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HDFC ERGO Car Insurance Add on Covers

HDFC Ergo General Insurance is one of the leading car insurance providers in India. It offers a wide range of add-on coves with its car insurance plans. Car insurance add-ons are extra coverages which can be opted with comprehensive car insurance plans and standalone own-damage car insurance plans to extend the coverage of the policy in return for an additional premium.

HDFC ERGO - 6 Important Add-on Covers For Your Car Insurance Policy

Following are the add-on covers offered by HDFC Ergo General Insurance with its car insurance plans:

1. Zero Depreciation Cover

Depreciation of your car and its parts is a natural phenomenon and the liability to pay for it by default falls on you being the car owner. However, by opting for this zero depreciation add-on cover, you can shift the liability of bearing the depreciation expense to the insurer. This cover relieves you from the depreciation applicable on your car and all its metal and plastic parts as 100% except tyres and batteries which are exempted from depreciation at 50%. This add-on can be availed in case of partial loss sustained by your car.

2. Engine and Gearbox Protector

This add-on helps you extend the coverage of your car insurance plan for damage incurred by the parts of your car’s engine and gearbox due to ingression of water and leakage of lubricants. This add-on insures you against the repair/replacement cost as well as the labour cost incurred during such repairs/replacement along with engine cylinder re-boring, compression tests, and other machining charges.

3. No Claim Bonus Protection Cover

As a policyholder, you are rewarded by the insurer for not making any claim during a policy period in the form of a No Claim Bonus. NCB is provided to you in the form of a 20% to 50% discount, depending on the number of claim-free years, on the own-damage premium of your insurance plan. However, this benefit gets lost if you make even a single claim during the policy period. However, if you have a No Claim Bonus Protection Cover, you can keep your NCB intact even after making up to 3 claims during a policy period.

4. Consumables Cover

Consumables refer to those items which when put to use get consumed totally or become unfit for permanent use after the usage. Such consumables include, nuts, bolts, screws, washers, grease, collants, engine and other oils, A/C gas, bearings, battery water, filters, etc. When you opt for this add-on, the expense of this consumable is borne by the insurance provider. Under this add-on, one claim is allowed during the policy period.

5. Return To Invoice Cover

In the event of total loss or theft of your car, the insurer provides you with the Insured Declared Value (IDV) of your car as compensation. However, this IDV is less than the Invoice Price, the amount which you had paid at the time of purchasing the car. This cover helps you get the Invoice Price as compensation in the event of total loss or theft of your car. The Invoice Prices includes the ex-showroom price, road-tax as well as the registration charges of your car.

6. Emergency Assistance Cover

This cover provides you with emergency roadside assistance in the event of immobilization of your car due to mechanical or electrical breakdown and as long as the fault can be repaired at the place of immobilization within 60 minutes at the spot of immobilization. Besides the repair facility, the add-on cover provides the following services:

  • Duplicate Keys- If keys your car get lost or misplaced, the insurer arranges forwarding of duplicate sets from your place of residence.
  • Locked/ Lost Keys: In case you get locked-in, the insurer will come to your rescue. If required, the insurer will also tow your car to a nearest safe place.
  • Battery Jump Start: If your car does not start due to the battery being discharged, the jump-start of the battery would be arranged.
  • Tyre change: If your car has a punctured or burst tyre the insurer would arrange for changing it with the spare tyre carried in your car. In a case where a spare tyre cannot be used, the insurer shall either tow the vehicle to the nearest tyre repair shop or accompany you to the nearest tyre repair shop and back.
  • Fuel delivery: If your car runs out of fuel, the insurer will deliver up to 5 litres of fuel (petrol or diesel only). However, cost of fuel would be paid by you.
  • Emptying of the Fuel Tank: if the fuel tank of your car is filled with the wrong fuel, the insurer will bear the cost emptying it using a technician.
  • Towing and Removal of the Car: In the event you car is immobilized due to the breakdown or accident and on site repair is not possible, the insurer will arrange the towing of your car to the nearest workshop or garage.

Must Read Articles before buying Hdfc Ergo Car Insurance

Hdfc Ergo Car Insurance User Reviews

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What users are saying
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  • 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.

    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.

    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.

    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

    Renault Kiger Ahmedabad
    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.

    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.

    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 ?

    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.

    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.

    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.

    By Madhvi Nagpal
    On: November 3, 2023

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HDFC ERGO Car Insurance Add-On Cover FAQs

  • Is it necessary to purchase add-ons?

    No, it’s not mandatory to opt for car insurance add-ons but it is advisable to have additional protection for your car.

  • What is engine protection cover in car insurance?

    It is an add-on cover which can be purchased with the comprehensive car insurance policy or a standalone own-damage car insurance plan. It offers coverage towards damages or losses incurred by the engine of your car due to oil leakages and water regression.

  • What is zero depreciation cover in car insurance?

    Zero depreciation cover is an add-on which provides coverage against the depreciation incurred by your car and its parts. By default a standard car insurance policy does not cover depreciation expenses of the car. Thus, zero depreciation cover helps you get rid of bearing the expenses caused due to the wear and tear of your car and its parts.

  • Can I buy add-ons at the time of car insurance policy renewal?

    Yes, you can buy add-ons at the time of car insurance policy renewal.

  • What is Key Replacement cover in car insurance?

    Key replacement is an add-on cover which covers the expenses arising out of the replacement of your car’s keys when they are stolen or misplaced.

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