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HDFC ERGO Car Insurance Add On Covers Explained

Updated On Oct 16, 2023

Find out about HDFC ERGO General Insurance's add-on coverage in this post.

It is essential to choose a policy that provides appropriate coverage when purchasing auto insurance. With the aid of extra covers, you can now customize your auto insurance policy to meet your specific needs. Additional coverage is the extra coverage supplied by vehicle insurance providers to assist you in obtaining the necessary coverage that is not included in basic car insurance plans. You may learn about HDFC ERGO General Insurance's add-ons in this post.

HDFC ERGO Car Insurance Add On Covers Explained

Add-On Covers Offered By HDFC ERGO General Insurance

When you get automobile insurance, you should think about the coverage that the insurance provider provides. HDFC ERGO General Insurance is a reputable and well-known insurance provider. HDFC ERGO has an exceptional CSR of 91.23 percent in the fiscal year 2019-20. It means that if you get vehicle insurance coverage from this firm, your claims will be processed quickly and easily. For your normal automobile insurance, HDFC ERGO General Insurance provides the following supplementary coverage:

  • Coverage for Zero Depreciation

Your car and its parts will depreciate over time, and you, as the owner, will be responsible for paying for it. However, by adding this zero depreciation add-on protection to your policy, you may be able to avoid having to pay the depreciation expense. With the exception of tires and batteries, which are excluded from 50% depreciation, this insurance protects you from 100% depreciation on your automobile and all metal and plastic parts. In the event that your automobile sustains a partial loss, this add-on is available.

  • Protector for the Engine and Gearbox

This add-on enhances your automobile insurance policy's coverage for water infiltration and oil leak damage to portions of your engine and gearbox. This add-on covers the expenses of repairs and replacements, as well as the labor costs spent during such repairs and replacements, as well as the costs of engine cylinder re-boring, compression testing, and another machining.

  • Protection Coverage for No-Claim Bonuses

If you don't make any claims throughout the coverage period, the insurer will reward you with a No Claim Bonus. Depending on how many claim-free years you have, NCB is granted to you in the form of a 20% to 50% discount on your insurance plan's own-damage premium. If you make even one claim throughout the insurance period, however, you will forfeit this benefit. However, if you have a No Claim Bonus Protection Cover, you may keep your NCB even if you make three claims within the insurance year.

  • Coverage for Consumables

Consumables are items that are either totally consumed or deemed unfit for long-term usage once they have been used. Consumables include things like nuts, bolts, screws, washers, grease, coolants, engine, and other oils, A/C gas, bearings, battery water, filters, and so on. The insurance provider will pay the cost of the consumable if you pick this option. This add-on allows for one claim throughout the policy period.

  • Back to Invoice

If your automobile is totaled or stolen, your insurance will pay you the Insured Declared Value (IDV) of your vehicle. The IDV, on the other hand, is less than the Invoice Price, which is the price you paid for the automobile when you acquired it. This coverage will assist you in recovering the invoice price as compensation if your automobile is totaled or stolen. The invoice price includes the car's ex-showroom price, as well as the cost of road tax and registration.

  • Coverage for Emergencies

If your automobile is immobilized due to a mechanical or electrical breakdown, this coverage provides emergency roadside assistance as long as the problem can be fixed within 60 minutes at the immobilization location. The add-on cover also covers duplicate keys, a battery jump-start, tire replacement, fuel assistance, and towing help, in addition to the repair service.

Take Away

Once you've determined what you require, purchasing auto insurance is a simple procedure. You prevent legal and financial issues, make sure to insure your automobile as soon as possible. HDFC ERGO provides all-around coverage for automobiles, allowing consumers to drive in peace. HDFC ERGO offers add-on covers that increase the insurance value of the covered car, as well as a large network of garages and speedy answers to on-road difficulties.

Also Read:

How Modifications Can Affect Your New India Car Insurance?

Ways to Renew the New India Car Insurance Policy

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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