HDFC ERGO Car Insurance Renewal

• Get quotes from multiple insurers
• Choose from a variety of zero depreciation and roadside assistance covers
• 3100+ cashless garages

HDFC ERGO General Insurance Co. Ltd. is a joint enterprise between ERGO International AG and HDFC Ltd. Ever since the commencement of operations in India, it has been expanding its network across the country and has become one of the most popular general insurance providers. At present the firm has 108 branch offices situated across 91 cities with a large workforce of 2000+ highly skilled employees. In addition, the firm also renders their services via insurance brokers, dealers and agents.

HDFC ERGO Car Insurance Renewal Premium CalculatorThe HDFC ERGO website has a built-in tool called the premium calculator, for calculating the insurance premium. The calculator quotes your insurance premium based on a number of parameters for which you are required to provide relevant and genuine information.

The calculator can be used when renewing a HDFC ERGO insurance policy or an insurance policy from another insurer. Following are the parameters used to calculate and quote the estimated insurance premium:

• For renewing motor insurance policy from other insurer
  • Vehicle details
  • Additional coverage for vehicle
  • Contact details
  • Previous policy details

• For renewing the HDFC ERGO motor insurance policy
  • Expiring Policy Number

HDFC ERGO Car Insurance Renewal Procedure

You have the option of renewing your car insurance policy online or offline within one month of the policy’s expiry.

• Online Renewal:

Online policy renewal is a quick and hassle-free process. You can visit HDFC ERGO website or any of the third-party insurance websites and renew your insurance policy. The process doesn’t require any paperwork. You can pay for the policy renewal via credit card/debit card/net banking after you get your insurance premium estimate from the premium calculator.

• Offline Renewal:

Offline renewal is sometimes a tedious and time consuming process as it involves travelling and a lot of documentation. For offline renewal you have to visit any of the branch offices or meet with authorised insurance agents/dealers to discuss and get your insurance policy renewed.

HDFC ERGO Car Insurance Renewal Key Features and Benefits

HDFC ERGO car insurance comes with a number of key features and benefits as mentioned below:

• 24X7 customer support
• Zero documentation
• Offers transparency in claim settlement process
• Cashless claim facility at more than 5000 network garages
• On the go mobile app
• Quick and hassle-free policy approval and issuance

HDFC ERGO Car Insurance Claim Process

HDFC ERGO makes it easy for their customer to raise the claim request instantly and processes the claim settlement within 24-48 hours of claim registration.

• Claim Register:
  • Download the HDFC ERGO app on your mobile and link your insurance policy. Register your claim request in the app as soon as the mishap takes place.
  • You can also register your claim by calling the dedicated customer care at their toll free number: 1800-2-700-700.
  • You can raise either a cashless claim or a reimbursement claim depending on your convenience.
• Cashless Claim Process:
  • Locate a network garage near the place of incident.
  • Drive or get your car towed to the network garage for repairs.
  • An authorised surveyor will be sent to the workshop to assess the incurred losses/damages.
  • Submit the necessary documents along with a duly filled claim form to the surveyor/insurer.
  • Status updates of your claim will be sent to you via Emails/SMSes.
  • Once the vehicle is ready, you have to pay depreciation, compulsory deductible, etc. to the garage and take your car.
  • The remaining claim amount will be settled by the insurer directly with the network garage.
  • You will receive the claims computation sheet that shows the complete break-up of your claim settlement.
• Reimbursement Claim Process:
  • Locate a garage nearby and drive your car or get it towed to the garage for repairs.
  • An authorised surveyor will be sent to the garage to inspect the vehicle for losses/damages.
  • Submit the necessary documents along with duly filled claim form to the surveyor/insurer.
  • After your car gets repaired, you will have to settle the expenses for repairs yourself and collect the invoice and payment receipt from the garage.
  • You have to submit the invoice and payment receipt collected from the garage to the insurer.
  • The insurer will validate the submitted documents and process your claim settlement.
  • You will receive claim status updates via SMSes/Emails.
  • You will receive your claim settlement via NEFT/cheque depending on which one you opted for.
  • You will receive the claims computation sheet that shows the complete break-up of your claim settlement.
• Things to remember when it comes to claim process:
  • In case of property damage, vehicle theft, bodily injuries of third-party and/or self, etc., lodge an FIR at the nearest police station.
  • If the losses/damages due to the mishap are major, report the incident to the insurer before removing the vehicle from the place of incident so that the insurer can send an authorised surveyor to perform spot inspection.

HDFC ERGO Car Insurance FAQs:

1. What is the policy period for HDFC ERGO car insurance?

   HDFC ERGO car insurance policy has a tenure of 1 year.

2. Why is it important to have a car insurance?

   As per the Motor Vehicles Act in India, it is mandatory for all the vehicles plying on the roads to be insured with at least a third-party liability cover. Apart from the law mandating your vehicle to be insured, having a car insurance protects you from third-party and/or own damage liabilities that you incur as a result of a mishap.

3. What will happen to your insurance policy in case you sell your car?

   In case you sell your car, you can either transfer your insurance policy to the buyer’s name or close it for good. You can also transfer the insurance policy to your new car in case you are buying one. If you don’t do either and raise a claim request, it will be denied.

4. What are the physical documents to be submitted when buying car insurance online?

   When renewing/purchasing insurance online, you don’t have to submit any physical documents.

5. Can I transfer my No Claim Bonus Discount from my previous insurance policy to my present one?

   You can transfer your No Claim Bonus Discount from your previous insurance policy to your new policy within one month of policy issuance provided that you have renewed your policy within 30 days of expiry of your previous policy.