HDFC ERGO Car Insurance

Call to Buy:1800 266 6400

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Accidents to Repairs We’ve Got You Covered

Insure your car in under 5 mins!

Roadside

Assistance°°

12,000+ Cashless

Garagesˇ

Doorstep

Vehicle Repairs°°

Starting @ ₹6/Day*

Explore Car Insurance

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+91

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+91

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By proceeding, you agree to HDFC ERGO’s Terms & Conditions

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Roadside

Assistance°°

12,000+ Cashless

Garagesˇ

Doorstep

Vehicle Repairs°°

3.7 Crore+

Happy Customers@

5 Claims

Processed/Min~^

₹13,000+ Cr

Motor Claims Paid~

Text Box

24 Years

of Serving India

Why buy directly from HDFC ERGO?

Zero Mis-Selling

Transparent & Honest Insurance

You get only what you need — no pressure selling, no hidden clauses, just complete transparency.

Dedicated Claim Assistance

Guidance at Every Step

Get personalized support during claims with a team that ensures a smooth and stress-free process.

100% Data Privacy

Your Information, Fully Secure

All your personal and medical details are protected with robust data privacy protocols.

Instant Policy Issuance

Quick, Paperless Coverage

Get covered instantly with digital policy issuance — no paperwork, no delays.

Zero Mis-Selling

Transparent & Honest Insurance

You get only what you need — no pressure selling, no hidden clauses, just complete transparency.

100% Data Privacy

Your Information, Fully Secure

All your personal and medical details are protected with robust data privacy protocols.

Dedicated Claim Assistance

Guidance at Every Step

Get personalized support during claims with a team that ensures a smooth and stress-free process.

Instant Policy Issuance

Quick, Paperless Coverage

Get covered instantly with digital policy issuance — no paperwork, no delays.

AI-Powered Claim Process

No stress, just fast and seamless claim settlements

Affordable Yearly Premium

Enjoy all-round protection at just ₹2,551 annually

24x7 Roadside Assistance

Wherever you are, help is always one call away

12,000+ Cashless Garages

Quick repairs, no upfront payment, nationwide support

Overnight Repair Service

Sleep easy knowing your car is in expert hands

Types of Car Insurance Plan

Comprehensive Car Insurance

Accident
Personal Accident cover
Natural Calamities
Third-Party Liability
Choice of add-ons
Theft

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Stand-alone Own Damage Car Insurance

Accident
Natural Calamities
Fire
Choice of add-ons
Theft

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Third-Party Car Insurance

Personal Accident Cover
Third-Party Property Damage
Injury to Third-Party
Legally Mandatory

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Know Your Coverage

What’s covered?

What’s not covered?

🤕 Physical Injury

We cover your treatment, hospital stays, and emergency care so you focus on healing, not bills.

🪦 Death of an Individual

In life’s hardest moments, we take care of all repatriation and medical costs with dignity and support.

🏚️ Damage to the Property

If you accidentally damage someone's property, we cover it because your protection goes beyond your vehicle.

🚗 Accidents

Whether a minor mishap or major crash, you’re backed with full medical and damage cover always.

🔥 Fire and Explosion

Unexpected fire or blasts? We help you recover fast with seamless support and complete damage protection.

🕵️‍♂️ Theft

If your car is stolen, don’t worry. We’ll cover your loss and guide you through quick claim assistance.

🌊 Natural/Man-made Calamities

From floods to riots, we handle the unexpected with full coverage so you’re never left stranded.

🚛 In-transit Damage

Even when your vehicle’s being moved, we ensure it's safe and financially protected at every stage.

🦽 Personal Accident Cover

If you're injured or worse, we’re here to protect you with medical support, hospitalization, and ambulance cover.

📉 Depreciation

Wear and tear due to regular use is natural, but it's not covered under your policy.

🚔 Illegal Driving

Driving without a valid license or under influence voids coverage for resulting damages.

⚠️ Consequential Losses

Losses that do not occur directly due to an accident are called consequential losses. These losses are not covered under the policy.

🧑‍🔧 Electrical and Mechanical Breakdowns

If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered.

❌ Incorrect Usage

If the car is overloaded or misused against policy terms, the resulting damage won’t be covered.

🌍 Geographical Limitation

Damage outside Indian borders falls outside policy scope and will not be reimbursed.

Got Any Questions?

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Policy

Claims

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What types of car insurance coverage does HDFC ERGO offer?

HDFC ERGO provides Comprehensive Coverage (covering own damages, fire, theft, natural and man-made disasters, plus liability to third parties) and Third‑Party Only or Own Damage Standalone policies, as per regulatory requirements

Does car insurance cover mechanical or electrical breakdowns like engine failure or transmission issues?

No, standard car insurance does not cover regular mechanical or electrical breakdowns. These include issues like engine failure, transmission problems, or battery drainage due to wear and tear or internal faults.

What is covered in a comprehensive policy?

It includes damage from accident, fire, theft, terrorist acts, natural events (flood, earthquake, cyclone, landslide), and third-party liability including property/person injury and legal liability.

What's the difference between Comprehensive and Third-Party coverage?

Third-Party insurance is mandatory by law and only covers damage or injury to others. Comprehensive insurance covers both third-party and damage to your own car. It’s ideal for full protection and peace of mind.

What is No Claim Bonus (NCB) and how do I carry it forward?

If no claim is made during the policy year, you're eligible for NCB—a premium discount. You can carry it forward or get an NCB reserving letter if you sell the car and move it to a new vehicle.

Can the policy be transferred if I sell my car?

Yes either transfer the policy to new owner with endorsement (Form 29/30 and NCB transfer) or cancel it outright. Supporting documents like RC, sale deed/NOC are needed.

Can car insurance premiums be paid in instalments?

No, you cannot pay the car insurance premium in instalments. Section 64VB states that car insurance coverage cannot be offered i.e. the company cannot undertake the risk of offering coverage for the car unless it receives full premium payment on or before the policy start date.

What is IDV ?

Insured Declared Value or IDV is the maximum amount of money an insurer will pay out for a vehicle in the event of theft or total loss. IDV in car insurance plays a major role in determining the premium. The IDV is usually fixed at the start of each policy period.

How do I register a claim?

You can register via HDFC ERGO’s website, mobile app, or by calling their 24×7 customer‑care hotline. Follow instructions to submit claim details or upload documents/photos

What is the claim settlement process?

Opening a claim online or via app is quick. You can opt for cashless claim at a network garage, or reimbursement if you pay upfront and submit bills later. Settlement is processed after assessment per policy terms

How do I track my claim?

Claim status can be tracked online via the HDFC ERGO website or mobile app using your policy or claim reference number

Is an FIR required for every claim?

Not always. FIR is mandatory for theft claims, major accidents, injury or third‑party/property damage. Minor damages may not require FIR but must follow policy terms.

How can I renew my HDFC ERGO car insurance?

You can renew online via the HDFC ERGO website or mobile app. You’ll download the Self‑Inspection application, upload photos of your vehicle, get document approval, then receive a payment link and policy copy upon payment

What if I miss the renewal deadline?

HDFC ERGO provides a grace period of up to 90 days after expiry to renew your policy. During this period: You retain your No Claim Bonus (NCB). You cannot raise claims until renewal is complete. After 90 days, the policy terminates and any accumulated NCB is lost. A vehicle inspection may also be required

What are the steps to renew my policy online?

Visit the HDFC ERGO website or app and select “Renew Policy.

•Enter your policy number or vehicle registration and verify using OTP.

•Download the Self-Inspection app and upload vehicle photos for approval.

•Choose your plan and add-ons, then make payment.

•You’ll receive the renewed policy copy via email and SMS.

Can I change add-ons or switch coverage during offline renewal?

Yes, just like online renewal, you can:

•Choose or switch between Third-Party, Own Damage Standalone, or Comprehensive Plans

•Add new or upgrade existing riders – such as Zero Depreciation, Engine & Gearbox Protection, Roadside Assistance, and more

•This flexibility lets you tailor coverage to your current needs

Insurance, Now Simplified

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Keep Calm and Drive On – HDFC ERGO Has Your Back!

T&C Apply. Add-on Policy can only be purchased with the HDFC ERGO Base policy and cannot be purchased in isolation.

~^Claims calculation - Count of OD Claims Settled in FY25(excludes repudiation & zero) ,

607,423 Working Days (-) holidays, 249 Working Days (-) Weekends and Holidays, 1,192 Working Hours, 1,19,520 Working Minutes, 5.1 Claims Per Minute

~Data from FY11 to FY25 ˇas on 01st Oct 2025 - 12775 active Network garages (2,338 - 2W, 9,764 - 4W, 653 - Comm)

@3.7 cr+ covers all lines of business - policyholders in motor and corporate lines, lives covered under health, PA & travel and farmers covered crop insurance. Data as on November 2025.

°°Additional premium will be charged for add on cover

*The above mentioned Basic third party premium of 1 year is for Cubic capacity < 1000 CC as on 1st June 2022 without any other additional covers and may vary depending on the cubic capacity of the vehicle and additional if covers opted.

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117.

Registered & Corporate Office: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059.

For more details on the risk factors, terms and conditions, please read the policy document carefully before concluding a sale.

UIN: Two Wheeler Package Policy - Annual - IRDAN125RP0009V01202122 | Emergency Assistance Cover - Add-on cover for Two Wheeler Package Policy - Annual - IRDAN125RP0009V01202122/A0052V01202122