HDFC ERGO Car Insurance

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 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

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

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.

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

Typically, parts such as nuts, bolts, AC gas etc which are termed as consumables are not covered in a car insurance policy until you opt for this add-on. In certain cases, these may amount to a large value and you may feel the pinch in case you have not opted for this cover. Hence, opting for this cover makes sense as it does not cost much but is very useful in case of claims

**Conditions are subjected to change depending upon the insurance company.**

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.

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.

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.

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

Having a third-party liability cover is enough to drive your vehicle on-road. However, damages caused due to collision, fire, theft, earthquake or any other factor could incur hefty financial loss. Third party insurance offer zero financial aid in such circumstances. What comes in handy is a comprehensive car insurance cover. Therefore, it is recommended to buy a comprehensive insurance plan from HDFC ERGO.

Describing ‘No Claim Bonus’ as an incentive for achieving a claim-free year is appropriate. It is a discount given in Own Damage premium payable while renewing your car insurance policy after a year. Let’s quickly take a sneak-peak at the % discount you can win in the form of a No Claim Bonus

IDV or Insured Declared Value is best described as the sum insured of the vehicle that is fixed upon at the beginning of a policy period for an insured vehicle.

Emergency assistance is an add-on that must be coupled with an insurance cover at an additional premium. It offers prompt assistance in case of breakdown, towing, tyre replacement, fuel replacement and others.

If you are not a big fan of waiting in queues and getting done with a ton of paper-works, buying car insurance online is your best way out. Gain access to the best car insurance policy in minutes without any paperwork or physical documentation by applying for vehicle insurance online.