Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
HomeCar InsuranceCompaniesHdfc ErgoThird Party
  • CASHLESS GARAGES 6,800
  • CLAIMS SETTLED 89%
  • ZERO DEP. CLAIMS UNLIMITED
Key Features:
  • Covers Third Party Person
  • Covers Third Party Property

Calculate Your Car Insurance Premium Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

Have you made a insurance claim in the previous year?

HDFC ERGO Third Party Car Insurance Policy

A third-party liability policy is the most basic cover offered by HDFC ERGO to 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 V/S Comprehensive Car Insurance Plan

The following table highlights the key differences between a third party car insurance plan and a comprehensive car insurance plan:

Basis

Third-Party

Comprehensive
Coverage A third party car insurance plan offers protection to the policyholder against any third party liabilities incurred including property damage, death, or bodily injuries, etc that can arise because of an accident or mishap.This insurance plan is mandatory for all the car owners to have as per Indian Motor Tariff Act. A comprehensive car insurance plan offers holistic coverage to the insured vehicle by providing compensation towards both own damage expenses and third party liabilities that can arise because of any mishap or unforeseen event.
Add-On Covers As it is basic insurance plan coverage, therefore, no add-on covers can be availed alongside any third party car insurance plan. Under a comprehensive car insurance plan, a policyholder can avail a few add-on covers alongside the same insurance plan. Some of the commonly available add-on covers are personal accident cover, zero depreciation cover, roadside assistance cover, etc.
Nature of Requirement As mandated by the Indian Motor Tariff Act, a car must at least carry a third party car insurance plan. This insurance plan provides the policyholder with legal and financial assistance in times of need. A comprehensive car insurance plan is not compulsory but is generally the most recommended plan by the insurers as it offers coverage against third party liabilities and own damage expenses. There is no need to buy a third party insurance plan separately if a comprehensive insurance plan has been purchased.
CostThese insurance plans are quite affordable as limited insurance coverage is offered to the policyholder. This insurance plan is comparatively expensive as enhanced coverage is offered under this plan.

HDFC ERGO Third Party Car Insurance Policy Coverage

What All is Covered Under HDFC Ergo Third Party Policy?

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).

What All is Not Covered Under HDFC Ergo Third Party Policy?

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.

Explore Hdfc Ergo Car Insurance

Must Read Articles before buying Hdfc Ergo Car Insurance

Hdfc Ergo Car Insurance User Reviews

4.9
Rating based on
689 User reviews
Write your review
What users are saying
  • All
  • Third Party
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • Complete Peace of Mind

    With the HDFC Ergo Car Insurance Policy’s comprehensive coverage for my BMW car, I enjoy complete peace of m...

    C
    By Charul Midha
    On: November 29, 2023
  • Personalized Policy Options

    The premium calculator allowed me to explore the HDFC Ergo Car Insurance Policy options that align with my b...

    By Garv Bakshi
    On: November 24, 2023
  • Complete Value Protection

    I am happy to say that the Zero-dep insurance for my HDFC Ergo Car Insurance Policy ensures complete protect...

    Y
    By Yogita Mohante
    On: November 21, 2023
  • Excellent Advise

    Good Guidance By Archit giving the details about insurance policy and explaination of clause, Features, Choice...

    R
    Renault Kiger Ahmedabad
    By RUJWAL PRASAD
    On: November 20, 2023
  • Financial Responsibility Made ...

    On my HDFC Ergo Car Insurance Policy, I got third-party coverage for my Maruti car. Insurancedekho makes ful...

    K
    By Komal Verma
    On: November 15, 2023
  • Making a Claim, Making a Diffe...

    I think that claiming with InsuranceDekho for the HDFC Ergo Car Insurance Policy is not just about getting c...

    By Sona Malkani
    On: November 9, 2023
  • Good and easy but Credit card ...

    Nice help by Agent bu Why few bank are not allowed for credit card. Seems partiality. HDFC ergo allowed HDFC c...

    N
    Hyundai i20 2012-2014 Ghaziabad
    By Neeraj Kumar Jagetia
    On: November 8, 2023
  • Emergency Assistance

    The emergency assistance offered by InsuranceDekho for zero-depreciation coverage for my Renault car is reas...

    R
    By Ramesh Prajapati
    On: November 8, 2023
  • Stress-Free Repairs

    Dealing with repairs is stress-free with InsuranceDekho's own damage coverage that came with the HDFC Ergo C...

    P
    By Pooja Paul
    On: November 7, 2023
  • Emergency Assistance

    The emergency assistance offered by InsuranceDekho for third-party coverage is reassuring. The HDFC Ergo Car...

    M
    By Madhvi Nagpal
    On: November 3, 2023
Hdfc Ergo Reviews

545 Hdfc Ergo Cashless Garages in India

Hdfc Ergo Cashless Garages

Insurance Products by Hdfc Ergo General Insurance

Hdfc Ergo General Insurance

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.

  • How much compensation is provided for third party property damage?

    Third party property damage is covered up to Rs. 7.5 lakh.

FAQ
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

News
Hdfc Ergo Car insurance starting from ₹ 2094/year*
or
Proceed without car numberI have a brand new car

Partner Car Insurance Companies

Car Insurance Companies

Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

Calculate your Car IDV

You may also be interested in

    Third Party Car Insurance

    Cashless Garages in Popular Cities

    CityNo of Garages
    Mumbai336
    Delhi238
    Pune230
    Bangalore212
    Hyderabad211
    Kolkata150
    Chennai149
    View All

    Related News

    Car Insurance News

    Become Motor Insurance Agent

      Hdfc Ergo Car insurance starting from ₹ 2094/year*
      or
      Proceed without car numberI have a brand new car

      Car Insurance starting from
      ₹6/day*

      I agree to *terms & conditions  and privacy policy.
      Don’t know your car number? Click here
      close
      #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.