Hdfc Ergo Third Party Car Insurance

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 Third Party Car Insurance Policy

A third-party liability policy is the most basic cover offered by HDFC ERGO to the car owners. A third party auto insurance cover provides you with a safeguard against third party liabilities - life and property. The cover includes legal liability cover for injury, death, and property damage caused to a third party by the insured vehicle.

The HDFC ERGO third party liability cover also offers you the compulsory Personal Accident cover of up to Rs 15 lakh. A third party liability cover is an inexpensive cover compared to a comprehensive cover and covers you for the legal requirement of having an auto insurance policy for your car.

Third-Party vs Comprehensive Auto Insurance Policy

Basis

Third-Party

Comprehensive

Coverage An HDFC ERGO third party policy covers all your liabilities arising out of damages/injuries/death of a third party. The liability for third party property damage is limited to Rs. 7.5 lakh. An HDFC Comprehensive policy offers coverage for the insured vehicle, in addition to third party liability (third party property damage limited to Rs. 7.5 lakh). It also offers an optional personal accident cover for the policyholder
Availability of add-ons No add-on covers are available with a third party car insurance policy. A number of add-on covers such as Zero Depreciation NCB Protection, Engine Cover, etc are available with the comprehensive policy.
Cost It is relatively cheaper owing to the basic coverage. It is relatively expensive as the policyholder gets a wider coverage for his/her insured vehicle.

HDFC ERGO Third Party Car Insurance Policy Coverage

A third party car insurance policy offered by HDFC ERGO covers the following:

  • Unlimited liability of compensation in case of injury/death of a third party by the insured vehicle. The amount of compensation is decided by a court of law.
  • Compensation of up to Rs 7.5 lakhs for any third party property damage.
  • Personal Accident cover of Rs 15 lakhs for the policyholder (optional).

HDFC ERGO third party car insurance policy does not provide a cover for the following:

  • Bodily injury of the policyholder.
  • Damages/loss caused to the insured car.
  • Contractual liabilities.

HDFC ERGO Car Insurance User Reviews

176 reviews Write a Review
  • Amazing services of InsuranceDekho

    InsuranceDekho not only has a great team but offers you the most suitable car insurance plans too. I purchased an HDFC Ergo car insurance plan for my ...

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    J
    Jayant Makhija
    On: July 13, 2020 | Views
  • Quick process to buy

    I bought a new Maruti Suzuki Swift car last month and was looking for a reliable car insurance policy. I bought HDFC ERGO’s policy from InsuranceDekho...

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    A
    Armaan Basu
    On: July 9, 2020 | Views
  • Great customer care support

    I was looking for a reliable car insurance policy for my Volkswagen Polo car and contacted the customer care executives at InsuranceDekho for the same...

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    R
    Rajiv Wadhwa
    On: July 8, 2020 | Views
  • Took me a few minutes to buy

    InsuranceDekho executives are very cooperative and helped me to purchase HDFC Ergo car insurance policy for my Maruti Suzuki Dzire car. This process t...

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    M
    Mukesh Malhotra
    On: July 8, 2020 | Views
  • Easy to renew with InsuranceDekho

    The process of renewing my HDFC Ergo car insurance policy that I bought from InusranceDekho for my Honda City car was a really smooth and easy process...

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    A
    Amrit Khanna
    On: July 6, 2020 | Views

546 Hdfc Ergo Cashless Garages in India

HDFC ERGO Third Party Car Insurance FAQs

  • Is it compulsory to purchase the personal accident cover along with the HDFC ERGO third party liability cover?

    A Personal Accident (PA) cover of up to Rs 15 lakhs is a mandatory requirement for all car owners. However, car owners have an option to opt for it with either the auto insurance policy or separately. This means you can skip the HDFC ERGO personal accident cover if you already have one from any other motor insurer

  • How much compensation is offered by HDFC ERGO in case of death of a third party?

    HDFC ERGO offers unlimited liability of compensation for a third party’s death due to the insured vehicle. The final amount of compensation is decided by a court of law.

  • Will I get the NCB discount with the HDFC ERGO third party cover?

    No. No Claim Bonus (NCB) discount is not available in case of third party car insurance policy.

  • I have lost my HDFC ERGO third party car insurance policy documents. What should I do?

    In case of loss of car insurance policy document, you can request the insurer to provide you with a duplicate copy of the document for a nominal fee. For this, you can contact HDFC ERGO at 022-6234-6234/0120-6234-6234 or visit your nearest HDFC ERGO branch.

HDFC ERGO Car Insurance Contact Details

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