"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
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Hdfc ergo. I am not satisfied with their service, the policy is OK but I have not taken any claim in past 2 years they are not giving no claim bonus despite of producing them the previous year docs. I clearly mentioned my last claim was in 2014.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2018
    • HDFC Ergo Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Hdfc ergo. I am not satisfied with their service, the policy is OK but I have not taken any claim in past 2 years they are not giving no claim bonus despite of producing them the previous year docs. I clearly mentioned my last claim was in 2014.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2018
    • HDFC Ergo Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Hdfc ergo. I am not satisfied with their service, the policy is OK but I have not taken any claim in past 2 years they are not giving no claim bonus despite of producing them the previous year docs. I clearly mentioned my last claim was in 2014.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2018
    • HDFC Ergo Car Insurance
      "Premium amount is affordable"
      0.5 3.0/5 "Satisfactory"
      I own a Car insurance policy from the HDFC ERGO GENERAL INSURANCE. My annual premium which is Rs. 3,493/- which is very reasonable. I had a good interaction with the customer care and they sorted all queries with in the call itself. My IDV is also reasonable which is Rs. 53,831/-.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 26, 2018
    • HDFC Ergo Car Insurance
      "Not satisfactory"
      0.5 5.0/5 "Blown Away!"
      I own a Car insurance policy from the top most private sector insurance company HDFC ERGO GENERAL INSURANCE. Most of all benefits are covered under one policy, no need to top up for a a particular benefit to my existing Car insurance policy. But i have a suggestion that they have a lot of hidden terms and conditions regarding for claim. I can prefer to online payments to renew my Car insurance policy with in due time. I had a good communication regarding new products and their updates.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 18, 2018
    • HDFC Ergo Car Insurance
      "service is not up to mark"
      0.5 3.5/5 "Pretty good"
      I own a car insurance policy from the Private sector insurance company HDFC ERGO GENERAL INSURANCE along with my vehicle. My annual premium amount is very affordable by comparing with my previous policies.I didn't get Hard copy of my policy document, Even i contacted the customer care.
      Was this review helpful? 0
      , dhanbad
      Reviewed on Mar 18, 2018
    • HDFC Ergo Car Insurance
      "good policy"
      0.5 4.0/5 "Great!"
      I own a Car insurance policy from the top most private sector insurance company HDFC ERGO GENERAL INSURANCE. Most of all benefits are covered under one policy, no need to top up for a a particular benefit to my existing Car insurance policy. I can prefer to online payments to renew my Car insurance policy with in due time. I had been getting good notifications regarding the new products and their updates.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 18, 2018
    • HDFC Ergo Car Insurance
      "Insuffecient services"
      0.5 2.0/5 "Expected more"
      I have taken a car insurance policy from a private sector company Hdfc Ergo. The policy coverage is not satisfactory as compared to other policies, the Idv could have been higher. The final premium is around Rs. 4,693 and Idv is around Rs. 1,08128.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2018
    • HDFC Ergo Car Insurance
      "Best Economic policy in the market"
      0.5 5.0/5 "Blown Away!"
      I found HDFC Ergo is best compared to other policy, I have taken Emergency Assistance Plan. They provide 24/7 road side assistance service however my one year premium around Rs. 7000. They gave me best policy coverage of Rs. 3.3 lakhs with third party, no claim bonus. features.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 13, 2018
    • HDFC Ergo Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I have many insurance policies with HDFC Ergo, therefore I took car insurance with them. The insured declared value is higher for Toyoto car, but the premium is far with other insurance company. But I am not sure about the cash less service in their service centers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 13, 2018
    • HDFC Ergo Car Insurance
      "Fully Protector Plan"
      0.5 4.0/5 "Great!"
      I took HDFC Ergo car insurance for one year, the premium was around Rs. 19,000. I have taken silver plan its zero depreciation its a complete protection on my vehicle. From front bumper to back bumper its covered, I can claim 100% of coverage, at the time of taking policy the executive told I can avail cash less service.
      Was this review helpful? 0
      ,
      Reviewed on Mar 13, 2018
    • HDFC Ergo Car Insurance
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      The customer service should able to speak in English and Hindi, HDFC Ergo dont have such kind of regional language option. But the policy cost is good around Rs. 3151 for my Maruthi suzuki wagon R. HDFC Ergo has cashless service and road side assistance.
      Was this review helpful? 0
      , dehradun
      Reviewed on Mar 13, 2018
    • HDFC Ergo Car Insurance
      "Good protection for four wheeler"
      0.5 5.0/5 "Blown Away!"
      I have HONDA CITY car hence I have paid the premium nearly Rs. 16,000. It almost same has same features like accidental coverage, road side assistance, no claim bonus feature. HDFC Ergo got tie up with wider garages in my location. They do have cash less service.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Mar 13, 2018
    • HDFC Ergo Car Insurance
      "Good protection for four wheeler"
      0.5 5.0/5 "Blown Away!"
      HDFC Ergo IDV value is good for my vehicle, even the premium is also competitive. I made the premium cost around Rs. 13,000 for the tenure of one year. I have insured my Hyundai I 10 vehicel which has third party cover, road side assistance, cashless service.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Mar 13, 2018
    • HDFC Ergo Car Insurance
      "Very good policy "
      0.5 5.0/5 "Blown Away!"
      I have a car insurance policy from Hdfc Ergo. The policy seems to be fine I haven't faced any issues with the policy, the processing was done on time and policy coverage also seems to be good. The final premium is around Rs. 18,305 and Idv is around Rs. 6,40,000.
      Was this review helpful? 0
      , chhachharauli
      Reviewed on Mar 13, 2018
    • HDFC Ergo Car Insurance
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      I had a claim with HDFC Ergo for Honda Accord car, it was very minor damage on left side bumper and head light broken. I got good cash less service from HDFC Ergo, they have repaired it well and it was on time. The premium and service provided by them is good.
      Was this review helpful? 0
      , pusad
      Reviewed on Mar 12, 2018
    • HDFC Ergo Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken my car insurance policy from Hdfc Ergo, the policy is satisfactory as I did not find any issues with the policy. The final premium amount I paid is around Rs. 22,586 and Idv I was recieving on my vehicle is around Rs. 10,00,000. I would like to say it is an average policy.
      Was this review helpful? 0
      , thane
      Reviewed on Mar 10, 2018
    • HDFC Ergo Car Insurance
      "good experience"
      0.5 4.0/5 "Great!"
      I had a Car insurance policy from the Top most insurance company HDFC ERGO GENERAL INSURANCE. They had sent my policy document to my registered mail id. For hard copy i contacted the customer support but there is no response from their end. Even i sent a mails also. My annual premium amount is Rs. 6,133 which is very reasonable.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 07, 2018
    • HDFC Ergo Car Insurance
      "affordable premium"
      0.5 3.0/5 "Satisfactory"
      I had a car insurance policy from the Top most private sector insurance company HDFC ERGO GENERAL INSURANCE through a online partner. My annual premium amount is Rs. Rs. 18,098 which i feels affordable by comparing previous policy. Most of all benefits are covered under this policy.
      Was this review helpful? 0
      , solan
      Reviewed on Mar 07, 2018
    • HDFC Ergo Car Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance policy taken from Hdfc Ergo. The policy is good and satisfactory. My total premium is around Rs. 8,000 and Idv is around Rs. 2,20,000. I am satisfied with the premium amount I paid and the Idv also what I am receiving on my car.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 07, 2018
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