HDFC ERGO Car Insurance is offered by an IRDAI-approved car insurance company – HDFC ERGO General Insurance. This car insurance policy provides comprehensive coverage against accidents, damages, and unforeseen events. With HDFC ERGO Car Insurance, you can drive confidently knowing you are financially protected. The policy ensures coverage for both third-party liabilities and your own vehicle, depending on the plan chosen. It offers a hassle-free claim process, giving you peace of mind and a truly tension-free driving experience.
HDFC ERGO General Insurance Company Limited was established in 2002 as a joint venture between HDFC Ltd and ERGO International AG, part of the Munich Re Group. The company is licensed by the Insurance Regulatory and Development Authority of India (IRDAI) with Registration No. 146, dated 9 July 2010.
Over the years, HDFC ERGO has been recognised with multiple industry accolades such as Best General Insurance Company in India, Gold Shield ICAI Awards, Best Customer Experience Award of the Year (Financial Sector), ISO certifications, and SKOCH Order-of-Merit for excellence in customer service and operational quality.
Here are the main types of car insurance policies offered by HDFC ERGO Car Insurance:
This is the minimum legal requirement under the Motor Vehicles Act and protects you against third-party liabilities for injury, death or damage to another person’s property caused by your car. Third-party car policy by HDFR ERGO does not cover damage to your own vehicle but ensures you comply with Indian law.
The most popular and complete policy by HDFC ERGO that combines third-party liability cover with own damage protection for your car against accidents, fire, theft, natural calamities, man-made disasters and other insurable perils. HDFC ERGO’s comprehensive plan is flexible and can be customised with add-on covers.
If you already hold a third-party policy, you can opt for this standalone OD policy by HDFC ERGO, which covers only the insured vehicle’s own damages due to accidents, theft, fire, flood, earthquake and other risks, without the bundled third-party cover.
Here are the key features of HDFC ERGO Car Insurance policies, offering comprehensive coverage, add-on options, and convenient digital services for a hassle-free experience.
| Features | Coverage & Benefits (HDFC ERGO Car Insurance) |
|---|---|
| Third-Party Coverage | Yes |
| Own Damage Cover | Yes |
| Personal Accident Cover | Up to ₹15 lakh (Owner-Driver) |
| No Claim Bonus | Yes, up to 50% |
| Claim Settlement Ratio | N/A |
| Network Garages | 12,200+ cashless garages |
| Zero Depreciation Claims | Unlimited |
| Non-Zero Dep Claims | Unlimited |
| Add-On Covers Available | 8+ Add-ons Available |
| Policy Customisation | Yes |
| Digital Policy & Claims | Available Online |
Here are the key benefits of buying an HFC ERGO car insurance policy:
HDFC ERGO offers flexible car insurance plans with premiums starting from ₹2,094*. Opting for a comprehensive policy also lets you earn a No Claim Bonus of up to 50%, rewarding you for claim-free driving. With an easy-to-use premium calculator, estimating your insurance cost is quick and simple on Coverfox.
Unexpected breakdowns or accidents don’t need to disrupt your journey. With access to 12,200+ cashless garages across India, HDFC ERGO ensures repairs without upfront payments. Plus, 24×7 Roadside Assistance means help is always available when you need it most.
Minor damages or breakdowns no longer mean missed workdays. HDFC ERGO’s Overnight Vehicle Repair facility takes care of eligible repairs while you rest, so your car is ready by morning and your routine stays on track.
Filing a claim is straightforward and fully online. You can register claims digitally, download claim forms, and track claim status easily, ensuring a smooth and transparent claims journey through HDFC ERGO.
With 3.2 crore+ happy customers, HDFC ERGO has built strong trust through consistent service and reliable support, making it a preferred choice when you buy or renew car insurance through Coverfox.
Here are the add-ons offered by HDFC ERGO to customise your car insurance policy:
HDFC ERGO offers unlimited Zero Depreciation claims, ensuring no depreciation deduction on replaced parts during every eligible claim, leading to higher claim payouts.
This add-on protects your accumulated NCB even after a claim and allows you to move to the next NCB slab, helping reduce future premiums.
Provides 24×7 emergency support, including towing, flat-tyre assistance, battery jumpstart, fuel delivery, and on-spot minor repairs across India.
Covers consumables such as engine oil, brake fluid, coolant, grease, and nuts & bolts, which are otherwise excluded from standard claims.
Pays for the repair or replacement of tyres and tubes damaged due to puncture, cuts, bulges, or bursts arising from accidental impact.
If your car is under accidental repairs for over 30 days, HDFC ERGO pays the vehicle EMI as defined in the policy, easing financial burden.
In cases of total loss or theft, this add-on reimburses the original invoice value of the car, including registration and road tax, instead of the depreciated IDV.
Covers engine and gearbox damage caused by water ingress or oil leakage, commonly during floods, risks excluded under standard policies.
Reimburses daily commute expenses, such as cab costs, while your insured car is under repair at an authorised garage.
Covers loss of personal items like laptops, mobiles, clothing, and essential documents kept inside the vehicle.
Designed for low-usage vehicles—if you drive under 10,000 km, you can receive up to 25% benefit on the own-damage premium at policy end.
Enhanced EMI coverage where HDFC ERGO pays:
In the HDFC ERGO car insurance policy, the following things will be covered:
Damage to your car due to road accidents, collisions, overturning, or impact
Loss or damage caused by fire, explosion, lightning, self-ignition, or burglary
Theft of the insured vehicle, including total loss cases
Protection against natural calamities such as floods, cyclones, earthquakes, landslides, storms, and inundation
Coverage for man-made events like riots, strikes, vandalism, or malicious acts
Third-party liability cover for injury, death, or property damage caused by your car
Personal Accident cover up to ₹15 lakh for the owner-driver.
Access to 12,200+ cashless garages for hassle-free repairs
Option to enhance coverage with HDFC ERGO add-ons, including unlimited zero-depreciation claims, engine protection, return to invoice, and roadside assistance
Exclusions of HDFC ERGO car insurance are:
Damage caused while driving under the influence of alcohol or drugs
Claims arising when the driver does not hold a valid driving licence
Mechanical or electrical breakdowns not linked to an accident.
Engine damage due to water ingression unless the Engine Protection add-on is chosen.
Normal wear and tear, ageing, depreciation, or corrosion of parts
Loss or damage occurring outside the policy period.
Damage caused by intentional negligence or misuse of the vehicle
Claims related to war, nuclear risks, or radiation hazards
The process to buy car insurance from HDFC ERGO is simple and can be done through Coverfox:
Click on the Car insurance tab from the Retail insurance tab on top of this page.
Enter your Car details
Click on Get Quotes
A list of insurers' plans will be shown
From the drop-down list, select HDFC ERGO as insurer
Choose a suitable plan and pay the fees
After payment and verification, your policy will be instantly emailed to you.
HDFC ERGO has a huge network of garages, over 12,200, for making cashless claims. To find a specific network garage, you can visit https://www.hdfcergo.com/locators/cashless-garages-networks and find the updated network garage list.
WhatsApp Support
Policy Servicing (Claims, Renewal & Policy Queries)
022 6158 2020
011 6158 2020
Buy a New Policy
Offices Address
Registered & Corporate Office
6th Floor, Leela Business Park, Andheri–Kurla Road, Marol, Andheri East, Mumbai – 400059
Customer Service Address
D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai – 400078
Email Support
Digital Support Options
International & Special Assistance
Senior Citizens & Persons with Disabilities
Disclaimer: The details presented on this page are for informational purposes only, directly taken from the HDFC ERGO official website. Any coverage or plan details are subject to change as per policy. Refer to your policy document for exact coverage and the official website for any updates.
It covers damage to your car due to accidents, theft, fire, natural and man-made calamities, along with third-party liabilities and personal accident cover for the owner-driver. Coverage can be enhanced with add-ons.
You can buy it online through the insurer’s website or via Coverfox by comparing plans, choosing add-ons, and completing payment digitally.
Yes, the policy provides coverage across India, including access to a wide network of cashless garages nationwide.
Coverage depends on the Insured Declared Value (IDV) of your car and the policy type chosen, along with selected add-ons.
Yes, you can switch your existing car insurance to HDFC ERGO at renewal while retaining your No Claim Bonus, if applicable.
You can track your claim status online through the HDFC ERGO website or mobile app using your claim or policy details.
The policy document can be downloaded instantly from the HDFC ERGO website or app after logging in with your registered details.
Yes, HDFC ERGO provides cashless repair services through its large network of authorised garages across India.
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