HDFC ERGO Car Insurance

384 reviews Rate This
Highlights
    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

    Features

    Coverage

    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

    Calculate Your Car Insurance

    Select your car's brand
    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    When did you buy your car?
    20052019
    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

    HDFC ERGO Car Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Most Helpful
    • Compare
    • Price
    • Cashless Garages
    • Comprehensive
    • Claim
    • Renew
    • Premium
    • NCB
    • Best way to find the best insu...

      I visited the InsuranceDekho portal to find an insurance plan for my Toyota Glanza car. I got an upgraded list...

      Read More
      R
      By Ramesh Chandra
      On: August 4, 2021
    • Affordable premium rates

      The InsuranceDekho portal offers car insurance plans at economical premium costs. I purchased a HDFC ERGO car ...

      Read More
      S
      By Satvir Singh
      On: August 2, 2021
    • Exceptional help and guidance

      The InsuranceDekho platform is an exceptional place for insurance seekers. It has a team of insurance experts ...

      Read More
      A
      By Ashish Pradhan
      On: July 28, 2021
    • Multiple add-on covers

      I purchased a HDFC ERGO car insurance plan from the InsuranceDekho portal to secure my Maruti ciaz car. I am v...

      Read More
      S
      By Sumit Kakkar
      On: July 26, 2021
    • Smooth online payment

      While doing the purchase or renewal of car insurance online, the payment gateway should be secure. I was glad ...

      Read More
      By Ishant Khatri
      On: July 23, 2021
    • Helpful support team

      I was unable to understand some points of my HDFC ERGO car insurance plan which I purchased for my Ford Figo c...

      Read More
      S
      By Suyash Raina
      On: July 21, 2021
    • Awesome experience

      I am thankful to InsuranceDekho company for letting me experience the best first-time policy I could ever have...

      Read More
      N
      By Nitish Pandit
      On: July 19, 2021
    • Best Experience

      Very great experience I got best insurance with great premium . Insurance adviser (Siddharth ) was very calm d...

      Read More
      M
      Hyundai Santro Xing New Delhi
      By MANOJ KUMAR BHATI
      On: July 17, 2021
    • Automated chat box

      I utilised the chat box facility available on the InsuranceDekho platform to query about the add-on covers and...

      Read More
      T
      By Tushar Garg
      On: July 16, 2021
    • Easy renewal process

      It was quite easy to renew my HDFC ERGO car insurance policy that I purchased for my Hyundai Venue car on the ...

      Read More
      S
      By Shikhar Nagar
      On: July 14, 2021
    • Best way to find the best insu...

      I visited the InsuranceDekho portal to find an insurance plan for my Toyota Glanza car. I got an upgraded list...

      Read More
      R
      By Ramesh Chandra
      On: August 4, 2021
    • Affordable premium rates

      The InsuranceDekho portal offers car insurance plans at economical premium costs. I purchased a HDFC ERGO car ...

      Read More
      S
      By Satvir Singh
      On: August 2, 2021
    • Exceptional help and guidance

      The InsuranceDekho platform is an exceptional place for insurance seekers. It has a team of insurance experts ...

      Read More
      A
      By Ashish Pradhan
      On: July 28, 2021
    • Multiple add-on covers

      I purchased a HDFC ERGO car insurance plan from the InsuranceDekho portal to secure my Maruti ciaz car. I am v...

      Read More
      S
      By Sumit Kakkar
      On: July 26, 2021
    • Smooth online payment

      While doing the purchase or renewal of car insurance online, the payment gateway should be secure. I was glad ...

      Read More
      By Ishant Khatri
      On: July 23, 2021
    • Helpful support team

      I was unable to understand some points of my HDFC ERGO car insurance plan which I purchased for my Ford Figo c...

      Read More
      S
      By Suyash Raina
      On: July 21, 2021
    • Awesome experience

      I am thankful to InsuranceDekho company for letting me experience the best first-time policy I could ever have...

      Read More
      N
      By Nitish Pandit
      On: July 19, 2021
    • Automated chat box

      I utilised the chat box facility available on the InsuranceDekho platform to query about the add-on covers and...

      Read More
      T
      By Tushar Garg
      On: July 16, 2021
    • Easy renewal process

      It was quite easy to renew my HDFC ERGO car insurance policy that I purchased for my Hyundai Venue car on the ...

      Read More
      S
      By Shikhar Nagar
      On: July 14, 2021
    • No paperwork required

      My journey of buying car insurance from InsuranceDekho went smoothly. I did not have to do any paperwork while...

      Read More
      J
      By Jignesh Mehra
      On: July 12, 2021
    • Authentic information on claim...

      From the website of InsuranceDekho, I found authentic information on claim settlement ratios of the topmost in...

      Read More
      S
      By Satish Parekh
      On: June 21, 2021
    • Simple comparison tool availab...

      InsuranceDekho has an innovative tool called the premium calculator. It helps to compare insurance policy prem...

      Read More
      A
      By Aditi Nandy
      On: April 23, 2021
    • Obtained quotes in a jiffy

      I obtained car insurance policy quotes in a jiffy on InsuranceDekho. I just mentioned the registration number ...

      Read More
      S
      By Shatabdi Chakraborty
      On: April 21, 2021
    • Renewal in 3 steps

      My Jaguar F-Type’s HDFC ERGO car insurance policy’s expiry date was nearing and I was up for renewal. I gave s...

      Read More
      S
      By Sreemoyi Ghatak
      On: April 19, 2021
    • Policies fit for individual re...

      InsuranceDekho accentuates individual requirements. The policy list available here is designed to fit in with ...

      Read More
      V
      By Vashisht Mehra
      On: March 26, 2021
    • Perfect buying guide

      InsuranceDekho is the perfect buying guide that shows various profitable directions and allows the customers t...

      Read More
      T
      By Tripti Samuel
      On: March 3, 2021
    • Best deals and Easy payment

      Best deals as compared to any other insurance aggregator. Easy to compare and pay. No hassles after payment, r...

      Read More
      A
      Maruti S-Cross 2015-2017 Pune
      By ARUNIMA MAZUMDAR
      On: January 5, 2021
    • Time saver website

      Truly grateful to InsuranceDekho for making my Mercedes Benz S-Class insurance policy issuance so quick and ha...

      Read More
      S
      By Sharmishtha Ganguly
      On: December 8, 2020
    • Easy comparison of policies

      InsuranceDekho has made comparing insurance policies easier. I could easily compare different insurance polici...

      Read More
      S
      By Soumen Maity
      On: November 3, 2020
    • Get instant quotes

      InsuranceDekho provides premium quotes very easily. I just had to fill in the registration number of my Mahind...

      Read More
      A
      By Amrita Gokhle
      On: October 29, 2020
    • Assisted to calculate IDV

      Before purchasing the HDFC ERGO car insurance policy for Mahindra Scorpio, I took InsuranceDekho’s assistance ...

      Read More
      L
      By Leena Bhattacharya
      On: June 14, 2021
    • Unbeatable policy coverage

      Unbeatable policy coverage provided by InsuranceDekho was a major factor why I chose the platform to insure my...

      Read More
      S
      By Sunetra Basu
      On: January 22, 2021
    • Budget-friendly policies

      I wanted to buy a reasonably priced policy for my Maruti Alto. I landed on InsuranceDekho. It provided me with...

      Read More
      U
      By Udita Acharya
      On: November 5, 2020
    • Amazing policy

      I really liked my HDFC Ergo policy which I purchased for my Honda City car last week from InsuranceDekho. The ...

      Read More
      S
      By Samar Joshi
      On: July 2, 2020
    • Reliable services at reasonabl...

      The InsuranceDekho team advised me to buy an HDFC ERGO insurance plan that offered me value for money policies...

      Read More
      S
      By Suchit Bisht
      On: June 1, 2020
    • Excellent platform for insuran...

      Insurance Dekho is one of the best online insurance platforms available. It assisted me in finding an HDFC ERG...

      Read More
      P
      By Puneet Sharma
      On: April 15, 2020
    • Value for money deal

      The Insurance Dekho offered me an insurance plan at the best price. I wanted a low premium deal for my new car...

      Read More
      A
      By Ameesh Rana
      On: March 9, 2020
    • Offers great plans

      With HDFC ERGO, I managed to find the insurance policy at an affordable price. They offered me the coverage I ...

      Read More
      M
      By Manish Gupta
      On: March 6, 2020
    • Easy and time-saving procedure

      When I was about to buy a car, I was anxious regarding the insurance plan. Insurance Dekho helped me by provid...

      Read More
      N
      By Nandini Aich
      On: February 12, 2020
    • Invoice Cover Add-on

      I claimed the showroom price of my Chevrolet Spark as my car was insured under the comprehensive car policy wi...

      Read More
      L
      By Lucie Grey
      On: December 30, 2019
    • Exclusive policy options

      InsuranceDekho provides exclusive policy options that align well with each customer’s individual purposes. I w...

      Read More
      R
      By Rumi Sharma
      On: July 5, 2021
    • Filed for claim easily

      Filing for a cashless claim under HDFC ERGO Comprehensive car insurance policy to repair a damaged engine of M...

      Read More
      S
      By Surajit Pandya
      On: July 2, 2021
    • Emphasises unique preferences

      Buying HDFC ERGO Comprehensive car insurance policy from InsuranceDekho made me feel privileged as here all my...

      Read More
      T
      By Titir Vaidya
      On: June 30, 2021
    • Learned how to change add-on c...

      I bought Roadside Assistance add-on cover under HDFC ERGO Comprehensive car insurance policy issued for Merce...

      Read More
      A
      By Anwesha Chakrabarty
      On: June 25, 2021
    • Quotes generation in a jiffy

      Quote generation for Maruti WagonR was done in a jiffy on InsuranceDekho. I simply mentioned the required deta...

      Read More
      V
      By Vicky Bose
      On: June 7, 2021
    • Remarkable recommendations

      When I was struggling to decide on which type of policy to choose for my Skoda Rapid, InsuranceDekho provided ...

      Read More
      A
      By Animesh Haldar
      On: April 30, 2021
    • Maximum online policy support

      I am a policyholder of HDFC ERGO Comprehensive car insurance policy for my Tata Vista since last year. The pol...

      Read More
      S
      By Sreyashi Gupta
      On: April 26, 2021
    • Got to know claim status

      I made a claim under HDFC ERGO Comprehensive car insurance policy for my Renault Duster on InsuranceDekho. I r...

      Read More
      P
      By Purbi Manna
      On: April 21, 2021
    • Helped to renew on time

      Every year I get a renewal reminder a few days before the expiry of my HDFC ERGO Comprehensive car insurance p...

      Read More
      P
      By Pranabesh Chakrabarty
      On: April 16, 2021
    • Remarkable policy benefits

      I was offered some remarkable policy benefits on InsuranceDekho while issuing HDFC ERGO Comprehensive car insu...

      Read More
      S
      By Sumedh Sabharwal
      On: April 14, 2021
    • Smooth online payment

      While doing the purchase or renewal of car insurance online, the payment gateway should be secure. I was glad ...

      Read More
      By Ishant Khatri
      On: July 23, 2021
    • Easy renewal process

      It was quite easy to renew my HDFC ERGO car insurance policy that I purchased for my Hyundai Venue car on the ...

      Read More
      S
      By Shikhar Nagar
      On: July 14, 2021
    • Learned how to change add-on c...

      I bought Roadside Assistance add-on cover under HDFC ERGO Comprehensive car insurance policy issued for Merce...

      Read More
      A
      By Anwesha Chakrabarty
      On: June 25, 2021
    • Operating completely digitally...

      To make all kinds of policy services digitally accessible to its customers, InsuranceDekho is operating comple...

      Read More
      M
      By Madhav Gupta
      On: April 28, 2021
    • Resourceful platform

      Reliable information on insurance companies, services like policy issuance, renewal and claim settlement make ...

      Read More
      S
      By Sanjukta Kundu
      On: April 27, 2021
    • Renewal of car insurance

      Very good experience. Will highly recommend for future use. The whole procedure was very smooth and got online...

      Read More
      N
      Hyundai i20 Active Pune
      By NIRANJAN DAMODAR SONTAKKE
      On: April 22, 2021
    • Renewal in 3 steps

      My Jaguar F-Type’s HDFC ERGO car insurance policy’s expiry date was nearing and I was up for renewal. I gave s...

      Read More
      S
      By Sreemoyi Ghatak
      On: April 19, 2021
    • Helped to renew on time

      Every year I get a renewal reminder a few days before the expiry of my HDFC ERGO Comprehensive car insurance p...

      Read More
      P
      By Pranabesh Chakrabarty
      On: April 16, 2021
    • Helped to renew on time

      Every year I get a renewal reminder a few days before the expiry of my HDFC ERGO Comprehensive car insurance ...

      Read More
      P
      By Pranabesh Chakrabarty
      On: April 14, 2021
    • Easily switched policy

      I wanted to switch my insurance company as my existing plan was not enough. When the renewal period came, I ca...

      Read More
      S
      By Sunirmal Bhattacharya
      On: March 23, 2021
    • Affordable premium rates

      The InsuranceDekho portal offers car insurance plans at economical premium costs. I purchased a HDFC ERGO car ...

      Read More
      S
      By Satvir Singh
      On: August 2, 2021
    • Awesome experience

      I am thankful to InsuranceDekho company for letting me experience the best first-time policy I could ever have...

      Read More
      N
      By Nitish Pandit
      On: July 19, 2021
    • Best Experience

      Very great experience I got best insurance with great premium . Insurance adviser (Siddharth ) was very calm d...

      Read More
      M
      Hyundai Santro Xing New Delhi
      By MANOJ KUMAR BHATI
      On: July 17, 2021
    • Simple comparison tool availab...

      InsuranceDekho has an innovative tool called the premium calculator. It helps to compare insurance policy prem...

      Read More
      A
      By Aditi Nandy
      On: April 23, 2021
    • Information on Pay As You Driv...

      I am an HDFC ERGO policyholder for my Mahindra Scorpio. I got to know about the Pay as You Drive policy on Ins...

      Read More
      By Pawan Duggar
      On: March 24, 2021
    • Various policy types

      I came to InsuranceDekho and generated my quotes for my Honda Amaze. The premium offered by HDFC ERGO fitted m...

      Read More
      T
      By Trisha Bharti
      On: February 17, 2021
    • Accommodating customer care te...

      The customer team of InsuranceDekho was very accommodating. I was looking for a befitting insurance plan for m...

      Read More
      D
      By Debojyoti Mukherjee
      On: February 8, 2021
    • Premium calculator is handy

      I was using the premium calculator at the time of purchasing HDFC ERGO car insurance policy on InsuranceDekho....

      Read More
      P
      By Payel Seth
      On: February 1, 2021
    • Maximum coverage at affordable...

      The car insurance plans available on InsuranceDekho offers maximum coverage at affordable premiums. I bought H...

      Read More
      S
      By Surendra Bali
      On: January 27, 2021
    • Numerous plans

      My first visit to InsuranceDekho has been awesome. I have never come across such a website. Variety of insuran...

      Read More
      A
      By Aniket Poddar
      On: January 20, 2021

    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

    Car Insurance News

    • Latest
    • Popular

    Disclaimer

    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.