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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
      "Process is good"
      0.5 5.0/5 "Blown Away!"
      The process was good to get the car insurance policy from HDFC Ergo. They sent me the policy documents on time. The policy coverage value is fine too. The premium cost is good and there are good benefits as well. I have informed them to change the model of the vehicle in the paper work from TOYOTA ETIOS LIVA G 1197 CC to TOYOTA ETIOS LIVA V 1197 CC. It is yet to be updated.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Nov 16, 2018
    • HDFC Ergo Car Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      HDFC Ergo has a good policy coverage value for the car insurance but the premium is on the higher side. The main reason I chose them is because they do not have a limitation for a claim. I can claim how many ever times. I am yet to use the policy to know how exactly it works. They also have a road side assistance and a wider network of garages.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 11, 2018
    • HDFC Ergo Car Insurance
      "Claim Experience is good"
      0.5 5.0/5 "Blown Away!"
      I had a claim experience with HDFC ERGO for the car insurance policy. They treated me well and they passed the claim immediately without any FIR. They done it with the existing paper work. The customer support and response is good and the policy coverage is fine too and the premium is normal.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 09, 2018
    • HDFC Ergo Car Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      The process was good at HDFC Ergo. The process was easy and hassle free. I got the policy papers on time for the car insurance, I got it in an hour. The policy coverage is good and the premium is normal, when compared to the other companies. That is one of the reasons I have chosen this provider.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 08, 2018
    • HDFC Ergo Car Insurance
      "Good in all"
      0.5 4.0/5 "Great!"
      I did not continue with HDFC Ergo for the car insurance because the policy coverage is less. Though the premium is normal, the coverage should be better. The customer services and response is good and there are no hassles in the overall process.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 08, 2018
    • HDFC Ergo Car Insurance
      "Easy to approach"
      0.5 4.0/5 "Great!"
      There was no claim, as of now everything is okay. I just took policy for RTO purpose, they gave me good coverage value for my vehicle. I took third party plan which its includes personal accidental cover. HDFC Ergo is easy to approachable always.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Worst policy"
      0.5 1.0/5 "Really Bad"
      I'm not satisfied with HDFC ergo. Because no welcome call or no response from the HDFC Ergo. I have called the insurance company at night time but i have not received any response from the company. My car insurance policy will expire on January and i will not continue the policy with the same company.
      Was this review helpful? 0
      , varanasi
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Good Product"
      0.5 4.0/5 "Great!"
      I would say HDFC Ergo, coverage benefits are good under the plan, the premium was reasonable for the tenure of one year. I took comprehensive silver plan, its covers for co passengers, driver etc and also they have cash less service also damages.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Satisfactory policy"
      0.5 5.0/5 "Blown Away!"
      I have just made a claim still now the vehicle is not delivered. There is no reason for choosing the HDFC Ergo company for my car. I don't remember amount what i paid. The garage facility has to be improved and its available after 50 kms of my locality. Since its a major accident, it took 2 months to get the settlement. Since the car is more than 5 years, i have to pay 30% of the claim from my pocket.
      Was this review helpful? 0
      , palakkad
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have selected the HDFC Ergo company because as per the market the company is good. I made a premium amount of Rs. 15000 and they have offered me a satisfied coverage amount. The documentation was done through online. They have provided the facilities of road side assistance. I never faced any troubles with the policy.
      Was this review helpful? 0
      , vizianagaram
      Reviewed on Oct 30, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I'm not sure much about the policy. I just went for online and i purchased this policy. Because of the claim ratio i have selected this policy. I've paid the premium amount of Rs. 6000 and they have offered me a coverage value of Rs. 1 lakhs and I'm happy about that. I got the documents of soft copy online and i have not received the hard copy.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 30, 2018
    • HDFC Ergo Car Insurance
      "Easy to purchase a policy"
      0.5 5.0/5 "Blown Away!"
      When i checked in the online, the quotation was fine hence i opted for HDFC Ergo for my car insurance. Around Rs. 7000 i have paid as premium amount. Last November i have taken this policy. I got the facilities of Bumper to bumper, road side assistance and no claim bonus. I have received the hard copy after 2 weeks to my residential address.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 30, 2018
    • HDFC Ergo Car Insurance
      "Covenient to avail it"
      0.5 5.0/5 "Blown Away!"
      For Availing the insurance and customer care service is very good. I have selected the HDFC Ergo because i read the reviews of HDFC Ergo. I pay the premium amount of Rs. 15000 around and i have got a satisfied coverage amount. This is a third party insurance which covers for the passengers also. The documentation process was smooth.
      Was this review helpful? 0
      , lohardaga
      Reviewed on Oct 30, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have not continued the policy with HDFC ergo because the premium is higher. I have purchased the policy through Internet. On the basis of premium, claim ratio and the vehicle value i have chosen. I opted for bumper to bumper facility. The documentation was process was good enough. I never faced any problems with the policy
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 30, 2018
    • HDFC Ergo Car Insurance
      "Policy is comparatively Good"
      0.5 4.0/5 "Great!"
      I never claimed anything purposely so far. Actually they have given a low cost compared to other companies hence i have chosen the HDFC Ergo. They have provided the insurance amount of Rs. 11000 approximately and its less of Rs. 3000 compared to other companies. They have offered me a road side assistance and i have got a 30% no claim bonus. The documentation process was smooth and i have submitted the documents whatever they asked me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 30, 2018
    • HDFC Ergo Car Insurance
      "Don't buy this policy"
      0.5 1.0/5 "Really Bad"
      It was very rare to find the garages in my locality. Well i made and filed the complaint regarding the claim. They could not resolve the query and they have said this was the only i can claim. Front of my car is not covered when i apply for my claim. I try to reach them in face book but no one was trying to understand my concern and i literally planning to file a complaint against HDFC Ergo. I escalated with concern authorities.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 30, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I found this is good plans in terms of premium and coverage amount. I have purchased the policy last year. They are given the bumper to bumper facility for my car. As of now i have not renewed the policy after a long time i have purchased this policy with HDFC ergo company.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 30, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      While i purchase the policy, HDFC ergo is the best company to choose. They have given very good IDV value for the car. Last year i have purchased this policy. The premium amount was nominal. Overall, I'm very much satisfied with HDFC ergo services.
      Was this review helpful? 0
      , faridabad
      Reviewed on Oct 29, 2018
    • HDFC Ergo Car Insurance
      "Good Service Provider"
      0.5 3.0/5 "Satisfactory"
      I am an existing customer of HDFC Ergo for past three years, So far there is no issue, in terms of coverage its based on the market rate. Over all experience is easy dealing with one person, they guide me with the process and they give reminder call before the due date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 29, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      Still i have not received the hard copy of the documents in my residential address. I don't have any problem with the policy so far. Rate wise the HDFC Ergo policy is good. They have offered me a satisfied coverage amount. Since its a zero depreciation policy, they have covered all the parts of the vehicle.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 29, 2018
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