Car Insurance starting from Rs. 2,072/year*
  • Save upto 75%*
    Lowest Car Premiums
  • 11.5 Lakh+
    Happy Customers
  • Claim Support
    7 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

Find the right insurance for you
T&C Apply*

HDFC ERGO Car Insurance

427 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 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 offers protection to the car owner from any kind of damages incurred due to theft, fire, accident or any third party liabilities that may happen in the event of a mishap. 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.

    HDFC Ergo standalone own damage car insurance plan provides compensation towards repair cost incurred due to losses or damages sustained by own vehicle due to any accident or mishap such as man made calamities, fire, explosion, etc. 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.

    HDFC Ergo also offers several types of add-on covers that can be bought alongside comprehensive car insurance plans and standalone own damage plans to enhance the plan 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



    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
    Which city is your car registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    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

    HDFC ERGO Car Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Most Helpful
    • Compare
    • Price
    • Cashless Garages
    • Comprehensive
    • Claim
    • Renew
    • Premium
    • Add On
    • Swift renewal process

      To get my HDFC ERGO car insurance policy renewed, I visited the InsuranceDekho portal and find a simple and sw...

      Read More
      By Rajesh Mitra
      On: December 6, 2021
    • Active support staff

      The active and polite customer care team of the InsuranceDekho platform provided me with the assistance to kno...

      Read More
      By Namit Singhal
      On: December 1, 2021
    • Swift claim settlement

      I have a car insurance plan of HDFC ERGO general insurance to secure my Nissan Micra car. I met with an accide...

      Read More
      By Shekhar Jha
      On: November 29, 2021
    • Claim settlement ratio details

      The InsuranceDekho platform has got the information about different claim settlement ratios which helped me se...

      Read More
      By Abhinav Khare
      On: November 24, 2021
    • Best renewal process

      I am thankful to InsuranceDekho for reminding me of the renewal period of my HDFC ERGO car insurance plan. I ...

      Read More
      By Abhilekh Jha
      On: November 22, 2021
    • Best insurance companies liste...

      I visited the InsuranceDekho platform to find a car insurance policy for my Toyota Glanza car. Without any eff...

      Read More
      By Sanket Desai
      On: November 17, 2021
    • Easy to buy and hold policy

      Since I purchased the HDFC ERGO car insurance policy online for my Skoda Octavia Combi car and it is with me i...

      Read More
      By Anisha Devdhar
      On: November 15, 2021
    • Easy to buy and hold policy

      Since I purchased the HDFC ERGO car insurance policy online for my Skoda Octavia Combi car and it is with me i...

      Read More
      By Anisha Devdhar
      On: November 15, 2021
    • Exceptional payment method

      I could purchase an HDFC ERGO car insurance plan to protect my Toyota Vellfire car without any payment hassle....

      Read More
      By Ishan Mathur
      On: November 11, 2021
    • Timely renewal reminders

      When it comes to car insurance policy renewal, the InsuranceDekho platform leaves no stone unturned to make pe...

      Read More
      By Amit Prakash
      On: November 8, 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


    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.