HDFC ERGO Car Insurance

357 reviews Rate This
    Network Garages6,800+
    Claim Settlement Ratio91.23%
    Emergency AssistanceAvailable 24/7
    Number of Cutomers1.3 crore+
    AccreditioniAAA Rating by ICRA
    Presence 106+ Cities

    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 and 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 car insurance, bike 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 106+ Indian cities. HDFC ERGO General Insurance Company Limited operates in 120+ branches.

    HDFC ERGO Car Insurance

    HDFC ERGO General Insurance offers three types of car insurance policies namely third-party car insurance plan, standalone own-damage car insurance plan, and comprehensive car insurance plan. These car insurance policies offer the insured cover against third party expenses, accident, fire and explosion, theft, natural and man made calamities, towing expenses, towing and damage expenses, and so on. Car insurance policies offered by HDFC ERGO General Insurance give your car the all-round coverage that it deserves.

    In addition to third-party car insurance plans, the rest come with a variety of add-on car insurance covers to boost your insurance coverage such as zero depreciation cover, return to invoice, no claim bonus protection cover, downtime protection, emergency assistance cover, engine and gearbox protection, and so on. You can opt for these add-on covers by paying a little extra premium amount in addition to your basic car insurance policy premium amount.

    By purchasing a car insurance plan from HDFC ERGO General Insurance you unlock various beneficial facilities for you which comprise overnight repair service, instant issuance of car insurance plan, anytime roadside assistance, wide cashless garage network, and so on. The insurer is a renowned name in the market which is widely appreciated for its cost efficient car insurance policies at the most affordable rates.

    Significant Points of HDFC ERGO Car Insurance



    Third Party Property Damage

    Up to Rs. 7.5 Lakh

    Own Damage Cover

    Coverage for Own Car for Its Loss and Damage

    Personal Accident Cover

    Up to Rs. 15 Lakh

    Add-on Covers

    12 Add-on Covers

    Claim Assistance

    24/7 Claim Assistance

    What is your car's brand?

    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    When did you buy your car?
    Have you made a claim in the previous year?

    Benefits of HDFC ERGO Car Insurance

    • A wide network of 6,800 garages
    • 24/7 emergency assistance is available
    • Paperless insurance procedures are offered
    • Offers the option of making unlimited claim requests
    • Provides the facility of policy renewal without inspection.

    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

    It's 8 step simple process,Hassle FREE
    • 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.

    545 Hdfc Ergo Cashless Garages in India

    Must Read Articles before buying Hdfc Ergo Car Insurance

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    Insurance Products by Hdfc Ergo General Insurance

    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.

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 11.5 Lac happy customers
    • Claim Support available all 7 days of the week

    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

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    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.

    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.