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HDFC ERGO Car Insurance Add-On Covers

HDFC ERGO Car Insurance

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Highlights
  • 94% claim settlement ratio
  • Awarded IAAA rating by ICRA:This implies that it has one of the highest claim paying ability
  • 6800+ Cashless garages.
  • Round the clock support

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.

HDFC ERGO Car Insurance User Reviews

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  • Policies at reasonable premiu...

    InsuranceDekho offers many car insurance policies at a reasonable premium. Of them I chose to buy HDFC Ergo’s ...

    Read More
    R
    By Ritika Sharma
    On: September 17, 2020
  • Website has all the informatio...

    InsuranceDekho’s website has all the required information when it comes to different car insurance policies. F...

    Read More
    U
    By Udit Upadhyay
    On: September 16, 2020
  • Thumbs up for this policy

    I purchased HDFC Ergo’s car insurance policy last month for my Honda Amaze car online at InsuranceDekho. I rea...

    Read More
    D
    By Diya Sharma
    On: September 15, 2020
  • Easy and fast assistance!

    Great support from the team member of InsuranceDekho. She cleared all my doubts regarding insurance policy and...

    Read More
    P
    By PUNEET TANWAR
    On: September 14, 2020
  • Easy to select car insurance p...

    I recently bought a Maruti Suzuki Swift car for which I wanted to buy a car insurance policy. I visited Insura...

    Read More
    A
    By Anjali Bisht
    On: September 14, 2020
  • User friendly

    User friendly and quick insurance process. I was able to fill in the details and get the policy within 15 minu...

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    B
    By BHAGAWATI M JAIN
    On: September 14, 2020
  • Easy to get the insurance

    It was very easy and great experience. All the information was already fed and nothing much details were requi...

    Read More
    Z
    By Zahid Shaikh
    On: September 12, 2020
  • Quick process

    InsuranceDekho has a very quick process of buying car insurance. I recently purchased from them HDFC Ergo’s ca...

    Read More
    C
    By Charu Malhotra
    On: September 10, 2020
  • Was able to select policy easi...

    I wanted to buy an affordable car insurance policy for my Honda Amaze car and hence visited InsuranceDekho’s p...

    Read More
    By Anjana Rathi
    On: September 9, 2020
  • Liked the policy

    I was looking for a reliable car insurance policy online for my Chevrolet Beat car and visited InsuranceDekho’...

    Read More
    A
    By Arvind Shukla
    On: September 8, 2020
  • Policies at reasonable premiu...

    InsuranceDekho offers many car insurance policies at a reasonable premium. Of them I chose to buy HDFC Ergo’s ...

    Read More
    R
    By Ritika Sharma
    On: September 17, 2020
  • Website has all the informatio...

    InsuranceDekho’s website has all the required information when it comes to different car insurance policies. F...

    Read More
    U
    By Udit Upadhyay
    On: September 16, 2020
  • Thumbs up for this policy

    I purchased HDFC Ergo’s car insurance policy last month for my Honda Amaze car online at InsuranceDekho. I rea...

    Read More
    D
    By Diya Sharma
    On: September 15, 2020
  • Easy and fast assistance!

    Great support from the team member of InsuranceDekho. She cleared all my doubts regarding insurance policy and...

    Read More
    P
    By PUNEET TANWAR
    On: September 14, 2020
  • Easy to select car insurance p...

    I recently bought a Maruti Suzuki Swift car for which I wanted to buy a car insurance policy. I visited Insura...

    Read More
    A
    By Anjali Bisht
    On: September 14, 2020
  • User friendly

    User friendly and quick insurance process. I was able to fill in the details and get the policy within 15 minu...

    Read More
    B
    By BHAGAWATI M JAIN
    On: September 14, 2020
  • Easy to get the insurance

    It was very easy and great experience. All the information was already fed and nothing much details were requi...

    Read More
    Z
    By Zahid Shaikh
    On: September 12, 2020
  • Quick process

    InsuranceDekho has a very quick process of buying car insurance. I recently purchased from them HDFC Ergo’s ca...

    Read More
    C
    By Charu Malhotra
    On: September 10, 2020
  • Was able to select policy easi...

    I wanted to buy an affordable car insurance policy for my Honda Amaze car and hence visited InsuranceDekho’s p...

    Read More
    By Anjana Rathi
    On: September 9, 2020
  • Liked the policy

    I was looking for a reliable car insurance policy online for my Chevrolet Beat car and visited InsuranceDekho’...

    Read More
    A
    By Arvind Shukla
    On: September 8, 2020

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.