Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has
to be insured, with a Liability Only policy at the very least.
Yes. You can now purchase HDFC ERGO Motor Insurance online by using your Credit
Card or online bank account.
Yes. Simply log on to www.hdfcergo.com and provide minimum details of your expiring
policy and buy HDFC ERGO Insurance Policy online. Also avail benefits of the
No Claim Bonus earned by you in full.
Yes, you can renew your HDFC ERGO Motor Insurance policy online by using your credit
card or bank account.
Quite simply, it's a discount in the Own Damage premium payable when renewing
your policy after a claim-free year. It is an incentive for driving carefully and
All types of Vehicles
% of Discount on Own Damage premium
No claim made or pending during the preceding full year of insurance
No claim made or pending during the preceding 2 consecutive years of insurance
No claim made or pending during the preceding 3 consecutive years of insurance
No claim made or pending during the preceding 4 consecutive years of insurance
No claim made or pending during the preceding 5 consecutive years of insurance
In the event that you want to shift your insurance policy from any other company
to HDFC ERGO, you can transfer the No Claim Bonus accrued on your previous policy.
You can avail the full benefit as you would with your previous Insurer.
A cover note is a temporary Insurance document establishing proof of Insurance with
which you can register your vehicle. A cover note is valid for 60 days from the
date of its issuance and is replaced by an Insurance policy.
There are 2 types of covers available:
- Liability Only cover - insures you against any legal liability following an accident
involving your vehicle. It does not cover any damage to your vehicle.
- Package cover - Insures all liabilities, as per the Motor Vehicles Act, as well
as damages caused to your vehicle.
All you need to submit is a signed proposal form - in certain cases, with some additional
documents, if applicable. Once that is accepted by us, you just have to pay your
premium in full, by cash or cheque.
- Own Damage to the Insured vehicle caused by:-
- Accident by External Means
- Fire, Explosion, Self Ignition and Lightning
- Transit by Road, Rail, Inland Waterway, Air, Lift
- Burglary, House breaking or Theft
- Terrorism, Riots, Strikes or Malicious Acts
- Earthquake, Flood, Storm, Landslide, Rockslide
- Third Party Liability:-
- Injury or Death of Third Party
- Property Damage (TPPD upto Rs. 7.5 Lacs)
- Personal Accident:-
- Injury or Death of Third Party
Also includes reimbursement of Towing Charges, upto Rs. 1500 for cars, Rs. 300 for
two wheelers and Rs. 2500 for commercial vehicle or actuals, whichever is lower.
Following are not covered in the Motor Policy:-
- Wear & tear
- Mechanical or Electrical Breakdown, failure
- Depreciation, any consequential loss
- Driving under the influence of Liquor or Drugs
- Loss or damage attributable to War, mutiny, nuclear risks
- Any contractual liability
The Insured’s Declared Value (IDV) of the vehicle will be deemed to be
the ‘SUM INSURED’ and it will be fixed at the commencement of
each policy period for each insured vehicle.
The IDV of the vehicle is to be fixed on the basis of 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 (as per schedule
specified below). The IDV of the side car(s) and / or accessories, if any, fitted
to the vehicle but not included in the manufacturer’s listed selling price
of the vehicle is also likewise to be fixed.
AGE OF THE VEHICLE
% OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months
Exceeding 6 months but not exceeding 1 year
Exceeding 1 year but not exceeding 2 years
Exceeding 2 years but not exceeding 3 years
Exceeding 3 years but not exceeding 4 years
Exceeding 4 years but not exceeding 5 years
The premium is calculated basis the Make/Model of your vehicle, its Age, Place of
Registration, Fuel Type and Insured Declared Value (IDV).
The premium is also subject to certain deductions based on the Insured’s
Age and Occupation and the No Claim Bonus earned by the Insured during the policy
period. You will need to submit documents or particulars to avail of these discounts.
In case you want extended coverage - for Personal Accident, Electrical / Non Electrical
Accessories, etc. - you may have to pay an additional premium for the same.
No, the law (Insurance Act, 1938) does not permit us to accept your auto Insurance
premiums in installments.
Yes, they will be, as long as you make a written request to us, with a description
of the accessories along with their value. You may also have to pay an additional
An owner-driver is provided Personal Accident Cover of up to Rs. 2 lacs (for cars)/Rs.
1 lac (for two-wheelers). This cover can also be extended to paid drivers and persons
traveling in the vehicle, on a named as well as unnamed basis.
Simply call our toll-free helpline 1800-2-700-700 and we'll guide you. All
changes require a confirmation in writing from you and some may involve payment
of an additional premium. The changes will be carried out within two working days
of receiving your written request and cheque for the additional premium, if applicable.
Call our toll-free helpline 1800-2-700-700 and we'll advise you how to proceed.
You may have to pay a small fee for a duplicate policy.
We will send you a renewal notice well in advance of your policy expiry date. Simply
confirm acceptance of renewal and send your cheque for the premium to us at our
correspondence address. You can also renew your motor insurance policy through the dealer / agent
from where you bought your policy initially.
You would need to lodge an FIR in the following circumstances:-
- Any third party personal injury or death due to an accident involving your vehicle.
- Any personal injury or death of a paid driver.
- Any personal injury or death of an owner-driver.
- Any personal injury or death of a passenger.
- Any third party property damage.
- Theft of the entire vehicle.
- Theft of accessories, stereo-recorders, other vehicle parts.
- Any loss or damage to the vehicle by miscreants, rioters, terrorists, arsonists,
You will need to submit a claim form along with the following:
- A copy of the vehicle's registration book
- A copy of the driving license of the person driving the vehicle at the time of the
- An estimate of the repairs.
- A copy of the police FIR/panchnama in case of theft or any third party personal
injury/death or property damage.
- If the vehicle is declared a total loss, either due to an accident or theft, you
will also have to provide the following documents - RTO transfer papers, original
RC book, original Insurance policy, the vehicle's original keys, a no objection
certificate from you for transfer of the vehicle, a letter of indemnity on judicial
stamp paper and a letter of subrogation on judicial stamp paper.
- If you take your vehicle to any one of the garages empanelled by us, you benefit
from cashless repair service. You simply pay a small sum towards depreciation, consumable
items billed by the repairer and compulsory excess. Once your vehicle is repaired,
sign the satisfaction voucher acknowledging that you're satisfied with the
repairs, and you can drive away without any further hassle. The garage will take
care of all the other formalities.
- Should you take your vehicle to a garage of your choice, you will have to first
pay the repair cost and then submit the bills and cash memos to us for reimbursement.
We will check the bills and repay you the amount spent on repairing the accident
damages only, as per the terms and conditions of your policy.
- However, if your vehicle meets with a major accident and the repair costs exceed
75% or more of the insured value; the claim settlement process may take up to 30
- If the entire vehicle is stolen and cannot be recovered, we would use the help of
a specialist investigator to try and trace the vehicle, and obtain the necessary
documents from the police. This could take up to 60 days and will depend on your
co-operation in getting the necessary documents.
First, report the matter to:
- HDFC ERGO General Insurance,
- The police.
- The Road Transportation Office (RTO) where the vehicle is registered. Make sure
you obtain an acknowledgement from the RTO on a copy of your letter intimating the
loss of the vehicle to them.
Then, call our toll-free helpline 1800-2-700-700 to get a duplicate copy of your
policy and for help with filing a claim. You will need to fill in a claim form and
submit the police FIR to us, after which an investigator will be appointed to trace
your vehicle. Depending on the outcome of the investigations, we will offer you
a claim settlement, at which point additional documents may be called for.
We will handle the legal suit from the moment you receive a notification till the
case is resolved. We will either settle the case out of court or actively defend
the matter at the Motor Accident Claims Tribunal. Your co-operation will be essential
in gathering the necessary documentation and mounting a defense - viz. vehicle registration
papers, driving license of the person driving the vehicle, police FIR and panchnama,
vakalatnama signed by you, your written statement as to the facts of the accident.
We will also take care of legal liability and costs awarded by the tribunal. However,
we will not be able to help you in the following situations:
- Where your Insurance policy is not valid, either because it has expired or because
the cheque for your premium has been dishonored.
- The person driving the vehicle at the time of the accident was under the influence
of drugs or alcohol.
- The person driving the vehicle at the time of the accident did not hold a valid
driving license to drive the said vehicle.
No, your vehicle must first be repaired, after which we reimburse the amount payable
to you or pay directly to the garage in case of cashless settlement under your policy.
Total Loss refers to accident damage to your vehicle where the cost of repairs amounts
to more than 75% of the IDV on your policy.
Salvage refers to discarded parts that are damaged beyond repair and, therefore,
need to be replaced. If these parts have no economic value (broken glass, torn plastic,
rubber parts), they are thrown away. However, parts like doors, panels, petrol tanks,
front forks, etc., do have a residual commercial value. To avoid recycling of such
parts that may be repaired and sold as new, these need to be mutilated to prevent
malpractices by unethical workshops.