HDFC Ergo Car Insurance

176 reviews Rate This
  • 94% claim settlement ratio
    Check in your City
  • Awarded IAAA rating by ICRA:This implies that it has one of the highest claim paying ability
  • 6800+ Cashless garages.
  • Round the clock support

About HDFC ERGO Car Insurance

HDFC ERGO General Insurance Company Limited is an alliance between HDFC Ltd. and ERGO International AG. ERGO is a part of Munich Re Group, a Germany based company with 49% holdings in the partnership. HDFC (The Housing Development Finance Corporation) on the other hand enjoys a majority of 51% of the holdings. The joint venture was formed in the year 2002. The firm is often reckoned as a public company. However, it is categorized as an Indian Non-Government company.

HDFC ERGO offers a wide range of products in the market. Retail products like motor insurance, health insurance, travel insurance, personal accident and home insurance are provided. The list does not end here. From rural products like crop insurance and Gramin Suraksha Bima to commercial products like liability insurance, engineering insurance, and property insurance, HDFC ERGO introduces a varied range of products.

The company certainly ranks as one of the big names in the country’s private sector of general insurers. HDFC ERGO envisions to be one of the finest and most valued insurers in the business. Prompt response to customer needs is one of the key features of the company’s services. The firm is headquartered in Mumbai with its presence in 101 Indian cities. HDFC ERGO General Insurance Company Limited operates in 127 branches.

Which car do you drive?

When did you buy your car?
Have you made a claim in the previous year?

Benefits of Car Insurance

  • Car insurance protects you against major financial loss in case of an accident or a physical damage.
  • Having an insurance comes of great use to survivors in case of death or severe injury.
  • Motor insurance cover for all expenses of repairs and damages caused due to accidents and collisions.
  • Expenses of lawsuits and legal fees in case of accidents are also covered by insurance.
  • Enjoy stress-free driving and freedom from being pulled up with a car insurance in hand.

HDFC ERGO Car Insurance Add-Ons

  • Zero Depreciation

    Value of cars depreciate with time. Wear and tears are obvious when a car is in use. Opting for a zero-depreciation cover allows you to enjoy maximum claim fund without factoring depreciation.

  • Emergency Assistance Cover

    Emergency assistance is one of the key add-ons introduced by HDFC ERGO. This cover helps you with services such as on site repair in case of minor damages, battery jump start, lost/duplicate keys, urgent fuel requirement, towing etc

  • No Claim Bonus Protection

    For each claim free policy tenure a customer gets discounts in premium. No claim bonus protector helps protect your No claim bonus in case you have taken a claim. Please check the detailed terms & conditions before purchasing the same

  • Engine and Gear Box Protector

    A comprehensive car insurance does not cover damages in a vehicle’s engine or gear box. Opting for this protector saves you from the expenses of engine breakdown or gear-box repair services. Issues in a car engine could be due to water-logging, oil leakages and consequences of accidents. Paying for it could cost you riches. Therefore, choosing an engine and gear box cover comes in pretty handy.

  • Down Time Rider

    This can also be described as a smart add-on. If your vehicle is in a garage for quite a long time or your car has been subjected to theft and you are waiting for a long period, the down time rider pays for all expenses related to traveling and commutation

HDFC ERGO Car Insurance Claims Process

  • 1

    Intimate Your Insurance Company

    Call HDFC ERGO’s helpline number 1800-2700-700 and register the claim. Or, visit the workshop and intimate the insurer.
  • 2

    Visit the Workshop

    You can either get your vehicle towed to the nearest workshop or garage or drive the same.
  • 3

    The Survey Process Starts

    A surveyor is appointed within 24-48 working hours, after the claim is intimated to the insurance company.
  • 4

    Documentation Process Starts

    Documents like RC, DL, Policy Copy, PAN Card, Claim Intimation Form, Aadhar Card and a Repair Estimate must be provided to the insurer.
  • 5

    Survey is Completed

    Detailed survey of the vehicle is completed within 24-48 working hours by the surveyor.
  • 6

    Verdict By The Surveyor

    Post survey, the surveyor approves or rejects the claim. Repair works commence on approval.
  • 7

    Deliver Order is Issued

    On successful completion of repair works, final survey is done and the delivery order is released.
  • 8

    Non-Cashless - Is There A Difference?

    You will pay repair costs to the garage. The claim amount is then reimbursed.

546 Hdfc Ergo Cashless Garages in India

HDFC ERGO Car Insurance User Reviews

176 reviews Write a Review
  • Amazing services of InsuranceDekho

    InsuranceDekho not only has a great team but offers you the most suitable car insurance plans too. I purchased an HDFC Ergo car insurance plan for my ...

    Read More
    Jayant Makhija
    On: July 13, 2020 | Views
  • Quick process to buy

    I bought a new Maruti Suzuki Swift car last month and was looking for a reliable car insurance policy. I bought HDFC ERGO’s policy from InsuranceDekho...

    Read More
    Armaan Basu
    On: July 9, 2020 | Views
  • Great customer care support

    I was looking for a reliable car insurance policy for my Volkswagen Polo car and contacted the customer care executives at InsuranceDekho for the same...

    Read More
    Rajiv Wadhwa
    On: July 8, 2020 | Views
  • Took me a few minutes to buy

    InsuranceDekho executives are very cooperative and helped me to purchase HDFC Ergo car insurance policy for my Maruti Suzuki Dzire car. This process t...

    Read More
    Mukesh Malhotra
    On: July 8, 2020 | Views
  • Easy to renew with InsuranceDekho

    The process of renewing my HDFC Ergo car insurance policy that I bought from InusranceDekho for my Honda City car was a really smooth and easy process...

    Read More
    Amrit Khanna
    On: July 6, 2020 | Views

HDFC ERGO Car Insurance FAQs

  • What is car insurance? Why trust HDFC ERGO?

    car insurance is a contract between you and an insurance company. It safeguards you from a financial loss in case of an accident or physical damage due to collision. In addition to this, having a motor insurance offer financial security against theft or damage of vehicles. HDFC ERGO is a brand you can bank upon. No wonder, the company has a whopping count of 10 million and more customers.


    car insurance is a contract between you and an insurance company. It safeguards you from a financial loss in case of an accident or physical damage due to collision. In addition to this, having a motor insurance offer financial security against theft or damage of vehicles. HDFC ERGO is a brand you can bank upon. No wonder, the company has a whopping count of 10 million and more customers.

  • Do you need car insurance?

    In India, it is mandatory to have a car insurance if you wish to drive your vehicle on roads. Having a third-party liability insurance is a must.

  • HDFC ERGO – what are the different types of car the company covers?

    As per the Motor Vehicles Act, every vehicle plying on Indian roads must be secured with at-least a third-party liability insurance. HDFC ERGO offer scalable and well-thought insurance protection plans for both new and used cars.

  • What are the various types of car insurance policies available in HDFC ERGO?

    comprehensive insurance policy


    Typically, there are two types of car insurances policies to choose from – a third party liability policy and a comprehensive insurance policy

  • What are the exclusions in a HDFC ERGO car insurance policy?

    Not every little damage repaired is borne by the company. Things like electrical breakdown, depreciation of parts, general wear and tear, damage caused due to collisions under the influence of alcohol or inflicted man-made calamities are not covered by HDFC ERGO.

Exclusive Benefits

  • Benefits of zero depreciation coverage.
  • Access to roadside assistance.
  • Provide emergency assistance.
  • Protection cover for gear box and engine.
  • A trusted brand covering car insurance needs at its best.

HDFC ERGO Car Insurance Contact Details

For any assistance or query, call us on

HDFC ERGO Car Insurance Policy Wording

  • 1.6 MB
  • PDF Document
  • March 14, 2019

Latest Car Insurance News


Every detail provided on this website is for information purposes only. Insurancedekho under no circumstances, endorse the information provided. However, we are constantly doing our best to keep our privileged customers up-to-date with neutral and factual information.