• Buy HDFC ERGO Car Insurance Online - Check Plan Details & Reviews

    Car Insurance
    • Protect yourself with third party or comprehensive cover
    • Use bumper to bumper policies to reduce your liability
    • Enjoy facilities like zero depreciation and roadside assistance covers

    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 6400+
    Incurred Claim Ratio 2017-18 84.37%
    Net Earned Premium 2017-2018 Rs.1,516.87 crore
    Gross Written Premium 2017-2018 Rs.7,401.1 crore
    Covers Provided
    • Depreciation cover
    • Downtime protection
    • No claim bonus
    • Return to invoice
    • Emergency assistance wider cover
    • Cost of Consumables
    • Engine & gearbox
    • Quick claim settlement
    • Instantaneous purchase
    • Hassle free claim settlement
    • Host of discounts
    • Personal accident cover
    • Third-party cover
    • Loss or damage due to natural calamities
    • Loss or damage due to theft, fire, riots
    • 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 HDFC Ergo car insurance 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 SMSs. 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.

    4 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.


    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 Policies

    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
    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 6400+ 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 SMSs 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.


    1. Do I need to buy a separate third-party insurance policy even if I have a comprehensive car insurance policy?
    2. A comprehensive car insurance policy comes with the third-party liability insurance which is mandatory as per the Motor Vehicles Act, 1988. However, following the directive of the Supreme Court of India for insurers across the country to roll out the long-term third-party insurance policy, insurers have to now offer the long-term third-party insurance policy as a standalone policy. Hence, car owners will now have to buy the 3-year long-term third-party insurance policy as well as the own damage cover and personal accident cover that are inclusive in a comprehensive car insurance policy.

    3. Under what circumstances will I have to go for the reimbursement claim settlement?
    4. You will have to opt for the reimbursement claim settlement if following an accident, you’ve got the car serviced at a garage that is not listed by the HDFC ERGO. For the reimbursement claim settlement, the bills of the repairs for the damages caused to the car will have to be submitted to the insurer for reimbursement. The maximum claim amount one will receive will depend on the depreciation factor of the vehicle.

    5. Is the premium for a car insurance policy standard?
    6. For the third-party insurance policy, the premium rates are decided by the Insurance Regulatory Development Authority of India (IRDAI) - which varies based on the vehicle class. However, for comprehensive car insurance policies, the premiums differ based on numerous factors - the driving history of the policyholder, the age of the policyholder and the vehicle, the engine capacity of the vehicle, the location where the car will be driven, if the policyholder belongs to an automobile association, and his/her profession. Basically, when setting the premium for a car insurance policy, the insurer assesses the risk factor involved in insuring the vehicle owner when setting the premium rates.

    7. Where can I purchase a HDFC ERGO Car Insurance policy?
    8. You can purchase a HDFC ERGO car insurance policy either at the branch of the insurer or online on the website of HDFC ERGO. The car insurance premium can be paid online using one’s debit card, credit card or net banking account. Policyholders can even renew their car insurance policies online on the website of HDFC ERGO.

    9. How long does it take for a claim to be resolved by HDFC ERGO?
    10. For cashless claims, HDFC ERGO will take a few days to resolve the claim and make the payment to the network garage. However, this is following submission of relevant documents and the claim form and approval from HDFC ERGO. In the case of a reimbursement claim, the policyholder will have to submit the bills of the repairs to HDFC ERGO along with the policy document and relevant documents. Following approval, the claim amount will be reimbursed in a few business working days.

    News About HDFC ERGO Car Insurance

    • HDFC Ergo to open 100 more virtual offices in FY2020

      HDFC Ergo is planning to open 100 more virtual offices in the year 2019-20.

      The insurer has 125 virtual offices currently out of which 15 will be converted to brick and mortar offices. The insurance company will then open 100 more virtual offices.

      Virtual offices are single persons who sell insurance products using a tablet. These people are supposed to achieve a set target of Rs.3 crore annually. Once this target is achieved, the virtual office is converted into a brick and mortar office. The insurance company has over 225 virtual offices all over the country.

      6 May 2019

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