HDFC ERGO Own Damage Car Insurance

The standalone own-damage car insurance as the name suggests will take care of own-damage costs in case of a mishap. The HDFC ERGO own-damage car insurance offers protection for your vehicle from a variety of situations including theft, vandalism, road accidents, fires, natural and manmade calamities. Unlike third party insurance, the own-damage cover is not compulsory, however, it is a prudent purchase as it offers financial security in times of crisis.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

What is Covered Under HDFC ERGO Standalone Own-Damage Policy?

The following are the aspects that are covered under a standalone own-damage cover:

• Accidents resulting in collisions on the road.
• Explosion or Fire that damages the car.
• Theft of the car.
• Damages due to natural or manmade disasters, eg. floods.

What is Not Covered Under HDFC ERGO Standalone Own-Damage Policy?

The following are the aspects that are not covered under a standalone own-damage cover:

• Electrical or mechanical breakdowns.
• Mishaps that occur due to illegal driving.
• Depreciation of the car.
• Mishaps that occur outside the mentioned geographical boundaries.

These are some of the benefits of purchasing a standalone own-damage policy from HDFC ERGO:

• Offers protection against road accidents, fires, theft, vandalism and other mishaps.
• No Claim Bonus available for every claim-free year.
• Add-on covers to further enhance your policy available.

How To Purchase HDFC ERGO Standalone Own-Damage Policy?

Below-mentioned are the steps to purchase a HDFC ERGO standalone own-damage policy:

Step 1: Visit our website InsuranceDekho and select the car insurance tab. From the drop-down menu select ‘Standalone Own Damage’.

Step 2: Enter your car’s registration number. If you do not have this information you can also enter its make, model and year of registration.

Step 3: Provide your personal details and select ‘Submit and Get Quotes’.

Step 4: Quotes for standalone own-damage policies will be visible on the screen. Select the offer by HDFC ERGO and choose any add-ons you would like to purchase as well.

Step 5: Make the payment for your selected HDFC ERGO standalone own-damage policy and the policy document will be sent to your registered email ID.