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  • 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
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for purchasing the policy with HDFC ERGO GENERAL INSURANCE but the premium is lower compared to the other policies added on that the IDV value is satisfactory in this policy. I had no claim experience with this policy and the basic coverage they have offered.
      Was this review helpful? 0
      , hassan
      Reviewed on Sep 21, 2018
    • HDFC Ergo Car Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      The reason is that HDFC ERGO GENERAL INSURANCE is a good policy so i have taken this policy but the premium is higher also the IDV value is lower when compared to the others. They have provided the policy coverage for basic and i am satisfied with this policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 21, 2018
    • HDFC Ergo Car Insurance
      "BEST POLICY"
      0.5 4.0/5 "Great!"
      There is a reason for taking the car insurance policy with HDFC ERGO GENERAL INSURANCE because of lower premium and also they have provided the policy coverage of basic added on that IDV value they offered is good. I had no claim experience with this policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 21, 2018
    • HDFC Ergo Car Insurance
      "Need to experience the policy"
      0.5 3.0/5 "Satisfactory"
      I have bought the car insurance policy with HDFC Ergo 3 months before for my wagon R car. I have got a call from the customer care service and explained me about the policy details. Its bumper to bumper covered policy and i can claim two times in a year. My dealer has provided me a car insurance with HDFC Ergo. My dealer has made the payment for my policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2018
    • HDFC Ergo Car Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am using the car insurance policy with HDFC ERGO GENERAL INSURANCE and i paid the premium 6200k which is nominal when compared to the others. They provide the policy coverage of basic and purchased this policy through online and had no claim experience with this policy.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Sep 19, 2018
    • HDFC Ergo Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      The difference of the premium amount is high in HDFC Ergo. I have got a very good discount and offer from them. I have got a nice services from them. When i bought the car, the dealer have provided the car insurance policy with HDFC Ergo. I paid a premium amount of Rs. 90 K for my car. I'm satisfied with the features and benefits of the policy. They have not guided about the no claim bonus.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 18, 2018
    • HDFC Ergo Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the car insurance policy with HDFC ERGO GENERAL INSURANCE since last 7 years. Premium i paid 10k and they have provided the policy coverage is for zero depreciation added on that road side assistance is also they are providing and it is a good to use.
      Was this review helpful? 0
      , delhi
      Reviewed on Sep 18, 2018
    • HDFC Ergo Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The reason for taking the car insurance policy with HDFC ERGO GENERAL INSURANCE is because of more coverage with lowest premium but i am not aware how much i have paid it. Policy coverage they have provided is for basic and i am satisfied with the policy.
      Was this review helpful? 0
      , guntur
      Reviewed on Sep 18, 2018
    • HDFC Ergo Car Insurance
      "Best policy according to the premium"
      0.5 4.0/5 "Great!"
      There was confusion about this products. When i taken the policy this was a first party insurance and after submitted the documents i have received a message that its a third party insurance. There was a certain problem when i took my policy. I raised a complaint regarding this and it has been resolved. Till now i didn't claim any amount. For my car insurance, their scheme is comparatively good in the market.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2018
    • HDFC Ergo Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the car insurance policy with HDFC ERGO GENERAL INSURANCE is because of lower premium when compared to the others added on that the premium i paid 11k approximately. The policy coverage they have offered is for basic coverage and it is a good policy to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 17, 2018
    • HDFC Ergo Car Insurance
      "BEST POLICY"
      0.5 4.0/5 "Great!"
      The reason for taking the policy with HDFC ERGO GENERAL INSURANCE because of lower premium added on that premium i paid 13k approximately. They provided the coverage of zero depreciation along with the road side assistance.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2018
    • HDFC Ergo Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken but till now i didn't use any services from them. Till now i have called their customer care. I don't remember about the IDV value. I have paid a premium amount of Rs. 10000 and i bought this HDFC Ergo car insurance policy 6 months ago.
      Was this review helpful? 0
      , indore
      Reviewed on Sep 17, 2018
    • HDFC Ergo Car Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My car insurance policy was taken in the month of March. The HDFC Ergo services are good thats the reason i have selected this policy. I have paid a premium amount of Rs. 4000. I have not avail the bumper to bumper services. They have offered me a IDV value below 2.6 lakhs. I have not claimed in this policy.
      Was this review helpful? 0
      , jorhat
      Reviewed on Sep 17, 2018
    • HDFC Ergo Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have purchased car insurance through HDFC ERGO GENERAL INSURANCE because of lowest premium when compared to the others. Premium approximately i paid 5500k and i had a claim for 2 times which is reimbursement and i got 70% of overall what i spent. I got my car after 7-8 days and the service is good.
      Was this review helpful? 0
      , sangamner
      Reviewed on Sep 17, 2018
    • HDFC Ergo Car Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      The particular reason for taking the policy with HDFC ERGO GENERAL INSURANCE is facilities are good when compared to the others. Premium i paid 13k and the IDV value is satisfactory they provided the coverage of zero depreciation and also it is a good policy to use.
      Was this review helpful? 0
      , rohtak
      Reviewed on Sep 17, 2018
    • HDFC Ergo Car Insurance
      "Good active service and no delay in claim. "
      0.5 5.0/5 "Blown Away!"
      I had taken one claim in April first week. Overall, very good experience with HDFC ergo since they are providing very good service. Whenever my policy will get expired and it falls for the due i will go with HDFC Ergo only because of the satisfied service provided by the company. It was not the cashless i have to pay money and i have to claim. Within one week of the car delivery, i have got my refund. They have offered 100% claim amount. This policy is having some additional benefits like some towing facility which is covered with most of the company
      Was this review helpful? 0
      , allahabad
      Reviewed on Sep 17, 2018
    • HDFC Ergo Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have purchased this HDFC Ergo because its very low premium and its having convenient garages. I have made a premium amount of Rs. 5000. I have never claimed anything by using this policy. I have got a cashless garage with bumper to bumper facility. Overall, I'm satisfied with the services as of now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2018
    • HDFC Ergo Car Insurance
      "Not recommendable policy"
      0.5 2.0/5 "Expected more"
      This is the worst insurance policy one. The customer care service is worst and they won't treat their customer properly. The MCB is given wrongly mentioned in policy the same is saying after 4 months. They have sent a letter by saying that they have reduced the MCB. I never experienced the claim.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 12, 2018
    • HDFC Ergo Car Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      I had no experience with HDFC Ergo Car Insurance and i have not encountered anything with them. I have purchased my car insurance policy last year which is my second renewal. Since people told that HDFC is not good i have moved from this company. I have made a premium amount of Rs. 11000. They have told me that its a cashless and the problem is the showroom people are not accepting for cashless in HDFC.
      Was this review helpful? 0
      , belgaum
      Reviewed on Sep 12, 2018
    • HDFC Ergo Car Insurance
      "Not recommendable policy"
      0.5 3.5/5 "Pretty good"
      They have said its zero depreciation policy but they have charged for fitting and they are having some hidden charges actually. The price was offering is pretty competitive hence i have chosen the same. They have offered me a cashless facility nearby my location. They have a separate processing also.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
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