Hdfc Ergo Comprehensive Car Insurance Policy

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.

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.