"Spending a whole day looking for insurance is fun," said nobody, EVER!

    HDFC ERGO Car Insurance

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

    HDFC ERGO General Insurance Company Ltd. is an ISO certified firm known for providing high- quality insurance products ranging from car insurance, health, travel, home, and personal accident insurance. It is a joint venture between the country’s well-known Housing Institution HDFC Ltd. and ERGO International AG, an insurance entity of Munich Re Group. The company has 108 branches spread across 91 cities in India.

    Car Insurance Online HDFC ERGO

    Third-Party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages 3400+
    Incurred Claim Ratio 2016-17 89.43%
    Net Earned Premium Rs.79025
    Covers Provided
    • Depreciation cover
    • Downtime protection
    • No claim bonus
    • Return to invoice
    • Emergency assistance wider cover
    • Cost of Consumables
    • Engine & gearbox
    Features
    • Quick claim settlement
    • Instantaneous purchase
    • Hassle free claim settlement
    • Host of discounts
    Inclusions
    • Personal accident cover
    • Third-party cover
    • Loss or damage due to natural calamities
    • Loss or damage due to theft, fire, riots
    Exclusions
    • Loss due to wear & tear
    • Damage due to general ageing of the car
    • Nuclear risks

     

    Features and Benefits

    • Online transactions- With HDFC ERGO, you can get your car insured online in a quick and easy manner. Once you provide your details, a customer care representative will call you, inspect the car and issue the policy. One can also renew the policy if the previous policy has expired.
    • SMS updates & online tracking- Once you apply for a new insurance policy or renewal, you will be kept informed about the status of application through regular SMSes. Also, online tracking can be done with the unique number provided.
    • A number of discounts-The HDFC Ergo car insurance policy comes with a host of added benefits and discounts. Special offers are extended to those who are registered members of the Automobile Association.
    • A variety of plans-HDFC ERGO offers a wide range of plans and you can choose the best plan that suits your needs. Some of the insurance plans include Silver Plan, Gold Plan, Platinum Plan and Titanium Plan.
    • Excellent customer support-With a dedicated customer support team available 24/7, any queries can be resolved instantaneously.

    Easy Steps To Apply for HDFC ERGO Car Insurance Online

    With HDFC ERGO, buying an insurance policy online is hassle-free and instantaneous. Just log on to their website and follow these steps:

    • Fill out the online form to get a rough estimate of the premium payable for the type of insurance policy that you have chosen
    • Fill in your personal details
    • If you are happy with the quote, initiate the payment process online and you will receive your car insurance policy in a matter of minutes.
    • The policy document can then be downloaded online.

    Why HDFC ERGO

    Number of offers & discounts
    Customer centric
    Variety of plans offered
    Comprehensive products
    Wide range of add-on options
    Paperless online process

    Add-on covers on HDFC ERGO car insurance policy

    HDFC ERGO insurance plans provide a comprehensive variety of add-on covers that ensure the best protection for your prized possession. The covers enhance your protection and reduce the chances of out-of-pocket expenses. Below are the covers provided:

    • Loss of use or downtime protection-This cover ensures that the policyholder does not spend any money out of his/her own pocket when the car is damaged. Reimbursement will be made for an alternative mode of transport taken when the car is undergoing repairs. A sum of up to Rs.500 per day will be provided for 5 days in case of partial loss and 15 days in case of total loss or theft.
    • Zero depreciation claim-Policyholders will be eligible to avail the full claim amount at the time of an unfortunate event. However, this is excluding the cost of repair or replacement of tyres or batteries. All car parts excluded under the India Motor Tariff policy will be covered under this add-on.
    • Engine and gear box protection- This add-on covers the cost of repair and replacement of internal parts of the gearbox or engine. Damages may be caused due to water ingression, any leakages of lubricating oil, etc. A claim can be made under the own damage section of the policy for this add-on.
    • No claim bonus-Even if a claim has been registered during the policy year, the policyholder will be eligible for no claim bonus. This benefit can be availed even after 3 claims are made if damage has been caused to the windshield glass or losses arising through external means, flood or earthquake.
    • The cost of consumables-This add-on covers any losses arising out of damage caused to consumable items in the car, provided they are covered under section 1 of the policy statement.
    • Emergency assistance cover-Emergency assistance services are provided for on-site repairs, battery jumpstart, duplicate keys, tyre change, locked or lost keys, fuel delivery, towing assistance or emptying of fuel tank.

    Inclusion & Exclusion under HDFC ERGO car insurance

    Inclusions Exclusions
    Zero damage Damage due to general ageing, wear & tear
    Theft or loss of keys Valid only in India
    Loss of personal belongings Accident due to intoxication
    Tyre damage  
    NCB  
    Engine repair & replacement  
    Roadside assistance  
    Car damage cover  
    Personal Accident cover  
    Third party liability  
    Other legal liabilities  

    Insured Declared Value

    • The Insured declared value (IDV) of the car will be the total amount of sum insured towards the policy. This is fixed at the time of the policy issued.
    • IDV for cars that are more than 5 years old or obsolete models will be determined based on a certain understanding between the insurer and insured.
    • IDV will be considered as the market value through the policy period without depreciation for total loss or constructive total loss claims.
    • The insured car will be treated as a constructive total loss claim if the total retrieval cost or repair cost exceeds 75% of the car IDV.
    • IDV will be ascertained based on the listing price of the manufacturer’s brand, model, and depreciation. Please refer to the below sample table for details:
    Age of vehicle % of depreciation
    Not exceeding 6 months 5%
    Exceeding 6 months but not exceeding 1 year 15%
    Exceeding 1 year but not exceeding 3 years 30%
    Exceeding 3 years but not exceeding 4 years 40%
    Exceeding 4 years but not exceeding 5 years 50%

    HDFC ERGO Cashless Garages

    HDFC ergo has a strong network of over 3400 network garages that are spread across various branches across the country. The seamless network of garages provide high-quality cashless services to policyholders.

    Claim Process for HDFC ERGO Car Insurance

    It is quite easy and simple to file a claim on the HDFC ERGO car insurance policy. Download the HDFC ERGO mobile app and log on to the Insurance Portfolio Organizer through Google play store. Once this is done, you just have to fill in some basic details to link your policy account with the mobile app and you can register your claim instantaneously. Calls can also be made on the company's toll-free number to register a claim. There are a few important guidelines that need to be followed while filing a claim. Below are the details:

    • Always ensure an FIR is filed as soon as possible in case of damages to property, theft or bodily injury.
    • In case of a serious accident, it is always better to inform the insurance company immediately so that the insurers can come to the accident spot for inspection and ascertain the value of damage.
    • In cases of serious injuries, death, third party damage, riots, strikes, the incident must be reported immediately to the nearest police station.

    Cashless Claim Process for HDFC ERGO Car Insurance

    A specific procedure needs to be followed while initiating a cashless claim process. The following are the steps to be taken:

    • Log on to the HDFC ERGO website and locate the nearest network garage. The same information can also be obtained by making a call to the company’s toll-free number.
    • If the car is in a condition to drive, then take it to the nearest network garage. If not, call for roadside towing assistance.
    • The extent of damage will be assessed by the surveyor.
    • Regular updates on the status of the car will be provided through SMSes or emails at each stage of the claim process.
    • Once the car is ready after repair, the policyholder needs to make a payment for compulsory deductibles or depreciation, if any, and take the car home. The balance amount will be paid to the network garage by the insurance company.
    • A claim computation sheet and breakup of information will be provided to the policyholder for reference.

    Reimbursement Claim Process for HDFC ERGO Car Insurance

    The claim application process slightly varies when it comes to reimbursement. The following are the steps to be taken to file a claim for reimbursement:

    • Register a claim on the HDFC ERGO mobile app or through the toll-free customer care number.
    • Once a claim is registered, a surveyor from the insurance company will assess the extent of damage or losses caused.
    • Fill the claim form and make a submission with the list of required documents mentioned.
    • The claim will be processed once the documents are received.
    • SMS updates will be sent to the policyholder at every stage of the claim process.
    • A claim computation sheet and breakup of information will be provided to the policyholder for reference.

    HDFC ERGO Car Insurance Reviews

    • HDFC Ergo Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I also have a car insurance with HDFC Ergo. They are doing good in this policy as well. I am satisfied with the policy coverage they provided this year and there are benefits of cashless garages and the road side assistance. The premium is also nominal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2018
    • HDFC Ergo Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have purchased my car insurance from the HDFC ERGO GENERAL INSURANCE and i am using it from this year beginning. The policy is for bumper to bumper and also everything covers in my policy.Premium i pay 11650 which is lowest and i found it is comfortable.
      Was this review helpful? 0
      ,
      Reviewed on Jul 17, 2018
    • HDFC Ergo Car Insurance
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I have also taken my car insurance with HDFC Ergo as I am happy with the services. The customer support is good and they have given me a good policy coverage. There are features of a road side assistance and also the cashless garages. The premium is normal.
      Was this review helpful? 0
      , palakkad
      Reviewed on Jul 15, 2018
    • HDFC Ergo Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have purchased this car insurance from the HDFC ERGO GENERAL INSURANCE from the on line. The documentation process is good to get my insurance. Policy coverage is for the Bumper to Bumper and i had no claiming experience. I am holding it for the last 3 years.
      Was this review helpful? 0
      , bharuch
      Reviewed on Jul 14, 2018
    • HDFC Ergo Car Insurance
      "Features are good"
      0.5 5.0/5 "Blown Away!"
      HDFC Ergo has offered a good policy coverage on the car insurance policy. The customer services are good and they are responsive as well. They have sent me the documents for the policy on time. The premium cost is also normal and there are features of plan benefits and cash less garages.
      Was this review helpful? 0
      , nasik
      Reviewed on Jul 13, 2018
    • HDFC Ergo Car Insurance
      "Good overall"
      0.5 4.0/5 "Great!"
      This year my car insurance policy is with HDFC Ergo. The process to get my policy was easy and smooth. The premium is reasonable and the process was fast in receiving the policy documents. I have a good policy coverage and the premium is also normal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2018
    • HDFC Ergo Car Insurance
      "Beneficial policy"
      0.5 5.0/5 "Blown Away!"
      I have my car insurance with HDFC Ergo. The policy coverage is good and so is the benefits as well. There are benefits like a road side assistance and also there is a cashless garage facility. The premium is nominal and since there is no claim, I am not sure of the exact service.
      Was this review helpful? 0
      , bilaspur-himachal pradesh
      Reviewed on Jul 12, 2018
    • HDFC Ergo Car Insurance
      "Happy with the services"
      0.5 5.0/5 "Blown Away!"
      HDFC Ergo is excellent in the customer services. I have taken my car insurance from them this year. The renewal of this policy was very convenient. I could do it online. The best is that I got a good policy coverage with a lower premium when compared to other insurers. They provide facilities like road side assistance and cash less garages too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 10, 2018
    • HDFC Ergo Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      Actually i am using the health insurance from the HDFC it is a good experience. As i am using it since last 2 years. I have purchased based on the my credit card. I had a no claiming experience so far. Disease coverage is included in my policy. There is no free health checkup. I pay the premium through my credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 09, 2018
    • HDFC Ergo Car Insurance
      "Process is good"
      0.5 4.0/5 "Great!"
      My car policy was also with HDFC Ergo the last time. They have provided good features like a road side assistance and other features. The policy coverage is good and the process to get the policy was also normal. The policy documents were sent to me on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • HDFC Ergo Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My car insurance is with HDFC Ergo. The process is good and there are no hassles to buy the policy. The customer services are good. The policy coverage is also good. There are nice features like road side assistance as well. Overall no hassles.
      Was this review helpful? 0
      , thrissur
      Reviewed on Jul 05, 2018
    • HDFC Ergo Car Insurance
      "Good overall"
      0.5 4.0/5 "Great!"
      My car insurance is with HDFC Ergo. They have given me a good policy coverage and there are benefits of a road side assistance. The process to get the policy was easy too. The premium is okay for me. The customer support is also good and they provided the details.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 28, 2018
    • HDFC Ergo Car Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      My car insurance is with HDFC Ergo. The process to get this policy was easy. It was done directly with the agent and I got the policy documents on time. There are benefits of a road side assistance as well. The policy coverage is good. But I would not wish to renew the policy this year with them because of the experience I had with the two wheeler.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 25, 2018
    • HDFC Ergo Car Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      I have taken my car insurance policy with HDFC Ergo. The customer services and response is good. It was very easy to buy this policy. They have sent me the soft copy of the policy document. Not that sure on policy coverage and the other benefits. It is good overall.
      Was this review helpful? 0
      , mysore
      Reviewed on Jun 23, 2018
    • HDFC Ergo Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      My experience earlier is with HDFC Ergo for the car insurance. The main factor I did not continue with them this year is because the premium is more costlier and where ever I travel they do not have the cash less garage network facility. They need to work on that overall.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 13, 2018
    • HDFC Ergo Car Insurance
      "Good overall"
      0.5 4.5/5 "Excellent!"
      My car insurance is with HDFC Ergo. The customer support is good and they sent me the soft copy and hard copy for the policy on time. I have taken a Basic Plan. There is a cashless facility as well. The premium is lower when compared to other companies. The IDV is also okay.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 13, 2018
    • HDFC Ergo Car Insurance
      "Best policy"
      0.5 4.0/5 "Great!"
      I have taken the car insurance from HDFC ERGO. The premium was normal. Its have zero depreciation. At the time i was taking the policy it was the best policy which i have come over. I got the hard copy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
    • HDFC Ergo Car Insurance
      "Good coverage for car"
      0.5 5.0/5 "Blown Away!"
      I got bumber to bumber, cashless garage and accidental coverage from HDFC ERGO. The premium was 6908. There is no claim experience with this policy. The informed all the benefits and i am satisfied as the policy premium was reasonable.
      Was this review helpful? 0
      , thrissur
      Reviewed on Jun 11, 2018
    • HDFC Ergo Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I had a good with HDFC ERGO GENERAL INSURANCE. I have been using since 4-5 months. I had no claim. Road side assistance is not there. B to B is also not there i my insurance. I am satisfied with the coverage. Premium is good. Documentation i have done through the on line.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 10, 2018
    • HDFC Ergo Car Insurance
      "Good. Can be more quick"
      0.5 4.0/5 "Great!"
      The process was good with HDFC Ergo to purchase the car insurance policy. But it took time to get the hard copy. There was a delay of eight to ten days. I have chosen this company to take the policy is because it has a good IDV than the other insurance company. The premium is also normal. I have not communicated with them yet to rate them on the service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 09, 2018
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