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

    HDFC ERGO Car Insurance

    Car Insurance
    • Get third party cover at low premiums
    • 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
      "Good policy"
      0.5 4.0/5 "Great!"
      Previously I had applied and got the car insurance policy from Hdfc Ergo, it was a good policy where I did not had to face poor experience, everything went well with the final premium amount and the Idv. The processing was done on time, and customer was good as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • HDFC Ergo Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      Previously I had applied and got the car insurance policy from Hdfc Ergo, it was a good policy where I did not had to face poor experience, everything was fine with the final premium amount and the Idv. The processing was done on time and customer service was also good.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • HDFC Ergo Car Insurance
      "a nice experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance from a private sector company HDFC ERGO GENERAL INSURANCE. My annual premium amount is Rs. 5,717/- which is quite high by comparing with previous policy. Most of all benefits are covered under one policy. The customer service is good and responsive.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • HDFC Ergo Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      Previsously I had a car insurance policy from Hdfc Ergo. The premium and Idv was not as expected as compared to the evolving market counter place. The premium was high and Idv was also low. I was not completely satisfied with the policy. I would like to rate average for this policy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 22, 2018
    • HDFC Ergo Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had a car insurance policy from Hdfc Ergo, the whole year I did not make any claim from the policy so I don't know about their services, but depending on their Idv amount and the premium amount I was not satisfied as comparing to other policies in the market. Since I got this policy along with the car I would rate this policy as average.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • HDFC Ergo Car Insurance
      "The best experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance from a public sector company HDFC ERGO GENERAL INSURANCE. I had faced some issues from customer support. I contacted HDFC ERGO GENERAL INSURANCE Customer support to send me a Hard copy of my policy document twice. But they didn't respond for my quire. Other wise The policy is good it covers each and every benefits in under one policy. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , muradnagar
      Reviewed on Feb 22, 2018
    • HDFC Ergo Car Insurance
      "The best experience"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Car insurance from a private sector company HDFC ERGO GENERAL INSURANCE. I didn't have any claim experience so i cant able to comment on it. The most impressive thing is each and every benefits are covered under this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 20, 2018
    • HDFC Ergo Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I had a car insurance policy from Hdfc Ergo previously. The present final premium of Hdfc is 20 % lesser than the time when I use to pay the premium. More or less it was a good policy I have no issues with the policy I am satisfied. I have no claim experience with that policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • HDFC Ergo Car Insurance
      "A good experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance from a HDFC ERGO GENERAL INSURANCE through a on line partner. I didn't have any claim experience so i cant able to comment on it. But i can say the premium amount is very high by comparing to other private sector insurance companies. Each and every product benefits are covered under this policy.
      Was this review helpful? 0
      , hassan
      Reviewed on Feb 20, 2018
    • HDFC Ergo Car Insurance
      "Below average"
      0.5 2.0/5 "Expected more"
      I have taken a car insurance plicy from Hdfc Ergo. The policy details of previous insurance were mentioned incorrectly in the present policy. They are yet to give me new policy a mail has been sent to me, in 7 working days I will be receiving my policy. The final premium I spent is around Rs. 5,574 and Idv is around Rs. 2,27,075.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • HDFC Ergo Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Hdfc Ergo. The final premium is around Rs. 6,040 and Idv is around Rs. 2,19,450. I am satisfied with the policy coverage. I have no claim experience so it is hard to comment. I would recommend this policy to others.
      Was this review helpful? 0
      , gokak
      Reviewed on Feb 17, 2018
    • HDFC Ergo Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had a car insurance policy from Hdfc Ergo. I received the policy along with the car. Th final premium was around Rs. 17,000 to Rs 18,000. I never made any claim through this policy or previous policies but I did not receive any no claim bonus, I did not receive any information on that even though I would like to rate it 5 out of 5.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 17, 2018
    • HDFC Ergo Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Previously I had car insurance policy from Hdfc Ergo. I was happy with the policy, I did not make any claim from the policy but the total premium and the Idv I was receiving was good. Customer service is also good, I do not have any complaint with the Hdfc car insurance policy.
      Was this review helpful? 0
      , hubli
      Reviewed on Feb 16, 2018
    • HDFC Ergo Car Insurance
      "Average"
      0.5 3.5/5 "Pretty good"
      I had car insurance policy previously from Hdfc Ergo. It was a good policy back then but we can always compare products too right. I had bumper to bumper cover on my car. I didn't face any issue with my car, therefore I dont have any claim experience with this insurance company till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 10, 2018
    • HDFC Ergo Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      have taken a car insurance policy from Hdfc Ergo. The policy is good, I paid the final premium of around Rs. 8,913 and Idv is around Rs. 4,30,000. However I faced lot of difficulty during the payments through online there were lot of steps involved, only they could have made it more easier options to pay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 08, 2018
    • HDFC Ergo Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I have taken a basic plan from HDFC Ergo for my car insurance. The main factor I considered taking this policy is because of the economical premium. Since I was planning to sell the car I did not look into the other features. I need to sell the vehicle with an insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 03, 2018
    • HDFC Ergo Car Insurance
      "Overall good"
      0.5 3.5/5 "Pretty good"
      My car insurance is from HDFC Ergo. I received the soft copy and have taken a print out of it. But I would have been happier if I received the hard copy original. The IDV is a good value and I am okay with the premium too. But, I am yet to communicate with the customer support. There are features of no claim bonus. There is no road side assistance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 03, 2018
    • HDFC Ergo Car Insurance
      "Good. Can do better"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance with HDFC Ergo. I have received a soft copy. But I am yet to receive the details of the coverage for the driver and other information. I have already endorsed the same. I have taken a Basic plan and the IDV is good and also the premium.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 02, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      HDFC Ergo approached me well to get the car insurance they are helpful and they activated the policy on time. My premium was reasonable compared to other insurance. I paid Rs. 11k for one year of bike cover, they gave me IDV value of Rs. 3. 5 lakhs, its includes to bumper to bumper silver plan.
      Was this review helpful? 0
      , chamarajanagar
      Reviewed on Feb 02, 2018
    • HDFC Ergo Car Insurance
      "Good facilities"
      0.5 5.0/5 "Blown Away!"
      I have taken my car insurance from HDFC Ergo. I have taken the basic plan. The customer services are good. It was very much convenient to buy this policy. There was also a claim experience and I had a cash less claim facility. The experience was good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 02, 2018
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