HDFC ERGO Private Car Insurance Add On Brochure

You have invested your precious time in analyzing every detail before buying your dream car, now ensure the protection of your prized possession with the best comprehensive insurance plan from HDFC ERGO. This plan is carefully designed to provide optimum coverage and no surprises! You can opt for the Motor Insurance Add-on plan which enhances your coverage for better protection, in addition to your standard motor insurance policy for motor vehicles to:

  Provide added security and complete peace of mind
  Minimizes out-of-pocket expenses
  Widens the existing scope of cover


The policy reimburses a daily benefit towards the cost of alternate means of transport for the duration the insured vehicle is repaired or replaced, subject to following limits:

  Upto Rs. 500/- per day for private cars*
  *Maximum 5 days for partial loss and 15 days for total loss / theft claims
  Coverage may be availed up to three times for partial loss claim and once for a total loss / theft
    claim during the entire policy tenure

Key Benefits

  No compromise on the mode of travel
  No Additional expenditure due to loss of use of vehicle caused by damage


  The claim will be admitted under the own damage section of the policy
  The facility under this clause is limited to the number of days the insured vehicle is repaired or
    replaced or up to 5 days for partial loss or up to 15 days for total loss whichever earlier
  The benefit under this clause will be offered only if the insured vehicle is kept in the garage for
    more than 24 hours


The policy pays the full claim without any deduction for depreciation (excludes Tyres and Batteries) applicable on the own damage section. However, depreciation for parts excluded under India Motor Tariff is payable.

Key Benefits

Minimum “Out of Pocket Expenses”
No Concern about categorization of parts


Covers consequential damages to the internal child parts of the engine and /or gearbox of the insured vehicle, arising out of :

Water ingression
Leakage of lubricating oil and/or damage to engine and/or gear box of the Insured Vehicle arising
  out of lubricating oil due to accidental means

Key Benefits

No worries of driving your vehicle through water logged area
Covers expenditure incurred due to damage to internal Engine and Gear box parts


  The claim will be admitted under the own damage section of the policy.


Retain the “No Claim Bonus” earned on the policy regardless of a claim on the vehicle

Key Benefits

Substantial saving in premium
Benefit of NCB even if claim is registered


Can avail benefit only up to a maximum limit of 3 claims on policy
Subject to occurence of the following contingencies under a claim:
  • Damages to Windshield Glass
  • Loss to parked vehicle by external means
  • Loss to parked vehicle due to flood, earthquake, AOG perils


Emergency assistance services for the following:

On site minor repair Battery jump start
Duplicate key Tyre change
Locked/Lost keys Fuel delivery
Emptying of the Fuel type Towing and Removal of the covered vehicle


Covers expenses incurred by the Insured towards Consumable Items, in the event of damage to the Insured Vehicle and/or to its accessories (if Insured), arising out of any peril as covered under Section 1 of the Policy


Claim under this section is payable only if the Claim under Section 1 of the policy is admissible
  and payable

Key Benefits

Relieves you of the additional expenditure incurred

Add-on Vs. Plan Silver Plan Gold Plan Platinum Plan Titanium Plan
Zero Depreciation
Loss of Use / Down Time Protection
Engine and Gear Box
No Claim Bonus Protection
Cost of Consumables

HDFC ERGO General Insurance Company Limited
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate,
Mumbai - 400020
Customer Service Address : 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri (E),
Mumbai - 400 059
Toll-free No. 1800 2 700 700 (Accessible from India only.) Fax: 91-22-6638 3699
E-mail Website

Disclaimer: For more details on risk factors, terms and conditions, please read the policy brochure before concluding the sale. Insurance is the subject matter of solicitation. IRDA Reg No. 125. UID No. 856.