Hdfc Ergo Comprehensive Car Insurance Policy

HDFC ERGO Car Insurance

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Highlights
  • 94% claim settlement ratio
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  • 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 Comprehensive Insurance

The idea behind buying comprehensive car insurance is to ensure all-round protection to the vehicle against any loss, be it from damage or theft in addition to compensating for loss caused to both the parties involved in the accident. This means that in addition to the third-party liability cover, policyholders are also able to avail a personal accident cover to secure themselves from financial liabilities against resulting injuries.

The premium charges towards comprehensive insurance are more than that paid on a third-party liability cover. However, the benefits are way more than what you gain on a third-party liability cover. This is because comprehensive car insurance covers against damages from theft, the impact of natural disasters, terrorist attacks, riots, or attack by animals or objects hurled towards your car at high speed. For extended coverage, you may consider opting for add-on covers including a cover on your accessories, engine protection cover, zero depreciation cover, etc.

Benefits Of HDFC ERGO Comprehensive Car Insurance

1) Basic third-party liability cover.

2) Attack on the car by hooligans or as an act of vandalism.

3) Sudden theft of the car.

4) Damage caused to the glass or windshield of the car.

5) Animal or bird attacks.

6) Damage caused by hurtling objects like falling objects, missile attacks, etc.

7) Accidents due to fire

8) Waterlogging due to floods or overflowing drainage

9) Damage due to the effect of natural disasters including windstorm, hurricane, tornado, hailstorm, etc.

10) Civil rebellion or riots.

HDFC ERGO Car Insurance Claim Process

Step 1: Download the claim form from the insurance company’s website.

Step 2: Submit correct and complete details in the claim form.

Step 3: Submit NEFT details in the claim form along with a canceled cheque.

Step 4: Download the KYC form from the company’s site (or https://customersupport.hdfcergo.com/DigitalClaimF...). Fill in the KYC details and submit a copy of any of the KYC documents listed in the form for all claims equal to or more than Rs. 1 lakh.

Step 5: Submit the KYC form along with the Claim form to the nearest HDFC branch and wait for the claim amount. The amount will be credited to your account within 14 days of form submission.

HDFC ERGO Car Insurance User Reviews

189 reviews Write a Review
  • Easy to purchase at InsuranceDekho

    I was looking for a reliable car insurance policy for my Honda Amaze car online and then landed on Insurancedekho’s website. It had all the informatio...

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    A
    Ayush Goyal
    On: August 6, 2020 | Views
  • Many benefits under the policy

    I recently purchased an HDFC Ergo car insurance policy for my Honda Amaze car online at InsuranceDekho. The policy covers me for many benefits and I a...

    Read More
    A
    Aditya Kapoor
    On: August 5, 2020 | Views
  • Great policy

    I recently purchased an HDFC Ergo car insurance policy for my Hyundai Creta car online at InsuranceDekho. The policy is an affordable one and covers m...

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    A
    Ajay Dua
    On: August 4, 2020 | Views
  • Great help from the team at InsuranceDekho

    I contacted the team at InsuranceDeko to purchase an HDFC Ergo car insurance policy for my Honda City car. They assisted me through the entire process...

    Read More
    A
    Ajit Raj
    On: July 30, 2020 | Views
  • Great plan

    I recently purchased an HDFC Ergo car insurance policy for my Ford Figo car at InsuranceDekho. It is a great plan that offers me many benefits in case...

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    M
    Mukund Jha
    On: July 29, 2020 | Views
  • Great team at InsuranceDekho

    InsuranceDekho has an efficient and knowledgeable team who help you find the most suitable car insurance policy as per your requirements and budget. I...

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    R
    Rajan Malhotra
    On: July 28, 2020 | Views
  • Great policy

    I was looking for a reliable car insurance policy for my Honda City car and therefore called on the toll-free number of InsuranceDekho. The team helpe...

    Read More
    A
    Ajit Sarkar
    On: July 27, 2020 | Views
  • Great policy benefits

    My HDFC Ergo car insurance policy that I purchased from InsuranceDekho for my Honda Amaze car offers me many benefits. I am very much satisfied with t...

    Read More
    J
    Jitesh Oberoi
    On: July 23, 2020 | Views
  • Good job team

    I want to thank the team at InsuranceDekho who helped me buy the HDFC Ergo car insurance policy for my Honda Amaze car online. The process took just a...

    Read More
    J
    Jignesh Bhoria
    On: July 22, 2020 | Views
  • Amazing policy

    I have utmost trust in InsuranceDekho’s team as they suggest the best to me always. I contacted them for a car insurance policy for my Renault Kwid ca...

    Read More
    Prashant Yadav
    On: July 21, 2020 | Views

546 Hdfc Ergo Cashless Garages in India

HDFC ERGO Comprehensive Car Insurance FAQs

  • What if I wish to switch from a third-party insurance cover to a comprehensive insurance policy? Do I have to submit any additional documents?

    Switching from a third-party liability cover to a comprehensive car insurance plan is simple. Just go to our company’s nearest branch and submit a copy of the previous year’s policy document along with a copy of the registration certificate of your car. After receiving the policy proposal, we will send an inspection team to check your car’s condition. Post validation of the details, you will be eligible to buy comprehensive car insurance from us. For added support, you may call our customer care number at 7551196989.

  • What is the procedure to seek claims under comprehensive car insurance?

    For hassle-free claims, it is important that you get in touch with us at the earliest. Submit all the necessary documents while seeking the claim. For quick claims, you may log on to our company’s website and register for an online claim settlement.

  • Is it compulsory to buy comprehensive car insurance?

    Car owners are mandated to buy only the third-party liability cover under The Motor Vehicles Act. While the compulsory third party car insurance cover secures against damages caused to the third party involved in the accident, comprehensive insurance secures the policyholders and their vehicles against all kinds of damages.

  • What damages are not covered under comprehensive car insurance?

    Though comprehensive car insurance promises an extended cover, there are certain exclusions to it also. These include:

    • Day-to-day wear and tear of your car
    • Damage to tyres and tubes
    • Mechanical and electrical breakdown of your car’s machinery
    • Damage resulting from drunken driving or under the influence of narcotics
    • Damage from an accident caused by driving without a valid driving license
    • Depreciation in car’s value

  • Does your car insurance cover damage from natural disasters too?

    Yes, depending on the car insurance you have bought. Comprehensive car insurance is bought to secure against all kinds of damages including those caused by floods, earthquakes, hurricanes, tornadoes, heavy rains, etc. Those living in areas prone to frequent flooding, landslides or earthquakes must consider buying a comprehensive cover that covers the most number of contingencies.

HDFC ERGO Car Insurance Contact Details

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