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
|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.
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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?
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.