
- Save upto 75%*Lowest Car Premiums
- 11.5 Lakh+Happy Customers
- Claim Support7 days a week
*TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply
HDFC ERGO Car Insurance

Network Garages | 6,800+ |
Claim Settlement Ratio | 91.23% |
Emergency Assistance | Available 24/7 |
Number of Cutomers | 1.3 crore+ |
Accredition | iAAA 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.
In the market, HDFC ERGO offers a wide range of products. Car insurance, bike insurance, health insurance, travel insurance, personal accident insurance, and home insurance are among the retail products available. This is not the end of the list. HDFC ERGO provides a huge range of products, ranging from rural products like crop insurance and Gramin Suraksha Bima to commercial products including liability insurance, engineering insurance, and property insurance.
The company is undoubtedly one of the most well-known names in the country's private general insurance sector. HDFC ERGO aims to be one of the finest and most respected insurance companies in the world.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 is a well-known name in the insurance industry which is known for offering car insurance at an affordable price to the masses. A car insurance policy is a safety net that covers the owner of the car from any damages incurred as a result of theft, fire, accident, or other third-party liabilities that may arise in the event of an accident.At the time of buying an insurance plan for your car, you must be aware of the 3 types of bike insurance plans commonly available in India. The three main types of car insurance plans offered by HDFC Ergo are namely Comprehensive, Standalone Own Damage and Third Party Car Insurance Plan.
HDFC Ergo Comprehensive car insurance plan offers holistic coverage to the policyholder as this insurance plan offers protection against both own damage expenses as well as third party liabilities. This is not a mandatory insurance plan, however, the most recommended one.
The HDFC Ergo standalone own damage car insurance plan pays for repair costs incurred as a result of losses or damages to one's own vehicle due by any accident or mishap, such as natural calamities, fire, explosion, and so on.This policy does not offer coverage against any third party liabilities.
HDFC Ergo third party car insurance plan offers coverage and compensation towards any third party liabilities be it both third party person or third party property that can arise because of a mishap. It is a compulsory insurance plan for every car owner according to the Indian Motor Tariff Act.
In addition to comprehensive car insurance plans and standalone own damage plans, HDFC Ergo provides a variety of add-on covers to enhance the coverage.To include add-on covers to your plan is optional and gives you the freedom to choose one based solely on your needs.
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
- Maruti
- Hyundai
- Honda
- Toyota
- Mahindra
- Ahmedabad
- Bangalore
- Chandigarh
- Chennai
- Gurgaon
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
545 Hdfc Ergo Cashless Garages in India
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Must Read Articles before buying Hdfc Ergo Car Insurance
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.


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HDFC ERGO Car Insurance Contact Details
