Hdfc Ergo Car Insurance Claim

Claim settlement is the process where the insurer fulfils its obligation to provide financial cover for damages that happened to your car under pre-agreed circumstances. There are different types of claim settlement processes and the required documents also differ in different scenarios.

Claim settlement Ratio of HDFC Car insurance

The claim settlement ratio determines how efficient an insurer is in providing claims. HDFC Ergo currently maintains a Claim Settlement Ratio of 99% in motor. However, it is important to be mindful of the claim settlement process to ensure proper documents are maintained to file a claim.

Types of HDFC Ergo Claim Settlement Process

HDFC Ergo provides 2 types of claim settlement processes:

1. Cashless claim settlement
2. Reimbursement

Cashless Claim Settlement Process

HDFC Ergo has 8000+ cashless garages across India. Cashless garages provide repair services without any upfront payment by you. These garages have ties with HDFC and are paid directly by them for their services to customers.

Reimbursement Claim Settlement Process

The reimbursement process is where you get your car repaired at any garage and pay for it, and later the insurer pays the repair cost to you.

To get reimbursement for the cost of repair, you need to ensure that you initiate the claim as soon as you observe the damage. After the inspection survey get your car repaired and send the invoice to HDFC Ergo for reimbursement.

HDFC Ergo claim Initiation

Claim Initiation is the first step of filing a claim. Initiation means informing the insurer about the damage that happened to your car. It is important to initiate the claim as soon as you observe damage to ensure that the process moves smoothly.

To initiate a claim with HDFC Ergo, you can choose any of the given channels:

• Call HDFC Ergo customer care on the toll-free number 022 6234 6234.
• Write an e-mail to care@hdfcergo.com
• Text to official WhatsApp number 7070022222.

How to File a HDFC Ergo Car Insurance Claim?

Under different circumstances, the claim process can differ slightly. Given below are claim processes for accidents and third-party claims

Accidental Claims

The process to file an accidental claim is given below:

1. Initiate the Claim: Inform your insurer about the accident. Give a brief description of how it happened and what damages you and your car suffered. A person should be completely honest with the insurer to maintain trust which will ensure a smooth process.

2. File an FIR: Report the accident to the nearest police station around the location of the accident. A copy of the FIR will be submitted to the insurer along with other necessary documents.

3. Take Pictures: Take photographs that clearly show the damages done to the car due to the accident. These pictures will be used to examine the extent of damage which will produce an estimated cost of repair.

4. Submit Required Documents: Documents such as FIR copy, RC, Driving License, and Insurance papers are required to file a claim. HDFC Ergo offers online and digital methods of submitting documents as well.

5. Get Your Car Repaired: Take your car to a network cashless garage or any other garage to get it repaired. Once the car is repaired, HDFC will directly pay to the garage or reimburse the customer.

Third-Party Claims

Third-party claims are filed when damage is caused by our car to a third party (person or property). The process for filing a third-party claim is given below:

1. Report the incident to the nearest police station and keep a copy of the FIR.
2. Take one copy of the chargesheet filed by the police.
3. Next, you will have to hire a lawyer who will file a compensation claim case in the Motor Accidental Claims Tribunal. Note that the case has to be made at the local tribunal court of the area where the accident occurred.

In case of injury or death, most cases are settled out-of-court by mutual agreement. Although there are no legal issues with this, in such cases it is recommended to involve authorities.

In case of property damage, compensation is decided or rejected only after a hearing is completed from both parties involved. 7.5 Lakh Rupees is the maximum limit of compensation for property damage.

Claim Process of HDFC Ergo Car Insurance

In the claim settlement process, you can choose among the online and offline methods of claim settlement.

Online

1. Intimation: Inform the insurer about the damages that happened to your car as soon as you observe them. You can initiate by visiting the official website of the insurer or texting on the official WhatsApp number 8169 500 500.
2. Complete Survey: Depending on the damages HDFC would suggest an AI-based survey through your smartphone or shall send an inspecting surveyor.
3. Approval and Repairs: Once the claim is approved, HDFC Ergo will authorise the garage to proceed with the repairs on a cashless basis.
4. Authorised Garage: Once the survey is completed and approved, you can visit the garage to get your car repaired. To have a cashless experience, you will have to go to the nearest network garage which has ties with HDFC Ergo.
5. Direct Settlement: Post repair, the cost of repair will either be paid directly to the network garage or will be reimbursed to the customer.

Offline

To follow an offline approach to claim settlement, initiate the claim by calling the HDFC Ergo toll-free number 022 6234 6234 or visit the nearest branch. Your initiation will be followed by a visiting surveyor. Once the cost of repair is approved you can proceed to the garage to get your car repaired.

Documents Required for HDFC Ergo Claim Process

The following documents are required in the process of settling a claim:

• Claim form filled in and signed
• A copy of your Vehicles R.C.
• A copy of the Driving License of the person driving at the time of the accident

Below are the Additional documents required in case of theft

• R.T.O. Paper duly signed from the local R.T.O. Office
• N.O.C. from Finance Company in case the car is hypothecated
• Letter of Indemnity & Subrogation from a Notary located near a Local Court

These are the common documents required in the claim process but it is suggested to check with the insurer as you might need other documents as well.

HDFC Ergo No Claim Bonus

No Claim Bonus (NCB) works as a reward for keeping your car well protected during the policy. If you make no claims in a year, you are rewarded with NCB ranging from 20% to 50%. NCB is applied to the premium of your renewal of car insurance.

The longer you don’t file any claims, the more reward you get.

Details, Benefits, and Limitations

Some key points about NCB to keep in mind are:

• No claim bonus is applied to your own damage portion of the premium only.

• NCB expires if you do not renew your policy within 90 days of expiry.

• The maximum NCB you can get is 50% which you get after 5 claim-free years.

• NCB is tied with the owner and not the car, which means it can be applied to a new car that you get (the new car must match the class of the older car according to the tariff).

To help with their claim process, HDFC Ergo has certain channels open for its customers to seek assistance or get answers to their queries. These channels are discussed below:

Toll-Free Number: Reach out to HDFC Ergo customer support by calling on 022 6234 6234 / 0120 6234 6234

Live Chat Support: Visit the website and click on the ‘Help’ icon located on the top right corner of the screen. From the drop-down menu, click on ‘Chat With Us’. A chatbox will appear where you can seek support.

Email Support: You can write an E-mail to the customer assistance team at care@hdfcergo.com.

WhatsApp Updates: You can send a WhatsApp text on their official mobile number 8169 500 500.

The Grievance Redressal Cell: If you are not satisfied with the response of the customer assistant team, you can reach out to the grievance redressal cell by mailing grievance@hdfcergo.com or calling on 18002677444 (9:00 AM to 5:00 PM).
HDFC Ergo has special channels for senior citizens and women:

Senior Citizens: Call on 022- 6242-6226 or write at seniorcitizen@hdfcergo.com .

Women: 022-6242-6255.

Insurance Ombudsman: In case the grievance redressal can not provide a satisfactory response, you can approach to an Insurance Ombudsman through the Council for Insurance Ombudsmen.