering the depreciation value. In the event of any damage, the entire claim amount will be paid by the insurer. However, the insured will have to pay a standard deductible amount while raising the claim under zero dep car insurance cover. Also, the policyholder can raise the claim only twice a year.
The Insured Declared Value (IDV) is the maximum amount of sum assured fixed by the insurance company, according to the present market value of the vehicle. Sometimes, the overall repair cost exceeds 75% of the vehicle’s IDV,and then, the insured car is treated as a Constructive Total Loss claim.
Roadside assistance is an add-on cover that comes to your rescue when you are stranded on the road in case of a mechanical breakdown. This has to be purchased by paying additional premium. One can avail 24*7 road side assistance for breakdown, tyre replacement, towing, fuel replacement etc. by contacting the customer care.
Unless you have a Zero Depreciation cover, the insurer pays for the repair or replacement of car parts at a depreciated value. The value of the car and its partsbecomes lower as the years go by. This ‘deduction for depreciation’ decides how much the policyholder pays from his/her pocket.
If your car insurance expires you will have to face the following:  

• 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.
Following are the ways in which you can check the status of your car insurance policy renewal online:

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.
Following are the benefits of Car insurance renewal

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.
All you need to do is follow these easy steps:

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.

When policyholders don’t make any claims during the policy period, they are rewarded with a No Claim Bonus (NCB). Now, this discount can range from 20% to 50%, depending on your track record of not making a claim. Therefore, if you let go of minor damages, you can avail a decent discount in the form of NCB and thereby save on premiums during car insurance renewal.
There are times when drivers wish to cancel a claim, mostly because they don’t want to pay the deductible. So, insurance providers allow you to cancel a claim after you file it, and to do so, you just need to contact a representative.
Usually, if you suffer a claim during the policy term, it is admissible. However, the insurer might reject the claim if you delay making a claim and your policy expires. Therefore, it is wise to inform the insurer immediately in the case of a claim. When you do so, the claim gets registered during the policy tenure. Then, you can get the settlement even after the policy expires.
There is no limit to the number of claims that one can register during the policy period. However, the policyholder can claim until the consolidated claim amount reaches up to the Insured Declared Value (IDV) of the car. Also, claims have an impact on your premium at the time of renewal.
A voluntary deductible is a part of the claim that the insured person has to pay from their pocket before raising the claim with the insurance provider. It is an excellent way to reduce your policy premium. For example, say your car is damaged, and the total claim amount is Rs. 10,000. If, you have agreed to pay Rs. 2,000 from your side as a voluntary deductible, the insurer will pay the balance of Rs. 8,000. However, remember that there is also a compulsory deductible portion in your car insurance policy. This is the amount you must pay compulsorily in each instance of a claim, irrespective of whether you are paying a voluntary deductible or not.
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