Motor Insurance

Your vehicle is one of your most prized possessions. With HDFC ERGO's Motor Insurance, your vehicle is protected against any unforeseen circumstances. Now, you can be rest assured of hassle-free service, backed by a network spanning 3000+ authorized workshops and end to end automated process which ensures fast track claim settlement. It ensures you to get back in driver’s seat quickly, no matter what happens to your vehicle.


Own damage to the vehicle caused by:

Accident due to external means
Burglary, housebreaking or theft
Fire, explosion, self-ignition,lightning
Terrorism, riots, strike or malicious act
Transit by road, rail, inland waterway, lift
Earthquake, flood, storm, landslide, rockslide

Personal accident cover for registered owner of the vehicle. You can also opt for a personal accident cover for passengers as well as paid drivers.

Third Party Legal Liability:
Provides cover for any legal liability arising out of the use of the vehicle for:
Accidental death / injury to any third party
Any damage to property owned by third party

Your Policy also includes:

Reimbursement of towing charges up to Rs.1500 (Cars) or actual, whichever is lower.


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 the vehicle is damaged during an accident
Loss/damage outside India


As an incentive for you to drive carefully, if no claim is made or pending during the preceding year(s), you get a discount.

Period of Insurance % of Discount on own damage Premium
Preceding Year 20%
Preceding 2 consecutive years 25%
Preceding 3 consecutive years 35%
Preceding 4 consecutive years 45%
Preceding 5 consecutive years 50%



Estimate approval in 24 hours of vehicle reaching garage
Cashless claim service* at authorized network garages
Toll-free help line for any policy queries and claims intimation
Value-added services like towing / ambulance / claim assistance, on a best-effort basis.
Hassle free claim settlement.

In short, you can trust HDFC ERGO to get you back in the driver’s seat quickly. Because we provide you with not just comprehensive insurance but also comprehensive assistance, whenever you need it.

* Conditions apply

For details, kindly refer to Policy Wordings .

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: Please read the Terms & conditions before concluding the sale.Insurance is the subject matter of solicitation.
IRDA Reg No. 125. UID No. 620.