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HDFC ERGO Car Insurance

Q: What is car insurance? Why trust HDFC ERGO?

car insurance is a contract between you and an insurance company. It safeguards you from a financial loss in case of an accident or physical damage due to collision. In addition to this, having a motor insurance offer financial security against theft or damage of vehicles. HDFC ERGO is a brand you can bank upon. No wonder, the company has a whopping count of 10 million and more customers. "> car insurance is a contract between you and an insurance company. It safeguards you from a financial loss in case of an accident or physical damage due to collision. In addition to this, having a motor insurance offer financial security against theft or damage of vehicles. HDFC ERGO is a brand you can bank upon. No wonder, the company has a whopping count of 10 million and more customers.

Q: Do you need car insurance?

In India, it is mandatory to have a car insurance if you wish to drive your vehicle on roads. Having a third-party liability insurance is a must.

Q: HDFC ERGO – what are the different types of car the company covers?

As per the Motor Vehicles Act, every vehicle plying on Indian roads must be secured with at-least a third-party liability insurance. HDFC ERGO offer scalable and well-thought insurance protection plans for both new and used cars.

Q: What are the various types of car insurance policies available in HDFC ERGO?

comprehensive insurance policy "> Typically, there are two types of car insurances policies to choose from – a third party liability policy and a comprehensive insurance policy

Q: What are the exclusions in a HDFC ERGO car insurance policy?

Not every little damage repaired is borne by the company. Things like electrical breakdown, depreciation of parts, general wear and tear, damage caused due to collisions under the influence of alcohol or inflicted man-made calamities are not covered by HDFC ERGO.

CASHLESS GARAGES
6,800
CLAIMS SETTLED
89%
ZERO DEP. CLAIMS
UNLIMITED

Key Features:

Maximum Cashless Garages
Over Night Vehicle Repairs
24x7 Roadside Assistance
Quick Claim Settlement

Hdfc Ergo Car insurance starting from ₹ 2094/year*

Car No.
Select Plan
Policy Issued

Top HDFC ERGO Car Insurance Plans

Hdfc Ergo Car Insurance

PLAN TYPE: Comprehensive

Starting From ₹ 2881

Hdfc Ergo Car Insurance

PLAN TYPE: Third Party

Starting From ₹ 2094

HDFC ERGO Car Insurance

PLAN TYPE: Own Damage

Starting From ₹ 2202

About HDFC ERGO Car Insurance

With a claim settlement ratio of 99.48%, HDFC Ergo tops the list of the best car insurance companies in India. The company is a joint venture between HDFC Bank and ERGO International. HDFC Ergo car insurance provides a safety net that covers the owner of the car from any damages incurred as a result of theft, fire, accident, or other third-party liabilities that may arise in the event of an accident. The three main types of car insurance plans offered by HDFC Ergo are namely Comprehensive, Standalone Own Damage, and Third Party Car Insurance Plans.

Key Features of HDFC Ergo Car Insurance

Features	Coverage
HDFC Ergo Claim Settlement Ratio	99.48%
Founding Year	2002
No. of Network Garages	6800+
No Claim Bonus	Yes, up to 50%
Starting Price of Car Insurance Premium	Rs. 2094
No. of Ad-on Covers	6

Benefits of HDFC Ergo Car Insurance

Listed below are some of the compelling reasons why you should choose to buy car insurance plans with HDFC Ergo.

HDFC Ergo has car insurance plans starting at Rs. 2094. At affordable premiums, HDFC Ergo offers maximum benefits and coverage. You can use a premium calculator to determine the car insurance premium.

With HDFC Ergo, you can buy car insurance plans in a breeze. Just get in touch with the HDFC Ergo team and proceed with simple steps to buy car insurance.

With the availability of over 6,800 cashless garages, policyholders can get their insured car repaired in a cashless manner. The extensive number of HDFC Ergo network garages makes it easier for policyholders to locate a nearby garage for cashless repairs.

The customer support team of HDFC Ergo can be reached at all times if you have any queries about your car insurance plan, claim, or anything else.

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

Car Insurance For Popular Indian Make and Models

HDFC Ergo Car Insurance Premium Calculator

To analyse the premium you need to pay towards your HDFC Ergo car insurance plan, you can use the HDFC Ergo car insurance premium calculator. On entering details such as the age of the car, model, fuel type, and more, you will be able to estimate the car insurance premium you need to pay. With the HDFC Ergo car insurance premium calculator, you will be able to view the premium details in a matter of a few minutes.

Select your car brand

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Which city is your car registered in?

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City

When did you buy your car?

Year

Have you made a insurance claim in the previous year?

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HDFC Ergo Car Insurance Plans

Comprehensive Car Insurance

Comprehensive car insurance plans provides complete protection. It offers financial compensation for both third-party liabilities and standalone damages.

Know More

Compare and Select the Best Car Insurance Policy

Covers under Car Insurance	Comprehensive Cover	Third Party Liability Only Cover
Damage due to natural calamities – Earthquake, cyclone, floods etc.
Damage due to events like – Fire, theft, vandalism etc.
Choice of add-ons – Zero depreciation, NCB protect etc.
Customization of car value
Personal accident cover of Rs. 15 Lakhs*

Factors Affecting Car Insurance Premium

There are a number of factors that affects car insurance premium such as the following

Fuel Type
The car insurance premium of CNG fuel type is higher in comparison to diesel and petrol cars.
Model of Car
Model of the car remains another major factor in determining its premium. High end luxury cars will have a higher car insurance premium.
Geographical Location
If you live in an area that is at a higher risk of theft and risks, then the car insurance premium will be higher.
IDV
The higher the value of IDV or Insured Declared Value directly affects the car insurance premium.
Installation of Safety Devices
With the installation of devices like anti-theft devices, the car insurance premium becomes higher.

Calculate your Car IDV

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Select Model

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HDFC Ergo Car Insurance Add-ons

HDFC Ergo offers a number of add-ons or riders to increase the scope of coverage of your car insurance. Listed below are the popular add-ons which you can buy with your HDFC Ergo car insurance plan

Return to Invoice Cover
With the Return to Invoice add-on, you can recover the invoice value if your car is lost or damaged.
Zero Depreciation Cover
The value of every car depreciates over the years, and this depreciated value is not covered in car insurance plans. However, with Zero Depreciation Cover, you will get the entire amount without including depreciation charges.
No Claim Bonus Protection Cover
The No Claim Bonus benefit will remain intact with the No Claim Bonus Protection Cover.
Cost of Consumables Cover
The cost of consumables like brake oil, lubricants, and others are covered under Consumables Cover.
Emergency Assistance Cover
In case of any mechanical breakdown, you can get round-the-clock assistance with the HDFC Ergo Emergency Assistance add-on.

Hdfc Ergo Car insurance starting from ₹ 2094/year*

Car No.
Select Plan
Policy Issued

How To Buy/Renew Car Insurance Online

Step-1
Input the Car Registration Number and select Get Price(new policy) or Rrenew (exixting Tata AIG Policy.
Step-2
Fil up the Car and personal details as propmted by the screen. Also select the policy coverage and add0ons of your choice
Step-2
You will get an instant car Insurance premium quote. If you are satisfied with the quote, you can proceed to pay the premium online.

Tips To Buy Car Insurance Online

To buy the best car insurance plan, you need to keep certain tips in mind such as the following

Types Of Car Insurance

There are different types of car insurance plans comprehensive, standalone, and third-party car insurance. So, before buying any plan, analyse your requirements and accordingly buy a desired type of car insurance.

Add-ons

WIth HDFC Ergo, there are a number of add-on options that you can choose from. However, on including add-ons to your car insurance plan, the premium of car insurance gets higher.

Network Garages

While buying car insurance plans, you must keep a check on the number of network garages. The greater the number of network garages, the more beneficial will it be for you.

Claim Settlement Ratio

The claim settlement ratio refers to the insurer’s efficiency in settling car insurance claims. You must buy car insurance plans with a company that has a higher claim settlement ratio.

Car Insurance Premium

It is very important that you check the car insurance premium before buying it. You must buy a car insurance plan which has an affordable premium and best fits your pocket.

HDFC ERGO Pay As you Drive

You can now get away with paying a hefty premium if you drive your car occasionally. HDFC Ergo now offers Pay As You Drive add-on cover which lets you pay car insurance premiums as you drive.On buying the Pay As You Drive add-on with HDFC Ergo, policyholders can thus enjoy the benefits of car insurance at lower premiums. Moreover, when they renew the PAYD cover with HDFC Ergo, they can enjoy even more benefits.

Benefits of Buying and Renewing Car Insurance Online

Listed below are the benefits of buying and renewing car insurance online

Quick Policy Issuance

When buying car insurance online, you can get your policy issued in a few simple steps. You just need to enter a few details and make a payment to quickly issue car insurance with HDFC Ergo.

Transparent Process

The process of buying HDFC Ergo car insurance is quite transparent. In a few simple steps, you can buy car insurance with HDFC Ergo.

No Paperwork Required

On buying and renewing car insurance online, there is almost zero paperwork required. You can complete all the required steps from the comfort of your home when you buy car insurance online.

Dedicated Team

With HDFC Ergo, you can get dedicated team support when you are buying a car insurance plan online.

Claim Process for HDFC Ergo Car Insurance

Here are the steps to raise an HDFC Ergo car insurance claim:

First, raise a claim request either by calling the HDFC Ergo team or on their website
Once you raise the claim request, you will get claim registration number
Next, take the insured car to a network garage or any garage of your choice
Then, submit all the relevant documents. A surveyor will also be assigned to assess the total damage
The surveyor then sends the damage report to the company. Once the company, here HDFC Ergo approves the claim, the car insurance claim will be settled.

How to Calculate HDFC Ergo Car Insurance Premium?

Before you buy any car insurance plan, you first need to calculate the HDFC Ergo car insurance premium. Here is how you can do the same:

Visit the car insurance page on the HDFC Ergo website. Enter details like car registration number and other details.
Once you enter all the details, you will be able to see car insurance quotes.
Choose from the different types of car insurance plans available and enter details like no claim bonus, no expiry date, and other details.
Use the car insurance premium calculator to check the premium once all the details have been entered.

How to Renew Car Insurance With HDFC Ergo?

To renew your car insurance plan with HDFC Ergo, you need to follow the below-mentioned steps:

Click on the renew option of HDFC Ergo car insurance
Enter details like car insurance number, add-on covers, and others.
Pay the renewal fees of HDFC Ergo car insurance.
You will receive details of your policy on your registered email id.

How to Buy Car Insurance with HDFC Ergo?

Thinking of buying car insurance with HDFC Ergo? Here is how you can buy car insurance with HDFC Ergo:

Visit the official website of HDFC Ergo
Enter details like car registration number, and mobile number, and proceed further with viewing quotes.
Include all the necessary add-ons and proceed with the payment.
Once the payment is complete, you will receive a notification about the same.

What is IDV and How is it Calculated?

IDV refers to the Insured's Declared Value as the maximum amount you will receive if your vehicle is damaged or lost. Some of the factors that affect IDV are as follows

Depreciation

As the value of car depreciates over the years, so the IDV also varies from one car to another.

Accessories

The IDV is also based on the value of different accessories you have installed in your car.

Location

The ex-showroom price of the car varies from one Indian city to another. This is the reason why the IDV also accordingly varies.

HDFC ERGO Car Insurance FAQs

What is car insurance? Why trust HDFC ERGO?

Do you need car insurance?

HDFC ERGO – what are the different types of car the company covers?

What are the various types of car insurance policies available in HDFC ERGO?

What are the exclusions in a HDFC ERGO car insurance policy?

Hdfc Ergo Car Insurance User Reviews

4.9

Rating based on

689 User reviews

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What users are saying

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Most Helpful
Comprehensive
Zero Depreciation
Third Party
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

HDFC ERGO Car Insurance

6,800

89%

UNLIMITED

Key Features:

Maximum Cashless Garages

Over Night Vehicle Repairs

24x7 Roadside Assistance

Quick Claim Settlement

Top HDFC ERGO Car Insurance Plans

About HDFC ERGO Car Insurance

Key Features of HDFC Ergo Car Insurance

Benefits of HDFC Ergo Car Insurance

Partner Car Insurance Companies

Car Insurance For Popular Indian Make and Models

HDFC Ergo Car Insurance Premium Calculator

Select your car brand

Which city is your car registered in?

When did you buy your car?

HDFC Ergo Car Insurance Plans

Comprehensive Car Insurance

Compare and Select the Best Car Insurance Policy

Factors Affecting Car Insurance Premium

Fuel Type

Model of Car

Geographical Location

IDV

Installation of Safety Devices

Calculate your Car IDV

HDFC Ergo Car Insurance Add-ons

Return to Invoice Cover

Zero Depreciation Cover

No Claim Bonus Protection Cover

Cost of Consumables Cover

Emergency Assistance Cover

How To Buy/Renew Car Insurance Online

Step-1

Step-2

Step-2

Tips To Buy Car Insurance Online

Types Of Car Insurance

Add-ons

Network Garages

Claim Settlement Ratio

Car Insurance Premium

HDFC ERGO Pay As you Drive

Benefits of Buying and Renewing Car Insurance Online

Quick Policy Issuance

Transparent Process

No Paperwork Required

Dedicated Team

Claim Process for HDFC Ergo Car Insurance

How to Calculate HDFC Ergo Car Insurance Premium?

How to Renew Car Insurance With HDFC Ergo?

How to Buy Car Insurance with HDFC Ergo?

What is IDV and How is it Calculated?

Depreciation

Accessories

Location

HDFC ERGO Car Insurance FAQs

What is car insurance? Why trust HDFC ERGO?

Do you need car insurance?

HDFC ERGO – what are the different types of car the company covers?

What are the various types of car insurance policies available in HDFC ERGO?

What are the exclusions in a HDFC ERGO car insurance policy?

Hdfc Ergo Car Insurance User Reviews