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Hdfc Ergo Car Insurance Claim

HDFC ERGO Car Insurance

225 reviews Rate This
Highlights
    Network Garages6800+
    Claim Settlement Ratio94%
    AwardsIAAA rating by ICRA
    Emergency Assistance24/7

    HDFC ERGO Car Insurance Claim

    Buying car insurance is mandatory if you have a car. The idea behind buying this insurance is to ensure a cover against all possible losses resulting from theft or accident. However, buying an insurance policy is futile if you do not know how to seek claims. The claim settlement process is the same across most insurance companies in India though it is important to understand the claim settlement process of the insurer you have bought your policy from.

    Many people prefer to buy car insurance from the insurer that offers a cashless claim facility.

    The few steps towards cashless settlement process include:

    I. Contact the insurer immediately after the accident to report about the same

    II. The insurer tows the vehicle to the network garage for a thorough inspection

    III. The network garage submits an estimate to the insurer for verification

    IV. The vehicle is repaired at the service station and relevant bills submitted to the insurer

    V. Post verification, the insurer initiates the claim layout process

    VI. The policyholder is charged an amount corresponding to depreciation and deductibles

    VII. The insurer pays directly to the network garage

    How to file a car insurance reimbursement claim?

    You may either opt for a cashless claim settlement or get the claim amount reimbursed to your account. Follow the below-mentioned steps for smooth car insurance claim reimbursement.

    I. Register your claim by calling the insurance company on the toll-free number or email the details to the id given on the site

    II. The insurance company gives the policyholder a registration number for future correspondence

    III. Take your damaged car to a nearby garage for repairs

    IV. Submit necessary documents for inspection

    V. Post validation of details submitted, the insurance company commences the claim reimbursement process and reimburses the claim amount

    Documents required for cashless and reimbursement claims.

    For smooth and hassle-free car insurance claim, the policyholder is required to submit the following documents:

    1) Claim form downloaded from the insurer’s website and signed by the policyholder

    2) The copy of the vehicle’s Registration Certificate (RC) along with the original keys

    3) A copy of the policyholder’s driving license

    4) Original car insurance policy document

    5) Original copy of the FIR in the event of theft

    6) ID Proofs including a copy of the PAN Card and driving license (DL) of the insured

    Claim Rejection Reasons

    Buying a car insurance policy does not guarantee that the claim amount you seek will not be rejected. In fact, there may a host of reasons because of which your insurer may reject your claim. These may include:

    • Your insurance policy had lapsed at the time of the accident
    • Unnecessary delay in reporting to the insurance company about the accident
    • You do not have a valid driving license
    • You were driving under the influence of alcohol or drugs
    • You have been using the car to carry out illegal activities
    • You did not intimate the insurer before carrying out any repairs
    • You bought the policy in someone else’s name

    HDFC ERGO Car Insurance User Reviews

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    What users are saying
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    • Most Helpful
    • Good job team!

      I really thank the team at InsuranceDekho who helped me buy HDFC Ergo car insurance policy for my Hyundai Cret...

      Read More
      S
      By Shivani Rathore
      On: September 30, 2020
    • First time feedback

      It was excellent so far as options and payment mode is concerned. Hoping to see a similar experience at the ti...

      Read More
      V
      By Vijay Sharma
      On: September 30, 2020
    • Awesome team of InsuranceDekho

      I got awesome insurance cost and customer support from InsuranceDekho team. I took 2 days to decide the policy...

      Read More
      S
      By SIVAGURUNATHAN
      On: September 29, 2020
    • Great support from team

      I wanted to buy an affordable car insurance policy for my Hyundai Creta car and therefore contacted InsuranceD...

      Read More
      H
      By Harish Jasuja
      On: September 29, 2020
    • So easy to buy policy online

      I recently bought HDFC Ergo comprehensive car insurance policy online at InsuranceDekho for my Hyundai Creta c...

      Read More
      S
      By Shubhangi Chadha
      On: September 28, 2020
    • The policy offers me many bene...

      I recently bought HDFC Ergo’s car insurance policy for my Honda City car online at InsuranceDekho. I was not s...

      Read More
      D
      By Divya Rana
      On: September 24, 2020
    • Great benefits under the polic...

      My HDFC Ergo car insurance policy offers me the best benefits at an affordable premium. I purchased at Insuran...

      Read More
      By Abhipray Vaish
      On: September 23, 2020
    • Reliable car insurance plan

      HDFC Ergo offers reliable car insurance policies at affordable premiums. I recently purchased from them a com...

      Read More
      S
      By Shivani Nagpal
      On: September 22, 2020
    • Comprehensive coverage

      I recently purchased HDFC Ergo’s comprehensive car insurance policy for my Ford Ecosport after reading about t...

      Read More
      S
      By Shailja Shivani
      On: September 21, 2020
    • Thank you team

      Thanks to InsuranceDekho's lovely team for support. They helped me a lot. I am very happy to have a great buyi...

      Read More
      P
      By PRADIPSAWANT
      On: September 19, 2020
    • Good job team!

      I really thank the team at InsuranceDekho who helped me buy HDFC Ergo car insurance policy for my Hyundai Cret...

      Read More
      S
      By Shivani Rathore
      On: September 30, 2020
    • First time feedback

      It was excellent so far as options and payment mode is concerned. Hoping to see a similar experience at the ti...

      Read More
      V
      By Vijay Sharma
      On: September 30, 2020
    • Awesome team of InsuranceDekho

      I got awesome insurance cost and customer support from InsuranceDekho team. I took 2 days to decide the policy...

      Read More
      S
      By SIVAGURUNATHAN
      On: September 29, 2020
    • Great support from team

      I wanted to buy an affordable car insurance policy for my Hyundai Creta car and therefore contacted InsuranceD...

      Read More
      H
      By Harish Jasuja
      On: September 29, 2020
    • So easy to buy policy online

      I recently bought HDFC Ergo comprehensive car insurance policy online at InsuranceDekho for my Hyundai Creta c...

      Read More
      S
      By Shubhangi Chadha
      On: September 28, 2020
    • The policy offers me many bene...

      I recently bought HDFC Ergo’s car insurance policy for my Honda City car online at InsuranceDekho. I was not s...

      Read More
      D
      By Divya Rana
      On: September 24, 2020
    • Great benefits under the polic...

      My HDFC Ergo car insurance policy offers me the best benefits at an affordable premium. I purchased at Insuran...

      Read More
      By Abhipray Vaish
      On: September 23, 2020
    • Reliable car insurance plan

      HDFC Ergo offers reliable car insurance policies at affordable premiums. I recently purchased from them a com...

      Read More
      S
      By Shivani Nagpal
      On: September 22, 2020
    • Comprehensive coverage

      I recently purchased HDFC Ergo’s comprehensive car insurance policy for my Ford Ecosport after reading about t...

      Read More
      S
      By Shailja Shivani
      On: September 21, 2020
    • Thank you team

      Thanks to InsuranceDekho's lovely team for support. They helped me a lot. I am very happy to have a great buyi...

      Read More
      P
      By PRADIPSAWANT
      On: September 19, 2020

    546 Hdfc Ergo Cashless Garages in India

    HDFC ERGO Car Insurance Claim FAQs

    • How should I make a claim for my stolen car?

      • Lodge an FIR
      • Inform your insurer about the theft
      • Wait for the policy to issue a final “Non-Traceable Report”
      • Transfer the registration certificate of your lost car to the insurer along with a letter of subrogation

    • Under what circumstances does your insurer make a partial claim settlement?

      The insurer may not realize the full value of your claim. This is because your assessment of the car damage may be different from what the insurer has evaluated. Also, the claim settlement is subject to the terms and conditions of each insurer. This results in the insurer not rejecting the claim proposal in full but honoring only a part of the claim you had sought from the company.

    • What are the important considerations to be followed to ensure a hassle-free claim settlement process?

      Keeping in mind the following conditions ensures a seamless claim settlement process:

      • Always keep a copy of your insurance documents in your car
      • Do not drink and drive
      • Do not flout traffic rules
      • Know your policy’s inclusions and exclusions

    • What are the documents that must be kept in the vehicle while going to public places?

      While plying public spaces, always keep the following documents with you:

      • Copy of your insurance policy
      • Copy of the registration certificate of your vehicle
      • Copy of your driving license
      • Pollution Under Control (PUC) certificate
    • What you must not do while filing your car insurance claim?

      Accidental damage can mar the fun of driving. However, you must be aware of the “Don’ts” while filing a car insurance claim. These include:

      • Do not move your car from the accident spot
      • Do not hide any details about the accident
      • Do not settle with the third party without informing the insurer
      • Do not sign final claim settlement papers without reviewing your policy

    Why to Buy Car Insurance Policy 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

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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.