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Things You Need to Know About HDFC Ergo Car Insurance Renewal

Published On Jul 11, 2023, Updated On Aug 28, 2023

Things You Need to Know About HDFC Ergo Car Insurance Renewal

HDFC Ergo, a leading car insurance company in India offers three different types of car insurance plans - third-party car insurance, standalone own-damage car insurance, and comprehensive car insurance. No matter which car insurance plan you are buying, you need to renew it on time to continue getting the required car insurance coverage. Read on to understand further about the HDFC Ergo car insurance renewal process.

HDFC Ergo Car Insurance Renewal Process

There are several reasons why you would want to renew the HDFC Ergo car insurance plan. Whether you are dissatisfied with your existing car insurance plan or want to renew it before its expiry date, you will have to go through different steps. Listed below are the steps you need to follow to renew your HDFC Ergo car insurance plan:

Online Process

  • Go to the official website of HDFC Ergo and click on the car insurance tab.

  • Enter your car insurance policy number, registered mobile number, email id, and more

  • Once, you have entered all the details, you will be able to view your car insurance plan. When you are renewing your car insurance plan, you can include different add-ons.

  • Choose a suitable add-on, after which you will be able to view car insurance premiums.

  • Next, pay the car insurance renewal amount. Once your payment is approved, you will receive the car insurance details on your registered email id.

Offline Process

  • Visit the nearest branch of HDFC Ergo and get the details of your existing car insurance policy

  • Provide details such as policy number, email id, mobile number, etc

  • You can review your existing policy and include the necessary add-ons

  • Finally, make the premium payment to renew your HDFC Ergo car insurance 

Benefits of HDFC Ergo Renewal

Some of the benefits of renewing the HDFC Ergo car insurance plan are as follows:

  • It is important to renew your existing HDFC Ergo car insurance policy as having a third-party car insurance is at least a must-have for all car owners. So, you need to renew your HDFC Ergo car insurance plan before its expiry.

  • HDFC Ergo car insurance plan provides protection in case your insured car is damaged, lost, or stolen, under any unforeseen circumstances. 

  • With the HDFC Ergo car insurance plan, you will also get NCB or No Claim Bonus benefits. The No Claim Bonus benefit is given if the policyholders raise no claims in a given year.

  • On renewing HDFC Ergo car insurance, you will also save time in renewing the car insurance plan.


Types of HDFC Ergo Car Insurance

Listed below are the three types of HDFC Ergo car insurance plans:

  • Third-party Car Insurance: According to the Motor Vehicles Act of 1988, third-party car insurance is a must for all car owners. Third-party car insurance provides protection in case a third-party is damaged or injured due to the insured vehicle.

  • Standalone Own-damage Car Insurance: Standalone Own-damage Car Insurance provides financial protection if there is any damage to the insured vehicle.

  • Comprehensive Car Insurance: HDFC Ergo Comprehensive car insurance provides protection against both standalone and third-party damages. The premium of Comprehensive car insurance is higher than both third-party and standalone own-damage car insurance as it provides complete coverage. 

Things You Should Know About HDFC Ergo Car Insurance Renewal

When you renew your HDFC Ergo car insurance plan, there are certain things that you need to be aware of such as those listed below:

  • You should make sure whether you want to renew the existing policy or buy a new one. For that, you must check the coverage of the existing car insurance plan and accordingly check for new plans.

  • While you renew your car insurance plan, you should also be wary of the premium.

  • There are a number of add-ons that you can include in your car insurance plan while renewing. So, include all the necessary add-ons, however, remember if you do so the car insurance premium will increase.

Take Away

Thus, renew your HDFC Ergo car insurance plan to continue getting its benefits. You can also reach out to InsuranceDekho team in case you have purchased HDFC Ergo car insurance plan with us.


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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