Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Car Insurance starting from Rs. 2,072/year*
  • Save upto 75%*
    Lowest Car Premiums
  • 11.5 Lakh+
    Happy Customers
  • Claim Support
    7 days a week

*TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Hdfc Ergo Comprehensive Car Insurance Policy

522 reviews Rate This
Highlights
    Network Garages6,800+
    Claim Settlement Ratio91.23%
    Emergency AssistanceAvailable 24/7
    Number of Cutomers1.3 crore+
    AccreditioniAAA Rating by ICRA
    Presence 106+ Cities

    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 car 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. 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.

    Calculate Your Car Insurance

    Select your car's brand
    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    Which city is your car registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your car?
    20062019
    Have you made a claim in the previous year?

    Must Read Articles before buying Hdfc Ergo Car Insurance

    HDFC ERGO Car Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Most Helpful
    • Compare
    • Price
    • Cashless Garages
    • Comprehensive
    • Claim
    • Renew
    • Premium
    • Add On
    • Great Insurance Dekho

      Great experience with Insurance dekho. The process is a simplified one. Value for money. Smooth and hassle fre...

      Read More
      N
      Toyota Etios Liva 2011-2012 Chandigarh
      By Nitin Rassay
      On: November 8, 2022
    • Simple and easy experience

      Simple and easy experience. Very helpful all the way. Thanks for your help all along the way. I would say this...

      Read More
      S
      Fiat Punto Bangalore
      By Satishkumar Ganesan
      On: November 7, 2022
    • Smooth like Butter

      Super smooth experience. Especially liked the guided quote explanation provided by the team - they were tracki...

      Read More
      K
      Kia Seltos null
      By Karthik Namboodiry
      On: October 29, 2022
    • Pocket-friendly plans

      The InsuranceDekho website has pocket-friendly plans. I recently bought the HDFC ERGO car insurance for my M...

      Read More
      A
      By Arif Khan
      On: September 9, 2022
    • List of varied plans

      There are a lot of plans available on the InsuranceDekho website, out of which I chose the HDFC ERGO car ins...

      Read More
      M
      By Mayank Miglani
      On: August 29, 2022
    • List of varied plans

      There are a lot of plans available on the InsuranceDekho website, out of which I chose the HDFC ERGO car insur...

      Read More
      M
      By Mayank Miglani
      On: August 22, 2022
    • Informative website

      I came across the InsuranceDekho website and found it to be very informative. There is a lot of data availab...

      Read More
      A
      By Aryan Tanwar
      On: August 5, 2022
    • Affordable plans

      I was looking for a good car insurance plan for my Maruti Swift which is affordable and would meet all my ex...

      Read More
      S
      By Shashank Singh
      On: August 3, 2022
    • Quick and easy policy issuance

      I recently bought the HDFC ERGO car insurance plan for my Maruti Suzuki Alto, from the InsuranceDekho websit...

      Read More
      By Niket Mishra
      On: July 27, 2022
    • Informative website

      I came across the InsuranceDekho website and found it to be very informative. There is a lot of data availab...

      Read More
      A
      By Aryan Kumar
      On: July 25, 2022

    545 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.

    must dotmust graphics

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 45 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

    Car Insurance News

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