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HDFC ERGO Car Insurance

Q: 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.

Q: 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.

Q: 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.

Q: 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

Q: 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.

CASHLESS GARAGES
8000+
CLAIMS SETTLED
100%
ZERO DEP. CLAIMS
UNLIMITED

Key Features:

Maximum Cashless Garages
Over Night Vehicle Repairs
24x7 Roadside Assistance
Quick Claim Settlement

Hdfc Ergo Car insurance starting from ₹ 2094/year*

Car No.
Select Plan
Policy Issued

Top HDFC ERGO Car Insurance Plans

Hdfc Ergo Car Insurance

PLAN TYPE: Comprehensive

Starting From ₹ 2881

Hdfc Ergo Car Insurance

PLAN TYPE: Third Party

Starting From ₹ 2094

HDFC ERGO Car Insurance

PLAN TYPE: Own Damage

Starting From ₹ 2202

About HDFC ERGO Car Insurance

With a claim settlement ratio of 99.48%, HDFC Ergo tops the list of the best car insurance companies in India. The company is a joint venture between HDFC Bank and ERGO International. HDFC Ergo car insurance provides 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. The three main types of car insurance plans offered by HDFC Ergo are namely Comprehensive, Standalone Own Damage, and Third Party Car Insurance Plans.

Key Features of HDFC Ergo Car Insurance

Features	Coverage
HDFC Ergo Claim Settlement Ratio	99.48%
Founding Year	2002
No. of Network Garages	6800+
No Claim Bonus	Yes, up to 50%
Starting Price of Car Insurance Premium	Rs. 2094
No. of Ad-on Covers	6

Benefits of HDFC Ergo Car Insurance

Listed below are some of the compelling reasons why you should choose to buy car insurance plans with HDFC Ergo.

HDFC Ergo has car insurance plans starting at Rs. 2094. At affordable premiums, HDFC Ergo offers maximum benefits and coverage. You can use a premium calculator to determine the car insurance premium.

With HDFC Ergo, you can buy car insurance plans in a breeze. Just get in touch with the HDFC Ergo team and proceed with simple steps to buy car insurance.

With the availability of over 6,800 cashless garages, policyholders can get their insured car repaired in a cashless manner. The extensive number of HDFC Ergo network garages makes it easier for policyholders to locate a nearby garage for cashless repairs.

The customer support team of HDFC Ergo can be reached at all times if you have any queries about your car insurance plan, claim, or anything else.

Partner Car Insurance Companies

Car Insurance Companies

Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

Car Insurance For Popular Indian Make and Models

HDFC Ergo Car Insurance Premium Calculator

To analyse the premium you need to pay towards your HDFC Ergo car insurance plan, you can use the HDFC Ergo car insurance premium calculator. On entering details such as the age of the car, model, fuel type, and more, you will be able to estimate the car insurance premium you need to pay. With the HDFC Ergo car insurance premium calculator, you will be able to view the premium details in a matter of a few minutes.

Select your car brand

Brand

Maruti
Hyundai
Honda
Toyota
Mahindra

Which city is your car registered in?

Ahmedabad
Bangalore
Chandigarh
Chennai

City

When did you buy your car?

Year

Disclaimer: Actual Premium might vary basis your location, age and number of members

HDFC Ergo Car Insurance Plans

Comprehensive Car Insurance

Comprehensive car insurance plans provides complete protection. It offers financial compensation for both third-party liabilities and standalone damages.

Know More

Compare and Select the Best Car Insurance Policy

Covers under Car Insurance	Comprehensive Cover	Third Party Liability Only Cover
Damage due to natural calamities – Earthquake, cyclone, floods etc.
Damage due to events like – Fire, theft, vandalism etc.
Choice of add-ons – Zero depreciation, NCB protect etc.
Customization of car value
Personal accident cover of Rs. 15 Lakhs*

Factors Affecting Car Insurance Premium

There are a number of factors that affects car insurance premium such as the following

Fuel Type
The car insurance premium of CNG fuel type is higher in comparison to diesel and petrol cars.
Model of Car
Model of the car remains another major factor in determining its premium. High end luxury cars will have a higher car insurance premium.
Geographical Location
If you live in an area that is at a higher risk of theft and risks, then the car insurance premium will be higher.
IDV
The higher the value of IDV or Insured Declared Value directly affects the car insurance premium.
Installation of Safety Devices
With the installation of devices like anti-theft devices, the car insurance premium becomes higher.

Calculate your Car IDV

Select Brand

Select Model

Select Year

HDFC Ergo Car Insurance Add-ons

HDFC Ergo offers a number of add-ons or riders to increase the scope of coverage of your car insurance. Listed below are the popular add-ons which you can buy with your HDFC Ergo car insurance plan

Return to Invoice Cover
With the Return to Invoice add-on, you can recover the invoice value if your car is lost or damaged.
Zero Depreciation Cover
The value of every car depreciates over the years, and this depreciated value is not covered in car insurance plans. However, with Zero Depreciation Cover, you will get the entire amount without including depreciation charges.
No Claim Bonus Protection Cover
The No Claim Bonus benefit will remain intact with the No Claim Bonus Protection Cover.
Cost of Consumables Cover
The cost of consumables like brake oil, lubricants, and others are covered under Consumables Cover.
Emergency Assistance Cover
In case of any mechanical breakdown, you can get round-the-clock assistance with the HDFC Ergo Emergency Assistance add-on.

Hdfc Ergo Car insurance starting from ₹ 2094/year*

Car No.
Select Plan
Policy Issued

How To Buy/Renew Car Insurance Online

Step-1
Input the Car Registration Number and select Get Price(new policy) or Rrenew (exixting Tata AIG Policy.
Step-2
Fil up the Car and personal details as propmted by the screen. Also select the policy coverage and add0ons of your choice
Step-2
You will get an instant car Insurance premium quote. If you are satisfied with the quote, you can proceed to pay the premium online.

Tips To Buy Car Insurance Online

To buy the best car insurance plan, you need to keep certain tips in mind such as the following

Types Of Car Insurance

There are different types of car insurance plans comprehensive, standalone, and third-party car insurance. So, before buying any plan, analyse your requirements and accordingly buy a desired type of car insurance.

Add-ons

WIth HDFC Ergo, there are a number of add-on options that you can choose from. However, on including add-ons to your car insurance plan, the premium of car insurance gets higher.

Network Garages

While buying car insurance plans, you must keep a check on the number of network garages. The greater the number of network garages, the more beneficial will it be for you.

Claim Settlement Ratio

The claim settlement ratio refers to the insurer’s efficiency in settling car insurance claims. You must buy car insurance plans with a company that has a higher claim settlement ratio.

Car Insurance Premium

It is very important that you check the car insurance premium before buying it. You must buy a car insurance plan which has an affordable premium and best fits your pocket.

HDFC ERGO Pay As you Drive

You can now get away with paying a hefty premium if you drive your car occasionally. HDFC Ergo now offers Pay As You Drive add-on cover which lets you pay car insurance premiums as you drive.On buying the Pay As You Drive add-on with HDFC Ergo, policyholders can thus enjoy the benefits of car insurance at lower premiums. Moreover, when they renew the PAYD cover with HDFC Ergo, they can enjoy even more benefits.

Benefits of Buying and Renewing Car Insurance Online

Listed below are the benefits of buying and renewing car insurance online

Quick Policy Issuance

When buying car insurance online, you can get your policy issued in a few simple steps. You just need to enter a few details and make a payment to quickly issue car insurance with HDFC Ergo.

Transparent Process

The process of buying HDFC Ergo car insurance is quite transparent. In a few simple steps, you can buy car insurance with HDFC Ergo.

No Paperwork Required

On buying and renewing car insurance online, there is almost zero paperwork required. You can complete all the required steps from the comfort of your home when you buy car insurance online.

Dedicated Team

With HDFC Ergo, you can get dedicated team support when you are buying a car insurance plan online.

Claim Process for HDFC Ergo Car Insurance

Here are the steps to raise an HDFC Ergo car insurance claim:

First, raise a claim request either by calling the HDFC Ergo team or on their website
Once you raise the claim request, you will get claim registration number
Next, take the insured car to a network garage or any garage of your choice
Then, submit all the relevant documents. A surveyor will also be assigned to assess the total damage
The surveyor then sends the damage report to the company. Once the company, here HDFC Ergo approves the claim, the car insurance claim will be settled.

How to Calculate HDFC Ergo Car Insurance Premium?

Before you buy any car insurance plan, you first need to calculate the HDFC Ergo car insurance premium. Here is how you can do the same:

Visit the car insurance page on the HDFC Ergo website. Enter details like car registration number and other details.
Once you enter all the details, you will be able to see car insurance quotes.
Choose from the different types of car insurance plans available and enter details like no claim bonus, no expiry date, and other details.
Use the car insurance premium calculator to check the premium once all the details have been entered.

How to Renew Car Insurance With HDFC Ergo?

To renew your car insurance plan with HDFC Ergo, you need to follow the below-mentioned steps:

Click on the renew option of HDFC Ergo car insurance
Enter details like car insurance number, add-on covers, and others.
Pay the renewal fees of HDFC Ergo car insurance.
You will receive details of your policy on your registered email id.

How to Buy Car Insurance with HDFC Ergo?

Thinking of buying car insurance with HDFC Ergo? Here is how you can buy car insurance with HDFC Ergo:

Visit the official website of HDFC Ergo
Enter details like car registration number, and mobile number, and proceed further with viewing quotes.
Include all the necessary add-ons and proceed with the payment.
Once the payment is complete, you will receive a notification about the same.

What is IDV and How is it Calculated?

IDV refers to the Insured's Declared Value as the maximum amount you will receive if your vehicle is damaged or lost. Some of the factors that affect IDV are as follows

Depreciation

As the value of car depreciates over the years, so the IDV also varies from one car to another.

Accessories

The IDV is also based on the value of different accessories you have installed in your car.

Location

The ex-showroom price of the car varies from one Indian city to another. This is the reason why the IDV also accordingly varies.

HDFC ERGO Car Insurance FAQs

What is car insurance? Why trust HDFC ERGO?

Do you need car insurance?

HDFC ERGO – what are the different types of car the company covers?

What are the various types of car insurance policies available in HDFC ERGO?

What are the exclusions in a HDFC ERGO car insurance policy?

Hdfc Ergo Car Insurance User Reviews

4.9

Rating based on

702 User reviews

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What users are saying

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Comprehensive
Zero Depreciation
Third Party
Own Damage
Renewal
Cashless Garages
Price
Premium
Policy Download
Customer Care
Claim
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Super Happy with My Experience...
I recently bought my HDFC ERGO car insurance through InsuranceDekho, and I couldn’t be happier! The whole process was smooth, quick, and completely hassle-free. The website made it easy to find the right policy without any confusion, with no hidden fees, and just a seamless experience. I’d recommend InsuranceDekho to anyone looking for a stress-free way to buy car insurance!
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By Apala Pandey
On: February 13, 2025
Effortless Insurance Purchase
I just bought my car insurance from HDFC Ergo through InsuranceDekho, and I couldn’t be happier! The process was so simple and quick. I found the right policy in minutes, and the purchase was super easy. No complications, no stress. InsuranceDekho made it easy, and I’d highly recommend them to anyone looking for a reliable and hassle-free insurance experience!
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By Priya Jaiswal
On: February 7, 2025
Accident Claim Settlement
I was involved in a minor accident where the front bumper of my car was damaged. HDFC ERGO's claim process was smooth and efficient. My claim was approved within 24 hours and car was repaired at one of their network garages. I'm grateful to InsuranceDekho for recommending HDFC ERGO for their hassle-free claim settlement.
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A
By Arundhati Raj Gupta
On: July 2, 2024
Quick repair service
My car's bumper was hanging after it was hit by a car. I gave my car for repair at one of the cashless garages by HDFC Ergo and it was delivered back within the same day. I am very happy with the efficient services provided by HDFC Ergo. Kudos to InsuranceDekho for helping me choose the right fit insurance plan.
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K
By Kabir Monga
On: July 1, 2024
Roadside assistance
I was travelling back to Delhi from Moradabad early morning when my car stopped working and smoke was coming out from the engine. I was in a panic situation and called the HDFC Ergo claim team and a towing vehicle arrived in justified time with a mechanic who assessed the car and identified the problem. The car was then towed to a garage and I came back to my home with a cab. In a couple of days, my car was delivered back and all the costs were handled by HDFC Ergo. The whole experience was more helpful than I wished for and I would encourage everyone to take insurance using InsuranceDekho to protect themselves from getting stuck in such situations.
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Z
By Zeeshan Kamil
On: June 27, 2024
Smooth claim process
Couple of days before my car was damaged by a branch of a tree falling on it during a heavy storm. I could not imagine how much cost it would have taken to repair if I didn't have insurance. HDFC Ergo car insurance claim process was very simple and easygoing. Thanks to InsuranceDekho for helping in selecting the best insurance provider.
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By Aman Malhotra
On: June 25, 2024
Reimbursement claim
A small accident a few days back caused minor damage to my car. I was very annoyed with the incident as it prevented me from making to my job interview. I took my car to my trusted garage and got it repaired and got the claim reimbursed through HDFC. I was already tensed and thought that the insurer would trouble me with a long process but instead, they were very understanding and quickly completed the inspection process. Have to give it to InsuranceDekho for their expertise, their assistance team mentioned that HDFC is one of the best when it comes to claim settlement.
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By Ranbir Chatterjee
On: June 24, 2024
Customised Plan
Thanks to InsuranceDekho for helping me find the perfect insurer. HDFC Ergo's comprehensive plan fits all my needs. This plan is perfect for every season's needs and makes me secure on the roads. The add-ons are like a cherry on the cake. Kudos to the whole team.
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By Agathiyan
On: June 19, 2024
Overnight repair
I got some minor dents on my car 2 days ago and the feature of HDFC Ergo overnight repair amazed me. They picked up my car in the evening and the next morning i had a call notifying that the car was repaired. I was so amused! Thanks to InsuranceDekho for the help during this processs.
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By Nihal Siddiqui
On: June 13, 2024
Best Services
InsuranceDekho is awesome at its job. The cool interface is so much interesting with its features to compare quotes and apply filters. It was a great decision to purchase my HDFC Ergo car insurance through them.
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P
By Parth Sharma
On: June 11, 2024
Quality customer care
I have a HDFC Ergo own damage car insurance and I have been very satisfied with the services and customer care. They respond on time and the car picks up service is fast as well. InsuranceDekho was key in finding the best policy to match my requirements.
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By Prem Tripathi
On: May 30, 2024
Easy and smooth process
HDFC Ergo's car insurance plan for my Hyundai i20 eased my worries. I visited them again and bought the same plan for my wife’s car. The online process was straightforward, and their customer service team provided great assistance whenever needed.
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By Rohan Patel
On: May 29, 2024
Simple Buying Process
Getting HDFC ERGO car insurance through InsuranceDekho was simple! They have great customer service, good prices, and lots of coverage options. Definitely worth it!
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M
By Mansi Bajaj
On: March 21, 2024
Complete Peace of Mind
With the HDFC Ergo Car Insurance Policy’s comprehensive coverage for my BMW car, I enjoy complete peace of mind while driving. I know that no matter what happens, my car is protected.
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C
By Charul Midha
On: November 29, 2023
Personalized Policy Options
The premium calculator allowed me to explore the HDFC Ergo Car Insurance Policy options that align with my budget and preferences for my Nissan car.
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By Garv Bakshi
On: November 24, 2023
Complete Value Protection
I am happy to say that the Zero-dep insurance for my HDFC Ergo Car Insurance Policy ensures complete protection for my Renault car's value. No deductions, and no surprises—just complete coverage that leaves me stress-free.
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Y
By Yogita Mohante
On: November 21, 2023
Excellent Advise
Good Guidance By Archit giving the details about insurance policy and explaination of clause, Features, Choice and Best suitable
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R
Renault Kiger Ahmedabad
By RUJWAL PRASAD
On: November 20, 2023
Financial Responsibility Made ...
On my HDFC Ergo Car Insurance Policy, I got third-party coverage for my Maruti car. Insurancedekho makes fulfilling financial responsibility easy. It's a no-fuss solution for car owners who want to do the right thing.
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K
By Komal Verma
On: November 15, 2023
Making a Claim, Making a Diffe...
I think that claiming with InsuranceDekho for the HDFC Ergo Car Insurance Policy is not just about getting compensation for my Mahindra car; it's about making a difference. Their professionalism and dedication to customer satisfaction truly shine.
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By Sona Malkani
On: November 9, 2023
Good and easy but Credit card ...
Nice help by Agent bu Why few bank are not allowed for credit card. Seems partiality. HDFC ergo allowed HDFC credit card but not Axis and not SC... Ye nahi chalega, aap kuch card ko allow karke indirectly promote kar rahe ho. Internally check karao esa kyu ?
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Hyundai i20 2012-2014 Ghaziabad
By Neeraj Kumar Jagetia
On: November 8, 2023
Emergency Assistance
The emergency assistance offered by InsuranceDekho for zero-depreciation coverage for my Renault car is reassuring. The HDFC Ergo Car Insurance Policy ensures I have support during challenging situations.
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By Ramesh Prajapati
On: November 8, 2023
Stress-Free Repairs
Dealing with repairs is stress-free with InsuranceDekho's own damage coverage that came with the HDFC Ergo Car Insurance Policy. They handle everything efficiently, ensuring my Nissan car is back on the road.
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By Pooja Paul
On: November 7, 2023
Emergency Assistance
The emergency assistance offered by InsuranceDekho for third-party coverage is reassuring. The HDFC Ergo Car Insurance Policy ensures I have support for my Mahindra car during legal situations.
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M
By Madhvi Nagpal
On: November 3, 2023
Excellent
Good and informative interaction with your representative. Will get more information about the policy. Will try to continue with Insurance Dekho in future also
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Maruti Wagon R 2013-2022 Pune
By JAYANT DATTATRAY SAVE
On: November 2, 2023
Timely Renewal, Zero Worries
Timely renewal of the HDFC Ergo Car Insurance Policy with InsuranceDekho means zero worries on the road. I can drive my Hyundai car with confidence knowing I'm covered.
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By Vineet Jain
On: November 2, 2023
Efficiency and Accuracy in Pre...
InsuranceDekho's Premium Calculator is efficient and accurate. It provided me with precise premium calculations for the HDFC Ergo Car Insurance Policy, saving me time and ensuring I have the coverage I need for my Kia car.
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By Richa Jain
On: October 31, 2023
Trustworthy Partnerships
I trust the partnerships that InsuranceDekho has with their cashless garages. The HDFC Ergo Car Insurance Policy reflects their commitment to ensuring quality service for my Maruti car.
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H
By Helen Lal
On: October 30, 2023
Professionalism and Efficiency...
The professionalism and efficiency I saw in handling the HDFC Ergo Car Insurance Policy’s Zero Depreciation claims impressed me. InsuranceDekho’s team made the process easy, and I didn't have to worry about the financial aspects of my Chevrolet car repair.
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By Vinny Khurana
On: October 26, 2023
Own Damage Done Right
I appreciate how InsuranceDekho gets its Own Damage coverage right. With the HDFC Ergo Car Insurance Policy, my Tata car was covered with all aspects of car ownership, making sure my vehicle is protected without any complications.
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By Chandan Das
On: October 24, 2023
Reliable Third-Party Support
InsuranceDekho is a reliable source for third-party car Insurance support. Their team made sure that I had the coverage needed to meet legal requirements with the HDFC Ergo Car Insurance Policy for my Toyota car.
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By Anita Rao
On: October 23, 2023